:root {
  --navy: #071b60;
  --blue: #0b46c5;
  --purple: #5b1782;
  --gold: #f3b51b;
  --ink: #18243d;
  --muted: #5e6b82;
  --line: #dce5f2;
  --soft: #f5f8fd;
  --white: #ffffff;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { background: var(--soft); color: var(--ink); font-family: Arial, Helvetica, sans-serif; margin: 0; }
a { color: var(--blue); }

.rgs-policy-header {
  align-items: center; background: #fff; border-bottom: 1px solid var(--line);
  box-shadow: 0 5px 25px rgba(7, 27, 96, .09); display: flex; justify-content: space-between;
  min-height: 78px; padding: 8px clamp(18px, 4vw, 68px); position: sticky; top: 0; z-index: 20;
}
.rgs-policy-brand { align-items: center; color: var(--navy); display: flex; gap: 12px; text-decoration: none; }
.rgs-policy-brand img { height: 60px; object-fit: contain; width: 60px; }
.rgs-policy-brand span { display: flex; flex-direction: column; }
.rgs-policy-brand strong { font-size: 15px; }
.rgs-policy-brand small { color: var(--muted); font-size: 11px; font-weight: 800; letter-spacing: .09em; margin-top: 4px; text-transform: uppercase; }
.rgs-policy-header nav { align-items: center; display: flex; gap: 3px; }
.rgs-policy-header nav a { border-radius: 8px; color: #34425a; font-size: 14px; font-weight: 800; padding: 11px 12px; text-decoration: none; }
.rgs-policy-header nav a:hover, .rgs-policy-header nav a:focus { background: #edf3ff; color: var(--blue); }
.rgs-policy-header nav .rgs-policy-signin { background: var(--navy); color: #fff; margin-left: 5px; }
.rgs-policy-menu-button { background: var(--navy); border: 0; border-radius: 8px; color: #fff; display: none; font-weight: 900; padding: 10px 14px; }

main { margin: 0 auto; max-width: 1500px; padding: clamp(20px, 4vw, 54px); }
.rgs-policy-hero {
  align-items: stretch; background: linear-gradient(135deg, var(--navy) 0%, #093aab 58%, var(--purple) 100%);
  border-radius: 24px; box-shadow: 0 24px 70px rgba(7, 27, 96, .24); color: #fff; display: grid;
  gap: 30px; grid-template-columns: minmax(0, 1fr) minmax(250px, 340px); overflow: hidden;
  padding: clamp(28px, 5vw, 64px); position: relative;
}
.rgs-policy-hero::after { background: radial-gradient(circle at 80% 15%, rgba(243,181,27,.34), transparent 30%); content: ""; inset: 0; pointer-events: none; position: absolute; }
.rgs-policy-hero > * { position: relative; z-index: 1; }
.rgs-policy-eyebrow { background: var(--gold); border-radius: 999px; color: var(--navy); display: inline-block; font-size: 11px; font-weight: 900; letter-spacing: .13em; padding: 8px 13px; }
.rgs-policy-hero h1 { color: #fff; font-size: clamp(34px, 5vw, 62px); letter-spacing: -.045em; line-height: 1.03; margin: 20px 0 14px; max-width: 920px; }
.rgs-policy-hero p { color: #eaf1ff; font-size: clamp(16px, 1.5vw, 20px); line-height: 1.65; margin: 0; max-width: 850px; }
.rgs-policy-actions { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 26px; }
.rgs-policy-actions a, .rgs-policy-actions button { background: rgba(255,255,255,.13); border: 1px solid rgba(255,255,255,.30); border-radius: 9px; color: #fff; cursor: pointer; font-size: 13px; font-weight: 900; padding: 11px 14px; text-decoration: none; }
.rgs-policy-actions a:hover, .rgs-policy-actions button:hover { background: #fff; color: var(--navy); }
.rgs-policy-hero aside { align-content: center; backdrop-filter: blur(10px); background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.25); border-radius: 18px; display: grid; gap: 3px; padding: 22px; }
.rgs-policy-hero aside span { color: #d9e5ff; font-size: 10px; font-weight: 900; letter-spacing: .10em; margin-top: 12px; text-transform: uppercase; }
.rgs-policy-hero aside span:first-child { margin-top: 0; }
.rgs-policy-hero aside strong { color: #fff; font-size: 14px; }

.rgs-policy-alert { align-items: flex-start; background: #fff8dc; border: 1px solid #efd267; border-left: 8px solid var(--gold); border-radius: 17px; display: flex; gap: 18px; margin: 26px 0; padding: 24px 26px; }
.rgs-policy-alert-icon { align-items: center; background: var(--navy); border-radius: 50%; color: #fff; display: flex; flex: 0 0 45px; font-size: 24px; font-weight: 900; height: 45px; justify-content: center; }
.rgs-policy-alert span { color: #785b00; font-size: 10px; font-weight: 900; letter-spacing: .11em; }
.rgs-policy-alert h2 { color: var(--navy); font-size: clamp(20px, 3vw, 29px); margin: 5px 0 8px; }
.rgs-policy-alert p { line-height: 1.65; margin: 0; }

.rgs-policy-layout { align-items: start; display: grid; gap: 26px; grid-template-columns: 275px minmax(0, 1fr); }
.rgs-policy-toc { background: #fff; border: 1px solid var(--line); border-radius: 17px; box-shadow: 0 10px 32px rgba(7,27,96,.07); padding: 20px; position: sticky; top: 100px; }
.rgs-policy-toc h2 { color: var(--navy); font-size: 18px; margin: 0 0 12px; }
.rgs-policy-toc nav { display: flex; flex-direction: column; gap: 2px; }
.rgs-policy-toc a { border-radius: 7px; color: #4b5a72; font-size: 12px; font-weight: 700; line-height: 1.3; padding: 8px 9px; text-decoration: none; }
.rgs-policy-toc a:hover, .rgs-policy-toc a:focus { background: #eef4ff; color: var(--blue); }

.rgs-policy-content { display: flex; flex-direction: column; gap: 20px; }
.rgs-policy-content > section { background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: 0 10px 32px rgba(7,27,96,.06); padding: clamp(22px, 4vw, 40px); scroll-margin-top: 100px; }
.rgs-policy-number { color: var(--purple); display: block; font-size: 12px; font-weight: 900; letter-spacing: .15em; margin-bottom: 7px; }
.rgs-policy-content h2 { color: var(--navy); font-size: clamp(25px, 3.2vw, 38px); letter-spacing: -.025em; line-height: 1.1; margin: 0 0 16px; }
.rgs-policy-content h3 { color: #173b82; font-size: 17px; margin: 24px 0 8px; }
.rgs-policy-content p, .rgs-policy-content li { color: #48566d; font-size: 15px; line-height: 1.7; }
.rgs-policy-content ul, .rgs-policy-content ol { padding-left: 24px; }
.rgs-policy-content li { margin: 6px 0; padding-left: 4px; }
.rgs-policy-grid { display: grid; gap: 16px; grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 20px; }
.rgs-policy-grid > div { background: var(--soft); border: 1px solid var(--line); border-radius: 13px; padding: 18px; }
.rgs-policy-grid h3 { margin-top: 0; }
.rgs-policy-consequence { background: #fff8dc; border: 1px solid #efd267; border-left: 7px solid var(--gold); border-radius: 13px; margin-top: 24px; padding: 18px 20px; }
.rgs-policy-consequence h3 { color: var(--navy); margin-top: 0; }
.rgs-policy-contact { display: grid; gap: 12px; grid-template-columns: repeat(3, minmax(0, 1fr)); margin: 22px 0; }
.rgs-policy-contact div { background: #eef4ff; border-radius: 12px; display: flex; flex-direction: column; padding: 16px; }
.rgs-policy-contact span { color: #63728a; font-size: 10px; font-weight: 900; letter-spacing: .1em; margin-bottom: 6px; text-transform: uppercase; }
.rgs-policy-contact a { font-size: 14px; font-weight: 900; text-decoration: none; }
.rgs-policy-final { background: linear-gradient(135deg, var(--navy), var(--purple)); border-radius: 15px; color: #fff; margin-top: 24px; padding: 24px; }
.rgs-policy-final h3, .rgs-policy-final p { color: #fff; margin-top: 0; }
.rgs-policy-final a { background: var(--gold); border-radius: 8px; color: var(--navy); display: inline-block; font-size: 14px; font-weight: 900; padding: 11px 15px; text-decoration: none; }

footer { align-items: center; background: var(--navy); color: #dfe9ff; display: flex; flex-wrap: wrap; gap: 18px; justify-content: space-between; margin-top: 40px; padding: 28px clamp(20px, 5vw, 70px); }
footer img { height: 60px; object-fit: contain; width: 60px; }
footer p { font-size: 13px; line-height: 1.6; margin: 0; }
footer a { color: #fff; font-weight: 800; }

@media (max-width: 1050px) {
  .rgs-policy-menu-button { display: block; }
  .rgs-policy-header nav { align-items: stretch; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: 0 18px 45px rgba(7,27,96,.17); display: none; flex-direction: column; padding: 10px; position: absolute; right: 18px; top: 70px; width: 220px; }
  .rgs-policy-header nav.is-open { display: flex; }
  .rgs-policy-header nav .rgs-policy-signin { margin-left: 0; }
}
@media (max-width: 850px) {
  .rgs-policy-hero { grid-template-columns: 1fr; }
  .rgs-policy-layout { grid-template-columns: 1fr; }
  .rgs-policy-toc { position: static; }
  .rgs-policy-toc nav { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .rgs-policy-contact { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .rgs-policy-brand span { display: none; }
  main { padding: 14px; }
  .rgs-policy-hero { border-radius: 16px; padding: 28px 20px; }
  .rgs-policy-alert { padding: 18px; }
  .rgs-policy-alert-icon { display: none; }
  .rgs-policy-toc nav, .rgs-policy-grid { grid-template-columns: 1fr; }
  footer { align-items: flex-start; flex-direction: column; }
}

@media print {
  .rgs-policy-header, .rgs-policy-actions, .rgs-policy-toc, footer { display: none !important; }
  body, main { background: #fff; margin: 0; padding: 0; }
  .rgs-policy-hero { background: #fff; border: 2px solid #000; box-shadow: none; color: #000; grid-template-columns: 1fr; }
  .rgs-policy-hero h1, .rgs-policy-hero p, .rgs-policy-hero aside strong { color: #000; }
  .rgs-policy-hero aside { border-color: #777; }
  .rgs-policy-alert, .rgs-policy-content > section { box-shadow: none; break-inside: avoid; }
  .rgs-policy-layout { display: block; }
}