.hero-terms {
  position: relative;
  background: #0b1220;
  color: #fff;
  overflow: hidden;
}

.hero-terms .hero-media {
  position: relative;
  height: 220px;
}

.hero-terms .hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.hero-terms .hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(15, 23, 42, 0.82),
    rgba(15, 23, 42, 0.55),
    rgba(15, 23, 42, 0.12)
  );
  pointer-events: none;
}

.hero-terms .hero-content {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
}

.hero-terms .hero-content-inner {
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
  width: 100%;
  display: flex;
  justify-content: flex-start;
}

.hero-terms .hero-text {
  max-width: 760px;
  text-align: left;
  pointer-events: auto;
  padding-left: 18px;
  animation: hero-terms-fade-up 0.8s ease-in-out 0.05s both;
}

.hero-terms .hero-heading {
  font-size: 1.9rem;
  line-height: 1.2;
  margin: 0;
  font-weight: 800;
  letter-spacing: 0.01em;
  text-transform: uppercase;
}

.section-terms {
  background: #f9f9f9;
  padding: 60px 20px;
}

.section-terms .section-inner {
  max-width: 1120px;
}

.terms-card {
  position: relative;
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 36px 48px 40px;
  box-shadow: 0 8px 16px rgba(0, 0, 0, 0.06);
  overflow: hidden;
}

.terms-quote-mark {
  position: absolute;
  top: 10px;
  left: 12px;
  color: #f7b71e;
  font-family: 'Georgia', 'Times New Roman', serif;
  font-size: 56px;
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1;
  opacity: 0.9;
  z-index: 0;
  pointer-events: none;
}

.terms-quote-end {
  top: auto;
  left: auto;
  right: 12px;
  bottom: 12px;
  transform: none;
}

.terms-body {
  position: relative;
  z-index: 1;
  color: #3b3b3b;
  font-size: 15px;
  line-height: 1.7;
}

.terms-body p {
  margin: 0 0 14px;
}

.terms-body p:last-of-type {
  margin-bottom: 0;
}

@media (max-width: 720px) {
  .hero-terms .hero-media {
    height: 190px;
  }

  .hero-terms .hero-content-inner {
    padding: 0 16px;
  }

  .hero-terms .hero-heading {
    font-size: 1.6rem;
  }

  .section-terms {
    padding: 44px 16px;
  }

  .terms-card {
    padding: 30px 26px 32px;
  }

  .terms-quote-mark {
    top: 8px;
    left: 10px;
    font-size: 44px;
  }

  .terms-quote-end {
    right: 14px;
    bottom: 14px;
    top: auto;
    left: auto;
    font-size: 40px;
  }
}

@keyframes hero-terms-fade-up {
  from {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}