.terms-and-conditions-page .terms-text {
  border: 1px solid black;
  padding: 10px;
  margin-bottom: 10px;
  margin-top: 10px;
}
.terms-and-conditions-page .terms-text li {
  padding-top: 10px;
}
.terms-and-conditions-page .effective-date {
  margin-bottom: 10px;
  font-weight: bold;
  display: block;
}