.terms-page { background: #fff; color: #202020; }
.terms-wrap { width: min(1140px, calc(100% - 40px)); margin: 0 auto; }
.terms-hero { padding: 92px 0 78px; text-align: center; background: linear-gradient(180deg, rgba(237, 247, 249, .88), #fff); border-bottom: 1px solid rgba(1, 21, 54, .12); }
.terms-kicker { margin: 0 0 13px; color: #011536; font-size: .78rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; }
.terms-hero h1 { margin: 0; font-family: "Playfair Display", serif; font-size: clamp(2.8rem, 7vw, 5.3rem); font-weight: 500; line-height: 1.04; color: #011536; }
.terms-intro { max-width: 760px; margin: 24px auto 0; font-size: 1.12rem; line-height: 1.8; }
.terms-quick-actions { display: flex; justify-content: center; align-items: center; gap: 22px; flex-wrap: wrap; margin-top: 32px; }
.terms-primary-btn { display: inline-flex; justify-content: center; align-items: center; min-height: 49px; padding: 13px 27px; border-radius: 6px; background: #011536; color: #fff !important; font-weight: 700; text-decoration: none; transition: transform .2s ease, box-shadow .2s ease; }
.terms-primary-btn:hover { transform: translateY(-2px); box-shadow: 0 11px 24px rgba(1,21,54,.18); }
.terms-text-link { color: #011536; font-weight: 700; text-decoration: none; border-bottom: 1px solid currentColor; }
.terms-content { padding: 72px 0 88px; }
.terms-layout { display: grid; grid-template-columns: 230px minmax(0, 1fr); gap: 52px; align-items: start; }
.terms-index { position: sticky; top: 28px; padding: 24px; border: 1px solid rgba(1,21,54,.14); border-radius: 12px; background: #fbfaf7; }
.terms-index-title { margin: 0 0 13px; font-family: "Playfair Display", serif; color: #011536; font-size: 1.2rem; font-weight: 700; }
.terms-index a { display: block; padding: 9px 0; color: #444; text-decoration: none; font-size: .92rem; border-bottom: 1px solid rgba(1,21,54,.09); }
.terms-index a:last-child { border-bottom: 0; }
.terms-index a:hover { color: #011536; }
.terms-sections { min-width: 0; }
.terms-card { display: grid; grid-template-columns: 54px minmax(0,1fr); gap: 22px; padding: 36px 38px; margin-bottom: 24px; border: 1px solid rgba(1,21,54,.13); border-radius: 14px; background: #fff; box-shadow: 0 12px 36px rgba(20,42,75,.06); scroll-margin-top: 24px; }
.terms-number { display: flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: 50%; background: #f5f1e8; color: #011536; font-weight: 700; }
.terms-card h2, .faq-heading h2, .terms-closing h2 { margin: 0 0 17px; color: #011536; font-family: "Playfair Display", serif; font-size: clamp(1.75rem, 3vw, 2.35rem); font-weight: 600; line-height: 1.2; }
.terms-card h3 { margin: 0 0 9px; color: #011536; font-size: 1rem; }
.terms-card p, .terms-card li, .faq-section p, .terms-closing p { line-height: 1.75; }
.terms-card p { margin: 0 0 14px; }
.terms-card ul { margin: 0; padding-left: 20px; }
.terms-card li { margin-bottom: 8px; }
.terms-card a { color: #011536; font-weight: 700; }
.terms-note { margin-top: 24px; padding: 20px 22px; border-left: 4px solid #011536; background: #fbfaf7; }
.terms-note p { margin: 0; }
.terms-columns { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 30px; margin: 22px 0 16px; }
.terms-small { margin-top: 18px !important; color: #555; font-size: .94rem; }
.faq-section { padding: 48px 0 12px; scroll-margin-top: 24px; }
.faq-heading { margin-bottom: 24px; }
.faq-section details { margin-bottom: 12px; border: 1px solid rgba(1,21,54,.14); border-radius: 10px; background: #fff; overflow: hidden; }
.faq-section summary { position: relative; padding: 20px 52px 20px 22px; color: #011536; font-weight: 700; cursor: pointer; list-style: none; }
.faq-section summary::-webkit-details-marker { display: none; }
.faq-section summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; font-weight: 400; }
.faq-section details[open] summary::after { content: "−"; }
.faq-section details[open] summary { background: #fbfaf7; }
.faq-section details > div { padding: 0 22px 20px; }
.faq-section details > div p { margin: 16px 0 0; }
.terms-closing { margin-top: 54px; padding: 52px 44px; text-align: center; border-radius: 16px; background: #f5f1e8; }
.terms-closing p:not(.terms-kicker) { max-width: 680px; margin: 0 auto 26px; }
@media (max-width: 900px) {
  .terms-layout { grid-template-columns: 1fr; gap: 24px; }
  .terms-index { position: static; display: none; }
}
@media (max-width: 640px) {
  .terms-wrap { width: min(100% - 24px, 1140px); }
  .terms-hero { padding: 64px 0 56px; }
  .terms-content { padding: 42px 0 60px; }
  .terms-card { grid-template-columns: 1fr; padding: 27px 22px; }
  .terms-number { width: 42px; height: 42px; }
  .terms-columns { grid-template-columns: 1fr; gap: 12px; }
  .terms-closing { padding: 40px 22px; }
}
@media (prefers-reduced-motion: reduce) {
  .terms-primary-btn { transition: none; }
  html { scroll-behavior: auto; }
}