.terms-hero{background-color:#042d4d;color:white;padding:80px 20px 40px;text-align:center;margin-top:80px}.terms-hero h1{font-size:2.5rem;margin:0;color:white}.terms-content{max-width:900px;margin:60px auto;padding:40px 30px;background:white;border-radius:8px;box-shadow:0 2px 10px rgba(0,0,0,0.1);line-height:1.8}.terms-content h2{color:#042d4d;font-size:1.6rem;margin-top:40px;margin-bottom:15px;padding-bottom:10px;border-bottom:2px solid #042d4d}.terms-content p{margin:15px 0;font-size:1.05rem;color:#333}.terms-content ul{margin:15px 0;padding-left:30px}.terms-content li{margin:10px 0;font-size:1.05rem;color:#333}.terms-content strong{color:#042d4d}.terms-effective-date{font-style:italic;color:#666;margin-top:40px}@media (max-width: 768px){.terms-hero{padding:60px 20px 30px;margin-top:60px}.terms-hero h1{font-size:2rem}.terms-content{margin:40px 15px;padding:30px 20px}.terms-content h2{font-size:1.4rem}}