.page-disclaimer {
  --pd-navy: #0A2342;
  --pd-gold: #D4AF37;
  --pd-red: #C8102E;
  --pd-bg: #F5F7FA;
  --pd-ink: #2D3142;
  --pd-cream: #F0E8D0;
  background-color: var(--pd-bg);
  background-image: repeating-linear-gradient(
    to bottom,
    transparent 0,
    transparent 11px,
    rgba(10, 35, 66, 0.045) 11px,
    rgba(10, 35, 66, 0.045) 12px
  );
}

.page-disclaimer .breadcrumbs {
  max-width: var(--container-w);
  margin-inline: auto;
  padding: 1.25rem var(--fluid-margin) 0;
  font-size: 14px;
  line-height: 1.6;
}

.page-disclaimer .breadcrumbs ol {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.page-disclaimer .breadcrumbs li + li::before {
  content: "/";
  margin-right: 0.4rem;
  color: var(--ab-blue);
  font-family: var(--font-mono);
}

.page-disclaimer .breadcrumbs a {
  color: var(--ab-blue);
  text-decoration: none;
  font-weight: 600;
}

.page-disclaimer .breadcrumbs a:hover {
  color: var(--pd-red);
  text-decoration: underline;
}

.page-disclaimer .breadcrumbs [aria-current="page"] {
  color: var(--pd-ink);
  font-weight: 700;
}

.page-disclaimer .terms-hero {
  position: relative;
  overflow: hidden;
  background: var(--pd-navy);
  border-top: 4px solid var(--pd-gold);
  border-bottom: 3px solid var(--pd-gold);
  margin-top: 1.75rem;
}

.page-disclaimer .terms-hero::before {
  content: "";
  position: absolute;
  top: -60px;
  right: -60px;
  width: 220px;
  height: 220px;
  background: linear-gradient(135deg, rgba(212, 175, 55, 0.3), rgba(212, 175, 55, 0) 70%);
  transform: rotate(15deg);
  pointer-events: none;
}

.page-disclaimer .terms-hero::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 100%;
  height: 8px;
  background: repeating-linear-gradient(135deg, rgba(212, 175, 55, 0.5) 0 14px, transparent 14px 28px);
  opacity: 0.7;
  pointer-events: none;
}

.page-disclaimer .terms-hero-inner {
  max-width: var(--container-w);
  margin-inline: auto;
  padding: 2.25rem var(--fluid-margin) 2rem;
  position: relative;
  z-index: 1;
}

.page-disclaimer .terms-hero__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  align-items: center;
}

.page-disclaimer .terms-hero__media {
  position: relative;
  margin: 0;
  border: 3px solid var(--pd-gold);
  background: repeating-linear-gradient(90deg, rgba(255, 255, 255, 0.06) 0 2px, transparent 2px 10px);
  box-shadow: 5px 5px 0 rgba(212, 175, 55, 0.3);
  overflow: hidden;
}

.page-disclaimer .terms-hero__media img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 5 / 3;
  object-fit: cover;
}

.page-disclaimer .terms-hero__caption {
  margin: 0;
  padding: 8px 12px 10px;
  font-size: 13px;
  text-align: center;
  color: rgba(255, 255, 255, 0.75);
}

.page-disclaimer .eyebrow {
  margin: 0 0 10px;
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--pd-gold);
  font-weight: 700;
}

.page-disclaimer .terms-hero h1 {
  font-family: var(--font-head);
  font-size: 2.5rem;
  line-height: 1;
  margin: 0 0 0.85rem;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.page-disclaimer .terms-hero h1::after {
  content: "";
  display: block;
  width: 72px;
  height: 5px;
  background: var(--pd-gold);
  margin-top: 12px;
}

.page-disclaimer .terms-hero__lead {
  max-width: 56ch;
  margin: 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1rem;
  line-height: 1.75;
}

.page-disclaimer .terms-hero__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 22px;
  margin-top: 1.5rem;
  padding-top: 1rem;
  border-top: 1px dashed rgba(255, 255, 255, 0.35);
  font-size: 13px;
  color: rgba(255, 255, 255, 0.75);
}

.page-disclaimer .terms-hero__meta .mono {
  color: var(--pd-gold);
}

.page-disclaimer .terms-slash {
  height: 12px;
  background: linear-gradient(100deg, var(--pd-red) 0 30%, var(--pd-gold) 30% 60%, transparent 60%);
  transform: skewY(-0.6deg);
  margin-top: -2px;
}

.page-disclaimer .terms-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: start;
  max-width: var(--container-w);
  margin-inline: auto;
  padding: 2.5rem var(--fluid-margin) 4rem;
}

.page-disclaimer .terms-toc__inner {
  padding: 1.4rem;
  background: var(--pd-navy);
  border: 3px solid var(--pd-navy);
  box-shadow: 6px 6px 0 rgba(212, 175, 55, 0.4);
  color: #fff;
}

.page-disclaimer .terms-toc__kicker {
  margin: 0 0 0.8rem;
  font-size: 13px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--pd-gold);
  padding-bottom: 0.6rem;
  border-bottom: 1px solid rgba(212, 175, 55, 0.4);
}

.page-disclaimer .terms-toc__list {
  list-style: none;
  margin: 0 0 0.9rem;
  padding: 0;
}

.page-disclaimer .terms-toc__list a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 2px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  color: #fff;
  text-decoration: none;
  font-size: 15px;
  transition: color 0.2s, padding-left 0.2s;
}

.page-disclaimer .terms-toc__list a:hover,
.page-disclaimer .terms-toc__list a:focus {
  color: var(--pd-gold);
  padding-left: 8px;
}

.page-disclaimer .terms-toc__list .mono {
  font-size: 13px;
  font-weight: 700;
  color: var(--pd-gold);
}

.page-disclaimer .terms-toc__links {
  display: grid;
  gap: 0.35rem;
  margin-top: 0.9rem;
  padding-top: 0.8rem;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}

.page-disclaimer .terms-toc__links a {
  color: rgba(255, 255, 255, 0.82);
  font-size: 14px;
  text-decoration: none;
  padding: 4px 0;
}

.page-disclaimer .terms-toc__links a:hover {
  color: var(--ab-orange);
}

.page-disclaimer .terms-content {
  min-width: 0;
}

.page-disclaimer .term-section {
  position: relative;
  scroll-margin-top: 130px;
  background: #fff;
  border: 2px solid var(--pd-navy);
  box-shadow: 6px 6px 0 rgba(10, 35, 66, 0.22);
  padding: 1.5rem 1.25rem;
  margin-bottom: 2.2rem;
}

.page-disclaimer .term-section::before {
  content: "";
  position: absolute;
  top: -2px;
  left: 0;
  width: 96px;
  height: 6px;
  background: linear-gradient(to right, var(--pd-gold) 0 60%, var(--pd-red) 60%);
}

.page-disclaimer .term-section:target {
  border-color: var(--pd-gold);
  box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.45), 8px 8px 0 rgba(10, 35, 66, 0.25);
}

.page-disclaimer .term-section:target .term-num {
  background: var(--pd-red);
  border-color: var(--pd-red);
  color: #fff;
}

.page-disclaimer .term-section__head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 1.2rem;
  padding-bottom: 0.9rem;
  border-bottom: 2px solid var(--pd-cream);
}

.page-disclaimer .term-section__head h2 {
  margin: 0;
  font-family: var(--font-head);
  font-size: 1.65rem;
  line-height: 1.15;
  color: var(--pd-navy);
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.page-disclaimer .term-num {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border: 2px solid var(--pd-gold);
  border-radius: 12px;
  background: var(--pd-navy);
  color: var(--pd-gold);
  font-size: 15px;
  font-weight: 700;
  line-height: 1;
}

.page-disclaimer .term-section__body {
  color: var(--pd-ink);
  font-size: 15px;
  line-height: 1.8;
}

.page-disclaimer .term-section__body p {
  margin: 0 0 0.85rem;
}

.page-disclaimer .term-section__body ul {
  margin: 0 0 0.85rem;
  padding-left: 1.4rem;
}

.page-disclaimer .term-section__body li {
  margin-bottom: 0.55rem;
}

.page-disclaimer .term-section__body li::marker {
  color: var(--pd-red);
  font-weight: 700;
}

.page-disclaimer .term-section__body a {
  color: var(--ab-blue);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.page-disclaimer .terms-tail {
  margin: 2.5rem 0 0;
  padding: 1.5rem 1.25rem;
  background: var(--pd-cream);
  border-left: 4px solid var(--pd-gold);
  color: var(--pd-ink);
  box-shadow: 4px 4px 0 rgba(10, 35, 66, 0.12);
}

.page-disclaimer .terms-tail p {
  margin: 0;
  font-size: 15px;
  line-height: 1.75;
}

.page-disclaimer .terms-tail a {
  color: var(--pd-red);
  font-weight: 700;
  text-decoration: none;
}

.page-disclaimer .terms-tail a:hover {
  text-decoration: underline;
}

@media (min-width: 860px) {
  .page-disclaimer .terms-hero-inner {
    padding: 3.25rem var(--fluid-margin) 3rem;
  }

  .page-disclaimer .terms-hero__grid {
    grid-template-columns: minmax(0, 1.1fr) minmax(260px, 0.9fr);
    gap: 2.5rem;
  }

  .page-disclaimer .terms-hero h1 {
    font-size: 3.4rem;
  }

  .page-disclaimer .terms-hero__lead {
    font-size: 1.06rem;
  }

  .page-disclaimer .terms-layout {
    grid-template-columns: 270px minmax(0, 1fr);
    gap: 2.75rem;
    padding-top: 3.5rem;
    padding-bottom: 5rem;
  }

  .page-disclaimer .terms-toc {
    position: sticky;
    top: 24px;
  }

  .page-disclaimer .term-section {
    padding: 2rem 1.9rem 1.9rem;
  }
}

@media (min-width: 1200px) {
  .page-disclaimer .terms-hero h1 {
    font-size: 4rem;
  }

  .page-disclaimer .terms-layout {
    grid-template-columns: 300px minmax(0, 1fr);
    gap: 4rem;
  }

  .page-disclaimer .term-section__head h2 {
    font-size: 1.85rem;
  }
}