:root { --term-ink: #0a2550; --term-muted: #5f6d67; --term-green: #095bb5; --term-soft: #eef5fc; --term-line: #d9e3ef; }
* { box-sizing: border-box; }
body { margin: 0; color: var(--term-ink); background: #fff; font-family: "DM Sans", sans-serif; }

.terms-page { width: min(1160px, calc(100% - 48px)); margin: 0 auto; padding: 58px 0 90px; }
.terms-hero { position: relative; overflow: hidden; margin-bottom: 48px; padding: 64px 48px; border-radius: 20px; text-align: center; background: linear-gradient(135deg, #eef5fc, #fbf8ef); }
.terms-hero::after { position: absolute; right: -80px; bottom: -120px; width: 330px; height: 330px; border: 60px solid rgba(9,91,181,.06); border-radius: 50%; content: ""; }
.terms-hero > span { color: var(--term-green); font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.terms-hero h1 { position: relative; z-index: 1; margin: 10px 0 12px; font-family: "Playfair Display", serif; font-size: clamp(42px, 5vw, 62px); line-height: 1.1; }
.terms-hero p { margin: 0 0 10px; color: #42534c; font-size: 16px; }
.terms-hero time { color: var(--term-muted); font-size: 13px; }

.terms-layout { display: grid; grid-template-columns: 265px minmax(0, 1fr); gap: 55px; align-items: start; }
.terms-summary { position: sticky; top: 110px; padding: 27px; border: 1px solid #d9e3ef; border-radius: 14px; background: var(--term-soft); }
.terms-summary strong { display: block; margin-bottom: 9px; color: var(--term-green); font-family: "Playfair Display", serif; font-size: 23px; }
.terms-summary p { margin: 0 0 20px; color: #51615a; font-size: 13px; line-height: 1.65; }
.terms-summary a { color: var(--term-green); font-size: 13px; font-weight: 700; }
.terms-summary a span { margin-left: 5px; transition: margin-left .2s ease; }
.terms-summary a:hover span { margin-left: 9px; }

.terms-content { color: #3f4d47; font-size: 15px; line-height: 1.8; }
.terms-intro { margin: 0 0 38px; color: #29496f; font-size: 17px; line-height: 1.75; }
.terms-content section { padding: 0 0 30px; margin-bottom: 31px; border-bottom: 1px solid var(--term-line); }
.terms-content section:last-child { padding-bottom: 0; margin-bottom: 0; border-bottom: 0; }
.terms-content h2 { display: flex; gap: 13px; align-items: baseline; margin: 0 0 10px; color: var(--term-ink); font-family: "Playfair Display", serif; font-size: 27px; line-height: 1.3; }
.terms-content h2 span { min-width: 27px; color: var(--term-green); font-family: "DM Sans", sans-serif; font-size: 12px; font-weight: 700; letter-spacing: .08em; }
.terms-content p { margin: 0; }
.terms-content a { color: var(--term-green); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }

@media (max-width: 850px) {
    .terms-layout { grid-template-columns: 1fr; gap: 35px; }
    .terms-summary { position: static; }
}

@media (max-width: 640px) {
    .terms-page { width: min(100% - 30px, 1160px); padding: 32px 0 65px; }
    .terms-hero { margin-bottom: 34px; padding: 43px 20px; }
    .terms-hero p { font-size: 14px; }
    .terms-content { font-size: 14px; }
    .terms-content h2 { gap: 9px; font-size: 23px; }
    .terms-intro { font-size: 15px; }
}