.policy-hero{background:linear-gradient(rgba(0,0,130,.9),rgba(0,0,130,.8)),url(/assets/img/disclaimer-bg.jpg) 50%/cover no-repeat;color:white;padding:8rem 0 6rem;text-align:center;position:relative}.policy-hero h1{font-family:Cormorant Garamond,serif;font-weight:700;font-size:3.5rem;margin-bottom:1rem}.policy-hero p{font-size:1.2rem;max-width:700px;margin:0 auto}.policy-card{background:var(--surface-card);border:1px solid var(--border-light);border-radius:.5rem;padding:3rem;box-shadow:0 5px 30px rgba(0,0,0,.1)}.content-block{padding-bottom:2rem;border-bottom:1px solid #e9ecef}.content-block:last-of-type{border-bottom:none;padding-bottom:0}.section-heading{font-family:Cormorant Garamond,serif;font-weight:600;color:#E5E7EB;margin-bottom:1.5rem;font-size:1.75rem}.risk-categories{display:flex;flex-direction:column;gap:1rem;margin-top:1.5rem}.risk-item{background:rgba(220,53,69,.05);border-left:4px solid #dc3545}.advisory-note,.risk-item{padding:1rem;border-radius:0 .25rem .25rem 0}.advisory-note{background:rgba(0,0,130,.05);border-left:4px solid #e5e7eb;margin-top:1.5rem}.regulatory-list{list-style:none;padding:0;margin:1rem 0 0}.regulatory-list li{padding:.75rem 0;border-bottom:1px dashed #e9ecef}.regulatory-list li:last-child{border-bottom:none}.liability-list{margin-top:1rem;padding-left:1.5rem}.liability-list li{margin-bottom:.5rem}.alert-warning{background:rgba(255,193,7,.1);border:none;border-left:4px solid #ffc107;border-radius:.5rem}.policy-cta{background:linear-gradient(135deg,#000858,#1a237e)}@media (max-width:768px){.policy-hero h1{font-size:2.5rem}.policy-card{padding:2rem 1.5rem}.alert-warning .d-flex{flex-direction:column;text-align:center}.alert-warning i{margin-bottom:1rem;margin-right:0!important}}