*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    body {
      font-family: 'IBM Plex Sans', sans-serif;
      color: #1a1a1a;
      background: #fff;
      line-height: 1.7;
    }

    .container {
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 1.5rem;
    }

    /* ── Page Intro ── */
    .page-intro {
      background: #0d0d0d;
      padding: 7rem 0 3.5rem;
      border-bottom: 3px solid #005EAB;
    }
    .intro-inner { max-width: 760px; }
    .intro-inner .section-label {
      display: inline-block;
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: #005EAB;
      margin-bottom: 0.75rem;
    }
    .intro-inner h1 {
      font-family: 'DM Sans', sans-serif;
      font-size: clamp(1.8rem, 4vw, 2.6rem);
      font-weight: 700;
      color: #fff;
      line-height: 1.2;
      margin-bottom: 1rem;
    }
    .intro-inner .subtitle {
      font-size: 1rem;
      color: rgba(255,255,255,0.7);
      max-width: 620px;
      line-height: 1.75;
      margin-bottom: 1.25rem;
    }
    .effective-badge {
      display: inline-block;
      background: rgba(255,255,255,0.07);
      border: 1px solid rgba(255,255,255,0.15);
      color: rgba(255,255,255,0.6);
      font-size: 12px;
      padding: 6px 14px;
      border-radius: 50px;
    }
    .effective-badge span { color: rgba(255,255,255,0.9); font-weight: 500; }

    /* ── Policy Layout ── */
    .policy-layout { padding: 3.5rem 0 5rem; }

    .policy-grid {
      display: grid;
      grid-template-columns: 220px 1fr;
      gap: 3rem;
      align-items: start;
    }

    @media (max-width: 768px) {
      .policy-grid { grid-template-columns: 1fr; }
      .toc-sidebar { display: none; }
    }

    /* ── TOC Sidebar ── */
    .toc-sidebar { position: sticky; top: 7rem; }
    .toc-card {
      background: #fafafa;
      border: 1px solid #e8e8e8;
      border-radius: 10px;
      padding: 1.25rem;
    }
    .toc-title {
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      color: #999;
      margin-bottom: 0.85rem;
    }
    .toc-list { list-style: none; }
    .toc-list li { margin-bottom: 2px; }
    .toc-list a {
      font-size: 0.82rem;
      color: #555;
      text-decoration: none;
      display: block;
      padding: 4px 8px;
      border-radius: 5px;
      transition: background 0.15s, color 0.15s;
      line-height: 1.4;
    }
    .toc-list a:hover { background: #fff0f0; color: #005EAB; }

    /* ── Policy Content ── */
    .policy-content { min-width: 0; }

    .policy-section {
      padding: 2.5rem 0;
      border-bottom: 1px solid #f0f0f0;
      opacity: 0;
      transform: translateY(16px);
      transition: opacity 0.45s ease, transform 0.45s ease;
    }
    .policy-section:last-child { border-bottom: none; }
    .policy-section.animate-in { opacity: 1; transform: translateY(0); }

    .section-number {
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: #005EAB;
      margin-bottom: 0.4rem;
    }
    .policy-section h2 {
      font-family: 'DM Sans', sans-serif;
      font-size: 1.3rem;
      font-weight: 700;
      color: #0d0d0d;
      margin-bottom: 1rem;
    }
    .policy-section p {
      font-size: 0.95rem;
      color: #444;
      line-height: 1.8;
      margin-bottom: 0.85rem;
    }
    .policy-section p:last-child { margin-bottom: 0; }
    .policy-section ul {
      padding-left: 1.5rem;
      margin: 0.75rem 0 1rem;
    }
    .policy-section ul li {
      font-size: 0.95rem;
      color: #444;
      line-height: 1.75;
      margin-bottom: 0.4rem;
    }
    .policy-section strong { color: #0d0d0d; }
    .policy-section a { color: #005EAB; text-decoration: none; border-bottom: 1px solid rgba(228,0,43,0.25); }
    .policy-section a:hover { border-color: #005EAB; }

    /* Callout box */
    .callout {
      background: #fff8f0;
      border: 1px solid #f0d8b0;
      border-left: 4px solid #005EAB;
      border-radius: 0 8px 8px 0;
      padding: 1.25rem 1.5rem;
      margin-top: 1.25rem;
    }
    .callout p { font-size: 0.9rem; color: #333; margin-bottom: 0; line-height: 1.75; }

    /* Contact card */
    .contact-card {
      background: #fafafa;
      border: 1px solid #e8e8e8;
      border-left: 4px solid #005EAB;
      border-radius: 0 8px 8px 0;
      padding: 1.25rem 1.5rem;
      margin-top: 1rem;
    }
    .contact-card p { margin-bottom: 0.35rem; font-size: 0.9rem; }
    .contact-card p:last-child { margin-bottom: 0; }

    /* ── Contact CTA ── */
    .contact-cta {
      background: #0d0d0d;
      padding: 3.5rem 0;
      text-align: center;
    }
    .cta-content h2 {
      font-family: 'DM Sans', sans-serif;
      font-size: 1.6rem;
      font-weight: 700;
      color: #fff;
      margin-bottom: 0.5rem;
    }
    .cta-content p {
      color: rgba(255,255,255,0.65);
      font-size: 0.95rem;
      margin-bottom: 1.75rem;
    }
    .cta-buttons { display: flex; gap: 0.75rem; justify-content: center; flex-wrap: wrap; }
    .cta-btn {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 12px 28px;
      border-radius: 6px;
      font-size: 0.9rem;
      font-weight: 500;
      text-decoration: none;
      transition: opacity 0.2s, transform 0.15s;
    }
    .cta-btn:hover { opacity: 0.88; transform: translateY(-1px); }
    .cta-btn.primary { background: #005EAB; color: #fff; }
    .cta-btn.secondary { background: rgba(255,255,255,0.1); color: #fff; border: 1px solid rgba(255,255,255,0.2); }
    .cta-btn.outline { background: transparent; color: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.2); }