Initial Hugo skeleton, adapted from michaelferrara-site

Fantasy Michigan theme (forest green / lake teal / birch parchment).
Reader-magnet content is placeholder pending Cate's story and cover art.

content/terms.md

@@ -0,0 +1,39 @@
+---
+title: "Terms of Use"
+description: "Terms for using cateconners.com and its free short story."
+---
+
+_Last updated: July 2026_
+
+These terms cover using cateconners.com, its free short story, and
+submitting the contact form.
+
+## Using this site
+
+This site and its free short story are provided as-is, for entertainment
+purposes.
+
+## The short story
+
+The story belongs to Cate Conners. You're welcome to read and enjoy it;
+you're not entitled to redistribute, resell, or republish it without
+asking first.
+
+## No warranty
+
+This site and its content are provided without warranties of any kind,
+express or implied.
+
+## Liability
+
+To the extent the law allows, Cate Conners isn't liable for damages
+arising from your use of this site or its content.
+
+## Changes
+
+These terms may be updated as the site changes. Material changes will
+update the date at the top of this page.
+
+## Questions
+
+[Get in touch](/contact/).