/* Terms page — from the design canvas */
  :root { color-scheme: only light; }
  html { scroll-behavior: smooth; scroll-padding-top: 96px; }
  body { margin: 0; --brand: #16597B; --accent: #D4652A; --brand-deep: #0D3A50; --brand-ink: #082736; --canvas: #F2F5F7; --ink: #0B1A22; --body: #2B3B45; --muted: #5A6B76; --line: #E1E8EC; font-family: 'Onest', ui-sans-serif, system-ui, sans-serif; color: var(--ink); background: var(--canvas); -webkit-font-smoothing: antialiased; }
  * { box-sizing: border-box; }
  h1, h2, h3, p { margin: 0; }
  a { color: inherit; text-decoration: none; }
  button { font: inherit; color: inherit; }
  .page { --accent-soft: color-mix(in srgb, var(--accent) 40%, white); --accent-btn: color-mix(in srgb, var(--accent) 88%, black); --brand-tint: color-mix(in srgb, var(--brand) 9%, white); overflow-x: clip; }
  .wrap { max-width: 1200px; margin: 0 auto; padding-inline: clamp(20px, 4vw, 48px); }
  .ic { width: 20px; height: 20px; fill: currentColor; flex-shrink: 0; }
  .ic-s { width: 16px; height: 16px; }
  .eo { fill-rule: evenodd; }
  .st { fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
  .sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; }
  .skip { position: absolute; left: 16px; top: -80px; z-index: 100; padding: 12px 18px; border-radius: 12px; background: #fff; color: var(--ink); font-weight: 600; box-shadow: 0 10px 24px -12px rgba(11,26,34,.4); transition: top .2s; }
  .skip:focus { top: 12px; }
  main:focus { outline: none; }
  :focus-visible { outline: 3px solid var(--brand); outline-offset: 3px; }
  .footer :focus-visible { outline-color: #fff; }

  .site-header { position: sticky; top: 0; z-index: 60; background: rgba(242,245,247,.72); backdrop-filter: blur(10px); transition: background .3s, box-shadow .3s; }
  .site-header.scrolled { background: rgba(255,255,255,.9); box-shadow: 0 1px 0 var(--line), 0 12px 32px -22px rgba(11,26,34,.35); }
  .hdr { height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
  .brand { display: flex; align-items: center; gap: 12px; }
  .brand .mark { width: 42px; height: 38px; }
  .brand-text { display: flex; flex-direction: column; line-height: 1.1; }
  .brand-text b { font-size: 19px; font-weight: 700; color: var(--brand); letter-spacing: .01em; }
  .brand-text span { font-size: 11.5px; font-weight: 500; color: var(--muted); }
  .nav { display: flex; align-items: center; gap: 32px; }
  .nav a { font-size: 15px; font-weight: 500; background: linear-gradient(var(--accent), var(--accent)) left bottom / 0 2px no-repeat; padding-bottom: 3px; transition: background-size .3s; }
  .nav a:hover { background-size: 100% 2px; }
  .hdr-cta { display: flex; align-items: center; gap: 10px; }
  .menu-btn { display: none; width: 44px; height: 44px; border-radius: 999px; border: 0; background: #fff; box-shadow: 0 1px 2px rgba(11,26,34,.08); align-items: center; justify-content: center; cursor: pointer; }
  .call-ic { display: none; width: 44px; height: 44px; border-radius: 999px; background: #fff; color: var(--brand); box-shadow: 0 1px 2px rgba(11,26,34,.08); place-items: center; }
  .mobile-menu { padding: 8px 20px 20px; display: flex; flex-direction: column; gap: 4px; background: #fff; border-top: 1px solid var(--line); }
  .mobile-menu a { padding: 12px 4px; font-size: 16px; font-weight: 500; border-bottom: 1px solid var(--line); }
  .mobile-menu .mm-cta { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
  .mobile-menu .mm-cta .btn { padding: 0 26px; border-bottom: 0; }

  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; height: 52px; padding: 0 26px; border-radius: 999px; font-size: 16px; font-weight: 600; border: 0; cursor: pointer; transition: transform .2s, background .2s; white-space: nowrap; }
  .btn:hover { transform: translateY(-2px); }
  .btn-accent { background: var(--accent-btn); color: #fff; }
  .btn-white { background: #fff; color: var(--ink); box-shadow: 0 1px 2px rgba(11,26,34,.06), 0 8px 20px -12px rgba(11,26,34,.2); }
  .btn-sm { height: 42px; padding: 0 18px; font-size: 14.5px; }
  .badge { display: inline-flex; align-items: center; gap: 8px; height: 34px; padding: 0 15px 0 12px; border-radius: 999px; background: #fff; font-size: 12px; font-weight: 500; letter-spacing: .09em; text-transform: uppercase; box-shadow: 0 1px 2px rgba(11,26,34,.05); }
  .badge .ic { color: var(--accent); width: 16px; height: 16px; }
  .draft { display: inline-flex; align-items: center; height: 30px; padding: 0 12px; border-radius: 999px; background: #FCEBDD; color: #93430F; font-size: 12.5px; font-weight: 600; }

  .page-hero { padding-block: clamp(48px, 7vw, 88px) clamp(32px, 4vw, 48px); }
  .page-hero .row { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
  .page-hero h1 { font-size: clamp(36px, 4.6vw, 56px); font-weight: 600; letter-spacing: -0.028em; line-height: 1.06; margin-top: 22px; }
  .page-hero .lead { font-size: 18px; line-height: 1.7; color: var(--body); margin-top: 16px; max-width: 640px; }

  .legal { display: grid; grid-template-columns: 260px minmax(0,1fr); gap: clamp(32px, 5vw, 64px); align-items: start; padding-bottom: clamp(48px, 6vw, 80px); }
  .toc { position: sticky; top: 100px; background: #fff; border-radius: 22px; padding: 22px; box-shadow: 0 1px 2px rgba(11,26,34,.04); }
  .toc h2 { font-size: 13px; font-weight: 600; letter-spacing: .09em; text-transform: uppercase; color: var(--muted); }
  .toc ol { list-style: none; padding: 0; margin: 14px 0 0; display: flex; flex-direction: column; gap: 4px; }
  .toc a { display: block; padding: 8px 10px; border-radius: 10px; font-size: 15px; color: var(--body); }
  .toc a:hover { background: var(--canvas); color: var(--ink); }
  .doc { background: #fff; border-radius: 28px; padding: clamp(24px, 4vw, 52px); box-shadow: 0 1px 2px rgba(11,26,34,.04), 0 18px 40px -32px rgba(11,26,34,.35); }
  .doc section + section { margin-top: 34px; padding-top: 34px; border-top: 1px solid var(--line); }
  .doc h2 { font-size: clamp(22px, 2.2vw, 26px); font-weight: 600; letter-spacing: -0.015em; scroll-margin-top: 100px; }
  .doc p, .doc li { font-size: 17px; line-height: 1.75; color: var(--body); }
  .doc p { margin-top: 10px; }
  .doc a { color: var(--brand); text-decoration: underline; text-underline-offset: 2px; }
  .callout { margin-top: 14px; padding: 18px 20px; border-radius: 16px; background: var(--brand-tint); border-left: 0; }
  .callout p { margin: 0; color: var(--ink); font-weight: 500; }
  .doc-foot { margin-top: 34px; padding: 18px 20px; border-radius: 16px; background: var(--canvas); font-size: 15px; line-height: 1.6; color: var(--muted); }

  .footer { background: var(--brand-ink); color: rgba(255,255,255,.72); padding-block: 56px 28px; }
  .fgrid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.4fr; gap: 40px; }
  .fh { font-size: 14px; font-weight: 600; color: #fff; margin-bottom: 16px; }
  .flinks { display: flex; flex-direction: column; gap: 12px; font-size: 15px; }
  .flinks a:hover, .fbot a:hover { color: #fff; }
  .fc { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; line-height: 1.55; }
  .fc + .fc { margin-top: 14px; }
  .fc .ic { color: var(--accent-soft); margin-top: 2px; }
  .fc span, .fc a { overflow-wrap: anywhere; }
  .fbot { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; margin-top: 44px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); font-size: 13.5px; color: rgba(255,255,255,.5); }
  .fbot-links { display: flex; gap: 22px; flex-wrap: wrap; }

  @media (max-width: 960px) {
    .nav, .hdr-cta .btn-white { display: none; }
    .menu-btn { display: inline-flex; }
    .call-ic { display: inline-grid; }
    .legal { grid-template-columns: minmax(0,1fr); }
    .toc { position: static; }
    .fgrid { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 640px) {
    .hdr-cta .btn-accent { display: none; }
    .fgrid { grid-template-columns: minmax(0,1fr); }
  }
  @media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { animation: none !important; transition: none !important; }
  }

  /* Services dropdown */
  .has-sub { position: relative; display: flex; align-items: center; gap: 2px; }
  .sub-btn { width: 28px; height: 28px; margin-left: 2px; border: 0; border-radius: 50%; background: transparent; color: inherit; display: grid; place-items: center; cursor: pointer; padding: 0; transition: background .2s, color .2s; }
  .sub-btn:hover, .has-sub.open .sub-btn { background: color-mix(in srgb, var(--brand) 10%, white); color: var(--brand); }
  .sub-btn svg { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s; }
  .has-sub.open .sub-btn svg { transform: rotate(180deg); }
  .sub { display: none; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); padding-top: 18px; width: 420px; z-index: 70; }
  .has-sub.open .sub { display: block; animation: subIn .2s cubic-bezier(.2,.75,.2,1) both; }
  @keyframes subIn { from { opacity: 0; transform: translate(-50%, -6px); } to { opacity: 1; transform: translate(-50%, 0); } }
  .sub-card { background: #fff; border-radius: 24px; padding: 10px; box-shadow: 0 1px 2px rgba(11,26,34,.06), 0 28px 56px -28px rgba(11,26,34,.45); }
  .sub-card ul { list-style: none; margin: 0; padding: 0; }
  .nav .sub a { background: none; padding-bottom: 0; }
  .nav .sub-card li a { display: flex; align-items: flex-start; gap: 14px; padding: 12px; border-radius: 16px; transition: background .2s; }
  .nav .sub-card li a:hover, .nav .sub-card li a[aria-current="page"] { background: var(--canvas, #F2F5F7); }
  .sub-ic { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; flex-shrink: 0; background: color-mix(in srgb, var(--brand) 9%, white); color: var(--brand); }
  .sub-ic.or { background: color-mix(in srgb, var(--accent) 14%, white); color: color-mix(in srgb, var(--accent) 80%, black); }
  .sub-ic svg { width: 20px; height: 20px; fill: currentColor; }
  .sub-t { display: flex; flex-direction: column; gap: 3px; }
  .sub-t b { font-size: 15px; font-weight: 600; color: var(--ink, #0B1A22); }
  .sub-t small { font-size: 13.5px; line-height: 1.4; color: var(--muted, #5A6B76); font-weight: 400; }
  .nav .sub-card li a[aria-current="page"] .sub-t b { color: var(--brand); }
  .nav .sub-all { display: flex; align-items: center; justify-content: space-between; margin-top: 6px; padding: 14px 14px 10px; border-top: 1px solid var(--line, #E1E8EC); font-size: 14.5px; font-weight: 600; color: var(--brand); }
  .sub-all svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s; }
  .nav .sub-all:hover svg { transform: translateX(3px); }
  .mobile-menu .mm-sub { display: flex; flex-direction: column; padding: 2px 0 6px 18px; border-bottom: 1px solid var(--line, #E1E8EC); }
  .mobile-menu .mm-sub a { border-bottom: 0; padding: 10px 4px; font-size: 15px; color: var(--body, #2B3B45); }
  .mobile-menu .mm-sub a[aria-current="page"] { color: var(--brand); font-weight: 600; }
  @media (prefers-reduced-motion: reduce) { .has-sub.open .sub { animation: none; } .sub-btn svg { transition: none; } }