.policy-opening { display: flex; align-items: end; justify-content: space-between; gap: 35px; }
.policy-opening-copy { min-width: 0; }
.policy-opening-note { flex: 0 0 250px; padding: 17px 18px; border: 1px solid #dce8f8; background: #f5f9fe; color: #59708a; font-size: .8125rem; line-height: 1.7; }
.policy-opening-note strong { display: block; margin-bottom: 3px; color: var(--blue); font-size: .875rem; font-weight: 500; }
.policy-summary-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.policy-summary-card { min-height: 143px; padding: 18px; border: 1px solid var(--line); background: #fff; }
.policy-summary-card:hover { border-color: #b8d1ee; }
.policy-summary-card b { display: block; color: var(--blue); font-size: .75rem; font-weight: 600; letter-spacing: .8px; margin-bottom: 13px; }
.policy-summary-card h3 { margin: 0 0 5px; font-size: .9375rem; font-weight: 500; }
.policy-summary-card p { margin: 0; color: var(--muted); font-size: .8125rem; line-height: 1.65; }
.policy-layout { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: 48px; align-items: start; }
.policy-nav { position: sticky; top: 15px; padding: 8px 18px; border: 1px solid var(--line); background: #fff; }
.policy-nav a { display: block; padding: 12px 0; border-bottom: 1px solid #eff1f3; color: var(--muted); font-size: .8125rem; line-height: 1.5; }
.policy-nav a:last-child { border-bottom: 0; }
.policy-nav a:hover { color: var(--blue); }
.policy-copy { max-width: 810px; }
.policy-copy > .info-eyebrow { margin-bottom: 18px; }
.policy-copy h2 { scroll-margin-top: 18px; margin: 0 0 9px; padding-top: 3px; color: var(--ink); font-size: 1.5rem; font-weight: 500; letter-spacing: -.45px; }
.policy-copy h2:not(:first-of-type) { margin-top: 36px; padding-top: 29px; border-top: 1px solid var(--line); }
.policy-copy p, .policy-copy li { color: var(--muted); font-size: .9375rem; line-height: 1.85; }
.policy-copy p { margin: 0 0 13px; }
.policy-copy ol, .policy-copy ul { margin: 10px 0 18px; padding-left: 23px; }
.policy-copy li { padding-left: 4px; margin-bottom: 5px; }
.policy-copy .policy-note { margin: 20px 0 0; }
.policy-checklist { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 18px; margin: 19px 0 23px; }
.policy-check { display: flex; gap: 9px; align-items: flex-start; padding: 12px 13px; background: #f8fafc; color: #596572; font-size: .8125rem; line-height: 1.65; }
.policy-check .icon { width: 17px; height: 17px; flex-shrink: 0; margin-top: 2px; color: var(--blue); }
.policy-contact { margin-top: 21px; }

@media (max-width: 899px) {
  .policy-layout { display: block; }
  .policy-nav { position: static; display: flex; gap: 4px; overflow-x: auto; margin-bottom: 27px; padding: 7px 10px; }
  .policy-nav a { flex: 0 0 auto; border: 0; padding: 8px 9px; white-space: nowrap; }
  .policy-summary-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 599px) {
  .policy-opening { display: block; }
  .policy-opening-note { margin-top: 21px; }
  .policy-summary-grid { grid-template-columns: 1fr 1fr; gap: 9px; }
  .policy-summary-card { min-height: 0; padding: 15px; }
  .policy-summary-card b { margin-bottom: 9px; }
  .policy-summary-card h3 { font-size: .875rem; }
  .policy-summary-card p { font-size: .75rem; }
  .policy-layout { display: block; }
  .policy-nav { position: static; display: flex; gap: 4px; overflow-x: auto; margin-bottom: 27px; padding: 7px 10px; }
  .policy-nav a { flex: 0 0 auto; border: 0; padding: 8px 9px; font-size: .75rem; white-space: nowrap; }
  .policy-copy h2 { font-size: 1.3rem; }
  .policy-copy p, .policy-copy li { font-size: .875rem; }
  .policy-checklist { grid-template-columns: 1fr; gap: 8px; }
}