/* Terms & Conditions — Executive Policy Design */
.terms-container {
  max-width: 920px;
  margin: 0 auto;
}

.terms-card-wrapper {
  background: #ffffff;
  border-radius: 24px;
  padding: 2.5rem 3rem;
  border: 1px solid #e2e8f0;
  box-shadow: 0 10px 35px rgba(15, 23, 42, 0.04);
}

.terms-effective {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  color: #059669;
  font-size: 0.85rem;
  font-weight: 700;
  padding: 0.5rem 1.1rem;
  border-radius: 20px;
  margin-bottom: 1.5rem;
}

.terms-intro {
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-left: 4px solid #059669;
  border-radius: 16px;
  padding: 1.25rem 1.5rem;
  margin-bottom: 2rem;
}

.terms-intro p {
  color: #475569;
  font-size: 0.98rem;
  line-height: 1.75;
  margin: 0;
}

.terms-article {
  padding: 1.6rem 0;
  border-bottom: 1px solid #f1f5f9;
}

.terms-article:last-child {
  border-bottom: none;
}

.terms-article h2 {
  font-size: 1.18rem;
  font-weight: 800;
  color: #0f172a;
  margin-bottom: 0.85rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.terms-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  background: #f0fdf4;
  color: #059669;
  border: 1px solid #bbf7d0;
  font-size: 0.8rem;
  font-weight: 800;
  border-radius: 50%;
  flex-shrink: 0;
}

.terms-article p {
  font-size: 0.95rem;
  color: #475569;
  line-height: 1.75;
  margin-bottom: 0.75rem;
}

.terms-article ul {
  list-style: none;
  padding: 0;
  margin: 0.5rem 0 0.85rem;
}

.terms-article ul li {
  position: relative;
  padding-left: 1.6rem;
  font-size: 0.93rem;
  color: #334155;
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

.terms-article ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  color: #059669;
  font-weight: 900;
  font-size: 0.85rem;
}

.terms-contact-note {
  margin-top: 2.5rem;
  padding: 2rem 2.2rem;
  background: linear-gradient(135deg, #064e3b, #059669);
  color: #ffffff;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  box-shadow: 0 12px 30px rgba(5, 150, 105, 0.2);
}

.terms-contact-note h2 {
  color: #ffffff;
  font-size: 1.25rem;
  font-weight: 800;
  margin-bottom: 0.35rem;
}

.terms-contact-note p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.92rem;
  margin: 0;
}

@media (max-width: 768px) {
  .terms-card-wrapper {
    padding: 1.5rem;
  }
  .terms-contact-note {
    flex-direction: column;
    text-align: center;
  }
}
  width: 6px;
  height: 6px;
  background: var(--brand-500);
  border-radius: 50%;
}

.terms-contact-note {
  margin-top: 2.5rem;
  padding: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.terms-contact-note h2 {
  font-size: 1.15rem;
  margin-bottom: 0.25rem;
}

.terms-contact-note p {
  font-size: 0.92rem;
  color: var(--text-secondary);
}

/* ---------- Responsive ---------- */
@media (max-width: 768px) {
  .terms-hero { min-height: 38vh; padding: 7rem 0 2.5rem; }
  .terms-article h2 { font-size: 1.05rem; }
  .terms-article ul li { font-size: 0.88rem; }
  .terms-contact-note { align-items: stretch; flex-direction: column; }
  .terms-contact-note .btn { width: 100%; }
}