.breadcrumb{max-width:70rem;margin:0 auto;padding:1.25rem 1.5rem 0;font-size:.8125rem;color:var(--light-muted)}.breadcrumb a{color:var(--muted);text-decoration:none}.breadcrumb a:hover{text-decoration:underline}.breadcrumb span{margin:0 .35rem}.policy-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem;margin-top:1.5rem}.policy-card{border:1.5px solid var(--paper);border-radius:.5rem;padding:1.5rem 1.5rem 1.25rem;transition:border-color .2s,box-shadow .2s}.policy-card:hover{border-color:var(--gold);box-shadow:0 2px 12px #0e2f3b0f}.policy-card h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.375rem}.policy-card p{font-size:.875rem;color:var(--muted);line-height:1.6;margin-bottom:.875rem}.policy-card-link{font-family:Montserrat,sans-serif;font-size:.6875rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--gold);text-decoration:none}.policy-card-link:hover{text-decoration:underline}.waiver-callout{border-left:4px solid var(--gold);background:var(--white);box-shadow:0 1px 6px #0e2f3b0a;border-radius:0 .5rem .5rem 0;padding:1.75rem 1.75rem 1.75rem 2rem;margin-top:3rem}.waiver-callout h3{font-size:1.0625rem;color:var(--navy);margin-bottom:.5rem}.waiver-callout p{font-size:.9375rem;color:var(--muted);max-width:35rem;margin-bottom:1rem}.policies-contact{text-align:center;max-width:67.5rem;margin:0 auto;padding:4.5rem 1.5rem 5.5rem;border-top:1px solid var(--paper)}.policies-contact h3{font-size:1.125rem;color:var(--navy);margin-bottom:.375rem}.policies-contact p{color:var(--muted);font-size:.9375rem;margin-bottom:1.5rem}.policies-contact-ctas{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}.policies-contact-ctas .btn-outline{color:var(--navy);border-color:#0e2f3b40}.policies-contact-ctas .btn-outline:hover{border-color:var(--navy);color:var(--navy)}@media(max-width:768px){.policy-grid{grid-template-columns:1fr}}.policy-detail{max-width:45rem;margin:0 auto;padding:0 1.75rem 3.75rem}.policy-detail .breadcrumb{max-width:none;margin:0;padding:1rem 0}.policy-detail .policy-hero{padding:3rem 0 2rem}.policy-detail .policy-hero h1{font-size:clamp(1.4rem,3.5vw,2rem);font-weight:800;color:var(--navy);line-height:1.2;margin-bottom:.5rem}.policy-detail .policy-label{font-family:Montserrat,sans-serif;font-size:.6875rem;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);margin-bottom:.75rem}.policy-detail .policy-meta{font-size:.8125rem;color:var(--light-muted)}.policy-detail .policy-body{font-size:1.0625rem;line-height:1.75;color:var(--body)}.policy-detail .policy-body h2{font-size:1.125rem;font-weight:700;color:var(--navy);line-height:1.2;margin:2rem 0 .625rem;padding-top:.5rem;scroll-margin-top:6rem}.policy-detail .policy-body h2:first-child{margin-top:0}.policy-detail .policy-body h3{font-size:1rem;font-weight:700;color:var(--navy);line-height:1.3;margin:1.5rem 0 .5rem;scroll-margin-top:6rem}.policy-detail .policy-body p{margin-bottom:.75rem}.policy-detail .policy-body ul{padding-left:1.25rem;margin:.5rem 0 1rem}.policy-detail .policy-body li{margin-bottom:.375rem;line-height:1.7}.policy-detail .policy-body strong{color:var(--navy)}.policy-detail .policy-body .policy-table-wrap{overflow-x:auto;margin:1rem 0 1.25rem}.policy-detail .policy-body .policy-table{width:100%;border-collapse:collapse;font-size:.9375rem}.policy-detail .policy-body .policy-table th{font-family:Montserrat,sans-serif;font-size:.6875rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--light-muted);text-align:left;padding:.75rem 1rem .75rem 0;border-bottom:2px solid var(--navy);white-space:nowrap}.policy-detail .policy-body .policy-table td{padding:.75rem 1rem .75rem 0;border-bottom:1px solid rgba(14,47,59,.08);vertical-align:top}.policy-detail .policy-body .policy-table tbody tr:last-child td{border-bottom:none}.policy-detail .policy-body a{color:var(--gold);text-decoration:none}.policy-detail .policy-body a:hover{text-decoration:underline}.policy-detail .policy-back-link{display:inline-flex;align-items:center;gap:.375rem;font-family:Montserrat,sans-serif;font-size:.75rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--gold);text-decoration:none;margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid var(--paper);width:100%}.policy-detail .policy-back-link:hover{color:var(--gold-hover)}@media(max-width:768px){.policy-detail{padding:0 1.25rem 3rem}.policy-detail .policy-hero{padding:2.25rem 0 1.5rem}}