#zar-terms{
--navy:#0F172A;
--blue:#2563EB;
--blue-hover:#1D4ED8;
--light-blue:#EFF6FF;
--slate:#334155;
--muted:#64748B;
--bg:#F8FAFC;
--white:#FFFFFF;
--border:#E2E8F0;
--yellow:#FFFBEB;
--yellow-border:#FDE68A;
--yellow-text:#92400E;
font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
color:var(--slate);
background:var(--white);
line-height:1.65;
-webkit-font-smoothing:antialiased;
text-rendering:optimizeLegibility;
}
#zar-terms *{box-sizing:border-box}
#zar-terms a{color:inherit}
#zar-terms .zt-wrap{width:min(1200px,calc(100% - 40px));margin:0 auto}
#zar-terms .zt-section{padding:40px 0}
#zar-terms .zt-section.alt{background:var(--bg)}
#zar-terms .zt-hero{padding:26px 0 42px;background:linear-gradient(180deg,#fff 0%,#F8FAFC 100%);border-bottom:1px solid var(--border)}
#zar-terms .zt-hero-inner{max-width:900px}
#zar-terms .zt-eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin:0 0 9px}
#zar-terms .zt-eyebrow:before{content:"";width:26px;height:2px;background:var(--blue);border-radius:999px}
#zar-terms h1,#zar-terms h2,#zar-terms h3{color:var(--navy);line-height:1.18;margin-top:0}
#zar-terms h1{font-size:clamp(36px,5vw,58px);letter-spacing:-.035em;margin-bottom:18px}
#zar-terms h2{font-size:clamp(28px,3vw,36px);letter-spacing:-.025em;margin-bottom:12px}
#zar-terms h3{font-size:20px;letter-spacing:-.01em;margin-bottom:8px}
#zar-terms p{margin:0 0 14px}
#zar-terms p:last-child{margin-bottom:0}
#zar-terms .zt-lead{font-size:17px;line-height:1.7;max-width:820px;color:var(--slate);margin-bottom:10px}
#zar-terms .zt-sublead{font-size:16px;color:var(--muted);max-width:760px}
#zar-terms .zt-notice{display:grid;grid-template-columns:44px 1fr;gap:16px;padding:22px;border:1px solid #BFDBFE;background:var(--light-blue);border-radius:12px}
#zar-terms .zt-notice-icon{width:40px;height:40px;border-radius:10px;background:#DBEAFE;color:var(--blue);display:grid;place-items:center;font-weight:900;font-size:18px}
#zar-terms .zt-notice strong{color:var(--navy)}
#zar-terms .zt-intro{max-width:780px;margin-bottom:24px}
#zar-terms .zt-summary-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
#zar-terms .zt-card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:20px;box-shadow:0 8px 20px rgba(15,23,42,.04)}
#zar-terms .zt-card-kicker{font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--blue);margin-bottom:8px}
#zar-terms .zt-card h3{font-size:18px;margin-bottom:7px}
#zar-terms .zt-card p{font-size:14px;color:var(--muted);line-height:1.6}
#zar-terms .zt-warning{background:var(--yellow);border:1px solid var(--yellow-border);border-radius:12px;padding:24px}
#zar-terms .zt-warning .zt-eyebrow{color:var(--yellow-text)}
#zar-terms .zt-warning .zt-eyebrow:before{background:var(--yellow-text)}
#zar-terms .zt-warning h2{font-size:28px}
#zar-terms .zt-warning-section{background:var(--yellow);border-top:1px solid var(--yellow-border);border-bottom:1px solid var(--yellow-border)}
#zar-terms .zt-warning-section .zt-warning{background:#fff}
#zar-terms .zt-policy-shell{display:grid;grid-template-columns:260px minmax(0,1fr);gap:32px;align-items:start}
#zar-terms .zt-toc{position:sticky;top:18px;border:1px solid var(--border);background:var(--white);border-radius:12px;padding:18px;max-height:calc(100vh - 36px);overflow:auto;box-shadow:0 8px 20px rgba(15,23,42,.04)}
#zar-terms .zt-toc-title{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
#zar-terms .zt-toc a{display:block;text-decoration:none;font-size:13px;line-height:1.35;color:var(--slate);padding:7px 8px;border-radius:7px}
#zar-terms .zt-toc a:hover,#zar-terms .zt-toc a:focus{background:var(--light-blue);color:var(--blue);outline:none}
#zar-terms .zt-mobile-jump{display:none;margin-bottom:22px}
#zar-terms .zt-mobile-jump label{display:block;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
#zar-terms .zt-mobile-jump select{width:100%;min-height:48px;border:1px solid var(--border);border-radius:8px;background:#fff;color:var(--navy);padding:0 42px 0 14px;font:inherit;font-size:15px}
#zar-terms .zt-content{min-width:0}
#zar-terms .zt-policy{scroll-margin-top:20px;padding:0 0 34px;margin:0 0 34px;border-bottom:1px solid var(--border)}
#zar-terms .zt-policy:last-child{border-bottom:0;margin-bottom:0;padding-bottom:0}
#zar-terms .zt-policy-head{display:flex;align-items:flex-start;gap:14px;margin-bottom:18px}
#zar-terms .zt-num{flex:0 0 auto;min-width:42px;height:34px;border-radius:8px;background:var(--light-blue);color:var(--blue);font-size:13px;font-weight:800;display:grid;place-items:center}
#zar-terms .zt-policy-title{margin:2px 0 0;font-size:27px}
#zar-terms .zt-block{margin:18px 0}
#zar-terms .zt-block:first-of-type{margin-top:0}
#zar-terms .zt-block:last-child{margin-bottom:0}
#zar-terms .zt-label{display:inline-flex;align-items:center;min-height:26px;padding:4px 9px;border-radius:999px;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:10px}
#zar-terms .zt-label.action{background:var(--light-blue);color:var(--blue)}
#zar-terms .zt-label.policy{background:#F1F5F9;color:#475569}
#zar-terms .zt-label.restrict{background:#FFF7ED;color:#9A3412;border:1px solid #FED7AA}
#zar-terms .zt-callout{padding:18px;border:1px solid #BFDBFE;background:#F8FBFF;border-radius:10px;margin:18px 0}
#zar-terms .zt-callout strong{color:var(--navy)}
#zar-terms .zt-restrict-box{padding:18px;border-left:4px solid #F59E0B;background:#FFFBEB;border-radius:8px;margin:18px 0}
#zar-terms .zt-restrict-box strong{color:#78350F}
#zar-terms ul{margin:10px 0 16px;padding-left:22px}
#zar-terms li{margin:6px 0}
#zar-terms .zt-defs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
#zar-terms .zt-def{border:1px solid var(--border);border-radius:10px;padding:16px;background:#fff}
#zar-terms .zt-def h3{font-size:16px;margin-bottom:6px}
#zar-terms .zt-def p{font-size:14px;color:var(--muted)}
#zar-terms .zt-proof-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;gap:10px;align-items:center;margin:18px 0}
#zar-terms .zt-proof-step{border:1px solid var(--border);background:#fff;border-radius:10px;padding:14px;text-align:center;font-size:13px;font-weight:700;color:var(--navy)}
#zar-terms .zt-proof-arrow{color:var(--muted);font-weight:900}
#zar-terms .zt-refund{border:1px solid #BFDBFE;background:var(--light-blue);border-radius:12px;padding:22px;margin:18px 0}
#zar-terms .zt-refund-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:16px}
#zar-terms .zt-refund-item{background:#fff;border:1px solid #DBEAFE;border-radius:10px;padding:15px}
#zar-terms .zt-refund-item span{display:block;font-size:11px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin-bottom:5px}
#zar-terms .zt-refund-item strong{display:block;color:var(--navy);font-size:17px;line-height:1.35}
#zar-terms .zt-privacy-link{display:inline-flex;align-items:center;gap:6px;color:var(--blue);font-weight:800;text-decoration:none}
#zar-terms .zt-privacy-link:hover{color:var(--blue-hover);text-decoration:underline}
#zar-terms .zt-final{padding:48px 0;background:var(--navy);color:#CBD5E1}
#zar-terms .zt-final h2{color:#fff;font-size:34px}
#zar-terms .zt-final .zt-eyebrow{color:#93C5FD}
#zar-terms .zt-final .zt-eyebrow:before{background:#60A5FA}
#zar-terms .zt-final-copy{max-width:720px;font-size:17px;margin-bottom:22px}
#zar-terms .zt-actions{display:flex;flex-wrap:wrap;gap:12px}
#zar-terms .zt-btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:11px 16px;border-radius:8px;font-size:13px;font-weight:800;text-decoration:none;transition:background .18s ease,border-color .18s ease,color .18s ease}
#zar-terms .zt-btn.primary{background:var(--blue);color:#fff;border:1px solid var(--blue)}
#zar-terms .zt-btn.primary:hover{background:var(--blue-hover);border-color:var(--blue-hover)}
#zar-terms .zt-btn.secondary{background:transparent;color:#fff;border:1px solid #475569}
#zar-terms .zt-btn.secondary:hover{background:#1E293B;border-color:#64748B}
#zar-terms .zt-contact{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:16px;font-size:14px;color:var(--muted)}
#zar-terms .zt-contact a{color:var(--blue);font-weight:800;text-decoration:none}
#zar-terms .zt-contact a:hover{text-decoration:underline}
@media (max-width:1000px){
#zar-terms .zt-wrap{width:min(1200px,calc(100% - 36px))}
#zar-terms .zt-section{padding:38px 0}
#zar-terms .zt-hero{padding:28px 0 38px}
#zar-terms .zt-summary-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
#zar-terms .zt-policy-shell{grid-template-columns:220px minmax(0,1fr);gap:24px}
#zar-terms .zt-toc a{font-size:12px}
#zar-terms .zt-policy-title{font-size:25px}
}
@media (max-width:760px){
#zar-terms .zt-wrap{width:min(1200px,calc(100% - 30px))}
#zar-terms .zt-section{padding:36px 0}
#zar-terms .zt-hero{padding:26px 0 34px}
#zar-terms .zt-lead{font-size:17px}
#zar-terms .zt-summary-grid{grid-template-columns:1fr}
#zar-terms .zt-policy-shell{display:block}
#zar-terms .zt-toc{display:none}
#zar-terms .zt-mobile-jump{display:block}
#zar-terms .zt-policy{padding-bottom:30px;margin-bottom:30px}
#zar-terms .zt-policy-head{gap:11px}
#zar-terms .zt-policy-title{font-size:23px}
#zar-terms .zt-defs{grid-template-columns:1fr}
#zar-terms .zt-proof-flow{grid-template-columns:1fr;gap:7px}
#zar-terms .zt-proof-arrow{transform:rotate(90deg);text-align:center}
#zar-terms .zt-refund-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
#zar-terms .zt-final{padding:42px 0}
}
@media (max-width:520px){
#zar-terms .zt-wrap{width:min(1200px,calc(100% - 24px))}
#zar-terms .zt-section{padding:34px 0}
#zar-terms .zt-hero{padding:22px 0 30px}
#zar-terms h1{font-size:30px}
#zar-terms h2{font-size:28px}
#zar-terms .zt-notice{grid-template-columns:1fr;padding:18px}
#zar-terms .zt-card{padding:18px}
#zar-terms .zt-warning{padding:20px}
#zar-terms .zt-warning h2{font-size:25px}
#zar-terms .zt-policy-title{font-size:21px}
#zar-terms .zt-num{min-width:38px;height:32px}
#zar-terms .zt-refund-grid{grid-template-columns:1fr}
#zar-terms .zt-actions{display:grid;grid-template-columns:1fr}
#zar-terms .zt-btn{width:100%}
#zar-terms .zt-final{padding:38px 0}
}

/* M09-04 production refinements — aligned to ZAR Public Website Standard v1.0. */
#zar-terms{overflow:clip}
#zar-terms a:focus-visible,#zar-terms button:focus-visible,#zar-terms select:focus-visible{outline:3px solid rgba(37,99,235,.28);outline-offset:3px}
#zar-terms .zt-hero{padding:52px 0 56px;background:linear-gradient(180deg,#f8fbff 0%,#fff 100%)}
#zar-terms .zt-hero-inner{max-width:920px}
#zar-terms h1{font-size:clamp(42px,4.6vw,60px);letter-spacing:-.045em}
#zar-terms .zt-section{padding:68px 0}
#zar-terms .zt-notice{padding:26px 28px;box-shadow:0 12px 30px rgba(15,23,42,.045)}
#zar-terms .zt-summary-grid{gap:14px}
#zar-terms .zt-card{padding:22px;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
#zar-terms .zt-card:hover{transform:translateY(-2px);border-color:#CBD5E1;box-shadow:0 14px 30px rgba(15,23,42,.06)}
#zar-terms .zt-warning-section{padding:68px 0}
#zar-terms .zt-warning-section .zt-warning{padding:30px;box-shadow:0 10px 28px rgba(146,64,14,.06)}
#zar-terms .zt-policy-shell{grid-template-columns:280px minmax(0,1fr);gap:38px}
#zar-terms .zt-toc{top:96px;max-height:calc(100vh - 116px);scrollbar-width:thin}
#zar-terms .zt-toc a{padding:8px 9px}
#zar-terms .zt-toc a.is-active{background:var(--light-blue);color:var(--blue);font-weight:800}
#zar-terms .zt-content{max-width:850px}
#zar-terms .zt-policy{scroll-margin-top:110px;padding-bottom:42px;margin-bottom:42px}
#zar-terms .zt-policy-head{align-items:center;margin-bottom:20px}
#zar-terms .zt-num{min-width:44px;height:36px;border-radius:999px;background:var(--blue);color:#fff}
#zar-terms .zt-policy-title{font-size:clamp(25px,2.5vw,31px);letter-spacing:-.03em}
#zar-terms .zt-def{padding:18px;box-shadow:0 6px 16px rgba(15,23,42,.025)}
#zar-terms .zt-callout{border-left:4px solid var(--blue);background:var(--light-blue)}
#zar-terms .zt-restrict-box{padding:20px}
#zar-terms .zt-refund{padding:26px}
#zar-terms .zt-final{padding:64px 0}
#zar-terms .zt-final .zt-wrap{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:44px;align-items:center}
#zar-terms .zt-final-copy{margin-bottom:0}
#zar-terms .zt-actions{justify-content:flex-end}
@media(max-width:1100px){
 #zar-terms .zt-section{padding:60px 0}
 #zar-terms .zt-warning-section{padding:60px 0}
 #zar-terms .zt-policy-shell{grid-template-columns:240px minmax(0,1fr);gap:28px}
 #zar-terms .zt-toc{top:84px}
}
@media(max-width:900px){
 #zar-terms .zt-section{padding:54px 0}
 #zar-terms .zt-warning-section{padding:54px 0}
 #zar-terms .zt-policy-shell{display:block}
 #zar-terms .zt-toc{display:none}
 #zar-terms .zt-mobile-jump{display:block;padding:12px;background:#fff;border:1px solid var(--border);border-radius:10px}
 #zar-terms .zt-content{max-width:none}
 #zar-terms .zt-policy{scroll-margin-top:160px}
 #zar-terms .zt-final .zt-wrap{grid-template-columns:1fr}
 #zar-terms .zt-actions{justify-content:flex-start}
}
@media(max-width:760px){
 #zar-terms .zt-section{padding:52px 0}
 #zar-terms .zt-warning-section{padding:52px 0}
 #zar-terms .zt-hero{padding:44px 0 48px}
 #zar-terms .zt-summary-grid{grid-template-columns:1fr}
 #zar-terms .zt-refund-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:520px){
 #zar-terms .zt-section{padding:46px 0}
 #zar-terms .zt-warning-section{padding:46px 0}
 #zar-terms .zt-hero{padding:38px 0 42px}
 #zar-terms h1{font-size:34px}
 #zar-terms .zt-notice{padding:20px}
 #zar-terms .zt-warning-section .zt-warning{padding:22px}
 #zar-terms .zt-policy{padding-bottom:34px;margin-bottom:34px}
 #zar-terms .zt-policy-head{gap:10px;align-items:flex-start}
 #zar-terms .zt-num{min-width:38px;height:32px}
 #zar-terms .zt-policy-title{font-size:23px}
 #zar-terms .zt-refund-grid{grid-template-columns:1fr}
 #zar-terms .zt-final{padding:48px 0}
}
@media(prefers-reduced-motion:reduce){
 #zar-terms *,#zar-terms *::before,#zar-terms *::after{scroll-behavior:auto!important;transition:none!important}
}