:root{color-scheme:light;--paper:#f4f5f2;--white:#fff;--ink:#293b33;--muted:#59685f;--line:#dfe4dd;--green:#53745f;--green-light:#e8eee7;--accent:#b77762}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:100px}
body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.75 "Segoe UI",Arial,sans-serif}
a{color:#3e644c;text-underline-offset:3px}
a:hover{color:#263e2f}
a:focus-visible{outline:3px solid var(--accent);outline-offset:5px;border-radius:3px}
.skip-link{position:absolute;top:10px;left:16px;z-index:20;transform:translateY(-160%);padding:10px 16px;background:var(--white);border:1px solid var(--green);border-radius:12px}
.skip-link:focus{transform:translateY(0)}
.policy-topbar{border-bottom:1px solid var(--line);background:#fbfcf9}
.policy-topbar-inner{max-width:1060px;margin:auto;padding:20px 28px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.policy-brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-size:27px;line-height:1;font-weight:750;letter-spacing:-1px}
.policy-brand img{width:34px;height:34px}
.policy-brand span{color:var(--accent);margin-left:-9px}
.back-link{font-size:14px;text-decoration:none}
.policy-shell{max-width:1060px;margin:0 auto;padding:46px 28px 62px}
.policy-header{max-width:790px;margin-bottom:30px}
.policy-eyebrow{margin:0 0 10px;font-size:12px;font-weight:650;letter-spacing:1.4px;text-transform:uppercase;color:var(--green)}
h1{font-size:clamp(28px,4vw,42px);line-height:1.2;font-weight:650;letter-spacing:-1px;margin:0 0 14px}
.policy-lead{font-size:18px;line-height:1.65;margin:0 0 12px;color:#485c50}
.policy-date{font-size:13px;color:var(--muted);margin:0}
.policy-grid{display:grid;grid-template-columns:215px minmax(0,1fr);gap:32px;align-items:start}
.policy-toc{position:sticky;top:24px;display:grid;gap:8px;font-size:14px;padding:20px;background:var(--green-light);border:1px solid #d9e3d7;border-radius:18px}
.policy-toc strong{font-size:12px;text-transform:uppercase;letter-spacing:.7px;margin-bottom:6px}
.policy-toc a{padding:5px 0;text-decoration:none}
.policy-content{min-width:0;padding:30px 34px;background:var(--white);border:1px solid var(--line);border-radius:24px;box-shadow:0 14px 38px #26362c08}
.policy-content section+section{border-top:1px solid var(--line);padding-top:24px;margin-top:26px}
h2{font-size:22px;line-height:1.35;letter-spacing:-.35px;margin:0 0 14px;font-weight:650}
h3{font-size:17px;line-height:1.45;margin:20px 0 8px}
p{margin:0 0 14px}
li{margin:6px 0}
ul,ol{padding-left:23px;margin:0 0 16px}
section>:last-child{margin-bottom:0}
.policy-note{padding:17px 20px;background:#f1f5ef;border-left:3px solid var(--green);border-radius:0 12px 12px 0}
.policy-contact{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:10px 22px;background:var(--green);color:white;border-radius:13px;text-decoration:none;font-weight:600;overflow-wrap:anywhere}
.policy-contact:hover{color:white;background:#3f614a}
.policy-footer{display:flex;justify-content:space-between;align-items:flex-start;gap:24px;flex-wrap:wrap;max-width:1060px;margin:auto;padding:25px 28px 32px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}
.policy-footer nav{display:flex;gap:12px 20px;flex-wrap:wrap}
.provider-links{display:flex;gap:10px 18px;flex-wrap:wrap}
.policy-content a{overflow-wrap:anywhere}
@media(max-width:760px){.policy-grid{grid-template-columns:1fr;gap:18px}.policy-toc{position:static;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px 16px}.policy-toc strong{grid-column:1/-1}.policy-shell{padding:30px 18px 40px}.policy-content{padding:24px 22px;border-radius:20px}.policy-topbar-inner,.policy-footer{padding-left:18px;padding-right:18px}.policy-lead{font-size:16px}}
@media(max-width:390px){.policy-toc{grid-template-columns:1fr}.policy-content{padding:22px 18px}.back-link{font-size:13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{body{background:white;font-size:11pt}.policy-shell{padding:20px 0}.policy-topbar,.policy-toc,.policy-footer,.skip-link{display:none}.policy-grid{display:block}.policy-content{border:0;padding:0;box-shadow:none}.policy-content section{break-inside:avoid}.policy-contact{color:var(--ink);background:none;padding:0}h1{font-size:25pt}}