:root {
    --navy: #001b45;
    --dark: #071a3d;
    --gold: #d99500;
    --text: #081735;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: "Inter", "Segoe UI", sans-serif;
    color: var(--text);
    background: #fff;
}

a {
    text-decoration: none;
}

/* Header */
.top-bar {
    background: linear-gradient(90deg, #061b42, #00142f);
    color: #fff;
    font-size: 14px;
    padding: 9px 0;
}

.top-left {
    display: flex;
    gap: 28px;
    flex-wrap: wrap;
}

.top-left i,
.top-social i {
    margin-right: 7px;
}

.top-social {
    display: flex;
    gap: 20px;
}

.main-header {
    background: #fff;
    box-shadow: 0 4px 20px rgba(0,0,0,.05);
    position: sticky;
    top: 0;
    z-index: 99;
}

.logo {
    width: 185px;
}

.navbar {
    padding: 18px 0;
}

.navbar-nav {
    gap: 24px;
}

.nav-link {
    color: #081735;
    font-weight: 700;
    font-size: 15px;
}

.nav-link:hover {
    color: var(--gold);
}

.btn-gold {
    background: linear-gradient(135deg, #edae16, #d89500);
    color: #fff;
    font-weight: 800;
    padding: 14px 30px;
    border-radius: 6px;
}

.btn-gold:hover {
    color: #fff;
}

/* Hero */
.terms-hero {
    background: linear-gradient(135deg, #001b45, #00102d);
    color: #fff;
    padding: 70px 0 60px;
}

.terms-hero h1 {
    font-size: 44px;
    font-weight: 900;
    margin-bottom: 26px;
}

.terms-hero h1::after {
    content: "";
    width: 62px;
    height: 3px;
    background: var(--gold);
    display: block;
    margin-top: 18px;
}

.terms-hero p {
    font-size: 18px;
    line-height: 1.8;
    max-width: 660px;
}

.terms-visual {
    position: relative;
    font-size: 150px;
    color: #e9eef7;
}

.shield-small {
    position: absolute;
    left: 95px;
    bottom: 15px;
    color: var(--gold);
    font-size: 68px;
}

/* Cards */
.terms-content {
    padding: 35px 0 20px;
}

.term-card {
    border: 1px solid #dfe6ef;
    border-radius: 10px;
    padding: 24px;
    height: 100%;
    display: flex;
    gap: 22px;
    box-shadow: 0 8px 24px rgba(0, 27, 69, .04);
    background: #fff;
}

.term-icon {
    width: 68px;
    height: 68px;
    min-width: 68px;
    border-radius: 50%;
    background: #edf2f8;
    color: var(--navy);
    display: grid;
    place-items: center;
    font-size: 32px;
}

.term-card h4,
.changes-box h4 {
    font-size: 19px;
    font-weight: 900;
    color: var(--dark);
}

.term-card h4 span {
    color: var(--gold);
    margin-right: 12px;
}

.term-card p,
.changes-box p {
    margin: 0;
    line-height: 1.7;
    font-size: 15px;
}

/* Changes */
.changes-box {
    margin-top: 16px;
    border: 1px solid #dfe6ef;
    border-radius: 10px;
    padding: 24px;
    display: grid;
    grid-template-columns: 70px 1fr 230px;
    gap: 22px;
    align-items: center;
    box-shadow: 0 8px 24px rgba(0, 27, 69, .04);
}

.effective-date {
    border-left: 1px solid #ccd5e1;
    padding-left: 28px;
    display: flex;
    gap: 18px;
    align-items: center;
}

.effective-date i {
    font-size: 38px;
    color: var(--navy);
}

.effective-date h5 {
    font-size: 17px;
    font-weight: 900;
}

.effective-date p {
    margin: 0;
}

/* CTA */
.terms-cta {
    margin-top: 16px;
    background: linear-gradient(135deg, #001b45, #00102d);
    color: #fff;
    border-radius: 10px;
    padding: 30px 55px;
    display: grid;
    grid-template-columns: 90px 1fr 230px;
    gap: 25px;
    align-items: center;
}

.cta-icon {
    width: 90px;
    height: 90px;
    border: 2px solid var(--gold);
    color: var(--gold);
    border-radius: 50%;
    display: grid;
    place-items: center;
    font-size: 40px;
}

.terms-cta h3 {
    font-size: 27px;
    font-weight: 900;
}

.terms-cta p {
    margin: 0;
}

/* Trust */
.trust-strip {
    padding: 24px 0;
    border-top: 1px solid #e4e9f0;
}

.trust-wrap {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 18px;
    border-right: 1px solid #ccd5e1;
    padding: 0 30px;
}

.trust-item i {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: #edf2f8;
    color: var(--navy);
    display: grid;
    place-items: center;
    font-size: 28px;
}

.trust-item h6 {
    font-weight: 900;
    margin-bottom: 4px;
}

.trust-item p {
    margin: 0;
    font-size: 14px;
}

/* Footer */
.footer {
    background: linear-gradient(135deg, #001b45, #00102d);
    color: #fff;
    padding: 35px 0 0;
}

.footer-logo {
    width: 170px;
    margin-bottom: 15px;
}

.footer p,
.footer li {
    font-size: 14px;
    line-height: 1.8;
    color: #eef4ff;
}

.footer h5 {
    font-weight: 900;
    margin-bottom: 16px;
    position: relative;
}

.footer h5::after {
    content: "";
    width: 32px;
    height: 2px;
    background: var(--gold);
    display: block;
    margin-top: 8px;
}

.footer ul {
    list-style: none;
    padding: 0;
}

.footer-social {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.footer-social i {
    width: 32px;
    height: 32px;
    border: 1px solid #fff;
    border-radius: 50%;
    display: grid;
    place-items: center;
}

.footer input {
    width: 100%;
    padding: 13px;
    border-radius: 5px;
    border: 0;
    margin-bottom: 12px;
}

.footer button {
    background: linear-gradient(135deg, #edae16, #d89500);
    color: #fff;
    border: 0;
    font-weight: 800;
    padding: 12px 28px;
    border-radius: 6px;
}

.footer-bottom {
    margin-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.15);
    padding: 15px 0;
    display: flex;
    justify-content: space-between;
    gap: 10px;
}

.footer-bottom p {
    margin: 0;
}

/* Responsive */
@media (max-width: 991px) {
    .navbar-nav {
        gap: 5px;
        margin-top: 20px;
    }

    .btn-gold {
        margin-top: 15px;
    }

    .changes-box,
    .terms-cta {
        grid-template-columns: 1fr;
        text-align: center;
        justify-items: center;
        padding: 28px 20px;
    }

    .effective-date {
        border-left: 0;
        padding-left: 0;
    }

    .trust-wrap {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }

    .trust-item {
        border-right: 0;
        border-bottom: 1px solid #ccd5e1;
        padding-bottom: 18px;
    }
}

@media (max-width: 767px) {
    .top-bar .container {
        flex-direction: column;
        gap: 10px;
    }

    .top-left {
        justify-content: center;
        gap: 12px;
        font-size: 12px;
    }

    .logo {
        width: 150px;
    }

    .terms-hero h1 {
        font-size: 31px;
    }

    .terms-hero p {
        font-size: 15px;
    }

    .terms-visual {
        font-size: 95px;
    }

    .shield-small {
        left: 72px;
        font-size: 42px;
    }

    .term-card {
        flex-direction: column;
    }

    .trust-wrap {
        grid-template-columns: 1fr;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}