.page-disclaimer {
  background: #F5F1E8;
  background-image: radial-gradient(rgba(10, 25, 47, 0.05) 1px, transparent 1px);
  background-size: 22px 22px;
  color: #0A192F;
  font-family: var(--font-body);
  line-height: 1.72;
  overflow-wrap: break-word;
}

.page-disclaimer .terms-hero {
  background: linear-gradient(115deg, #0A192F 0%, #112240 58%, #1D2F52 100%);
  color: #F5F1E8;
  padding: 44px 20px 72px;
  position: relative;
  overflow: hidden;
}

.page-disclaimer .terms-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(135deg, rgba(255, 255, 255, 0.04) 0 1px, transparent 1px 14px);
  pointer-events: none;
}

.page-disclaimer .terms-hero::after {
  content: "";
  position: absolute;
  width: 180px;
  height: 180px;
  right: -70px;
  bottom: -70px;
  background: linear-gradient(135deg, rgba(255, 107, 53, 0.55) 0%, rgba(255, 215, 0, 0.22) 100%);
  transform: rotate(45deg);
  pointer-events: none;
}

.page-disclaimer .terms-hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.page-disclaimer .terms-hero .breadcrumb {
  margin-bottom: 36px;
}

.page-disclaimer .terms-hero .breadcrumb-link {
  color: #8892B0;
  text-decoration: none;
  transition: color var(--dur) var(--ease);
}

.page-disclaimer .terms-hero .breadcrumb-link:hover {
  color: #FFD700;
}

.page-disclaimer .terms-hero .breadcrumb-item[aria-current="page"] {
  color: #FF6B35;
}

.page-disclaimer .terms-hero-grid {
  display: grid;
  gap: 40px;
  align-items: center;
}

.page-disclaimer .terms-hero-copy {
  position: relative;
}

.page-disclaimer .terms-hero .section-eyebrow {
  color: #FF6B35;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.page-disclaimer .terms-hero .section-eyebrow::before {
  content: "";
  width: 36px;
  height: 3px;
  background: var(--grad-accent);
  display: inline-block;
  transform: skewX(-45deg);
}

.page-disclaimer .terms-hero h1 {
  font-family: var(--font-head);
  font-size: 42px;
  line-height: 1.12;
  letter-spacing: 1px;
  text-transform: uppercase;
  max-width: 14ch;
  margin: 0 0 18px;
}

.page-disclaimer .terms-hero-lead {
  font-size: 16px;
  color: #8892B0;
  max-width: 54ch;
  margin: 0;
}

.page-disclaimer .terms-hero-actions {
  display: flex;
  gap: 12px;
  margin-top: 26px;
  flex-wrap: wrap;
}

.page-disclaimer .terms-hero-figure {
  position: relative;
  transform: skewY(-1.6deg);
  align-self: center;
  max-width: 420px;
}

.page-disclaimer .terms-hero-figure img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
  border: 1px solid rgba(255, 255, 255, 0.16);
  box-shadow: 16px 16px 0 rgba(255, 107, 53, 0.2);
}

.page-disclaimer .terms-hero-figure-note {
  position: absolute;
  right: -14px;
  bottom: -18px;
  transform: rotate(-6deg) skewX(-8deg);
  background: var(--grad-gold);
  color: #0A192F;
  font-family: var(--font-head);
  font-size: 13px;
  letter-spacing: 2px;
  padding: 8px 14px;
  text-transform: uppercase;
}

.page-disclaimer .terms-index {
  background: #0A192F;
  border-top: 2px solid #FFD700;
  border-bottom: 2px solid #FF6B35;
}

.page-disclaimer .terms-index-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 16px 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.page-disclaimer .terms-index-label {
  font-size: 12px;
  letter-spacing: 2px;
  color: #8892B0;
  text-transform: uppercase;
  font-weight: 600;
}

.page-disclaimer .terms-index-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.page-disclaimer .terms-index-link {
  color: #F5F1E8;
  text-decoration: none;
  font-size: 14px;
  padding: 7px 12px;
  border: 1px solid #233554;
  background: transparent;
  transition: border-color var(--dur) var(--ease), color var(--dur) var(--ease), background var(--dur) var(--ease);
}

.page-disclaimer .terms-index-link:hover {
  border-color: #FF6B35;
  color: #FFD700;
  background: rgba(255, 107, 53, 0.12);
}

.page-disclaimer .terms-content {
  max-width: 880px;
  margin: 0 auto;
  padding: 56px 20px;
  display: grid;
  gap: 20px;
}

.page-disclaimer .terms-card {
  background: #FFFFFF;
  border: 1px solid #233554;
  border-left: 5px solid #FF6B35;
  box-shadow: 8px 8px 0 rgba(10, 25, 47, 0.07);
  transition: box-shadow var(--dur) var(--ease);
}

.page-disclaimer .terms-card[open] {
  box-shadow: 10px 10px 0 rgba(255, 107, 53, 0.18);
}

.page-disclaimer .terms-card summary {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  cursor: pointer;
  list-style: none;
  position: relative;
  transition: background var(--dur) var(--ease);
}

.page-disclaimer .terms-card summary::-webkit-details-marker {
  display: none;
}

.page-disclaimer .terms-card summary:hover {
  background: #FFF8EF;
}

.page-disclaimer .terms-card[open] summary {
  background: #FFF8EF;
  border-bottom: 1px solid #EAE3D6;
}

.page-disclaimer .terms-card-num {
  min-width: 48px;
  height: 40px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--grad-accent);
  color: #FFFFFF;
  font-family: var(--font-head);
  font-size: 20px;
  transform: skewX(-12deg);
  flex: 0 0 auto;
}

.page-disclaimer .terms-card-num > span {
  transform: skewX(12deg);
  display: block;
}

.page-disclaimer .terms-card-title {
  font-family: var(--font-head);
  font-size: 22px;
  letter-spacing: 1px;
  line-height: 1.3;
  color: #0A192F;
}

.page-disclaimer .terms-card-arrow {
  width: 24px;
  height: 24px;
  border: 2px solid #233554;
  border-radius: 50%;
  margin-left: auto;
  position: relative;
  flex: 0 0 auto;
  transition: border-color var(--dur) var(--ease), background var(--dur) var(--ease);
}

.page-disclaimer .terms-card-arrow::before,
.page-disclaimer .terms-card-arrow::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  background: #0A192F;
  height: 2px;
  width: 10px;
  transform: translate(-50%, -50%);
  transition: transform var(--dur) var(--ease), background var(--dur) var(--ease), opacity var(--dur) var(--ease);
}

.page-disclaimer .terms-card-arrow::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.page-disclaimer .terms-card[open] .terms-card-arrow {
  border-color: #FF6B35;
  background: rgba(255, 107, 53, 0.08);
}

.page-disclaimer .terms-card[open] .terms-card-arrow::before {
  background: #FF6B35;
}

.page-disclaimer .terms-card[open] .terms-card-arrow::after {
  transform: translate(-50%, -50%) rotate(0deg);
  opacity: 0;
}

.page-disclaimer .terms-card-body {
  padding: 22px 20px 30px;
}

.page-disclaimer .terms-card-lead {
  font-size: 17px;
  font-weight: 700;
  color: #0A192F;
  margin: 0 0 16px;
  border-left: 4px solid #FFD700;
  padding-left: 14px;
}

.page-disclaimer .terms-card-body .text-block p {
  color: #1F2A45;
  margin: 0 0 12px;
}

.page-disclaimer .terms-card-body .text-block p:last-child {
  margin-bottom: 0;
}

.page-disclaimer .terms-card-body .text-block a {
  color: #FF6B35;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.page-disclaimer .terms-card-body .text-block a:hover {
  color: #E3B505;
}

.page-disclaimer .terms-list {
  margin: 16px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 10px;
}

.page-disclaimer .terms-list li {
  position: relative;
  padding: 11px 16px 11px 42px;
  background: #F5F1E8;
  border-left: 3px solid #FF6B35;
  font-size: 15px;
  color: #0A192F;
}

.page-disclaimer .terms-list li::before {
  content: "";
  position: absolute;
  left: 16px;
  top: 17px;
  width: 8px;
  height: 8px;
  background: #FFD700;
  transform: rotate(45deg);
}

.page-disclaimer .terms-note {
  background: #F5F1E8;
  border-left: 4px solid #FFD700;
  padding: 15px 16px;
  margin-top: 18px;
  font-size: 14px;
  color: #233554;
}

.page-disclaimer .terms-note p {
  margin: 0 0 8px;
}

.page-disclaimer .terms-note p:last-child {
  margin-bottom: 0;
}

.page-disclaimer .terms-contact-list {
  margin: 18px 0 0;
  padding: 0;
  display: grid;
  gap: 12px;
}

.page-disclaimer .terms-contact-item {
  display: flex;
  flex-direction: column;
  background: #FFF8EF;
  padding: 12px 18px;
  border-right: 4px solid #FF6B35;
}

.page-disclaimer .terms-contact-item dt {
  font-size: 12px;
  color: #8892B0;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 4px;
}

.page-disclaimer .terms-contact-item dd {
  margin: 0;
  font-size: 15px;
  font-weight: 600;
  color: #0A192F;
}

.page-disclaimer .terms-footnav {
  background: #0A192F;
  color: #F5F1E8;
  padding: 40px 20px;
  position: relative;
}

.page-disclaimer .terms-footnav::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 0;
  height: 4px;
  background: linear-gradient(90deg, #FF6B35 0%, #FFD700 60%, #FF6B35 100%);
}

.page-disclaimer .terms-footnav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 18px;
}

.page-disclaimer .terms-footnav-title {
  font-family: var(--font-head);
  font-size: 20px;
  letter-spacing: 1px;
  margin: 0;
  text-transform: uppercase;
}

.page-disclaimer .terms-footnav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.page-disclaimer .terms-footnav-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #F5F1E8;
  border: 1px solid #233554;
  padding: 10px 18px;
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  transition: border-color var(--dur) var(--ease), color var(--dur) var(--ease), background var(--dur) var(--ease);
}

.page-disclaimer .terms-footnav-link::after {
  content: "→";
  color: #FF6B35;
  transition: transform var(--dur) var(--ease);
}

.page-disclaimer .terms-footnav-link:hover {
  border-color: #FFD700;
  color: #FFD700;
  background: rgba(255, 215, 0, 0.08);
}

.page-disclaimer .terms-footnav-link:hover::after {
  transform: translateX(4px);
}

@media (min-width: 900px) {
  .page-disclaimer .terms-hero {
    padding: 68px 40px 96px;
  }

  .page-disclaimer .terms-hero-grid {
    grid-template-columns: 1.1fr 0.9fr;
    gap: 64px;
  }

  .page-disclaimer .terms-hero h1 {
    font-size: 64px;
    max-width: 12ch;
  }

  .page-disclaimer .terms-hero-figure {
    justify-self: end;
  }

  .page-disclaimer .terms-index-inner {
    flex-direction: row;
    align-items: center;
    gap: 24px;
    padding: 16px 40px;
  }

  .page-disclaimer .terms-index-label {
    flex: 0 0 auto;
  }

  .page-disclaimer .terms-content {
    padding: 72px 32px 80px;
    gap: 24px;
  }

  .page-disclaimer .terms-card summary {
    padding: 22px 26px;
  }

  .page-disclaimer .terms-card-body {
    padding: 32px 40px 40px;
  }

  .page-disclaimer .terms-card-lead {
    font-size: 18px;
  }

  .page-disclaimer .terms-contact-list {
    grid-template-columns: repeat(3, 1fr);
  }

  .page-disclaimer .terms-contact-item {
    padding: 16px 18px;
  }

  .page-disclaimer .terms-footnav {
    padding: 48px 40px;
  }

  .page-disclaimer .terms-footnav-inner {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
}