.terms-hero{
    background:linear-gradient(135deg,#061f4f,#0b3478);
    color:#fff;
    text-align:center;
    padding:80px 20px;
}

.terms-hero .icon{
    width:78px;
    height:78px;
    background:#f4b400;
    color:#061f4f;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:34px;
    margin:0 auto 24px;
}

.terms-hero h1{
    font-size:46px;
    font-weight:800;
    margin-bottom:14px;
}

.terms-hero p{
    max-width:760px;
    margin:auto;
    line-height:1.8;
    color:#e8eef8;
    font-size:16px;
}

.terms-section{
    padding:70px 0;
}

.terms-card{
    background:#fff;
    border-radius:22px;
    padding:45px;
    box-shadow:0 12px 35px rgba(0,0,0,.08);
}

.intro{
    background:#fff8e5;
    border-left:5px solid #f4b400;
    padding:20px 22px;
    border-radius:12px;
    color:#061f4f;
    font-weight:600;
    line-height:1.8;
    margin-bottom:35px;
}

.terms-list{
    list-style:none;
}

.terms-list li{
    display:flex;
    gap:16px;
    align-items:flex-start;
    background:#f8faff;
    border:1px solid #e7ebf3;
    border-radius:15px;
    padding:20px;
    margin-bottom:18px;
    color:#42506f;
    line-height:1.8;
    font-size:15px;
    transition:.3s;
}

.terms-list li:hover{
    transform:translateY(-3px);
    box-shadow:0 8px 22px rgba(0,0,0,.06);
    border-color:#f4b400;
}

.terms-list li i{
    min-width:42px;
    height:42px;
    background:#061f4f;
    color:#f4b400;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:18px;
}


@media(max-width:768px){
    .terms-hero{
        padding:40px 15px;
    }

    .terms-hero h1{
        font-size:34px;
    }

    .terms-card{
        padding:26px 18px;
    }

    .terms-list{
    padding:0px;
      }
	
    .terms-list li{
        padding:18px;
        gap:12px;
    }

    .terms-list li i{
        min-width:38px;
        height:38px;
        font-size:16px;
    }
}