.terms-hero {
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        border-radius: 10px;
        padding: 3rem 2rem;
        margin-bottom: 2rem;
    }
    .terms-content {
        background: white;
        border-radius: 20px;
        box-shadow: 0 10px 40px rgba(0,0,0,0.1);
        padding: 3rem;
    }
    .terms-section {
        margin-bottom: 2.5rem;
    }
    .terms-section h3 {
        color: #0f1f7a;
        font-weight: 700;
        margin-bottom: 1rem;
        padding-bottom: 0.5rem;
        border-bottom: 2px solid #e9ecef;
    }
    .terms-section p, .terms-section li {
        color: #555;
        line-height: 1.8;
    }
    .toc-card {
        background: #f8f9fa;
        border-radius: 15px;
        padding: 1.5rem;
        position: sticky;
        top: 20px;
    }
    .toc-link {
        display: block;
        padding: 0.5rem 0;
        color: #555;
        text-decoration: none;
        border-bottom: 1px solid #e9ecef;
        transition: all 0.3s ease;
    }
    .toc-link:last-child {
        border-bottom: none;
    }
    .toc-link:hover {
        color: #0f1f7a;
        padding-left: 0.5rem;
    }
    .important-box {
        background: #fff3cd;
        border-left: 4px solid #ffc107;
        border-radius: 0 10px 10px 0;
        padding: 1.5rem;
        margin: 1.5rem 0;
    }
    .last-updated {
        background: #f8f9fa;
        border-radius: 10px;
        padding: 1rem;
        text-align: center;
        margin-bottom: 2rem;
    }