/* Policies page styles (match site look: #0A2463, #1E40AF, #FFD166) */
.policies-page {
  margin-top: 70px; /* align with fixed navbar height */
  background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
  color: #0A2463;
  font-family: "Montserrat", "Roboto", system-ui, -apple-system, sans-serif;
}

/* Hero */
.policy-hero {
  background: linear-gradient(100deg, #0A2463 50%, #1E40AF 100%);
  color: #fff;
  padding: 80px 20px 50px;
  text-align: center;
}
.policy-hero__inner {
  max-width: 1000px;
  margin: 0 auto;
}
.policy-hero h1 {
  font-family: "Lobster", cursive;
  font-size: 2.6rem;
  margin: 0 0 12px;
  color: #FFD166;
  text-shadow: 1px 2px 4px rgba(0,0,0,0.25);
}
.policy-hero p {
  margin: 0 0 10px;
  font-size: 1.05rem;
  color: rgba(255,255,255,0.95);
}
.policy-hero__meta {
  display: inline-flex; gap: 8px; color: rgba(255,255,255,0.9);
  font-weight: 600; font-size: 0.95rem;
}
.policy-hero__meta .dot { opacity: 0.7; }

.policy-hero__meta span {
    color: whitesmoke;
    font-family: "Montserrat", "Roboto", system-ui, -apple-system, sans-serif;
    font-size: 2rem;
}

/* Layout */
.policy-container {
  max-width: 1200px;
  margin: 30px auto 80px;
  padding: 0 20px;
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 24px;
  margin-bottom: 0px;
  padding-bottom: 20px;
}

/* ToC */
.policy-toc {
  position: sticky;
  top: 100px;
  align-self: start;
  background: #ffffff;
  border: 2px solid #e2e8f0;
  border-radius: 14px;
  padding: 18px 16px;
  box-shadow: 0 8px 24px rgba(10,36,99,0.08);
}
.policy-toc__title {
  font-size: 1.05rem;
  margin: 0 0 10px;
  color: #0A2463;
}
.policy-toc ul {
  list-style: none;
  padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 8px;
}
.policy-toc a {
  display: block;
  padding: 8px 10px;
  border-radius: 10px;
  color: #0A2463;
  text-decoration: none;
  font-weight: 600;
}
.policy-toc a:hover { background: #f5f7fb; }
.policy-toc a.active {
  background: linear-gradient(135deg, #fff 0%, #fffbf0 100%);
  border: 1px solid #FFD166;
  color: #0A2463;
}
.policy-contact {
  margin-top: 16px;
  padding-top: 12px;
  border-top: 1px solid #e2e8f0;
}
.policy-contact h3 {
  margin: 0 0 8px; font-size: 1rem; color: #0A2463;
}
.policy-contact p {
  margin: 0 0 6px; color: #4D648D; font-size: 0.95rem;
}

/* Content */
.policy-content {
  min-width: 0;
}
.policy-section {
  background: #fff;
  border: 2px solid #e2e8f0;
  border-radius: 16px;
  padding: 24px 22px;
  margin-bottom: 18px;
  box-shadow: 0 10px 26px rgba(10,36,99,0.06);
}
.policy-section__header h2 {
  margin: 0 0 6px;
  font-size: 1.5rem;
  color: #0A2463;
}
.policy-section__header .policy-tagline {
  margin: 0 0 8px;
  color: #4D648D;
  font-weight: 500;
}
.policy-section h3 {
  margin: 18px 0 8px;
  font-size: 1.15rem;
  color: #0A2463;
}
.policy-section p, .policy-section li {
  color: #4D648D;
  line-height: 1.65;
  font-size: 0.98rem;
}
.policy-section a {
  color: #1E40AF;
  text-decoration: none;
  border-bottom: 1px dashed rgba(30,64,175,0.4);
}
.policy-section a:hover {
  color: #0A2463;
  border-bottom-color: #FFD166;
}

/* Disclaimer */
.policy-disclaimer {
  margin-top: 24px;
  background: linear-gradient(135deg, #fff 0%, #f8fafc 100%);
  border: 2px dashed #e2e8f0;
  color: #4D648D;
  border-radius: 14px;
  padding: 16px 18px;
}

/* Responsive */
@media (max-width: 992px) {
  .policy-container {
    grid-template-columns: 1fr;
  }
  .policy-toc {
    position: relative;
    top: auto;
    display: block;
  }
}
@media (max-width: 600px) {
  .policy-hero { padding: 70px 16px 40px; }
  .policy-hero h1 { font-size: 2.2rem; }
}