.page-disclaimer {
  --terms-bg: #EDF1F5;
  --terms-sidebar-width: 264px;
  background: var(--terms-bg);
}

.page-disclaimer .terms-hero {
  background: linear-gradient(135deg, var(--color-navy-depth) 0%, var(--color-navy) 58%, var(--color-navy-2) 100%);
  color: #FFFFFF;
  position: relative;
  overflow: hidden;
}

.page-disclaimer .terms-hero__inner {
  display: grid;
  gap: 2rem;
  padding-top: 2.5rem;
  position: relative;
  z-index: 2;
}

.page-disclaimer .terms-hero__content {
  max-width: 720px;
}

.page-disclaimer .terms-hero .kicker {
  color: var(--color-gold-light);
  font-size: 0.8rem;
  letter-spacing: 0.18em;
  margin: 1.25rem 0 0.5rem;
  text-transform: uppercase;
}

.page-disclaimer .terms-hero h1 {
  font-family: var(--font-headline);
  font-size: 2.25rem;
  font-weight: 700;
  line-height: 1.15;
  margin: 0 0 1rem;
  letter-spacing: -0.02em;
}

.page-disclaimer .terms-hero__lead {
  color: rgba(245, 247, 250, 0.85);
  line-height: 1.85;
  margin: 0 0 1.25rem;
  font-size: 0.95rem;
}

.page-disclaimer .terms-hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  border: 1px solid rgba(227, 199, 104, 0.5);
  color: var(--color-gold-light);
  font-size: 0.75rem;
  padding: 0.375rem 0.75rem;
  letter-spacing: 0.04em;
}

.page-disclaimer .terms-hero__icon {
  display: none;
  width: 76px;
  height: 76px;
}

.page-disclaimer .terms-hero__img-wrap {
  position: relative;
  margin-top: 2.5rem;
}

.page-disclaimer .terms-hero__img-wrap::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, var(--color-navy) 0%, rgba(10, 31, 68, 0) 70%);
  pointer-events: none;
}

.page-disclaimer .terms-hero__img {
  display: block;
  width: 100%;
  height: 140px;
  object-fit: cover;
  opacity: 0.55;
}

.page-disclaimer .terms-content {
  padding: 3.25rem 0 4.5rem;
}

.page-disclaimer .terms-layout {
  display: grid;
  gap: 2rem;
}

.page-disclaimer .terms-body {
  font-size: 0.95rem;
  line-height: 1.95;
  color: var(--color-muted);
}

.page-disclaimer .terms-section {
  margin-bottom: 2.25rem;
  scroll-margin-top: calc(var(--header-h) + 1.5rem);
}

.page-disclaimer .terms-section__head {
  display: flex;
  align-items: center;
  gap: 0.875rem;
  margin-bottom: 1rem;
}

.page-disclaimer .terms-section__num {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 50%;
  background: var(--color-gold);
  color: var(--color-navy-depth);
  font-weight: 700;
  font-size: 0.8rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: var(--font-headline);
}

.page-disclaimer .terms-section h2 {
  font-family: var(--font-headline);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-navy);
  margin: 0;
  letter-spacing: -0.01em;
}

.page-disclaimer .terms-section p {
  margin: 0 0 1rem;
}

.page-disclaimer .terms-body ul {
  margin: 1rem 0 1.5rem;
  padding: 0;
  list-style: none;
}

.page-disclaimer .terms-body li {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: 0.7rem;
}

.page-disclaimer .terms-body li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.62em;
  width: 8px;
  height: 8px;
  border: 1.5px solid var(--color-gold);
  background: transparent;
}

.page-disclaimer .terms-sidebar {
  background: var(--color-card);
  border: 1px solid rgba(201, 162, 39, 0.22);
  border-top: 3px solid var(--color-gold);
  padding: 1.4rem 1.4rem 1.2rem;
  box-shadow: var(--shadow-sm);
  align-self: start;
}

.page-disclaimer .terms-sidebar h2 {
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-navy);
  margin: 0 0 0.875rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--color-paper);
}

.page-disclaimer .terms-sidebar ol {
  list-style: none;
  margin: 0;
  padding: 0;
  counter-reset: terms-sidebar-counter;
}

.page-disclaimer .terms-sidebar li {
  counter-increment: terms-sidebar-counter;
}

.page-disclaimer .terms-sidebar a {
  display: flex;
  align-items: baseline;
  gap: 0.625rem;
  padding: 0.5rem 0;
  color: var(--color-muted);
  text-decoration: none;
  border-bottom: 1px solid rgba(245, 247, 250, 0.85);
  font-size: 0.875rem;
  transition: color 0.2s, padding-left 0.2s;
}

.page-disclaimer .terms-sidebar a::before {
  content: counter(terms-sidebar-counter, decimal-leading-zero);
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--color-gold);
  font-family: var(--font-headline);
}

.page-disclaimer .terms-sidebar a:hover,
.page-disclaimer .terms-sidebar a:focus-visible {
  color: var(--color-navy);
  padding-left: 0.3rem;
  outline: none;
}

.page-disclaimer .terms-sidebar__meta {
  margin-top: 1rem;
  padding-top: 0.875rem;
  border-top: 1px solid var(--color-paper);
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.72rem;
  color: var(--color-gray);
}

.page-disclaimer .terms-acceptance {
  background: var(--color-navy);
  color: #FFFFFF;
  padding: 1.5rem 1.6rem;
  border-left: 4px solid var(--color-gold);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 1rem;
}

.page-disclaimer .terms-acceptance p {
  margin: 0;
  font-size: 0.9rem;
  color: rgba(245, 247, 250, 0.9);
  line-height: 1.7;
}

.page-disclaimer .terms-links {
  background: var(--color-card);
  padding: 4rem 0;
  border-top: 1px solid var(--color-paper);
}

.page-disclaimer .terms-links__head {
  margin-bottom: 2rem;
}

.page-disclaimer .terms-links__head .kicker {
  color: var(--color-gold);
  font-size: 0.8rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}

.page-disclaimer .terms-links h2 {
  font-family: var(--font-headline);
  font-size: 1.5rem;
  color: var(--color-navy);
  margin: 0;
}

.page-disclaimer .terms-links__grid {
  display: grid;
  gap: 1.25rem;
}

.page-disclaimer .terms-link-card {
  display: block;
  background: var(--color-paper);
  border: 1px solid transparent;
  border-bottom: 2px solid rgba(201, 162, 39, 0.35);
  padding: 1.5rem;
  text-decoration: none;
  color: var(--color-ink);
  transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s, background-color 0.2s;
}

.page-disclaimer .terms-link-card h3 {
  font-family: var(--font-headline);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-navy);
  margin: 0 0 0.5rem;
}

.page-disclaimer .terms-link-card p {
  font-size: 0.875rem;
  line-height: 1.7;
  color: var(--color-muted);
  margin: 0;
}

.page-disclaimer .terms-link-card:hover,
.page-disclaimer .terms-link-card:focus-visible {
  border-color: var(--color-gold);
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
  background-color: #FFFFFF;
  outline: none;
}

@media (min-width: 768px) {
  .page-disclaimer .terms-hero__inner {
    grid-template-columns: 1fr auto;
    align-items: center;
    padding-top: 3.5rem;
  }

  .page-disclaimer .terms-hero__icon {
    display: block;
  }

  .page-disclaimer .terms-hero__img {
    height: 200px;
  }

  .page-disclaimer .terms-links__grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (min-width: 1024px) {
  .page-disclaimer .terms-content {
    padding: 4.5rem 0 5.5rem;
  }

  .page-disclaimer .terms-layout {
    grid-template-columns: minmax(0, 1fr) var(--terms-sidebar-width);
    gap: 3rem;
    align-items: start;
  }

  .page-disclaimer .terms-sidebar {
    position: sticky;
    top: calc(var(--header-h) + 1.5rem);
    order: 2;
  }

  .page-disclaimer .terms-body {
    order: 1;
    column-count: 2;
    column-gap: 2.75rem;
    column-rule: 1px solid rgba(138, 155, 168, 0.25);
  }

  .page-disclaimer .terms-section,
  .page-disclaimer .terms-acceptance {
    break-inside: avoid;
  }

  .page-disclaimer .terms-section {
    margin-bottom: 2rem;
  }
}