/* TestSeriesPoint — term-condition.css */
/* ── Hero ── */
    .terms-hero {
        background: linear-gradient(135deg, #0C447C 0%, #185FA5 60%, #0F6E56 100%);
        border-radius: 16px;
        padding: 3.5rem 2rem 2.75rem;
        text-align: center;
        position: relative;
        overflow: hidden;
        margin-bottom: 2.5rem;
    }
    .terms-hero::before {
        content: '';
        position: absolute;
        top: -50px; right: -50px;
        width: 200px; height: 200px;
        border-radius: 50%;
        background: rgba(255,255,255,0.05);
    }
    .terms-hero .hero-badge {
        display: inline-block;
        background: rgba(255,255,255,0.16);
        color: #fff;
        font-size: 11px;
        font-weight: 600;
        letter-spacing: 0.08em;
        padding: 5px 16px;
        border-radius: 20px;
        margin-bottom: 0.85rem;
        text-transform: uppercase;
    }
    .terms-hero h1 {
        font-size: 2.4rem;
        font-weight: 700;
        color: #fff;
        margin-bottom: 0.65rem;
        line-height: 1.2;
    }
    .terms-hero p.hero-sub {
        font-size: 0.95rem;
        color: rgba(255,255,255,0.82);
        max-width: 520px;
        margin: 0 auto;
        line-height: 1.7;
    }
    .updated-pill {
        display: inline-block;
        background: rgba(255,255,255,0.12);
        color: rgba(255,255,255,0.75);
        font-size: 11px;
        padding: 4px 12px;
        border-radius: 20px;
        margin-top: 0.85rem;
    }

    /* ── Table of Contents ── */
    .toc-card {
        background: #f8f9fa;
        border: 1px solid #e9ecef;
        border-radius: 14px;
        padding: 1.5rem;
        margin-bottom: 2rem;
    }
    .toc-card h6 {
        font-size: 11px;
        font-weight: 700;
        letter-spacing: 0.1em;
        text-transform: uppercase;
        color: #6c757d;
        margin-bottom: 1rem;
    }
    .toc-grid {
        display: grid;
        grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
        gap: 6px;
    }
    .toc-grid a {
        display: flex;
        align-items: center;
        gap: 8px;
        font-size: 13px;
        color: #185FA5;
        text-decoration: none;
        padding: 5px 0;
        transition: color 0.2s;
    }
    .toc-grid a:hover { color: #0C447C; }
    .toc-num {
        font-size: 11px;
        color: #adb5bd;
        min-width: 18px;
        font-weight: 600;
    }

    /* ── Policy Sections ── */
    .policy-section {
        background: #fff;
        border: 1px solid #e9ecef;
        border-left: 4px solid #185FA5;
        border-radius: 0 14px 14px 0;
        padding: 1.75rem 1.75rem 1.75rem 1.5rem;
        margin-bottom: 1.25rem;
        box-shadow: 0 2px 10px rgba(0,0,0,0.04);
        scroll-margin-top: 80px;
    }
    .policy-section.teal-accent  { border-left-color: #1D9E75; }
    .policy-section.amber-accent { border-left-color: #BA7517; }
    .policy-section.red-accent   { border-left-color: #A32D2D; }

    .section-eyebrow {
        font-size: 10px;
        font-weight: 700;
        letter-spacing: 0.1em;
        text-transform: uppercase;
        color: #185FA5;
        margin-bottom: 0.3rem;
    }
    .section-eyebrow.teal  { color: #0F6E56; }
    .section-eyebrow.amber { color: #854F0B; }
    .section-eyebrow.red   { color: #791F1F; }

    .policy-section h2 {
        font-size: 1.2rem;
        font-weight: 700;
        color: #212529;
        margin-bottom: 0.85rem;
    }
    .policy-section p {
        font-size: 0.9rem;
        color: #495057;
        line-height: 1.85;
        margin-bottom: 0.65rem;
    }
    .policy-section p:last-child { margin-bottom: 0; }

    /* Rights / feature grid */
    .rights-grid {
        display: grid;
        grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
        gap: 8px;
        margin-top: 0.85rem;
    }
    .right-item {
        background: #f8f9fa;
        border-radius: 8px;
        padding: 10px 12px;
        display: flex;
        align-items: flex-start;
        gap: 9px;
    }
    .right-dot {
        width: 7px; height: 7px;
        border-radius: 50%;
        background: #185FA5;
        flex-shrink: 0;
        margin-top: 5px;
    }
    .right-dot.teal  { background: #1D9E75; }
    .right-dot.amber { background: #BA7517; }
    .right-item span {
        font-size: 12px;
        color: #495057;
        line-height: 1.6;
    }

    /* Info chips */
    .info-chips { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 0.85rem; }
    .chip {
        display: inline-block;
        font-size: 11px;
        font-weight: 600;
        padding: 5px 14px;
        border-radius: 20px;
    }
    .chip-blue  { background: #E6F1FB; color: #0C447C; }
    .chip-green { background: #E1F5EE; color: #085041; }
    .chip-amber { background: #FAEEDA; color: #633806; }

    /* Disclaimer */
    .disclaimer-box {
        background: #FAEEDA;
        border: 1px solid #FAC775;
        border-radius: 10px;
        padding: 1.25rem 1.5rem;
        margin-bottom: 2rem;
    }
    .disclaimer-box h4 {
        font-size: 0.9rem;
        font-weight: 700;
        color: #633806;
        margin-bottom: 0.4rem;
    }
    .disclaimer-box p {
        font-size: 0.83rem;
        color: #854F0B;
        line-height: 1.8;
        margin: 0;
    }

    /* Footer strip */
    .terms-footer-strip {
        background: #E6F1FB;
        border: 1px solid #B5D4F4;
        border-radius: 14px;
        padding: 1.5rem;
        display: flex;
        align-items: center;
        justify-content: space-between;
        flex-wrap: wrap;
        gap: 0.75rem;
    }
    .terms-footer-strip p { font-size: 13px; color: #0C447C; margin: 0; }
    .terms-footer-strip a { color: #185FA5; font-weight: 600; text-decoration: none; }
    .terms-footer-strip a:hover { text-decoration: underline; }

    @media (max-width: 767px) {
        .terms-hero h1 { font-size: 1.75rem; }
        .toc-grid { grid-template-columns: 1fr 1fr; }
        .terms-footer-strip { flex-direction: column; }
    }