.ratna-policy-container{--primary-color:#004E81;--secondary-color:#2E7D32;--accent-color:#D32F2F;--text-dark:#333;--text-light:#555;--bg-white:#fff;--bg-light:#f8f9fa;--border-color:#dee2e6;--shadow:0 10px 25px -5px rgba(0,78,129,.1);line-height:1.7;color:var(--text-light);max-width:1100px;margin:0 auto;background:var(--bg-white);border-radius:16px;overflow:hidden;box-shadow:0 5px 30px rgb(0 0 0 / .05);border:1px solid var(--border-color)}.ratna-policy-container *,.ratna-policy-container *::before,.ratna-policy-container *::after{box-sizing:border-box}.ratna-policy-container img,.ratna-policy-container svg{display:block;max-width:100%;height:auto}.ratna-policy-container a{color:var(--primary-color);font-weight:600;text-decoration:underline;transition:.25s}.ratna-policy-container a:hover{text-decoration:none}.ratna-policy-container a:focus-visible{outline:2px solid var(--primary-color);outline-offset:2px;border-radius:4px}.ratna-policy-container h1,.ratna-policy-container h2,.ratna-policy-container h3{color:var(--primary-color);font-weight:700;line-height:1.3;margin:0 0 1rem}.ratna-policy-container .policy-hero{background:var(--bg-light);padding:clamp(3rem,8vw,4rem) 1.5rem;text-align:center;border-bottom:1px solid var(--border-color)}.ratna-policy-container .hero-content h1{font-size:clamp(2.2rem,5vw + 1rem,3.2rem);margin-bottom:15px}.ratna-policy-container .subtitle{font-size:1.2rem;margin-bottom:25px;color:var(--text-light)}.ratna-policy-container .effective-date{margin-top:30px;font-size:.9rem;font-weight:600;color:var(--text-dark);display:inline-block;background:var(--bg-white);padding:8px 16px;border-radius:50px;border:1px solid var(--border-color)}.ratna-policy-container .policy-content{padding:1.5rem}.ratna-policy-container .policy-section{margin-bottom:40px;padding-bottom:30px;border-bottom:1px solid var(--border-color)}.ratna-policy-container .policy-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.ratna-policy-container .section-header{display:flex;align-items:center;gap:15px;margin-bottom:25px}.ratna-policy-container .section-icon{width:50px;height:50px;background:#e6f0f7;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;border:1px solid var(--border-color)}.ratna-policy-container .section-icon svg{width:28px;height:28px;fill:var(--primary-color)}.ratna-policy-container .section-header h2{font-size:clamp(1.5rem,3vw + 1rem,2rem)}.ratna-policy-container .section-content p{margin-bottom:20px;font-size:1.1rem}.ratna-policy-container .criteria-list{display:grid;grid-template-columns:1fr;gap:15px;margin:25px 0 0}.ratna-policy-container .criterion{display:flex;align-items:flex-start;gap:15px;padding:15px;background:var(--bg-light);border-radius:10px;border:1px solid var(--border-color)}.ratna-policy-container .check-icon,.ratna-policy-container .x-icon{width:24px;height:24px;flex-shrink:0;margin-top:5px}.ratna-policy-container .check-icon svg{fill:var(--secondary-color)}.ratna-policy-container .x-icon svg{fill:var(--accent-color)}.ratna-policy-container .criterion p{font-size:1.05rem;color:var(--text-dark);margin:0}.ratna-policy-container .condition-card{background:var(--bg-light);border-left:4px solid var(--primary-color);padding:20px;border-radius:8px;margin-bottom:15px;border:1px solid var(--border-color)}.ratna-policy-container .condition-card h3{font-size:1.2rem;margin-bottom:10px}.ratna-policy-container .condition-card p{margin:0;font-size:1.05rem;color:var(--text-dark)}.ratna-policy-container .process-steps{display:grid;grid-template-columns:1fr;gap:20px;margin:30px 0}.ratna-policy-container .step{display:flex;gap:20px;align-items:flex-start;padding:25px;background:var(--bg-light);border-radius:10px;border:1px solid var(--border-color)}.ratna-policy-container .step-number{width:45px;height:45px;background:var(--primary-color);color:var(--bg-white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.3rem;flex-shrink:0}.ratna-policy-container .step-content h3{font-size:1.4rem;margin-bottom:10px}.ratna-policy-container .step-content p{font-size:1.05rem;color:var(--text-dark);margin:0}.ratna-policy-container .contact-methods{display:grid;grid-template-columns:1fr;gap:20px;margin:30px 0}.ratna-policy-container .contact-card{display:flex;gap:20px;align-items:center;padding:15px;background:var(--bg-light);border-radius:15px;text-decoration:none;color:inherit;border:1px solid var(--border-color);transition:transform .3s ease,box-shadow .3s ease,background-color .3s ease}.ratna-policy-container .contact-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);background:var(--bg-white);text-decoration:none}.ratna-policy-container .contact-card:focus-visible{outline:3px solid var(--primary-color);outline-offset:2px}.ratna-policy-container .contact-icon{width:50px;height:50px;background:var(--primary-color);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}.ratna-policy-container .contact-icon svg{width:25px;height:25px;fill:#fff}.ratna-policy-container .contact-info{display:flex;flex-direction:column}.ratna-policy-container .contact-info span:first-child{font-weight:700;color:var(--primary-color);margin-bottom:5px;font-size:1rem}.ratna-policy-container .contact-info span:last-child{font-size:.9rem;color:var(--text-dark);line-height:1.5}.ratna-policy-container .rg-aos{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease;will-change:opacity,transform}.ratna-policy-container .rg-aos.is-visible{opacity:1;transform:none}@media (prefers-reduced-motion:reduce){.ratna-policy-container .rg-aos{opacity:1!important;transform:none!important;transition:none!important}}@media (min-width:768px){.ratna-policy-container .policy-content{padding:40px}.ratna-policy-container .criteria-list{grid-template-columns:repeat(2,1fr)}.ratna-policy-container .process-steps{grid-template-columns:repeat(3,1fr)}.ratna-policy-container .contact-methods{grid-template-columns:repeat(3,1fr)}}