/* CSS for: terms-and-conditions */

.tc,.tc *{box-sizing:border-box;margin:0;padding:0}
.tc{
  font-family:'Red Hat Text',sans-serif;
  color:#4d4d4d;line-height:1.8;font-size:18px;
  --n:#1b1464;--soft:#6b6480;--muted:#9490aa;
  --bdr:#e4e1f4;--bg:#f8f7fd;--card:#ffffff;
}

/* ══ HERO ══ */
.tc-hero{
  text-align:center;padding:60px 32px 52px;
  background:linear-gradient(155deg,#ede9ff 0%,#f9f8ff 55%,#fff 100%);
  border-radius:20px;margin-bottom:52px;
  position:relative;overflow:hidden;
}
.tc-hero::before{
  content:'';position:absolute;top:-60px;right:-60px;
  width:300px;height:300px;border-radius:50%;
  background:radial-gradient(circle,rgba(79,70,229,.07) 0%,transparent 70%);
  pointer-events:none;
}
.tc-badge{
  display:inline-block;background:rgba(27,20,100,.09);color:var(--n);
  font-size:.78rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;
  padding:6px 16px;border-radius:50px;border:1px solid rgba(27,20,100,.15);
  margin-bottom:16px;
}
.tc-h1{
  font-size:clamp(2rem,5vw,3.2rem);font-weight:700;color:var(--n);
  letter-spacing:-.5px;line-height:1.15;margin-bottom:16px;
}
.tc-h1 em{font-style:normal;border-bottom:3px solid var(--n);padding-bottom:2px}
.tc-sub{
  max-width:620px;margin:0 auto 32px;
  color:var(--soft);font-size:1.1rem;line-height:1.75;
}
.tc-meta{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;border:1.5px solid var(--bdr);
  border-radius:50px;padding:8px 20px;
  font-size:.88rem;color:var(--muted);font-weight:500;
}
.tc-meta strong{color:var(--n)}

/* ══ LABEL ══ */
.tc-lbl{display:flex;align-items:center;gap:12px;margin-bottom:24px}
.tc-lbl::after{content:'';flex:1;height:1px;background:var(--bdr)}
.tc-lbl span{font-size:.74rem;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--n);white-space:nowrap}

/* ══ HIGHLIGHT CARDS ══ */
.tc-highlights{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:52px}
.tc-hl{
  background:var(--card);border:1.5px solid var(--bdr);
  border-radius:16px;padding:22px 18px;text-align:center;
  transition:transform .3s,box-shadow .3s,border-color .3s;
}
.tc-hl:hover{transform:translateY(-4px);box-shadow:0 14px 32px rgba(27,20,100,.08);border-color:var(--n)}
.tc-hl-ico{font-size:2rem;margin-bottom:10px;display:block}
.tc-hl-h{font-size:1rem;font-weight:700;color:var(--n);margin-bottom:5px}
.tc-hl-p{font-size:.9rem;color:var(--soft);line-height:1.55}

/* ══ MAIN LAYOUT ══ */
.tc-wrap{
  display:grid;grid-template-columns:260px 1fr;
  gap:32px;margin-bottom:52px;align-items:start;
}

/* ══ SIDEBAR NAV ══ */
.tc-nav{
  position:sticky;top:24px;
  background:var(--card);border:1.5px solid var(--bdr);
  border-radius:16px;padding:20px;
}
.tc-nav-title{
  font-size:.74rem;font-weight:700;letter-spacing:2px;
  text-transform:uppercase;color:var(--muted);
  margin-bottom:14px;padding-bottom:12px;
  border-bottom:1px solid var(--bdr);
}
.tc-nav ul{list-style:none;display:flex;flex-direction:column;gap:4px}
.tc-nav a{
  display:block;padding:9px 12px;border-radius:8px;
  font-size:.92rem;font-weight:500;color:var(--soft);
  text-decoration:none;transition:background .2s,color .2s;
  line-height:1.4;
}
.tc-nav a:hover{background:var(--bg);color:var(--n)}
.tc-nav a.active{background:var(--n);color:#fff;font-weight:600}
.tc-nav-divider{height:1px;background:var(--bdr);margin:10px 0}
.tc-nav-sub{font-size:.7rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted);padding:4px 12px}

/* ══ TERMS SECTIONS ══ */
.tc-sections{display:flex;flex-direction:column;gap:14px}
.tc-section{
  background:var(--card);border:1.5px solid var(--bdr);
  border-radius:18px;padding:32px 30px;
  transition:border-color .25s;
}
.tc-section:hover{border-color:rgba(27,20,100,.22)}
.tc-sec-header{
  display:flex;align-items:center;gap:14px;
  margin-bottom:18px;
}
.tc-sec-num{
  width:42px;height:42px;border-radius:11px;
  background:var(--n);color:#fff;
  font-size:.95rem;font-weight:700;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.tc-sec-h{font-size:1.2rem;font-weight:700;color:var(--n);line-height:1.25}
.tc-sec-p{font-size:1rem;color:var(--soft);line-height:1.78}
.tc-sec-p + .tc-sec-p{margin-top:12px}

/* SMS special section */
.tc-sms{
  background:linear-gradient(160deg,#f0eeff,#f9f8ff);
  border-color:rgba(27,20,100,.2);
}
.tc-sms .tc-sec-num{background:linear-gradient(135deg,#4338ca,#6366f1)}
.tc-sms-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}
.tc-sms-item{
  background:#fff;border:1.5px solid var(--bdr);
  border-radius:12px;padding:16px 18px;
  transition:border-color .2s;
}
.tc-sms-item:hover{border-color:var(--n)}
.tc-sms-item h5{
  font-size:.88rem;font-weight:700;letter-spacing:.5px;
  color:var(--n);margin-bottom:6px;
  display:flex;align-items:center;gap:7px;
}
.tc-sms-item p{font-size:.93rem;color:var(--soft);line-height:1.65}
.tc-sms-example{
  background:var(--bg);border-radius:8px;padding:10px 14px;
  font-size:.88rem;color:var(--soft);
  border-left:3px solid var(--n);margin-top:8px;
  font-style:italic;line-height:1.6;
}

/* ══ CONTACT CARDS ══ */
.tc-contact{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:52px}
.tc-contact-card{
  background:var(--card);border:1.5px solid var(--bdr);
  border-radius:18px;padding:28px 26px;
  display:flex;align-items:flex-start;gap:16px;
  transition:transform .3s,box-shadow .3s,border-color .3s;
}
.tc-contact-card:hover{transform:translateY(-4px);box-shadow:0 14px 32px rgba(27,20,100,.08);border-color:var(--n)}
.tc-contact-ico{
  width:52px;height:52px;border-radius:13px;
  background:linear-gradient(135deg,var(--n),#3730a3);
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;flex-shrink:0;
}
.tc-contact-lbl{font-size:.78rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.tc-contact-val{font-size:1.1rem;font-weight:700;color:var(--n);text-decoration:none;display:block;margin-bottom:3px}
.tc-contact-val:hover{text-decoration:underline}
.tc-contact-sub{font-size:.88rem;color:var(--soft)}

/* ══ AGREEMENT BOX ══ */
.tc-agree{
  background:linear-gradient(135deg,#1b1464 0%,#2c1f9a 100%);
  border-radius:22px;padding:44px 44px;
  margin-bottom:40px;position:relative;overflow:hidden;
  text-align:center;
}
.tc-agree::before{
  content:'';position:absolute;top:-60px;right:-60px;
  width:220px;height:220px;border-radius:50%;
  background:rgba(255,255,255,.04);
}
.tc-agree-ico{font-size:2.8rem;margin-bottom:14px;display:block}
.tc-agree-h{
  font-size:clamp(1.5rem,3vw,2rem);font-weight:700;color:#fff;
  margin-bottom:10px;line-height:1.2;
}
.tc-agree-p{
  max-width:560px;margin:0 auto 28px;
  color:rgba(255,255,255,.72);font-size:1rem;line-height:1.75;
}
.tc-agree-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.tc-agree-p-btn{
  background:#fff;color:var(--n);
  padding:13px 28px;border-radius:50px;
  font-family:'Red Hat Text',sans-serif;font-weight:700;font-size:.97rem;
  text-decoration:none;transition:transform .2s,box-shadow .2s;
}
.tc-agree-p-btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(0,0,0,.2);color:var(--n)}
.tc-agree-o-btn{
  background:transparent;color:#fff;
  border:2px solid rgba(255,255,255,.4);
  padding:13px 28px;border-radius:50px;
  font-family:'Red Hat Text',sans-serif;font-weight:600;font-size:.97rem;
  text-decoration:none;transition:border-color .2s,background .2s;
}
.tc-agree-o-btn:hover{border-color:#fff;background:rgba(255,255,255,.1);color:#fff}

/* ══ TABLET 960px ══ */
@media(max-width:960px){
  .tc-highlights{grid-template-columns:1fr 1fr;gap:14px}
  .tc-wrap{grid-template-columns:220px 1fr;gap:24px}
  .tc-sms-grid{grid-template-columns:1fr}
  .tc-contact{grid-template-columns:1fr 1fr}
  .tc-agree{padding:36px 32px}
}

/* ══ MOBILE 640px ══ */
@media(max-width:640px){
  .tc-hero{padding:40px 20px 36px;border-radius:16px;margin-bottom:36px}
  .tc-h1{font-size:1.9rem}
  .tc-sub{font-size:1rem;margin-bottom:18px}

  /* HIGHLIGHTS — 1 col */
  .tc-highlights{grid-template-columns:1fr;gap:12px;margin-bottom:36px}
  .tc-hl{
    display:grid;grid-template-columns:auto 1fr;
    align-items:start;gap:0 14px;text-align:left;padding:18px 16px;
  }
  .tc-hl-ico{grid-row:1/3;font-size:1.9rem;margin:2px 0 0}
  .tc-hl-h{font-size:.97rem;margin-bottom:4px}
  .tc-hl-p{font-size:.88rem}

  /* HIDE SIDEBAR on mobile */
  .tc-wrap{grid-template-columns:1fr;gap:0}
  .tc-nav{display:none}
  .tc-section{padding:24px 18px;border-radius:14px}
  .tc-sec-h{font-size:1.05rem}
  .tc-sec-p{font-size:.97rem}
  .tc-sms-grid{grid-template-columns:1fr;gap:12px}

  /* CONTACT */
  .tc-contact{grid-template-columns:1fr;gap:12px;margin-bottom:36px}
  .tc-contact-card{padding:22px 18px;border-radius:14px}
  .tc-contact-ico{width:46px;height:46px;font-size:1.2rem}

  /* AGREE */
  .tc-agree{padding:28px 18px;border-radius:16px}
  .tc-agree-h{font-size:1.4rem}
  .tc-agree-p{font-size:.95rem}
  .tc-agree-btns{flex-direction:column;gap:10px;align-items:stretch}
  .tc-agree-p-btn,.tc-agree-o-btn{text-align:center;padding:14px 20px}
}
@media(max-width:400px){
  .tc-h1{font-size:1.65rem}
  .tc-highlights{grid-template-columns:1fr}
}