.terms-page{background:#f6f3ed;color:#15263a}
.terms-page .skip-link{position:absolute;left:16px;top:8px;transform:translateY(-200%);z-index:100;padding:12px 18px;background:#fff;color:#08182c}
.terms-page .skip-link:focus{transform:none}
.terms-page a:focus-visible,.terms-page button:focus-visible,.terms-page summary:focus-visible{outline:3px solid #9b722d;outline-offset:5px}
.terms-hero{background:#08182c;color:#fff;padding:68px 0 64px;border-bottom:3px solid #c9a76b}
.terms-hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:80px;align-items:end}
.terms-hero .eyebrow{margin:0 0 20px}
.terms-hero h1{font-size:clamp(54px,6vw,80px);line-height:1.04;margin:0;font-weight:500}
.terms-hero h1 em{color:#f0d7aa;font-weight:500}
.terms-intro>p:first-child{font-family:"Playfair Display",Georgia,serif;font-size:27px;line-height:1.4;margin:0 0 16px}
.terms-intro>p:nth-child(2){font-size:16px;line-height:1.7;margin:0;max-width:450px;color:#fff}
.terms-version{display:flex;align-items:center;flex-wrap:wrap;gap:14px;margin-top:24px;font-size:12px;color:#fff}
.terms-version>span{border:1px solid #c9a76b;padding:7px 10px;border-radius:4px;color:#f0d7aa}
.terms-highlights{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));padding:32px 0;border-bottom:1px solid #cbd0d4}
.terms-highlights>div{padding:0 32px;border-left:1px solid #cbd0d4}
.terms-highlights>div:first-child{padding-left:0;border:0}
.terms-highlights>div:last-child{padding-right:0}
.terms-highlights span{color:#785724;font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase}
.terms-highlights p{font-size:15px;line-height:1.65;margin:10px 0 0;color:#243448}
.terms-layout{display:grid;grid-template-columns:245px minmax(0,1fr);gap:68px;align-items:start;padding:48px 0 80px}
.terms-aside{position:sticky;top:24px}
.terms-directory{border-bottom:1px solid #cbd0d4;padding-bottom:18px}
.terms-directory summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px;cursor:pointer;font-size:16px;font-weight:600;padding:7px 0 12px}
.terms-directory summary::-webkit-details-marker,.terms-clause>summary::-webkit-details-marker{display:none}
.terms-directory summary>span{font-size:20px;transform:rotate(-90deg);transition:transform .2s}
.terms-directory[open] summary>span{transform:rotate(0)}
.terms-directory nav{display:grid;padding-top:7px;gap:2px}
.terms-directory nav>a{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:10px 0;font-size:14px;color:#26394d}
.terms-directory nav>a:hover{color:#785724;text-decoration:underline;text-underline-offset:4px}
.terms-directory nav>a>span{color:#785724}
.terms-aside>p{font-size:13px;line-height:1.75;margin:20px 0;color:#35485b}
.terms-pricing-link{display:flex;justify-content:space-between;gap:10px;font-size:13px;font-weight:600;padding:12px 0;color:#15263a}
.terms-content{min-width:0}
.terms-toolbar{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-bottom:18px;border-bottom:1px solid #cbd0d4}
.terms-toolbar p{font-size:13px;margin:0;line-height:1.5;color:#35485b}
.terms-controls{display:flex;gap:8px;flex-wrap:wrap}
.terms-controls[hidden]{display:none}
.terms-controls button{font:inherit;font-size:12px;font-weight:600;cursor:pointer;padding:10px 13px;color:#15263a;background:#fff;border:1px solid #b5bfc7;border-radius:4px;min-height:42px}
.terms-controls button:hover{background:#eae4d8;border-color:#9b722d}
.terms-group{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.13em;color:#785724;margin:30px 0 12px}
.terms-clause{background:#fff;border:1px solid #d5dadd;border-radius:5px;margin:0 0 10px;scroll-margin-top:24px;overflow:hidden}
.terms-clause:target{border-color:#9b722d}
.terms-clause>summary{display:flex;gap:16px;align-items:center;list-style:none;cursor:pointer;padding:21px 22px;transition:background-color .2s}
.terms-clause>summary:hover{background:#f5f2ec}
.clause-number{color:#785724;flex:0 0 24px;font-size:12px;font-weight:600;font-variant-numeric:tabular-nums}
.terms-clause h2{font-size:17px;font-weight:600;line-height:1.45;margin:0;flex:1;min-width:0;color:#11263b}
.clause-toggle{position:relative;width:16px;height:16px;flex:0 0 16px;margin-left:8px}
.clause-toggle:before,.clause-toggle:after{position:absolute;content:"";left:1px;top:7px;width:14px;height:2px;background:#785724}
.clause-toggle:after{transform:rotate(90deg);transition:transform .2s}
.terms-clause[open] .clause-toggle:after{transform:rotate(0)}
.terms-clause[open]>summary{border-bottom:1px solid #e2e5e7}
.clause-body{padding:6px 24px 20px 62px;font-size:15px;line-height:1.85;color:#243448;overflow-wrap:anywhere}
.clause-body p{margin:17px 0 0}
.clause-body a{color:#183d64;text-decoration:underline;text-underline-offset:3px}
.clause-body a:hover{color:#785724}
.clause-body strong{font-weight:600;color:#11263b}
.clause-body ul,.clause-body ol{padding-left:22px;margin:15px 0}
.clause-body li+li{margin-top:9px}
.terms-offer{background:#f6f3ed;border-left:3px solid #ac8748;padding:1px 18px 6px;margin-top:18px}
.terms-contact{margin:20px 0 0}
.terms-contact>div{display:grid;grid-template-columns:85px minmax(0,1fr);gap:15px;padding:12px 0;border-bottom:1px solid #e2e5e7}
.terms-contact dt{font-weight:600;color:#11263b}
.terms-contact dd{margin:0}
.terms-contact address{font-style:normal}
.terms-closing{margin-top:28px;padding:26px;background:#e9dfce;border-radius:5px}
.terms-closing p{font-family:"Playfair Display",Georgia,serif;font-size:25px;line-height:1.3;margin:0 0 12px;color:#11263b}
.terms-closing a{font-size:14px;text-decoration:underline;text-underline-offset:4px;color:#15263a}
@media(max-width:960px){.terms-hero-grid{gap:40px}.terms-layout{grid-template-columns:205px minmax(0,1fr);gap:32px}.terms-clause>summary{padding:19px 18px;gap:12px}.clause-body{padding-left:22px;padding-right:22px}.terms-toolbar{align-items:start;flex-direction:column;gap:12px}}
@media(max-width:700px){.terms-hero{padding:36px 0 32px}.terms-hero-grid{grid-template-columns:1fr;gap:25px}.terms-hero h1{font-size:51px}.terms-hero .eyebrow{font-size:10px;margin-bottom:15px}.terms-intro>p:first-child{font-size:22px;margin-bottom:10px}.terms-intro>p:nth-child(2){font-size:14px;max-width:none;line-height:1.65}.terms-version{margin-top:17px;font-size:11px;gap:10px}.terms-highlights{grid-template-columns:1fr;padding:18px 0}.terms-highlights>div,.terms-highlights>div:first-child,.terms-highlights>div:last-child{display:grid;grid-template-columns:108px minmax(0,1fr);align-items:start;gap:15px;padding:12px 0;border:0}.terms-highlights>div+div{border-top:1px solid #d5dadd}.terms-highlights span{font-size:10px;line-height:1.65}.terms-highlights p{font-size:13px;margin:0;line-height:1.65}.terms-layout{grid-template-columns:1fr;gap:25px;padding:24px 0 45px}.terms-aside{position:static}.terms-directory{padding:0 15px;background:#fff;border:1px solid #cbd0d4;border-radius:5px}.terms-directory summary{font-size:14px;padding:14px 0}.terms-directory nav{padding:0 0 10px;grid-template-columns:1fr 1fr;column-gap:22px}.terms-directory nav>a{font-size:12px;min-height:44px}.terms-aside>p{font-size:12px;margin:13px 0 0;line-height:1.65}.terms-pricing-link{display:none}.terms-toolbar{gap:10px;padding-bottom:15px;flex-direction:row;flex-wrap:wrap;align-items:center}.terms-toolbar p{font-size:12px}.terms-controls button{font-size:11px;min-height:40px;padding:8px 11px}.terms-group{margin-top:24px;font-size:10px}.terms-clause{scroll-margin-top:14px}.terms-clause>summary{padding:17px 14px;gap:10px}.clause-number{flex-basis:21px;font-size:11px}.terms-clause h2{font-size:15px;line-height:1.5}.clause-toggle{margin-left:2px;flex-basis:14px}.clause-body{font-size:14px;line-height:1.8;padding:2px 17px 19px}.clause-body p{margin-top:15px}.terms-contact>div{grid-template-columns:1fr;gap:2px}.terms-closing{padding:23px 19px;margin-top:22px}.terms-closing p{font-size:23px}}
/* Allow for the 78px fixed phone header plus the existing 36px breathing room. */
@media screen and (max-width:580px){.terms-hero{padding-top:114px}}
@media(prefers-reduced-motion:reduce){.terms-directory summary>span,.terms-clause>summary,.clause-toggle:after{transition:none}html{scroll-behavior:auto}}
@media print{html,body.terms-page{background:#fff!important;color:#000!important;font-size:10pt}.terms-page .nav,.terms-page .site-footer,.terms-aside,.terms-toolbar,.terms-closing,.skip-link,.clause-toggle{display:none!important}.terms-page .shell{width:100%;max-width:none}.terms-hero{background:#fff;color:#000;padding:0 0 18pt;border-bottom:1pt solid #777}.terms-hero-grid{display:block}.terms-hero .eyebrow,.terms-hero h1 em,.terms-version,.terms-version>span{color:#000}.terms-hero h1{font-size:32pt}.terms-hero h1 br{display:none}.terms-intro{margin-top:16pt}.terms-intro>p:first-child{font-size:15pt}.terms-intro>p:nth-child(2){color:#000;font-size:10pt;max-width:none}.terms-version>span{border-color:#777}.terms-highlights{padding:12pt 0;display:grid;grid-template-columns:repeat(3,1fr)}.terms-highlights>div,.terms-highlights>div:first-child,.terms-highlights>div:last-child{display:block;padding:0 12pt}.terms-highlights p{font-size:9pt}.terms-layout{display:block;padding:0}.terms-group{margin:16pt 0 8pt;color:#000;break-after:avoid}.terms-clause{border:0;border-bottom:1pt solid #ccc;border-radius:0;overflow:visible}.terms-clause>summary{padding:10pt 0;break-after:avoid;border:0!important}.terms-clause h2{font-size:12pt;color:#000}.clause-number{color:#000}.terms-clause .clause-body{display:block!important;padding:0 0 12pt;font-size:10pt;line-height:1.6;color:#000}.terms-clause .clause-body p{margin-top:9pt;orphans:3;widows:3}.terms-contact>div{display:grid;grid-template-columns:60pt 1fr}.terms-offer{background:#fff;border-color:#777}.clause-body a,.clause-body strong{color:#000}}