html,
body {
    margin: 0;
    min-height: 100%;
    background:
        radial-gradient(circle at top left, rgba(5, 110, 175, 0.18), transparent 28%),
        linear-gradient(180deg, #f4f7fb 0%, #eaf0f6 100%);
    color: #13202c;
    font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

body {
    --page-inline-padding: 16px;
    display: flex;
    flex-direction: column;
    min-height: 100vh;
    padding: 28px var(--page-inline-padding) 0;
}

.terms-shell {
    width: min(960px, 100%);
    margin: 0 auto;
    flex: 1 0 auto;
}

.terms-hero,
.terms-card {
    background: rgba(255, 255, 255, 0.94);
    border: 1px solid rgba(19, 32, 44, 0.08);
    border-radius: 24px;
    box-shadow: 0 24px 70px rgba(17, 24, 39, 0.1);
}

.terms-hero {
    padding: 28px;
    margin-bottom: 18px;
}

.eyebrow {
    margin: 0 0 10px;
    color: #056eaf;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-size: 0.76rem;
    font-weight: 700;
}

.terms-hero h1 {
    margin: 0;
    font-size: clamp(2rem, 4vw, 3.2rem);
    line-height: 1.06;
}

.effective-date {
    margin: 14px 0 0;
    color: #516274;
    font-weight: 600;
}

.terms-card {
    padding: 28px;
    line-height: 1.8;
}

.terms-card h2 {
    margin: 0 0 12px;
    font-size: 1.3rem;
}

.terms-card h3 {
    margin: 18px 0 8px;
    font-size: 1rem;
}

.terms-card p {
    margin: 0 0 14px;
}

.terms-card ul {
    margin: 0 0 16px 20px;
    padding: 0;
}

.terms-card li {
    margin-bottom: 6px;
}

.terms-card hr {
    border: 0;
    border-top: 1px solid rgba(19, 32, 44, 0.1);
    margin: 24px 0;
}

.terms-card a {
    color: #056eaf;
}

.contact-list {
    list-style: none;
    margin-left: 0;
}

@media (max-width: 640px) {
    .terms-hero,
    .terms-card {
        padding: 20px;
        border-radius: 18px;
    }
}