.disclaimer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 42, 74, 0.45);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  z-index: 9999;
  animation: disclaimer-fade 0.18s ease-out;
}
@keyframes disclaimer-fade { from { opacity: 0; } to { opacity: 1; } }

.disclaimer-dialog {
  background: #ffffff;
  border-radius: 16px;
  max-width: 520px;
  width: 100%;
  max-height: calc(100vh - 40px);
  display: flex;
  flex-direction: column;
  box-shadow: 0 25px 50px -12px rgba(15, 42, 74, 0.35);
  font-family: 'DM Sans', sans-serif;
  color: #0f2a4a;
}
.disclaimer-header {
  padding: 22px 24px 12px;
  border-bottom: 1px solid #e5e9f0;
}
.disclaimer-header h2 {
  font-size: 18px;
  font-weight: 800;
  color: #0f2a4a;
  letter-spacing: -0.3px;
  margin: 0;
}
.disclaimer-body {
  padding: 18px 24px;
  font-size: 13px;
  line-height: 1.6;
  color: #475569;
  font-weight: 500;
  overflow-y: auto;
}
.disclaimer-footer {
  padding: 16px 24px 22px;
  display: flex;
  justify-content: flex-end;
}
.disclaimer-ok-btn {
  background: #0f2a4a;
  color: #ffffff;
  border: none;
  border-radius: 10px;
  padding: 12px 28px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.1s ease;
}
.disclaimer-ok-btn:hover { background: #1e40af; }
.disclaimer-ok-btn:active { transform: translateY(1px); }
.disclaimer-ok-btn:focus-visible { outline: 3px solid #3b82f6; outline-offset: 2px; }

@media (max-width: 480px) {
  .disclaimer-dialog { border-radius: 14px; }
  .disclaimer-header { padding: 18px 18px 10px; }
  .disclaimer-body { padding: 14px 18px; font-size: 12.5px; }
  .disclaimer-footer { padding: 14px 18px 18px; }
}