body, html {
    margin: 0;
    padding: 0;
    font-family: 'Lato', Arial, sans-serif;
    background-color: #f7f7f5;
    color: #2d3748;
    box-sizing: border-box;
}

*, *::before, *::after {
    box-sizing: inherit;
}

.terms-container {
    max-width: 900px;
    margin: 150px auto 60px;
    padding: 0 30px;
    line-height: 1.75;
}

.terms-header {
    padding: 20px 0 10px;
    text-align: center;
    margin-bottom: 30px;
}

.terms-header h1 {
    font-family: 'Merriweather', serif;
    font-size: 2.2em;
    color: #003366;
    margin-bottom: 0;
    font-weight: 700;
    letter-spacing: 0.2px;
}

.terms-separator {
    width: 56px;
    height: 3px;
    background-color: #b8983a;
    margin: 20px auto 10px;
    transform: scaleX(0);
    transform-origin: center;
    transition: transform 0.9s ease-in-out;
}

.terms-separator.animate {
    transform: scaleX(1);
}

.terms-content h2 {
    font-family: 'Merriweather', serif;
    color: #003366;
    margin: 36px 0 14px;
    font-size: 1.35em;
    font-weight: 700;
    border-left: 3px solid #b8983a;
    padding-left: 12px;
}

.terms-content h3 {
    font-family: 'Lato', sans-serif;
    color: #003366;
    margin: 22px 0 8px;
    font-size: 1.1em;
    font-weight: 700;
}

.terms-content p {
    margin-bottom: 14px;
    color: #3d4a5c;
    font-size: 0.97em;
}

.terms-content ul {
    margin-bottom: 18px;
    padding-left: 22px;
}

.terms-content li {
    margin-bottom: 8px;
    color: #3d4a5c;
    font-size: 0.97em;
}

.effective-date {
    font-style: italic;
    margin-top: 40px;
    color: #6b7a8d;
}

@media (max-width: 768px) {
    .terms-container {
        margin-top: 120px;
        padding: 0 18px;
    }

    .terms-header h1 {
        font-size: 1.8em;
    }

    .terms-content h2 {
        font-size: 1.15em;
    }

    .terms-content h3 {
        font-size: 1em;
    }
}