.tm-page{min-height:100vh;background:var(--bg)}.tm-hero{background:var(--bg-dark);padding:80px 5%;position:relative;overflow:hidden}.tm-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(59,130,246,.05) 1px,transparent 0),linear-gradient(90deg,rgba(59,130,246,.05) 1px,transparent 0);background-size:60px 60px}.tm-hero-inner{max-width:1200px;margin:0 auto;position:relative;z-index:2}.tm-hero h1{font-size:clamp(2rem,4vw,3rem);color:white!important;margin-bottom:14px;line-height:1.2}.tm-hero p{color:#fff;font-size:1rem}.tm-tabs-bar{position:-webkit-sticky;position:sticky;top:var(--nav-h);z-index:100;background:white;border-bottom:1px solid var(--border);box-shadow:0 2px 8px rgba(0,0,0,.06)}.tm-tabs-inner{max-width:1200px;margin:0 auto;padding:0 5%;display:flex;gap:0;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}.tm-tabs-inner::-webkit-scrollbar{display:none}.tm-tab{flex-shrink:0;padding:16px 24px;background:none;border:none;border-bottom:3px solid transparent;font-size:.9rem;font-weight:600;color:var(--text-muted);cursor:pointer;font-family:DM Sans,sans-serif;transition:color .2s,border-color .2s;white-space:nowrap}.tm-tab.active,.tm-tab:hover{color:var(--primary)}.tm-tab.active{border-bottom-color:var(--primary)}.tm-content-wrap{max-width:1200px;margin:0 auto;padding:48px 5%}.tm-content-area{display:grid;grid-template-columns:220px 1fr;grid-gap:40px;gap:40px;align-items:start}.tm-sidenav{position:-webkit-sticky;position:sticky;top:calc(var(--nav-h) + 60px);background:white;border:1px solid var(--border);border-radius:16px;padding:20px}.tm-sidenav-title{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--text-muted);margin-bottom:12px}.tm-sidenav-link{display:block;width:100%;text-align:left;padding:8px 12px;background:none;border:none;border-radius:8px;font-size:.82rem;font-weight:500;color:var(--text-muted);cursor:pointer;font-family:DM Sans,sans-serif;transition:background .2s,color .2s;line-height:1.4}.tm-sidenav-link:hover{background:rgba(22,70,142,.06);color:var(--primary)}.tm-policy-card{background:white;border:1px solid var(--border);border-radius:20px;padding:40px;box-shadow:var(--card-shadow)}.tm-panel-header{margin-bottom:36px;padding-bottom:24px;border-bottom:1px solid var(--border)}.tm-panel-header h2{font-size:1.8rem;font-weight:700;color:var(--text);margin-bottom:6px}.tm-panel-header p{font-size:.95rem;color:var(--text-muted)}.tm-section-block{margin-bottom:36px;scroll-margin-top:calc(var(--nav-h) + 80px)}.tm-section-block h3{font-size:1.1rem;font-weight:700;color:var(--primary);margin-bottom:14px}.tm-section-block p{font-size:.92rem;color:var(--text);line-height:1.8;margin-bottom:12px}.tm-section-block ul{list-style:none;padding:0;margin:12px 0;display:flex;flex-direction:column;gap:8px}.tm-section-block ul li{font-size:.9rem;color:var(--text);line-height:1.7;padding-left:20px;position:relative}.tm-section-block ul li:before{content:"•";position:absolute;left:0;color:var(--secondary);font-weight:700}.tm-highlight{background:rgba(59,130,246,.06);border-left:4px solid var(--secondary);border-radius:0 10px 10px 0;padding:14px 18px;margin-top:14px;font-size:.88rem;color:var(--text);line-height:1.7}.tm-highlight a{color:var(--secondary);font-weight:600}.tm-warning{background:rgba(239,68,68,.06);border-left:4px solid #ef4444;border-radius:0 10px 10px 0;padding:14px 18px;margin-top:14px;font-size:.88rem;color:var(--text);line-height:1.7}.tm-contact-box{margin-top:40px;background:rgba(22,70,142,.05);border:1px solid rgba(22,70,142,.15);border-radius:14px;padding:24px 28px}.tm-contact-box strong{display:block;font-size:1rem;font-weight:700;color:var(--primary);margin-bottom:6px}.tm-contact-box p{font-size:.88rem;color:var(--text-muted)}.tm-contact-box a{color:var(--secondary);font-weight:600}.tm-contact-box a:hover{text-decoration:underline}.tm-link{color:var(--secondary);font-weight:600}.tm-link:hover{text-decoration:underline}@media (max-width:900px){.tm-content-area{grid-template-columns:1fr}.tm-sidenav{display:none}.tm-policy-card{padding:28px 24px}.tm-hero{padding:56px 5%}}@media (max-width:600px){.tm-content-wrap{padding:24px 4%}.tm-policy-card{padding:20px 16px}.tm-tab{padding:13px 14px;font-size:.82rem}.tm-panel-header h2{font-size:1.35rem}.tm-panel-header p,.tm-section-block p{font-size:.88rem}.tm-section-block ul li{font-size:.86rem}.tm-highlight,.tm-warning{font-size:.84rem}}@media (max-width:480px){.tm-hero{padding:40px 5%}.tm-section-block h3{font-size:.96rem}.tm-section-block p{font-size:.84rem}.tm-section-block ul li{font-size:.83rem}.tm-panel-header h2{font-size:1.2rem}.tm-tab{padding:11px 12px;font-size:.78rem}.tm-contact-box strong{font-size:.92rem}.tm-contact-box p{font-size:.82rem}}