.policy-section{
      --bg: #fffdf9;
      --card-bg: #ffffff;
      --ink: #1d243a;
      --muted: #5a5f73;
      --accent: #C49B6C; 
      --accent-2: #B38A5C;
      --ring: #efe5d7;
      --shadow: 0 10px 30px rgba(15,23,42,.08);
      --ornament: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="140" height="12" viewBox="0 0 140 12"><path d="M0 6h50c6 0 10-6 20-6s14 6 20 6h50" fill="none" stroke="%23C49B6C" stroke-width="2" stroke-linecap="round"/></svg>');
    }
    .policy-section.theme-winter{
      --bg:#fbfdff;
      --card-bg:#ffffff;
      --ink:#0f2038;
      --muted:#51607a;
      --accent:#2d6cdf;
      --accent-2:#7aa2f7;
      --ring:#e6efff;
      --shadow:0 10px 30px rgba(12, 37, 84, .10);
      --ornament: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="140" height="12" viewBox="0 0 140 12"><path d="M0 6h50c6 0 10-6 20-6s14 6 20 6h50" fill="none" stroke="%232d6cdf" stroke-width="2" stroke-linecap="round"/></svg>');
    }
  
    .policy-section{
      background: var(--bg);
      color: var(--ink);
      padding: 40px 20px 70px;
    }
    .policy-wrap{
      max-width: 980px;
      margin: 0 auto;
    }
    .policy-header{
      text-align:center;
      margin-bottom: 28px;
    }
    .policy-eyebrow{
      display:inline-flex; gap:10px; align-items:center;
      color: var(--muted); font-weight:600; font-size:14px;
      letter-spacing:.06em; text-transform:uppercase;
    }
    .policy-title{
      font-size: clamp(22px, 3vw, 34px);
      margin: 8px 0 6px; font-weight:800;
    }
    .policy-orn{
      width:140px; height:12px; margin: 10px auto 0;
      background-image: var(--ornament);
      background-repeat:no-repeat; background-position:center;
    }
  
    .policy-card{
      position:relative;
      background: var(--card-bg);
      border:1px solid var(--ring);
      border-radius: 16px;
      box-shadow: var(--shadow);
      padding: 24px;
      overflow:hidden;
    }
    .policy-card::before{
      content:"";
      position:absolute; inset:auto -60px -60px auto;
      width:180px; height:180px; border-radius:50%;
      background: radial-gradient(closest-side, rgba(196,155,108,.12), transparent 70%);
      pointer-events:none;
    }
    .policy-ribbon{
      position:absolute; top:16px; left:-14px;
      background: linear-gradient(90deg, var(--accent), var(--accent-2));
      color:#fff; font-weight:700; font-size:12px;
      padding:6px 14px 6px 20px; border-radius: 0 12px 12px 0;
      box-shadow: 0 6px 16px rgba(0,0,0,.08);
    }
    .policy-grid{
      display:grid; gap:18px;
    }
    @media (min-width: 720px){
      .policy-grid{ grid-template-columns: 1fr 1fr; gap:22px; }
    }
  
    .policy-block{
      border:1px dashed var(--ring);
      border-radius: 12px;
      padding:16px 16px 14px;
      background: linear-gradient(180deg, #fff, rgba(255,255,255,.85));
    }
    .policy-block h3{
      margin:0 0 10px;
      font-size: 16px; font-weight:800; letter-spacing:.02em;
      display:flex; align-items:center; gap:10px;
    }
    .policy-underline{
      height:2px; width:72px; background: linear-gradient(90deg, var(--accent), var(--accent-2));
      border-radius:999px; margin: 6px 0 8px;
    }
    .policy-block p,
    .policy-block li{
      color: var(--ink);
      font-size: 15px; line-height:1.55;
    }
    .policy-block .muted{ color: var(--muted); font-weight:600; }
    .policy-list{ margin:8px 0 0; padding-left:18px; }
    .policy-list li{ margin:6px 0; }
    .policy-bullet{
      list-style:none; padding-left:0; margin:8px 0 0;
    }
    .policy-bullet li{
      display:flex; gap:10px; align-items:flex-start;
      margin:6px 0; 
    }
    .policy-bullet li .dot{
      flex:0 0 22px; height:22px; border-radius:999px;
      display:grid; place-items:center; font-size:13px;
      background:#f8f4ef; border:1px solid var(--ring);
    }
  
    .policy-footnote{
      margin-top:18px; text-align:center;
      color: var(--muted); font-size:14px; font-weight:600;
    }