* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  font-family: 'Inter', sans-serif;
  color: #2B2F33;
  background: #FAF9F6;
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
}
img {
  max-width: 100%;
  display: block;
}
a {
  text-decoration: none;
  color: inherit;
}
ul {
  list-style: none;
}

/* CONTAINER */
.container {
  max-width: 1380px;
  margin: 0 auto;
  padding: 0 32px;
}

@media (max-width: 768px) {
  .container {
    padding: 0 20px;
  }
}

@media (max-width: 414px) {
  .container {
    padding: 0 15px;
  }
}

/* SECTIONS PARENT CLASS */
.section {
  position: relative;
  width: 100%;
}
.section--pad {
  padding: 60px 0;
}

@media (max-width: 768px) {
  .section--pad {
    padding: 50px 0;
  }
}

@media (max-width: 414px) {
  .section--pad {
    padding: 40px 0;
  }
}

/* HERO */
.terms-hero {
  background: #f8f8f8;
  padding-top: 56px;
  padding-bottom: 56px;
}

.terms-hero-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 50px;
  align-items: center;
}

.terms-hero h1 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: clamp(34px, 4.4vw, 45px);
  color: #0B2341;
  margin-bottom:17px;
}

.effective-tag {
  display: inline-block;
  font-size:21px;
  font-weight: 600;
  color: #C6A25A;
  padding-bottom: 18px;
  position: relative;
  margin-bottom:12px;
}

.effective-tag::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 8px;
  width: 40px;
  height: 2px;
  background: #C6A25A;
}

.terms-hero p {
  color: #2B2F33;
  font-size:17px;
  line-height: 1.75;
  max-width: 580px;
}

.hero-icon-wrap {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 260px;
}

.hero-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(198, 162, 90, .3);
}

.hero-ring.r1 {
  width: 78%;
  aspect-ratio: 1/1;
}

.hero-ring.r2 {
  width: 100%;
  aspect-ratio: 1/1;
  border-style: dashed;
  opacity: .6;
}

.hero-icon {
  position: relative;
  z-index: 1;
  width: 150px;
  height: 170px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #C6A25A;
  filter: drop-shadow(0 20px 30px rgba(198, 162, 90, .35));
}

.hero-icon svg {
  width: 100%;
  height: 100%;
}

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

@media (max-width: 768px) {
  .terms-hero {
    padding-top: 50px;
    padding-bottom: 50px;
  }
}

@media (max-width: 414px) {
  .terms-hero {
    padding-top: 40px;
    padding-bottom: 40px;
  }
}

/* CONTENT LAYOUT */
.terms-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 30px;
  align-items: flex-start;
}
.toc-card {
  background: #fff;
  border: 1px solid #E6E8EB;
  border-radius: 16px;
  padding: 28px 26px;
  position: sticky;
  top: 24px;
}
.toc-card h3 {
  font-size:18px;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #0B2341;
  margin-bottom: 18px;
}
.toc-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.toc-list a {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size:17px;
  color: #2B2F33;
  transition: color .2s ease;
}
.toc-list a:hover {
  color: #C6A25A;
}
.toc-list a svg {
  width: 17px;
  height: 17px;
  color: #C6A25A;
  flex-shrink: 0;
}

/* TERMS LIST */
.terms-list {
  display: flex;
  flex-direction: column;
}
.terms-item {
  display: flex;
  gap: 16px;
  padding: 22px 0;
  border-bottom: 1px solid #E6E8EB;
}
.terms-item:first-child {
  padding-top: 0;
}
.terms-item:last-child {
  border-bottom: none;
}
.terms-dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #C6A25A;
  margin-top: 9px;
  flex-shrink: 0;
}
.terms-item h3 {
  font-family: 'Playfair Display', serif;
  font-size:21px;
  color: #0B2341;
  margin-bottom: 8px;
}
.terms-item p {
  color: #6B7280;
  font-size:17px;
  line-height: 1.75;
}

@media (max-width: 900px) {
  .terms-layout {
    grid-template-columns: 1fr;
  }
  .toc-card {
    position: static;
  }
}

/* CONTACT BAR */
.terms-contact-bar {
  display: flex;
  align-items: center;
  gap:70px;
  flex-wrap: wrap;
  background: #f8f8f8;	
  border: 1px solid #E6E8EB;
  border-radius: 14px;
  padding:24px 30px;
  margin-top: 24px;
}
.contact-detail {
  display: flex;
  align-items: center;
  gap: 10px;
}
.contact-detail-icon {
  width:50px;
  height:50px;
  border-radius: 50%;
  background: #fff;
  border: 1.5px solid #C6A25A;
  color: #C6A25A;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-detail-icon svg {
  width:28px;
  height:28px;
}
.contact-detail strong {
  display: block;
  font-size:17px;
  color: #0B2341;
}
.contact-detail span {
  font-size:17px;
  color: #6B7280;
}
.contact-detail .get-directions {
  color: #C6A25A;
  font-weight: 600;
  font-size:17px;
}

@media (max-width: 414px) {
  .section.tc-content.section--pad {
    padding-bottom: 0;
  }
}