.sm-page{background:#fff;min-height:100vh}.sm-breadcrumb{color:#5a6a7e;background:#f0f4fa;border-bottom:1px solid #dde3ed;padding:8px 0;font-size:12px}.sm-breadcrumb a{color:#013a7d;text-decoration:none}.sm-sep{color:#bbb;margin:0 6px}.sm-hero{background:#03275c;padding:40px 0 36px;position:relative;overflow:hidden}.sm-hero:after{content:"";background:#c9a84c12;border-radius:50%;width:240px;height:240px;position:absolute;bottom:-80px;right:-40px}.sm-hero-inner{justify-content:space-between;align-items:flex-start;gap:32px;display:flex}.sm-hero-label{color:#c9a84c;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px;font-size:11px;font-weight:800}.sm-hero h1{color:#fff;margin-bottom:8px;font-size:32px;font-weight:900}.sm-hero-left p{color:#8aa8c8;max-width:560px;font-size:14px;line-height:1.7}.sm-gold-line{background:#c9a84c;border-radius:2px;width:48px;height:4px;margin-top:14px}.sm-meta{color:#8aa8c8;white-space:nowrap;background:#ffffff0f;border:1px solid #ffffff1f;border-radius:8px;flex-shrink:0;padding:16px 20px;font-size:12px}.sm-meta div{align-items:center;gap:8px;margin-bottom:6px;display:flex}.sm-meta div:last-child{margin-bottom:0}.sm-meta strong{color:#fff}.sm-body{padding:40px 0 50px}.sm-grid{grid-template-columns:1fr 1fr;gap:24px;display:grid}.sm-card{background:#f8fafd;border:1px solid #e0e6ef;border-radius:10px;padding:24px 28px}.sm-card-wide{grid-column:1/-1}.sm-card-header{border-bottom:2px solid #e0e6ef;align-items:center;gap:12px;margin-bottom:16px;padding-bottom:14px;display:flex}.sm-card-icon{background:#03275c;border-radius:8px;flex-shrink:0;justify-content:center;align-items:center;width:36px;height:36px;display:flex}.sm-card-icon svg{width:18px;height:18px}.sm-card h3{color:#03275c;margin:0;font-size:16px;font-weight:900}.sm-card ul{margin:0;padding:0;list-style:none}.sm-card ul li{border-bottom:1px solid #edf1f7;padding:6px 0}.sm-card ul li:last-child{border-bottom:none}.sm-card ul li a{color:#013a7d;font-size:13px;font-weight:500;text-decoration:none}.sm-card ul li a:hover{color:#03275c;text-decoration:underline}.sm-policies-grid{grid-template-columns:1fr 1fr;gap:0 32px;display:grid}@media (max-width:900px){.sm-grid,.sm-policies-grid{grid-template-columns:1fr}.sm-hero-inner{flex-direction:column}.sm-meta{display:none}.sm-hero h1{font-size:22px}}