:root {
  --teal:       #0b5454;
  --teal2:      #0e7070;
  --teal3:      #1a9090;
  --teal-light: #e0f4f4;
  --gold:       #e8960a;
  --gold2:      #f5b030;
  --gold-light: #fff4d8;
  --cream:      #fdf7ef;
  --warm:       #faf3e8;
  --dark:       #0a1c1c;
  --text:       #1a2e2e;
  --muted:      #567070;
  --white:      #ffffff;
  --shadow:     0 20px 60px rgba(11,84,84,.13);
  --shadow2:    0 8px 32px rgba(11,84,84,.09);
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--text);overflow-x:hidden}
a{text-decoration:none;color:inherit}
ul{list-style:none}

/* NAV */
nav{
  position:sticky;top:0;width:100%;z-index:100;
  padding:0 5vw;height:64px;
  display:flex;align-items:center;justify-content:space-between;
  background:rgba(253,247,239,.96);
  backdrop-filter:blur(20px);
  border-bottom:1px solid rgba(11,84,84,.1);
}
.nav-logo{display:flex;align-items:center;gap:10px}
.nav-logo img{height:36px;width:auto;object-fit:contain}
.nav-logo-name{font-family:'Cormorant Garamond',serif;font-weight:700;font-size:1.1rem;color:var(--teal)}
.nav-logo-tagline{font-size:.56rem;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--gold);display:block;margin-top:2px}
.nav-back{background:linear-gradient(135deg,var(--teal),var(--teal2));color:white;padding:8px 18px;border-radius:10px;font-size:.8rem;font-weight:700;transition:all .2s}
.nav-back:hover{transform:translateY(-1px);box-shadow:0 6px 20px rgba(11,84,84,.3)}

/* HERO */
.policy-hero{
  background:linear-gradient(135deg,var(--dark) 0%,#0a3030 100%);
  padding:80px 7vw 60px;text-align:center;position:relative;overflow:hidden;
}
.policy-hero::before{content:'';position:absolute;top:-80px;right:-80px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(232,150,10,.15),transparent)}
.policy-hero h1{font-family:'Cormorant Garamond',serif;font-size:clamp(2rem,4vw,3.2rem);font-weight:700;color:white;margin-bottom:14px}
.policy-hero h1 em{color:var(--gold2);font-style:italic}
.policy-hero p{color:rgba(255,255,255,.65);font-size:.95rem;max-width:560px;margin:0 auto 32px;line-height:1.75}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.8);padding:8px 20px;border-radius:50px;font-size:.72rem;font-weight:700;letter-spacing:2px;text-transform:uppercase}

/* TOC */
.toc-bar{background:var(--white);border-bottom:1px solid rgba(11,84,84,.08);padding:0 7vw;position:sticky;top:64px;z-index:99;overflow-x:auto}
.toc-inner{display:flex;gap:4px;max-width:1200px;margin:0 auto;padding:10px 0}
.toc-link{
  white-space:nowrap;font-size:.75rem;font-weight:700;padding:8px 16px;border-radius:10px;
  color:var(--muted);transition:all .2s;display:flex;align-items:center;gap:6px;
}
.toc-link:hover,.toc-link.active{background:var(--teal-light);color:var(--teal)}

/* LAYOUT */
.policies-wrap{max-width:900px;margin:0 auto;padding:60px 5vw 100px}

/* POLICY SECTION */
.policy-section{
  background:var(--white);border-radius:24px;
  box-shadow:var(--shadow2);border:1px solid rgba(11,84,84,.07);
  overflow:hidden;margin-bottom:32px;
}
.policy-section-header{
  padding:32px 40px;cursor:pointer;
  display:flex;align-items:center;gap:20px;
  transition:background .2s;
  border-bottom:1px solid rgba(11,84,84,.06);
}
.policy-section-header:hover{background:var(--warm)}
.policy-icon{
  width:54px;height:54px;border-radius:16px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.6rem;flex-shrink:0;
}
.policy-header-text{flex:1}
.policy-header-text h2{font-family:'Cormorant Garamond',serif;font-size:1.5rem;font-weight:700;color:var(--dark);margin-bottom:4px}
.policy-header-text p{font-size:.82rem;color:var(--muted);line-height:1.5}
.policy-toggle{
  width:32px;height:32px;border-radius:50%;
  background:var(--teal-light);display:flex;align-items:center;justify-content:center;
  font-size:1.1rem;color:var(--teal);transition:all .3s;flex-shrink:0;
}
.policy-section.open .policy-toggle{transform:rotate(180deg);background:var(--teal);color:white}

.policy-body{
  display:none;padding:36px 40px;
  border-top:1px solid rgba(11,84,84,.06);
}
.policy-section.open .policy-body{display:block}

/* Policy content styles */
.policy-body h3{
  font-family:'Cormorant Garamond',serif;font-size:1.2rem;font-weight:700;
  color:var(--dark);margin:28px 0 12px;padding-left:14px;
  border-left:3px solid var(--teal);
}
.policy-body h3:first-child{margin-top:0}
.policy-body h4{font-size:.88rem;font-weight:700;color:var(--teal);margin:18px 0 8px;text-transform:uppercase;letter-spacing:.5px}
.policy-body p{font-size:.88rem;color:var(--muted);line-height:1.8;margin-bottom:12px}
.policy-body ul{margin:8px 0 16px;padding-left:4px}
.policy-body ul li{
  font-size:.87rem;color:var(--muted);line-height:1.7;
  padding:5px 0 5px 20px;position:relative;
}
.policy-body ul li::before{content:'•';position:absolute;left:4px;color:var(--gold);font-weight:700}
.policy-body .highlight-box{
  background:var(--teal-light);border-radius:14px;padding:20px 24px;
  margin:18px 0;border-left:4px solid var(--teal);
}
.policy-body .highlight-box p{color:var(--teal2);font-weight:600;margin:0;font-size:.88rem}
.policy-body .warn-box{
  background:var(--gold-light);border-radius:14px;padding:18px 24px;
  margin:18px 0;border-left:4px solid var(--gold);
}
.policy-body .warn-box p{color:#7a4d00;font-weight:600;margin:0;font-size:.87rem}
.policy-body table{width:100%;border-collapse:collapse;margin:16px 0;font-size:.85rem}
.policy-body table th{background:var(--teal);color:white;padding:10px 14px;text-align:left;font-weight:700}
.policy-body table td{padding:10px 14px;border-bottom:1px solid rgba(11,84,84,.08);color:var(--muted)}
.policy-body table tr:hover td{background:var(--warm)}
.policy-body .divider{height:1px;background:rgba(11,84,84,.08);margin:24px 0}

/* Tag badges */
.policy-tag{display:inline-flex;align-items:center;gap:5px;background:var(--teal-light);color:var(--teal);font-size:.7rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;padding:4px 10px;border-radius:20px;margin:0 4px 6px 0}

/* Footer */
.policy-footer{background:var(--dark);color:rgba(255,255,255,.5);padding:40px 7vw;text-align:center}
.policy-footer p{font-size:.8rem;line-height:1.75}
.policy-footer a{color:var(--gold2)}
.policy-footer .eff-date{font-size:.75rem;color:rgba(255,255,255,.35);margin-top:8px}

@media(max-width:640px){
  .policies-wrap{padding:40px 4vw 80px}
  .policy-section-header{padding:22px 20px}
  .policy-body{padding:24px 20px}
  .toc-bar{top:60px}
}