.gb-terms{padding:45px 0 65px;background:#f7f9fb}
.gb-terms-head{text-align:center;max-width:760px;margin:0 auto 38px}
.gb-terms-head .gb-terms-icon{width:58px;height:58px;margin:0 auto 14px;border-radius:50%;background:#fff0ee;color:#ef493b;display:flex;align-items:center;justify-content:center;font-size:22px}
.gb-terms-head span{display:block;color:#ef493b;font-size:11px;font-weight:700;letter-spacing:1.5px;margin-bottom:5px}
.gb-terms-head h1{margin:0 0 10px;color:#193452;font-size:32px;font-weight:700}
.gb-terms-head p{margin:0;color:#74859a;font-size:14px;line-height:1.7}
.gb-terms-layout{display:grid;grid-template-columns:245px minmax(0,1fr);gap:25px;align-items:start}

/* NAV */
.gb-terms-nav{position:sticky;top:90px;background:#fff;border:1px solid #e3e9ef;border-radius:10px;overflow:hidden;box-shadow:0 5px 20px rgba(25,52,82,.04)}
.gb-terms-nav-title{padding:16px 18px;background:#193452;color:#fff;font-size:13px;font-weight:700}
.gb-terms-nav-title i{margin-right:7px;color:#ffb13b}
.gb-terms-nav-list{padding:8px}
.gb-terms-nav button{width:100%;display:flex;align-items:center;gap:9px;padding:9px 11px;border:0;background:transparent;border-radius:6px;color:#60748c;text-align:left;font-size:12px;line-height:1.3;cursor:pointer;transition:.2s}
.gb-terms-nav button i{width:16px;color:#a4b0bd;text-align:center}
.gb-terms-nav button:hover,.gb-terms-nav button.active{background:#fff1ef;color:#ef493b}
.gb-terms-nav button:hover i,.gb-terms-nav button.active i{color:#ef493b}

/* CONTENT */
.gb-terms-content{display:grid;gap:18px}
.gb-term-card{scroll-margin-top:100px;background:#fff;border:1px solid #e3e9ef;border-radius:10px;padding:26px 30px;box-shadow:0 5px 20px rgba(25,52,82,.035)}
.gb-term-title{display:flex;align-items:center;gap:13px;padding-bottom:15px;margin-bottom:18px;border-bottom:1px solid #edf0f3}
.gb-term-title i{width:38px;height:38px;min-width:38px;border-radius:8px;background:#fff0ee;color:#ef493b;display:flex;align-items:center;justify-content:center;font-size:15px}
.gb-term-title h2{margin:0;color:#193452;font-size:19px;font-weight:700}
.gb-term-card p,.gb-term-card li{color:#586d84;font-size:14px;line-height:1.8}
.gb-term-card p{margin:0 0 14px}
.gb-term-card p:last-child{margin-bottom:0}
.gb-term-card ol,.gb-term-card ul{margin:0;padding-left:22px}
.gb-term-card li{padding-left:4px;margin-bottom:10px}
.gb-term-card li:last-child{margin-bottom:0}
.gb-term-card strong{color:#344f6c}
.gb-term-note{display:flex;align-items:flex-start;gap:12px;padding:14px 16px;margin-top:17px;background:#fff9ef;border:1px solid #ffe0aa;border-radius:7px;color:#705d40;font-size:13px;line-height:1.6}
.gb-term-note i{color:#efa522;margin-top:3px}

/* INTRO */
.gb-terms-intro{display:flex;gap:14px;align-items:flex-start;padding:18px 20px;margin-bottom:18px;background:#edf6ff;border:1px solid #d6e9fb;border-radius:9px}
.gb-terms-intro>i{width:35px;height:35px;min-width:35px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#fff;color:#3478d4}
.gb-terms-intro p{margin:0;color:#526b84;font-size:13px;line-height:1.7}

@media(max-width:991px){
.gb-terms-layout{grid-template-columns:1fr}
.gb-terms-nav{position:relative;top:auto}
.gb-terms-nav-list{display:grid;grid-template-columns:repeat(2,1fr)}
}
@media(max-width:767px){
.gb-terms{padding:30px 0 45px}
.gb-terms-head h1{font-size:26px}
.gb-terms-nav-list{grid-template-columns:1fr}
.gb-term-card{padding:21px 18px}
.gb-term-title h2{font-size:17px}
.gb-term-card p,.gb-term-card li{font-size:13px}
}