.RefundHero_hero__F81Q7{--navy:#0b1f4a;--navy-mid:#132a5e;--navy-light:#1e3a72;--gold:#f5a623;--white:#fff;background:var(--navy);position:relative;overflow:hidden;padding:5rem 2rem 4.5rem;text-align:center;font-family:DM Sans,Segoe UI,system-ui,sans-serif;-webkit-font-smoothing:antialiased}.RefundHero_hero__F81Q7:before{top:-160px;right:-120px;width:600px;height:600px;background:radial-gradient(circle,rgba(245,166,35,.12) 0,transparent 65%)}.RefundHero_hero__F81Q7:after,.RefundHero_hero__F81Q7:before{content:"";position:absolute;border-radius:50%;pointer-events:none}.RefundHero_hero__F81Q7:after{bottom:-100px;left:-80px;width:420px;height:420px;background:radial-gradient(circle,rgba(30,58,114,.7) 0,transparent 70%)}.RefundHero_heroInner__ZDEfl{position:relative;z-index:1;max-width:1400px;margin:0 auto}.RefundHero_heroEyebrow__WsgAd{display:inline-flex;align-items:center;gap:8px;background:rgba(245,166,35,.15);border:1px solid rgba(245,166,35,.3);color:var(--gold);font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:6px 16px;border-radius:20px;margin-bottom:1.5rem;opacity:0;animation:RefundHero_fadeSlideDown__R5Eho .6s ease .1s forwards}.RefundHero_heroTitle__04sFv{font-family:Playfair Display,Georgia,serif;font-size:clamp(2.2rem,5vw,3.4rem);font-weight:800;color:var(--white);line-height:1.12;letter-spacing:-.02em;margin:0 0 1.1rem;opacity:0;animation:RefundHero_fadeSlideDown__R5Eho .6s ease .25s forwards}.RefundHero_heroTitleEm__7ZyMu{font-style:italic;color:var(--gold)}.RefundHero_heroSub__Bhn_z{font-size:1.2rem;color:#aab4cc;line-height:1.7;max-width:1400px;margin:0 auto 2rem;opacity:0;animation:RefundHero_fadeSlideDown__R5Eho .6s ease .4s forwards}.RefundHero_heroMeta__SOgbf{display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap;opacity:0;animation:RefundHero_fadeSlideDown__R5Eho .6s ease .55s forwards}.RefundHero_heroMetaItem__CM26X{display:flex;align-items:center;gap:6px;font-size:.8rem;color:#7a8cad;font-weight:600}.RefundHero_heroMetaDot__G611D{width:5px;height:5px;border-radius:50%;background:var(--gold);opacity:.6;flex-shrink:0}@keyframes RefundHero_fadeSlideDown__R5Eho{0%{opacity:0;transform:translateY(-16px)}to{opacity:1;transform:translateY(0)}}@media (max-width:480px){.RefundHero_hero__F81Q7{padding:3.5rem 1rem 3rem}.RefundHero_heroMeta__SOgbf{gap:.75rem}}.PolicyLayout_policyLayout__du1VX{--navy:#0b1f4a;--navy-mid:#132a5e;--navy-light:#1e3a72;--navy-pale:#eef2fa;--gold:#f5a623;--gold-light:#fbbf5b;--gold-pale:#fef5e4;--white:#fff;--off-white:#f7f8fc;--muted:#6b7a99;--border:#dde3f0;--r:14px;--r-sm:8px;background:#f7f8fc;max-width:1600px;margin:0 auto;padding:4rem 2rem 5rem;display:grid;grid-template-columns:220px 1fr;gap:3rem;align-items:start}.PolicyLayout_toc__niUml{position:sticky;top:88px;background:var(--white);border:1.5px solid var(--border);border-radius:var(--r);padding:1.25rem 1.25rem 1.5rem;opacity:0;animation:PolicyLayout_fadeSlideLeft__9UxFt .6s ease .7s forwards}.PolicyLayout_tocLabel__vTCR_{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:.9rem}.PolicyLayout_tocList__8_OoR{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:2px}.PolicyLayout_tocList__8_OoR a{display:block;font-size:1rem;color:var(--muted);text-decoration:none;padding:5px 8px;border-radius:var(--r-sm);transition:background .15s,color .15s;line-height:1.4;font-weight:500}.PolicyLayout_tocActive__hBcmZ,.PolicyLayout_tocList__8_OoR a:hover{background:var(--navy-pale)!important;color:var(--navy-light)!important;font-weight:700!important}.PolicyLayout_tocActive__hBcmZ:before{content:"▸ ";color:var(--gold)}.PolicyLayout_policyContent__F3xBl{display:flex;flex-direction:column;gap:1.5rem}.PolicyLayout_policyCard__LUl4o{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r);overflow:hidden;opacity:0;transform:translateY(24px);transition:border-color .2s,box-shadow .2s}.PolicyLayout_policyCard__LUl4o:before{content:"";display:block;height:3px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .25s ease}.PolicyLayout_policyCard__LUl4o:hover:before{transform:scaleX(1)}.PolicyLayout_policyCard__LUl4o:hover{border-color:#c5cfe8;box-shadow:0 6px 28px rgba(11,31,74,.07)}.PolicyLayout_visible__PFzC3{animation:PolicyLayout_cardReveal__4qd0O .55s ease forwards}.PolicyLayout_cardHeader__8qXIN{display:flex;align-items:center;gap:14px;padding:1.4rem 1.75rem;border-bottom:1px solid var(--border);background:var(--off-white)}.PolicyLayout_cardIcon__7T3me{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;flex-shrink:0;background:var(--navy-pale)}.PolicyLayout_cardNum__NWhGn{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:2px}.PolicyLayout_cardTitle__k_gAy{font-family:Playfair Display,Georgia,serif;font-size:1.3rem;font-weight:700;color:var(--navy);line-height:1.25}.PolicyLayout_cardBody__CcbqN{padding:1.5rem 1.75rem}.PolicyLayout_cardBody__CcbqN p{font-size:1.12rem;color:var(--muted);line-height:1.8;margin-bottom:.85rem}.PolicyLayout_cardBody__CcbqN p:last-child{margin-bottom:0}.PolicyLayout_cardBody__CcbqN strong{color:var(--navy);font-weight:700}.PolicyLayout_noteCard__U9wMA{background:var(--navy);border-color:var(--navy)}.PolicyLayout_noteCard__U9wMA .PolicyLayout_cardHeader__8qXIN{background:var(--navy-mid);border-bottom-color:hsla(0,0%,100%,.1)}.PolicyLayout_noteCard__U9wMA .PolicyLayout_cardIcon__7T3me{background:rgba(245,166,35,.15)}.PolicyLayout_noteCard__U9wMA .PolicyLayout_cardNum__NWhGn{color:#7a8cad}.PolicyLayout_noteCard__U9wMA .PolicyLayout_cardTitle__k_gAy{color:var(--white)}.PolicyLayout_noteCard__U9wMA .PolicyLayout_cardBody__CcbqN p{color:#aab4cc}.PolicyLayout_noteCard__U9wMA .PolicyLayout_cardBody__CcbqN strong{color:var(--gold)}.PolicyLayout_noteCard__U9wMA:hover{border-color:rgba(245,166,35,.35);box-shadow:0 6px 28px rgba(0,0,0,.2)}.PolicyLayout_noteCard__U9wMA:before{background:var(--gold)}.PolicyLayout_inlineLink__Yb1WT{color:var(--navy-light);font-weight:600;text-underline-offset:3px}.PolicyLayout_inlineLinkGold__GlGTg{color:var(--gold);font-weight:600;text-underline-offset:3px}@keyframes PolicyLayout_fadeSlideLeft__9UxFt{0%{opacity:0;transform:translateX(-16px)}to{opacity:1;transform:translateX(0)}}@keyframes PolicyLayout_cardReveal__4qd0O{0%{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}@media (max-width:820px){.PolicyLayout_policyLayout__du1VX{grid-template-columns:1fr;gap:2rem;padding:2.5rem 1.5rem 4rem}.PolicyLayout_toc__niUml{position:static}}@media (max-width:480px){.PolicyLayout_cardHeader__8qXIN{padding:1.1rem 1.25rem}.PolicyLayout_cardBody__CcbqN{padding:1.25rem}}.CTAStrip_ctaStrip__zts7t{--navy:#0b1f4a;--navy-mid:#132a5e;--gold:#d4ba70;--white:#fff;--r-sm:8px;background:var(--gold);padding:2.5rem 2rem;text-align:center}.CTAStrip_heading__2gVmg{font-family:Playfair Display,Georgia,serif;font-size:clamp(1.4rem,3vw,2rem);font-weight:800;color:var(--navy);margin-bottom:.5rem}.CTAStrip_subtext__D666y{font-size:.95rem;color:rgba(11,31,74,.7);margin-bottom:1.5rem}.CTAStrip_ctaButton___WlLj{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:var(--white);font-weight:700;font-size:.95rem;padding:12px 28px;border-radius:var(--r-sm);text-decoration:none;transition:background .18s,transform .15s}.CTAStrip_ctaButton___WlLj:hover{background:var(--navy-mid);transform:translateY(-1px)}