/* ── Page-specific styles ── */
.tnc-hero {
  background:
    radial-gradient(700px 400px at 100% -10%, rgba(188,153,67,0.18), transparent 60%),
    radial-gradient(600px 400px at -5% 110%, rgba(231,2,23,0.10), transparent 60%),
    linear-gradient(135deg, #01215C 0%, #0a3a8c 100%);
  padding: 64px 0 72px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.tnc-hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
  pointer-events: none;
}
.tnc-hero h1 {
  color: #fff;
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 14px 0 10px;
}
.tnc-hero p {
  color: rgba(255,255,255,0.8);
  font-size: 16px;
  margin: 0;
}
.tnc-hero .last-updated {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(188,153,67,0.18);
  border: 1px solid rgba(188,153,67,0.4);
  color: var(--finpe-gold);
  font-size: 13px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 50px;
  margin-bottom: 16px;
}

/* Sticky sidebar nav */
.tnc-sidebar {
  position: sticky;
  top: 90px;
}
.tnc-nav {
  background: var(--finpe-bg-soft);
  border-radius: 18px;
  padding: 24px;
}
.tnc-nav h6 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--finpe-red);
  margin-bottom: 14px;
}
.tnc-nav ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.tnc-nav ul li {
  border-bottom: 1px solid rgba(1,33,92,0.08);
}
.tnc-nav ul li:last-child { border: none; }
.tnc-nav ul li a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  color: var(--finpe-text);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  transition: color .2s;
}
.tnc-nav ul li a i {
  width: 26px;
  height: 26px;
  border-radius: 7px;
  background: #fff;
  color: var(--finpe-navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  flex-shrink: 0;
  box-shadow: 0 2px 6px rgba(1,33,92,0.08);
}
.tnc-nav ul li a:hover { color: var(--finpe-red); }
.tnc-nav ul li a:hover i { color: var(--finpe-red); }

/* Content body */
.tnc-body {
  padding: 60px 0 80px;
}
.tnc-section {
  margin-bottom: 56px;
  scroll-margin-top: 100px;
}
.tnc-section:last-child { margin-bottom: 0; }

.tnc-section-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}
.tnc-section-header .sec-icon {
  width: 50px;
  height: 50px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(1,33,92,0.06), rgba(188,153,67,0.12));
  color: var(--finpe-navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.tnc-section h2 {
  font-size: 22px;
  color: var(--finpe-navy);
  margin: 0;
  font-weight: 700;
}
.tnc-section p {
  color: var(--finpe-text);
  font-size: 15px;
  line-height: 1.75;
  margin-bottom: 12px;
}
.tnc-section p:last-child { margin-bottom: 0; }

.tnc-list {
  list-style: none;
  padding: 0;
  margin: 14px 0 0;
}
.tnc-list li {
  position: relative;
  padding: 7px 0 7px 28px;
  color: var(--finpe-text);
  font-size: 15px;
  line-height: 1.65;
  border-bottom: 1px dashed rgba(1,33,92,0.08);
}
.tnc-list li:last-child { border: none; }
.tnc-list li::before {
  content: "\f058";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  color: var(--finpe-gold);
  position: absolute;
  left: 0;
  top: 9px;
  font-size: 13px;
}

.tnc-highlight {
  background: var(--finpe-bg-soft);
  border-left: 4px solid var(--finpe-navy);
  border-radius: 0 12px 12px 0;
  padding: 18px 22px;
  margin: 18px 0;
  font-size: 15px;
  color: var(--finpe-navy);
  font-weight: 500;
  line-height: 1.7;
}
.tnc-highlight.red-accent {
  border-color: var(--finpe-red);
  background: rgba(231,2,23,0.04);
  color: var(--finpe-text);
}
.tnc-highlight.gold-accent {
  border-color: var(--finpe-gold);
  background: var(--finpe-gold-soft);
  color: var(--finpe-text);
}

.tnc-divider {
  border: none;
  border-top: 1px solid rgba(1,33,92,0.10);
  margin: 56px 0;
}

/* Contact card at bottom */
.tnc-contact-card {
  background:
    radial-gradient(500px 250px at 100% 50%, rgba(188,153,67,0.2), transparent 60%),
    linear-gradient(135deg, var(--finpe-navy), #0a3a8c);
  border-radius: 22px;
  padding: 40px 44px;
  color: #fff;
  margin-top: 56px;
}
.tnc-contact-card h3 { color: #fff; font-weight: 700; margin-bottom: 8px; }
.tnc-contact-card p { color: rgba(255,255,255,0.82); margin-bottom: 24px; }
.tnc-contact-card .contact-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}
.tnc-contact-card .contact-chip {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 50px;
  padding: 10px 20px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: all .25s ease;
}
.tnc-contact-card .contact-chip:hover {
  background: rgba(188,153,67,0.3);
  border-color: var(--finpe-gold);
  color: #fff;
  transform: translateY(-2px);
}
.tnc-contact-card .contact-chip i { font-size: 16px; color: var(--finpe-gold); }

@media (max-width: 991.98px) {
  .tnc-sidebar { position: static; margin-bottom: 32px; }
  .tnc-contact-card { padding: 30px 24px; }
}