.policy-hero{text-align:center;background:linear-gradient(135deg,#f5822014 0%,#2563eb0d 100%);border-bottom:1px solid #f582201a;padding:56px 32px 48px}.policy-hero__badge{color:var(--orange-primary);letter-spacing:.5px;text-transform:uppercase;background:#f582201a;border:1px solid #f5822033;border-radius:18px;align-items:center;gap:8px;margin-bottom:20px;padding:8px 20px;font-size:12px;font-weight:600;display:inline-flex}.policy-hero__title{color:#0f172a;letter-spacing:.5px;margin-bottom:16px;font-size:clamp(28px,4vw,42px);font-weight:800;line-height:1.2}.policy-hero__title:after{content:"";background:var(--gradient-cta);width:min(176px,48vw);height:5px;box-shadow:var(--shadow-cta);border-radius:18px;margin:14px auto 0;display:block}.policy-hero__title .brand-highlight{color:var(--orange-primary)}.policy-hero__subtitle{color:#64748b;max-width:600px;margin:0 auto;font-size:16px;line-height:1.6}.policy-tabs{-webkit-overflow-scrolling:touch;border-bottom:1px solid #e2e8f0;gap:4px;padding:16px 32px 0;display:flex;overflow-x:auto}.policy-tab{color:#94a3b8;cursor:pointer;transition:var(--transition-fast);white-space:nowrap;letter-spacing:.3px;background:0 0;border:none;border-bottom:2px solid #0000;padding:12px 24px;font-size:13px;font-weight:600}.policy-tab:hover{color:#475569}.policy-tab--active{color:var(--orange-primary);border-bottom-color:var(--orange-primary)}.policy-content{gap:32px;padding:32px;display:grid}.policy-card{background:var(--white);border-radius:var(--radius-md);transition:var(--transition);border:1px solid #e2e8f0;overflow:hidden;box-shadow:0 1px 3px #0000000a}.policy-card:hover{border-color:#f582204d;box-shadow:0 4px 16px #f5822014}.policy-card__header{background:linear-gradient(135deg,#f582200f 0%,#f5822005 100%);border-bottom:1px solid #f582201a;align-items:center;gap:16px;padding:24px 28px;display:flex}.policy-card__icon{background:linear-gradient(135deg, var(--orange-primary), var(--orange-deep));width:48px;height:48px;color:var(--white);box-shadow:0 4px 12px var(--orange-glow);border-radius:18px;flex-shrink:0;justify-content:center;align-items:center;font-size:20px;display:flex}.policy-card__title{color:#0f172a;letter-spacing:.3px;font-size:20px;font-weight:700}.policy-card__body{padding:28px}.policy-card__desc{color:#475569;margin-bottom:20px;font-size:15px;line-height:1.7}.policy-card__list{gap:10px;padding:0;list-style:none;display:grid}.policy-card__item{color:#334155;align-items:flex-start;gap:10px;padding:6px 0;font-size:14.5px;line-height:1.6;display:flex}.policy-card__item:before{content:"";background:var(--orange-primary);border-radius:50%;flex-shrink:0;width:6px;height:6px;margin-top:8px}.policy-highlight{border-left:3px solid var(--orange-primary);border-radius:0 var(--radius-sm) var(--radius-sm) 0;background:#f582200f;margin-top:16px;padding:16px 20px}.policy-highlight p{color:#0f172a;font-size:14px;font-weight:600;line-height:1.5}.policy-highlight p i{color:var(--orange-primary);margin-right:8px}.policy-cta{border-radius:var(--radius-md);text-align:center;background:linear-gradient(135deg,#f5822014 0%,#2563eb0d 100%);border:1px solid #f5822026;margin:0 32px 32px;padding:32px}.policy-cta h2{color:#0f172a;margin-bottom:8px;font-size:20px;font-weight:700}.policy-cta p{color:#64748b;margin-bottom:20px;font-size:14px;line-height:1.6}.policy-cta__actions{flex-wrap:wrap;justify-content:center;align-items:center;gap:16px;display:flex}.policy-cta__btn{border-radius:var(--radius-sm);transition:var(--transition-fast);align-items:center;gap:8px;padding:12px 28px;font-size:14px;font-weight:600;text-decoration:none;display:inline-flex}.policy-cta__btn--phone{background:linear-gradient(135deg, var(--orange-primary), var(--orange-deep));color:var(--white);box-shadow:0 4px 12px var(--orange-glow)}.policy-cta__btn--phone:hover{box-shadow:0 6px 20px var(--orange-glow);transform:translateY(-2px)}.policy-cta__btn--contact{background:var(--white);color:#334155;border:1px solid #e2e8f0}.policy-cta__btn--contact:hover{color:var(--orange-primary);border-color:#f582204d}@media (max-width:768px){.policy-hero{padding:40px 20px 36px}.policy-tabs{padding:12px 20px 0}.policy-content{gap:24px;padding:20px}.policy-card__header,.policy-card__body{padding:20px}.policy-cta{margin:0 20px 20px;padding:24px 20px}.policy-cta__actions{flex-direction:column}}