.policy-hero{padding-bottom:66px}
    .policy-hero .hero-grid{grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr)}
    .policy-summary{padding:26px;border:1px solid var(--line);border-radius:22px;background:rgba(255,255,255,.92);box-shadow:var(--shadow)}
    .policy-summary .label{display:inline-block;padding:6px 10px;border-radius:999px;color:#28576b;background:#e9f7fa;font-size:11px;font-weight:700;letter-spacing:.07em;text-transform:uppercase}
    .policy-summary h2{margin-top:16px;font-size:27px}
    .policy-summary p{margin:12px 0 0;color:var(--muted);font-size:14px}
    .policy-section{padding:76px 0 94px;background:linear-gradient(180deg,#f4fafc 0%,#fff 260px)}
    .policy-layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:42px;align-items:start}
    .policy-toc{position:sticky;top:108px;padding:22px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:0 10px 30px rgba(8,43,68,.06)}
    .policy-toc strong{display:block;margin-bottom:12px;color:var(--navy);font-size:15px}
    .policy-toc a{display:block;padding:7px 0;color:#527080;border-bottom:1px solid #edf3f5;font-size:13px;font-weight:600;text-decoration:none}
    .policy-toc a:last-child{border-bottom:0}
    .policy-toc a:hover{color:var(--blue)}
    .policy-card{padding:clamp(26px,5vw,58px);border:1px solid var(--line);border-radius:24px;background:#fff;box-shadow:0 18px 55px rgba(8,43,68,.09)}
    .policy-card section+section{margin-top:46px;padding-top:42px;border-top:1px solid var(--line)}
    .policy-card h2{margin-bottom:20px;font-size:clamp(27px,3vw,38px)}
    .policy-card h3{margin:28px 0 8px;font-size:19px}
    .policy-card p{margin:0 0 18px;color:#4c6878}
    .policy-card a{color:var(--blue);overflow-wrap:anywhere;text-underline-offset:3px}
    .policy-card .lead{color:#34586b;font-size:18px}
    .policy-source{display:flex;flex-wrap:wrap;gap:9px 18px;margin-bottom:28px;color:#6b8290;font-size:12px}
    .policy-source a{font-weight:700;text-decoration:none}
    .review-note{margin:0 0 38px;padding:20px 22px;border-left:4px solid #e2a43a;border-radius:0 14px 14px 0;color:#5f532f;background:#fff7df;font-size:14px}
    .review-note strong{display:block;margin-bottom:6px;color:#4e431f}
    .contact-card{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin-top:24px;padding:22px;border-radius:18px;color:#fff;background:var(--navy)}
    .contact-card strong{display:block;font-size:18px}
    .contact-card span{display:block;color:#bdd2dc;font-size:13px}
    .contact-card a{color:#fff;font-weight:700;text-decoration:none}
    @media(max-width:900px){.policy-layout{grid-template-columns:1fr}.policy-toc{position:static;display:grid;grid-template-columns:1fr 1fr}.policy-toc strong{grid-column:1/-1}.policy-toc a:nth-last-child(2){border-bottom:0}}
    @media(max-width:640px){.policy-hero .hero-grid{grid-template-columns:1fr}.policy-section{padding:54px 0 72px}.policy-toc{grid-template-columns:1fr}.policy-toc a:nth-last-child(2){border-bottom:1px solid #edf3f5}.policy-card{border-radius:18px}.contact-card{grid-template-columns:1fr}.contact-card .btn{width:100%}}