/* =========================================================
   Premium Terms & Conditions (Investeria)
   Scope: .tc- (safe overrides, minimal conflicts)
========================================================= */

:root{
  --tc-ink:#0f172a;
  --tc-muted:#475569;
  --tc-border:rgba(15,23,42,.10);
  --tc-soft:#f5f8fe;
  --tc-card:#ffffff;
  --tc-primary:#0b5ed7;
  --tc-shadow:0 16px 44px rgba(2,8,23,.08);
  --tc-radius:18px;
}

/* HERO */
.tc-hero{
  background: var(--tc-soft);
  border-bottom: 1px solid rgba(15,23,42,.06);
  padding: 64px 0 34px;
}
.tc-wrap{
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 18px;
}
.tc-kicker{
  display:inline-flex;
  align-items:center;
  height: 30px;
  padding: 0 14px;
  border-radius: 999px;
  background: rgba(11,94,215,.10);
  border: 1px solid rgba(11,94,215,.18);
  color: var(--tc-primary);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.tc-title{
  margin: 12px 0 10px;
  font-size: clamp(30px, 3.2vw, 46px);
  line-height: 1.12;
  font-weight: 900;
  color: var(--tc-ink);
  letter-spacing: -.02em;
}
.tc-subtitle{
  margin: 0;
  max-width: 820px;
  color: var(--tc-muted);
  font-size: 16px;
  line-height: 1.7;
  font-weight: 600;
}

/* META STRIP */
.tc-meta{
  margin-top: 18px;
  display:flex;
  flex-wrap: wrap;
  gap: 10px;
}
.tc-chip{
  display:flex;
  align-items:center;
  gap: 8px;
  padding: 10px 12px;
  border-radius: 14px;
  background: rgba(255,255,255,.85);
  border: 1px solid rgba(15,23,42,.08);
  box-shadow: 0 10px 24px rgba(2,8,23,.06);
  color: var(--tc-ink);
  font-size: 13px;
  font-weight: 800;
}
.tc-chip i{
  color: var(--tc-primary);
  opacity: .95;
}

/* LAYOUT */
.tc-section{
  background: #fff;
  padding: 30px 0 70px;
}
.tc-grid{
  display:grid;
  grid-template-columns: 300px 1fr;
  gap: 18px;
  align-items:start;
}
@media (max-width: 992px){
  .tc-grid{ grid-template-columns: 1fr; }
}

/* TOC */
.tc-toc{
  position: sticky;
  top: 96px;
  border-radius: var(--tc-radius);
  background: var(--tc-card);
  border: 1px solid rgba(15,23,42,.08);
  box-shadow: var(--tc-shadow);
  padding: 16px;
}
@media (max-width: 992px){
  .tc-toc{ position: static; }
}
.tc-toc h4{
  margin: 0 0 10px;
  font-size: 14px;
  font-weight: 900;
  color: var(--tc-ink);
  letter-spacing: .04em;
  text-transform: uppercase;
}
.tc-toc a{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 12px;
  text-decoration: none;
  color: #0f172a;
  font-weight: 700;
  font-size: 13.5px;
  border: 1px solid transparent;
}
.tc-toc a:hover{
  background: rgba(11,94,215,.06);
  border-color: rgba(11,94,215,.18);
}
.tc-toc span{
  color: rgba(15,23,42,.55);
  font-weight: 800;
  font-size: 12px;
}

/* CONTENT CARDS */
.tc-card{
  border-radius: var(--tc-radius);
  background: var(--tc-card);
  border: 1px solid rgba(15,23,42,.08);
  box-shadow: var(--tc-shadow);
  overflow:hidden;
}
.tc-card + .tc-card{ margin-top: 16px; }

.tc-card__head{
  padding: 18px 18px 12px;
  border-bottom: 1px solid rgba(15,23,42,.06);
  background: linear-gradient(180deg, rgba(245,248,254,.85), rgba(255,255,255,1));
}
.tc-card__title{
  margin: 0;
  font-size: 18px;
  font-weight: 900;
  color: var(--tc-ink);
  letter-spacing: -.01em;
}
.tc-card__body{
  padding: 18px;
  color: var(--tc-muted);
  font-size: 15px;
  line-height: 1.85;
}
.tc-card__body p{ margin: 0 0 12px; }
.tc-card__body p:last-child{ margin-bottom: 0; }
.tc-card__body ul{ margin: 10px 0 0; padding-left: 18px; }
.tc-card__body li{ margin: 6px 0; }

.tc-callout{
  margin-top: 14px;
  padding: 12px 14px;
  border-radius: 14px;
  background: rgba(11,94,215,.06);
  border: 1px solid rgba(11,94,215,.18);
  color: var(--tc-ink);
  font-size: 14px;
  line-height: 1.7;
  font-weight: 650;
}

/* MEDIA SPLIT BLOCKS */
.tc-split{
  display:grid;
  grid-template-columns: 1fr 360px;
  gap: 16px;
  align-items: stretch;
}
.tc-media{
  border-radius: 16px;
  overflow:hidden;
  border: 1px solid rgba(15,23,42,.08);
  box-shadow: 0 14px 34px rgba(2,8,23,.10);
  background: #fff;
  height: 260px;
}
.tc-media img{
  width:100%;
  height:100%;
  object-fit: cover;
  display:block;
}
@media (max-width: 1200px){
  .tc-split{ grid-template-columns: 1fr; }
  .tc-media{ height: 320px; }
}

/* Anchor offset for sticky navbar */
.tc-anchor{
  scroll-margin-top: 110px;
}

/* Small footer note */
.tc-footnote{
  margin-top: 12px;
  color: rgba(15,23,42,.60);
  font-size: 13px;
  font-weight: 700;
}

/* Print-friendly */
@media print{
  .topbar, .navbar, .back-to-top, .footer, .footer-marquee, .copyright-bar { display:none !important; }
  .tc-toc{ display:none !important; }
  .tc-hero{ padding: 24px 0 10px; border: 0; }
  .tc-section{ padding: 10px 0 0; }
  .tc-card{ box-shadow:none; border:1px solid #ddd; }
}


/* =========================
   Premium Enhancements v2
   (CSS-only, no HTML change)
========================= */

/* Page backdrop */
.tc-section{
  background:
    radial-gradient(900px 420px at 10% 10%, rgba(11,94,215,.08), transparent 55%),
    radial-gradient(800px 420px at 85% 15%, rgba(2,132,199,.06), transparent 55%),
    linear-gradient(180deg, #ffffff 0%, #f7f9ff 100%);
}

/* Card presence */
.tc-card{
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  border-color: rgba(15,23,42,.10);
}
.tc-card:hover{
  transform: translateY(-2px);
  box-shadow: 0 20px 60px rgba(2,8,23,.12);
  border-color: rgba(11,94,215,.18);
}

/* Section numbering using CSS counters */
.tc-grid{ counter-reset: tcsec; }
.tc-card{ counter-increment: tcsec; }
.tc-card__title{
  position: relative;
  padding-left: 54px;
}
.tc-card__title::before{
  content: counter(tcsec, decimal-leading-zero);
  position: absolute;
  left: 0;
  top: 0;
  width: 42px;
  height: 28px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: rgba(11,94,215,.10);
  border: 1px solid rgba(11,94,215,.18);
  color: var(--tc-primary);
  font-weight: 900;
  font-size: 12px;
  letter-spacing: .08em;
}

/* Card header polish */
.tc-card__head{
  background:
    radial-gradient(420px 160px at 20% 20%, rgba(11,94,215,.10), transparent 60%),
    linear-gradient(180deg, rgba(245,248,254,.95), rgba(255,255,255,1));
}
.tc-card__body{
  color: #415166;
  font-size: 15.5px;
  line-height: 1.9;
}
.tc-card__body p{ max-width: 78ch; }

/* Media (illustrations) look better in a framed canvas */
.tc-media{
  height: auto !important;
  padding: 18px !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  background:
    radial-gradient(420px 220px at 25% 25%, rgba(11,94,215,.08), transparent 60%),
    linear-gradient(180deg, #ffffff, #fbfcff);
}
.tc-media img{
  max-width: 100% !important;
  max-height: 300px !important;
  width: auto !important;
  height: auto !important;
  object-fit: contain !important;
}

/* Split layout spacing */
.tc-split{
  gap: 20px;
  grid-template-columns: 1fr 340px;
}
@media (max-width: 1200px){
  .tc-split{ grid-template-columns: 1fr; }
}

/* TOC refinement */
.tc-toc{
  border-color: rgba(15,23,42,.10);
}
.tc-toc a{
  background: rgba(255,255,255,.70);
}
.tc-toc a:hover{
  background: rgba(11,94,215,.07);
}

/* Optional: nicer bullets */
.tc-card__body ul{
  padding-left: 18px;
}
.tc-card__body li::marker{
  color: rgba(11,94,215,.65);
  font-weight: 900;
}