.policy-page {
    background: var(--sand);
}

.policy-shell {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 290px;
    gap: 34px;
    align-items: start;
}

.policy-article {
    padding: clamp(28px, 5vw, 58px);
    background: var(--white);
    border-radius: 26px;
    box-shadow: 0 18px 50px rgba(20, 34, 57, .08);
}

.policy-article > * + * {
    margin-top: 22px;
}

.policy-article section + section {
    margin-top: 40px;
    padding-top: 40px;
    border-top: 1px solid var(--line);
}

.policy-article h2 {
    font-size: clamp(1.55rem, 3vw, 2.15rem);
}

.policy-article h3 {
    margin-top: 24px;
    font-family: "DM Sans", Arial, sans-serif;
    font-size: 1.05rem;
    letter-spacing: 0;
}

.policy-article p,
.policy-article li {
    color: #4d596a;
}

.policy-article ul,
.policy-article ol {
    display: grid;
    gap: 10px;
    margin: 16px 0 0;
    padding-left: 22px;
}

.policy-article a {
    color: var(--navy);
    font-weight: 800;
    text-decoration: underline;
    text-decoration-color: rgba(244, 165, 28, .6);
    text-underline-offset: 3px;
}

.policy-summary {
    margin-bottom: 38px;
    padding: 22px;
    background: var(--cream);
    border: 1px solid #f0dfb7;
    border-radius: 16px;
}

.policy-summary strong,
.policy-summary span {
    display: block;
}

.policy-summary span {
    margin-top: 4px;
    color: var(--muted);
}

.policy-nav {
    position: sticky;
    top: 112px;
    padding: 26px;
    background: var(--navy-dark);
    border-radius: 22px;
    box-shadow: var(--shadow);
}

.policy-nav h2 {
    margin-bottom: 15px;
    color: var(--white);
    font-family: "DM Sans", Arial, sans-serif;
    font-size: .85rem;
    letter-spacing: .12em;
    text-transform: uppercase;
}

.policy-nav a {
    display: block;
    padding: 10px 0;
    color: rgba(255,255,255,.74);
    border-bottom: 1px solid rgba(255,255,255,.1);
    font-size: .92rem;
    font-weight: 700;
}

.policy-nav a:last-child {
    border-bottom: 0;
}

.policy-nav a:hover {
    color: var(--yellow);
}

.policy-contact {
    margin-top: 34px;
    padding: 25px;
    color: rgba(255,255,255,.78);
    background: linear-gradient(135deg, var(--navy-dark), var(--navy-soft));
    border-radius: 18px;
}

.policy-contact h3 {
    color: var(--white);
}

.policy-contact a {
    color: var(--yellow);
    font-weight: 800;
}

.faq-list {
    display: grid;
    gap: 14px;
}

.faq-item {
    overflow: hidden;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 16px;
    box-shadow: 0 8px 24px rgba(20,34,57,.04);
}

.faq-item summary {
    position: relative;
    padding: 21px 60px 21px 22px;
    color: var(--navy-dark);
    cursor: pointer;
    list-style: none;
    font-weight: 800;
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary::after {
    position: absolute;
    content: '+';
    top: 50%;
    right: 22px;
    width: 30px;
    height: 30px;
    display: grid;
    place-items: center;
    color: var(--navy-dark);
    background: var(--yellow);
    border-radius: 50%;
    transform: translateY(-50%);
    font-size: 1.25rem;
    line-height: 1;
}

.faq-item[open] summary::after {
    content: '−';
}

.faq-answer {
    padding: 0 22px 22px;
    color: var(--muted);
}

.faq-answer p + p,
.faq-answer ul {
    margin-top: 10px;
}

.faq-answer ul {
    padding-left: 21px;
}

.policy-notice {
    padding: 18px 20px;
    color: #704d0e;
    background: #fff7df;
    border: 1px solid #efd28a;
    border-radius: 14px;
}

@media (max-width: 920px) {
    .policy-shell {
        grid-template-columns: 1fr;
    }

    .policy-nav {
        position: static;
        order: -1;
    }
}

@media (max-width: 700px) {
    .policy-article {
        padding: 24px;
        border-radius: 20px;
    }

    .policy-article section + section {
        margin-top: 32px;
        padding-top: 32px;
    }
}