.HeroSection_hero___0IXq{--navy:#0b1f4a;--navy-light:#1e3a72;--gold:#f5a623;--white:#fff;--muted-blue:#aab4cc;--muted-dim:#7a8cad;background:var(--navy);position:relative;overflow:hidden;padding:5rem 2rem 4.5rem;text-align:center}.HeroSection_heroBefore__AAgJU{position:absolute;top:-160px;right:-120px;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(245,166,35,.12) 0,transparent 65%);pointer-events:none}.HeroSection_heroAfter__RituC{position:absolute;bottom:-100px;left:-80px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(30,58,114,.7) 0,transparent 70%);pointer-events:none}.HeroSection_heroInner__kyics{position:relative;z-index:1;max-width:1400px;margin:0 auto}.HeroSection_heroEyebrow__b8c_q{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:HeroSection_fadeSlideDown__Ze7rY .6s ease .1s forwards}.HeroSection_heroTitle__dUt3Q{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-bottom:1.1rem;opacity:0;animation:HeroSection_fadeSlideDown__Ze7rY .6s ease .25s forwards}.HeroSection_heroTitleEm__oCMtB{font-style:italic;color:var(--gold)}.HeroSection_heroSub__0eP1S{font-size:1rem;color:var(--muted-blue);line-height:1.7;max-width:1400px;margin:0 auto 2rem;opacity:0;animation:HeroSection_fadeSlideDown__Ze7rY .6s ease .4s forwards}.HeroSection_heroMeta__mj677{display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap;opacity:0;animation:HeroSection_fadeSlideDown__Ze7rY .6s ease .55s forwards}.HeroSection_heroMetaItem__fEYjW{display:flex;align-items:center;gap:6px;font-size:1rem;color:var(--muted-dim);font-weight:600}.HeroSection_heroMetaDot__iIHvO{width:5px;height:5px;border-radius:50%;background:var(--gold);opacity:.6;flex-shrink:0}@keyframes HeroSection_fadeSlideDown__Ze7rY{0%{opacity:0;transform:translateY(-16px)}to{opacity:1;transform:translateY(0)}}@media (max-width:480px){.HeroSection_hero___0IXq{padding:3.5rem 1rem 3rem}}.PolicyLayout_policyLayout__HVZW9{--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;max-width:1400px;margin:0 auto;padding:4rem 2rem 5rem;display:grid;grid-template-columns:240px 1fr;gap:3rem;align-items:start;position:relative}.PolicyLayout_toc__SOKOT{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__zJs2G .6s ease .7s forwards;z-index:10}.PolicyLayout_tocDrawerClose__c0mGl,.PolicyLayout_tocToggle__5y1PI{display:none}.PolicyLayout_tocDrawerHeader__l1VUV{display:flex;align-items:center;justify-content:space-between;margin-bottom:.9rem}.PolicyLayout_tocLabel__dSiP7{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:0}.PolicyLayout_tocBackdrop__6_vpd{display:none}.PolicyLayout_tocList__BU29X{list-style:none;display:flex;flex-direction:column;gap:2px;padding:0;margin:0}.PolicyLayout_tocLink__LjABZ{display:block;font-size:.8rem;color:var(--muted);text-decoration:none;padding:6px 10px;border-radius:var(--r-sm);transition:background .15s,color .15s;line-height:1.4;font-weight:500}.PolicyLayout_tocLinkActive__RpLq4,.PolicyLayout_tocLink__LjABZ:hover{background:var(--navy-pale);color:var(--navy-light);font-weight:700}.PolicyLayout_tocLinkActive__RpLq4{display:block;font-size:.8rem;text-decoration:none;padding:6px 10px;border-radius:var(--r-sm);transition:background .15s,color .15s;line-height:1.4}.PolicyLayout_tocLinkActive__RpLq4:before{content:"▸ ";color:var(--gold)}.PolicyLayout_policyContent__TSWkl{display:flex;flex-direction:column;gap:1.5rem}.PolicyLayout_policyCard__xKBQi{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;position:relative}.PolicyLayout_policyCard__xKBQi:before{content:"";display:block;height:3px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .25s ease}.PolicyLayout_policyCard__xKBQi:hover:before{transform:scaleX(1)}.PolicyLayout_policyCard__xKBQi:hover{border-color:#c5cfe8;box-shadow:0 6px 28px rgba(11,31,74,.07)}.PolicyLayout_policyCard__xKBQi.PolicyLayout_visible__nt9YX{animation:PolicyLayout_cardReveal__3YwZM .55s ease forwards}.PolicyLayout_cardHeader__m2XZn{display:flex;align-items:center;gap:14px;padding:1.4rem 1.75rem;border-bottom:1px solid var(--border);background:var(--off-white)}.PolicyLayout_cardIcon__ajyHe{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;background:var(--navy-pale)}.PolicyLayout_cardNum__wNgUH{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:2px}.PolicyLayout_cardTitle__3IXvu{font-family:Playfair Display,Georgia,serif;font-size:1.1rem;font-weight:700;color:var(--navy);line-height:1.25}.PolicyLayout_cardBody__po_8G{padding:1.5rem 1.75rem}.PolicyLayout_cardParagraph__A2Qp4{font-size:.92rem;color:var(--muted);line-height:1.8;margin-bottom:.85rem}.PolicyLayout_cardParagraph__A2Qp4:last-child{margin-bottom:0}.PolicyLayout_cardParagraph__A2Qp4 strong{color:var(--navy);font-weight:700}.PolicyLayout_cardLink__2glhu{color:var(--navy-light);font-weight:600;text-underline-offset:3px}.PolicyLayout_cardList__rTVAK{list-style:none;display:flex;flex-direction:column;gap:.6rem;margin-top:.75rem;margin-bottom:.85rem;padding:0}.PolicyLayout_cardList__rTVAK li{font-size:.92rem;color:var(--muted);line-height:1.7;padding-left:1.25rem;position:relative}.PolicyLayout_cardList__rTVAK li:before{content:"▸";position:absolute;left:0;color:var(--gold);font-size:.75rem;top:3px}.PolicyLayout_cardList__rTVAK li strong{color:var(--navy)}.PolicyLayout_noteCard__CxVli{background:var(--navy);border-color:var(--navy)}.PolicyLayout_noteCard__CxVli:before{background:var(--gold)}.PolicyLayout_noteCard__CxVli .PolicyLayout_cardHeader__m2XZn{background:var(--navy-mid);border-bottom-color:hsla(0,0%,100%,.1)}.PolicyLayout_noteCard__CxVli .PolicyLayout_cardIcon__ajyHe{background:rgba(245,166,35,.15)}.PolicyLayout_noteCard__CxVli .PolicyLayout_cardNum__wNgUH{color:#7a8cad}.PolicyLayout_noteCard__CxVli .PolicyLayout_cardTitle__3IXvu{color:var(--white)}.PolicyLayout_noteCard__CxVli .PolicyLayout_cardList__rTVAK li,.PolicyLayout_noteCard__CxVli .PolicyLayout_cardParagraph__A2Qp4{color:#aab4cc}.PolicyLayout_noteCard__CxVli .PolicyLayout_cardList__rTVAK li strong{color:var(--gold-light)}.PolicyLayout_noteCard__CxVli .PolicyLayout_cardLink__2glhu,.PolicyLayout_noteCard__CxVli .PolicyLayout_cardParagraph__A2Qp4 strong{color:var(--gold)}.PolicyLayout_noteCard__CxVli:hover{border-color:rgba(245,166,35,.35);box-shadow:0 6px 28px rgba(0,0,0,.2)}.PolicyLayout_highlightCard__1lnxM{background:var(--gold-pale);border-color:rgba(245,166,35,.35)}.PolicyLayout_highlightCard__1lnxM:before{background:var(--gold)}.PolicyLayout_highlightCard__1lnxM .PolicyLayout_cardHeader__m2XZn{background:rgba(245,166,35,.1);border-bottom-color:rgba(245,166,35,.25)}.PolicyLayout_highlightCard__1lnxM .PolicyLayout_cardIcon__ajyHe{background:rgba(245,166,35,.2)}@keyframes PolicyLayout_fadeSlideLeft__zJs2G{0%{opacity:0;transform:translateX(-16px)}to{opacity:1;transform:translateX(0)}}@keyframes PolicyLayout_cardReveal__3YwZM{0%{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}@keyframes PolicyLayout_drawerSlideIn__Aet8J{0%{transform:translateX(-100%);opacity:0}to{transform:translateX(0);opacity:1}}@media (max-width:1024px){.PolicyLayout_policyLayout__HVZW9{grid-template-columns:1fr;padding:3rem 1.75rem 4.5rem;gap:2rem}.PolicyLayout_tocToggle__5y1PI{display:inline-flex;align-items:center;gap:8px;position:sticky;top:76px;z-index:200;align-self:start;margin-bottom:-1rem;background:var(--navy);color:var(--white);border:none;border-radius:24px;padding:8px 18px 8px 14px;font-size:.8rem;font-weight:700;letter-spacing:.04em;cursor:pointer;box-shadow:0 4px 16px rgba(11,31,74,.25);transition:background .18s,transform .15s}.PolicyLayout_tocToggle__5y1PI:hover{background:var(--navy-mid);transform:translateY(-1px)}.PolicyLayout_tocToggleIcon__cWYoT{font-size:1rem;line-height:1}.PolicyLayout_tocToggleLabel__e9zBM{line-height:1}.PolicyLayout_tocBackdrop__6_vpd{display:block;position:fixed;inset:0;background:rgba(11,31,74,.45);backdrop-filter:blur(2px);z-index:299;animation:PolicyLayout_fadeIn__xsQpP .2s ease forwards}@keyframes PolicyLayout_fadeIn__xsQpP{0%{opacity:0}to{opacity:1}}.PolicyLayout_toc__SOKOT{position:fixed;top:0;left:0;height:100dvh;width:300px;max-width:85vw;border-radius:0 var(--r) var(--r) 0;border:none;border-right:1.5px solid var(--border);padding:1.5rem 1.25rem 2rem;overflow-y:auto;z-index:300;opacity:1;animation:none;transform:translateX(-100%);transition:transform .28s cubic-bezier(.4,0,.2,1),box-shadow .28s ease;box-shadow:none}.PolicyLayout_toc__SOKOT.PolicyLayout_tocOpen__XosLH{transform:translateX(0);box-shadow:8px 0 40px rgba(11,31,74,.18)}.PolicyLayout_tocDrawerClose__c0mGl{display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;border:1.5px solid var(--border);background:transparent;color:var(--muted);font-size:.85rem;cursor:pointer;transition:background .15s,color .15s;flex-shrink:0}.PolicyLayout_tocDrawerClose__c0mGl:hover{background:var(--navy-pale);color:var(--navy)}.PolicyLayout_tocLinkActive__RpLq4,.PolicyLayout_tocLink__LjABZ{font-size:.9rem;padding:9px 12px}.PolicyLayout_tocList__BU29X{gap:4px}}@media (max-width:480px){.PolicyLayout_policyLayout__HVZW9{padding:2.5rem 1rem 4rem}.PolicyLayout_tocToggle__5y1PI{top:68px;padding:7px 14px 7px 12px;font-size:.78rem}.PolicyLayout_cardHeader__m2XZn{padding:1.1rem 1.25rem}.PolicyLayout_cardBody__po_8G{padding:1.25rem}.PolicyLayout_cardTitle__3IXvu{font-size:1rem}}.CTAStrip_ctaStrip__T8mta{--navy:#0b1f4a;--navy-mid:#132a5e;--gold:#f5a623;--white:#fff;--r-sm:8px;background:var(--gold);padding:2.5rem 2rem;text-align:center}.CTAStrip_ctaTitle__k9HW8{font-family:Playfair Display,Georgia,serif;font-size:clamp(1.6rem,3vw,2.2rem);font-weight:800;color:var(--navy);margin-bottom:.5rem}.CTAStrip_ctaDescription__MLeKM{font-size:1.15rem;color:rgba(11,31,74,.7);margin-bottom:1.5rem}.CTAStrip_ctaButton__pnnPc{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__pnnPc:hover{background:var(--navy-mid);transform:translateY(-1px)}