.page-disclaimer {
  background: var(--sky);
  color: var(--ink);
  font-family: var(--font-body);
  line-height: 1.7;
}

.page-disclaimer .disclaim-hero {
  position: relative;
  display: flex;
  align-items: center;
  min-height: 320px;
  overflow: hidden;
  background: var(--navy);
  color: var(--white);
}

.page-disclaimer .disclaim-hero-media {
  position: absolute;
  inset: 0;
}

.page-disclaimer .disclaim-hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  opacity: 0.28;
}

.page-disclaimer .disclaim-hero-inner {
  position: relative;
  z-index: 1;
  padding: 72px 0 56px;
}

.page-disclaimer .breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 18px;
  font-size: 13px;
  letter-spacing: 0.04em;
  color: var(--muted);
}

.page-disclaimer .breadcrumb a {
  color: var(--green);
  font-weight: 600;
  text-decoration: none;
}

.page-disclaimer .breadcrumb-sep {
  color: var(--muted);
}

.page-disclaimer .disclaim-hero .page-kicker {
  margin: 0 0 8px;
  font-family: var(--font-head);
  font-size: 15px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--green);
}

.page-disclaimer .disclaim-hero .page-title {
  margin: 0 0 16px;
  font-family: var(--font-head);
  font-size: clamp(40px, 8vw, 76px);
  line-height: 0.98;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--white);
}

.page-disclaimer .disclaim-hero .lead {
  max-width: 720px;
  margin: 0;
  font-size: 16px;
  color: var(--gray);
}

.page-disclaimer .disclaim-index {
  position: relative;
  z-index: 3;
  border-block: 3px solid var(--navy);
  background: var(--green);
}

.page-disclaimer .disclaim-index-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: rgba(10, 30, 63, 0.18);
}

.page-disclaimer .disclaim-index-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 12px;
  background: var(--green);
  color: var(--navy);
  font-size: 15px;
  font-weight: 700;
  text-decoration: none;
  transition: background var(--speed) var(--ease), color var(--speed) var(--ease);
}

.page-disclaimer .disclaim-index-item:hover,
.page-disclaimer .disclaim-index-item:focus-visible {
  background: var(--navy);
  color: var(--green);
}

.page-disclaimer .disclaim-index-item:last-child {
  grid-column: span 2;
}

.page-disclaimer .disclaim-index-num {
  font-family: var(--font-head);
  font-size: 26px;
  line-height: 1;
  letter-spacing: 0.02em;
}

.page-disclaimer .disclaim-cards {
  display: grid;
  gap: 22px;
  padding-block: 40px 48px;
}

.page-disclaimer .term-card {
  padding: 24px;
  background: var(--white);
  border: 3px solid var(--navy);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.page-disclaimer .term-card-danger {
  border-color: var(--red);
  background: #FFF7F4;
  box-shadow: 8px 8px 0 rgba(255, 69, 0, 0.15);
}

.page-disclaimer .term-card-head {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 14px;
}

.page-disclaimer .term-card-icon {
  display: flex;
  flex: 0 0 52px;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--green);
  box-shadow: 4px 4px 0 rgba(10, 30, 63, 0.15);
}

.page-disclaimer .term-card-icon svg {
  width: 28px;
  height: 28px;
}

.page-disclaimer .term-card-danger .term-card-icon {
  background: var(--red);
  color: var(--white);
  box-shadow: 4px 4px 0 rgba(255, 69, 0, 0.15);
}

.page-disclaimer .term-card-meta {
  display: flex;
  flex-direction: column;
}

.page-disclaimer .term-card-no {
  font-family: var(--font-head);
  font-size: 13px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
}

.page-disclaimer .term-card-danger .term-card-no {
  color: var(--red);
}

.page-disclaimer .term-card h2 {
  margin: 2px 0 0;
  font-family: var(--font-head);
  font-size: 30px;
  line-height: 1.1;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--navy);
}

.page-disclaimer .term-card-danger h2 {
  color: var(--red);
}

.page-disclaimer .term-card-content p {
  margin: 0 0 12px;
}

.page-disclaimer .term-list {
  margin: 14px 0 0;
  padding: 0;
  list-style: none;
}

.page-disclaimer .term-list li {
  position: relative;
  margin: 10px 0;
  padding-left: 24px;
}

.page-disclaimer .term-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.66em;
  width: 9px;
  height: 9px;
  transform: rotate(45deg);
  background: var(--navy);
}

.page-disclaimer .term-card-danger .term-list li::before {
  background: var(--red);
}

.page-disclaimer .term-card .term-list strong {
  color: var(--navy);
}

.page-disclaimer .term-alert-text {
  padding: 10px 14px;
  border-left: 4px solid var(--red);
  background: rgba(255, 69, 0, 0.08);
  color: var(--red);
  font-weight: 600;
}

.page-disclaimer .term-more {
  margin-top: 16px;
  padding-top: 12px;
  border-top: 2px dashed var(--muted);
}

.page-disclaimer .term-more summary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  list-style: none;
  font-weight: 700;
  color: var(--navy);
}

.page-disclaimer .term-more summary::-webkit-details-marker {
  display: none;
}

.page-disclaimer .term-more summary::before {
  content: "";
  width: 8px;
  height: 8px;
  border-right: 2px solid var(--navy);
  border-bottom: 2px solid var(--navy);
  transform: rotate(-45deg);
  transition: transform var(--speed) var(--ease);
}

.page-disclaimer .term-more[open] summary::before {
  transform: rotate(45deg);
}

.page-disclaimer .term-more div {
  margin-top: 10px;
  padding: 12px 14px;
  border-left: 4px solid var(--green);
  background: var(--sky);
  color: var(--ink);
  font-size: 14px;
}

.page-disclaimer .term-card-danger .term-more summary {
  color: var(--red);
}

.page-disclaimer .term-card-danger .term-more summary::before {
  border-color: var(--red);
}

.page-disclaimer .term-stat-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin: 18px 0 0;
}

.page-disclaimer .term-stat {
  display: flex;
  flex-direction: column;
  padding: 16px 14px;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--white);
  box-shadow: 4px 4px 0 rgba(10, 30, 63, 0.15);
}

.page-disclaimer .term-stat-num {
  font-family: var(--font-head);
  font-size: 34px;
  line-height: 1;
  color: var(--green);
}

.page-disclaimer .term-stat-label {
  margin-top: 6px;
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}

.page-disclaimer .term-footnote {
  margin-top: 14px;
  font-size: 14px;
}

.page-disclaimer .disclaim-help {
  position: relative;
  overflow: hidden;
  background: var(--navy);
}

.page-disclaimer .disclaim-help::before {
  content: "";
  position: absolute;
  width: 320px;
  height: 320px;
  transform: rotate(-12deg) translate(-40px, -140px);
  background: var(--green);
  opacity: 0.08;
}

.page-disclaimer .disclaim-help-inner {
  position: relative;
  z-index: 1;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 36px 0 28px;
}

.page-disclaimer .disclaim-help h2 {
  margin: 0 0 6px;
  font-family: var(--font-head);
  font-size: 32px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--white);
}

.page-disclaimer .disclaim-help p {
  max-width: 720px;
  margin: 0;
  color: var(--gray);
}

.page-disclaimer .disclaim-help a {
  color: var(--green);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.page-disclaimer .disclaim-help .btn {
  text-decoration: none;
}

@media (min-width: 860px) {
  .page-disclaimer .disclaim-hero {
    min-height: 440px;
  }

  .page-disclaimer .disclaim-hero-img {
    opacity: 0.4;
    object-position: center 40%;
  }

  .page-disclaimer .disclaim-index-grid {
    grid-template-columns: repeat(5, 1fr);
  }

  .page-disclaimer .disclaim-index-item:last-child {
    grid-column: auto;
  }

  .page-disclaimer .disclaim-cards {
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
    padding-block: 56px 64px;
  }

  .page-disclaimer .term-card-wide {
    grid-column: 1 / -1;
  }

  .page-disclaimer .term-card {
    padding: 32px;
  }

  .page-disclaimer .term-stat-row {
    grid-template-columns: repeat(4, 1fr);
  }

  .page-disclaimer .disclaim-help-inner {
    padding: 44px 0 36px;
  }
}