/* ================= ROOT ================= */
.tnc {
    padding: 20px;
    background: #f6f7f9;
    max-width: 100%;
    min-height: 100vh;
    overflow-x: hidden;
}

/* ================= HEADER (reuses settings-header) ================= */
.settings-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 18px;
    flex-wrap: wrap;
    gap: 10px;
}

    .settings-header h2 {
        margin: 0;
        font-size: 22px;
    }

.header-left {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
}

.settings-subtitle {
    font-size: 13px;
    color: #777;
}

.tnc-last-updated {
    font-size: 12px;
    color: #999;
    background: #fff;
    border: 1px solid #e5e5e5;
    border-radius: 20px;
    padding: 4px 12px;
    font-weight: 500;
}

/* ================= INTRO BANNER ================= */
.tnc-intro-banner {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    background: #fff;
    border-radius: 12px;
    padding: 20px;
    margin-bottom: 20px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.06);
    border-left: 4px solid #111;
}

.tnc-intro-icon {
    font-size: 28px;
    flex-shrink: 0;
    line-height: 1;
    margin-top: 2px;
}

.tnc-intro-text {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.tnc-intro-title {
    font-size: 15px;
    font-weight: 700;
    color: #111;
    margin: 0;
}

.tnc-intro-desc {
    font-size: 13px;
    color: #666;
    line-height: 1.6;
    margin: 0;
}

/* ================= SECTIONS STACK ================= */
.tnc-sections {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

/* ================= INDIVIDUAL CARD ================= */
.tnc-card {
    background: #fff;
    border-radius: 12px;
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 14px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.06);
    border: 2px solid transparent;
    position: relative;
    overflow: hidden;
    transition: box-shadow 0.2s ease, transform 0.15s ease;
}

    .tnc-card::before {
        content: "";
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        height: 4px;
        border-radius: 12px 12px 0 0;
    }

    .tnc-card:hover {
        box-shadow: 0 4px 18px rgba(0,0,0,0.09);
        transform: translateY(-1px);
    }

    /* Colored top strips per section */
    .tnc-card[data-section="services"]::before {
        background: #d1ecf1;
    }

    .tnc-card[data-section="accounts"]::before {
        background: #cce5ff;
    }

    .tnc-card[data-section="payment"]::before {
        background: #d4edda;
    }

    .tnc-card[data-section="data"]::before {
        background: #f3e8ff;
    }

    .tnc-card[data-section="prohibited"]::before {
        background: #fdecea;
    }

    .tnc-card[data-section="liability"]::before {
        background: #fff3cd;
    }

    .tnc-card[data-section="refund"]::before {
        background: #e8eaf6;
    }

/* ================= CARD HEADER ================= */
.tnc-card-header {
    display: flex;
    align-items: center;
    gap: 14px;
}

.tnc-card-icon-wrap {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    flex-shrink: 0;
}

.services-icon {
    background: #e0f7fa;
}

.accounts-icon {
    background: #e7f4ff;
}

.payment-icon {
    background: #e6f7ee;
}

.data-icon {
    background: #f5eeff;
}

.prohibited-icon {
    background: #fef2f2;
}

.liability-icon {
    background: #fffbeb;
}

.refund-icon {
    background: #ede7f6;
}

.tnc-card-number {
    font-size: 11px;
    font-weight: 700;
    color: #bbb;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 2px;
}

.tnc-card-title {
    font-size: 15px;
    font-weight: 700;
    color: #111;
}

/* ================= CARD DESC ================= */
.tnc-card-desc {
    font-size: 13px;
    color: #777;
    line-height: 1.6;
    margin: 0;
}

/* ================= SERVICE TAGS ================= */
.tnc-service-tags {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.tnc-tag {
    background: #f6f7f9;
    border: 1px solid #e5e5e5;
    border-radius: 20px;
    padding: 5px 12px;
    font-size: 12px;
    font-weight: 600;
    color: #444;
}

/* ================= ITEMS LIST ================= */
.tnc-items-list {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.tnc-item {
    background: #f6f7f9;
    border-radius: 8px;
    padding: 10px 14px;
    display: flex;
    flex-direction: column;
    gap: 3px;
    border-left: 3px solid transparent;
}

.tnc-item-warn {
    border-left-color: #e67e22;
    background: #fffaf5;
}

.tnc-item-info {
    border-left-color: #3498db;
    background: #f0f8ff;
}

.tnc-item-label {
    font-size: 11px;
    font-weight: 700;
    color: #555;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.tnc-item-value {
    font-size: 13px;
    color: #444;
    line-height: 1.55;
}

/* ================= PROHIBITED LIST ================= */
.tnc-prohibited-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.tnc-prohibited-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    background: #fef2f2;
    border-radius: 8px;
    padding: 10px 14px;
    font-size: 13px;
    color: #444;
    line-height: 1.55;
}

.prohibited-icon {
    font-size: 16px;
    flex-shrink: 0;
    margin-top: 1px;
}

/* ================= LIABILITY BANNER ================= */
.tnc-liability-banner {
    background: #fffbeb;
    border: 1px solid #fde68a;
    border-radius: 8px;
    padding: 12px 14px;
    font-size: 13px;
    color: #555;
    line-height: 1.6;
}

/* ================= BULLET LIST ================= */
.tnc-bullets {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.tnc-bullet-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13px;
    color: #444;
    line-height: 1.55;
}

.bullet-dot-warn {
    width: 7px;
    height: 7px;
    background: #e67e22;
    border-radius: 50%;
    flex-shrink: 0;
    margin-top: 5px;
}

/* ================= REFUND SUB-LABEL ================= */
.tnc-sub-label {
    font-size: 11px;
    font-weight: 700;
    color: #999;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    padding-bottom: 2px;
    border-bottom: 1px solid #f0f0f0;
}

/* ================= REFUND GRID ================= */
.tnc-refund-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
}

.refund-tile {
    background: #f6f7f9;
    border-radius: 10px;
    padding: 14px 12px;
    display: flex;
    flex-direction: column;
    gap: 8px;
    border: 2px solid transparent;
}

.refund-tile-highlight {
    border-color: #d4edda;
    background: #f0faf3;
}

.refund-tile-top {
    display: flex;
    align-items: center;
    gap: 8px;
}

.refund-tile-icon {
    font-size: 18px;
}

.refund-tile-plan {
    font-size: 13px;
    font-weight: 700;
    color: #111;
}

.refund-tile-badge {
    font-size: 11px;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 20px;
    align-self: flex-start;
}

.no-refund {
    background: #fdecea;
    color: #c0392b;
}

.partial-refund {
    background: #d4edda;
    color: #155724;
}

.refund-tile-desc {
    font-size: 12px;
    color: #666;
    line-height: 1.55;
    margin: 0;
}

/* ================= REFUND PROCESS STEPS ================= */
.tnc-refund-process {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    flex-wrap: wrap;
}

.refund-step {
    flex: 1;
    min-width: 120px;
    background: #f6f7f9;
    border-radius: 10px;
    padding: 14px 12px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.refund-step-num {
    width: 26px;
    height: 26px;
    background: #111;
    color: #fff;
    border-radius: 50%;
    font-size: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.refund-step-text {
    font-size: 12px;
    color: #555;
    line-height: 1.55;
}

    .refund-step-text a {
        color: #111;
        text-decoration: none;
        border-bottom: 1px dashed #aaa;
    }

        .refund-step-text a:hover {
            color: #007bff;
            border-bottom-color: #007bff;
        }

.refund-step-arrow {
    font-size: 18px;
    color: #ccc;
    align-self: center;
    flex-shrink: 0;
    margin-top: -4px;
}

/* ================= RESPONSIVE ================= */
@media (max-width: 860px) {
    .tnc-refund-grid {
        grid-template-columns: 1fr;
    }

    .tnc-refund-process {
        flex-direction: column;
    }

    .refund-step-arrow {
        transform: rotate(90deg);
        align-self: flex-start;
        margin-left: 8px;
    }
}

@media (max-width: 600px) {
    .tnc {
        padding: 12px;
    }

    .settings-header {
        flex-direction: column;
        align-items: flex-start;
    }

    .tnc-intro-banner {
        flex-direction: column;
        gap: 10px;
    }

    .tnc-service-tags {
        flex-direction: column;
    }
}