/* terms-of-service.html styles — prodigyfinanceapply.com */
*, *::before, *::after { box-sizing:border-box; margin:0; padding:0; }
:root { --blue:#0284c7; --blue-dk:#0369a1; --blue-lt:#e0f2fe; --blue-mid:#bae6fd; --slate:#0f172a; --slate-7:#334155; --slate-5:#64748b; --slate-4:#94a3b8; --gray-bg:#f8fafc; --border:#e2e8f0; --border-s:#cbd5e1; --white:#ffffff; --amber:#d97706; --amber-lt:#fefce8; --font-d:'Outfit',system-ui,sans-serif; --font-b:'Inter',system-ui,sans-serif; --r-sm:6px; --r-md:10px; --r-lg:16px; }
html { scroll-behavior:smooth; }
body { font-family:var(--font-b); font-size:16px; color:var(--slate-7); line-height:1.7; background:var(--white); -webkit-font-smoothing:antialiased; }
a { color:var(--blue); text-decoration:none; }
a:hover { color:var(--blue-dk); text-decoration:underline; }
h1,h2,h3 { font-family:var(--font-d); color:var(--slate); line-height:1.25; }
h1 { font-size:clamp(1.8rem,3vw,2.5rem); font-weight:800; letter-spacing:-.02em; }
h2 { font-size:1.4rem; font-weight:700; margin-top:36px; margin-bottom:12px; }
h3 { font-size:1.05rem; font-weight:600; margin-top:20px; margin-bottom:8px; }
p { margin-bottom:14px; max-width:72ch; }
p:last-child { margin-bottom:0; }
ul, ol { margin:0 0 14px 20px; }
li { margin-bottom:5px; line-height:1.65; }
strong { color:var(--slate); }
.container { width:100%; max-width:1100px; margin:0 auto; padding:0 24px; }
.eyebrow { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:1.2px; color:var(--blue); display:inline-block; margin-bottom:10px; }
.btn { display:inline-flex; align-items:center; gap:6px; padding:11px 22px; border-radius:var(--r-md); font-family:var(--font-b); font-size:14px; font-weight:500; cursor:pointer; transition:all .15s; border:none; text-decoration:none !important; }
.btn-primary { background:var(--blue); color:var(--white); }
.btn-primary:hover { background:var(--blue-dk); color:var(--white); }
.compliance-bar { background:var(--blue-lt); border-bottom:1px solid var(--blue-mid); padding:7px 0; text-align:center; }
.compliance-bar p { font-size:12px; color:var(--slate-5); margin:0; max-width:100%; }
.nav { position:sticky; top:0; z-index:100; background:rgba(255,255,255,.96); backdrop-filter:blur(12px); border-bottom:1px solid var(--border); }
.nav-inner { display:flex; align-items:center; justify-content:space-between; height:68px; gap:16px; }
.nav-logo { display:flex; align-items:center; gap:9px; font-family:var(--font-d); font-weight:700; font-size:16px; color:var(--slate); text-decoration:none !important; flex-shrink:0; }
.nav-logo-mark { width:32px; height:32px; background:var(--slate); border-radius:var(--r-sm); display:flex; align-items:center; justify-content:center; }
.nav-links { display:flex; align-items:center; gap:2px; list-style:none; }
.nav-links a { display:block; padding:6px 11px; font-size:13.5px; color:var(--slate-5); border-radius:var(--r-sm); transition:color .15s,background .15s; font-weight:500; text-decoration:none !important; }
.nav-links a:hover { color:var(--slate); background:var(--gray-bg); }
.nav-right { display:flex; align-items:center; gap:10px; flex-shrink:0; }
.policy-hero { background:var(--gray-bg); border-bottom:1.5px solid var(--border); padding:48px 0 52px; }
.policy-hero h1 { margin-bottom:12px; }
.policy-hero .meta { font-size:13px; color:var(--slate-5); display:flex; gap:16px; flex-wrap:wrap; margin-top:14px; }
.policy-layout { display:grid; grid-template-columns:220px 1fr; gap:48px; align-items:start; padding:52px 0 72px; }
.policy-toc { position:sticky; top:88px; }
.toc-title { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:.7px; color:var(--slate-5); margin-bottom:12px; padding-bottom:10px; border-bottom:1px solid var(--border); }
.toc-links { list-style:none; display:flex; flex-direction:column; gap:2px; }
.toc-links a { display:block; padding:5px 8px; font-size:13px; color:var(--slate-5); border-radius:var(--r-sm); text-decoration:none !important; border-left:2px solid transparent; }
.toc-links a:hover { color:var(--slate); background:var(--gray-bg); border-left-color:var(--blue); }
.policy-content { min-width:0; }
.policy-section { scroll-margin-top:88px; padding-bottom:36px; margin-bottom:36px; border-bottom:1px solid var(--border); }
.policy-section:last-child { border-bottom:none; padding-bottom:0; margin-bottom:0; }
.warning-box { background:var(--amber-lt); border:1.5px solid var(--amber); border-radius:var(--r-md); padding:14px 16px; font-size:14px; color:#78350f; line-height:1.6; margin-bottom:16px; }
.info-box { background:var(--blue-lt); border:1px solid var(--blue-mid); border-radius:var(--r-md); padding:14px 16px; font-size:14px; color:#0c4a6e; line-height:1.6; margin-bottom:16px; }
.footer { background:var(--slate); padding:52px 0 0; }
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr 1fr; gap:36px; margin-bottom:36px; }
.f-logo { display:flex; align-items:center; gap:8px; font-family:var(--font-d); font-weight:700; font-size:15px; color:var(--white); margin-bottom:12px; }
.f-logo-mark { width:30px; height:30px; background:var(--blue); border-radius:4px; display:flex; align-items:center; justify-content:center; }
.f-tagline { font-size:13px; color:var(--slate-4); line-height:1.6; max-width:270px; margin-bottom:14px; }
.f-disclaimer { font-size:10.5px; color:var(--slate-5); line-height:1.65; padding:12px; background:rgba(255,255,255,.04); border:1px solid rgba(255,255,255,.07); border-radius:var(--r-md); }
.f-col-title { font-family:var(--font-d); font-size:11px; font-weight:700; color:var(--white); text-transform:uppercase; letter-spacing:.6px; margin-bottom:14px; }
.f-links { list-style:none; display:flex; flex-direction:column; gap:8px; }
.f-links a { font-size:13px; color:var(--slate-4); text-decoration:none !important; transition:color .12s; }
.f-links a:hover { color:var(--white); }
.footer-bottom { padding:22px 0; border-top:1px solid rgba(255,255,255,.08); font-size:10.5px; color:var(--slate-5); }
@media (max-width:820px) { .policy-layout{grid-template-columns:1fr;} .policy-toc{display:none;} .footer-grid{grid-template-columns:1fr 1fr;} }
@media (max-width:560px) { .nav-links{display:none;} .footer-grid{grid-template-columns:1fr; gap:24px;} }