.policy-page{background:var(--gray-50);padding-top:68px}.refund-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}.rsc{padding:24px 22px;background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--r-xl);text-align:center;transition:var(--t)}.rsc:hover{box-shadow:var(--sh-md)}.rsc.green{border-color:#BBF7D0;background:var(--green-bg)}.rsc.amber{border-color:#FDE68A;background:var(--amber-bg)}.rsc.blue{border-color:var(--blue-100);background:var(--blue-50)}.rsc-ico{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}.rsc-ico-g{background:var(--green-bg);color:var(--green);border:2px solid #A7F3D0}.rsc-ico-a{background:var(--amber-bg);color:var(--amber);border:2px solid #FDE68A}.rsc-ico-b{background:var(--blue-50);color:var(--blue-600);border:2px solid var(--blue-200)}.rsc-title{font-size:1rem;font-weight:var(--fw-black);color:var(--gray-900);margin-bottom:8px}.rsc-text{font-size:.84rem;color:var(--gray-600);line-height:1.7}.policy-layout{display:grid;grid-template-columns:220px 1fr;gap:36px;align-items:start;padding:52px 0 80px}.policy-toc{background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--r-xl);padding:18px;position:sticky;top:88px}.policy-toc-title{font-size:.72rem;font-weight:var(--fw-black);letter-spacing:.08em;text-transform:uppercase;color:var(--gray-500);margin-bottom:12px;padding-bottom:10px;border-bottom:1px solid var(--gray-100)}.policy-toc-links{list-style:none}.policy-toc-links a{display:block;font-size:.84rem;font-weight:var(--fw-medium);color:var(--gray-600);padding:7px 10px;border-radius:var(--r-sm);transition:var(--t)}.policy-toc-links a:hover{background:var(--blue-50);color:var(--blue-600)}.policy-toc-links a.active{background:var(--blue-50);color:var(--blue-600);font-weight:var(--fw-black)}.policy-section{background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--r-xl);padding:36px 40px;margin-bottom:16px}.policy-section-title{font-size:1.05rem;font-weight:var(--fw-black);color:var(--gray-900);margin-bottom:16px;display:flex;align-items:center;gap:10px}.policy-section-title::before{content:'';flex-shrink:0;width:4px;height:20px;background:var(--blue-600);border-radius:2px}.policy-section-body{font-size:.92rem;color:var(--gray-700);line-height:1.85}.policy-section-body p{margin-bottom:14px}.policy-section-body ul{list-style:none;display:flex;flex-direction:column;gap:8px;margin-bottom:14px}.policy-section-body ul li{display:flex;align-items:flex-start;gap:9px}.policy-section-body ul li::before{content:'';flex-shrink:0;margin-top:4px;width:16px;height:16px;border-radius:50%;background:var(--blue-50) url("data:image/svg+xml,%3Csvg width='8' height='6' fill='none' stroke='%231756E8' stroke-width='2.5' viewBox='0 0 24 24'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") no-repeat center;border:1px solid var(--blue-100)}.policy-updated{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;color:var(--gray-500);font-weight:var(--fw-medium);margin-top:12px}.policy-updated svg{color:var(--green)}@media(max-width:768px){.policy-layout{grid-template-columns:1fr}.policy-toc{position:static}.refund-summary{grid-template-columns:1fr}.policy-section{padding:24px 20px}}