  /* ============================================================
     DESIGN TOKENS
     ============================================================ */
  :root {
    --navy: #2d3a7d;
    --navy-dark: #232e66;
    --navy-deeper: #1a2452;
    --navy-50: #eef0f8;
    --pink: #e91e85;
    --pink-soft: #ffb3d9;
    --pink-50: #fdeaf3;
    --orange: #f58024;
    --orange-soft: #fcb549;
    --orange-50: #fff2e6;
    --red: #e64644;
    --magenta: #d823cd;

    --grad: linear-gradient(90deg, #fcb549 0%, #e64644 50%, #d823cd 100%);
    --grad-tilt: linear-gradient(135deg, #fcb549 0%, #e64644 50%, #d823cd 100%);
    --grad-soft: linear-gradient(135deg, #fff2e6 0%, #fdeaf3 100%);

    --bg: #ffffff;
    --surface: #f8f9fb;
    --surface-2: #f2f4f8;
    --border: #e8eaef;
    --text: #151515;
    --text-muted: #6f6f6f;

    --font: 'Figtree', system-ui, -apple-system, sans-serif;

    --sh-sm: 0 1px 2px rgba(35, 46, 102, 0.04), 0 2px 6px rgba(35, 46, 102, 0.04);
    --sh-md: 0 4px 8px rgba(35, 46, 102, 0.06), 0 8px 24px rgba(35, 46, 102, 0.08);
    --sh-lg: 0 12px 24px -8px rgba(35, 46, 102, 0.12), 0 24px 64px -12px rgba(35, 46, 102, 0.18);
  }

  *, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
  html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
  body {
    font-family: var(--font);
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
  }
  img, video, svg { display: block; max-width: 100%; }
  a { color: inherit; text-decoration: none; }
  button { font-family: inherit; cursor: pointer; border: none; background: none; }
  ::selection { background: var(--pink); color: #fff; }

  .container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 32px;
  }

  /* ============================================================
     HERO
     ============================================================ */
  .terms-hero {
    padding: 160px 0 72px;
    background: linear-gradient(180deg, var(--navy-50) 0%, var(--bg) 100%);
    position: relative;
    overflow: hidden;
  }
  .terms-hero::before {
    content: '';
    position: absolute;
    top: -160px;
    right: -120px;
    width: 520px;
    height: 520px;
    background: radial-gradient(circle, rgba(45, 58, 125, 0.10) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
  }
  .terms-hero::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: -80px;
    width: 360px;
    height: 360px;
    background: radial-gradient(circle, rgba(233, 30, 133, 0.07) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
  }
  .terms-hero-inner {
    position: relative;
    z-index: 2;
    max-width: 820px;
  }
  .kicker {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 20px;
  }
  .kicker.navy { color: var(--navy); }
  .kicker.pink { color: var(--pink); }
  .kicker.orange { color: var(--orange); }
  .kicker-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--grad);
    flex-shrink: 0;
  }
  .terms-hero h1 {
    font-size: clamp(34px, 5vw, 62px);
    font-weight: 900;
    line-height: 1.08;
    letter-spacing: -0.02em;
    margin-bottom: 24px;
    color: var(--navy-dark);
  }
  .terms-hero h1 .gr {
    background: var(--grad);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
  }
  .terms-hero-meta {
    display: flex;
    align-items: center;
    gap: 20px;
    flex-wrap: wrap;
    margin-top: 28px;
  }
  .meta-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 999px;
    font-size: 13px;
    font-weight: 600;
    color: var(--navy-dark);
    box-shadow: var(--sh-sm);
  }
  .meta-badge svg { color: var(--pink); flex-shrink: 0; }
  .terms-hero-desc {
    margin-top: 24px;
    font-size: 18px;
    color: var(--text-muted);
    line-height: 1.7;
    max-width: 680px;
  }
  .terms-hero-desc a {
    color: var(--pink);
    font-weight: 700;
    text-decoration: underline;
    text-decoration-color: var(--pink-soft);
    text-underline-offset: 3px;
  }
  .terms-hero-desc a:hover {
    text-decoration-color: var(--pink);
  }

  /* ============================================================
     LAYOUT: SIDEBAR + CONTENT
     ============================================================ */
  .terms-layout {
    display: grid;
    grid-template-columns: 260px 1fr;
    gap: 64px;
    align-items: start;
    padding: 72px 0 100px;
  }

  /* ============================================================
     STICKY TABLE OF CONTENTS
     ============================================================ */
  .terms-toc {
    position: sticky;
    top: 100px;
  }
  .toc-label {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 14px;
    display: block;
  }
  .toc-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 2px;
  }
  .toc-list a {
    display: block;
    padding: 7px 12px;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 500;
    color: var(--text-muted);
    transition: background 0.15s, color 0.15s;
    line-height: 1.4;
  }
  .toc-list a:hover {
    background: var(--navy-50);
    color: var(--navy-dark);
  }
  .toc-list a.active {
    background: var(--navy-50);
    color: var(--navy-dark);
    font-weight: 700;
  }
  .toc-number {
    font-size: 11px;
    font-weight: 700;
    color: var(--pink);
    margin-right: 6px;
    font-variant-numeric: tabular-nums;
  }
  .toc-divider {
    height: 1px;
    background: var(--border);
    margin: 12px 4px;
  }
  .toc-contact-link {
    margin-top: 20px;
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 14px;
    background: var(--grad-soft);
    border: 1px solid var(--pink-soft);
    border-radius: 12px;
    font-size: 13px;
    font-weight: 700;
    color: var(--navy-dark);
    transition: box-shadow 0.2s;
  }
  .toc-contact-link:hover {
    box-shadow: var(--sh-md);
  }
  .toc-contact-link svg { color: var(--pink); flex-shrink: 0; }

  /* ============================================================
     TERMS CONTENT
     ============================================================ */
  .terms-content {
    min-width: 0;
  }

  .terms-section {
    padding-top: 56px;
    margin-top: 8px;
  }
  .terms-section:first-child {
    padding-top: 0;
    margin-top: 0;
  }
  .terms-section + .terms-section {
    border-top: 1px solid var(--border);
  }

  .section-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    border-radius: 8px;
    background: var(--grad);
    color: #fff;
    font-size: 13px;
    font-weight: 900;
    flex-shrink: 0;
    margin-bottom: 16px;
    letter-spacing: 0;
  }

  .terms-section h2 {
    font-size: clamp(20px, 2.4vw, 28px);
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.015em;
    color: var(--navy-dark);
    margin-bottom: 20px;
    margin-top: 4px;
  }

  .terms-section p {
    font-size: 16px;
    color: var(--text-muted);
    line-height: 1.78;
    margin-bottom: 16px;
  }
  .terms-section p:last-child {
    margin-bottom: 0;
  }
  .terms-section p strong {
    color: var(--text);
    font-weight: 700;
  }

  .terms-section ul,
  .terms-section ol {
    margin: 16px 0 20px;
    padding-left: 0;
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
  }
  .terms-section ul li,
  .terms-section ol li {
    font-size: 15.5px;
    color: var(--text-muted);
    line-height: 1.7;
    padding-left: 28px;
    position: relative;
  }
  .terms-section ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 8px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--grad);
    flex-shrink: 0;
  }
  .terms-section ol {
    counter-reset: ol-counter;
  }
  .terms-section ol li {
    counter-increment: ol-counter;
  }
  .terms-section ol li::before {
    content: counter(ol-counter) ".";
    position: absolute;
    left: 0;
    top: 0;
    font-size: 13px;
    font-weight: 800;
    color: var(--pink);
    line-height: 1.78;
  }

  .terms-section ul li strong,
  .terms-section ol li strong {
    color: var(--text);
    font-weight: 700;
  }

  /* Highlight box */
  .terms-highlight {
    margin: 24px 0;
    padding: 20px 24px;
    background: var(--navy-50);
    border-left: 4px solid var(--navy);
    border-radius: 0 12px 12px 0;
  }
  .terms-highlight p {
    font-size: 15px;
    color: var(--navy-dark);
    margin-bottom: 0;
    line-height: 1.65;
  }
  .terms-highlight p strong {
    color: var(--navy-deeper);
  }

  /* Warning box */
  .terms-warning {
    margin: 24px 0;
    padding: 20px 24px;
    background: var(--orange-50);
    border-left: 4px solid var(--orange);
    border-radius: 0 12px 12px 0;
  }
  .terms-warning p {
    font-size: 15px;
    color: #7a3e00;
    margin-bottom: 0;
    line-height: 1.65;
  }

  /* Info pill row */
  .terms-info-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 20px 0;
  }
  .terms-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 9px 16px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 999px;
    font-size: 14px;
    font-weight: 600;
    color: var(--navy-dark);
    box-shadow: var(--sh-sm);
  }
  .terms-pill .pill-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    flex-shrink: 0;
  }
  .terms-pill .pill-dot.pink { background: var(--pink); }
  .terms-pill .pill-dot.orange { background: var(--orange); }
  .terms-pill .pill-dot.navy { background: var(--navy); }
  .terms-pill .pill-dot.green { background: #1a8a4a; }

  /* Service table */
  .terms-table-wrap {
    overflow-x: auto;
    margin: 24px 0;
    border-radius: 14px;
    border: 1px solid var(--border);
    box-shadow: var(--sh-sm);
  }
  .terms-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14.5px;
    background: #fff;
    border-radius: 14px;
    overflow: hidden;
  }
  .terms-table thead th {
    padding: 14px 20px;
    background: var(--navy-50);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--navy-dark);
    text-align: left;
    border-bottom: 1px solid var(--border);
  }
  .terms-table tbody td {
    padding: 13px 20px;
    color: var(--text-muted);
    border-bottom: 1px solid var(--border);
    line-height: 1.55;
    vertical-align: top;
  }
  .terms-table tbody tr:last-child td {
    border-bottom: none;
  }
  .terms-table tbody tr:nth-child(even) td {
    background: var(--surface);
  }
  .terms-table td strong {
    color: var(--text);
    font-weight: 700;
  }
  .check-yes {
    color: #1a8a4a;
    font-weight: 700;
  }
  .check-no {
    color: var(--text-muted);
    font-size: 13px;
  }

  /* Divider */
  .terms-divider {
    height: 1px;
    background: var(--border);
    margin: 16px 0 0;
  }

  /* Contact card at bottom */
  .terms-contact-card {
    margin-top: 64px;
    padding: 40px 44px;
    background: linear-gradient(135deg, var(--navy-deeper) 0%, var(--navy) 60%, #3b2a6b 130%);
    border-radius: 24px;
    color: #fff;
    position: relative;
    overflow: hidden;
  }
  .terms-contact-card::before {
    content: '';
    position: absolute;
    top: -80px;
    right: -80px;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(233, 30, 133, 0.25) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
  }
  .terms-contact-card-inner {
    position: relative;
    z-index: 2;
  }
  .terms-contact-card .cc-kicker {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.65);
    margin-bottom: 12px;
    display: block;
  }
  .terms-contact-card h3 {
    font-size: clamp(20px, 2.2vw, 26px);
    font-weight: 800;
    letter-spacing: -0.015em;
    line-height: 1.25;
    margin-bottom: 12px;
  }
  .terms-contact-card p {
    font-size: 16px;
    color: rgba(255,255,255,0.78);
    line-height: 1.65;
    margin-bottom: 24px;
    max-width: 520px;
  }
  .terms-contact-email {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 24px;
    background: rgba(255,255,255,0.14);
    border: 1px solid rgba(255,255,255,0.22);
    border-radius: 999px;
    font-size: 15px;
    font-weight: 700;
    color: #fff;
    text-decoration: none;
    transition: background 0.2s, border-color 0.2s, transform 0.2s;
    backdrop-filter: blur(10px);
  }
  .terms-contact-email:hover {
    background: rgba(255,255,255,0.22);
    border-color: rgba(255,255,255,0.4);
    transform: translateY(-2px);
  }
  .terms-contact-email svg { flex-shrink: 0; }

  /* Back link bar */
  .terms-back-bar {
    padding: 20px 0 4px;
  }
  .terms-back-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    transition: color 0.15s;
  }
  .terms-back-link:hover { color: var(--pink); }
  .terms-back-link svg { transition: transform 0.2s; }
  .terms-back-link:hover svg { transform: translateX(-3px); }

  /* ============================================================
     REVEAL ANIMATION
     ============================================================ */
  [data-reveal] {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1),
                transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
  }
  [data-reveal].in { opacity: 1; transform: translateY(0); }

  /* ============================================================
     RESPONSIVE
     ============================================================ */
  @media (max-width: 960px) {
    .terms-layout {
      grid-template-columns: 1fr;
      gap: 40px;
    }
    .terms-toc {
      position: static;
      background: var(--surface);
      border: 1px solid var(--border);
      border-radius: 16px;
      padding: 20px 24px;
    }
    .toc-list {
      flex-direction: row;
      flex-wrap: wrap;
      gap: 4px;
    }
    .toc-list a {
      font-size: 13px;
      padding: 6px 10px;
    }
    .toc-divider { display: none; }
    .toc-contact-link { display: none; }
  }
  @media (max-width: 600px) {
    .container { padding: 0 20px; }
    .terms-hero { padding: 120px 0 52px; }
    .terms-layout { padding: 48px 0 72px; gap: 28px; }
    .terms-section { padding-top: 40px; }
    .terms-contact-card { padding: 28px 26px; }
    .terms-hero-meta { flex-direction: column; align-items: flex-start; gap: 10px; }
    .terms-info-row { flex-direction: column; }
  }
