/* Policy pages — clean, readable, NJN-branded */
:root {
  --navy: #003070;
  --navy-dark: #002558;
  --orange: #F05000;
  --sky: #2070C0;
  --gold: #D09030;
  --cream: #F8F4EC;
  --ink: #001434;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
header.policy-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 1.25rem 0;
}
.container {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
header.policy-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
header.policy-header img { height: 44px; width: auto; border-radius: 6px; background: #fff; padding: 4px; }
header.policy-header a { color: #fff; text-decoration: none; font-weight: 500; }
header.policy-header a:hover { color: #ffb98a; }
main { padding: 3rem 0 4rem; }
.kicker {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--orange);
  margin: 0 0 0.5rem;
}
h1 {
  font-family: 'Fraunces', 'Georgia', serif;
  font-size: 2.5rem;
  line-height: 1.15;
  color: var(--navy);
  margin: 0 0 0.5rem;
}
.effective {
  font-size: 0.9rem;
  color: #4a5b78;
  margin-bottom: 2rem;
}
h2 {
  font-family: 'Fraunces', 'Georgia', serif;
  font-size: 1.45rem;
  color: var(--navy);
  margin: 2.25rem 0 0.75rem;
  line-height: 1.25;
}
h3 { color: var(--navy); font-size: 1.1rem; margin: 1.5rem 0 0.5rem; }
p { margin: 0.75rem 0; }
ul, ol { padding-left: 1.5rem; }
li { margin-bottom: 0.4rem; }
strong { color: var(--navy); }
a { color: var(--navy); }
.contact-block {
  margin-top: 3rem;
  padding: 1.5rem;
  background: #fff;
  border: 1px solid #d9dee9;
  border-left: 6px solid var(--orange);
  border-radius: 12px;
}
.contact-block p { margin: 0.35rem 0; }
footer.policy-footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.72);
  text-align: center;
  padding: 2rem 1rem;
  font-size: 0.85rem;
}
footer.policy-footer a { color: #ffb98a; text-decoration: none; margin: 0 0.5rem; }
footer.policy-footer a:hover { text-decoration: underline; }
@media (max-width: 540px) {
  h1 { font-size: 2rem; }
  main { padding: 2rem 0 3rem; }
}