*{
    margin:0;
    padding:0;
    box-sizing:border-box;
}

body{
    font-family:'Segoe UI',sans-serif;
    background:#f4f7ff;
    color:#222;
    line-height:1.8;
}

/* HERO */
.terms-hero{
    background:linear-gradient(135deg,#0b1d4d,#123b8a);
    color:#fff;
    padding:90px 20px;
    text-align:center;
}

.terms-hero h1{
    font-size:52px;
    font-weight:800;
    margin-bottom:18px;
}

.terms-hero p{
    max-width:900px;
    margin:auto;
    font-size:20px;
    color:#dce6ff;
}

.last-updated{
    margin-top:20px;
    display:inline-block;
    background:rgba(255,255,255,0.15);
    padding:10px 18px;
    border-radius:30px;
    font-size:14px;
}

/* CONTENT */
.terms-wrapper{
    max-width:1200px;
    margin:70px auto;
    padding:0 20px;
}

.terms-card{
    background:#fff;
    padding:50px;
    border-radius:20px;
    box-shadow:0 10px 30px rgba(0,0,0,0.08);
}

.terms-section{
    margin-bottom:45px;
}

.terms-section h2{
    color:#123b8a;
    margin-bottom:18px;
    font-size:32px;
}

.terms-section h3{
    color:#1a3c8d;
    margin-top:20px;
    margin-bottom:10px;
    font-size:22px;
}

.terms-section p{
    margin-bottom:15px;
    color:#444;
}

.terms-section ul{
    padding-left:25px;
}

.terms-section li{
    margin-bottom:10px;
}

.notice-box{
    background:#eef4ff;
    border-left:5px solid #0056ff;
    padding:20px;
    border-radius:10px;
    margin-top:15px;
}

.warning-box{
    background:#fff5f5;
    border-left:5px solid #e63946;
    padding:20px;
    border-radius:10px;
    margin-top:15px;
}

/* ===== CTA ===== */

.cta-btn{
    display:inline-block;
    background:#fff;
    color:#ff6f00;
    text-decoration:none;
    padding:15px 32px;
    border-radius:10px;
    font-weight:700;
}

/* ===== Media ===== */

@media(max-width:768px){

    .terms-hero h1{
        font-size:38px;
    }

    .terms-card{
        padding:30px;
    }

    .terms-section h2{
        font-size:28px;
    }
}