:root { --teal: #0a899a; --teal-dark: #065f6b; }
    * { box-sizing: border-box; }
    body { font-family: 'Hind Siliguri', sans-serif; background: #f0f6f8; color: #2c3e50; margin: 0; }
    /* Hero */
    .tos-hero {
      background: linear-gradient(135deg, #032d33 0%, #054f5a 55%, #0a899a 100%);
      color: white; padding: 50px 20px 70px; text-align: center;
      position: relative; overflow: hidden;
    }
    .tos-hero::before {
      content:''; position:absolute; top:-60px; left:-60px;
      width:280px; height:280px;
      background:radial-gradient(circle,rgba(13,180,202,0.22) 0%,transparent 70%); border-radius:50%;
    }
    .tos-hero::after {
      content:''; position:absolute; bottom:-50px; right:-50px;
      width:220px; height:220px;
      background:radial-gradient(circle,rgba(255,255,255,0.06) 0%,transparent 70%); border-radius:50%;
    }
    .tos-hero img { height: 38px; margin-bottom: 18px; filter: brightness(1.2); }
    .tos-hero h1 { font-size: clamp(1.6rem, 5vw, 2.4rem); font-weight: 700; margin-bottom: 8px; }
    .tos-hero p { color: rgba(255,255,255,0.72); font-size: 0.9rem; margin: 0; }
    .tos-badge {
      display: inline-flex; align-items: center; gap: 6px;
      background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.25);
      border-radius: 20px; padding: 5px 14px; font-size: 0.82rem;
      color: rgba(255,255,255,0.9); margin-bottom: 14px;
    }
    /* Body */
    .tos-body { max-width: 900px; margin: 0 auto; padding: 30px 16px 60px; }
    /* Card */
    .tos-card {
      background: #fff; border-radius: 14px;
      box-shadow: 0 2px 16px rgba(10,137,154,0.07);
      padding: 26px 28px; margin-bottom: 20px;
      border: 1px solid rgba(10,137,154,0.08);
      transition: box-shadow 0.2s;
    }
    .tos-card:hover { box-shadow: 0 6px 24px rgba(10,137,154,0.13); }
    .tos-card-header {
      display: flex; align-items: center; gap: 13px;
      margin-bottom: 16px; padding-bottom: 12px;
      border-bottom: 1px solid #e8f5f7;
    }
    .tos-icon-wrap {
      width: 44px; height: 44px; min-width: 44px;
      border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.25rem;
    }
    .tos-card-header h2 { font-size: 1.05rem; font-weight: 700; color: var(--teal-dark); margin: 0; }
    .tos-card p { font-size: 0.92rem; color: #4a6572; line-height: 1.75; margin-bottom: 10px; }
    .tos-card ul { padding-left: 0; list-style: none; margin: 0; }
    .tos-card ul li {
      display: flex; align-items: flex-start; gap: 10px;
      font-size: 0.91rem; color: #4a6572;
      padding: 6px 0; border-bottom: 1px solid #f3f9fa;
    }
    .tos-card ul li:last-child { border-bottom: none; }
    .tos-card ul li i { color: var(--teal); margin-top: 3px; min-width: 16px; }
    .tos-card ul li strong { color: #2c3e50; }
    .tos-card a { color: var(--teal); text-decoration: none; font-weight: 600; }
    .tos-card a:hover { text-decoration: underline; }
    /* Warning box */
    .tos-disclaimer {
      background: linear-gradient(135deg, #fff3e0, #ffe0b2);
      border-left: 4px solid #e65100;
      border-radius: 10px; padding: 16px 20px;
      font-size: 0.88rem; color: #6d3c00; margin-bottom: 24px;
      display: flex; gap: 12px; align-items: flex-start;
    }
    .tos-disclaimer i { font-size: 1.4rem; color: #e65100; margin-top: 2px; }
    /* Buttons */
    .btn-teal {
      background: var(--teal); color: #fff; border: none;
      border-radius: 8px; padding: 10px 24px; font-size: 0.92rem; font-weight: 600;
      text-decoration: none; display: inline-flex; align-items: center; gap: 7px;
      transition: background 0.2s, transform 0.15s;
    }
    .btn-teal:hover { background: var(--teal-dark); color: #fff; transform: translateY(-1px); }
    .btn-outline-teal {
      background: transparent; color: var(--teal); border: 2px solid var(--teal);
      border-radius: 8px; padding: 9px 22px; font-size: 0.92rem; font-weight: 600;
      text-decoration: none; display: inline-flex; align-items: center; gap: 7px;
      transition: all 0.2s;
    }
    .btn-outline-teal:hover { background: var(--teal); color: #fff; transform: translateY(-1px); }
    /* Footer bar */
    .tos-footer-bar {
      background: linear-gradient(135deg, #032d33, #065f6b);
      color: #7ab8c0; text-align: center; padding: 18px 20px; font-size: 0.82rem;
    }
    .tos-footer-bar a { color: #3dd6e8; text-decoration: none; }
    .tos-footer-bar a:hover { text-decoration: underline; }
    @media (max-width: 600px) {
      .tos-card { padding: 18px 16px; }
      .tos-card-header h2 { font-size: 0.98rem; }
      .tos-icon-wrap { width: 38px; height: 38px; font-size: 1.1rem; }
    }