:root{--white:#ffffff;--off-white:#f9fafb;--cream:#f6f1e9;--beige:#ede7d9;--sky:#4ba8d8;--sky-dark:#2e8bbf;--sky-light:#eaf5fc;--sky-mid:#aad4ee;--sage:#52967a;--sage-dark:#3a7a61;--sage-light:#e8f4ee;--sage-mid:#a8d4bc;--gold:#c49020;--gold-dark:#a87a10;--gold-light:#fdf5e0;--ink:#1c2a38;--ink2:#334455;--muted:#6a7f90;--muted2:#9fb0be;--border:rgba(74,168,216,0.18);--border-light:rgba(26,42,56,0.08);--r:10px;--r-sm:6px}[data-theme="dark"]{--white:#1e2a36;--off-white:#19232d;--cream:#1a2530;--beige:#1c2a38;--sky:#4ba8d8;--sky-dark:#6ec0e8;--sky-light:rgba(74,168,216,.12);--sky-mid:rgba(74,168,216,.35);--sage:#52967a;--sage-dark:#6db898;--sage-light:rgba(82,150,122,.12);--sage-mid:rgba(82,150,122,.35);--gold:#c49020;--gold-dark:#e0b040;--gold-light:rgba(196,144,32,.12);--ink:#d8e6f0;--ink2:#a8c0d0;--muted:#7a9ab0;--muted2:#4a6a80;--border:rgba(74,168,216,0.22);--border-light:rgba(255,255,255,0.07)}[data-theme="dark"] body{background:#141d26;color:#d8e6f0}[data-theme="dark"] #navbar{background:rgba(20,29,38,0.96) !important}[data-theme="dark"] footer{background:#0d1520}[data-theme="dark"] .f-inp,[data-theme="dark"] .f-sel,[data-theme="dark"] .f-txt{background:#19232d;border-color:var(--border-light);color:var(--ink)}[data-theme="dark"] .theme-opts{background:#1e2a36;border-color:rgba(255,255,255,0.1)}[data-theme="dark"] .theme-opt:hover{background:rgba(74,168,216,.15)}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{background:var(--white);color:var(--ink);font-family:'Outfit',system-ui,sans-serif;font-size:16px;line-height:1.65;overflow-x:hidden}h1,h2,h3,h4{font-family:'Cormorant Garamond',serif;font-weight:400;line-height:1.1;color:var(--ink)}.eyebrow{font-family:'DM Mono',monospace;font-size:.67rem;letter-spacing:.22em;text-transform:uppercase;color:var(--sky-dark);display:block;margin-bottom:14px}a{color:var(--sky-dark);text-decoration:none}a:hover{color:var(--sky)}.wrap{max-width:1140px;margin:0 auto;padding:0 40px}.wrap-sm{max-width:760px;margin:0 auto;padding:0 40px}section{padding:100px 0}#navbar{position:fixed;top:0;left:0;right:0;z-index:100;height:68px;background:rgba(255,255,255,0.94);backdrop-filter:blur(18px);border-bottom:1px solid var(--border-light);box-shadow:0 2px 16px rgba(74,168,216,0.07);transition:box-shadow .3s}.nav-inner{max-width:1140px;margin:0 auto;padding:0 40px;height:100%;display:flex;align-items:center;gap:32px}.nav-logo{display:flex;align-items:center;gap:11px;flex-shrink:0}.logo-svg{width:36px;height:36px;flex-shrink:0}.logo-name{font-family:'Outfit',sans-serif;font-weight:600;font-size:14.5px;color:var(--ink);line-height:1}.logo-words{display:flex;flex-direction:column;gap:2px}.logo-sub{font-family:"DM Mono",monospace;font-size:6.5px;letter-spacing:.18em;color:var(--sky-dark);margin-top:3px}.logo-img-light{display:none;mix-blend-mode:multiply}.logo-img-dark{display:block;mix-blend-mode:screen;filter:brightness(1.1)}[data-theme="light"] .logo-img-light{display:block}[data-theme="light"] .logo-img-dark{display:none}footer .logo-img-dark{display:block!important}footer .logo-img-light{display:none!important}.nav-links{display:flex;gap:4px;flex:1;justify-content:center}.nav-link{font-size:13.5px;color:var(--muted);padding:6px 13px;border-radius:var(--r-sm);transition:all .15s;font-weight:500;text-decoration:none}.nav-link:hover{color:var(--ink);background:var(--sky-light)}.nav-ctas{display:flex;gap:10px;flex-shrink:0}.btn{display:inline-flex;align-items:center;gap:7px;padding:10px 22px;border-radius:var(--r-sm);font-family:'Outfit',sans-serif;font-size:13.5px;font-weight:500;cursor:pointer;border:none;text-decoration:none;transition:all .18s;line-height:1;white-space:nowrap}.btn-sky{background:var(--sky);color:#fff;box-shadow:0 4px 16px rgba(74,168,216,.3)}.btn-sky:hover{background:var(--sky-dark);color:#fff;transform:translateY(-1px)}.btn-outline{background:transparent;color:var(--sky-dark);border:1.5px solid var(--sky-mid)}.btn-outline:hover{background:var(--sky-light);border-color:var(--sky)}.btn-white{background:rgba(255,255,255,.16);color:#fff;border:1.5px solid rgba(255,255,255,.38)}.btn-white:hover{background:rgba(255,255,255,.26);color:#fff}.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold-dark);color:#fff;transform:translateY(-1px)}.btn-lg{padding:13px 30px;font-size:15px}.btn-sm{padding:8px 16px;font-size:12.5px}.f-grp{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}.f-lbl{font-family:'DM Mono',monospace;font-size:9px;letter-spacing:.15em;text-transform:uppercase;color:var(--muted2)}.f-inp,.f-sel,.f-txt{background:var(--off-white);border:1.5px solid var(--border-light);border-radius:var(--r-sm);padding:10px 13px;color:var(--ink);font-size:14px;font-family:'Outfit',sans-serif;outline:none;transition:border-color .15s,box-shadow .15s}.f-inp:focus,.f-sel:focus,.f-txt:focus{border-color:var(--sky);box-shadow:0 0 0 3px rgba(74,168,216,.12)}.f-txt{resize:vertical;min-height:100px;line-height:1.6}.f-note{font-size:11.5px;color:var(--muted2)}.theme-wrap{position:relative;display:inline-block}.theme-toggle{display:flex;align-items:center;gap:6px;padding:6px 12px;border-radius:20px;border:1.5px solid var(--border);background:transparent;cursor:pointer;font-family:'DM Mono',monospace;font-size:10px;letter-spacing:.08em;color:var(--muted);transition:all .18s;white-space:nowrap}.theme-toggle:hover{border-color:var(--sky-mid);color:var(--sky-dark);background:var(--sky-light)}.theme-toggle svg{width:13px;height:13px;flex-shrink:0}.theme-opts{position:absolute;top:calc(100% + 8px);right:0;background:var(--white);border:1px solid var(--border);border-radius:var(--r);box-shadow:0 8px 28px rgba(0,0,0,.15);min-width:130px;z-index:300;overflow:hidden;display:none}.theme-opts.open{display:block}.theme-opt{display:flex;align-items:center;gap:9px;padding:10px 14px;font-size:13px;color:var(--muted);cursor:pointer;transition:background .12s}.theme-opt:hover{background:var(--sky-light);color:var(--ink)}.theme-opt.active{color:var(--sky-dark);font-weight:500}.theme-opt svg{width:13px;height:13px;opacity:.7}footer{background:var(--ink);color:rgba(255,255,255,.7);padding:56px 0 28px}.foot-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:56px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:28px}.foot-about{font-size:13.5px;color:rgba(255,255,255,.55);line-height:1.8;margin-top:14px;max-width:280px}.foot-col-title{font-family:'DM Mono',monospace;font-size:9px;letter-spacing:.2em;text-transform:uppercase;color:var(--sky-mid);margin-bottom:18px}.foot-links{display:flex;flex-direction:column;gap:10px}.foot-link{font-size:13.5px;color:rgba(255,255,255,.55);transition:color .12s;text-decoration:none}.foot-link:hover{color:rgba(255,255,255,.95)}.foot-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}.foot-copy{font-size:12px;color:rgba(255,255,255,.38)}.foot-legal{display:flex;gap:20px}.foot-legal a{font-size:12px;color:rgba(255,255,255,.38);text-decoration:none}.foot-legal a:hover{color:rgba(255,255,255,.75)}.foot-disclaimer{font-size:11px;color:rgba(255,255,255,.25);line-height:1.6;margin-top:18px}.r{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}.r.in{opacity:1;transform:translateY(0)}.d1{transition-delay:.10s}.d2{transition-delay:.20s}.d3{transition-delay:.30s}.d4{transition-delay:.40s}.page-hero{padding:130px 0 64px;background:linear-gradient(150deg,#edf7fd 0%,#f6f1e9 50%,#eef5ee 100%);border-bottom:1px solid var(--border-light);position:relative;overflow:hidden}.page-hero::before{content:'';position:absolute;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(74,168,216,.09) 0%,transparent 65%);top:-140px;right:-80px;pointer-events:none}.page-hero h1{font-size:clamp(2.4rem,5vw,3.8rem);margin-bottom:16px}.page-hero h1 em{font-style:italic;color:var(--sky-dark)}.page-hero-meta{display:flex;gap:28px;flex-wrap:wrap;margin-top:22px}.meta-pill{display:inline-flex;align-items:center;gap:7px;font-family:'DM Mono',monospace;font-size:10px;letter-spacing:.14em;color:var(--muted2);text-transform:uppercase}.meta-pill::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--sky-mid);flex-shrink:0}[data-theme="dark"] .page-hero{background:linear-gradient(150deg,#152030 0%,#1a2a20 50%,#152030 100%) !important}.policy-layout{display:grid;grid-template-columns:220px 1fr;gap:72px;padding:72px 0 100px;align-items:start}.toc{position:sticky;top:90px}.toc-title{font-family:'DM Mono',monospace;font-size:9px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted2);margin-bottom:18px}.toc-list{display:flex;flex-direction:column;gap:2px}.toc-link{font-size:13px;color:var(--muted);padding:7px 12px;border-radius:var(--r-sm);border-left:2px solid transparent;transition:all .15s;text-decoration:none;line-height:1.4}.toc-link:hover{color:var(--ink);background:var(--sky-light);border-left-color:var(--sky-mid)}.toc-link.active{color:var(--sky-dark);background:var(--sky-light);border-left-color:var(--sky)}.toc-divider{height:1px;background:var(--border-light);margin:10px 0}.policy-content{min-width:0}.policy-section{margin-bottom:56px;padding-bottom:56px;border-bottom:1px solid var(--border-light)}.policy-section:last-child{border-bottom:none;margin-bottom:0}[data-theme="dark"] .policy-section{border-bottom-color:rgba(255,255,255,0.07)}.section-anchor{display:block;position:relative;top:-90px;visibility:hidden}.section-num{font-family:'DM Mono',monospace;font-size:10px;letter-spacing:.2em;color:var(--sky-dark);text-transform:uppercase;margin-bottom:8px}.section-title{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:20px}.policy-p{font-size:15px;color:var(--ink2);line-height:1.85;margin-bottom:16px}.policy-p:last-child{margin-bottom:0}.policy-p strong{color:var(--ink);font-weight:500}.info-box{background:var(--sky-light);border:1px solid var(--sky-mid);border-left:3px solid var(--sky);border-radius:0 var(--r-sm) var(--r-sm) 0;padding:18px 20px;margin:22px 0}.info-box p{font-size:14px;color:var(--ink2);line-height:1.75;margin:0}.info-box p+p{margin-top:8px}.warn-box{background:var(--gold-light);border:1px solid rgba(196,144,32,.28);border-left:3px solid var(--gold);border-radius:0 var(--r-sm) var(--r-sm) 0;padding:18px 20px;margin:22px 0}.warn-box p{font-size:14px;color:var(--ink2);line-height:1.75;margin:0}.warn-box p+p{margin-top:10px}.alert-box{background:#fdf0ee;border:1px solid rgba(192,57,43,.22);border-left:3px solid #c0392b;border-radius:0 var(--r-sm) var(--r-sm) 0;padding:18px 20px;margin:22px 0}.alert-box p{font-size:14px;color:var(--ink2);line-height:1.75;margin:0}.alert-box p+p{margin-top:10px}.sage-box{background:var(--sage-light);border:1px solid var(--sage-mid);border-left:3px solid var(--sage);border-radius:0 var(--r-sm) var(--r-sm) 0;padding:18px 20px;margin:22px 0}.sage-box p{font-size:14px;color:var(--ink2);line-height:1.75;margin:0}.sage-box p+p{margin-top:10px}[data-theme="dark"] .info-box{background:rgba(74,168,216,.10);border-color:rgba(74,168,216,.25)}[data-theme="dark"] .warn-box{background:rgba(196,144,32,.10);border-color:rgba(196,144,32,.25)}[data-theme="dark"] .alert-box{background:rgba(192,57,43,.10);border-color:rgba(192,57,43,.25)}[data-theme="dark"] .sage-box{background:rgba(82,150,122,.10);border-color:rgba(82,150,122,.25)}.policy-list{margin:16px 0;display:flex;flex-direction:column;gap:9px}.policy-list li{display:flex;align-items:flex-start;gap:10px;font-size:15px;color:var(--ink2);line-height:1.7;list-style:none}.policy-list li::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--sky-mid);flex-shrink:0;margin-top:8px}.summary-card{background:var(--off-white);border:1px solid var(--border-light);border-radius:var(--r);padding:20px 22px}[data-theme="dark"] .summary-card{background:#1e2a36}.summary-card-label{font-family:'DM Mono',monospace;font-size:9px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted2);margin-bottom:8px}.summary-card-title{font-family:'Cormorant Garamond',serif;font-size:17px;color:var(--ink);margin-bottom:8px}.summary-card p{font-size:13px;color:var(--ink2);line-height:1.7}.phipa-ref{display:inline-block;font-family:'DM Mono',monospace;font-size:10px;letter-spacing:.08em;background:var(--sky-light);color:var(--sky-dark);border:1px solid var(--sky-mid);padding:2px 7px;border-radius:3px;margin-left:4px;vertical-align:middle}.summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0}.badge{display:inline-block;font-family:'DM Mono',monospace;font-size:9px;letter-spacing:.12em;text-transform:uppercase;padding:3px 9px;border-radius:3px;margin-left:8px;vertical-align:middle}.badge-sky{background:var(--sky-light);color:var(--sky-dark);border:1px solid var(--sky-mid)}.badge-sage{background:var(--sage-light);color:var(--sage-dark);border:1px solid var(--sage-mid)}.badge-gold{background:var(--gold-light);color:var(--gold-dark);border:1px solid rgba(196,144,32,.3)}.contact-card{background:var(--off-white);border:1px solid var(--border-light);border-radius:var(--r);padding:28px 30px;margin-top:24px}.contact-card-title{font-family:'Cormorant Garamond',serif;font-size:20px;margin-bottom:16px}.contact-row{display:flex;gap:12px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--border-light);font-size:14px;color:var(--ink2)}.contact-row:last-child{border-bottom:none}.contact-lbl{font-family:'DM Mono',monospace;font-size:9px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted2);width:80px;flex-shrink:0;padding-top:2px}.sec-head{text-align:center;margin-bottom:64px}.sec-h2{font-size:clamp(2.1rem,4.5vw,3.5rem);margin-bottom:14px}.sec-p{font-size:15px;color:var(--muted);max-width:520px;margin:0 auto;line-height:1.78}@media(max-width:960px){.wrap,.wrap-sm{padding:0 20px}section{padding:72px 0}.foot-top{grid-template-columns:1fr 1fr;gap:36px}.nav-links{display:none}}@media(max-width:860px){.policy-layout{grid-template-columns:1fr;gap:0}.toc{display:none}.foot-top{grid-template-columns:1fr 1fr;gap:32px}.summary-grid{grid-template-columns:1fr}}