.terms-ref{min-height:100vh;background:var(--bg-dark);color:var(--cream);padding-bottom:3rem}.terms-ref__hero{padding:1.25rem 0 3rem}.terms-ref__hero-inner{max-width:1280px;margin:0 auto;padding:0 1.5rem;text-align:center}.terms-ref__title{font-family:var(--font-display);font-size:clamp(2.5rem,6vw,4rem);font-weight:700;line-height:1;margin:0 0 1.5rem;color:var(--cream);position:relative;padding-bottom:.75rem}.terms-ref__title:after{content:"";position:absolute;bottom:0;left:50%;transform:translate(-50%);width:4rem;height:2px;background:linear-gradient(90deg,transparent,var(--gold),transparent);border-radius:1px}.terms-ref__title-accent{color:var(--gold);font-style:italic}.terms-ref__subtitle{font-size:1.1rem;color:var(--cream-muted);max-width:32rem;margin:0 auto;line-height:1.6}.terms-ref__title .editable{vertical-align:baseline}.terms-ref__hero-inner>.editable_multiline.terms-ref__subtitle{display:block;width:100%;max-width:32rem;margin-left:auto;margin-right:auto}.terms-ref__hero-inner>.editable_multiline.terms-ref__subtitle>p{margin:0;font-size:inherit;color:inherit;line-height:inherit}.terms-ref__cards{padding:0 0 3rem}.terms-ref__cards-inner{max-width:1280px;margin:0 auto;padding:0 1.5rem;display:grid;grid-template-columns:repeat(2,1fr);gap:1.75rem}.terms-ref__card-anchor{position:relative;display:flex;width:100%;scroll-margin-top:150px}.terms-ref__anchor-alias{display:block;position:relative;top:-150px;height:0;width:0;overflow:hidden;pointer-events:none}.terms-ref__card{position:relative;display:flex;flex-direction:column;width:100%;min-height:360px;align-items:center;text-align:center;padding:2.45rem 1.55rem;background:var(--bg-card);border-radius:24px;border:1px solid rgba(212,175,55,.12);cursor:pointer;font-family:inherit;transition:box-shadow .3s ease,transform .2s ease,border-color .2s ease;box-shadow:0 4px 20px #00000040}.terms-ref__card:hover{box-shadow:0 12px 40px #d4af3733;transform:translateY(-2px);border-color:#d4af3747}.terms-ref__card-line{position:absolute;top:2.5rem;left:2.5rem;width:3rem;height:2px;background:#d4af3773;border-radius:1px}.terms-ref__card-icon{width:5rem;height:5rem;display:flex;align-items:center;justify-content:center;background:#d4af371f;border-radius:16px;color:var(--gold);margin-bottom:1.5rem;transition:background .3s,color .3s}.terms-ref__card:hover .terms-ref__card-icon{background:var(--gold);color:#1a1a1a}.terms-ref__card-title{font-family:var(--font-display);font-size:1.65rem;font-weight:700;color:var(--cream);margin:0 0 .75rem;line-height:1.2}.terms-ref__card-desc{font-size:1rem;color:var(--cream-muted);line-height:1.56;max-width:24rem;margin:0 0 1rem}.terms-ref__card-more{font-size:.65rem;font-weight:700;text-transform:uppercase;letter-spacing:.15em;color:var(--gold);opacity:0;transition:opacity .25s}.terms-ref__card:hover .terms-ref__card-more{opacity:1}.terms-ref__card--rich{cursor:default;padding-bottom:1.85rem;min-height:420px}.terms-ref__card--rich:hover{transform:none}.terms-ref__card-head{display:flex;flex-direction:column;align-items:center;width:100%;padding:0;border:none;background:transparent;color:inherit;font:inherit;text-align:center;cursor:pointer}.terms-ref__card-head:hover+.terms-ref__card-extra,.terms-ref__card--rich:hover .terms-ref__card-more{opacity:1}.terms-ref__card--rich:hover .terms-ref__card-icon{background:var(--gold);color:#1a1a1a}.terms-ref__card--rich:hover{box-shadow:0 12px 40px #d4af3733;border-color:#d4af3747}.terms-ref__card-extra{margin:.35rem 0 1.15rem;padding:0 .25rem;max-width:24rem;font-size:clamp(.95rem,2vw,1.05rem);line-height:1.58;color:var(--cream)}.terms-ref__card-cta{display:inline-block;padding:.72rem 1.45rem;border-radius:8px;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-decoration:none;background:var(--gold);color:#1a1a1a;transition:background .2s,color .2s,transform .2s}.terms-ref__card-cta:hover{background:var(--gold-light);color:#1a1a1a;transform:translateY(-1px)}.terms-ref__modal-backdrop{position:fixed;top:0;right:0;bottom:0;left:0;z-index:100;display:flex;align-items:center;justify-content:center;padding:max(1rem,env(safe-area-inset-top,0px)) max(1rem,env(safe-area-inset-right,0px)) max(1rem,env(safe-area-inset-bottom,0px)) max(1rem,env(safe-area-inset-left,0px));background:#0a0a0ae0;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}.terms-ref__modal{position:relative;width:100%;max-width:min(92vw,620px);max-height:min(90vh,100dvh - 2rem);overflow-y:auto;background:var(--bg-card);border:1px solid rgba(212,175,55,.15);border-radius:32px;box-shadow:0 24px 64px #00000080}.terms-ref__modal-close{position:absolute;top:1.25rem;right:1.25rem;z-index:2}.terms-ref__modal-inner{padding:2.5rem 2rem}.terms-ref__modal-icon{width:4rem;height:4rem;display:flex;align-items:center;justify-content:center;background:#d4af371f;border-radius:16px;color:var(--gold);margin-bottom:1.5rem}.terms-ref__modal-title{font-family:var(--font-display);font-size:2rem;font-weight:700;color:var(--cream);margin:0 0 1.5rem}.terms-ref__modal-content{font-size:1rem;color:var(--cream-muted);line-height:1.7}.terms-ref__modal-image-wrap{margin:0 0 1.25rem;border-radius:22px;overflow:hidden;background:#00000038}.terms-ref__modal-image-wrap img{width:100%;height:auto;display:block;vertical-align:middle}.terms-ref__modal-image-wrap--dissolve{position:relative;isolation:isolate}.terms-ref__modal-image-wrap--dissolve:after{content:"";position:absolute;top:-1px;right:-1px;bottom:-1px;left:-1px;pointer-events:none;border-radius:inherit;box-shadow:inset 0 0 48px 28px var(--bg-card),inset 0 0 120px 40px #1a16128c}.terms-ref__modal-image-wrap--dissolve img{-webkit-mask-image:radial-gradient(ellipse 105% 88% at 50% 46%,#000 0%,#000 38%,rgba(0,0,0,.88) 55%,rgba(0,0,0,.35) 78%,transparent 100%);mask-image:radial-gradient(ellipse 105% 88% at 50% 46%,#000 0%,#000 38%,rgba(0,0,0,.88) 55%,rgba(0,0,0,.35) 78%,transparent 100%);-webkit-mask-size:100% 100%;mask-size:100% 100%;transform:translateZ(0)}.terms-ref__modal-content p{margin:0 0 1rem}.terms-ref__modal-content p:last-of-type{margin-bottom:0}.terms-ref__modal-content ul,.terms-ref__modal-content ol{margin:.5rem 0 1rem;padding-left:1.25rem}.terms-ref__modal-content li{margin-bottom:.35rem}.terms-ref__modal-content ol{list-style:decimal}.terms-ref__modal-btn{display:block;width:100%;margin-top:1.5rem;padding:1rem 1.5rem;font-size:.9rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;background:var(--gold);color:#1a1a1a;border:none;border-radius:16px;cursor:pointer;font-family:inherit;transition:background .2s,transform .15s}.terms-ref__modal-btn:hover{background:var(--gold-light);color:#1a1a1a;transform:translateY(-1px)}.terms-ref__info{padding:3rem 0;background:#ffffff05}.terms-ref__info-inner{max-width:1280px;margin:0 auto;padding:0 1.5rem;display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}.terms-ref__info-col{display:flex;flex-direction:column;gap:.5rem}.terms-ref__info-icon{width:2rem;height:2rem;color:var(--gold);margin-bottom:.25rem}.terms-ref__info-icon svg{width:100%;height:100%}.terms-ref__info-title{font-size:1.1rem;font-weight:700;color:var(--cream);margin:0}.terms-ref__info-text{font-size:.9rem;color:var(--cream-muted);line-height:1.55;margin:0;white-space:pre-line}@media(max-width:768px){.terms-ref__cards-inner{grid-template-columns:1fr}.terms-ref__card{min-height:330px}.terms-ref__card--rich{min-height:390px}.terms-ref__info-inner{grid-template-columns:1fr}.terms-ref__modal{border-radius:22px}.terms-ref__modal-inner{padding:1.5rem 1.15rem 1.75rem}.terms-ref__modal-title{font-size:clamp(1.35rem,5vw,2rem);padding-right:2.75rem}.terms-ref__modal-close{top:max(.85rem,env(safe-area-inset-top,0px));right:max(.85rem,env(safe-area-inset-right,0px))}.terms-ref__modal-image-wrap--dissolve:after{box-shadow:inset 0 0 20px 10px var(--bg-card)}.terms-ref__modal-image-wrap--dissolve img{-webkit-mask-image:radial-gradient(ellipse 118% 100% at 50% 50%,#000 0%,#000 62%,rgba(0,0,0,.92) 78%,rgba(0,0,0,.5) 92%,transparent 100%);mask-image:radial-gradient(ellipse 118% 100% at 50% 50%,#000 0%,#000 62%,rgba(0,0,0,.92) 78%,rgba(0,0,0,.5) 92%,transparent 100%)}.terms-ref__modal-image-wrap{background:#00000014}.terms-ref__hero-inner{padding-left:max(1rem,env(safe-area-inset-left,0px));padding-right:max(1rem,env(safe-area-inset-right,0px))}}