.page-disclaimer {
  --tc-panel-top: rgba(253, 240, 216, 0.92);
  --tc-panel-bottom: rgba(251, 248, 242, 0.6);
  --tc-soft-line: rgba(31, 58, 46, 0.14);
  padding-block: clamp(100px, 14vw, 136px) clamp(64px, 9vw, 104px);
  background:
    radial-gradient(120% 78% at 88% 0%, rgba(248, 212, 147, 0.45), transparent 62%),
    radial-gradient(90% 60% at 0% 100%, rgba(253, 240, 216, 0.7), transparent 70%),
    var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  overflow-x: hidden;
}

.page-disclaimer .breadcrumb {
  margin-bottom: 20px;
}

.page-disclaimer .terms-hero {
  display: grid;
  gap: 28px;
  align-items: center;
  padding-block: 8px 40px;
}

.page-disclaimer .terms-hero-copy .eyebrow {
  margin-bottom: 12px;
}

.page-disclaimer .terms-hero-copy .display {
  margin: 0 0 18px;
  font-family: var(--font-display);
  font-size: clamp(40px, 9vw, 88px);
  line-height: 1.06;
  letter-spacing: -0.02em;
  color: var(--pine);
}

.page-disclaimer .terms-hero-copy .lede {
  max-width: 34em;
  margin: 0 0 14px;
  font-size: clamp(16px, 2.2vw, 19px);
  line-height: 1.7;
  color: var(--pine-mid);
}

.page-disclaimer .terms-hero-copy .prose {
  max-width: 36em;
  margin: 0;
  font-size: 15px;
  line-height: 1.8;
  color: var(--muted);
}

.page-disclaimer .terms-hero-media {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid var(--tc-soft-line);
  background: linear-gradient(140deg, var(--peach) 0%, var(--amber-soft) 100%);
}

.page-disclaimer .terms-hero-media img {
  display: block;
  max-width: 100%;
  width: 100%;
  height: auto;
  aspect-ratio: 2 / 1;
  object-fit: cover;
  filter: saturate(0.94) contrast(1.02);
}

.page-disclaimer .terms-index {
  margin-bottom: 12px;
}

.page-disclaimer .clause-index {
  border-radius: var(--r-md);
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.66);
  padding: 6px;
  backdrop-filter: blur(2px);
}

.page-disclaimer .clause-index-summary {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: var(--r-pill);
  cursor: pointer;
  list-style: none;
}

.page-disclaimer .clause-index-summary::-webkit-details-marker {
  display: none;
}

.page-disclaimer .clause-index-hint {
  font-size: 13px;
  line-height: 1.5;
  color: var(--muted);
}

.page-disclaimer .clause-index-summary::after {
  content: "";
  flex: none;
  width: 8px;
  height: 8px;
  margin-left: auto;
  border-right: 2px solid var(--pine-mid);
  border-bottom: 2px solid var(--pine-mid);
  transform: rotate(45deg);
  transition: transform 240ms ease-out;
}

.page-disclaimer .clause-index[open] .clause-index-summary::after {
  transform: rotate(-135deg);
}

.page-disclaimer .clause-index-list {
  list-style: none;
  margin: 8px 0 0;
  padding: 4px 6px 10px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.page-disclaimer .clause-index-list a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 16px;
  border-radius: var(--r-pill);
  border: 1px solid var(--line);
  background: rgba(253, 240, 216, 0.62);
  color: var(--pine);
  font-size: 14px;
  text-decoration: none;
  transition: background 180ms ease-out, border-color 180ms ease-out, transform 180ms ease-out;
}

.page-disclaimer .clause-index-list a:hover {
  background: var(--amber-soft);
  border-color: var(--pine-mid);
  transform: translateY(-2px);
}

.page-disclaimer .clause-index-list a:focus-visible,
.page-disclaimer .terms-cta-btn:focus-visible,
.page-disclaimer .terms-links a:focus-visible,
.page-disclaimer .terms-hero-copy a:focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 2px;
}

.page-disclaimer .idx-num {
  font-family: var(--font-mono);
  font-size: 12px;
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.04em;
  color: var(--pine-mid);
}

.page-disclaimer .terms-body {
  display: grid;
  gap: 0;
}

.page-disclaimer .clause-block {
  padding-block: 30px;
  border-top: 1px solid var(--line);
  scroll-margin-top: 120px;
}

.page-disclaimer .clause-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}

.page-disclaimer .clause-head .num-badge {
  flex: none;
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
  background: var(--pine);
  color: var(--amber);
}

.page-disclaimer .clause-title {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(22px, 4.4vw, 30px);
  line-height: 1.3;
  letter-spacing: -0.01em;
  color: var(--pine);
}

.page-disclaimer .clause-panel {
  border-radius: var(--r-md);
  border: 1px solid var(--tc-soft-line);
  background: linear-gradient(180deg, var(--tc-panel-top) 0%, var(--tc-panel-bottom) 100%);
  padding: 20px 18px 10px;
}

.page-disclaimer .clause-lede {
  margin: 0 0 16px;
  max-width: 36em;
  font-size: 15px;
  line-height: 1.75;
  color: var(--pine-mid);
}

.page-disclaimer .clause-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.page-disclaimer .clause-item {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 12px;
  padding-bottom: 14px;
  margin-bottom: 14px;
  border-bottom: 1px dashed var(--line-strong);
}

.page-disclaimer .clause-item:last-child {
  border-bottom: 0;
  margin-bottom: 0;
  padding-bottom: 8px;
}

.page-disclaimer .clause-num {
  display: inline-grid;
  place-items: center;
  min-width: 36px;
  height: 22px;
  padding-inline: 6px;
  border-radius: var(--r-pill);
  border: 1px solid var(--line-strong);
  background: rgba(255, 255, 255, 0.8);
  font-family: var(--font-mono);
  font-size: 12px;
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.04em;
  color: var(--pine);
}

.page-disclaimer .clause-text {
  font-size: 15px;
  line-height: 1.75;
  color: var(--ink-soft);
}

.page-disclaimer .clause-text strong {
  font-family: var(--font-mono);
  font-weight: 600;
  font-variant-numeric: tabular-nums;
  color: var(--pine);
  background: linear-gradient(180deg, transparent 62%, rgba(242, 184, 75, 0.42) 62%);
  padding-inline: 2px;
}

.page-disclaimer .terms-cta {
  margin-top: 40px;
  border-radius: var(--r-lg);
  padding: 28px 22px;
  display: grid;
  gap: 18px;
  background: linear-gradient(135deg, var(--amber) 0%, var(--amber-soft) 62%, var(--peach) 100%);
  border: 1px solid rgba(31, 58, 46, 0.18);
}

.page-disclaimer .terms-cta-title {
  margin: 0 0 6px;
  font-family: var(--font-display);
  font-size: clamp(20px, 3.6vw, 26px);
  line-height: 1.35;
  color: var(--pine-deep);
}

.page-disclaimer .terms-cta-sub {
  margin: 0;
  font-size: 15px;
  line-height: 1.7;
  color: var(--pine);
}

.page-disclaimer .terms-cta-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  justify-self: start;
  gap: 8px;
  padding: 14px 26px;
  border-radius: var(--r-pill);
  background: var(--pine);
  color: var(--peach);
  font-size: 15px;
  letter-spacing: 0.02em;
  text-decoration: none;
  transition: background 180ms ease-out, transform 180ms ease-out;
}

.page-disclaimer .terms-cta-btn:hover {
  background: var(--pine-deep);
  transform: translateY(-2px);
}

.page-disclaimer .terms-links {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.page-disclaimer .terms-links a {
  display: inline-flex;
  align-items: center;
  padding: 8px 16px;
  border-radius: var(--r-pill);
  border: 1px solid rgba(31, 58, 46, 0.28);
  background: rgba(255, 255, 255, 0.42);
  color: var(--pine-deep);
  font-size: 14px;
  text-decoration: none;
  transition: background 180ms ease-out, border-color 180ms ease-out;
}

.page-disclaimer .terms-links a:hover {
  background: rgba(255, 255, 255, 0.85);
  border-color: var(--pine);
}

@media (min-width: 760px) {
  .page-disclaimer .terms-hero {
    gap: 40px;
  }

  .page-disclaimer .clause-panel {
    padding: 26px 28px 12px;
  }

  .page-disclaimer .clause-text {
    font-size: 16px;
  }

  .page-disclaimer .clause-index-summary {
    padding: 10px 16px;
  }

  .page-disclaimer .terms-cta {
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: center;
    padding: 32px 36px;
    row-gap: 20px;
  }

  .page-disclaimer .terms-cta-text {
    grid-column: 1;
  }

  .page-disclaimer .terms-cta-btn {
    grid-column: 2;
    grid-row: 1;
  }

  .page-disclaimer .terms-links {
    grid-column: 1 / -1;
  }
}

@media (min-width: 920px) {
  .page-disclaimer .terms-hero {
    grid-template-columns: minmax(0, 1.04fr) minmax(0, 0.96fr);
    gap: 56px;
    padding-block: 16px 64px;
  }

  .page-disclaimer .clause-block {
    display: grid;
    grid-template-columns: 200px minmax(0, 1fr);
    gap: 24px 56px;
    padding-block: 44px;
  }

  .page-disclaimer .clause-head {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 0;
    position: sticky;
    top: 122px;
    align-self: start;
  }

  .page-disclaimer .terms-body {
    margin-top: 8px;
  }

  .page-disclaimer .terms-cta {
    margin-top: 56px;
    padding: 40px 44px;
  }
}

@media (min-width: 1200px) {
  .page-disclaimer .clause-block {
    grid-template-columns: 220px minmax(0, 1fr);
    gap: 32px 72px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .page-disclaimer .clause-index-list a,
  .page-disclaimer .terms-cta-btn,
  .page-disclaimer .terms-links a,
  .page-disclaimer .clause-index-summary::after {
    transition: opacity 180ms ease-out;
    transform: none;
  }

  .page-disclaimer .clause-index-list a:hover,
  .page-disclaimer .terms-cta-btn:hover {
    transform: none;
  }
}
<<<END>>>
```