.page-disclaimer {
  --terms-card-bg: #ffffff;
  --terms-ink-soft: #3f5management;
  background: var(--mist);
  color: var(--deep);
  overflow-x: hidden;
}

.page-disclaimer .terms-hero {
  position: relative;
  background:
    radial-gradient(120% 90% at 88% 8%, rgba(47, 230, 214, 0.16), transparent 58%),
    radial-gradient(90% 70% at 6% 96%, rgba(108, 92, 231, 0.18), transparent 62%),
    linear-gradient(158deg, var(--deep) 0%, var(--navy) 62%, var(--deep) 100%);
  color: var(--mist);
  padding: clamp(1.6rem, 4.5vw, 2.8rem) 0 clamp(3rem, 8vw, 5.5rem);
  clip-path: polygon(0 0, 100% 0, 100% calc(100% - 40px), 0 100%);
  overflow: hidden;
}

.page-disclaimer .terms-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(
    90deg,
    rgba(47, 230, 214, 0.14) 0 1px,
    transparent 1px 64px
  );
  mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.7), transparent 78%);
  pointer-events: none;
}

.page-disclaimer .terms-hero::after {
  content: "";
  position: absolute;
  width: 140%;
  height: 1px;
  left: -20%;
  top: 68%;
  background: linear-gradient(90deg, transparent, var(--cyan), transparent);
  transform: rotate(-9deg);
  opacity: 0.55;
  pointer-events: none;
}

.page-disclaimer .terms-hero__inner {
  position: relative;
  z-index: 1;
}

.page-disclaimer .terms-hero__crumbs {
  font-size: 0.8rem;
  color: var(--steel-2);
  margin-bottom: clamp(1.4rem, 3.5vw, 2.4rem);
}

.page-disclaimer .terms-hero__crumbs a {
  color: var(--cyan);
  text-decoration: none;
}

.page-disclaimer .terms-hero__crumbs a:hover,
.page-disclaimer .terms-hero__crumbs a:focus-visible {
  text-decoration: underline;
}

.page-disclaimer .terms-hero__grid {
  display: grid;
  gap: clamp(1.8rem, 4vw, 3rem);
}

.page-disclaimer .terms-hero__eyebrow {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  color: var(--cyan);
  margin: 0 0 1rem;
}

.page-disclaimer .terms-hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 9vw, 4.6rem);
  font-weight: 800;
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 0 0 1.2rem;
}

.page-disclaimer .terms-hero__lede {
  font-size: clamp(1rem, 2.4vw, 1.125rem);
  line-height: 1.8;
  color: var(--steel-2);
  max-width: 34em;
  margin: 0 0 1.8rem;
}

.page-disclaimer .terms-hero__meta {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.65rem;
  border-top: 1px solid var(--line-soft);
  padding-top: 1.1rem;
}

.page-disclaimer .terms-hero__meta li {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem 0.9rem;
  font-size: 0.86rem;
  line-height: 1.6;
}

.page-disclaimer .terms-hero__key {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.1em;
  color: var(--steel);
  min-width: 5.4em;
}

.page-disclaimer .terms-hero__val {
  color: var(--mist);
}

.page-disclaimer .terms-hero__val a {
  color: var(--cyan);
  text-decoration: none;
  border-bottom: 1px solid var(--line-cyan);
}

.page-disclaimer .terms-hero__media {
  margin: 0;
  position: relative;
}

.page-disclaimer .terms-hero__media img {
  display: block;
  width: 100%;
  max-width: 100%;
  height: auto;
  object-fit: cover;
  border-radius: 4px 22px 4px 22px;
  border: 1px solid var(--line-cyan);
  box-shadow: 0 30px 60px -40px rgba(0, 0, 0, 0.9);
}

.page-disclaimer .terms-hero__cap {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  color: var(--steel);
  margin-top: 0.85rem;
}

.page-disclaimer .terms-body {
  padding: clamp(2.2rem, 6vw, 4rem) 0 clamp(2.5rem, 6vw, 4.5rem);
  margin-top: clamp(-2.2rem, -3vw, -1rem);
}

.page-disclaimer .terms-layout {
  display: grid;
  gap: clamp(1.6rem, 4vw, 2.6rem);
  align-items: start;
}

.page-disclaimer .terms-toc {
  background: var(--navy);
  color: var(--mist);
  border-radius: 4px 18px 18px 18px;
  padding: 1.2rem 1.15rem;
  border: 1px solid var(--line-soft);
}

.page-disclaimer .terms-toc__title {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.18em;
  color: var(--cyan);
  margin: 0 0 0.9rem;
  text-transform: uppercase;
}

.page-disclaimer .terms-toc__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.2rem;
  counter-reset: none;
}

.page-disclaimer .terms-toc__link {
  display: flex;
  align-items: baseline;
  gap: 0.6rem;
  padding: 0.45rem 0.35rem;
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--steel-2);
  text-decoration: none;
  border-left: 2px solid transparent;
  border-radius: 0 6px 6px 0;
  transition: color 160ms var(--ease), border-color 160ms var(--ease), background 160ms var(--ease);
}

.page-disclaimer .terms-toc__link:hover,
.page-disclaimer .terms-toc__link:focus-visible {
  color: var(--mist);
  border-left-color: var(--cyan);
  background: rgba(47, 230, 214, 0.08);
  outline: none;
}

.page-disclaimer .terms-toc__num {
  font-family: var(--font-mono);
  font-size: 0.76rem;
  letter-spacing: 0.08em;
  color: var(--teal);
}

.page-disclaimer .terms-toc__note {
  margin: 1rem 0 0;
  padding-top: 0.9rem;
  border-top: 1px solid var(--line-soft);
  font-size: 0.78rem;
  line-height: 1.65;
  color: var(--steel);
}

.page-disclaimer .terms-content {
  display: grid;
  gap: clamp(1rem, 2.5vw, 1.5rem);
  min-width: 0;
}

.page-disclaimer .terms-card {
  position: relative;
  background: var(--terms-card-bg);
  border: 1px solid rgba(14, 42, 71, 0.1);
  border-left: 3px solid var(--teal);
  border-radius: 2px 18px 18px 18px;
  padding: clamp(1.15rem, 3vw, 2rem);
  box-shadow: 0 24px 48px -42px rgba(7, 26, 43, 0.85);
  scroll-margin-top: 6rem;
  min-width: 0;
}

.page-disclaimer .terms-card--accent {
  border-left-color: var(--coral);
  background: linear-gradient(180deg, #ffffff 0%, #fdf6f3 100%);
}

.page-disclaimer .terms-card p {
  margin: 0 0 0.95rem;
  font-size: 0.96rem;
  line-height: 1.85;
  color: #22384f;
}

.page-disclaimer .terms-card p:last-child {
  margin-bottom: 0;
}

.page-disclaimer .terms-card a {
  color: var(--teal);
  text-decoration: none;
  border-bottom: 1px solid rgba(0, 191, 166, 0.4);
  font-weight: 600;
}

.page-disclaimer .terms-card a:hover,
.page-disclaimer .terms-card a:focus-visible {
  color: var(--deep);
  border-bottom-color: var(--deep);
}

.page-disclaimer .terms-card__head {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
  padding-bottom: 0.8rem;
  border-bottom: 1px dashed rgba(143, 163, 184, 0.45);
}

.page-disclaimer .terms-card__num {
  font-family: var(--font-mono);
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  color: var(--deep);
  background: var(--cyan);
  padding: 0.28rem 0.5rem;
  border-radius: 2px;
  clip-path: polygon(0 0, 100% 0, 100% 72%, 84% 100%, 0 100%);
}

.page-disclaimer .terms-card--accent .terms-card__num {
  background: var(--coral);
  color: #ffffff;
}

.page-disclaimer .terms-card__title {
  font-family: var(--font-display);
  font-size: clamp(1.18rem, 3.2vw, 1.5rem);
  font-weight: 700;
  line-height: 1.25;
  color: var(--deep);
  margin: 0;
}

.page-disclaimer .terms-card__list {
  margin: 0 0 0.95rem;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.55rem;
}

.page-disclaimer .terms-card__list li {
  position: relative;
  padding-left: 1.15rem;
  font-size: 0.94rem;
  line-height: 1.8;
  color: #22384f;
}

.page-disclaimer .terms-card__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72em;
  width: 8px;
  height: 1px;
  background: var(--teal);
}

.page-disclaimer .terms-card__steps {
  list-style: none;
  margin: 0 0 0.95rem;
  padding: 0;
  display: grid;
  gap: 0.5rem;
}

.page-disclaimer .terms-card__steps li {
  display: flex;
  align-items: baseline;
  gap: 0.7rem;
  font-size: 0.93rem;
  line-height: 1.7;
  color: #22384f;
  background: rgba(255, 107, 74, 0.07);
  border-radius: 2px 10px 10px 2px;
  padding: 0.5rem 0.75rem;
}

.page-disclaimer .terms-card__step {
  font-family: var(--font-mono);
  font-size: 0.76rem;
  letter-spacing: 0.08em;
  color: var(--coral);
}

.page-disclaimer .terms-card__contact {
  list-style: none;
  margin: 0 0 1rem;
  padding: 0;
  display: grid;
  gap: 0.45rem;
}

.page-disclaimer .terms-card__contact li {
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem 0.9rem;
  font-size: 0.93rem;
  line-height: 1.7;
  color: #22384f;
  border-bottom: 1px solid rgba(143, 163, 184, 0.22);
  padding-bottom: 0.45rem;
}

.page-disclaimer .terms-card__key {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.1em;
  color: var(--steel);
  min-width: 5em;
}

.page-disclaimer .terms-card__more {
  margin-top: 1rem;
  border-top: 1px solid rgba(143, 163, 184, 0.28);
  padding-top: 0.85rem;
}

.page-disclaimer .terms-card__more summary {
  cursor: pointer;
  font-family: var(--font-mono);
  font-size: 0.8rem;
  letter-spacing: 0.04em;
  color: var(--deep);
  list-style: none;
  display: flex;
  align-items: center;
  gap: 0.55rem;
}

.page-disclaimer .terms-card__more summary::-webkit-details-marker {
  display: none;
}

.page-disclaimer .terms-card__more summary::before {
  content: "+";
  font-family: var(--font-mono);
  font-size: 0.95rem;
  color: var(--teal);
  line-height: 1;
}

.page-disclaimer .terms-card__more[open] summary::before {
  content: "–";
}

.page-disclaimer .terms-card__more summary:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 3px;
  border-radius: 3px;
}

.page-disclaimer .terms-card__more p {
  margin: 0.7rem 0 0;
  font-size: 0.9rem;
  line-height: 1.8;
  color: #3c556f;
}

.page-disclaimer .terms-next {
  background:
    radial-gradient(80% 120% at 12% 0%, rgba(47, 230, 214, 0.12), transparent 60%),
    linear-gradient(180deg, var(--navy), var(--ink));
  color: var(--mist);
  padding: clamp(2.2rem, 6vw, 3.8rem) 0 clamp(2.5rem, 6vw, 4rem);
}

.page-disclaimer .terms-next__title {
  font-family: var(--font-display);
  font-size: clamp(1.3rem, 4vw, 1.85rem);
  font-weight: 700;
  line-height: 1.25;
  margin: 0 0 1.4rem;
  color: var(--mist);
}

.page-disclaimer .terms-next__grid {
  display: grid;
  gap: 0.75rem;
}

.page-disclaimer .terms-next__item {
  display: grid;
  grid-template-columns: auto 1fr;
  grid-template-areas:
    "num label"
    "num desc";
  column-gap: 0.9rem;
  align-items: start;
  text-decoration: none;
  padding: 0.95rem 1rem;
  background: rgba(244, 248, 251, 0.04);
  border: 1px solid var(--line-soft);
  border-radius: 2px 14px 14px 14px;
  transition: transform 180ms var(--ease), border-color 180ms var(--ease), background 180ms var(--ease);
}

.page-disclaimer .terms-next__item:hover,
.page-disclaimer .terms-next__item:focus-visible {
  transform: translateY(-2px);
  border-color: var(--line-cyan);
  background: rgba(47, 230, 214, 0.08);
  outline: none;
}

.page-disclaimer .terms-next__num {
  grid-area: num;
  font-family: var(--font-mono);
  font-size: 0.95rem;
  letter-spacing: 0.06em;
  color: var(--cyan);
  line-height: 1.2;
}

.page-disclaimer .terms-next__label {
  grid-area: label;
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--mist);
  line-height: 1.4;
}

.page-disclaimer .terms-next__desc {
  grid-area: desc;
  font-size: 0.8rem;
  line-height: 1.6;
  color: var(--steel);
  margin-top: 0.2rem;
}

@media (min-width: 640px) {
  .page-disclaimer .terms-next__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.9rem;
  }

  .page-disclaimer .terms-hero__meta {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.7rem 1.5rem;
  }
}

@media (min-width: 900px) {
  .page-disclaimer .terms-hero {
    clip-path: polygon(0 0, 100% 0, 100% calc(100% - 64px), 0 100%);
    padding-bottom: clamp(4rem, 7vw, 6rem);
  }

  .page-disclaimer .terms-hero__grid {
    grid-template-columns: minmax(0, 1.08fr) minmax(0, 1fr);
    align-items: center;
  }

  .page-disclaimer .terms-layout {
    grid-template-columns: 258px minmax(0, 1fr);
    gap: clamp(2rem, 4vw, 3.5rem);
  }

  .page-disclaimer .terms-toc {
    position: sticky;
    top: 6.5rem;
  }

  .page-disclaimer .terms-next__grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (prefers-reduced-motion: reduce) {
  .page-disclaimer .terms-toc__link,
  .page-disclaimer .terms-next__item {
    transition: none;
  }

  .page-disclaimer .terms-next__item:hover,
  .page-disclaimer .terms-next__item:focus-visible {
    transform: none;
  }
}
<<<END>>>