.terms-container {
    min-height: 100vh;
    padding: 40px 20px;
    display: flex;
    justify-content: center;
}

.terms-card {
    width: 100%;
    max-width: 1000px;
    background: rgba(255,255,255,.96);
    backdrop-filter: blur(10px);
    border-radius: 18px;
    padding: 40px;
    box-shadow: 0 10px 30px rgba(0,0,0,.15);
}

    .terms-card h1 {
        color: #102a4d;
        font-weight: 700;
        margin-bottom: 10px;
    }

    .terms-card h3 {
        color: #0b3d7a;
        margin-top: 25px;
        margin-bottom: 10px;
    }

    .terms-card p,
    .terms-card li {
        color: #374151;
        line-height: 1.8;
    }

.effective-date {
    color: #6b7280;
}

.terms-footer {
    margin-top: 40px;
    padding-top: 20px;
    border-top: 1px solid #d1d5db;
    text-align: center;
    color: #6b7280;
}