.terms-content {
    padding: 70px 0;
    background: #f8f9fa;
}

.terms-intro {
    max-width: 850px;
    margin: 0 auto 34px;
    text-align: center;
}

.terms-intro span {
    display: inline-block;
    margin-bottom: 10px;
    padding: 7px 14px;
    border-radius: 6px;
    background: #e8f5f7;
    color: #2ba99e;
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
}

.terms-intro h2 {
    margin: 0 0 12px;
    color: #152348;
    font-size: 32px;
    font-weight: 800;
    line-height: 1.3;
}

.terms-intro p {
    margin: 0;
    color: #666;
    font-size: 16px;
    line-height: 1.7;
}

.terms-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 22px;
}

.terms-card {
    position: relative;
    height: 100%;
    margin: 0;
    padding: 28px 26px 26px;
    border: 1px solid #edf0f2;
    border-radius: 12px;
    background: #fff;
    box-shadow: 0 2px 15px rgba(0, 0, 0, 0.07);
    transition: all 0.3s ease;
    overflow: hidden;
}

.terms-card::before {
    content: "";
    position: absolute;
    inset: 0 auto 0 0;
    width: 4px;
    background: linear-gradient(180deg, #39d6e7 0%, #2ba99e 100%);
}

.terms-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 10px 28px rgba(0, 0, 0, 0.11);
}

.terms-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    margin-bottom: 15px;
    border-radius: 50%;
    background: linear-gradient(135deg, #39d6e7 0%, #2ba99e 100%);
    color: #fff;
    font-size: 14px;
    font-weight: 800;
}

.terms-card h2 {
    margin: 0 0 10px;
    color: #152348;
    font-size: 20px;
    font-weight: 800;
}

.terms-card p {
    margin: 0;
    color: #666;
    font-size: 15px;
    line-height: 1.75;
}

@media (max-width: 991px) {
    .terms-grid {
        grid-template-columns: 1fr;
    }

    .terms-card:hover {
        transform: none;
    }
}

@media (max-width: 767px) {
    .terms-content {
        padding: 45px 0;
    }

    .terms-intro h2 {
        font-size: 24px;
    }

    .terms-card {
        padding: 24px 20px 22px;
    }
}