.page-disclaimer {
  position: relative;
  background: #ffffff;
  color: #4b5563;
  overflow-x: hidden;
}

.page-disclaimer__watermark {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}

.page-disclaimer__watermark-img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.045;
}

.page-disclaimer__hero,
.page-disclaimer__layout {
  position: relative;
  z-index: 1;
}

.page-disclaimer__hero {
  padding: 36px 20px 24px;
}

.page-disclaimer .breadcrumbs {
  margin-bottom: 18px;
  font-size: 13px;
  color: var(--c-text-secondary);
}

.page-disclaimer .breadcrumbs a {
  color: var(--c-text-secondary);
  text-decoration: none;
  font-weight: 500;
}

.page-disclaimer .breadcrumbs a:hover {
  color: var(--c-primary-dark);
}

.page-disclaimer__route {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 14px;
  padding: 6px 12px;
  background: rgba(0, 200, 83, 0.1);
  color: var(--c-primary-dark);
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
}

.page-disclaimer__title {
  margin: 0 0 12px;
  font-family: var(--font-heading);
  font-size: clamp(28px, 5vw, 44px);
  line-height: 1.15;
  font-weight: 900;
  color: var(--c-navy);
  letter-spacing: -0.02em;
}

.page-disclaimer__lead {
  max-width: 720px;
  margin: 0;
  font-size: 15px;
  line-height: 1.8;
  color: #4b5563;
}

.page-disclaimer__layout {
  max-width: 920px;
  margin-left: auto;
  margin-right: auto;
  padding: 0 20px 56px;
}

.page-disclaimer__index-card {
  margin-bottom: 32px;
  padding: 20px;
  background: var(--c-bg-light);
  border: 1px solid var(--c-divider);
  border-radius: var(--radius-lg);
}

.page-disclaimer__index-title {
  margin: 0 0 4px;
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--c-navy);
}

.page-disclaimer__index-note {
  margin: 0 0 14px;
  font-size: 13px;
  color: var(--c-text-secondary);
}

.page-disclaimer__toc {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 10px;
}

.page-disclaimer__toc-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  background: #ffffff;
  border: 1px solid var(--c-divider);
  border-radius: var(--radius-md);
  color: var(--c-navy);
  text-decoration: none;
  font-weight: 700;
  font-size: 14px;
  transition: border-color 0.2s, background 0.2s, transform 0.2s;
}

.page-disclaimer__toc-link:hover {
  border-color: var(--c-primary);
  background: rgba(0, 200, 83, 0.05);
  transform: translateY(-2px);
}

.page-disclaimer__toc-num {
  flex: 0 0 30px;
  width: 30px;
  height: 30px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--c-primary);
  color: #ffffff;
  border-radius: 50%;
  font-size: 12px;
  font-weight: 800;
}

.page-disclaimer__body {
  border-top: 1px solid var(--c-divider);
}

.page-disclaimer__section {
  padding: 28px 0 32px;
  border-bottom: 1px solid var(--c-divider);
  scroll-margin-top: 120px;
  transition: background 0.2s;
}

.page-disclaimer__section-title {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 0 0 16px;
  font-family: var(--font-heading);
  font-size: 22px;
  line-height: 1.3;
  font-weight: 800;
  color: var(--c-navy);
}

.page-disclaimer__section-num {
  flex: 0 0 42px;
  width: 42px;
  height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--c-primary);
  color: #ffffff;
  border-radius: 50%;
  font-size: 14px;
  font-weight: 800;
  transition: background 0.2s, transform 0.2s;
}

.page-disclaimer__section:hover .page-disclaimer__section-num {
  background: var(--c-primary-dark);
  transform: rotate(-6deg);
}

.page-disclaimer__section-link {
  color: inherit;
  text-decoration: none;
}

.page-disclaimer__section-link:hover {
  color: var(--c-primary-dark);
}

.page-disclaimer__section-body p {
  margin: 0 0 12px;
  font-size: 15px;
  line-height: 1.8;
  color: #4b5563;
}

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

.page-disclaimer__clause {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 4px;
  border-bottom: 1px solid var(--c-divider);
  transition: background 0.15s;
}

.page-disclaimer__clause:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.page-disclaimer__clause:hover {
  background: rgba(0, 200, 83, 0.03);
}

.page-disclaimer__clause-marker {
  flex: 0 0 32px;
  width: 32px;
  height: 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(0, 200, 83, 0.1);
  color: var(--c-primary-dark);
  border-radius: 50%;
  font-size: 12px;
  font-weight: 800;
  transition: background 0.2s, color 0.2s, transform 0.2s;
}

.page-disclaimer__clause:hover .page-disclaimer__clause-marker {
  background: var(--c-primary);
  color: #ffffff;
  transform: scale(1.06);
}

.page-disclaimer__clause-text {
  flex: 1;
  min-width: 0;
}

.page-disclaimer__clause-text strong {
  display: block;
  margin-bottom: 2px;
  font-size: 15px;
  font-weight: 700;
  color: var(--c-navy);
}

.page-disclaimer__clause-text p {
  margin: 0;
  font-size: 14px;
  line-height: 1.75;
  color: var(--c-text-secondary);
}

.page-disclaimer__clause-text a {
  color: var(--c-primary-dark);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.page-disclaimer__related {
  margin-top: 36px;
  padding: 22px;
  background: var(--c-navy);
  border-radius: var(--radius-lg);
  color: rgba(255, 255, 255, 0.85);
}

.page-disclaimer__related-title {
  margin: 0 0 6px;
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: #ffffff;
}

.page-disclaimer__related-note {
  margin: 0 0 14px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.65);
}

.page-disclaimer__related-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 10px;
}

.page-disclaimer__related-link {
  color: var(--c-score);
  text-decoration: none;
  font-weight: 600;
}

.page-disclaimer__related-link:hover {
  color: #ffffff;
  text-decoration: underline;
}

@media (min-width: 640px) {
  .page-disclaimer__hero {
    padding-top: 48px;
    padding-bottom: 32px;
  }

  .page-disclaimer__layout {
    padding-left: 24px;
    padding-right: 24px;
    padding-bottom: 72px;
  }

  .page-disclaimer__toc {
    grid-template-columns: repeat(2, 1fr);
  }

  .page-disclaimer__section {
    padding-top: 36px;
    padding-bottom: 40px;
  }

  .page-disclaimer__section-title {
    font-size: 24px;
  }

  .page-disclaimer__related {
    padding: 28px;
  }
}

@media (min-width: 1024px) {
  .page-disclaimer__hero {
    padding-top: 64px;
  }

  .page-disclaimer__index-card {
    padding: 24px;
  }
}