.page-terms-conditions {
  font-family: 'Arial', sans-serif;
  color: #333;
  line-height: 1.6;
}

.page-terms-conditions__hero {
  background-color: #003366;
  color: #ffffff;
  padding: 80px 20px;
  text-align: center;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.page-terms-conditions__hero-image {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.2;
  z-index: 0;
}

.page-terms-conditions__container {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 15px;
  position: relative;
  z-index: 1;
}

.page-terms-conditions__title {
  font-size: 3.2em;
  margin-bottom: 15px;
  color: #FFCC00;
  text-shadow: 2px 2px 4px rgba(0, 0, 0, 0.5);
}

.page-terms-conditions__subtitle {
  font-size: 1.3em;
  opacity: 0.9;
}

.page-terms-conditions__content {
  padding: 60px 0;
  background-color: #f9f9f9;
}

.page-terms-conditions__article {
  background-color: #ffffff;
  padding: 40px;
  border-radius: 8px;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.1);
  position: relative;
}

.page-terms-conditions__heading {
  color: #003366;
  font-size: 2em;
  margin-top: 40px;
  margin-bottom: 20px;
  border-bottom: 3px solid #FFCC00;
  padding-bottom: 10px;
}

.page-terms-conditions__article p {
  margin-bottom: 15px;
  font-size: 1.1em;
  color: #444;
}

.page-terms-conditions__article ul {
  list-style-type: disc;
  margin-left: 25px;
  margin-bottom: 20px;
  color: #444;
}

.page-terms-conditions__article li {
  margin-bottom: 8px;
  font-size: 1.1em;
}

.page-terms-conditions__image {
  max-width: 300px;
  height: auto;
  border-radius: 8px;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
  margin: 20px 0;
}

.page-terms-conditions__image--left {
  float: left;
  margin-right: 25px;
}

.page-terms-conditions__image--right {
  float: right;
  margin-left: 25px;
}

.page-terms-conditions__cta-wrapper {
  text-align: center;
  margin-top: 30px;
  margin-bottom: 30px;
  clear: both;
}

.page-terms-conditions__btn {
  display: inline-block;
  background-color: #FFCC00;
  color: #003366;
  padding: 15px 30px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: bold;
  font-size: 1.2em;
  transition: background-color 0.3s ease, transform 0.3s ease;
  border: 2px solid #FFCC00;
}

.page-terms-conditions__btn:hover {
  background-color: #e6b800;
  transform: translateY(-3px);
}

.page-terms-conditions__btn--secondary {
  background-color: #003366;
  color: #FFCC00;
  border: 2px solid #FFCC00;
}

.page-terms-conditions__btn--secondary:hover {
  background-color: #002244;
  color: #FFCC00;
}

@media (max-width: 768px) {
  .page-terms-conditions__title {
    font-size: 2.5em;
  }

  .page-terms-conditions__subtitle {
    font-size: 1.1em;
  }

  .page-terms-conditions__article {
    padding: 25px;
  }

  .page-terms-conditions__heading {
    font-size: 1.8em;
  }

  .page-terms-conditions__article p, .page-terms-conditions__article li {
    font-size: 1em;
  }

  .page-terms-conditions__image {
    float: none;
    margin: 20px auto;
    display: block;
  }
}

@media (max-width: 480px) {
  .page-terms-conditions__title {
    font-size: 2em;
  }

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

  .page-terms-conditions__hero {
    padding: 60px 15px;
  }

  .page-terms-conditions__content {
    padding: 30px 0;
  }

  .page-terms-conditions__article {
    padding: 15px;
  }

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

  .page-terms-conditions__btn {
    padding: 12px 25px;
    font-size: 1.1em;
  }
}