.policy-hero{background:radial-gradient(circle at 82% 0,#ffffffb8,#0000 32%),#edf4f7;border-bottom:1px solid #1430381f;padding:3.4rem 1.35rem 3rem}.policy-width{width:min(1180px,100%);margin:0 auto}.policy-breadcrumb{color:#52686e;letter-spacing:.02em;flex-wrap:wrap;align-items:center;gap:.55rem;margin-bottom:2.1rem;font-size:.78rem;display:flex}.policy-breadcrumb a{color:inherit;text-decoration:none}.policy-breadcrumb a:hover{color:#17343c}.policy-eyebrow,.policy-sidebar-label,.policy-kicker{color:#60767b;letter-spacing:.14em;text-transform:uppercase;margin:0 0 .8rem;font-size:.72rem;font-weight:750}.policy-hero h1{color:#102d35;letter-spacing:-.045em;max-width:880px;margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(2.8rem,6vw,5.4rem);font-weight:500;line-height:.96}.policy-hero-bottom{grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:2rem;margin-top:2.35rem;display:grid}.policy-intro{color:#324f57;max-width:760px;margin:0;font-size:clamp(1.05rem,2vw,1.32rem);line-height:1.65}.policy-review{border-left:1px solid #14303833;min-width:170px;padding-left:1.2rem}.policy-review span,.policy-sidebar-note span{color:#6b7f84;letter-spacing:.09em;text-transform:uppercase;margin-bottom:.25rem;font-size:.7rem;font-weight:700;display:block}.policy-review strong{color:#17343c;font-size:.88rem}.policy-shell{background:#fff;padding:0 1.35rem 5rem}.policy-grid{grid-template-columns:245px minmax(0,760px);justify-content:start;gap:clamp(2.5rem,7vw,7rem);display:grid}.policy-sidebar{border-right:1px solid #e1e8ea;padding:3.2rem 1.35rem 4rem 0}.policy-sidebar-inner{position:sticky;top:1.5rem}.policy-nav{border-top:1px solid #dce5e7;display:grid}.policy-nav a{color:#3d555b;border-bottom:1px solid #e3eaec;justify-content:space-between;gap:.8rem;padding:.8rem 0;font-size:.86rem;text-decoration:none;display:flex}.policy-nav a:hover,.policy-nav a.is-current{color:#0e3039}.policy-nav a.is-current{font-weight:760}.policy-nav a span{color:#85979b}.policy-sidebar-note{margin-top:2rem;padding:1rem 0 0}.policy-sidebar-note strong{color:#193841;font-size:.84rem;display:block}.policy-sidebar-note a{color:#536a70;overflow-wrap:anywhere;margin-top:.4rem;font-size:.78rem;line-height:1.45;display:block}.policy-content{color:#314b52;padding:3.45rem 0 1rem;font-size:1rem;line-height:1.78}.policy-content>:first-child{margin-top:0}.policy-content section{margin:0 0 3rem;scroll-margin-top:2rem}.policy-content section+section{border-top:1px solid #e5ebed;padding-top:2.5rem}.policy-content h2{color:#16343c;letter-spacing:-.025em;max-width:680px;margin:0 0 1.15rem;font-family:Georgia,Times New Roman,serif;font-size:clamp(1.65rem,3vw,2.2rem);font-weight:500;line-height:1.16}.policy-content h3{color:#1c3d45;margin:1.65rem 0 .55rem;font-size:1rem;line-height:1.35}.policy-content p{margin:0 0 1.05rem}.policy-content ul,.policy-content ol{margin:.8rem 0 1.25rem;padding-left:1.25rem}.policy-content li{margin-bottom:.55rem}.policy-content a{color:#155d70;text-underline-offset:.16em;text-decoration-thickness:1px}.policy-content strong{color:#203d44}.policy-card{background:#f5f8f9;border:1px solid #dfe8ea;border-radius:4px;margin:1.4rem 0;padding:1.35rem 1.45rem}.policy-card p:last-child,.policy-callout p:last-child{margin-bottom:0}.policy-callout{background:#f1f6f7;border-left:3px solid #557a83;margin:1.6rem 0;padding:1.25rem 1.35rem}.policy-facts{border-top:1px solid #dfe7e9;grid-template-columns:165px minmax(0,1fr);margin:1.4rem 0;display:grid}.policy-facts dt,.policy-facts dd{border-bottom:1px solid #dfe7e9;margin:0;padding:.8rem 0}.policy-facts dt{color:#667b80;letter-spacing:.08em;text-transform:uppercase;font-size:.73rem;font-weight:750}.policy-facts dd{color:#213f47}.policy-contact-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin:1.4rem 0 2rem;display:grid}.policy-contact-card{background:#fafcfc;border:1px solid #dfe7e9;padding:1.2rem}.policy-contact-card span{color:#687d82;letter-spacing:.09em;text-transform:uppercase;margin-bottom:.35rem;font-size:.7rem;font-weight:750;display:block}.policy-contact-card strong{margin-bottom:.45rem;display:block}@media (width<=820px){.policy-hero{padding-top:2.2rem}.policy-hero-bottom{grid-template-columns:1fr}.policy-review{border-top:1px solid #14303829;border-left:0;padding:.85rem 0 0}.policy-grid{grid-template-columns:1fr;gap:0}.policy-sidebar{border-bottom:1px solid #e1e8ea;border-right:0;padding:1.6rem 0}.policy-sidebar-inner{position:static}.policy-nav{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:1rem}.policy-sidebar-note{display:none}.policy-content{padding-top:2.4rem}}@media (width<=520px){.policy-hero,.policy-shell{padding-left:1rem;padding-right:1rem}.policy-nav,.policy-facts{grid-template-columns:1fr}.policy-facts dt{border-bottom:0;padding-bottom:.15rem}.policy-facts dd{padding-top:0}.policy-contact-grid{grid-template-columns:1fr}}