.page-disclaimer {
  --terms-rail: 168px;
  background: var(--doc);
  color: var(--slate);
}

.page-disclaimer .container {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: 20px;
}

/* ---------- Hero ---------- */
.page-disclaimer .terms-hero {
  position: relative;
  background: var(--navy);
  color: var(--doc);
  overflow: hidden;
}

.page-disclaimer .terms-hero__media {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border-radius: 0;
  opacity: .38;
  pointer-events: none;
}

.page-disclaimer .terms-hero__media .media__img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 35%;
}

.page-disclaimer .terms-hero__media .media__tag {
  display: none;
}

.page-disclaimer .terms-hero__inner {
  position: relative;
  z-index: 1;
  padding-block: 40px 44px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.page-disclaimer .breadcrumb {
  color: var(--mist);
  font-size: 13px;
}

.page-disclaimer .breadcrumb__link {
  color: var(--mist);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: border-color var(--ease), color var(--ease);
}

.page-disclaimer .breadcrumb__link:hover,
.page-disclaimer .breadcrumb__link:focus-visible {
  color: var(--orange);
  border-bottom-color: var(--orange);
}

.page-disclaimer .terms-hero .breadcrumb__current {
  color: var(--orange);
}

.page-disclaimer .terms-hero .eyebrow {
  color: var(--orange);
  letter-spacing: .14em;
  font-size: 12px;
  margin: 0;
}

.page-disclaimer .terms-hero__title {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(30px, 7vw, 62px);
  line-height: 1.08;
  letter-spacing: -.01em;
  color: #fff;
}

.page-disclaimer .terms-hero__lede {
  margin: 0;
  max-width: 62ch;
  font-size: 16px;
  line-height: 1.8;
  color: var(--mist);
}

.page-disclaimer .terms-hero__meta {
  display: grid;
  gap: 10px;
  margin-top: 8px;
  padding-top: 18px;
  border-top: 1px solid rgba(169, 186, 201, .3);
}

.page-disclaimer .terms-hero__meta-item {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 12px;
  font-size: 14px;
  color: var(--doc);
}

.page-disclaimer .terms-hero__meta-key {
  color: var(--teal);
  background: rgba(15, 107, 94, .22);
  border: 1px solid rgba(255, 215, 196, .18);
  border-radius: var(--radius-pill);
  padding: 1px 10px;
  font-size: 12px;
  letter-spacing: .06em;
  align-self: center;
}

.page-disclaimer .terms-hero__meta-item a {
  color: var(--orange-soft);
  text-decoration: none;
  border-bottom: 1px solid rgba(255, 215, 196, .5);
}

.page-disclaimer .terms-hero__meta-item a:hover,
.page-disclaimer .terms-hero__meta-item a:focus-visible {
  color: var(--orange);
  border-bottom-color: var(--orange);
}

/* ---------- Index ---------- */
.page-disclaimer .terms-index {
  background: var(--paper);
  border-bottom: 1px solid var(--slate);
  position: sticky;
  top: 0;
  z-index: 5;
}

.page-disclaimer .terms-index .container {
  padding-block: 14px;
}

.page-disclaimer .terms-index__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 10px;
}

.page-disclaimer .terms-index__title {
  margin: 0;
  font-size: 12px;
  letter-spacing: .18em;
  color: var(--navy);
  text-transform: uppercase;
}

.page-disclaimer .terms-print {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: .06em;
  padding: 7px 14px;
  border-radius: var(--radius-pill);
  background: var(--navy);
  color: var(--doc);
  border: 1px solid var(--navy);
  cursor: pointer;
  transition: background var(--ease), color var(--ease);
}

.page-disclaimer .terms-print:hover,
.page-disclaimer .terms-print:focus-visible {
  background: var(--orange);
  border-color: var(--orange);
  color: var(--ink);
}

.page-disclaimer .terms-index__list {
  display: flex;
  gap: 8px;
  margin: 0;
  padding: 0 0 2px;
  list-style: none;
  overflow-x: auto;
  scrollbar-width: thin;
}

.page-disclaimer .terms-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  flex: 0 0 auto;
  padding: 7px 15px;
  border: 1px solid var(--slate);
  border-radius: var(--radius-pill);
  background: var(--surface);
  color: var(--navy);
  font-size: 14px;
  text-decoration: none;
  white-space: nowrap;
  transition: background var(--ease), color var(--ease), border-color var(--ease);
}

.page-disclaimer .terms-pill .mono {
  font-size: 12px;
  color: var(--teal);
  letter-spacing: .04em;
}

.page-disclaimer .terms-pill:hover,
.page-disclaimer .terms-pill:focus-visible {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--doc);
}

.page-disclaimer .terms-pill:hover .mono,
.page-disclaimer .terms-pill:focus-visible .mono {
  color: var(--orange);
}

/* ---------- Body & clauses ---------- */
.page-disclaimer .terms-body {
  padding-block: 36px 56px;
}

.page-disclaimer .terms-body__grid {
  display: grid;
  gap: 26px;
}

.page-disclaimer .terms-clause {
  position: relative;
  padding: 26px 20px 28px;
  background: var(--surface);
  border: 1px solid var(--paper);
  border-left: 6px solid var(--navy);
  border-radius: var(--radius-lg);
  scroll-margin-top: 150px;
}

.page-disclaimer .terms-clause:hover {
  border-left-color: var(--orange);
}

.page-disclaimer .terms-clause__head {
  display: flex;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 14px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--paper);
}

.page-disclaimer .terms-clause__num {
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: clamp(30px, 8vw, 46px);
  line-height: .9;
  color: var(--orange);
  letter-spacing: -.02em;
  flex: 0 0 auto;
}

.page-disclaimer .terms-clause__title {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(20px, 4.4vw, 28px);
  line-height: 1.2;
  color: var(--navy);
}

.page-disclaimer .terms-clause__notes {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 14px;
}

.page-disclaimer .terms-clause__notes .tag {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: .05em;
  padding: 3px 10px;
  border-radius: var(--radius-pill);
  border: 1px solid transparent;
}

.page-disclaimer .terms-clause__notes .tag--teal {
  background: rgba(15, 107, 94, .12);
  color: var(--teal);
  border-color: rgba(15, 107, 94, .35);
}

.page-disclaimer .terms-clause__notes .tag--orange {
  background: var(--orange-soft);
  color: var(--ink);
  border-color: var(--orange);
}

.page-disclaimer .terms-clause__notes .tag--dark {
  background: var(--navy);
  color: var(--doc);
  border-color: var(--navy);
}

.page-disclaimer .terms-clause__notes .tag--ghost {
  background: transparent;
  color: var(--slate);
  border-color: var(--paper);
}

.page-disclaimer .terms-clause__prose {
  max-width: 68ch;
}

.page-disclaimer .terms-clause__prose p {
  margin: 0 0 14px;
  font-size: 16px;
  line-height: 1.8;
  color: var(--slate);
}

.page-disclaimer .terms-clause__prose p:last-child {
  margin-bottom: 0;
}

.page-disclaimer .terms-clause__prose a {
  color: var(--console);
  text-decoration: none;
  border-bottom: 1px solid var(--orange);
  transition: color var(--ease), background var(--ease);
}

.page-disclaimer .terms-clause__prose a:hover,
.page-disclaimer .terms-clause__prose a:focus-visible {
  color: var(--ink);
  background: var(--orange-soft);
}

.page-disclaimer .terms-contact {
  list-style: none;
  margin: 16px 0 0;
  padding: 14px 16px;
  display: grid;
  gap: 10px;
  background: var(--doc);
  border: 1px dashed var(--paper);
  border-radius: var(--radius);
}

.page-disclaimer .terms-contact li {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 4px 12px;
  font-size: 15px;
}

.page-disclaimer .terms-contact__key {
  min-width: 70px;
  font-size: 12px;
  letter-spacing: .06em;
  color: var(--teal);
}

.page-disclaimer .terms-contact a {
  color: var(--navy);
  font-weight: 600;
  text-decoration: none;
  border-bottom: 1px solid var(--paper);
  word-break: break-all;
}

.page-disclaimer .terms-contact a:hover,
.page-disclaimer .terms-contact a:focus-visible {
  border-bottom-color: var(--orange);
  color: var(--orange-deep);
}

/* ---------- Sidebar ---------- */
.page-disclaimer .terms-side {
  display: grid;
  gap: 14px;
  align-content: start;
}

.page-disclaimer .terms-side__card {
  padding: 20px;
  border-radius: var(--radius);
  border: 1px solid var(--paper);
  background: var(--surface);
}

.page-disclaimer .terms-side__card .eyebrow {
  margin: 0 0 8px;
  color: var(--teal);
  font-size: 11px;
  letter-spacing: .16em;
}

.page-disclaimer .terms-side__title {
  margin: 0 0 8px;
  font-family: var(--font-display);
  font-size: 20px;
  color: var(--navy);
}

.page-disclaimer .terms-side__text {
  margin: 0;
  font-size: 14px;
  line-height: 1.75;
  color: var(--slate);
}

.page-disclaimer .terms-side__card--navy {
  background: var(--navy);
  border-color: var(--navy);
}

.page-disclaimer .terms-side__card--navy .eyebrow {
  color: var(--orange);
}

.page-disclaimer .terms-side__links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 8px;
}

.page-disclaimer .terms-side__links a {
  display: block;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, .06);
  color: var(--doc);
  font-size: 14px;
  text-decoration: none;
  border-left: 3px solid var(--teal);
  transition: background var(--ease), border-color var(--ease), color var(--ease);
}

.page-disclaimer .terms-side__links a:hover,
.page-disclaimer .terms-side__links a:focus-visible {
  background: rgba(255, 107, 44, .16);
  border-left-color: var(--orange);
  color: #fff;
}

.page-disclaimer .terms-side__stamp {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 16px 20px;
  border-radius: var(--radius);
  background: var(--orange-soft);
  border: 1px solid var(--orange);
}

.page-disclaimer .terms-side__stamp-no {
  font-size: 26px;
  font-weight: 700;
  letter-spacing: -.02em;
  color: var(--ink);
}

.page-disclaimer .terms-side__stamp-text {
  font-size: 13px;
  color: var(--ink);
}

/* ---------- Desktop ---------- */
@media (min-width: 768px) {
  .page-disclaimer .container {
    padding-inline: 32px;
  }

  .page-disclaimer .terms-hero__inner {
    padding-block: 56px 60px;
    gap: 18px;
  }

  .page-disclaimer .terms-hero__meta {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
  }

  .page-disclaimer .terms-hero__meta-item {
    flex-direction: column;
    gap: 6px;
  }

  .page-disclaimer .terms-hero__meta-key {
    align-self: flex-start;
  }

  .page-disclaimer .terms-clause {
    padding: 32px 32px 34px 30px;
  }

  .page-disclaimer .terms-body {
    padding-block: 48px 72px;
  }
}

@media (min-width: 1024px) {
  .page-disclaimer .terms-body__grid {
    grid-template-columns: minmax(0, 1fr) 264px;
    gap: 40px;
    align-items: start;
  }

  .page-disclaimer .terms-clause {
    display: grid;
    grid-template-columns: var(--terms-rail) minmax(0, 1fr);
    column-gap: 26px;
    padding: 34px 36px 36px 26px;
    border-left-width: 0;
    border-top: 1px solid var(--paper);
    border-right: 1px solid var(--paper);
    border-bottom: 1px solid var(--paper);
    border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
    box-shadow: -6px 0 0 var(--navy);
    margin-bottom: 22px;
    transition: box-shadow var(--ease);
  }

  .page-disclaimer .terms-clause:hover {
    box-shadow: -6px 0 0 var(--orange);
  }

  .page-disclaimer .terms-clause__head {
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    grid-column: 1;
    margin: 0;
    padding: 0 18px 0 0;
    border-bottom: 0;
    border-right: 1px solid var(--paper);
  }

  .page-disclaimer .terms-clause__num {
    font-size: 64px;
    margin-bottom: 6px;
  }

  .page-disclaimer .terms-clause__title {
    font-size: 20px;
    line-height: 1.25;
  }

  .page-disclaimer .terms-clause__notes {
    grid-column: 2;
    grid-row: 1;
    margin-bottom: 12px;
  }

  .page-disclaimer .terms-clause__prose {
    grid-column: 2;
    grid-row: 2;
  }

  .page-disclaimer .terms-side {
    position: sticky;
    top: 132px;
  }
}

@media (min-width: 1280px) {
  .page-disclaimer .terms-clause {
    grid-template-columns: 190px minmax(0, 1fr);
    column-gap: 34px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .page-disclaimer * {
    transition: none !important;
  }
}

@media print {
  .page-disclaimer .terms-index,
  .page-disclaimer .terms-print,
  .page-disclaimer .terms-hero__media,
  .page-disclaimer .terms-side {
    display: none !important;
  }

  .page-disclaimer .terms-hero {
    background: #fff;
    color: #000;
    border-bottom: 2px solid #000;
  }

  .page-disclaimer .terms-hero__title,
  .page-disclaimer .terms-hero__lede,
  .page-disclaimer .terms-hero__meta-item {
    color: #000;
  }

  .page-disclaimer .terms-clause {
    break-inside: avoid;
    box-shadow: none;
    border: 1px solid #000;
    background: #fff;
    page-break-inside: avoid;
  }

  .page-disclaimer .terms-clause__num {
    color: #000;
  }

  .page-disclaimer .terms-clause__prose p {
    color: #000;
  }
}
<<<END>>>