/* Page canvas and shared typography. */
html {
  scroll-behavior: smooth;
}
body {
  margin: 0;
  background: #f2f4f6;
  color: #34465a;
  font-family: Urbanist, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.75;
  letter-spacing: 0;
}
*,
*::before,
*::after {
  box-sizing: border-box;
}
.terms-container {
  width: min(1230px, 100%);
  margin: 0 auto;
  padding: 0 24px;
}
.skip-link {
  position: absolute;
  top: -100px;
  left: 20px;
  z-index: 200;
  padding: 12px 18px;
  background: white;
  color: #003b70;
}
.skip-link:focus {
  top: 12px;
}

/* Stock-photo banner, using the site's navy and orange. */
.terms-hero {
  position: relative;
  isolation: isolate;
  min-height: 340px;
  display: flex;
  align-items: center;
  padding: 54px 0 76px;
  color: #fff;
}
.terms-hero-image,
.terms-hero-image img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}
.terms-hero-image {
  z-index: -2;
}
.terms-hero-image img {
  object-fit: cover;
  object-position: center 55%;
}
.terms-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(
    90deg,
    rgba(0, 31, 61, 0.86),
    rgba(0, 40, 75, 0.62) 55%,
    rgba(0, 40, 75, 0.12)
  );
}
.terms-breadcrumb {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  margin-bottom: 14px;
}
.terms-breadcrumb a {
  color: white;
  text-underline-offset: 4px;
}
.terms-hero h1 {
  margin: 0 0 12px;
  font-size: 52px;
  line-height: 1.15;
  font-weight: 750;
}
.terms-hero h1 span {
  color: #ff902b;
}
.terms-hero p {
  max-width: 600px;
  margin: 0;
  font-size: 19px;
  line-height: 1.6;
}

/* Unframed contents alongside the white document panel. */
.terms-layout {
  display: grid;
  grid-template-columns: 250px minmax(0, 1fr);
  gap: 32px;
  align-items: start;
  margin-top: -28px;
  margin-bottom: 56px;
  position: relative;
}
.terms-contents {
  position: sticky;
  top: 24px;
  padding-top: 58px;
  max-height: calc(100vh - 48px);
  overflow: auto;
}
.terms-contents summary {
  color: #003b70;
  font-size: 19px;
  font-weight: 750;
  cursor: pointer;
}
.terms-contents ol {
  list-style: none;
  padding: 12px 0 0;
  margin: 0;
}
.terms-contents li {
  margin: 0 0 6px;
}
.terms-contents a {
  display: block;
  padding: 5px 0;
  color: #52647a;
  text-decoration: none;
  font-size: 14px;
  line-height: 1.5;
}
.terms-contents a:hover {
  color: #005abd;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.terms-document {
  background: #fff;
  border: 1px solid #d4e1ed;
  border-radius: 8px;
  box-shadow: 0 7px 22px rgba(0, 40, 75, 0.06);
  padding: 38px 42px;
  min-width: 0;
}
.terms-document-heading {
  border-bottom: 1px solid #e3eaf0;
  padding-bottom: 24px;
  margin-bottom: 26px;
}
.terms-eyebrow {
  color: #c85800;
  font-weight: 650;
  font-size: 14px;
}
.terms-document-heading h2 {
  color: #003b70;
  font-size: 30px;
  line-height: 1.25;
  margin: 7px 0 0;
}
.terms-copy {
  overflow-wrap: anywhere;
}
.terms-copy p {
  margin: 0 0 20px;
}
.terms-copy a {
  color: #005abd;
  text-underline-offset: 3px;
}
.terms-copy strong {
  font-weight: 700;
}
.terms-copy #terms-list {
  list-style: none;
  margin: 30px 0 0;
  padding: 0;
}
.terms-copy #terms-list > li {
  scroll-margin-top: 28px;
  border-top: 1px solid #e3eaf0;
  padding-top: 28px;
  margin-top: 30px;
}
.terms-copy h2 {
  color: #003b70;
  font-size: 24px;
  line-height: 1.35;
  margin: 0 0 18px;
}
.terms-copy h3 {
  color: #243447;
  font-size: 19px;
  line-height: 1.5;
  margin: 24px 0 12px;
}
.terms-copy ul,
.terms-copy ol {
  padding-left: 23px;
  margin: 0 0 22px;
}
.terms-copy li > p:last-child {
  margin-bottom: 0;
}
.terms-copy li li {
  margin: 0 0 16px;
}
.terms-back-top {
  display: inline-block;
  margin-top: 32px;
  color: #005abd;
  font-weight: 650;
  text-underline-offset: 4px;
}
.terms-photo-credit {
  margin-top: 22px;
  margin-bottom: 42px;
  color: #637184;
  font-size: 12px;
  text-align: right;
}
.terms-photo-credit a {
  color: inherit;
}

/* Small screens retain readable legal copy without a fixed sidebar. */
@media (max-width: 991px) {
  .terms-layout {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  .terms-contents {
    position: static;
    max-height: none;
    padding: 42px 0 0;
  }
  .terms-contents ol {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0 24px;
  }
  .terms-document {
    padding: 30px;
  }
}
@media (max-width: 575px) {
  body {
    font-size: 16px;
  }
  .terms-container {
    padding-right: 16px;
    padding-left: 16px;
  }
  .terms-hero {
    min-height: 290px;
    padding: 36px 0 50px;
  }
  .terms-hero h1 {
    font-size: 38px;
  }
  .terms-hero p {
    font-size: 17px;
  }
  .terms-document {
    padding: 24px 20px;
  }
  .terms-document-heading h2 {
    font-size: 27px;
  }
  .terms-copy h2 {
    font-size: 22px;
  }
  .terms-copy h3 {
    font-size: 18px;
  }
  .terms-contents ol {
    display: block;
  }
  .terms-photo-credit {
    text-align: left;
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}