.page-terms-conditions {
  color: #333333; /* Default text color for light body background */
  line-height: 1.6;
  font-family: Arial, sans-serif;
}

.page-terms-conditions__hero-section {
  position: relative;
  padding-top: var(--header-offset, 120px);
  background-color: #0A2463;
  color: #ffffff;
  text-align: center;
  padding-bottom: 60px;
  overflow: hidden;
}

.page-terms-conditions__hero-content {
  position: relative;
  z-index: 2;
  max-width: 900px;
  margin: 0 auto;
  padding: 40px 20px;
}

.page-terms-conditions__hero-title {
  font-size: 2.8em;
  margin-bottom: 20px;
  color: #E0B342; /* Gold for emphasis */
  font-weight: bold;
}

.page-terms-conditions__hero-description {
  font-size: 1.2em;
  margin-bottom: 30px;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.page-terms-conditions__hero-cta {
  display: inline-block;
  background-color: #E0B342; /* Gold button */
  color: #0A2463;
  padding: 15px 30px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: bold;
  font-size: 1.1em;
  transition: background-color 0.3s ease, transform 0.3s ease;
}

.page-terms-conditions__hero-cta:hover {
  background-color: #f5db9c; /* Lighter gold on hover */
  transform: translateY(-3px);
}

.page-terms-conditions__hero-image {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  overflow: hidden;
  z-index: 1;
}

.page-terms-conditions__hero-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.3; /* Subtle background */
}

.page-terms-conditions__content-section {
  padding: 60px 0;
  background-color: #f8f8f8;
}

.page-terms-conditions__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
}

.page-terms-conditions__article {
  flex: 3;
  min-width: 300px;
  background-color: #ffffff;
  padding: 30px;
  border-radius: 10px;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
}

.page-terms-conditions__article-heading {
  font-size: 2em;
  color: #0A2463;
  margin-top: 30px;
  margin-bottom: 15px;
  border-bottom: 2px solid #E0B342;
  padding-bottom: 10px;
}

.page-terms-conditions__article-paragraph {
  margin-bottom: 15px;
  font-size: 1.05em;
  color: #555555;
}

.page-terms-conditions__article-paragraph a {
  color: #0A2463;
  text-decoration: underline;
  font-weight: bold;
}

.page-terms-conditions__article-paragraph a:hover {
  color: #E0B342;
}

.page-terms-conditions__image-wrapper {
  margin: 30px 0;
  text-align: center;
}

.page-terms-conditions__image-wrapper img {
  max-width: 100%;
  height: auto;
  border-radius: 8px;
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
  min-width: 200px;
  min-height: 200px;
}

.page-terms-conditions__cta-banner {
  flex: 1;
  min-width: 280px;
  background-color: #0A2463;
  color: #ffffff;
  padding: 30px;
  border-radius: 10px;
  text-align: center;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 20px;
  position: sticky;
  top: calc(var(--header-offset, 120px) + 20px);
  align-self: flex-start;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.15);
}

.page-terms-conditions__cta-banner img {
  max-width: 100%;
  height: auto;
  border-radius: 8px;
  min-width: 200px;
  min-height: 200px;
}

.page-terms-conditions__cta-title {
  font-size: 1.8em;
  color: #E0B342;
  margin-bottom: 10px;
}

.page-terms-conditions__cta-description {
  font-size: 1.1em;
  margin-bottom: 20px;
}

.page-terms-conditions__cta-button {
  display: inline-block;
  background-color: #E0B342;
  color: #0A2463;
  padding: 12px 25px;
  border-radius: 5px;
  text-decoration: none;
  font-weight: bold;
  font-size: 1em;
  transition: background-color 0.3s ease, transform 0.3s ease;
}

.page-terms-conditions__cta-button:hover {
  background-color: #f5db9c;
  transform: translateY(-2px);
}

/* Responsive adjustments */
@media (max-width: 992px) {
  .page-terms-conditions__container {
    flex-direction: column;
  }

  .page-terms-conditions__article {
    flex: auto;
    width: 100%;
  }

  .page-terms-conditions__cta-banner {
    flex: auto;
    width: 100%;
    position: static;
  }
}

@media (max-width: 768px) {
  .page-terms-conditions__hero-title {
    font-size: 2.2em;
  }

  .page-terms-conditions__hero-description {
    font-size: 1em;
  }

  .page-terms-conditions__article-heading {
    font-size: 1.6em;
  }

  .page-terms-conditions__article-paragraph {
    font-size: 0.95em;
  }

  .page-terms-conditions__cta-title {
    font-size: 1.5em;
  }

  .page-terms-conditions__hero-section,
  .page-terms-conditions__content-section {
    padding: 40px 0;
  }

  .page-terms-conditions__hero-image img,
  .page-terms-conditions__image-wrapper img,
  .page-terms-conditions__cta-banner img {
    max-width: 100%;
    height: auto;
    min-width: 200px; /* Ensure images are not too small */
    min-height: 200px;
  }
}