.page-disclaimer {
  background: var(--cream);
}

.page-disclaimer .terms-hero {
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: flex-end;
  min-height: 420px;
  background: var(--deep-blue);
}

.page-disclaimer .terms-hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  z-index: 3;
  background: linear-gradient(90deg, var(--gold), var(--bright-green) 70%, transparent);
}

.page-disclaimer .terms-hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.page-disclaimer .terms-hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(10, 31, 68, .92) 4%, rgba(10, 31, 68, .62) 48%, rgba(10, 31, 68, .2) 100%);
}

.page-disclaimer .terms-hero-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.page-disclaimer .terms-hero-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  padding-top: 40px;
  padding-bottom: 38px;
}

.page-disclaimer .terms-hero .breadcrumb {
  margin-bottom: 18px;
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--rock);
}

.page-disclaimer .terms-hero .breadcrumb a {
  color: var(--cream);
  text-decoration: none;
  transition: var(--transition);
}

.page-disclaimer .terms-hero .breadcrumb a:hover {
  color: var(--gold);
}

.page-disclaimer .terms-hero .breadcrumb .sep {
  margin: 0 8px;
  color: var(--gold);
}

.page-disclaimer .terms-hero-kicker {
  margin: 0 0 8px;
  color: var(--gold);
}

.page-disclaimer .terms-hero h1 {
  margin: 0 0 10px;
  font-family: var(--font-head);
  font-size: clamp(38px, 8vw, 56px);
  line-height: 1.05;
  letter-spacing: .03em;
  color: var(--cream);
}

.page-disclaimer .terms-hero h1::after {
  content: "";
  display: block;
  width: 64px;
  height: 4px;
  margin-top: 14px;
  background: var(--gold);
}

.page-disclaimer .terms-hero-lead {
  max-width: 620px;
  margin: 0 0 16px;
  font-size: 15px;
  line-height: 1.8;
  color: var(--rock);
}

.page-disclaimer .terms-hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.page-disclaimer .terms-toc {
  display: grid;
  gap: 20px;
  padding: 34px 0 10px;
}

.page-disclaimer .terms-toc-card,
.page-disclaimer .terms-toc-note {
  border-radius: var(--radius-md);
  padding: 20px 22px;
  box-shadow: var(--shadow-panel);
}

.page-disclaimer .terms-toc-card {
  background: var(--cream);
  border: 1px solid var(--light-gray);
}

.page-disclaimer .terms-toc-note {
  background: var(--deep-blue);
  border: 1px solid var(--deep-blue);
  color: var(--cream);
}

.page-disclaimer .toc-index {
  margin: 0 0 10px;
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

.page-disclaimer .terms-toc-note .toc-index {
  color: var(--gold);
}

.page-disclaimer .terms-toc-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.page-disclaimer .terms-toc-list a {
  display: flex;
  align-items: baseline;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px dashed var(--light-gray);
  font-family: var(--font-mono);
  font-size: 14px;
  color: var(--charcoal);
  text-decoration: none;
  transition: var(--transition);
}

.page-disclaimer .terms-toc-list li:last-child a {
  border-bottom: none;
}

.page-disclaimer .terms-toc-list a:hover {
  padding-left: 6px;
  color: var(--gold-deep);
}

.page-disclaimer .toc-num {
  font-weight: 700;
  color: var(--gold);
}

.page-disclaimer .terms-toc-note p {
  font-size: 14px;
  line-height: 1.85;
  color: var(--rock);
}

.page-disclaimer .terms-toc-note .btn-ghost {
  margin-top: 14px;
  border-color: var(--gold);
  color: var(--gold);
}

.page-disclaimer .terms-toc-note .btn-ghost:hover {
  background: var(--gold);
  color: var(--deep-blue);
}

.page-disclaimer .terms-grid {
  display: grid;
  gap: 26px;
  padding: 26px 0 40px;
}

.page-disclaimer .terms-section {
  position: relative;
}

.page-disclaimer .term-index {
  position: relative;
  z-index: 2;
  margin: 0 0 -18px 14px;
  font-family: var(--font-mono);
  font-size: 52px;
  font-weight: 700;
  line-height: 1;
  color: var(--gold);
  opacity: .5;
  text-shadow: 0 2px 0 rgba(10, 31, 68, .15);
}

.page-disclaimer .term-card {
  position: relative;
  border-radius: var(--radius-lg);
  padding: 26px 22px 20px;
  box-shadow: var(--shadow-panel);
  transition: transform .25s ease, box-shadow .25s ease;
}

.page-disclaimer .term-card:hover {
  box-shadow: var(--shadow-card);
  transform: translateY(-2px);
}

.page-disclaimer .term-card-light {
  background: var(--cream);
  border: 1px solid var(--light-gray);
}

.page-disclaimer .term-card-dark {
  background: var(--deep-blue-2);
  border: 1px solid var(--ink-blue);
  color: var(--cream);
}

.page-disclaimer .term-card-accent {
  background: var(--cream);
  border: 1px solid rgba(184, 92, 56, .3);
}

.page-disclaimer .term-card-accent::before {
  content: "";
  position: absolute;
  top: 0;
  left: 28px;
  right: 28px;
  height: 3px;
  border-radius: 0 0 3px 3px;
  background: var(--terracotta);
}

.page-disclaimer .term-card-head {
  margin-bottom: 12px;
}

.page-disclaimer .term-card-head .sec-index {
  color: var(--gold-deep);
}

.page-disclaimer .term-card-dark .term-card-head .sec-index {
  color: var(--gold);
}

.page-disclaimer .term-card-head h2 {
  margin: 6px 0 0;
  font-family: var(--font-head);
  font-size: 26px;
  line-height: 1.2;
  letter-spacing: .02em;
  color: var(--deep-blue);
}

.page-disclaimer .term-card-dark .term-card-head h2 {
  color: var(--cream);
}

.page-disclaimer .term-card-body p {
  margin: 0 0 10px;
  font-size: 14px;
  line-height: 1.85;
  color: var(--charcoal);
}

.page-disclaimer .term-card-dark .term-card-body p {
  color: var(--light-gray);
}

.page-disclaimer .term-list {
  display: grid;
  gap: 10px;
  margin: 14px 0;
  padding: 0;
  list-style: none;
}

.page-disclaimer .term-list li {
  position: relative;
  padding-left: 20px;
  font-size: 14px;
  line-height: 1.8;
  color: var(--charcoal);
}

.page-disclaimer .term-card-dark .term-list li {
  color: var(--light-gray);
}

.page-disclaimer .term-list li::before {
  content: "";
  position: absolute;
  top: .8em;
  left: 2px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
}

.page-disclaimer .term-card-dark .term-list li::before {
  background: var(--bright-green);
}

.page-disclaimer .term-list strong {
  font-weight: 600;
  color: var(--deep-blue);
}

.page-disclaimer .term-card-dark .term-list strong {
  color: var(--cream);
}

.page-disclaimer .term-alert {
  margin-top: 16px;
  padding: 12px 14px;
  border: 1px solid rgba(184, 92, 56, .3);
  border-left-width: 4px;
  border-left-color: var(--terracotta);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  background: rgba(184, 92, 56, .06);
}

.page-disclaimer .term-alert .tag {
  font-family: var(--font-mono);
}

.page-disclaimer .term-alert p {
  margin: 8px 0 0;
  font-size: 13px;
  line-height: 1.7;
  color: var(--charcoal);
}

.page-disclaimer .term-card-dark .term-alert {
  background: rgba(184, 92, 56, .18);
  border-left-color: var(--terracotta);
}

.page-disclaimer .term-card-dark .term-alert p {
  color: var(--cream);
}

.page-disclaimer .term-card-foot {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 6px 18px;
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px dashed var(--light-gray);
  font-family: var(--font-mono);
}

.page-disclaimer .term-card-dark .term-card-foot {
  border-top-color: var(--ink-blue);
}

.page-disclaimer .term-card-foot .data-label {
  font-size: 11px;
  letter-spacing: .08em;
  color: var(--rock);
}

.page-disclaimer .term-card-foot .data-value {
  font-size: 18px;
  font-weight: 700;
  color: var(--deep-blue);
}

.page-disclaimer .term-card-dark .term-card-foot .data-value {
  color: var(--gold);
}

.page-disclaimer .term-acc {
  margin-top: 16px;
  border-top: 1px dashed var(--light-gray);
}

.page-disclaimer .term-card-dark .term-acc {
  border-top-color: var(--ink-blue);
}

.page-disclaimer .term-acc .accordion-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 14px 0;
  background: transparent;
  border: 0;
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 600;
  color: var(--deep-blue);
  cursor: pointer;
  transition: var(--transition);
}

.page-disclaimer .term-card-dark .term-acc .accordion-trigger {
  color: var(--cream);
}

.page-disclaimer .term-acc .accordion-trigger:hover {
  color: var(--gold-deep);
}

.page-disclaimer .term-acc .acc-icon {
  font-family: var(--font-body);
  font-size: 18px;
  color: var(--gold);
  transition: transform .2s ease;
}

.page-disclaimer .term-acc .accordion-trigger[data-open="true"] .acc-icon {
  transform: rotate(45deg);
}

.page-disclaimer .term-acc .accordion-panel {
  display: none;
}

.page-disclaimer .term-acc .accordion-trigger[data-open="true"] + .accordion-panel,
.page-disclaimer .term-acc .accordion-panel[data-open="true"] {
  display: block;
}

.page-disclaimer .term-acc .acc-inner {
  padding: 0 0 14px;
  font-size: 13px;
  line-height: 1.8;
  color: var(--charcoal);
}

.page-disclaimer .term-card-dark .term-acc .acc-inner {
  color: var(--rock);
}

.page-disclaimer .terms-contact {
  margin-top: 10px;
  padding: 38px 0 44px;
  background: var(--deep-blue);
}

.page-disclaimer .terms-contact-inner {
  display: grid;
  gap: 26px;
}

.page-disclaimer .terms-contact .sec-index {
  color: var(--gold);
}

.page-disclaimer .terms-contact h2 {
  margin: 6px 0 10px;
  font-family: var(--font-head);
  font-size: 30px;
  color: var(--cream);
}

.page-disclaimer .terms-contact p {
  margin: 0 0 14px;
  font-size: 14px;
  line-height: 1.8;
  color: var(--rock);
}

.page-disclaimer .terms-contact-list {
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
  font-family: var(--font-mono);
  font-size: 13px;
  color: var(--cream);
}

.page-disclaimer .terms-contact-list li {
  position: relative;
  padding-left: 18px;
}

.page-disclaimer .terms-contact-list li::before {
  content: ">";
  position: absolute;
  left: 0;
  color: var(--gold);
}

.page-disclaimer .terms-contact-links {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
}

.page-disclaimer .terms-contact-links .btn-ghost {
  border-color: var(--gold);
  color: var(--gold);
}

.page-disclaimer .terms-contact-links .btn-ghost:hover {
  background: var(--gold);
  color: var(--deep-blue);
}

@media (min-width: 900px) {
  .page-disclaimer .terms-hero {
    min-height: 500px;
  }

  .page-disclaimer .terms-hero-inner {
    padding-top: 68px;
    padding-bottom: 60px;
  }

  .page-disclaimer .terms-toc {
    grid-template-columns: 1fr 1fr;
    gap: 28px;
    padding-top: 44px;
    padding-bottom: 16px;
  }

  .page-disclaimer .terms-toc-card,
  .page-disclaimer .terms-toc-note {
    padding: 28px 32px;
  }

  .page-disclaimer .terms-grid {
    grid-template-columns: 1fr 1fr;
    gap: 34px 30px;
    padding: 34px 0 56px;
    align-items: start;
  }

  .page-disclaimer .term-card {
    min-height: 100%;
  }

  .page-disclaimer .terms-contact-inner {
    grid-template-columns: 1.2fr .8fr;
    align-items: center;
    gap: 32px;
  }

  .page-disclaimer .terms-contact-links {
    justify-content: flex-end;
  }
}