.tos-topbar { background:#1a2744; padding:16px 32px; display:flex; align-items:center; justify-content:space-between; }
.tos-topbar a.logo { font-family:'Playfair Display',Georgia,serif; color:#C9A84C; font-size:1.2rem; font-weight:700; text-decoration:none; }
.tos-topbar a.back-btn { font-family:'Poppins',sans-serif; font-size:0.85rem; color:rgba(255,255,255,0.75); text-decoration:none; border:1px solid rgba(255,255,255,0.3); padding:6px 16px; border-radius:4px; }
.tos-hero { background:linear-gradient(135deg,#1a2744 0%,#0d1a30 100%); padding:70px 20px 50px; text-align:center; border-bottom:3px solid #C9A84C; }
.tos-hero h1 { font-family:'Playfair Display',Georgia,serif; color:#C9A84C; font-size:clamp(2rem,5vw,3rem); margin:0 0 12px; }
.tos-hero p { font-family:'Poppins',sans-serif; color:rgba(255,255,255,0.6); font-size:0.9rem; margin:0; }
.tos-body { max-width:860px; margin:0 auto; padding:60px 24px 80px; font-family:'Poppins',sans-serif; color:#333; line-height:1.85; }
.tos-body h2 { font-family:'Playfair Display',Georgia,serif; color:#1a2744; font-size:1.35rem; margin:44px 0 14px; padding-bottom:8px; border-bottom:2px solid #C9A84C; }
.tos-body p { font-size:0.95rem; color:#444; margin-bottom:14px; }
.tos-body ul { padding-left:22px; margin-bottom:14px; }
.tos-body li { font-size:0.95rem; color:#444; margin-bottom:8px; }
.tos-body a { color:#C9A84C; }
.tos-body strong { color:#1a2744; }
.tos-footer-bar { background:#0d1a30; text-align:center; padding:28px 20px; font-family:'Poppins',sans-serif; font-size:0.78rem; color:rgba(255,255,255,0.45); border-top:2px solid #C9A84C; }
.tos-footer-bar a { color:#C9A84C; text-decoration:none; }