/* ================= BANNER ================= */
.terms-banner {
  background: linear-gradient(
    135deg,
    #f5deb3 0%,
    #f7e7c3 45%,
    #fff3dc 100%
  );
  padding: 140px 0 110px;
  text-align: center;
}

.terms-tag {
  display: inline-block;
  margin-bottom: 14px;
  padding: 6px 18px;
  border-radius: 20px;
  background: rgba(255,255,255,0.7);
  font-size: 13px;
  font-weight: 600;
  color: #7a5b10;
}

.terms-banner h1 {
  font-size: 56px;
  font-weight: 800;
  color: #1f2937;
}

.terms-banner p {
  max-width: 760px;
  margin: 18px auto 0;
  font-size: 18px;
  line-height: 1.7;
  color: #334155;
}

/* ================= CONTENT ================= */
.terms-content {
  padding: 100px 0;
  background: #ffffff;
}

/* ================= CARDS ================= */
.terms-card {
  background: linear-gradient(135deg, #d9bc66, #c9a94f);
  padding: 42px 36px;
  border-radius: 22px;
  height: 100%;
  transition: all 0.4s ease;
  box-shadow: 0 18px 45px rgba(0,0,0,0.18);
}

.terms-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 32px 70px rgba(0,0,0,0.3);
}

.terms-card i {
  font-size: 36px;
  color: #1f2937;
  margin-bottom: 14px;
  display: inline-block;
}

.terms-card h5 {
  font-weight: 700;
  margin-bottom: 10px;
  color: #1f2937;
}

.terms-card p {
  font-size: 15px;
  line-height: 1.7;
  color: #1f2937;
}

.terms-card a {
  font-weight: 600;
  color: #1f2937;
  text-decoration: underline;
}

/* ================= HIGHLIGHT CARD ================= */
.terms-card.highlight {
  background: linear-gradient(135deg, #1e293b, #020617);
}

.terms-card.highlight,
.terms-card.highlight h5,
.terms-card.highlight p,
.terms-card.highlight a {
  color: #ffffff;
}

/* ================= RESPONSIVE ================= */
@media (max-width: 992px) {
  .terms-banner h1 {
    font-size: 42px;
  }
}
ul, li, a {
  list-style: none !important;
  text-decoration: none !important;
  padding: 0;
  margin: 0;
}