/* 약관·정책 문서 전용 스타일 (terms / privacy / refund) */
.legal-hero {
  background: linear-gradient(150deg, #021b3a 0%, #063573 60%, #0a4da2 100%);
  color: #fff;
  padding: 72px 0 56px;
}
.legal-hero .container { max-width: 860px; }
.legal-hero h1 {
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 800;
  letter-spacing: -0.025em;
  margin: 0 0 12px;
}
.legal-hero .legal-meta {
  margin: 0;
  font-size: 14px;
  color: rgba(234, 242, 255, 0.78);
}

.legal-body {
  background: var(--bg);
  padding: 48px 0 80px;
}
.legal-body .container { max-width: 860px; }

.legal-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--s-sm);
  padding: clamp(24px, 4vw, 44px);
}

/* 목차 */
.toc {
  background: #eef4ff;
  border-radius: var(--r-md);
  padding: 20px 24px;
  margin-bottom: 36px;
}
.toc h2 {
  margin: 0 0 12px;
  font-size: 14px;
  font-weight: 800;
  color: var(--primary-dark);
  letter-spacing: 0.02em;
}
.toc ol {
  margin: 0;
  padding-left: 20px;
  columns: 2;
  column-gap: 28px;
}
.toc li { margin-bottom: 6px; font-size: 14px; }
.toc a { color: var(--text-sub); font-weight: 600; }
.toc a:hover { color: var(--primary); }
@media (max-width: 600px) {
  .toc ol { columns: 1; }
}

/* 조항 */
.legal-card h2.article {
  font-size: 19px;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--text);
  margin: 40px 0 14px;
  padding-top: 8px;
  scroll-margin-top: 80px;
}
.legal-card h2.article:first-of-type { margin-top: 0; }
.legal-card h3 {
  font-size: 16px;
  font-weight: 700;
  margin: 24px 0 10px;
  color: var(--text);
}
.legal-card p {
  font-size: 15px;
  color: var(--text-sub);
  margin: 0 0 14px;
  line-height: 1.75;
}
.legal-card ol, .legal-card ul {
  margin: 0 0 16px;
  padding-left: 22px;
  color: var(--text-sub);
  font-size: 15px;
  line-height: 1.8;
}
.legal-card li { margin-bottom: 6px; }
.legal-card strong { color: var(--text); font-weight: 700; }

.legal-card .note {
  background: #eef4ff;
  border-left: 4px solid var(--primary);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  padding: 14px 18px;
  margin: 0 0 18px;
  font-size: 14px;
  color: var(--primary-dark);
}
.legal-card .ph {
  background: #fff7ed;
  color: #9a3412;
  border-radius: 4px;
  padding: 1px 6px;
  font-size: 0.92em;
  font-weight: 600;
}

.legal-card .data-table { margin: 6px 0 20px; }