.terms-hero .breadcrumb{margin-bottom:18px}.terms-hero h1{max-width:820px}.terms-hero p{max-width:880px}.factstrip{background:#fff;margin-top:-30px;position:relative;z-index:5}.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;background:#fff;border-radius:16px;box-shadow:0 14px 38px rgba(10,42,102,.12);padding:26px 30px}.fact{text-align:center;position:relative}.fact:not(:last-child):after{content:"";position:absolute;right:-10px;top:12%;height:76%;width:1px;background:var(--line)}.fact b{display:block;font-family:var(--display);font-weight:800;font-size:1.5rem;color:var(--navy);line-height:1}.fact span{display:block;font-size:.78rem;color:var(--slate);margin-top:5px}.terms-meta .fact b{font-size:clamp(1.05rem,2vw,1.35rem)}.terms-meta .fact span{line-height:1.4}@media(max-width:1080px){.facts{grid-template-columns:repeat(2,1fr);gap:24px}.fact:nth-child(2):after{display:none}}@media(max-width:560px){.facts{grid-template-columns:1fr}.fact:after{display:none}}.terms-intro-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(280px,.75fr);gap:36px;align-items:start}.terms-intro-card{background:#fff;border:1px solid rgba(14,44,92,.1);border-radius:22px;padding:30px;box-shadow:0 14px 40px rgba(14,44,92,.07)}.terms-intro-card p{margin:0 0 16px;line-height:1.8;color:#4c5870}.terms-intro-card p:last-child{margin-bottom:0}.terms-summary{background:var(--blue-tint,#f3f7ff);border-radius:22px;padding:28px;border:1px solid rgba(42,92,170,.1)}.terms-summary h3{margin:0 0 16px;color:var(--navy,#0d2b57);font-size:1.15rem}.terms-summary ul{margin:0;padding-left:20px;display:grid;gap:9px;color:#4c5870}.terms-policy-sec{background:#f8faff}.terms-layout{display:grid;grid-template-columns:290px minmax(0,1fr);gap:34px;align-items:start}.terms-toc{position:sticky;top:110px;background:#fff;border:1px solid rgba(14,44,92,.1);border-radius:20px;padding:22px;box-shadow:0 12px 35px rgba(14,44,92,.06)}.terms-toc .toc-title{display:block;font-size:.78rem;letter-spacing:.11em;text-transform:uppercase;font-weight:800;color:#b07b22;margin-bottom:14px}.terms-toc nav{display:grid;gap:5px}.terms-toc a{display:flex;gap:10px;align-items:flex-start;padding:8px 9px;border-radius:10px;color:#42506a;text-decoration:none;font-size:.86rem;line-height:1.35;transition:.2s ease}.terms-toc a:hover{background:var(--blue-tint,#f3f7ff);color:var(--navy,#0d2b57)}.terms-toc .toc-num{font-weight:800;color:#1a4ba5;min-width:24px}.terms-content{display:grid;gap:20px}.terms-card{background:#fff;border:1px solid rgba(14,44,92,.1);border-radius:22px;padding:clamp(24px,4vw,38px);box-shadow:0 12px 36px rgba(14,44,92,.055);scroll-margin-top:110px}.terms-card-head{display:flex;gap:16px;align-items:flex-start;margin-bottom:18px}.terms-num{width:48px;height:48px;flex:0 0 48px;display:grid;place-items:center;border-radius:14px;background:var(--blue-tint,#eef4ff);color:#1a4ba5;font-weight:800;font-size:.88rem}.terms-card h2{margin:2px 0 0;color:var(--navy,#0d2b57);font-size:clamp(1.25rem,2.5vw,1.65rem);line-height:1.25}.terms-card h3{margin:24px 0 10px;color:var(--navy,#0d2b57);font-size:1.02rem}.terms-card p{margin:0 0 14px;color:#4d596f;line-height:1.8}.terms-card p:last-child{margin-bottom:0}.terms-card ul{margin:12px 0 18px;padding-left:22px;color:#4d596f;display:grid;gap:8px}.terms-card li{line-height:1.65;padding-left:2px}.terms-highlight{margin:18px 0;padding:17px 19px;border-left:4px solid #c8942f;background:#fff9ee;border-radius:0 12px 12px 0;color:#3e4a61;line-height:1.7}.terms-note{margin-top:20px;padding:18px 20px;border-radius:14px;background:var(--blue-tint,#f3f7ff);color:#3f4d66;line-height:1.7}.terms-contact-box{margin-top:18px;padding:22px;border-radius:16px;background:#f8faff;border:1px solid rgba(14,44,92,.08)}.terms-contact-box strong{display:block;color:var(--navy,#0d2b57);margin-bottom:8px}.terms-contact-box a{word-break:break-word}.terms-backtop,.terms-contact-box a{color:#1a4ba5;text-decoration:none;font-weight:700}.terms-backtop{display:inline-flex;margin-top:14px;font-size:.88rem}@media(max-width:900px){.terms-intro-grid,.terms-layout{grid-template-columns:1fr}.terms-toc{position:relative;top:auto}.terms-toc nav{grid-template-columns:1fr 1fr}}@media(max-width:620px){.terms-toc nav{grid-template-columns:1fr}.terms-card{border-radius:18px}.terms-card-head{gap:12px}.terms-num{width:42px;height:42px;flex-basis:42px}.terms-intro-card,.terms-summary{padding:22px}}