.policy-layout{display:grid;grid-template-columns:215px minmax(0,1fr);gap:27px;align-items:start}.policy-index{position:sticky;top:20px;display:grid;gap:0;padding:18px;border:1px solid var(--pik-line);background:white;border-radius:17px}.policy-index strong{font-size:12px;margin:0 0 10px}.policy-index a{font-size:11px;color:#74695e;text-decoration:none;line-height:1.5;padding:9px 0;border-top:1px solid #f3ece5}.policy-index a:hover{color:var(--pik-red)}.policy-content{min-width:0}.policy-section{display:grid;grid-template-columns:40px minmax(0,1fr);gap:13px;padding:0 0 30px;margin:0 0 30px;border-bottom:1px solid var(--pik-line);scroll-margin-top:24px}.policy-number{width:36px;height:36px;background:#fff0ed;color:var(--pik-red);border-radius:50%;display:grid;place-items:center;font-weight:900;font-size:12px}.policy-section h2{font-size:21px;margin:2px 0 15px;letter-spacing:-.02em}.policy-section h3{font-size:14px;margin:20px 0 5px}.policy-section p,.policy-section li{font-size:13px;color:#6e655d;line-height:2}.policy-section p{margin:9px 0}.policy-section ul{padding-left:20px}.discount-tiers{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:17px 0}.discount-tiers div{border:1px solid #f1d7cf;background:#fff8f4;border-radius:15px;padding:17px;display:grid;gap:8px}.discount-tiers span{font-size:12px;color:#766b61}.discount-tiers strong{font-size:27px;color:var(--pik-red)}.policy-example,.policy-warning{background:#fff9ee;border:1px solid #f2e4c9;border-radius:13px;padding:15px 17px}.policy-warning h3{margin-top:0;color:#b42a24}.policy-warning li{font-size:12px}.policy-cta{display:flex;justify-content:space-between;align-items:center;text-decoration:none;background:var(--pik-red);color:white;border-radius:999px;padding:13px 18px;margin:18px 0 0;font-size:12px;font-weight:800;max-width:300px}.policy-contact{display:flex;align-items:center;justify-content:space-between;gap:20px;background:#fff8ef;border:1px solid var(--pik-line);padding:21px;border-radius:17px}.policy-contact strong{font-size:14px}.policy-contact p{font-size:11px;color:var(--pik-muted);line-height:1.8;margin:5px 0}.policy-contact a{color:var(--pik-red);text-decoration:none;font-size:12px;font-weight:700;white-space:nowrap}@media(max-width:780px){.policy-layout{grid-template-columns:1fr}.policy-index{position:static;grid-template-columns:1fr 1fr;gap:0}.policy-index strong{grid-column:1/-1}.policy-section{grid-template-columns:32px minmax(0,1fr);gap:10px}.policy-number{width:30px;height:30px}.policy-section h2{font-size:19px}.policy-section p,.policy-section li{font-size:12px}}@media(max-width:480px){.policy-index{grid-template-columns:1fr}.discount-tiers{grid-template-columns:1fr 1fr}.policy-contact{align-items:flex-start;flex-direction:column}}