/* ── Hero ── */
    .policies-hero {
        background: var(--dc-cream, #fbfbfd);
        border-bottom: 1px solid var(--dc-border, #ecebf1);
        padding: 56px 0 48px;
        text-align: center;
        position: relative;
        overflow: hidden;
    }
    .policies-hero::before {
        content: '';
        position: absolute;
        inset: 0;
        background-image: radial-gradient(circle at 30% 50%, rgba(22,20,38,0.07) 0%, transparent 55%);
        pointer-events: none;
    }
    .policies-hero-eyebrow {
        font-size: 0.68rem;
        letter-spacing: 0.26em;
        text-transform: uppercase;
        color: var(--dc-crimson, #c97864);
        margin-bottom: 8px;
        display: block;
        position: relative;
    }
    .policies-hero h1 {
        font-family: 'Playfair Display', Georgia, serif;
        font-size: clamp(1.5rem, 3.5vw, 2.2rem);
        font-weight: 600;
        color: var(--dc-dark, #1C1C1C);
        margin: 0;
        position: relative;
        text-transform: uppercase;
        letter-spacing: 0.04em;
    }
    .policies-hero-divider {
        display: inline-flex;
        align-items: center;
        gap: 10px;
        margin-top: 14px;
        position: relative;
    }
    .policies-hero-divider::before,
    .policies-hero-divider::after {
        content: '';
        display: block;
        width: 40px; height: 1px;
        background: var(--dc-amber, #161426);
        opacity: 0.5;
    }
    .policies-hero-diamond {
        width: 5px; height: 5px;
        background: var(--dc-crimson, #c97864);
        transform: rotate(45deg);
        border-radius: 1px;
    }

    /* ── Wrap ── */
    .policies-wrap {
        background: #fff;
        padding: 56px 0 80px;
    }

    /* ── Tab nav ── */
    .policies-tab-nav {
        display: flex;
        flex-wrap: wrap;
        gap: 6px;
        margin-bottom: 36px;
        border-bottom: 2px solid var(--dc-border, #ecebf1);
        padding-bottom: 0;
    }
    .policies-tab-btn {
        background: none;
        border: none;
        border-bottom: 2px solid transparent;
        margin-bottom: -2px;
        padding: 10px 18px;
        font-size: 0.82rem;
        letter-spacing: 0.1em;
        text-transform: uppercase;
        color: var(--dc-muted, #6e6c80);
        cursor: pointer;
        transition: color .2s, border-color .2s;
        white-space: nowrap;
    }
    .policies-tab-btn:hover {
        color: var(--dc-dark, #1C1C1C);
    }
    .policies-tab-btn.active {
        color: var(--dc-crimson, #c97864);
        border-bottom-color: var(--dc-crimson, #c97864);
        font-weight: 600;
    }

    /* ── Panel ── */
    .policy-panel { display: none; }
    .policy-panel.active { display: block; }

    .policy-card {
        background: var(--dc-cream, #fbfbfd);
        border: 1px solid var(--dc-border, #ecebf1);
        border-radius: 4px;
        padding: 44px 52px;
        line-height: 1.9;
        color: var(--dc-muted, #6e6c80);
        font-size: 0.92rem;
    }
    .policy-card h2 {
        font-family: 'Playfair Display', Georgia, serif;
        font-size: 1.35rem;
        font-weight: 600;
        color: var(--dc-dark, #1C1C1C);
        text-transform: uppercase;
        letter-spacing: 0.05em;
        margin-bottom: 20px;
    }
    .policy-card h3 {
        font-family: 'Playfair Display', Georgia, serif;
        font-size: 1rem;
        font-weight: 600;
        color: var(--dc-dark, #1C1C1C);
        margin-top: 28px;
        margin-bottom: 8px;
    }
    .policy-card h4 {
        font-family: 'Playfair Display', Georgia, serif;
        color: var(--dc-dark, #1C1C1C);
        margin-top: 18px;
        margin-bottom: 6px;
    }
    .policy-card p { margin-bottom: 1rem; }
    .policy-card ul, .policy-card ol {
        padding-left: 1.4rem;
        margin-bottom: 1rem;
    }
    .policy-card ul li, .policy-card ol li {
        margin-bottom: 4px;
    }
    .policy-card strong {
        color: var(--dc-dark, #1C1C1C);
        font-weight: 600;
    }

    /* ── Sidebar shortcuts ── */
    .policies-sidebar {
        position: sticky;
        top: 80px;
    }
    .policies-sidebar-title {
        font-size: 0.7rem;
        letter-spacing: 0.2em;
        text-transform: uppercase;
        color: var(--dc-crimson, #c97864);
        margin-bottom: 12px;
        display: block;
    }
    .policies-sidebar-list {
        list-style: none;
        padding: 0;
        margin: 0;
        border-left: 2px solid var(--dc-border, #ecebf1);
    }
    .policies-sidebar-list li a {
        display: block;
        padding: 8px 14px;
        font-size: 0.84rem;
        color: var(--dc-muted, #6e6c80);
        text-decoration: none;
        border-left: 2px solid transparent;
        margin-left: -2px;
        transition: color .2s, border-color .2s;
    }
    .policies-sidebar-list li a:hover,
    .policies-sidebar-list li a.active {
        color: var(--dc-dark, #1C1C1C);
        border-left-color: var(--dc-crimson, #c97864);
    }

    @media (max-width: 991px) {
        .policies-sidebar { display: none; }
    }
    @media (max-width: 767px) {
        .policy-card { padding: 26px 20px; }
        .policies-tab-btn { padding: 8px 12px; font-size: 0.76rem; }
    }