.policy-hero-card {
  position: relative;
  overflow: hidden;
  padding: clamp(27px, 4vw, 42px);
  border: 1px solid rgba(73, 8, 13, 0.16);
  border-radius: 34px;
  color: #fff;
  background:
    radial-gradient(circle at 90% 0, rgba(242, 214, 158, 0.26), transparent 33%),
    #49080d;
  box-shadow: var(--shadow);
}

.policy-hero-card::after {
  content: "";
  position: absolute;
  right: -52px;
  bottom: -70px;
  width: 190px;
  height: 190px;
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 50%;
}

.policy-status {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 10px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 999px;
  color: #f2d69e;
  background: rgba(255, 255, 255, 0.08);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: 0.05em;
}

.policy-status::before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #f2d69e;
  box-shadow: 0 0 0 5px rgba(242, 214, 158, 0.12);
}

.policy-hero-card h2 {
  position: relative;
  z-index: 1;
  margin: 25px 0 0;
  font-family: Georgia, "Times New Roman", "Nanum Myeongjo", serif;
  font-size: clamp(28px, 3.4vw, 42px);
  line-height: 1.18;
  letter-spacing: -0.055em;
}

.policy-hero-card > p {
  position: relative;
  z-index: 1;
  margin: 15px 0 0;
  color: rgba(255, 255, 255, 0.7);
  font-size: 14px;
  line-height: 1.7;
}

.policy-mini-flow {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 9px;
  margin: 28px 0 0;
  padding: 0;
  list-style: none;
}

.policy-mini-flow li {
  display: grid;
  grid-template-columns: 30px minmax(0, 1fr);
  align-items: center;
  gap: 11px;
  min-height: 48px;
  padding: 8px 12px;
  border: 1px solid rgba(255, 255, 255, 0.11);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.06);
  font-size: 13px;
  font-weight: 750;
}

.policy-mini-flow span {
  display: grid;
  width: 30px;
  height: 30px;
  place-items: center;
  border-radius: 9px;
  color: #49080d;
  background: #f2d69e;
  font-size: 10px;
  font-weight: 900;
}

.policy-draft {
  border-top: 1px solid rgba(73, 8, 13, 0.11);
  border-bottom: 1px solid rgba(73, 8, 13, 0.11);
  background: #fff7e8;
}

.policy-draft-inner {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: start;
  gap: 15px;
  padding-block: 22px;
}

.policy-draft-mark {
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: #9a651d;
  font-weight: 900;
}

.policy-draft strong {
  display: block;
  color: #6f4310;
  font-size: 14px;
}

.policy-draft p {
  margin: 4px 0 0;
  color: #7a684f;
  font-size: 12px;
  line-height: 1.65;
}

.policy-rule-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 34px;
}

.policy-rule-card {
  min-height: 255px;
  padding: 27px;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: var(--paper);
}

.policy-rule-card > span {
  display: inline-flex;
  padding: 6px 9px;
  border-radius: 999px;
  color: var(--wine-2);
  background: var(--wine-soft);
  font-size: 10px;
  font-weight: 900;
  letter-spacing: 0.05em;
}

.policy-rule-card h3 {
  margin: 17px 0 0;
  color: var(--wine);
  font-size: 20px;
  letter-spacing: -0.04em;
}

.policy-rule-card ul {
  display: grid;
  gap: 10px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.policy-rule-card li {
  position: relative;
  padding-left: 17px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.65;
}

.policy-rule-card li::before {
  content: "";
  position: absolute;
  top: 0.65em;
  left: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.policy-request-flow {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0;
  margin-top: 34px;
  counter-reset: policy-step;
}

.policy-request-flow article {
  position: relative;
  min-height: 190px;
  padding: 27px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--paper);
  counter-increment: policy-step;
}

.policy-request-flow article:first-child {
  border-left: 1px solid var(--line);
  border-radius: 24px 0 0 24px;
}

.policy-request-flow article:last-child {
  border-right: 1px solid var(--line);
  border-radius: 0 24px 24px 0;
}

.policy-request-flow article + article {
  border-left: 1px solid var(--line);
}

.policy-request-flow article::before {
  content: "0" counter(policy-step);
  display: block;
  margin-bottom: 18px;
  color: var(--gold);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: 0.08em;
}

.policy-request-flow h3 {
  margin: 0;
  color: var(--wine);
  font-size: 17px;
}

.policy-request-flow p {
  margin: 9px 0 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.65;
}

.policy-legal-note {
  margin-top: 28px;
  padding: 22px 24px;
  border-left: 4px solid var(--gold);
  border-radius: 0 16px 16px 0;
  color: var(--muted);
  background: var(--cream);
  font-size: 12px;
  line-height: 1.7;
}

.policy-legal-note strong {
  color: var(--wine);
}

.policy-legal-note a {
  color: var(--wine-2);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}

@media (max-width: 960px) {
  .policy-rule-grid,
  .policy-request-flow {
    grid-template-columns: 1fr;
  }

  .policy-rule-card {
    min-height: 0;
  }

  .policy-request-flow article,
  .policy-request-flow article:first-child,
  .policy-request-flow article:last-child {
    min-height: 0;
    border: 1px solid var(--line);
    border-radius: 18px;
  }

  .policy-request-flow {
    gap: 10px;
  }
}

@media (max-width: 540px) {
  .policy-hero-card {
    border-radius: 26px;
  }

  .policy-draft-inner {
    grid-template-columns: 1fr;
  }
}