body {
    font-family: Arial, sans-serif;
    background: #f3f4f6;
    margin: 0;
    color: #111827;
    line-height: 1.7;
}

.navbar {
    background: #111827;
    color: white;
    padding: 16px 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}

.brand {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 22px;
    font-weight: bold;
    letter-spacing: 0.3px;
}

.brand-logo {
    height: 48px;
    width: auto;
    border-radius: 8px;
    background: white;
    padding: 4px;
}

.nav-links {
    display: flex;
    gap: 18px;
    align-items: center;
    flex-wrap: wrap;
}

.nav-links a {
    color: #e5e7eb;
    text-decoration: none;
    font-size: 14px;
}

.hero {
    background: linear-gradient(135deg, #111827, #1f2937);
    color: white;
    padding: 60px 24px;
    text-align: center;
}

.hero h1 {
    font-size: 44px;
    margin: 0 0 12px 0;
}

.hero p {
    margin: 0 auto;
    max-width: 720px;
    color: #d1d5db;
    font-size: 18px;
}

.content {
    max-width: 950px;
    margin: 35px auto;
    padding: 0 20px;
}

.terms-card {
    background: white;
    padding: 34px;
    border-radius: 18px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
}

.terms-card h2 {
    margin-top: 0;
    color: #111827;
    border-bottom: 1px solid #e5e7eb;
    padding-bottom: 10px;
}

.terms-card h3 {
    margin-top: 26px;
    color: #111827;
}

.terms-card p {
    color: #374151;
    margin: 8px 0;
}

.notice {
    background: #eff6ff;
    color: #1e40af;
    padding: 15px;
    border-radius: 10px;
    margin-bottom: 24px;
    font-size: 14px;
}

.custom-footer {
    background: #e8e6e3;
    padding: 40px 20px;
    margin-top: 50px;
}

.footer-grid {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 30px;
    align-items: start;
    text-align: center;
}

.footer-column h2 {
    margin: 0;
    font-size: 42px;
    font-weight: 500;
    color: #111827;
}

.footer-column h3 {
    margin-top: 0;
    margin-bottom: 20px;
    font-size: 20px;
    color: #111827;
}

.footer-column p {
    margin: 12px 0;
    font-size: 18px;
    color: #111827;
    line-height: 1.6;
}

.footer-column a {
    color: #163d73;
    text-decoration: underline;
}

.footer-copyright {
    margin: 30px auto 0;
    color: #374151;
    font-size: 13px;
    text-align: center;
}

@media (max-width: 850px) {
    .navbar {
        align-items: flex-start;
        flex-direction: column;
    }

    .hero h1 {
        font-size: 34px;
    }

    .terms-card {
        padding: 24px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .footer-column h2 {
        font-size: 32px;
    }
}