.page-disclaimer {
  --terms-rail: 104px;
  --terms-node: 46px;
  background: var(--ivory);
  color: var(--ink);
  font-family: var(--font-sans);
  overflow-x: clip;
}

/* ---------- Hero ---------- */
.page-disclaimer .terms-hero {
  position: relative;
  padding-top: clamp(24px, 5vw, 48px);
  background:
    radial-gradient(110% 70% at 92% -10%, rgba(199, 162, 75, 0.22), transparent 62%),
    radial-gradient(80% 60% at 0% 110%, rgba(127, 169, 167, 0.18), transparent 70%),
    linear-gradient(180deg, var(--ivory) 0%, var(--cream) 100%);
  border-bottom: 1px solid var(--line-gold-soft);
}

.page-disclaimer .terms-hero__inner {
  padding-bottom: clamp(28px, 5vw, 44px);
}

.page-disclaimer .terms-hero .breadcrumb {
  margin-bottom: 18px;
}

.page-disclaimer .terms-hero .eyebrow {
  color: var(--brick);
  letter-spacing: 0.16em;
  font-size: 12px;
  text-transform: uppercase;
}

.page-disclaimer .terms-hero__title {
  margin: 10px 0 18px;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: clamp(1.95rem, 6.2vw, 3.5rem);
  line-height: 1.18;
  letter-spacing: 0.01em;
  color: var(--teal-deep);
  max-width: 18em;
}

.page-disclaimer .terms-hero__lead {
  margin: 0 0 26px;
  max-width: 62ch;
  font-size: clamp(15px, 1.6vw, 17px);
  line-height: 1.85;
  color: rgba(36, 27, 23, 0.78);
}

.page-disclaimer .terms-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 32px;
  margin: 0 0 clamp(26px, 4vw, 38px);
  padding: 16px 0 0;
  list-style: none;
  border-top: 1px dashed var(--line-gold);
}

.page-disclaimer .terms-meta__item {
  display: flex;
  align-items: baseline;
  gap: 10px;
}

.page-disclaimer .terms-meta__label {
  font-size: 12px;
  letter-spacing: 0.1em;
  color: var(--mist);
}

.page-disclaimer .terms-meta__value {
  font-family: var(--font-serif);
  font-size: 15px;
  color: var(--teal);
}

.page-disclaimer .terms-dir {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
}

.page-disclaimer .terms-dir__item {
  display: grid;
  grid-template-columns: auto 1fr;
  grid-template-areas:
    "num name"
    "num desc";
  column-gap: 14px;
  row-gap: 4px;
  padding: 14px 16px;
  text-decoration: none;
  border: 1px solid var(--line-gold-soft);
  border-radius: var(--r-md);
  background: var(--glass);
  backdrop-filter: blur(6px);
  transition: transform 0.22s ease, border-color 0.22s ease, box-shadow 0.22s ease;
}

.page-disclaimer .terms-dir__item:hover,
.page-disclaimer .terms-dir__item:focus-visible {
  transform: translateY(-2px);
  border-color: var(--gold);
  box-shadow: var(--shadow-soft);
}

.page-disclaimer .terms-dir__num {
  grid-area: num;
  align-self: center;
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: var(--r-pill);
  border: 1px solid var(--gold);
  background: rgba(199, 162, 75, 0.12);
  font-family: var(--font-serif);
  font-size: 14px;
  color: var(--teal);
}

.page-disclaimer .terms-dir__name {
  grid-area: name;
  font-family: var(--font-serif);
  font-size: 16px;
  font-weight: 600;
  color: var(--teal-deep);
}

.page-disclaimer .terms-dir__desc {
  grid-area: desc;
  font-size: 13px;
  line-height: 1.6;
  color: rgba(36, 27, 23, 0.66);
}

.page-disclaimer .terms-hero__visual {
  position: relative;
  border-top: 1px solid var(--line-gold-soft);
}

.page-disclaimer .terms-hero__visual img {
  display: block;
  width: 100%;
  height: auto;
  max-width: 100%;
  aspect-ratio: 3 / 2;
  object-fit: cover;
}

/* ---------- Body sections ---------- */
.page-disclaimer .terms-body {
  padding-block: clamp(30px, 5vw, 64px) clamp(36px, 6vw, 72px);
}

.page-disclaimer .terms-sec {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
  padding-block: clamp(26px, 4vw, 42px);
  border-top: 1px solid var(--line-gold-soft);
}

.page-disclaimer .terms-sec:first-child {
  border-top: 0;
  padding-top: clamp(6px, 1.5vw, 14px);
}

.page-disclaimer .terms-sec__aside {
  display: flex;
  align-items: center;
  gap: 12px;
}

.page-disclaimer .terms-sec__num {
  display: grid;
  place-items: center;
  width: var(--terms-node);
  height: var(--terms-node);
  flex: 0 0 auto;
  border-radius: var(--r-pill);
  border: 1px solid var(--gold);
  background: radial-gradient(circle at 30% 25%, rgba(199, 162, 75, 0.28), rgba(199, 162, 75, 0.06));
  font-family: var(--font-serif);
  font-size: 17px;
  font-weight: 700;
  color: var(--teal-deep);
}

.page-disclaimer .terms-sec__tag {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mist);
}

.page-disclaimer .terms-sec__title {
  margin: 0 0 10px;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: clamp(1.4rem, 3.4vw, 2rem);
  line-height: 1.3;
  color: var(--teal-deep);
}

.page-disclaimer .terms-sec__lead {
  margin: 0 0 18px;
  font-size: 15px;
  line-height: 1.8;
  color: var(--brick);
}

.page-disclaimer .terms-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.page-disclaimer .terms-list li {
  position: relative;
  padding-left: 20px;
  margin-bottom: 14px;
  font-size: 15.5px;
  line-height: 1.9;
  color: rgba(36, 27, 23, 0.84);
}

.page-disclaimer .terms-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.9em;
  width: 9px;
  height: 1px;
  background: var(--gold);
}

.page-disclaimer .terms-list strong {
  color: var(--teal);
  font-weight: 600;
}

.page-disclaimer .terms-list a {
  color: var(--brick);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: var(--line-gold);
}

.page-disclaimer .terms-list a:hover {
  color: var(--coral);
}

.page-disclaimer .terms-note {
  margin: 20px 0 0;
  padding: 14px 18px;
  border-left: 3px solid var(--coral);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  background: var(--cream);
}

.page-disclaimer .terms-note p {
  margin: 0;
  font-size: 14.5px;
  line-height: 1.8;
  color: var(--teal-deep);
}

/* expandable entries */
.page-disclaimer .disclosure {
  margin-top: 18px;
  border-top: 1px dashed var(--line-gold-soft);
}

.page-disclaimer .disclosure summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 14px 0;
  cursor: pointer;
  list-style: none;
  font-family: var(--font-serif);
  font-size: 15.5px;
  font-weight: 600;
  color: var(--teal);
}

.page-disclaimer .disclosure summary::-webkit-details-marker {
  display: none;
}

.page-disclaimer .disclosure summary::after {
  content: "+";
  font-family: var(--font-sans);
  font-size: 20px;
  line-height: 1;
  color: var(--gold);
}

.page-disclaimer .disclosure[open] summary::after {
  content: "–";
}

.page-disclaimer .disclosure-body {
  padding: 0 0 14px;
}

.page-disclaimer .disclosure-body p {
  margin: 0;
  font-size: 14.5px;
  line-height: 1.85;
  color: rgba(36, 27, 23, 0.78);
}

/* ---------- Closing band ---------- */
.page-disclaimer .terms-end {
  background:
    radial-gradient(90% 80% at 90% 0%, rgba(199, 162, 75, 0.24), transparent 60%),
    linear-gradient(180deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: var(--ivory);
  border-top: 1px solid var(--line-gold);
  padding-top: clamp(34px, 5vw, 62px);
}

.page-disclaimer .terms-end__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(24px, 4vw, 48px);
  padding-bottom: clamp(26px, 4vw, 44px);
}

.page-disclaimer .terms-end__eyebrow {
  color: var(--gold);
  letter-spacing: 0.16em;
  font-size: 12px;
  text-transform: uppercase;
}

.page-disclaimer .terms-end__title {
  margin: 10px 0 12px;
  font-family: var(--font-serif);
  font-size: clamp(1.4rem, 3.6vw, 2rem);
  line-height: 1.35;
  color: var(--ivory);
}

.page-disclaimer .terms-end__lead {
  margin: 0 0 20px;
  max-width: 40ch;
  font-size: 15px;
  line-height: 1.85;
  color: rgba(251, 247, 238, 0.78);
}

.page-disclaimer .terms-end__channels {
  margin: 0;
  padding: 0;
  list-style: none;
}

.page-disclaimer .terms-end__channel {
  padding: 14px 0;
  border-top: 1px solid var(--line-light);
}

.page-disclaimer .terms-end__label {
  display: block;
  margin-bottom: 6px;
  font-size: 12px;
  letter-spacing: 0.14em;
  color: var(--gold);
}

.page-disclaimer .terms-end__channel p {
  margin: 0 0 4px;
  font-size: 14px;
  line-height: 1.75;
  color: rgba(251, 247, 238, 0.74);
}

.page-disclaimer .terms-end__value {
  font-family: var(--font-serif);
  font-size: 16px !important;
  color: var(--ivory) !important;
}

.page-disclaimer .terms-end__bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding-block: 18px;
  border-top: 1px solid rgba(251, 247, 238, 0.18);
}

.page-disclaimer .terms-end__bottom p {
  margin: 0;
  font-size: 12.5px;
  letter-spacing: 0.04em;
  color: rgba(251, 247, 238, 0.62);
}

.page-disclaimer .terms-end__top {
  padding: 8px 16px;
  border: 1px solid var(--line-gold);
  border-radius: var(--r-pill);
  font-size: 13px;
  color: var(--gold);
  text-decoration: none;
  transition: background 0.2s ease, color 0.2s ease;
}

.page-disclaimer .terms-end__top:hover,
.page-disclaimer .terms-end__top:focus-visible {
  background: var(--gold);
  color: var(--teal-deep);
}

/* ---------- Media queries ---------- */
@media (min-width: 720px) {
  .page-disclaimer .terms-dir {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .page-disclaimer .terms-end__channels {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0 20px;
  }
}

@media (min-width: 900px) {
  .page-disclaimer .terms-dir {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .page-disclaimer .terms-sec {
    grid-template-columns: var(--terms-rail) minmax(0, 1fr);
    gap: clamp(24px, 4vw, 52px);
  }

  .page-disclaimer .terms-sec__aside {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    padding-top: 6px;
  }

  .page-disclaimer .terms-sec__main {
    max-width: 72ch;
  }

  .page-disclaimer .terms-end__inner {
    grid-template-columns: 1.05fr 1fr;
    align-items: start;
  }

  .page-disclaimer .terms-end__channels {
    grid-template-columns: 1fr;
    gap: 0;
  }
}

@media (prefers-reduced-motion: reduce) {
  .page-disclaimer .terms-dir__item,
  .page-disclaimer .terms-end__top {
    transition: none;
  }
}
<<<END>>>