/* Hero */
    .hero {
      text-align: center;
      padding: 80px 20px 50px;
      background: linear-gradient(to bottom, #0f1625, #0a0e17);
    }
    .hero h1 {
      font-size: 2.6rem;
      margin-bottom: 12px;
      color: white;
    }
    .hero p {
      color: #a0b0d0;
      font-size: 1.1rem;
    }

    /* Terms Container */
    .terms-container {
      max-width: 1200px;
      margin: 50px auto;
      padding: 0 20px;
    }

    .cards-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
      gap: 24px;
    }

    .card {
      background: #111827;
      border: 1px solid #1e293b;
      border-radius: 12px;
      overflow: hidden;
      transition: all 0.25s ease;
      display: flex;
      flex-direction: column;
    }

    .card:hover {
      transform: translateY(-6px);
      box-shadow: 0 12px 30px rgba(0,0,0,0.45);
      border-color: #3b82f6;
    }

    .card-icon {
      height: 90px;
      background: #0f1625;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 2.8rem;
      color: #3b82f6;
    }

    .card-content {
      padding: 24px;
      flex-grow: 1;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
    }

    .card h3 {
      font-size: 1.35rem;
      color: #e0f2fe;
      margin-bottom: 16px;
    }

    .read-more-btn {
      background: #1d4ed8;
      color: white;
      border: none;
      padding: 10px 20px;
      border-radius: 6px;
      font-weight: 500;
      cursor: pointer;
      transition: 0.2s;
      align-self: flex-start;
    }
    .read-more-btn:hover {
      background: #3b82f6;
    }

    /* Modal */
    .modal {
      display: none;
      position: fixed;
      inset: 0;
      background: rgba(0,0,0,0.8);
      z-index: 1000;
      align-items: center;
      justify-content: center;
      padding: 20px;
    }

    .modal-content {
      background: #111827;
      border: 1px solid #1e40af;
      border-radius: 12px;
      max-width: 680px;
      width: 100%;
      max-height: 90vh;
      overflow-y: auto;
      padding: 32px;
      position: relative;
    }

    .close-btn {
      position: absolute;
      top: 16px;
      right: 20px;
      font-size: 28px;
      color: #94a3b8;
      background: none;
      border: none;
      cursor: pointer;
    }
    .close-btn:hover { color: white; }

    .modal h2 {
      color: #60a5fa;
      font-size: 1.85rem;
      margin-bottom: 24px;
    }

    .modal .content {
      font-size: 1.05rem;
      color: #d1d5db;
    }

    .modal .content p {
      margin-bottom: 16px;
    }

    .modal .content ul {
      list-style-type: disc;
      padding-left: 20px;
    }

    .modal .content li {
      margin-bottom: 8px;
    }

    /* Spacer / Additional Information */
    .spacer {
      max-width: 900px;
      margin: 60px auto;
      padding: 30px 25px;
      background: #0b1220;
      border-left: 5px solid #1e88e5;
      border-radius: 8px;
    }

    .spacer h3 {
      font-size: 24px;
      margin-bottom: 20px;
      color: white;
    }

    .spacer p {
      font-size: 15px;
      line-height: 1.7;
      color: white;
      margin-bottom: 12px;
    }

    .spacer p:nth-of-type(1),
    .spacer p:nth-of-type(6),
    .spacer p:nth-of-type(8) {
      font-weight: 600;
      color: white;
      margin-top: 20px;
    }

  

    @media (max-width: 768px) {
      .hero h1 { font-size: 2.1rem; }
      .modal-content { padding: 24px; }
      .navbar {
        flex-direction: column;
        gap: 10px;
      }
      .footer-container {
        flex-direction: column;
      }
      .spacer {
        margin: 30px 15px;
        padding: 20px;
      }
      .spacer h3 {
        font-size: 20px;
      }
      .spacer p {
        font-size: 14px;
      }
    }