.page-disclaimer {
  background: var(--clr-cream);
  color: var(--clr-ink);
  font-family: var(--font-body);
  line-height: 1.7;
}

.page-disclaimer .breadcrumb {
  display: flex;
  gap: 8px;
  font-family: var(--font-index);
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  color: rgba(245, 241, 232, 0.7);
  padding-top: 24px;
}

.page-disclaimer .breadcrumb a {
  color: var(--clr-cream);
  text-decoration: none;
  transition: color 0.2s ease;
}

.page-disclaimer .breadcrumb a:hover {
  color: var(--clr-yellow);
}

.page-disclaimer .breadcrumb__sep {
  opacity: 0.5;
}

.page-disclaimer .breadcrumb__current {
  color: var(--clr-yellow);
}

.page-disclaimer .pg-hero {
  background: linear-gradient(120deg, var(--clr-blue) 0%, #0f2650 55%, #132d59 100%);
  color: var(--clr-cream);
  overflow: hidden;
}

.page-disclaimer .pg-hero__inner {
  display: flex;
  flex-direction: column;
  gap: 28px;
  padding: 40px 0 48px;
}

.page-disclaimer .pg-hero__content {
  flex: 1;
}

.page-disclaimer .pg-hero .index-label {
  color: var(--clr-yellow);
  display: inline-block;
  margin-bottom: 18px;
}

.page-disclaimer .pg-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 8vw, 4.5rem);
  font-weight: 700;
  line-height: 1.04;
  margin: 0 0 10px;
  color: var(--clr-cream);
}

.page-disclaimer .pg-hero__tagline {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 300;
  color: rgba(245, 241, 232, 0.9);
  margin: 0 0 20px;
}

.page-disclaimer .pg-hero__divider {
  width: 56px;
  height: 3px;
  background: var(--clr-yellow);
  margin-bottom: 22px;
}

.page-disclaimer .pg-hero__lead {
  font-size: 0.95rem;
  color: rgba(245, 241, 232, 0.78);
  max-width: 560px;
  margin: 0;
}

.page-disclaimer .pg-hero__visual {
  overflow: hidden;
  border-radius: 8px;
  height: 160px;
  width: 100%;
}

.page-disclaimer .pg-hero__img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.page-disclaimer .pg-terms {
  padding: 64px 0 24px;
}

.page-disclaimer .section-head {
  margin-bottom: 40px;
}

.page-disclaimer .section-head .index-label {
  color: var(--clr-stone);
  display: block;
  margin-bottom: 8px;
}

.page-disclaimer .section-head h2 {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 700;
  margin: 0 0 6px;
}

.page-disclaimer .section-head p {
  color: var(--clr-stone);
  font-size: 0.9rem;
  margin: 0;
}

.page-disclaimer .pg-terms__list {
  border-top: 3px solid var(--clr-blue);
  border-bottom: 1px solid rgba(27, 27, 27, 0.12);
}

.page-disclaimer .pg-term {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 36px 0;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.page-disclaimer .pg-term + .pg-term {
  border-top: 1px solid rgba(27, 27, 27, 0.12);
}

.page-disclaimer .pg-term:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(10, 30, 60, 0.08);
}

.page-disclaimer .pg-term__index {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: var(--clr-blue);
  color: var(--clr-cream);
  font-family: var(--font-mono);
  font-size: 1.35rem;
  font-weight: 500;
  border-radius: 14px;
  transition: background 0.5s ease, color 0.5s ease, box-shadow 0.5s ease;
}

.page-disclaimer .pg-term.is-in-view .pg-term__index {
  background: var(--clr-yellow);
  color: var(--clr-blue);
  box-shadow: 0 8px 24px rgba(255, 195, 0, 0.3);
}

.page-disclaimer .pg-term:hover .pg-term__index {
  box-shadow: 0 6px 16px rgba(10, 30, 60, 0.22);
}

.page-disclaimer .pg-term__body {
  flex: 1;
  max-width: 720px;
}

.page-disclaimer .pg-term__body h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  margin: 0 0 10px;
}

.page-disclaimer .pg-term__body p {
  font-size: 0.95rem;
  color: #3a3a3a;
  margin: 0;
}

.page-disclaimer .pg-term__body a {
  color: var(--clr-blue);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(10, 30, 60, 0.25);
  transition: color 0.2s, text-decoration-color 0.2s;
}

.page-disclaimer .pg-term__body a:hover {
  color: var(--clr-red);
  text-decoration-color: var(--clr-red);
}

.page-disclaimer .pg-term--alert {
  border-left: 4px solid var(--clr-terra);
  padding-left: 18px;
  background: linear-gradient(135deg, rgba(201, 124, 93, 0.06) 0%, rgba(201, 124, 93, 0.02) 100%);
}

.page-disclaimer .pg-term--alert .pg-term__index {
  background: var(--clr-terra);
  color: var(--clr-cream);
}

.page-disclaimer .pg-term--alert.is-in-view .pg-term__index {
  background: var(--clr-terra);
  box-shadow: 0 8px 24px rgba(201, 124, 93, 0.35);
}

.page-disclaimer .pg-term__arrow {
  color: var(--clr-blue);
  margin-top: 16px;
  display: inline-block;
}

.page-disclaimer .pg-term:hover .pg-term__arrow {
  animation: pg-pulse 1.2s infinite ease-in-out;
}

@keyframes pg-pulse {
  0%, 100% { transform: translateX(0); }
  50% { transform: translateX(6px); }
}

.page-disclaimer .pg-trust {
  background: var(--clr-blue);
  color: var(--clr-cream);
  padding: 64px 0;
  margin-top: 48px;
  position: relative;
  overflow: hidden;
}

.page-disclaimer .pg-trust__decor {
  position: absolute;
  top: 32px;
  right: 24px;
  opacity: 0.8;
  pointer-events: none;
}

.page-disclaimer .pg-trust__inner {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.page-disclaimer .pg-trust p {
  font-size: 1rem;
  color: rgba(245, 241, 232, 0.92);
  max-width: 680px;
  margin: 0;
  line-height: 1.8;
}

.page-disclaimer .pg-trust__links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

@media (min-width: 812px) {
  .page-disclaimer .pg-hero__inner {
    flex-direction: row;
    align-items: stretch;
    gap: 48px;
    padding: 64px 0 88px;
  }

  .page-disclaimer .pg-hero__content {
    padding-right: 24px;
  }

  .page-disclaimer .pg-hero__lead {
    font-size: 1rem;
  }

  .page-disclaimer .pg-hero__visual {
    width: 220px;
    height: 360px;
    align-self: flex-end;
    border-radius: 12px;
    flex-shrink: 0;
  }

  .page-disclaimer .pg-hero__img {
    width: 100%;
    height: 100%;
    object-fit: cover;
  }

  .page-disclaimer .pg-terms {
    padding: 96px 0 48px;
  }

  .page-disclaimer .pg-term {
    flex-direction: row;
    gap: 56px;
    padding: 48px 0;
  }

  .page-disclaimer .pg-term__index {
    width: 72px;
    height: 72px;
    font-size: 1.6rem;
    border-radius: 16px;
  }

  .page-disclaimer .pg-trust {
    padding: 80px 0;
  }

  .page-disclaimer .pg-trust__decor {
    right: 48px;
    top: 48px;
  }
}

@media (min-width: 1024px) {
  .page-disclaimer .pg-hero__visual {
    width: 260px;
    height: 400px;
  }

  .page-disclaimer .pg-term {
    gap: 80px;
  }
}