/* ═══════════════════════════════════════════════════════
       INNER HERO (narrow)
    ═══════════════════════════════════════════════════════ */
    #inner-hero {
      position: relative;
      padding: 140px 0 72px;
      background-image: url('https://www.pmaafs.com.au/assets/images/banner03.jpg');
      background-size: cover;
      background-position: center 30%;
      background-repeat: no-repeat;
    }

    #inner-hero::before {
      content: '';
      position: absolute;
      inset: 0;
      background: linear-gradient(
        105deg,
        rgba(6,15,30,.96) 0%,
        rgba(6,15,30,.88) 40%,
        rgba(6,15,30,.70) 70%,
        rgba(6,15,30,.55) 100%
      );
    }

    .inner-hero-body {
      position: relative;
      z-index: 2;
    }

    /* Breadcrumb */
    .breadcrumb-bar {
      display: flex;
      align-items: center;
      gap: 8px;
      font-size: 12.5px;
      color: rgba(255,255,255,.45);
      margin-bottom: 18px;
    }

    .breadcrumb-bar a {
      color: rgba(255,255,255,.45);
      transition: var(--ease);
    }

    .breadcrumb-bar a:hover { color: var(--sky); }

    .breadcrumb-bar .sep { color: rgba(255,255,255,.2); }

    .breadcrumb-bar .current { color: var(--sky); }

    /* Inner page title */
    .inner-hero-pill {
      display: inline-flex; align-items: center; gap: 9px;
      background: rgba(14,165,233,.1);
      border: 1px solid rgba(14,165,233,.28);
      border-radius: 100px;
      padding: 6px 16px;
      font-size: 12px; font-weight: 600;
      color: var(--sky);
      letter-spacing: .4px;
      text-transform: uppercase;
      margin-bottom: 18px;
    }

    #inner-hero h1 {
      font-family: var(--serif);
      font-size: clamp(30px, 4.5vw, 52px);
      color: #fff;
      line-height: 1.1;
      margin-bottom: 16px;
    }

    .inner-hero-lead {
      font-size: 15.5px;
      color: rgba(255,255,255,.55);
      max-width: 520px;
      line-height: 1.7;
    }

    /* Section blocks */
    .policy-section {
      margin-bottom: 44px;
    }

    .policy-section:last-child { margin-bottom: 0; }

    .policy-num {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      width: 28px; height: 28px;
      background: var(--sky-xl);
      color: var(--sky-dark);
      font-size: 12px; font-weight: 700;
      border-radius: 50%;
      flex-shrink: 0;
      margin-right: 12px;
      vertical-align: middle;
      position: relative;
      top: -2px;
    }

    .policy-section h2 {
      font-family: var(--font);
      font-size: 17px;
      font-weight: 700;
      color: var(--text);
    }

    .policy-section p {
      font-size: 14.5px;
      color: var(--muted);
      line-height: 1.82;
      margin-bottom: 12px;
    }

    .policy-section p:last-child { margin-bottom: 0; }

    .policy-section a {
      color: var(--sky-dark);
      font-weight: 500;
      border-bottom: 1px solid rgba(2,132,199,.25);
      transition: var(--ease);
    }

    .policy-section a:hover {
      color: var(--sky);
      border-bottom-color: var(--sky);
    }

    /* Divider */
    .policy-divider {
      border: none;
      border-top: 1px solid var(--border);
      margin: 44px 0;
    }

    /* Contact card */
    .policy-contact-card {
      background: var(--navy);
      border-radius: var(--r-lg);
      padding: 36px 40px;
      margin-top: 56px;
      display: flex;
      gap: 28px;
      align-items: flex-start;
    }

    .policy-contact-card .icon-wrap {
      width: 48px; height: 48px;
      background: rgba(14,165,233,.15);
      border-radius: var(--r-md);
      display: flex; align-items: center; justify-content: center;
      color: var(--sky);
      font-size: 22px;
      flex-shrink: 0;
    }

    .policy-contact-card h3 {
      font-family: var(--font);
      font-size: 16px; font-weight: 700;
      color: #fff;
      margin-bottom: 6px;
    }

    .policy-contact-card p {
      font-size: 13.5px;
      color: rgba(255,255,255,.45);
      line-height: 1.7;
      margin-bottom: 16px;
    }

    .policy-contact-card a.btn-sky {
      display: inline-flex; align-items: center; gap: 8px;
      background: var(--sky); color: #fff;
      font-weight: 700; font-size: 13.5px;
      padding: 11px 22px;
      border-radius: var(--r-sm);
      border: none;
      box-shadow: var(--sh-sky);
      transition: var(--ease);
    }

    .policy-contact-card a.btn-sky:hover {
      background: var(--sky-dark);
      transform: translateY(-1px);
    }

    /* ═══════════════════════════════════════════════════════
       RESPONSIVE
    ═══════════════════════════════════════════════════════ */
    @media (max-width: 991.98px) {
      #inner-hero { padding: 118px 0 56px; }
      .policy-contact-card { flex-direction: column; gap: 18px; padding: 28px 24px; }
    }