.policies-page{background:0 0}.policies-section{padding-top:var(--page-hero-followup-gap);background:0 0;padding-bottom:110px}.policies-shell{-webkit-backdrop-filter:none;border:0;border-radius:0;max-width:1280px;margin:0 auto;padding:32px 0 0;overflow:visible;box-shadow:none!important;background:0 0!important}.policies-shell:after{display:none}.policies-intro{justify-content:space-between;align-items:end;gap:44px;margin-bottom:30px;display:flex}.policies-intro h2{color:var(--ink);font:400 clamp(31px,4vw,45px)/1.18 var(--serif);letter-spacing:-.035em;margin:0}.policies-intro>p{color:#647168;max-width:410px;margin:0;font-size:16px;line-height:1.8}.policy-quick-facts{border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:repeat(4,1fr);gap:0;margin-bottom:22px;display:grid}.policy-quick-facts>div{border:0;border-left:1px solid var(--line);font-family:var(--sans);letter-spacing:.14em;align-items:center;gap:10px;padding:17px 16px;font-size:12px;font-weight:800;line-height:1.35;display:flex;color:var(--soft)!important;background:0 0!important;border-radius:0!important}.policy-quick-facts>div:first-child{border-left:0}.policy-quick-facts svg{color:var(--forest)}.policy-accordion{gap:8px;display:grid}.policy-card{border-radius:var(--radius-sm);transition:border-color var(--duration-fast) var(--ease-out),background-color var(--duration-fast) var(--ease-out);position:relative;overflow:hidden;transform:none;border:1px solid var(--line)!important;box-shadow:none!important;background:#fffefa6b!important}.policy-card:before{content:"";opacity:0;transform-origin:50%;width:2px;transition:opacity var(--duration-fast) var(--ease-out),transform var(--duration-ui) var(--ease-out);border-radius:0 2px 2px 0;position:absolute;top:12px;bottom:12px;left:0;transform:scaleY(.55);background:var(--forest)!important}.policy-card[open]{border-color:var(--line-strong)!important;box-shadow:none!important;background:#fffefac2!important}.policy-card[open]:before{opacity:1;transform:scaleY(1)}.policy-question{width:100%;min-height:78px;color:inherit;cursor:pointer;transition:background-color var(--duration-fast) var(--ease-out),transform var(--duration-press) var(--ease-out);grid-template-columns:44px minmax(0,1fr) 36px;gap:16px;border-radius:0!important;align-items:center!important;padding:14px 17px!important;text-decoration:none!important;display:grid!important}.policy-question::-webkit-details-marker{display:none}.policy-question::marker{content:""}.policy-question:focus-visible{outline-offset:-3px;outline:3px solid #2d554a2e}.policy-question:active{transform:scale(.995)}.policy-toggle{border:1px solid var(--line);width:34px;height:34px;color:var(--forest-soft);transition:border-color var(--duration-fast) var(--ease-out),background-color var(--duration-fast) var(--ease-out),transform var(--duration-ui) var(--ease-drawer),color var(--duration-fast) var(--ease-out);background:0 0;border-radius:50%;position:relative}.policy-toggle:before{content:"";border-bottom:1.8px solid;border-right:1.8px solid;width:8px;height:8px;position:absolute;top:12px;left:11px;transform:rotate(45deg)}.policy-card[open] .policy-toggle{border-color:var(--line-strong);background:var(--surface-muted);color:var(--forest);transform:rotate(180deg)}.policy-number{color:var(--accent);font:800 12px/1.35 var(--sans);font-variant-numeric:tabular-nums;letter-spacing:.14em;text-align:center;width:auto!important;height:auto!important;box-shadow:none!important;background:0 0!important;border:0!important;border-radius:0!important;display:block!important}.policy-question-copy{text-align:left;gap:5px;display:grid}.policy-question-copy small{color:var(--soft);font-family:var(--sans);letter-spacing:.14em;font-size:12px;font-weight:800;line-height:1.35}.policy-question-copy strong{color:var(--ink);font:400 22px/1.42 var(--serif)}.policy-answer{opacity:0;transition:grid-template-rows var(--duration-ui) var(--ease-drawer),opacity var(--duration-fast) var(--ease-out);grid-template-rows:0fr;padding:0 62px 0 77px!important;display:grid!important}.policy-card[open]>.policy-answer{opacity:1;grid-template-rows:1fr}.policy-answer-inner{color:#526159;min-height:0;transition:padding-top var(--duration-ui) var(--ease-drawer),padding-bottom var(--duration-ui) var(--ease-drawer),border-color var(--duration-fast) var(--ease-out);border-top:1px solid #0000;padding-top:0;font-size:16px;line-height:1.9;overflow:hidden}.policy-card[open] .policy-answer-inner{border-color:var(--line);padding-top:19px;padding-bottom:27px}.policy-answer p{margin:0 0 11px}.policy-answer ul{gap:9px;margin:10px 0 0;padding:0;list-style:none;display:grid}.policy-answer li{padding-left:21px;position:relative}.policy-answer li:before{content:"";background:var(--forest);border-radius:50%;width:6px;height:6px;position:absolute;top:.75em;left:1px}.policy-note{border-radius:var(--radius-sm);background:var(--surface-muted);color:var(--ink);padding:13px 16px;margin-top:13px!important}.policy-answer-link{color:var(--forest);transition:border-color var(--duration-fast) ease,color var(--duration-fast) ease;border-bottom:1px solid #2d554a52;margin-top:5px;padding-bottom:2px;font-weight:800;line-height:1.55;display:inline-flex}.policy-answer-link:focus-visible{outline-offset:4px;border-radius:2px;outline:3px solid #2d554a2e}.policy-reading-groups{border-top:1px solid var(--line);margin-top:21px}.policy-answer-inner--reading-only .policy-reading-groups{border-top:0;margin-top:0}.policy-answer-inner--reading-only .policy-reading-groups section:first-child{padding-top:0}.policy-reading-groups section{border-bottom:1px solid var(--line);grid-template-columns:minmax(140px,180px) minmax(0,1fr);gap:26px;padding:19px 0;display:grid}.policy-reading-groups section>div{align-content:start;gap:4px;display:grid}.policy-reading-groups span{color:var(--soft);font-size:13px;font-weight:700;line-height:1.6}.policy-reading-groups strong{color:var(--ink);font:400 20px/1.45 var(--serif)}.policy-reading-groups p{color:#526159;line-height:1.9;margin:0!important}@media (hover:hover) and (pointer:fine){.policy-card:hover{border-color:var(--line-strong)!important;box-shadow:none!important;background:#fffefaad!important;transform:none!important}.policy-card:hover .policy-toggle{border-color:var(--forest);background:var(--forest);color:#fff}.policy-answer-link:hover{border-color:var(--accent);color:var(--accent)}}@media (hover:none){.policy-card:hover{border-color:var(--line)!important;box-shadow:none!important;background:#fffefa6b!important;transform:none!important}.policy-card[open]:hover{border-color:var(--line-strong)!important;box-shadow:none!important;background:#fffefac2!important}}@media (max-width:820px){.policies-intro{gap:14px;display:grid}.policy-quick-facts{grid-template-columns:repeat(2,1fr)}.policy-quick-facts>div:nth-child(3){border-left:0;border-top:1px solid var(--line)}.policy-quick-facts>div:nth-child(4){border-top:1px solid var(--line)}.policy-answer{padding-left:77px!important;padding-right:24px!important}}@media (max-width:520px){.policies-section{padding-top:var(--page-hero-followup-gap);padding-bottom:78px}.policies-shell{padding-top:var(--page-hero-followup-inner)}.policy-accordion{gap:7px}.policy-quick-facts{grid-template-columns:1fr 1fr}.policy-quick-facts>div{padding:13px 9px;font-size:12px}.policy-question{grid-template-columns:34px minmax(0,1fr) 34px;gap:10px;min-height:74px;padding:13px 12px!important}.policy-question-copy strong{font-size:18px;line-height:1.48}.policy-answer{padding:0 14px 0 56px!important}.policy-card[open] .policy-answer-inner{padding-top:16px;padding-bottom:22px}.policy-reading-groups section{grid-template-columns:1fr;gap:8px;padding:17px 0}.policy-reading-groups section>div{align-items:baseline;gap:10px;display:flex}.policy-reading-groups strong{font-size:18px}}@media (prefers-reduced-motion:reduce){.policy-card,.policy-card:before,.policy-question,.policy-toggle,.policy-answer,.policy-answer-inner{transition:none}}