/* ---- hero ---- */
.fhero {
    padding: 64px 0 44px;
    text-align: center;
}

.fhero h1 {
    font-size: clamp(2rem, 3.6vw, 2.8rem);
    font-weight: 600;
    line-height: 1.15;
    max-width: 760px;
    margin: 16px auto 14px;
}

.fhero p {
    max-width: 600px;
    margin: 0 auto;
    color: var(--ink-soft);
    font-size: 16px;
}

.fhero .effective {
    display: inline-block;
    margin-top: 18px;
    font-size: 13px;
    font-weight: 600;
    color: var(--maroon-deep);
    background: var(--bg-alt);
    border: 1px solid var(--line);
    border-radius: 100px;
    padding: 8px 18px;
}

.skyline {
    width: 100%;
    display: block;
    height: 56px;
}

/* ---- policy layout ---- */
.policy-main {
    padding: 70px 0 100px;
    background: var(--bg-alt);
}

.policy-layout {
    display: grid;
    grid-template-columns: 270px 1fr;
    gap: 48px;
    align-items: start;
}

.toc {
    position: sticky;
    top: 100px;
    background: var(--bg);
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 26px 22px;
}

.toc-title {
    font-family: 'Fraunces', serif;
    font-size: 13px;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: .08em;
    text-transform: uppercase;
    margin-bottom: 14px;
}

.toc ol {
    list-style: none;
    margin: 0;
    padding: 0;
    counter-reset: toc;
    display: flex;
    flex-direction: column;
    gap: 2px;
    max-height: 66vh;
    overflow-y: auto;
}

.toc li {
    counter-increment: toc;
}

.toc a {
    display: flex;
    gap: 10px;
    font-size: 13.5px;
    color: var(--ink-soft);
    padding: 8px 10px;
    border-radius: 10px;
    transition: background .2s ease, color .2s ease;
    line-height: 1.4;
}

.toc a::before {
    content: counter(toc, decimal-leading-zero);
    font-family: 'Fraunces', serif;
    font-weight: 700;
    color: var(--gold);
    flex-shrink: 0;
}

.toc a:hover {
    background: var(--bg-alt);
    color: var(--ink);
}

.toc a.active {
    background: var(--maroon-deep);
    color: #F7E9C9;
}

.toc a.active::before {
    color: var(--gold-light);
}

@media (max-width:960px) {
    .policy-layout {
        grid-template-columns: 1fr;
    }

    .toc {
        position: static;
        max-height: none;
    }

    .toc ol {
        max-height: none;
    }
}

.policy-content {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.intro-card {
    background: var(--maroon-deep);
    color: #F2E4CB;
    border-radius: 22px;
    padding: 28px 30px;
    margin-bottom: 20px;
    font-size: 15px;
    line-height: 1.7;
}

.intro-card p {
    margin: 0;
}

.intro-card strong {
    color: #F7E9C9;
}

.policy-section {
    background: var(--bg);
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 32px 34px;
    margin-bottom: 20px;
    scroll-margin-top: 100px;
}

.policy-section .num {
    font-family: 'Fraunces', serif;
    font-size: 13px;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: .08em;
}

.policy-section h2 {
    font-size: 21px;
    font-weight: 600;
    margin: 8px 0 16px;
}

.policy-section h3 {
    font-size: 15.5px;
    font-weight: 600;
    color: var(--ink);
    margin: 18px 0 8px;
}

.policy-section p {
    color: var(--ink-soft);
    font-size: 15px;
    margin: 0 0 12px;
    line-height: 1.7;
}

.policy-section p:last-child {
    margin-bottom: 0;
}

.policy-section ul {
    margin: 0 0 12px;
    padding-left: 20px;
    color: var(--ink-soft);
    font-size: 15px;
}

.policy-section ul:last-child {
    margin-bottom: 0;
}

.policy-section li {
    margin-bottom: 6px;
    line-height: 1.6;
}

.note-chip {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--bg-alt);
    border: 1px solid var(--line);
    border-radius: 100px;
    padding: 8px 16px;
    font-size: 13px;
    color: var(--ink-soft);
    margin-top: 8px;
}

.note-chip svg {
    width: 14px;
    height: 14px;
    color: var(--teal);
    flex-shrink: 0;
}

.warn-chip {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(193, 68, 14, 0.08);
    border: 1px solid rgba(193, 68, 14, 0.25);
    border-radius: 100px;
    padding: 8px 16px;
    font-size: 13px;
    color: var(--maroon-deep);
    margin-top: 8px;
}

.warn-chip svg {
    width: 14px;
    height: 14px;
    color: var(--vermilion);
    flex-shrink: 0;
}

.contact-block {
    background: var(--maroon-deep);
    color: #F2E4CB;
    border-radius: 20px;
    padding: 32px 34px;
}

.contact-block h2 {
    color: #F7E9C9;
    font-size: 21px;
    margin: 8px 0 12px;
}

.contact-block p {
    color: rgba(242, 228, 203, 0.78);
    font-size: 15px;
    margin: 0 0 16px;
}

.contact-rows {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.contact-rows div {
    display: flex;
    gap: 10px;
    align-items: center;
    font-size: 14.5px;
    color: rgba(242, 228, 203, 0.9);
}

.contact-rows svg {
    width: 16px;
    height: 16px;
    color: var(--gold-light);
    flex-shrink: 0;
}