.hm-terms{max-width:1360px;margin:0 auto;padding:24px 28px 48px;color:#12375b;font-family:Arial,sans-serif;font-size:14px;line-height:1.65;overflow-wrap:anywhere}
.hm-terms *{box-sizing:border-box}.hm-terms a{color:#0764db;text-decoration:none}.hm-terms a:hover{text-decoration:underline}.hm-terms a:focus-visible,.hm-terms summary:focus-visible{outline:3px solid #1575f5;outline-offset:4px;border-radius:5px}
.hm-terms-breadcrumb{display:flex;gap:10px;align-items:center;font-size:12px;color:#667d95;margin-bottom:22px}.hm-terms-hero{display:flex;gap:36px;align-items:center;margin-bottom:28px}.hm-terms-hero>div{flex:1}.hm-terms h1{font-size:clamp(29px,3vw,40px);line-height:1.2;color:#09386b;margin:0 0 12px;font-weight:750}.hm-terms-hero p{margin:9px 0;max-width:960px}.hm-terms-updated{color:#597593}.hm-terms-hero img{width:170px;height:170px;object-fit:cover;border-radius:36px}
.hm-terms-layout{display:grid;grid-template-columns:235px minmax(0,1fr);gap:24px;align-items:start}.hm-terms-sidebar{position:sticky;top:20px}.hm-terms-sidebar h2{font-size:16px;margin:0 0 12px;color:#0b4ca4}.hm-terms-toc-desktop,.hm-terms-help{border:1px solid #e0ecfa;background:#f5f9fe;border-radius:12px;padding:16px}.hm-terms-sidebar nav{display:flex;flex-direction:column;gap:3px;max-height:65vh;overflow-y:auto;scrollbar-width:thin}.hm-terms-sidebar nav a{font-size:12px;color:#426182;padding:7px 8px;border-left:2px solid transparent;border-radius:3px;line-height:1.45}.hm-terms-sidebar nav a[aria-current]{background:#dfeeff;border-color:#1479ff;color:#075bd2}.hm-terms-help{margin-top:14px}.hm-terms-help h2{display:flex;gap:9px;align-items:center;font-size:14px}.hm-terms-help p{font-size:12px;color:#5c7390}.hm-terms-help>a{display:block;padding:8px;text-align:center;border:1px solid #76b0ff;border-radius:6px;background:white;font-weight:700}.hm-terms-toc-mobile{display:none}
.hm-terms-content{min-width:0}.hm-terms-summary{padding:20px;border:1px solid #c9e4ff;border-radius:13px;background:#edf7ff}.hm-terms-summary>h2{display:flex;align-items:center;gap:13px;margin:0;color:#0752bf;font-size:19px}.hm-terms-summary>p{margin:5px 0 18px 42px;font-size:12px;color:#617a96}.hm-terms-cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:9px}.hm-terms-card{background:#ffffffc9;padding:14px 12px;border-radius:9px;border:1px solid #e6f0fa}.hm-terms-card h3{font-size:13px;line-height:1.45;margin:10px 0 7px;color:#103c72}.hm-terms-card p{font-size:12px;color:#536f8f;margin:0;line-height:1.6}.hm-terms-card-icon{display:inline-flex;align-items:center;justify-content:center;border-radius:50%;background:#fce6f2;color:#f52692;width:42px;height:42px}.tone-1 .hm-terms-card-icon{background:#dbeeff;color:#0873f5}.tone-2 .hm-terms-card-icon{background:#d9f8e5;color:#159942}.tone-3 .hm-terms-card-icon{background:#fff1cc;color:#c88700}
.hm-terms-intro{padding:8px 5px 12px;font-size:13px;color:#506b85}.hm-terms-intro p{margin:13px 0}.hm-terms-section{border:1px solid #ddeaf8;border-radius:12px;margin-bottom:10px;background:#f6f9fd;scroll-margin-top:110px;overflow:hidden}.hm-terms-section summary{display:flex;gap:14px;align-items:center;cursor:pointer;list-style:none;padding:15px 17px}.hm-terms-section summary::-webkit-details-marker{display:none}.hm-terms-number{width:33px;height:33px;display:flex;flex:none;align-items:center;justify-content:center;border-radius:50%;color:#075cce;background:#dcecff;font-weight:700;font-size:17px}.hm-terms-heading{flex:1;min-width:0}.hm-terms-heading h2{margin:0;font-size:16px;line-height:1.4;color:#113b6e}.hm-terms-heading>span{display:block;font-size:12px;color:#5b7491;margin-top:3px}.hm-terms-arrow{flex:none;color:#647e9d;transition:transform .15s}.hm-terms-section[open] .hm-terms-arrow{transform:rotate(180deg)}.hm-terms-section[open]{background:#fff}.hm-terms-section[open] summary{background:#edf5ff;border-bottom:1px solid #dfebf9}.hm-terms-body{padding:8px 24px 18px 64px;color:#354f68;font-size:14px;line-height:1.85}.hm-terms-body p{margin:13px 0;white-space:pre-line}.hm-terms-clause{display:block;color:#163e6b;font-size:12px;margin-bottom:3px}.hm-terms-body ul{padding-left:22px}.hm-terms-body li{margin:5px 0}
.hm-terms-contact{margin-top:25px;padding:25px;border:1px solid #f4deee;border-radius:16px;background:#fff5fa;scroll-margin-top:110px}.hm-terms-contact-title{display:flex;align-items:flex-start;gap:15px;color:#ee368b}.hm-terms-contact h2{font-size:20px;margin:0;color:#bd276d}.hm-terms-contact-title p{color:#506b85;font-size:13px;margin:5px 0 20px;max-width:780px}.hm-terms-contact dl{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:0}.hm-terms-contact dl>div{display:grid;grid-template-columns:22px minmax(0,1fr);column-gap:9px;align-content:start;padding:16px;background:white;border-radius:8px}.hm-terms-contact dl svg{grid-row:span 2;color:#1680ed;margin-top:3px}.hm-terms-contact dt{font-size:12px;font-weight:700}.hm-terms-contact dd{margin:4px 0 0;font-size:13px;white-space:pre-line}.hm-terms-whatsapp{display:inline-block;margin-top:18px;font-weight:700}
@media(max-width:1200px){.hm-terms-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.hm-terms-layout{grid-template-columns:215px minmax(0,1fr);gap:18px}}
@media(max-width:800px){.hm-terms{padding:20px 18px 36px}.hm-terms-hero{gap:16px}.hm-terms-hero img{width:110px;height:110px}.hm-terms-layout{grid-template-columns:minmax(0,1fr)}.hm-terms-sidebar{position:static}.hm-terms-toc-desktop,.hm-terms-help{display:none}.hm-terms-toc-mobile{display:block;border:1px solid #dce8fa;border-radius:10px;background:#f4f9ff;padding:12px 15px}.hm-terms-toc-mobile summary{display:flex;justify-content:space-between;align-items:center;cursor:pointer;color:#0a51b2;font-weight:700;list-style:none}.hm-terms-toc-mobile summary::-webkit-details-marker{display:none}.hm-terms-toc-mobile nav{margin-top:12px}.hm-terms-contact dl{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:480px){.hm-terms{padding:18px 14px 30px;font-size:13px}.hm-terms-breadcrumb{margin-bottom:18px}.hm-terms-hero{margin-bottom:20px}.hm-terms-hero img{display:none}.hm-terms-summary{padding:15px 12px}.hm-terms-summary>h2{font-size:17px;gap:8px}.hm-terms-summary>p{margin:7px 0 15px}.hm-terms-card{padding:12px 10px}.hm-terms-card h3{font-size:12px}.hm-terms-card p{font-size:11px}.hm-terms-section summary{padding:13px 11px;gap:9px}.hm-terms-number{width:28px;height:28px;font-size:14px}.hm-terms-heading h2{font-size:14px}.hm-terms-heading>span{font-size:11px}.hm-terms-body{padding:5px 16px 16px;font-size:13px}.hm-terms-contact{padding:18px 14px}.hm-terms-contact dl{grid-template-columns:minmax(0,1fr)}.hm-terms-contact h2{font-size:18px}}
@media print{.hm-terms-sidebar,.hm-terms-hero img{display:none}.hm-terms-layout{display:block}.hm-terms-section::details-content{display:block}.hm-terms-section .hm-terms-body{display:block}.hm-terms-section{break-inside:avoid}.hm-terms-contact dl{grid-template-columns:repeat(2,1fr)}}