.terms-page{background:#f6fbfd}
.terms-hero{background:linear-gradient(135deg,#10384d,#174b63);color:#fff;padding:88px max(28px,calc((100vw - 1160px)/2)) 78px}
.terms-hero>div{max-width:820px}
.terms-hero h1{font-size:clamp(48px,7vw,78px)}
.terms-hero p:not(.eyebrow){max-width:720px;margin:24px 0 18px;color:#e0eef2;font-size:21px}
.terms-hero span{display:inline-flex;padding:8px 14px;border:1px solid rgba(255,255,255,.25);border-radius:999px;color:#c8dce3;font-size:14px}
.terms-layout{max-width:1160px;margin:auto;padding:72px 28px 110px;display:grid;grid-template-columns:300px minmax(0,1fr);gap:70px;align-items:start}
.terms-summary{position:sticky;top:105px;padding:26px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 16px 40px rgba(12,51,69,.08)}
.terms-summary ul{list-style:none;margin:0;padding:0;display:grid;gap:0}
.terms-summary li{padding:14px 0;border-top:1px solid var(--line);color:var(--muted);font-size:15px;line-height:1.45}
.terms-summary li strong{display:block;color:var(--navy);font-size:18px}
.terms-summary>p:last-child{margin:17px 0 0;color:var(--muted);font-size:12px}
.terms-content{min-width:0}
.terms-content section{padding:0 0 34px;margin:0 0 34px;border-bottom:1px solid var(--line)}
.terms-content section:last-child{border-bottom:0}
.terms-content h2{margin:0 0 15px;color:var(--navy);font-size:clamp(26px,3vw,35px);line-height:1.18;letter-spacing:-.8px}
.terms-content p{margin:0 0 14px;color:#496773;font-size:17px;line-height:1.75}
.terms-content a{color:var(--accent);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.contact-card{display:flex;flex-direction:column;align-items:flex-start;gap:4px;margin-top:24px;padding:22px 24px;border-radius:16px;background:var(--sky);color:var(--ink);font-size:16px}
.contact-card strong{font-size:20px;color:var(--navy)}
@media(max-width:900px){.terms-layout{grid-template-columns:1fr;gap:42px}.terms-summary{position:static}.terms-summary ul{grid-template-columns:1fr 1fr}.terms-summary li{padding-right:16px}}
@media(max-width:780px){.terms-hero{padding:62px 21px 56px}.terms-hero p:not(.eyebrow){font-size:18px}.terms-layout{padding:48px 21px 78px}.terms-summary ul{grid-template-columns:1fr}.terms-content section{padding-bottom:27px;margin-bottom:27px}.terms-content p{font-size:16px;line-height:1.68}}