.tos-page{--navy:#021064;--ink:#141d23;--muted:rgba(20,29,35,.68);--line:rgba(2,16,100,.12);--soft:#f5faff;--red:#d90429;min-height:100vh;background:linear-gradient(126deg,rgba(255,255,255,.98),rgba(246,250,255,.9) 54%,rgba(235,246,255,.94)),#eef6ff;color:var(--ink);padding:72px min(6vw,80px) 96px}.tos-page *{box-sizing:border-box}.tos-hero,.tos-nav,.tos-section{width:min(1120px,100%);margin-inline:auto}.tos-hero{padding:28px 0 18px}.tos-kicker{display:inline-flex;align-items:center;gap:8px;min-height:30px;padding:7px 12px;border-radius:999px;background:rgba(255,255,255,.78);color:rgba(2,16,100,.72);font-size:10px;font-weight:850;letter-spacing:.13em;text-transform:uppercase;box-shadow:0 10px 30px rgba(20,29,35,.045)}.tos-kicker:before{content:"";width:6px;height:6px;border-radius:999px;background:var(--red)}.tos-hero h1,.tos-section h2,.tos-section h3{margin:0;color:var(--navy)}.tos-hero h1{max-width:880px;margin-top:22px;font-size:clamp(42px,5vw,72px);line-height:1.02;font-weight:860}.tos-hero p{max-width:760px;margin:18px 0 0;color:var(--muted);font-size:18px;line-height:1.6;font-weight:520}.tos-hero span{display:inline-block;margin-top:18px;color:rgba(2,16,100,.62);font-size:13px;font-weight:780}.tos-nav{position:-webkit-sticky;position:sticky;top:0;z-index:2;display:flex;flex-wrap:wrap;gap:10px;margin-top:28px;padding:12px;border:1px solid rgba(255,255,255,.78);border-radius:16px;background:rgba(255,255,255,.78);box-shadow:0 18px 44px rgba(2,16,100,.08);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.tos-contact,.tos-nav a{display:inline-flex;align-items:center;justify-content:center;min-height:40px;border:1px solid rgba(2,16,100,.14);border-radius:12px;background:#fff;color:var(--navy);padding:0 14px;font-size:14px;font-weight:850;text-decoration:none}.tos-contact:hover,.tos-nav a:hover{border-color:var(--navy)}.tos-section{margin-top:24px;padding:clamp(24px,4vw,42px);border:1px solid rgba(255,255,255,.82);border-radius:24px;background:rgba(255,255,255,.76);box-shadow:0 22px 60px rgba(2,16,100,.075)}.tos-section h2{font-size:clamp(26px,3vw,40px);line-height:1.1;font-weight:850}.tos-section h3{font-size:18px;line-height:1.25;font-weight:840}.tos-section li,.tos-section p{color:var(--muted);font-size:16px;line-height:1.64;font-weight:520}.tos-section>p{max-width:920px;margin:14px 0 0}.tos-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:14px;gap:14px;margin-top:22px}.tos-grid article{min-height:170px;padding:20px;border:1px solid var(--line);border-radius:14px;background:rgba(245,250,255,.8)}.tos-grid p{margin:10px 0 0}.tos-highlight{border-color:rgba(217,4,41,.18);background:linear-gradient(135deg,rgba(255,255,255,.9),rgba(255,248,250,.78)),#fff}.tos-steps{display:grid;grid-gap:10px;gap:10px;margin:20px 0 0;padding-left:22px}.tos-contact{margin-top:18px;background:var(--navy);color:#fff}@media (max-width:760px){.tos-page{padding:44px 16px 64px}.tos-nav{position:static}.tos-nav a{flex:1 1 100%}.tos-grid{grid-template-columns:1fr}}