.ptm-policies-page{background:var(--ptm-bg-alt)}.ptm-policies-hero{background:linear-gradient(135deg,var(--ptm-navy) 0%,var(--ptm-navy-light) 100%);padding:3.5rem 1.5rem 3.75rem;text-align:center;position:relative;overflow:hidden}.ptm-policies-hero::before{content:"";position:absolute;top:-45%;right:-6%;width:460px;height:460px;background:radial-gradient(circle,rgb(0 168 150 / .1) 0%,transparent 70%);border-radius:50%;pointer-events:none}.ptm-policies-hero__inner{max-width:680px;margin-inline:auto;position:relative;z-index:1}.ptm-policies-crumb{font-size:.8rem;font-weight:500;letter-spacing:.02em;color:rgb(255 255 255 / .5);margin-bottom:1.1rem}.ptm-policies-crumb a{color:rgb(255 255 255 / .72);text-decoration:none;transition:color 0.15s ease}.ptm-policies-crumb a:hover{color:var(--ptm-teal)}.ptm-policies-crumb span{margin:0 .5rem;color:rgb(255 255 255 / .3)}.ptm-policies-hero h1{color:#fff;margin:0 0 .75rem}.ptm-policies-hero p{font-size:1.05rem;color:rgb(255 255 255 / .72);line-height:1.6;font-weight:300;max-width:540px;margin:0 auto}.ptm-policies-wrap{max-width:960px;margin-inline:auto;padding:3.25rem 1.5rem 2rem}.ptm-policies-group{margin-bottom:2.5rem}.ptm-policies-group:last-child{margin-bottom:0}.ptm-policies-grouplabel{display:flex;align-items:center;gap:1rem;margin-bottom:1.4rem}.ptm-policies-grouplabel h2{font-size:1.35rem;white-space:nowrap;margin:0}.ptm-policies-line{flex:1;height:1px;background:var(--ptm-line)}.ptm-policies-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.15rem}.ptm-policy-card{background:var(--ptm-bg);border:1px solid var(--ptm-line);border-radius:var(--ptm-radius);padding:1.5rem 1.5rem 1.35rem;text-decoration:none;display:flex;flex-direction:column;position:relative;overflow:hidden;box-shadow:var(--ptm-shadow-sm);transition:transform 0.18s ease,box-shadow 0.18s ease,border-color 0.18s ease}.ptm-policy-card::before{content:"";position:absolute;top:0;left:0;width:100%;height:3px;background:var(--ptm-teal);transform:scaleX(0);transform-origin:left;transition:transform 0.25s ease}.ptm-policy-card:hover{transform:translateY(-4px);box-shadow:var(--ptm-shadow-md);border-color:rgb(0 168 150 / .35)}.ptm-policy-card:hover::before{transform:scaleX(1)}.ptm-policy-card:focus-visible{outline:2px solid var(--ptm-teal);outline-offset:2px}.ptm-policy-icon{width:46px;height:46px;border-radius:11px;background:rgb(0 168 150 / .1);color:var(--ptm-teal);display:flex;align-items:center;justify-content:center;margin-bottom:1rem;flex-shrink:0;transition:background 0.18s ease}.ptm-policy-icon svg{width:23px;height:23px}.ptm-policy-card:hover .ptm-policy-icon{background:rgb(0 168 150 / .18)}.ptm-policy-card h3{font-family:var(--ptm-font-body);font-size:1.02rem;font-weight:600;color:var(--ptm-navy);line-height:1.3;margin:0 0 .4rem}.ptm-policy-card p{font-size:.86rem;color:var(--ptm-muted);line-height:1.6;margin:0 0 1.1rem;flex:1}.ptm-policy-link{display:inline-flex;align-items:center;gap:.35rem;font-size:.82rem;font-weight:600;color:var(--ptm-teal-dark);transition:gap 0.18s ease}.ptm-policy-card:hover .ptm-policy-link{gap:.6rem}.ptm-policies-help{max-width:960px;margin:.75rem auto 3.5rem;padding-inline:1.5rem}.ptm-policies-help__inner{background:var(--ptm-bg);border:1px solid var(--ptm-line);border-left:4px solid var(--ptm-teal);border-radius:var(--ptm-radius);padding:1.6rem 1.9rem;display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap;box-shadow:var(--ptm-shadow-sm)}.ptm-policies-help__icon{color:var(--ptm-teal);flex-shrink:0;display:flex}.ptm-policies-help__icon svg{width:30px;height:30px}.ptm-policies-help__text{flex:1;min-width:240px}.ptm-policies-help__text h4{font-family:var(--ptm-font-body);font-size:1.05rem;font-weight:600;color:var(--ptm-navy);margin:0 0 .3rem}.ptm-policies-help__text p{font-size:.9rem;color:var(--ptm-muted);line-height:1.6;margin:0}.ptm-policies-help .ptm-btn{white-space:nowrap}.ptm-policies-page .ptm-policies-note{text-align:center;font-size:.8rem;color:var(--ptm-muted);max-width:640px;margin:0 auto;padding:0 1.5rem 3rem;line-height:1.6}@media (max-width:640px){.ptm-policies-grid{grid-template-columns:1fr}.ptm-policies-help__inner{flex-direction:column;align-items:flex-start}}@media (prefers-reduced-motion:reduce){.ptm-policy-card,.ptm-policy-card::before,.ptm-policy-icon,.ptm-policy-link{transition:none}.ptm-policy-card:hover{transform:none}}