/* NAV RESETS — global */
body{margin:0;padding:0}
html{scroll-padding-top:96px}
.site-header{display:block !important;margin:0 !important;padding:0 !important}
.nav-main{padding:0 !important;margin:0 !important}
.nav-main .row{display:flex;align-items:center;justify-content:space-between;padding:8px 0;gap:28px}
.nav-main .right .btn.primary{padding:10px 18px;font-size:12px;letter-spacing:.06em}

/* SCOPED RESET */
.uba-tnc-root *,.uba-tnc-root *::before,.uba-tnc-root *::after{box-sizing:border-box;margin:0;padding:0}

/* CUSTOM PROPERTIES */
.uba-tnc-root{
  --linen:#F1F1F1;
  --paper:#FFFFFF;
  --wine:#BF0A30; --wine-2:#A00827; --wine-50:#FCEDEF;
  --navy-3:#00153A;
  --ink:#000000; --ink-2:#1A1A1A; --muted:#5E5E5E;
  --rule:rgba(0,0,0,.10); --rule-strong:rgba(0,0,0,.22);
  --c-primary:var(--wine); --c-primary-2:var(--wine-2); --c-primary-on:#FFFFFF;
  --ff-display:'Roboto Slab',Georgia,serif;
  --ff-body:'Source Sans 3',system-ui,sans-serif;
  --ff-mono:'Source Sans 3',system-ui,sans-serif;
  --r-btn:10px;
  --sh-1:0 1px 2px rgba(0,40,104,.06); --sh-2:0 6px 18px rgba(0,40,104,.08);
}

/* BASE */
.uba-tnc-root{font-family:var(--ff-body);font-size:18px;line-height:1.6;color:var(--ink);-webkit-font-smoothing:antialiased}
.uba-tnc-root a{color:inherit;text-decoration:none}
.uba-tnc-root img{max-width:100%;display:block}

/* CONTAINER */
.uba-tnc-root .container{max-width:1240px;margin:0 auto;padding:0 32px}
@media(max-width:820px){.uba-tnc-root .container{padding:0 20px}}

/* TYPOGRAPHY */
.uba-tnc-root h1,.uba-tnc-root h2,.uba-tnc-root h3,.uba-tnc-root h4{font-family:var(--ff-display);color:var(--ink);text-wrap:balance;letter-spacing:-.02em}
.uba-tnc-root h1{font-weight:800;font-size:clamp(36px,4vw,52px);line-height:1.05;letter-spacing:-.03em}
.uba-tnc-root h2{font-weight:800;font-size:clamp(24px,2.4vw,30px);line-height:1.15;letter-spacing:-.02em;margin-top:64px;margin-bottom:20px;padding-bottom:14px;border-bottom:2px solid var(--c-primary);scroll-margin-top:96px}
.uba-tnc-root h2:first-of-type{margin-top:48px}
.uba-tnc-root h3{font-weight:700;font-size:19px;line-height:1.3;letter-spacing:-.012em;margin-top:32px;margin-bottom:12px}
.uba-tnc-root p{line-height:1.75;color:var(--ink-2);font-size:18px;margin-bottom:14px;text-wrap:pretty}

/* BUTTONS */
.uba-tnc-root .btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:var(--r-btn);font-family:var(--ff-display);font-weight:700;font-size:14px;letter-spacing:.02em;text-transform:uppercase;border:1.5px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s,color .15s,border-color .15s;white-space:nowrap}
.uba-tnc-root .btn .arr{font-family:var(--ff-body);font-weight:700;font-size:15px;transition:transform .15s}
.uba-tnc-root .btn:hover .arr{transform:translateX(3px)}
.uba-tnc-root .btn.primary{background:var(--c-primary);color:var(--c-primary-on);border-color:var(--c-primary)}
.uba-tnc-root .btn.primary:hover{background:var(--c-primary-2);border-color:var(--c-primary-2)}

/* LEGAL BODY LINKS */
.uba-tnc-root .legal-body a:not(.btn){color:var(--c-primary);border-bottom:1px solid rgba(191,10,48,.3);padding-bottom:1px;word-break:break-word}
.uba-tnc-root .legal-body a:not(.btn):hover{border-color:var(--c-primary)}

/* PAGE HEADER */
.uba-tnc-root .page-head{padding:120px 0 56px;background:var(--linen);position:relative;overflow:hidden;isolation:isolate;border-bottom:1px solid var(--rule)}
.uba-tnc-root .page-head::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(900px 500px at 92% -20%,rgba(191,10,48,.10),transparent 60%),radial-gradient(700px 460px at -8% 110%,rgba(0,40,104,.06),transparent 60%);pointer-events:none}
.uba-tnc-root .page-head .crumbs{display:flex;align-items:center;gap:10px;margin-bottom:24px;font-family:var(--ff-mono);font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);font-weight:600}
.uba-tnc-root .page-head .crumbs a{color:var(--c-primary)}
.uba-tnc-root .page-head .crumbs .sep{color:var(--rule-strong)}
.uba-tnc-root .page-head .tag{display:inline-block;margin-bottom:18px;font-family:var(--ff-mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--c-primary);font-weight:700;padding:5px 12px;border:1px solid rgba(191,10,48,.3);border-radius:999px;background:rgba(255,255,255,.6)}
.uba-tnc-root .page-head h1{max-width:760px;margin-bottom:18px}
.uba-tnc-root .page-head .effective{font-family:var(--ff-mono);font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-2);font-weight:600;display:inline-flex;align-items:center;gap:10px;padding:10px 16px;background:var(--paper);border:1px solid var(--rule);border-radius:999px;box-shadow:var(--sh-1)}
.uba-tnc-root .page-head .effective b{color:var(--c-primary)}

/* BODY LAYOUT */
.uba-tnc-root .legal-wrap{padding:64px 0 96px;background:var(--paper)}
.uba-tnc-root .legal-grid{display:grid;grid-template-columns:260px 1fr;gap:64px;align-items:start}
@media(max-width:980px){.uba-tnc-root .legal-grid{grid-template-columns:1fr;gap:36px}}

/* TOC */
.uba-tnc-root .legal-toc{position:sticky;top:184px;align-self:start;max-height:calc(100vh - 140px);overflow-y:auto;padding-right:8px}
.uba-tnc-root .legal-toc::-webkit-scrollbar{width:6px}
.uba-tnc-root .legal-toc::-webkit-scrollbar-thumb{background:var(--rule-strong);border-radius:3px}
@media(max-width:980px){.uba-tnc-root .legal-toc{position:static;background:var(--linen);border:1px solid var(--rule);border-radius:14px;padding:24px;max-height:none;overflow:visible}}
.uba-tnc-root .legal-toc .h{font-family:var(--ff-mono);font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:18px;padding-bottom:10px;border-bottom:1px solid var(--rule-strong)}
.uba-tnc-root .legal-toc ol{list-style:none;counter-reset:toc;display:flex;flex-direction:column;gap:6px}
.uba-tnc-root .legal-toc ol li{counter-increment:toc;display:flex;gap:10px;align-items:flex-start}
.uba-tnc-root .legal-toc ol li::before{content:counter(toc,decimal-leading-zero);font-family:var(--ff-mono);font-size:10px;letter-spacing:.12em;color:var(--c-primary);font-weight:700;margin-top:2px;flex-shrink:0;width:22px}
.uba-tnc-root .legal-toc ol li a{font-family:var(--ff-body);font-size:13.5px;line-height:1.45;color:var(--ink-2);font-weight:500;border-bottom:1px solid transparent;padding-bottom:1px;transition:.15s}
.uba-tnc-root .legal-toc ol li a:hover{color:var(--c-primary);border-color:rgba(191,10,48,.3)}

/* CONTENT BODY */
.uba-tnc-root .legal-body{max-width:760px}
.uba-tnc-root .legal-body>p:first-of-type{font-size:18px;line-height:1.75}
.uba-tnc-root .legal-body .intro-meta{font-family:var(--ff-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:600;padding-bottom:18px;border-bottom:1px solid var(--rule);margin-bottom:24px}
.uba-tnc-root .legal-body .intro-meta b{color:var(--ink);font-weight:600}

/* CONTACT BLOCK */
.uba-tnc-root .contact-block{background:var(--linen);border:1px solid var(--rule);border-radius:14px;padding:28px 32px;margin-top:24px}
.uba-tnc-root .contact-block .n{font-family:var(--ff-mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--c-primary);font-weight:700;margin-bottom:12px}
.uba-tnc-root .contact-block .legal{font-family:var(--ff-display);font-weight:700;font-size:18px;color:var(--ink);line-height:1.45;margin-bottom:14px}
.uba-tnc-root .contact-block .meta{font-size:18px;line-height:1.8;color:var(--ink-2)}
.uba-tnc-root .s-head p{font-size:20px}