.terms-container {
  max-width: 1100px;
  margin: 30px auto 60px;
  padding: 0 20px;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  font-size: 0.95rem;
  color: #222;
}

.terms-container h1 {
  font-size: 32px;
  font-weight: 800;
  color: #001a80;
  margin: 10px 0 20px;
}

/* banner */
.terms-intro {
  display: flex;
  gap: 10px;
  padding: 16px 18px;
  background-color: #fff7e5;
  border-left: 4px solid #f2b321;
  border-radius: 14px;
  margin-bottom: 24px;
  font-size: 0.95rem;
  font-weight: 600;
  color: #222;
  line-height: 1.5;
}

.terms-intro-icon {
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 1px;
}

/* 3x2 grid */
.terms-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

/* each card */
.terms-block {
  background: #fff;
  border-radius: 26px;
  padding: 24px 26px;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.08);
  display: flex;
  flex-direction: column;
}

.terms-block__title {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: #003865;
  margin: 0 0 12px 0;
  padding-bottom: 10px;
  border-bottom: 1px solid #e4e4e4;
}

.terms-block p {
  margin: 0 0 10px 0;
  line-height: 1.7;
  color: #222;
  font-size: 0.9rem;
}

.terms-block p:last-child {
  margin-bottom: 0;
}

.terms-block > div {
  line-height: 1.7;
  color: #222;
  font-size: 0.9rem;
}

.terms-block > div p {
  margin: 0 0 10px 0;
}

.terms-block > div p:last-child {
  margin-bottom: 0;
}

.terms-block strong {
  color: #001a80;
  font-weight: 700;
}

.terms-block a {
  color: #003865;
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color 0.15s;
}

.terms-block a:hover {
  color: #f2b321;
}

/* warning card */
.terms-block--warning {
  background-color: #fff7e5;
  border-left: 4px solid #f2b321;
  border-radius: 14px;
  box-shadow: none;
}

.terms-block--warning .terms-block__title {
  color: #8a5e00;
  border-bottom-color: #f2b321;
}

.terms-block--warning strong {
  color: #222;
}

@media (max-width: 900px) {
  .terms-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 580px) {
  .terms-grid { grid-template-columns: 1fr; }
  .terms-container h1 { font-size: 26px; }
}