/* =====================================================================
   UBADMIT TERMS AND CONDITIONS PAGE
   Scoped page styles. Shared header, footer, typefaces and consultation
   form remain supplied by css/style.css.
   ===================================================================== */

.terms-conditions-page {
  --tc-blue: #19488b;
  --tc-navy: #10294c;
  --tc-yellow: #f7c315;
  --tc-ink: #16243a;
  --tc-muted: #64738a;
  --tc-line: #e5ebf4;
  --tc-soft: #f5f8fd;
  --tc-white: #fff;
  background: #fff;
  color: var(--tc-ink);
}

.terms-conditions-page * {
  box-sizing: border-box;
}

.terms-conditions-page a {
  text-underline-offset: 3px;
}

.terms-conditions-page button {
  cursor: pointer;
}

.terms-conditions-page button:focus-visible,
.terms-conditions-page a:focus-visible {
  outline: 3px solid rgba(247,195,21,.62);
  outline-offset: 4px;
}

.tc-reading-progress {
  position: fixed;
  z-index: 1000;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: rgba(25,72,139,.07);
  pointer-events: none;
}

.tc-reading-progress span {
  display: block;
  width: 0;
  height: 100%;
  background: linear-gradient(90deg,var(--tc-blue),var(--tc-yellow));
  transition: width .12s linear;
}

.tc-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: 132px 0 84px;
  background: linear-gradient(118deg,#edf4ff 0%,#fff 43%,#f8fbff 70%,#fff9e8 100%);
}

.tc-hero::before {
  position: absolute;
  z-index: -2;
  inset: -18%;
  content: "";
  pointer-events: none;
  background: radial-gradient(ellipse at 16% 72%,rgba(25,72,139,.08),transparent 33%),radial-gradient(ellipse at 83% 22%,rgba(247,195,21,.17),transparent 30%);
  animation: contact-glow 12s ease-in-out infinite alternate;
}

.tc-hero::after {
  position: absolute;
  z-index: -1;
  top: 28%;
  left: -15%;
  width: 130%;
  height: 230px;
  content: "";
  border: 1px solid rgba(25,72,139,.055);
  border-radius: 50%;
  box-shadow: 0 0 0 18px rgba(25,72,139,.018);
  transform: rotate(-8deg);
  pointer-events: none;
}

.tc-hero-grid {
  display: grid;
  grid-template-columns: minmax(0,1.08fr) minmax(340px,.72fr);
  align-items: center;
  gap: clamp(38px,6vw,86px);
  position: relative;
  z-index: 1;
}

.tc-hero-copy {
  max-width: 700px;
}

.tc-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  padding: 10px 15px;
  border: 1px solid #eee8dc;
  border-radius: 999px;
  background: rgba(255,255,255,.94);
  box-shadow: 0 8px 24px rgba(24,53,96,.045);
  color: var(--tc-blue);
  font-size: 12px;
  font-weight: 850;
  letter-spacing: .13em;
}

.tc-eyebrow > span {
  width: 8px;
  height: 8px;
  flex: 0 0 8px;
  border-radius: 50%;
  background: var(--tc-yellow);
  box-shadow: 0 0 0 4px rgba(247,195,21,.17);
}

.tc-hero h1 {
  margin: 23px 0 0;
  color: var(--tc-navy);
  font-size: clamp(46px,6vw,76px);
  font-weight: 850;
  line-height: .99;
  letter-spacing: -.065em;
}

.tc-hero h1 em {
  position: relative;
  display: inline-block;
  color: var(--tc-blue);
  font-style: normal;
}

.tc-hero h1 em::after {
  position: absolute;
  content: "";
  height: 6px;
  left: 2px;
  right: 3px;
  bottom: -10px;
  border-radius: 99px;
  background: var(--tc-yellow);
  transform: rotate(-1deg);
}

.tc-hero-lead {
  margin: 27px 0 0;
  color: var(--tc-navy);
  font-size: clamp(20px,2.2vw,25px);
  font-weight: 750;
  letter-spacing: -.025em;
  line-height: 1.45;
}

.tc-hero-description {
  max-width: 665px;
  margin: 12px 0 0;
  color: #617187;
  font-size: 18px;
  line-height: 1.8;
  text-align: left;
}

.tc-hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 13px;
  margin-top: 25px;
}

.tc-primary-link,
.tc-quiet-action {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  gap: 16px;
  padding: 11px 17px;
  border-radius: 13px;
  font-family: inherit;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  transition: transform .2s ease,box-shadow .2s ease,background .2s ease;
}

.tc-primary-link {
  background: var(--tc-blue);
  color: #fff;
  border: 0;
  border-radius: 14px;
  padding: 10px 12px 14px 18px;
  box-shadow: inset 0 -4px 0 var(--tc-yellow), 0 9px 20px rgba(25,72,139,.16);
}

.tc-primary-link span {
  display: inline-grid;
  place-items: center;
  flex: 0 0 29px;
  width: 29px;
  height: 29px;
  border-radius: 9px;
  background: #fff;
  color: var(--tc-blue);
  font-size: 16px;
}

.tc-primary-link:hover {
  transform: translateY(-2px);
  background: #163f7a;
  box-shadow: inset 0 -4px 0 var(--tc-yellow), 0 13px 24px rgba(25,72,139,.22);
}

.tc-quiet-action {
  border: 1px solid #e9e3d8;
  background: rgba(255,255,255,.82);
  color: #294363;
}

.tc-quiet-action:hover {
  transform: translateY(-2px);
  background: #fff;
  box-shadow: 0 7px 18px rgba(16,41,76,.06);
}

.tc-quiet-action svg,.tc-inline-print svg {
  width: 17px;
  height: 17px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.tc-hero-assurance {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 24px;
  color: #5f6f84;
  font-size: 13px;
  line-height: 1.6;
}

.tc-assurance-icon {
  display: inline-grid;
  place-items: center;
  flex: 0 0 22px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #e8f4ee;
  color: #28754c;
  font-size: 12px;
  font-weight: 900;
}

.tc-hero-card {
  position: relative;
  padding: clamp(22px,2.5vw,28px);
  overflow: hidden;
  border: 2px solid rgba(228,221,208,.96);
  border-radius: 28px;
  background: rgba(255,255,255,.91);
  /* box-shadow: 0 24px 65px rgba(21,53,96,.09),0 3px 10px rgba(21,53,96,.025); */
  backdrop-filter: blur(8px);
}

.tc-hero-card::before {
  position: absolute;
  top: -52px;
  right: -35px;
  width: 150px;
  height: 150px;
  content: "";
  border: 1px solid rgba(247,195,21,.35);
  border-radius: 50%;
  box-shadow: 0 0 0 17px rgba(247,195,21,.04),0 0 0 35px rgba(25,72,139,.025);
  pointer-events: none;
}

.tc-hero-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.tc-card-shield {
  display: grid;
  place-items: center;
  width: 50px;
  height: 50px;
  border-radius: 16px;
  background: #f3f7fe;
  color: var(--tc-blue);
}

.tc-card-shield svg {
  width: 35px;
  height: 35px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2.15;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.tc-card-index {
  color: var(--tc-blue);
  font-size: 11px;
  font-weight: 850;
  letter-spacing: .15em;
}

.tc-card-kicker {
  margin: 17px 0 0;
  color: var(--tc-blue);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: .14em;
}

.tc-hero-card h2 {
  margin: 8px 0 0;
  color: var(--tc-navy);
  font-size: clamp(22px,2.5vw,29px);
  font-weight: 850;
  line-height: 1.2;
  letter-spacing: -.04em;
}

.tc-card-intro {
  margin: 8px 0 0;
  color: #5f6f84;
  font-size: 14.5px;
  line-height: 1.55;
  text-align: left;
}

.tc-overview-list {
  display: grid;
  gap: 7px;
  margin-top: 16px;
}

.tc-overview-list a {
  display: grid;
  grid-template-columns: 34px minmax(0,1fr) 16px;
  align-items: center;
  gap: 10px;
  padding: 10px 11px;
  border: 1px solid #eee9df;
  border-radius: 13px;
  background: linear-gradient(100deg,#fff,#fdfbf7);
  color: inherit;
  text-decoration: none;
  transition: background .2s ease,transform .2s ease,box-shadow .2s ease;
}

.tc-overview-list a:hover {
  transform: translateX(3px);
  background: #fffdf8;
  box-shadow: 0 9px 20px rgba(35,43,57,.07);
}

.tc-overview-list > a > span:first-child {
  display: grid;
  place-items: center;
  width: 32px;
  height: 32px;
  border-radius: 10px;
  background: #fff8d9;
  color: var(--tc-blue);
  font-size: 11px;
  font-weight: 850;
}

.tc-overview-list a strong,.tc-overview-list a small {
  display: block;
}

.tc-overview-list a strong {
  color: #203550;
  font-size: 14.5px;
  font-weight: 800;
}

.tc-overview-list a small {
  margin-top: 3px;
  color: #718096;
  font-size: 12.5px;
  line-height: 1.4;
  text-align: left;
}

.tc-overview-list a > b {
  color: var(--tc-blue);
  font-size: 14px;
}

.tc-hero-card-foot {
  display: flex;
  align-items: center;
  gap: 9px;
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid #eee9df;
  color: #718096;
  font-size: 12.5px;
}

.tc-foot-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--tc-yellow);
  box-shadow: 0 0 0 4px rgba(247,195,21,.15);
}

.tc-hero-orbit {
  position: absolute;
  z-index: -1;
  border: 1px solid rgba(25,72,139,.10);
  border-radius: 50%;
  pointer-events: none;
}

.tc-hero-orbit--one {
  width: 360px;
  height: 360px;
  right: 7%;
  top: -245px;
  bottom: auto;
  box-shadow: 0 0 0 25px rgba(25,72,139,.025),0 0 0 55px rgba(247,195,21,.035);
}

.tc-hero-orbit--two {
  width: 300px;
  height: 300px;
  left: 5%;
  bottom: -245px;
  right: auto;
  top: auto;
  border-color: rgba(25,72,139,.12);
  box-shadow: 0 0 0 25px rgba(25,72,139,.025),0 0 0 55px rgba(25,72,139,.018);
}

.tc-hero-spark {
  position: absolute;
  width: 7px;
  height: 7px;
  border-radius: 2px;
  background: var(--tc-yellow);
  transform: rotate(45deg);
  opacity: .75;
}

.tc-hero-spark--one {
  top: 24%;
  left: 4%;
}

.tc-hero-spark--two {
  right: 47%;
  bottom: 12%;
  width: 5px;
  height: 5px;
  background: var(--tc-blue);
  opacity: .25;
}

.tc-hero-bottom-rule {
  position: absolute;
  right: 0;
  bottom: 0;
  left: 0;
  height: 5px;
  background: linear-gradient(90deg,transparent,rgba(25,72,139,.14),rgba(247,195,21,.54),transparent);
}

.tc-hero-bottom-rule span {
  display: block;
  width: min(180px,28vw);
  height: 5px;
  margin-inline: auto;
  border-radius: 10px 10px 0 0;
  background: var(--tc-yellow);
}

.tc-content-section {
  position: relative;
  isolation: isolate;
  padding: 68px 0 90px;
  background: linear-gradient(135deg,#fff 0%,#f8fbff 55%,#fffdf7 100%);
}

.tc-content-grid {
  display: grid;
  grid-template-columns: 300px minmax(0,1fr);
  align-items: start;
  gap: clamp(26px,3vw,44px);
}

.tc-sidebar {
  position: sticky;
  top: 112px;
  display: grid;
  gap: 16px;
  min-width: 0;
}

.tc-toc-card {
  padding: 24px 18px 18px;
  border: 2px solid #e9e4da;
  border-radius: 22px;
  background: rgba(255,255,255,.96);
  /* box-shadow: 0 14px 36px rgba(46,43,36,.075); */
}

.tc-toc-heading {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 0 3px 18px;
  border-bottom: 1px solid #efebe3;
}

.tc-toc-mark {
  display: block;
  width: 4px;
  height: 38px;
  border-radius: 99px;
  background: var(--tc-yellow);
  box-shadow: 3px 0 0 rgba(247,195,21,.15);
}

.tc-toc-kicker {
  display: block;
  color: var(--tc-blue);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: .14em;
}

.tc-toc-heading h2 {
  margin: 4px 0 0;
  color: var(--tc-navy);
  font-size: 22px;
  line-height: 1.15;
  letter-spacing: -.025em;
}

.tc-toc-toggle {
  display: none;
}

.tc-toc-list {
  display: grid;
  gap: 3px;
  margin-top: 12px;
}

.tc-toc-list a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 9px;
  border-left: 2px solid transparent;
  border-radius: 0 9px 9px 0;
  color: #5e6e84;
  font-size: 13.5px;
  font-weight: 650;
  line-height: 1.45;
  text-decoration: none;
  transition: background .18s ease,color .18s ease,border-color .18s ease;
}

.tc-toc-list a span {
  display: inline-block;
  width: 24px;
  flex: 0 0 24px;
  color: var(--tc-blue);
  font-size: 10.5px;
  font-weight: 850;
  letter-spacing: .04em;
}

.tc-toc-list a:hover {
  background: #fff9df;
  color: var(--tc-blue);
}

.tc-toc-list a.is-active {
  border-left-color: var(--tc-yellow);
  background: #fff8d9;
  color: var(--tc-navy);
  font-weight: 850;
}

.tc-toc-list a.is-active span {
  color: var(--tc-blue);
}

.tc-toc-footer {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 17px;
  padding: 15px 9px 0;
  border-top: 1px solid #efebe3;
}

.tc-toc-footer-icon {
  display: grid;
  place-items: center;
  flex: 0 0 19px;
  width: 19px;
  height: 19px;
  border-radius: 50%;
  background: #fff5c9;
  color: var(--tc-blue);
  font-family: Georgia,serif;
  font-size: 12px;
  font-weight: bold;
}

.tc-toc-footer p {
  margin: 0;
  color: #6f7d8f;
  font-size: 12px;
  line-height: 1.7;
}

.tc-sidebar-contact {
  position: relative;
  overflow: hidden;
  padding: 21px 20px;
  border-radius: 20px;
  background: linear-gradient(145deg,#10284a,#19488b);
  color: #fff;
  /* box-shadow: 0 13px 26px rgba(16,41,76,.12); */
}

.tc-sidebar-contact::after {
  position: absolute;
  right: -45px;
  bottom: -74px;
  width: 150px;
  height: 150px;
  content: "";
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 50%;
  box-shadow: 0 0 0 17px rgba(255,255,255,.035),0 0 0 35px rgba(255,255,255,.025);
  pointer-events: none;
}

.tc-sidebar-contact-kicker {
  color: var(--tc-yellow);
  font-size: 10.5px;
  font-weight: 900;
  letter-spacing: .14em;
}

.tc-sidebar-contact h3 {
  margin: 10px 0 0;
  color: #fff;
  font-size: 22px;
  line-height: 1.2;
  letter-spacing: -.035em;
}

.tc-sidebar-contact p {
  margin: 10px 0 16px;
  color: #dbe4f1;
  font-size: 13.5px;
  line-height: 1.7;
}

.tc-sidebar-contact a {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: 18px;
  padding: 11px 13px;
  border-radius: 10px;
  background: #fff;
  color: var(--tc-blue);
  font-size: 13.5px;
  font-weight: 850;
  text-decoration: none;
}

.tc-sidebar-contact a span {
  color: var(--tc-blue);
  font-size: 14px;
}

.tc-article {
  min-width: 0;
  overflow: hidden;
  border: 2px solid #e9e4da;
  border-radius: 25px;
  background: #fff;
  /* box-shadow: 0 18px 48px rgba(35,39,46,.065); */
}

.tc-article-toolbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  min-height: 62px;
  padding: 15px 30px;
  border-bottom: 1px solid #efebe3;
  background: linear-gradient(100deg,#fff,#fdfbf7);
}

.tc-reading-label {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 9px;
  color: #7b817f;
  font-size: 10.5px;
  font-weight: 900;
  letter-spacing: .12em;
}

.tc-reading-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--tc-yellow);
  box-shadow: 0 0 0 4px rgba(247,195,21,.14);
}

.tc-toolbar-divider {
  width: 1px;
  height: 12px;
  margin-inline: 3px;
  background: #dbe3ee;
}

.tc-inline-print {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 11px;
  border: 1px solid #e8e2d7;
  border-radius: 10px;
  background: #fff;
  color: var(--tc-blue);
  font-size: 12.5px;
  font-weight: 800;
}

.tc-inline-print svg {
  width: 14px;
  height: 14px;
}

.tc-inline-print:hover {
  border-color: #d8d0c1;
  background: #fdfbf6;
}

.tc-policy-block {
  padding: 35px clamp(26px,3.2vw,46px) 38px;
  border-bottom: 1px solid #efebe3;
  scroll-margin-top: 105px;
}

.tc-policy-block:last-child {
  border-bottom: 0;
}

.tc-section-heading {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 22px;
}

.tc-section-number {
  display: grid;
  place-items: center;
  flex: 0 0 44px;
  width: 44px;
  height: 44px;
  border: 1px solid #f0e6bd;
  border-radius: 14px;
  background: #fffdf5;
  color: var(--tc-blue);
  font-size: 12.5px;
  font-weight: 900;
  box-shadow: inset 0 -3px 0 var(--tc-yellow);
}

.tc-section-kicker {
  display: block;
  margin-top: 1px;
  color: var(--tc-blue);
  font-size: 10.5px;
  font-weight: 900;
  letter-spacing: .14em;
}

.tc-section-heading h2 {
  margin: 6px 0 0;
  color: var(--tc-navy);
  font-size: clamp(24px,2.7vw,32px);
  font-weight: 850;
  line-height: 1.22;
  letter-spacing: -.045em;
}

.tc-policy-block > p {
  margin: 0 0 17px;
  color: #4f6077;
  font-size: 16px;
  line-height: 1.85;
  text-align: left;
}

.tc-policy-block > p:last-child {
  margin-bottom: 0;
}

.tc-policy-block p a {
  color: var(--tc-blue);
  font-weight: 750;
  text-decoration: underline;
  text-decoration-color: rgba(247,195,21,.75);
  text-decoration-thickness: 2px;
}

.tc-info-callout {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-top: 24px;
  padding: 19px 19px 19px 17px;
  border: 1px solid #e9e3d8;
  border-left: 3px solid var(--tc-yellow);
  border-radius: 14px;
  background: linear-gradient(105deg,#fffdf4,#fff);
}

.tc-info-icon {
  display: grid;
  place-items: center;
  flex: 0 0 23px;
  width: 23px;
  height: 23px;
  border-radius: 8px;
  background: #e7effb;
  color: var(--tc-blue);
  font-family: Georgia,serif;
  font-size: 13px;
  font-weight: 800;
}

.tc-info-callout p {
  margin: 0;
  color: #4f6077;
  font-size: 14.5px;
  line-height: 1.8;
  text-align: left;
}

.tc-check-list {
  display: grid;
  grid-template-columns: repeat(2,minmax(0,1fr));
  gap: 10px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.tc-check-list li {
  position: relative;
  padding: 15px 15px 15px 40px;
  border: 1px solid #ece7de;
  border-radius: 13px;
  background: #fdfbf7;
  color: #4f6077;
  font-size: 14px;
  line-height: 1.7;
}

.tc-check-list li::before {
  position: absolute;
  top: 16px;
  left: 14px;
  display: grid;
  place-items: center;
  width: 17px;
  height: 17px;
  border-radius: 50%;
  content: "✓";
  background: #fff5c9;
  color: var(--tc-blue);
  font-size: 11px;
  font-weight: 900;
}

.tc-rights-list {
  display: grid;
  gap: 9px;
  margin: 18px 0;
  padding: 0;
  list-style: none;
}

.tc-rights-list li {
  display: grid;
  grid-template-columns: 34px minmax(0,1fr);
  align-items: start;
  gap: 12px;
  padding: 15px 16px;
  border: 1px solid #ece7de;
  border-radius: 13px;
  background: #fdfbf7;
}

.tc-rights-list li > span {
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 10px;
  background: #f1ede4;
  color: var(--tc-blue);
  font-size: 10.5px;
  font-weight: 900;
}

.tc-rights-list strong {
  display: block;
  margin: 1px 0 4px;
  color: #263c5a;
  font-size: 14.5px;
  font-weight: 850;
}

.tc-rights-list p {
  margin: 0;
  color: #5d6d81;
  font-size: 14px;
  line-height: 1.75;
  text-align: left;
}

.tc-rights-list--compact {
  grid-template-columns: repeat(2,minmax(0,1fr));
  gap: 8px;
}

.tc-rights-list--compact li {
  padding: 11px;
  grid-template-columns: 27px minmax(0,1fr);
  gap: 8px;
}

.tc-rights-list--compact li > span {
  width: 25px;
  height: 25px;
  background: #fff8d9;
  color: var(--tc-blue);
}

.tc-rights-list--compact strong {
  font-size: 13.5px;
}

.tc-rights-list--compact p {
  font-size: 13px;
}

.tc-contact-inline {
  display: inline-flex;
  align-items: center;
  gap: 18px;
  margin-top: 6px;
  padding: 13px 16px 15px;
  border-radius: 14px;
  background: var(--tc-blue);
  color: #fff !important;
  font-size: 13.5px;
  font-weight: 850;
  text-decoration: none !important;
  box-shadow: inset 0 -4px 0 var(--tc-yellow), 0 9px 20px rgba(25,72,139,.16);
}

.tc-contact-inline span {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 9px;
  background: #fff;
  color: var(--tc-blue);
  font-size: 16px;
}

.tc-article-endnote {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
  padding: 19px 28px;
  background: #f7f9fd;
}

.tc-article-endnote > span {
  display: grid;
  place-items: center;
  width: 25px;
  height: 25px;
  border-radius: 50%;
  background: #e4f2ea;
  color: #28754c;
  font-weight: 900;
}

.tc-article-endnote p {
  flex: 1 1 230px;
  margin: 0;
  color: #657489;
  font-size: 13.5px;
  line-height: 1.65;
  text-align: left;
}

.tc-article-endnote button {
  padding: 9px 12px;
  border: 1px solid #e7e1d6;
  border-radius: 10px;
  background: #fff;
  color: var(--tc-blue);
  font-size: 12.5px;
  font-weight: 850;
}

.tc-article-endnote button span {
  color: var(--tc-blue);
  margin-left: 8px;
}

.tc-bottom-cta {
  padding: 0 0 84px;
  background: linear-gradient(180deg,#fff 0%,#fff 60%,#f7f9fd 100%);
}

.tc-bottom-cta-inner {
  position: relative;
  display: flex;
  align-items: center;
  gap: 26px;
  padding: 32px clamp(25px,4vw,46px);
  overflow: hidden;
  border: 2px solid #e9e3d8;
  border-radius: 24px;
  background: linear-gradient(110deg,#f4f8ff,#fff 57%,#fff9e8);
  /* box-shadow: 0 16px 38px rgba(42,42,36,.075); */
}

.tc-bottom-cta-inner::after {
  position: absolute;
  top: -82px;
  right: 19%;
  width: 175px;
  height: 175px;
  content: "";
  border: 1px solid rgba(25,72,139,.10);
  border-radius: 50%;
  box-shadow: 0 0 0 18px rgba(25,72,139,.025),0 0 0 38px rgba(247,195,21,.03);
  pointer-events: none;
}

.tc-bottom-cta-mark {
  display: grid;
  place-items: center;
  flex: 0 0 58px;
  width: 58px;
  height: 58px;
  border-radius: 18px;
  background: var(--tc-blue);
  box-shadow: 0 8px 19px rgba(25,72,139,.12);
}

.tc-bottom-cta-mark svg {
  width: 34px;
  height: 34px;
  fill: none;
  stroke: #fff;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.tc-bottom-cta-copy {
  position: relative;
  z-index: 1;
  flex: 1;
  min-width: 0;
}

.tc-bottom-cta-kicker {
  color: var(--tc-blue);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: .14em;
}

.tc-bottom-cta h2 {
  margin: 7px 0 0;
  color: var(--tc-navy);
  font-size: clamp(23px,2.8vw,31px);
  font-weight: 850;
  line-height: 1.2;
  letter-spacing: -.045em;
}

.tc-bottom-cta h2 em {
  color: var(--tc-blue);
  font-style: normal;
  text-decoration: underline;
  text-decoration-color: var(--tc-yellow);
  text-decoration-thickness: 4px;
  text-underline-offset: 5px;
}

.tc-bottom-cta p {
  margin: 9px 0 0;
  color: #5d6d81;
  font-size: 14.5px;
  line-height: 1.75;
  text-align: left;
}

.tc-bottom-cta-link {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex: 0 0 auto;
  padding: 12px 14px 16px;
  border-radius: 14px;
  background: var(--tc-blue);
  color: #fff;
  font-size: 13px;
  font-weight: 850;
  text-decoration: none;
  box-shadow: inset 0 -4px 0 var(--tc-yellow), 0 9px 20px rgba(25,72,139,.16);
  transition: transform .2s ease,box-shadow .2s ease;
}

.tc-bottom-cta-link span {
  display: grid;
  place-items: center;
  width: 29px;
  height: 29px;
  border-radius: 9px;
  background: #fff;
  color: var(--tc-blue);
  font-size: 16px;
}

.tc-bottom-cta-link:hover {
  transform: translateY(-2px);
  background: #163f7a;
  box-shadow: inset 0 -4px 0 var(--tc-yellow), 0 13px 24px rgba(25,72,139,.22);
}

@media (max-width: 1050px) {
  .tc-hero-grid {
    grid-template-columns: minmax(0,1fr) minmax(290px,.78fr);
    gap: 30px;
  }

  .tc-content-grid {
    grid-template-columns: 260px minmax(0,1fr);
    gap: 24px;
  }

  .tc-toc-card {
    padding-inline: 13px;
  }

  .tc-policy-block {
    padding-inline: 27px;
  }

  .tc-hero h1 {
    font-size: clamp(44px,5.5vw,63px);
  }
}

@media (max-width: 820px) {
  .tc-hero {
    padding: 118px 0 55px;
  }

  .tc-hero-grid {
    grid-template-columns: 1fr;
    max-width: 720px;
  }

  .tc-hero-copy {
    max-width: 100%;
  }

  .tc-hero-card {
    max-width: 570px;
  }

  .tc-content-section {
    padding: 38px 0 60px;
  }

  .tc-content-grid {
    grid-template-columns: 1fr;
  }

  .tc-sidebar {
    position: static;
    order: -1;
  }

  .tc-toc-card {
    padding: 17px 18px;
  }

  .tc-toc-heading {
    padding-bottom: 0;
    border-bottom: 0;
  }

  .tc-toc-toggle {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    margin-top: 14px;
    padding: 12px 13px;
    border: 1px solid #e9e3d8;
    border-radius: 11px;
    background: #fbf8f1;
    color: var(--tc-blue);
    font-size: 13px;
    font-weight: 800;
  }

  .tc-toggle-icon {
    font-size: 17px;
    transition: transform .2s ease;
  }

  .tc-toc-toggle[aria-expanded="true"] .tc-toggle-icon {
    transform: rotate(180deg);
  }

  .tc-toc-list {
    display: none;
    grid-template-columns: repeat(2,minmax(0,1fr));
    gap: 4px;
    margin-top: 10px;
  }

  .tc-toc-list.is-open {
    display: grid;
  }

  .tc-toc-footer {
    display: none;
  }

  .tc-sidebar-contact {
    display: none;
  }

  .tc-bottom-cta-inner {
    align-items: flex-start;
    flex-wrap: wrap;
  }

  .tc-bottom-cta-link {
    margin-left: 82px;
  }
}

@media (max-width: 560px) {
  .tc-hero {
    padding: 94px 0 43px;
  }

  .tc-hero-grid {
    width: min(100% - 32px,1240px);
  }

  .tc-eyebrow {
    padding: 9px 12px;
    font-size: 10px;
    letter-spacing: .11em;
  }

  .tc-hero h1 {
    margin-top: 20px;
    font-size: clamp(40px,12vw,55px);
  }

  .tc-hero h1 em::after {
    height: 4px;
    bottom: -7px;
  }

  .tc-hero-lead {
    margin-top: 23px;
    font-size: 20px;
  }

  .tc-hero-description {
    font-size: 15px;
    line-height: 1.8;
  }

  .tc-hero-actions {
    gap: 9px;
    margin-top: 21px;
  }

  .tc-primary-link,.tc-quiet-action {
    min-height: 45px;
    padding: 9px 12px;
    gap: 10px;
    font-size: 12px;
  }

  .tc-hero-assurance {
    align-items: flex-start;
    margin-top: 19px;
    font-size: 12px;
  }

  .tc-hero-card {
    padding: 22px 18px;
    border-radius: 22px;
  }

  .tc-card-kicker {
    margin-top: 15px;
  }

  .tc-hero-card h2 {
    font-size: 23px;
  }

  .tc-overview-list a {
    padding: 10px 9px;
  }

  .tc-content-section {
    padding: 28px 0 44px;
  }

  .tc-content-grid {
    width: min(100% - 28px,1240px);
  }

  .tc-article {
    border-radius: 18px;
  }

  .tc-article-toolbar {
    align-items: flex-start;
    padding: 13px 15px;
  }

  .tc-reading-label {
    gap: 7px;
    max-width: 240px;
    font-size: 10px;
    line-height: 1.6;
  }

  .tc-inline-print {
    padding: 8px 9px;
    font-size: 11.5px;
  }

  .tc-policy-block {
    padding: 27px 18px 29px;
    scroll-margin-top: 90px;
  }

  .tc-section-heading {
    gap: 12px;
    margin-bottom: 18px;
  }

  .tc-section-number {
    flex-basis: 38px;
    width: 38px;
    height: 38px;
    border-radius: 12px;
  }

  .tc-section-heading h2 {
    font-size: 24px;
  }

  .tc-section-kicker {
    font-size: 10px;
  }

  .tc-policy-block > p {
    font-size: 14.5px;
    line-height: 1.85;
  }

  .tc-info-callout {
    padding: 15px 13px;
    gap: 10px;
  }

  .tc-info-callout p {
    font-size: 13px;
  }

  .tc-check-list {
    grid-template-columns: 1fr;
    gap: 7px;
  }

  .tc-rights-list--compact {
    grid-template-columns: 1fr;
  }

  .tc-article-endnote {
    padding: 15px;
  }

  .tc-article-endnote button {
    margin-left: 37px;
  }

  .tc-toc-list {
    grid-template-columns: 1fr;
  }

  .tc-bottom-cta {
    padding-bottom: 55px;
  }

  .tc-bottom-cta-inner {
    gap: 14px;
    padding: 22px 19px;
    border-radius: 18px;
  }

  .tc-bottom-cta-mark {
    flex-basis: 46px;
    width: 46px;
    height: 46px;
    border-radius: 14px;
  }

  .tc-bottom-cta-mark svg {
    width: 29px;
    height: 29px;
  }

  .tc-bottom-cta-copy {
    flex-basis: calc(100% - 62px);
  }

  .tc-bottom-cta h2 {
    font-size: 23px;
  }

  .tc-bottom-cta p {
    font-size: 13px;
  }

  .tc-bottom-cta-link {
    margin-left: 60px;
  }
}

@media print {
  .simple-page-loader,.site-header,.site-footer,.tc-hero,.tc-reading-progress,.tc-sidebar,.tc-bottom-cta,.tc-article-toolbar,.tc-article-endnote,.consult-modal {
    display: none !important;
  }

  .terms-conditions-page,.tc-content-section {
    background: #fff !important;
    color: #000 !important;
  }

  .tc-content-section {
    padding: 0 !important;
  }

  .tc-content-grid {
    display: block !important;
    width: 100% !important;
  }

  .tc-article {
    overflow: visible;
    border: 0;
    border-radius: 0;
    box-shadow: none;
  }

  .tc-policy-block {
    padding: 18px 0 !important;
    break-inside: avoid;
    border-bottom: 1px solid #ddd;
  }

  .tc-policy-block p,.tc-rights-list p,.tc-check-list li {
    color: #222 !important;
  }

  a {
    color: #000 !important;
    text-decoration: underline !important;
  }
}

@media (prefers-reduced-motion: reduce) {
  .terms-conditions-page *, .terms-conditions-page *::before, .terms-conditions-page *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}

/* Terms page refinements: section labels, reading comfort and responsive controls. */

.terms-conditions-page .tc-hero h1 {
  max-width: 760px;
}

.terms-conditions-page .tc-hero-description {
  max-width: 680px;
}

.terms-conditions-page .tc-policy-block h2 {
  text-wrap: balance;
}

.terms-conditions-page .tc-policy-block ul {
  text-align: left;
}

.terms-conditions-page .tc-article a {
  overflow-wrap: anywhere;
}

.terms-conditions-page .tc-contact-inline {
  display: inline-flex;
  align-items: center;
  gap: 18px;
  margin-top: 6px;
  padding: 13px 16px 15px;
  border-radius: 14px;
  background: var(--tc-blue);
  color: #fff !important;
  font-size: 13.5px;
  font-weight: 850;
  text-decoration: none !important;
  box-shadow: inset 0 -4px 0 var(--tc-yellow), 0 9px 20px rgba(25,72,139,.16);
}

.terms-conditions-page .tc-contact-inline span {
  display: grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 9px;
  background: #fff;
  color: var(--tc-blue);
  font-size: 16px;
}