.page-disclaimer {
  --disc-hero-bottom: clamp(84px, 12vw, 132px);
  --disc-gap: clamp(20px, 4vw, 40px);
  background: var(--fh-bg-light);
  color: var(--fh-text-dark);
  font-family: var(--fh-font-body);
  line-height: 1.6;
}

.page-disclaimer .page-disclaimer__crumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  padding-top: 18px;
  padding-bottom: 6px;
  margin: 0 auto;
  color: var(--fh-gray);
  font-size: 14px;
}

.page-disclaimer .page-disclaimer__crumb a {
  color: var(--fh-navy);
  text-decoration: none;
  font-weight: 600;
  transition: color var(--fh-transition);
}

.page-disclaimer .page-disclaimer__crumb a:hover {
  color: var(--fh-orange);
}

.page-disclaimer .page-disclaimer__crumb-sep {
  color: var(--fh-gray);
}

.page-disclaimer .disc-hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--fh-navy) 0%, #0D2A5C 70%, #133A6B 100%);
  color: var(--fh-text-light);
}

.page-disclaimer .disc-hero__media,
.page-disclaimer .disc-hero__overlay {
  position: absolute;
  inset: 0;
}

.page-disclaimer .disc-hero__media {
  z-index: 0;
}

.page-disclaimer .disc-hero__img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.3;
}

.page-disclaimer .disc-hero__overlay {
  z-index: 1;
  background: linear-gradient(90deg, rgba(11, 30, 63, 0.9) 0%, rgba(11, 30, 63, 0.55) 55%, rgba(11, 30, 63, 0.22) 100%);
}

.page-disclaimer .disc-hero__inner {
  position: relative;
  z-index: 2;
  padding-top: clamp(40px, 7vw, 84px);
  padding-bottom: var(--disc-hero-bottom);
}

.page-disclaimer .disc-hero__kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  color: var(--fh-green);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.08em;
}

.page-disclaimer .disc-hero h1 {
  max-width: 820px;
  margin: 0 0 16px;
  font-family: var(--fh-font-heading);
  font-weight: 900;
  font-size: clamp(1.85rem, 4.4vw, 3.4rem);
  line-height: 1.08;
  letter-spacing: -0.02em;
}

.page-disclaimer .disc-hero__lead {
  max-width: 720px;
  margin: 0 0 24px;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(1rem, 1.6vw, 1.18rem);
  line-height: 1.7;
}

.page-disclaimer .disc-hero__facts {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.page-disclaimer .disc-hero__facts li {
  padding: 8px 12px;
  border-left: 4px solid var(--fh-orange);
  background: rgba(255, 255, 255, 0.1);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.page-disclaimer .disc-wrap {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--disc-gap);
  margin-top: calc(var(--disc-hero-bottom) * -0.48);
  padding-bottom: clamp(40px, 6vw, 72px);
}

.page-disclaimer .disc-toc {
  background:
    linear-gradient(135deg, rgba(0, 229, 160, 0.12), transparent 70%),
    var(--fh-navy);
  color: var(--fh-text-light);
  border-radius: 10px 10px 10px 2px;
  padding: 26px 22px;
  box-shadow: 0 14px 34px rgba(11, 30, 63, 0.22);
}

.page-disclaimer .disc-toc__head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
}

.page-disclaimer .disc-toc__icon {
  color: var(--fh-green);
  flex-shrink: 0;
}

.page-disclaimer .disc-toc__title {
  margin: 0;
  font-family: var(--fh-font-heading);
  font-weight: 900;
  font-size: 1.1rem;
}

.page-disclaimer .disc-toc__list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.page-disclaimer .disc-toc__list li + li {
  margin-top: 4px;
}

.page-disclaimer .disc-toc__link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 9px 10px;
  border-radius: 4px;
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  font-size: 15px;
  transition: background var(--fh-transition), color var(--fh-transition);
}

.page-disclaimer .disc-toc__link:hover {
  background: rgba(0, 229, 160, 0.14);
  color: var(--fh-green);
}

.page-disclaimer .disc-toc__n {
  font-family: var(--fh-font-heading);
  font-weight: 900;
  font-size: 12px;
  color: var(--fh-green);
  width: 26px;
  flex-shrink: 0;
}

.page-disclaimer .disc-toc__foot {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 12px;
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.page-disclaimer .disc-toc__btn {
  display: flex;
  align-items: center;
  justify-content: center;
}

.page-disclaimer .disc-toc__privacy {
  color: rgba(255, 255, 255, 0.72);
  font-size: 14px;
  text-decoration: none;
  transition: color var(--fh-transition);
}

.page-disclaimer .disc-toc__privacy:hover {
  color: var(--fh-green);
}

.page-disclaimer .disc-content {
  background: #fff;
  border: 1px solid var(--fh-border);
  border-radius: 12px;
  box-shadow: 0 12px 32px rgba(11, 30, 63, 0.06);
  padding: clamp(24px, 4vw, 56px);
}

.page-disclaimer .disc-clause {
  display: grid;
  grid-template-columns: 42px minmax(0, 1fr);
  gap: 16px;
  padding: clamp(24px, 4vw, 42px) 0;
  border-bottom: 1px solid var(--fh-border);
  scroll-margin-top: calc(var(--fh-header-h) + 18px);
}

.page-disclaimer .disc-clause:first-child {
  padding-top: 0;
}

.page-disclaimer .disc-clause:last-child {
  border-bottom: 0;
}

.page-disclaimer .disc-clause__num {
  display: block;
  font-family: var(--fh-font-heading);
  font-weight: 900;
  font-size: clamp(1.55rem, 3.4vw, 2.4rem);
  line-height: 1;
  color: var(--fh-navy);
}

.page-disclaimer .disc-clause__num::after {
  content: "";
  display: block;
  width: 26px;
  height: 4px;
  margin-top: 10px;
  background: var(--fh-green);
}

.page-disclaimer .disc-clause__title {
  position: relative;
  margin: 0 0 10px;
  padding-left: 12px;
  font-family: var(--fh-font-heading);
  font-weight: 900;
  font-size: clamp(1.18rem, 2.2vw, 1.7rem);
  line-height: 1.2;
  color: var(--fh-navy);
}

.page-disclaimer .disc-clause__title::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.2em;
  bottom: 0.2em;
  width: 4px;
  background: var(--fh-orange);
}

.page-disclaimer .disc-clause__lead {
  margin: 0 0 12px;
  font-weight: 600;
  color: var(--fh-navy);
}

.page-disclaimer .disc-clause__body {
  margin: 0;
  font-size: 16px;
  color: #34435a;
}

.page-disclaimer .disc-clause__body p {
  margin: 0 0 12px;
}

.page-disclaimer .disc-clause__body p:last-child {
  margin-bottom: 0;
}

.page-disclaimer .disc-next {
  margin-top: clamp(24px, 4vw, 40px);
}

.page-disclaimer .disc-next__card {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: linear-gradient(120deg, var(--fh-navy), #10294e);
  color: #fff;
  border-radius: 12px;
  padding: 26px 24px;
}

.page-disclaimer .disc-next__title {
  margin: 0 0 6px;
  font-family: var(--fh-font-heading);
  font-weight: 900;
  font-size: 1.25rem;
}

.page-disclaimer .disc-next__text p {
  margin: 0;
  color: rgba(255, 255, 255, 0.8);
  font-size: 15px;
}

.page-disclaimer .disc-next__meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 4px 0;
  color: var(--fh-gray);
  font-size: 14px;
}

.page-disclaimer .disc-next__meta p {
  margin: 0;
}

.page-disclaimer .disc-next__meta a {
  color: var(--fh-navy);
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}

.page-disclaimer .disc-next__meta a:hover {
  color: var(--fh-orange);
}

.page-disclaimer .disc-backtop {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  margin-top: 18px;
}

@media (min-width: 920px) {
  .page-disclaimer .disc-wrap {
    grid-template-columns: 300px minmax(0, 1fr);
    gap: clamp(32px, 5vw, 64px);
    align-items: start;
  }

  .page-disclaimer .disc-toc {
    position: sticky;
    top: calc(var(--fh-header-h) + 24px);
  }

  .page-disclaimer .disc-content {
    padding: clamp(40px, 5vw, 64px);
  }

  .page-disclaimer .disc-clause {
    grid-template-columns: 76px minmax(0, 1fr);
    gap: 24px;
  }
}