/* ══ TERMS & CONDITIONS STYLES ══ */
:root{--blue:#0B2D72;--blue-mid:#1a4494;--blue-light:#e8eef9;--gold:#E8A020;--text:#0B2D72;--muted:#5a6e8c;--bg:#f4f7fd;--white:#fff;--border:#d8e2f5;--shadow:0 4px 24px rgba(11,45,114,.07);}

/* PAGE STRUCTURE */
.page{flex:1;padding:40px 20px 60px;}
.wrap{max-width:1100px;margin:0 auto;}

/* PAGE HEADER */
.page-header{background:linear-gradient(145deg,var(--blue),var(--blue-mid));border-radius:16px;padding:28px 32px;margin-bottom:24px;position:relative;overflow:hidden;}
.page-header::before{content:'';position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.08) 1px,transparent 1px);background-size:20px 20px;pointer-events:none;}
.header-title{font-family:'Sora',sans-serif;font-size:24px;font-weight:800;color:#fff;position:relative;z-index:1;}

/* CONTENT CARD */
.content-card{background:var(--white);border-radius:16px;border:1.5px solid var(--border);padding:36px 40px;box-shadow:var(--shadow);}
@media(max-width:520px){.content-card{padding:22px 18px;}}

/* RICH TEXT STYLES */
.rich-content h1,.rich-content h2,.rich-content h3,.rich-content h4{font-family:'Sora',sans-serif;font-weight:800;color:var(--text);margin-top:28px;margin-bottom:10px;line-height:1.25;}
.rich-content h2{font-size:18px;padding-bottom:8px;border-bottom:2px solid var(--blue-light);}
.rich-content h3{font-size:16px;color:var(--blue);}
.rich-content h4{font-size:14px;color:var(--muted);}
.rich-content h2:first-child,.rich-content h3:first-child{margin-top:0;}

.rich-content p{font-size:14px;color:#3d5275;line-height:1.85;margin-bottom:12px;}
.rich-content p:last-child{margin-bottom:0;}

.rich-content ul,.rich-content ol{margin:10px 0 14px 0;padding-left:20px;display:flex;flex-direction:column;gap:7px;}
.rich-content ul li,.rich-content ol li{font-size:14px;color:#3d5275;line-height:1.75;}
.rich-content ul{list-style:disc;}
.rich-content ol{list-style:decimal;}
.rich-content ul li::marker{color:var(--blue);}
.rich-content ol li::marker{color:var(--blue);font-weight:700;}

.rich-content strong,.rich-content b{color:var(--text);font-weight:700;}
.rich-content em,.rich-content i{font-style:italic;}
.rich-content a{color:var(--blue);text-decoration:underline;}
.rich-content a:hover{color:var(--blue-mid);}

.rich-content blockquote{border-left:4px solid var(--blue-light);background:var(--bg);border-radius:0 10px 10px 0;padding:12px 16px;margin:14px 0;font-size:14px;color:var(--muted);line-height:1.7;}
.rich-content hr{border:none;border-top:1px solid var(--border);margin:24px 0;}

.rich-content table{width:100%;border-collapse:collapse;margin:14px 0;font-size:14px;}
.rich-content table th{background:var(--blue-light);color:var(--blue);font-family:'Sora',sans-serif;font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.4px;padding:10px 14px;text-align:left;border:1px solid var(--border);}
.rich-content table td{padding:10px 14px;border:1px solid var(--border);color:#3d5275;line-height:1.6;}
.rich-content table tr:nth-child(even) td{background:var(--bg);}

/* LOADING SKELETON */
.skeleton{background:linear-gradient(90deg,#e8eef9 25%,#f0f5ff 50%,#e8eef9 75%);background-size:200% 100%;animation:shimmer 1.4s infinite;border-radius:6px;}
@keyframes shimmer{0%{background-position:200% 0;}100%{background-position:-200% 0;}}
.skel-line{height:14px;margin-bottom:10px;}
.skel-title{height:20px;width:55%;margin-bottom:16px;}

/* MOBILE RESPONSIVE */
@media(max-width:768px){
  .page{padding:24px 16px 40px;}
  .page-header{padding:20px 24px;}
  .header-title{font-size:20px;}
  .content-card{padding:24px 20px;}
  .rich-content h2{font-size:16px;}
}

@media(max-width:480px){
  .page{padding:16px 12px 32px;}
  .page-header{padding:16px 18px;margin-bottom:16px;}
  .header-title{font-size:18px;}
  .content-card{padding:18px 16px;border-radius:12px;}
  .rich-content p{font-size:13px;}
  .rich-content ul li,.rich-content ol li{font-size:13px;}
  .rich-content h2{font-size:15px;padding-bottom:6px;}
}