.page-disclaimer {
  --plan-hero-from: #0B1E36;
  --plan-hero-to: #0E5C3F;
  --plan-green: #1F8A5B;
  --plan-gold: #D4A017;
  --plan-ink: #1B2A23;
  --plan-muted: #5A6B5F;
  --plan-line: rgba(27, 42, 35, 0.10);
  --plan-soft: #E8F5EE;
  background:
    radial-gradient(circle at 90% 0%, rgba(31, 138, 91, 0.12), transparent 340px),
    linear-gradient(180deg, var(--plan-soft) 0%, #F4F6F8 100%);
}

.page-disclaimer .terms-wrap {
  max-width: 1280px;
  margin: 0 auto;
  padding: 32px 16px 64px;
}

/* ===== Hero ===== */
.page-disclaimer .terms-hero {
  position: relative;
  overflow: hidden;
  isolation: isolate;
  background: linear-gradient(135deg, var(--plan-hero-from) 0%, var(--plan-hero-to) 68%, var(--plan-green) 100%);
  border-radius: 32px;
  padding: 32px 20px 24px;
  color: #FFFFFF;
  box-shadow: 0 20px 48px rgba(11, 30, 54, 0.22);
}

.page-disclaimer .terms-hero::before {
  content: "TERMS";
  position: absolute;
  right: -18px;
  top: 4px;
  z-index: -1;
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: 72px;
  line-height: 1;
  letter-spacing: -2px;
  white-space: nowrap;
  color: rgba(255, 255, 255, 0.05);
  pointer-events: none;
}

.page-disclaimer .terms-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
}

.page-disclaimer .terms-hero-inner {
  display: grid;
  gap: 20px;
}

.page-disclaimer .terms-hero-copy {
  min-width: 0;
}

.page-disclaimer .terms-hero .breadcrumbs {
  display: block;
  margin-bottom: 16px;
}

.page-disclaimer .terms-hero .breadcrumbs-list {
  display: inline-flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 6px 12px;
  background: rgba(255, 255, 255, 0.10);
  border-radius: 999px;
  font-size: 13px;
}

.page-disclaimer .terms-hero .breadcrumbs-list li + li::before {
  content: "/";
  color: rgba(255, 255, 255, 0.45);
}

.page-disclaimer .terms-hero .breadcrumbs-list a {
  color: rgba(255, 255, 255, 0.80);
  text-decoration: none;
}

.page-disclaimer .terms-hero .breadcrumbs-list li[aria-current="page"] {
  color: var(--color-highlight-gold);
}

.page-disclaimer .terms-hero h1 {
  margin: 16px 0 12px;
  font-size: 34px;
  line-height: 1.1;
  letter-spacing: -0.5px;
  color: #FFFFFF;
}

.page-disclaimer .terms-hero-lead {
  max-width: 640px;
  margin: 0;
  font-size: 16px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.82);
}

.page-disclaimer .terms-hero-emblem {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 24px;
  padding: 20px 16px;
  min-height: 168px;
}

.page-disclaimer .terms-balance {
  width: 84px;
  height: 84px;
  display: block;
}

.page-disclaimer .terms-emblem-caption {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.12em;
  color: var(--color-highlight-gold);
}

.page-disclaimer .terms-banner-frame {
  margin: 28px 0 0;
  border: 1px solid rgba(255, 255, 255, 0.20);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 16px 32px rgba(11, 30, 54, 0.18);
}

.page-disclaimer .terms-banner-frame img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
}

.page-disclaimer .terms-banner-frame figcaption {
  padding: 10px 16px;
  background: rgba(255, 255, 255, 0.10);
  font-size: 13px;
  color: rgba(255, 255, 255, 0.80);
  letter-spacing: 0.04em;
  text-align: right;
}

/* ===== Body Layout ===== */
.page-disclaimer .terms-body {
  margin-top: 36px;
}

.page-disclaimer .terms-toc-caption {
  margin: 0 0 14px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--plan-muted);
}

.page-disclaimer .terms-toc-nav {
  display: flex;
  flex-wrap: nowrap;
  overflow-x: auto;
  gap: 10px;
  margin: 0 -16px;
  padding: 0 16px 10px;
  scrollbar-width: none;
  -webkit-overflow-scrolling: touch;
}

.page-disclaimer .terms-toc-nav::-webkit-scrollbar {
  display: none;
}

.page-disclaimer .terms-toc-link {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  background: #FFFFFF;
  border: 1px solid var(--plan-line);
  border-radius: 999px;
  font-size: 14px;
  font-weight: 500;
  color: var(--plan-ink);
  text-decoration: none;
  transition: border-color var(--transition-fast), color var(--transition-fast), background var(--transition-fast);
}

.page-disclaimer .terms-toc-link:hover {
  border-color: var(--plan-gold);
  color: var(--color-dark-green);
  background: var(--plan-soft);
}

.page-disclaimer .terms-toc-index {
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 700;
  color: var(--plan-gold);
}

.page-disclaimer .terms-toc-note {
  display: none;
}

/* ===== Content Sections ===== */
.page-disclaimer .terms-content {
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.page-disclaimer .terms-section {
  background: #FFFFFF;
  border-radius: 28px;
  border-top: 4px solid var(--plan-green);
  padding: 28px 20px 32px;
  box-shadow: 0 4px 20px rgba(11, 30, 54, 0.06);
}

.page-disclaimer .terms-section-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
}

.page-disclaimer .terms-section-index {
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 700;
  color: var(--plan-gold);
}

.page-disclaimer .terms-section-head h2 {
  margin: 0;
  font-size: 24px;
  line-height: 1.2;
  color: var(--plan-ink);
}

.page-disclaimer .terms-section-body p {
  margin: 0 0 16px;
  font-size: 16px;
  line-height: 1.75;
  color: var(--plan-ink);
}

.page-disclaimer .terms-section-body ul {
  margin: 0 0 18px;
  padding-left: 20px;
  display: grid;
  gap: 10px;
}

.page-disclaimer .terms-section-body li {
  font-size: 16px;
  line-height: 1.65;
  color: var(--plan-ink);
}

.page-disclaimer .terms-section-body li::marker {
  color: var(--plan-gold);
}

.page-disclaimer .terms-note-block {
  margin: 20px 0 18px;
  padding: 16px 18px;
  background: linear-gradient(135deg, #FFF9E8, #FFF3D4);
  border: 1px solid rgba(212, 160, 23, 0.24);
  border-radius: 18px;
}

.page-disclaimer .terms-note-block strong {
  display: block;
  margin-bottom: 6px;
  font-size: 15px;
  color: #8A6510;
}

.page-disclaimer .terms-note-block p {
  margin: 0;
  font-size: 14px;
  line-height: 1.65;
  color: #5C4A16;
}

.page-disclaimer .terms-cross {
  margin-top: 6px;
  padding: 14px 18px;
  background: var(--plan-soft);
  border-radius: 16px;
}

.page-disclaimer .terms-cross p {
  margin: 0;
  font-size: 14px;
  line-height: 1.6;
  color: var(--plan-ink);
}

.page-disclaimer .terms-cross a {
  color: var(--color-bright-blue);
  font-weight: 600;
  text-decoration: none;
  border-bottom: 1px solid rgba(46, 110, 158, 0.5);
}

.page-disclaimer .terms-cross a:hover {
  color: var(--color-green);
  border-bottom-color: var(--color-green);
}

/* ===== After Cards ===== */
.page-disclaimer .terms-after {
  margin-top: 44px;
}

.page-disclaimer .terms-after h2 {
  margin: 0 0 18px;
  font-size: 28px;
  color: var(--plan-ink);
  position: relative;
  padding-left: 16px;
}

.page-disclaimer .terms-after h2::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.14em;
  bottom: 0.14em;
  width: 6px;
  background: linear-gradient(180deg, var(--plan-gold), var(--color-highlight-gold));
  border-radius: 999px;
}

.page-disclaimer .terms-after-grid {
  display: grid;
  gap: 14px;
}

.page-disclaimer .terms-after-card {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 20px;
  background: #FFFFFF;
  border: 1px solid var(--plan-line);
  border-radius: 22px;
  text-decoration: none;
  color: var(--plan-ink);
  box-shadow: 0 4px 16px rgba(11, 30, 54, 0.04);
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-fast);
}

.page-disclaimer .terms-after-card:hover {
  transform: translateY(-4px);
  border-color: rgba(31, 138, 91, 0.45);
  box-shadow: 0 14px 32px rgba(11, 30, 54, 0.10);
}

.page-disclaimer .terms-after-icon {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 700;
  color: var(--plan-green);
}

.page-disclaimer .terms-after-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--plan-ink);
}

.page-disclaimer .terms-after-desc {
  font-size: 14px;
  line-height: 1.55;
  color: var(--plan-muted);
}

/* ===== Desktop ===== */
@media (min-width: 900px) {
  .page-disclaimer .terms-wrap {
    padding: 48px 40px 88px;
  }

  .page-disclaimer .terms-hero {
    padding: 56px 48px 32px;
    border-radius: 40px;
  }

  .page-disclaimer .terms-hero::before {
    font-size: 128px;
    right: -20px;
    top: -6px;
  }

  .page-disclaimer .terms-hero-inner {
    grid-template-columns: minmax(0, 1.25fr) minmax(220px, 0.75fr);
    gap: 40px;
    align-items: center;
  }

  .page-disclaimer .terms-hero h1 {
    margin: 20px 0 16px;
    font-size: clamp(46px, 5vw, 68px);
  }

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

  .page-disclaimer .terms-hero-emblem {
    min-height: 200px;
  }

  .page-disclaimer .terms-balance {
    width: 104px;
    height: 104px;
  }

  .page-disclaimer .terms-banner-frame {
    margin-top: 36px;
    border-radius: 24px;
  }

  .page-disclaimer .terms-body {
    display: grid;
    grid-template-columns: 260px minmax(0, 1fr);
    gap: 48px;
    margin-top: 56px;
    align-items: start;
  }

  .page-disclaimer .terms-toc {
    position: sticky;
    top: 112px;
    display: block;
  }

  .page-disclaimer .terms-toc-caption {
    margin-bottom: 18px;
    font-size: 14px;
  }

  .page-disclaimer .terms-toc-nav {
    flex-direction: column;
    gap: 2px;
    margin: 0;
    padding: 0;
    overflow: visible;
    border-left: 2px solid var(--plan-line);
  }

  .page-disclaimer .terms-toc-link {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 16px;
    background: transparent;
    border: none;
    border-radius: 14px;
    font-size: 15px;
    font-weight: 600;
  }

  .page-disclaimer .terms-toc-link:hover {
    background: var(--plan-soft);
    border: none;
  }

  .page-disclaimer .terms-toc-note {
    display: block;
    margin-top: 28px;
    padding: 18px;
    background: #FFFFFF;
    border: 1px solid var(--plan-line);
    border-radius: 18px;
  }

  .page-disclaimer .terms-toc-note strong {
    display: block;
    margin-bottom: 8px;
    font-size: 15px;
    color: var(--plan-ink);
  }

  .page-disclaimer .terms-toc-note p {
    margin: 0 0 14px;
    font-size: 13px;
    line-height: 1.6;
    color: var(--plan-muted);
  }

  .page-disclaimer .terms-toc-contact {
    display: inline-flex;
    padding: 8px 16px;
    background: var(--plan-green);
    color: #FFFFFF;
    border-radius: 999px;
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    transition: background var(--transition-fast);
  }

  .page-disclaimer .terms-toc-contact:hover {
    background: var(--color-dark-green);
  }

  .page-disclaimer .terms-content {
    gap: 28px;
  }

  .page-disclaimer .terms-section {
    padding: 38px 40px 44px;
    border-radius: 32px;
  }

  .page-disclaimer .terms-section-head {
    margin-bottom: 24px;
  }

  .page-disclaimer .terms-section-head h2 {
    font-size: 30px;
  }

  .page-disclaimer .terms-section-body p {
    font-size: 17px;
  }

  .page-disclaimer .terms-section-body li {
    font-size: 17px;
  }

  .page-disclaimer .terms-after {
    margin-top: 64px;
  }

  .page-disclaimer .terms-after-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }

  .page-disclaimer .terms-after-card {
    padding: 28px;
  }
}