/* =================================================================
   HVB TERMS & CONDITIONS (redesign)
   Scoped under .hvb-terms-and-conditions + strip
   ================================================================= */

.hvb-terms-and-conditions {
    --forest: #1a3a2e;
    --forest-mid: #2a5d3a;
    --forest-light: #3a6d4a;
    --forest-lighter: #85b67c;
    --forest-deep: #0f2a1f;

    --gold: #d4af37;
    --gold-light: #f4e061;
    --gold-dark: #b8960c;
    --gold-soft: #e8c873;

    --cream: #fff9e6;
    --cream-dark: #fff3cd;
    --bone: #f5ecd7;

    --text-dark: #1a1a1a;
    --text-muted: #555555;
    --text-light: #737373;

    --warn: #a94c2a;
    --warn-bg: #fff3e6;

    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.08);
    --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.12);
    --shadow-lg: 0 16px 48px rgba(0, 0, 0, 0.15);

    --t: 0.3s cubic-bezier(0.16, 1, 0.3, 1);
    --t-fast: 0.18s ease;

    --font-display: 'Cinzel', Georgia, serif;
    --font-body: 'Montserrat', -apple-system, BlinkMacSystemFont, sans-serif;

    --accent: var(--gold);
    --accent-2: var(--gold-soft);
    --surface: var(--cream);
    --surface-2: var(--cream-dark);
    --page-bg-a: var(--forest);
    --page-bg-b: var(--forest-mid);

    color: var(--text-dark);
    font-family: var(--font-body);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
}
.hvb-terms-and-conditions img { max-width: 100%; display: block; }
.hvb-terms-and-conditions a { color: inherit; }

.hvb-terms-and-conditions .display {
    font-family: var(--font-display);
    font-weight: 700;
    letter-spacing: 0.02em;
    line-height: 1.15;
}

/* ---------------- TOP STRIP ----------------------------------- */
.hvb-terms-top-strip {
    background: #0f2a1f;
    color: #e8c873;
    font-family: 'Montserrat', sans-serif;
    font-size: 0.78rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    padding: 10px 16px;
    text-align: center;
    font-weight: 600;
    border-bottom: 1px solid rgba(212, 175, 55, 0.15);
}
.hvb-terms-top-strip span + span { margin-left: 28px; position: relative; }
.hvb-terms-top-strip span + span::before {
    content: "";
    position: absolute;
    left: -16px; top: 50%;
    width: 3px; height: 3px;
    border-radius: 50%;
    background: #d4af37;
    transform: translateY(-50%);
    opacity: 0.6;
}
@media (max-width: 640px) {
    .hvb-terms-top-strip span + span { display: block; margin-left: 0; margin-top: 4px; }
    .hvb-terms-top-strip span + span::before { display: none; }
}

/* ---------------- REVEAL --------------------------------------- */
html.hvb-reveal-ready .hvb-terms-and-conditions .reveal {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.6s ease, transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}
.hvb-terms-and-conditions .reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
    .hvb-terms-and-conditions .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------------- EYEBROW & BUTTONS --------------------------- */
.hvb-terms-and-conditions .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--accent);
    padding: 7px 16px 7px 12px;
    border: 1px solid rgba(212, 175, 55, 0.4);
    background: rgba(212, 175, 55, 0.08);
    border-radius: 100px;
    margin-bottom: 20px;
}
.hvb-terms-and-conditions .eyebrow .dot {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--accent);
    box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.2);
}
.hvb-terms-and-conditions .eyebrow-on-light {
    color: var(--forest-mid);
    background: rgba(42, 93, 58, 0.08);
    border-color: rgba(42, 93, 58, 0.3);
}
.hvb-terms-and-conditions .eyebrow-on-light .dot {
    background: var(--forest-mid);
    box-shadow: 0 0 0 3px rgba(42, 93, 58, 0.18);
}

.hvb-terms-and-conditions .btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 15px 28px;
    border-radius: 100px;
    font-weight: 600;
    font-size: 0.95rem;
    text-decoration: none;
    border: none;
    cursor: pointer;
    transition: transform var(--t-fast), box-shadow var(--t-fast), background var(--t-fast), color var(--t-fast), border-color var(--t-fast);
}
.hvb-terms-and-conditions .btn-primary {
    background: var(--accent);
    color: var(--forest-deep);
    box-shadow: 0 8px 28px rgba(212, 175, 55, 0.3);
}
.hvb-terms-and-conditions .btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 36px rgba(212, 175, 55, 0.45);
    background: var(--accent-2);
}
.hvb-terms-and-conditions .btn-ghost {
    background: transparent;
    color: #fff;
    border: 1.5px solid rgba(255, 255, 255, 0.25);
}
.hvb-terms-and-conditions .btn-ghost:hover { border-color: var(--accent); color: var(--accent); }

/* ---------------- HERO (compact) ------------------------------ */
.hvb-terms-and-conditions .hero {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(ellipse 60% 80% at 80% 45%, rgba(212, 175, 55, 0.12) 0%, transparent 55%),
        radial-gradient(ellipse 40% 60% at 10% 75%, rgba(212, 175, 55, 0.06) 0%, transparent 50%),
        linear-gradient(160deg, var(--page-bg-a) 0%, var(--page-bg-b) 55%, var(--page-bg-a) 100%);
    padding: 80px 24px 80px;
    color: #fff;
    text-align: center;
}
.hvb-terms-and-conditions .hero.compact .hero-inner {
    max-width: 820px;
    margin: 0 auto;
    position: relative;
    z-index: 2;
}
.hvb-terms-and-conditions .hero h1 {
    font-size: clamp(2.4rem, 5vw, 4rem);
    color: #fff;
    margin: 0 0 20px;
}
.hvb-terms-and-conditions .hero h1 em {
    font-style: normal;
    color: var(--accent);
    position: relative;
    display: inline-block;
}
.hvb-terms-and-conditions .hero h1 em::after {
    content: "";
    position: absolute;
    left: 0; right: 0; bottom: -6px;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--accent), transparent);
    opacity: 0.5;
}
.hvb-terms-and-conditions .hero-lede {
    font-size: clamp(1rem, 1.4vw, 1.15rem);
    color: rgba(255, 255, 255, 0.82);
    max-width: 620px;
    margin: 0 auto 28px;
    line-height: 1.7;
}
.hvb-terms-and-conditions .hero-meta {
    display: inline-flex;
    gap: 12px;
    flex-wrap: wrap;
    justify-content: center;
}
.hvb-terms-and-conditions .meta-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 14px;
    border-radius: 100px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(212, 175, 55, 0.25);
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.8rem;
    font-weight: 500;
}
.hvb-terms-and-conditions .meta-pill svg { width: 14px; height: 14px; color: var(--accent); }
.hvb-terms-and-conditions .meta-pill.age {
    background: rgba(169, 76, 42, 0.2);
    border-color: rgba(232, 200, 115, 0.45);
    color: var(--gold-soft);
}

/* ---------------- LEGAL BODY --------------------------------- */
.hvb-terms-and-conditions .legal {
    background: linear-gradient(180deg, var(--surface) 0%, var(--surface-2) 100%);
}
.hvb-terms-and-conditions .legal-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 96px 24px;
    display: grid;
    grid-template-columns: 280px 1fr;
    gap: 56px;
    align-items: start;
}
@media (max-width: 960px) {
    .hvb-terms-and-conditions .legal-inner { grid-template-columns: 1fr; gap: 40px; padding: 64px 20px; }
}

/* ---------------- TOC --------------------------------------- */
.hvb-terms-and-conditions .toc {
    position: sticky;
    top: 96px;
    background: #fff;
    border-radius: 18px;
    padding: 26px;
    box-shadow: 0 8px 24px rgba(26, 58, 46, 0.08);
    border: 1px solid rgba(26, 58, 46, 0.08);
}
@media (max-width: 960px) {
    .hvb-terms-and-conditions .toc { position: static; }
}
.hvb-terms-and-conditions .toc-head { margin-bottom: 14px; }
.hvb-terms-and-conditions .toc-head .eyebrow { margin-bottom: 0; }
.hvb-terms-and-conditions .toc-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 2px;
}
.hvb-terms-and-conditions .toc-list li a {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 10px 12px;
    border-radius: 10px;
    color: var(--forest-deep);
    text-decoration: none;
    font-size: 0.88rem;
    font-weight: 500;
    transition: background var(--t-fast), color var(--t-fast), transform var(--t-fast);
}
.hvb-terms-and-conditions .toc-list li a:hover {
    background: rgba(42, 93, 58, 0.06);
    color: var(--forest-mid);
    transform: translateX(3px);
}
.hvb-terms-and-conditions .toc-num {
    font-family: var(--font-display);
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--accent);
    letter-spacing: 0.05em;
    min-width: 22px;
}

/* ---------------- LEGAL CARDS ------------------------------- */
.hvb-terms-and-conditions .legal-body {
    display: flex;
    flex-direction: column;
    gap: 22px;
}
.hvb-terms-and-conditions .legal-card {
    background: #fff;
    border-radius: 20px;
    padding: 42px 44px;
    border: 1px solid rgba(26, 58, 46, 0.08);
    box-shadow: 0 8px 24px rgba(26, 58, 46, 0.06);
    scroll-margin-top: 96px;
}
.hvb-terms-and-conditions .legal-card h2 {
    font-size: clamp(1.4rem, 2.4vw, 1.85rem);
    color: var(--forest-deep);
    margin: 0 0 18px;
    padding-bottom: 14px;
    border-bottom: 2px solid var(--forest-mid);
    display: flex;
    align-items: baseline;
    gap: 14px;
}
.hvb-terms-and-conditions .sec-num {
    font-family: var(--font-display);
    color: var(--accent);
    font-size: 0.95rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    background: rgba(212, 175, 55, 0.1);
    border: 1px solid rgba(212, 175, 55, 0.3);
    padding: 4px 10px;
    border-radius: 6px;
    flex-shrink: 0;
}
.hvb-terms-and-conditions .legal-card h3 {
    font-family: var(--font-display);
    font-size: 1.05rem;
    color: var(--forest-mid);
    margin: 24px 0 10px;
    letter-spacing: 0.02em;
}
.hvb-terms-and-conditions .legal-card p {
    color: var(--text-dark);
    font-size: 0.98rem;
    line-height: 1.8;
    margin: 0 0 14px;
}
.hvb-terms-and-conditions .legal-card ul {
    padding: 0 0 0 22px;
    margin: 0 0 16px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.hvb-terms-and-conditions .legal-card li {
    color: var(--text-dark);
    font-size: 0.96rem;
    line-height: 1.7;
}
.hvb-terms-and-conditions .legal-card li::marker {
    color: var(--accent);
}
.hvb-terms-and-conditions .legal-card strong {
    color: var(--forest-deep);
    font-weight: 700;
}
.hvb-terms-and-conditions .legal-card a:not(.contact-cta) {
    color: var(--forest-mid);
    text-decoration: underline;
    text-decoration-color: rgba(42, 93, 58, 0.3);
    text-underline-offset: 3px;
    transition: text-decoration-color var(--t-fast);
}
.hvb-terms-and-conditions .legal-card a:not(.contact-cta):hover {
    text-decoration-color: var(--forest-mid);
}

/* ---------------- HIGHLIGHT (disclaimers) -------------------- */
.hvb-terms-and-conditions .legal-card.highlight {
    border-color: rgba(212, 175, 55, 0.4);
    background: #fffdf4;
}
.hvb-terms-and-conditions .callout {
    background: var(--warn-bg);
    border: 1px solid rgba(169, 76, 42, 0.18);
    border-radius: 12px;
    padding: 20px 22px;
    margin: 0 0 18px;
}
.hvb-terms-and-conditions .callout-title {
    font-family: var(--font-display);
    font-weight: 700;
    color: var(--warn);
    font-size: 0.95rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 8px;
}
.hvb-terms-and-conditions .callout p {
    margin: 0;
    font-size: 0.95rem;
    color: var(--text-dark);
    line-height: 1.7;
}

@media (max-width: 760px) {
    .hvb-terms-and-conditions .legal-card { padding: 28px 24px; }
    .hvb-terms-and-conditions .legal-card h2 { flex-wrap: wrap; }
}

/* ---------------- CONTACT ROW ------------------------------- */
.hvb-terms-and-conditions .contact-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 22px;
    padding-top: 22px;
    border-top: 1px solid rgba(26, 58, 46, 0.08);
    align-items: stretch;
}
.hvb-terms-and-conditions .contact-block {
    padding: 22px 24px;
    background: var(--surface);
    border-radius: 14px;
    border: 1px solid rgba(26, 58, 46, 0.08);
    display: flex;
    flex-direction: column;
    gap: 10px;
    min-height: 200px;
}
.hvb-terms-and-conditions .contact-note {
    color: var(--text-muted);
    font-size: 0.88rem;
    line-height: 1.55;
    margin: 0;
}
.hvb-terms-and-conditions .contact-cta {
    display: inline-flex;
    white-space: nowrap;
    align-items: center;
    gap: 8px;
    align-self: flex-start;
    margin-top: auto;
    padding: 10px 18px;
    border-radius: 100px;
    background: var(--forest-mid);
    color: #fff !important;
    text-decoration: none !important;
    font-size: 0.85rem;
    font-weight: 600;
    transition: transform var(--t-fast), background var(--t-fast), box-shadow var(--t-fast);
}
.hvb-terms-and-conditions .contact-cta:hover {
    background: var(--forest-deep);
    transform: translateY(-1px);
    box-shadow: 0 6px 16px rgba(26, 58, 46, 0.18);
    color: #fff !important;
}
.hvb-terms-and-conditions .contact-label {
    color: var(--forest-mid);
    font-size: 0.72rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    font-weight: 700;
    margin-bottom: 6px;
}
.hvb-terms-and-conditions .contact-val {
    color: var(--forest-deep);
    font-size: 0.95rem;
    font-weight: 500;
    text-decoration: none;
    line-height: 1.6;
}
@media (max-width: 900px) {
    .hvb-terms-and-conditions .contact-row { grid-template-columns: 1fr; }
    .hvb-terms-and-conditions .contact-block { min-height: auto; }
}

/* ---------------- SECTION DIVIDER ---------------------------- */
.hvb-terms-and-conditions .section-divider {
    background: var(--forest-deep);
    padding: 24px;
}
.hvb-terms-and-conditions .section-divider-inner {
    max-width: 1280px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 20px;
}
.hvb-terms-and-conditions .section-divider-line {
    flex: 1;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(212, 175, 55, 0.35), transparent);
}
.hvb-terms-and-conditions .section-divider-mark {
    font-family: var(--font-display);
    color: var(--accent);
    font-size: 0.85rem;
    letter-spacing: 0.3em;
}

/* ---------------- FINAL CTA ---------------------------------- */
.hvb-terms-and-conditions .final-cta {
    background:
        radial-gradient(ellipse 60% 80% at 20% 50%, rgba(212, 175, 55, 0.15) 0%, transparent 60%),
        linear-gradient(160deg, var(--forest-deep) 0%, var(--forest) 100%);
    color: #fff;
}
.hvb-terms-and-conditions .final-cta-inner {
    max-width: 900px;
    margin: 0 auto;
    padding: 96px 24px;
    text-align: center;
}
.hvb-terms-and-conditions .final-cta h2 {
    font-size: clamp(2rem, 4vw, 3rem);
    color: #fff;
    margin: 0 0 16px;
}
.hvb-terms-and-conditions .final-cta h2 em { font-style: normal; color: var(--accent); }
.hvb-terms-and-conditions .final-cta p {
    color: rgba(255, 255, 255, 0.78);
    font-size: 1rem;
    max-width: 560px;
    margin: 0 auto 24px;
}
.hvb-terms-and-conditions .final-cta-row {
    display: inline-flex;
    gap: 14px;
    flex-wrap: wrap;
    justify-content: center;
}
@media (max-width: 640px) {
    .hvb-terms-and-conditions .final-cta-inner { padding: 72px 20px; }
}

/* ---------------- BACK TO TOP -------------------------------- */
.hvb-terms-and-conditions .hvb-back-to-top {
    position: fixed;
    bottom: 22px;
    right: 22px;
    z-index: 60;
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 10px 14px 10px 12px;
    border-radius: 100px;
    background: var(--forest-deep);
    color: var(--accent);
    font-family: var(--font-body);
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    text-decoration: none;
    border: 1px solid rgba(212, 175, 55, 0.45);
    box-shadow: 0 10px 28px rgba(0, 0, 0, 0.28), 0 0 0 4px rgba(15, 42, 31, 0.08);
    transition: transform var(--t-fast), background var(--t-fast), color var(--t-fast);
}
.hvb-terms-and-conditions .hvb-back-to-top svg { width: 14px; height: 14px; }
.hvb-terms-and-conditions .hvb-back-to-top:hover {
    background: var(--accent);
    color: var(--forest-deep);
    transform: translateY(-2px);
}
@media (max-width: 640px) {
    .hvb-terms-and-conditions .hvb-back-to-top {
        bottom: 14px;
        right: 14px;
        padding: 8px 12px 8px 10px;
        font-size: 0.66rem;
        gap: 5px;
    }
    .hvb-terms-and-conditions .hvb-back-to-top svg { width: 12px; height: 12px; }
}

/* ---------------- FAIL-SAFE: always-visible reveal content ---- */
.hvb-terms-and-conditions .reveal { opacity: 1 !important; transform: none !important; }
/* Direction D mobile fix: let cookie tables scroll inside their cards */
.hvb-terms-and-conditions .legal-inner > * { min-width: 0; }