.terms-hero{background:var(--navy);padding:80px 0 40px;text-align:center;}
.terms-hero h1{color:#fff;font-size:28px;font-weight:700;margin-bottom:8px;}
.terms-hero p{color:rgba(255,255,255,.6);font-size:13px;}
.terms-body{max-width:800px;margin:0 auto;padding:60px 20px;}
.terms-intro{background:var(--bg);border-left:4px solid var(--blue);padding:16px 20px;margin-bottom:40px;font-size:14px;line-height:1.9;color:var(--text);border-radius:0 4px 4px 0;}
.terms-article{margin-bottom:36px;padding-bottom:36px;border-bottom:1px solid var(--line);}
.terms-article:last-child{border-bottom:none;}
.terms-article h2{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:14px;padding:10px 16px;background:var(--bg);border-left:3px solid var(--blue);}
.terms-article p,.terms-article li{font-size:14px;line-height:1.95;color:var(--text);margin-bottom:8px;}
.terms-article ul{padding-left:20px;}
.terms-article li{list-style:disc;}
.terms-meta{background:var(--navy);color:rgba(255,255,255,.8);padding:32px;margin-top:48px;border-radius:4px;}
.terms-meta table{width:100%;border-collapse:collapse;}
.terms-meta th{color:rgba(255,255,255,.5);font-size:11px;letter-spacing:1px;padding:10px 12px;text-align:left;border-bottom:1px solid rgba(255,255,255,.1);width:120px;}
.terms-meta td{color:#fff;font-size:13px;padding:10px 12px;border-bottom:1px solid rgba(255,255,255,.1);}
.terms-pdf-btn{text-align:center;margin:32px 0;}
.terms-pdf-btn a{display:inline-block;background:var(--navy);color:#fff;padding:12px 32px;border-radius:3px;font-size:13px;font-weight:600;text-decoration:none;transition:background .3s;}
.terms-pdf-btn a:hover{background:var(--blue);}

/* === GKM v38: dark card text contrast fix === */
.feature-point{
  background:rgba(255,255,255,.075) !important;
  border:1px solid rgba(255,255,255,.18) !important;
}
.feature-point strong{
  color:#d7a64a !important;
}
.feature-point span,
.feature-point p{
  color:rgba(255,255,255,.82) !important;
  line-height:1.8;
}


/* === GKM v39 support scheme upgrade === */
.scheme-grid,
.support-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:22px;
  margin-top:34px;
}
.scheme-card,
.support-card{
  position:relative;
  overflow:hidden;
  border-radius:18px;
  padding:34px 24px 26px;
  background:linear-gradient(180deg,#0d2b63,#081f49);
  border:1px solid rgba(255,255,255,.08);
  box-shadow:0 18px 50px rgba(2,12,35,.16);
  transition:.25s ease;
}
.scheme-card:hover,
.support-card:hover{
  transform:translateY(-4px);
}
.scheme-card::before,
.support-card::before{
  content:"";
  position:absolute;
  inset:0;
  background:
   radial-gradient(circle at top right, rgba(215,166,74,.16), transparent 42%);
  pointer-events:none;
}
.scheme-icon{
  width:62px;
  height:62px;
  border-radius:16px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12);
  margin-bottom:22px;
  font-size:28px;
  color:#d7a64a;
  backdrop-filter:blur(6px);
}
.scheme-step{
  font-size:11px;
  letter-spacing:.18em;
  color:#d7a64a;
  margin-bottom:10px;
  font-weight:700;
}
.scheme-card h3,
.support-card h3{
  color:#fff;
  font-size:21px;
  line-height:1.45;
  margin:0 0 14px;
}
.scheme-card p,
.support-card p{
  color:rgba(255,255,255,.78);
  line-height:1.9;
  font-size:14px;
}
.scheme-line{
  position:absolute;
  top:50%;
  right:-12px;
  width:24px;
  height:2px;
  background:#d7a64a;
  opacity:.5;
}
@media(max-width:960px){
  .scheme-grid,
  .support-grid{
    grid-template-columns:1fr;
  }
  .scheme-line{
    display:none;
  }
}


/* === GKM v40 scheme section upgrade === */
.gkm-scheme-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:22px;
  margin-top:38px;
}
.gkm-scheme-card{
  position:relative;
  overflow:hidden;
  background:linear-gradient(180deg,#0d2b63,#071d44);
  border:1px solid rgba(255,255,255,.08);
  border-radius:18px;
  padding:34px 24px 26px;
  box-shadow:0 20px 55px rgba(0,0,0,.18);
}
.gkm-scheme-card::before{
  content:"";
  position:absolute;
  inset:0;
  background:
   radial-gradient(circle at top right, rgba(215,166,74,.18), transparent 42%);
}
.gkm-scheme-icon{
  position:relative;
  z-index:1;
  width:62px;
  height:62px;
  border-radius:16px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12);
  color:#d7a64a;
  font-size:28px;
  margin-bottom:22px;
}
.gkm-scheme-step{
  position:relative;
  z-index:1;
  font-size:11px;
  letter-spacing:.18em;
  color:#d7a64a;
  font-weight:700;
  margin-bottom:10px;
}
.gkm-scheme-card h3{
  position:relative;
  z-index:1;
  color:#fff;
  font-size:22px;
  line-height:1.45;
  margin:0 0 14px;
}
.gkm-scheme-card p{
  position:relative;
  z-index:1;
  color:rgba(255,255,255,.8);
  line-height:1.9;
  font-size:14px;
}
.gkm-scheme-arrow{
  position:absolute;
  right:-14px;
  top:50%;
  transform:translateY(-50%);
  color:#d7a64a;
  font-size:24px;
  opacity:.6;
}
@media(max-width:960px){
  .gkm-scheme-grid{
    grid-template-columns:1fr;
  }
  .gkm-scheme-arrow{
    display:none;
  }
}