.terms-modal {
  position: fixed;
  inset: 0;
  z-index: 90;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(16, 37, 50, 0.5);
  backdrop-filter: blur(3px);
  opacity: 0;
  transition: opacity 0.2s var(--ease);
}
.terms-modal.is-visible {
  opacity: 1;
}
.terms-modal-card {
  background: #fff;
  border-radius: var(--r-lg);
  max-width: 680px;
  width: 100%;
  max-height: 85vh;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.terms-modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 26px;
  border-bottom: 1px solid var(--line);
}
.terms-modal-title {
  font-size: 19px;
}
.terms-modal-close {
  font-size: 26px;
  line-height: 1;
  color: var(--muted);
}
.terms-modal-tabs {
  display: flex;
  gap: 6px;
  padding: 14px 26px 0;
}
.terms-modal-tab {
  padding: 9px 16px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-2);
  border-radius: 9px 9px 0 0;
  border: 1px solid transparent;
  border-bottom: none;
}
.terms-modal-tab[aria-selected="true"] {
  color: var(--blue-deep);
  background: var(--blue-soft);
  border-color: var(--line);
}
.terms-modal-body {
  padding: 24px 26px;
  overflow-y: auto;
}
.terms-modal-panel h3 {
  font-size: 15px;
  margin: 18px 0 6px;
}
.terms-modal-panel h3:first-child {
  margin-top: 0;
}
.terms-modal-panel p {
  font-size: 14px;
  color: var(--ink-2);
  line-height: 1.55;
}