.terms-hero{background:linear-gradient(135deg,#0c447c 0,#185fa5 60%,#0f6e56 100%);border-radius:16px;padding:3.5rem 2rem 2.75rem;text-align:center;position:relative;overflow:hidden;margin-bottom:2.5rem}.terms-hero::before{content:'';position:absolute;top:-50px;right:-50px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,.05)}.terms-hero .hero-badge{display:inline-block;background:rgba(255,255,255,.16);color:#fff;font-size:11px;font-weight:600;letter-spacing:.08em;padding:5px 16px;border-radius:20px;margin-bottom:.85rem;text-transform:uppercase}.terms-hero h1{font-size:2.4rem;font-weight:700;color:#fff;margin-bottom:.65rem;line-height:1.2}.terms-hero p.hero-sub{font-size:.95rem;color:rgba(255,255,255,.82);max-width:520px;margin:0 auto;line-height:1.7}.updated-pill{display:inline-block;background:rgba(255,255,255,.12);color:rgba(255,255,255,.75);font-size:11px;padding:4px 12px;border-radius:20px;margin-top:.85rem}.toc-card{background:#f8f9fa;border:1px solid #e9ecef;border-radius:14px;padding:1.5rem;margin-bottom:2rem}.toc-card h6{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#6c757d;margin-bottom:1rem}.toc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:6px}.toc-grid a{display:flex;align-items:center;gap:8px;font-size:13px;color:#185fa5;text-decoration:none;padding:5px 0;transition:color .2s}.toc-grid a:hover{color:#0c447c}.toc-num{font-size:11px;color:#adb5bd;min-width:18px;font-weight:600}.policy-section{background:#fff;border:1px solid #e9ecef;border-left:4px solid #185fa5;border-radius:0 14px 14px 0;padding:1.75rem 1.75rem 1.75rem 1.5rem;margin-bottom:1.25rem;box-shadow:0 2px 10px rgba(0,0,0,.04);scroll-margin-top:80px}.policy-section.teal-accent{border-left-color:#1d9e75}.policy-section.amber-accent{border-left-color:#ba7517}.policy-section.red-accent{border-left-color:#a32d2d}.section-eyebrow{font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#185fa5;margin-bottom:.3rem}.section-eyebrow.teal{color:#0f6e56}.section-eyebrow.amber{color:#854f0b}.section-eyebrow.red{color:#791f1f}.policy-section h2{font-size:1.2rem;font-weight:700;color:#212529;margin-bottom:.85rem}.policy-section p{font-size:.9rem;color:#495057;line-height:1.85;margin-bottom:.65rem}.policy-section p:last-child{margin-bottom:0}.rights-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:8px;margin-top:.85rem}.right-item{background:#f8f9fa;border-radius:8px;padding:10px 12px;display:flex;align-items:flex-start;gap:9px}.right-dot{width:7px;height:7px;border-radius:50%;background:#185fa5;flex-shrink:0;margin-top:5px}.right-dot.teal{background:#1d9e75}.right-dot.amber{background:#ba7517}.right-item span{font-size:12px;color:#495057;line-height:1.6}.info-chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:.85rem}.chip{display:inline-block;font-size:11px;font-weight:600;padding:5px 14px;border-radius:20px}.chip-blue{background:#e6f1fb;color:#0c447c}.chip-green{background:#e1f5ee;color:#085041}.chip-amber{background:#faeeda;color:#633806}.disclaimer-box{background:#faeeda;border:1px solid #fac775;border-radius:10px;padding:1.25rem 1.5rem;margin-bottom:2rem}.disclaimer-box h4{font-size:.9rem;font-weight:700;color:#633806;margin-bottom:.4rem}.disclaimer-box p{font-size:.83rem;color:#854f0b;line-height:1.8;margin:0}.terms-footer-strip{background:#e6f1fb;border:1px solid #b5d4f4;border-radius:14px;padding:1.5rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:.75rem}.terms-footer-strip p{font-size:13px;color:#0c447c;margin:0}.terms-footer-strip a{color:#185fa5;font-weight:600;text-decoration:none}.terms-footer-strip a:hover{text-decoration:underline}@media (max-width:767px){.terms-hero h1{font-size:1.75rem}.toc-grid{grid-template-columns:1fr 1fr}.terms-footer-strip{flex-direction:column}}