.term-desc a:after,.term-row:before{content:"";position:absolute;width:100%;transform:scaleX(0);left:0}.terms-section{padding:100px 0 80px;color:#44566c;background:linear-gradient(135deg,#f8faff,#fff);font-family:Inter,system-ui,-apple-system,sans-serif}.term-row:before,.terms-divider{height:4px;background:linear-gradient(90deg,#b8430a,#ff9b66)}.section-title{font-size:2.8rem;font-weight:800;margin-bottom:10px;color:#182d41;letter-spacing:-.02em;line-height:1.2;text-align:center}.section-title span{background:linear-gradient(90deg,#b8430a,#ff8142);-webkit-background-clip:text;-webkit-text-fill-color:transparent;display:inline-block}.terms-effective{font-size:1.1rem;color:#506172;text-align:center;margin-bottom:20px}.terms-effective strong{color:#182d41}.terms-divider{width:80px;margin:0 auto 30px;border-radius:2px}.intro-text{font-size:1.15rem;line-height:1.8;color:#506172;text-align:center;max-width:800px;margin:0 auto 50px}.terms-content{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:30px;padding-bottom:20px}.term-row{background:#fff;border-radius:16px;padding:35px 30px;border:1px solid rgba(226,232,240,.6);box-shadow:0 10px 40px rgba(24,45,65,.04),0 1px 3px rgba(0,0,0,.02);transition:.4s cubic-bezier(.165,.84,.44,1);position:relative;overflow:hidden;display:flex;flex-direction:column}.term-row:before{top:0;transform-origin:left;transition:transform .4s}.term-row:hover{box-shadow:0 15px 45px rgba(24,45,65,.08),0 4px 10px rgba(0,0,0,.03);transform:translateY(-5px)}.term-row:hover:before{transform:scaleX(1)}.term-icon{width:60px;height:60px;background:#fff3ed;border-radius:12px;display:flex;align-items:center;justify-content:center;color:#b8430a;margin-bottom:20px;transition:.3s}.term-row:hover .term-icon{background:#c2410c;color:#fff;transform:rotate(5deg) scale(1.05)}.term-title{font-size:1.4rem;color:#182d41;font-weight:700;margin-bottom:15px;letter-spacing:-.01em}.term-desc p,.term-desc ul{font-size:1.05rem;line-height:1.7;color:#506172;margin-bottom:0}.term-desc ul{padding-left:0;list-style:none}.term-desc ul li{margin-bottom:10px;position:relative;padding-left:24px;transition:transform .2s,color .2s}.term-desc ul li:before{content:"•";color:#b8430a;font-size:1.5rem;position:absolute;left:0;top:-4px;transition:transform .3s}.term-desc ul li:hover{color:#182d41;transform:translateX(3px)}.term-desc ul li:hover:before{transform:scale(1.2)}.term-desc a{color:#b8430a;text-decoration:none;font-weight:500;position:relative;transition:color .3s}.term-desc a:after{height:2px;bottom:-2px;background-color:#b8430a;transform-origin:bottom right;transition:transform .3s cubic-bezier(.86,0,.07,1)}.term-desc a:hover{color:#d15115}.term-desc a:hover:after{transform:scaleX(1);transform-origin:bottom left}@media (max-width:768px){.terms-section{padding:60px 0 40px}.section-title{font-size:28px}.terms-content{grid-template-columns:1fr}.term-row{padding:30px 25px}}