.terms-page { min-height: calc(100vh - var(--header-height)); background: #f5f8fb; color: var(--navy-strong); }
.terms-hero { padding: 72px 0 54px; color: #fff; background: linear-gradient(135deg, #102a43, #1d4d6d); }
.terms-hero h1 { max-width: 820px; margin: 10px 0 16px; font-size: clamp(30px, 5vw, 50px); line-height: 1.35; }
.terms-hero p { max-width: 850px; margin: 0; color: #d9e7f1; font-size: 16px; line-height: 2; }
.terms-layout { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: 28px; padding-block: 42px 70px; align-items: start; }
.terms-nav { position: sticky; top: calc(var(--header-height) + 18px); max-height: calc(100vh - var(--header-height) - 36px); overflow: auto; padding: 20px; border: 1px solid #d9e3ec; border-radius: 12px; background: #fff; box-shadow: 0 10px 30px rgba(16,42,67,.07); }
.terms-nav strong { display: block; margin-bottom: 12px; font-size: 15px; }
.terms-nav ol { display: grid; gap: 7px; margin: 0; padding-right: 20px; color: #60758a; font-size: 12px; }
.terms-nav a { transition: color .2s ease; }
.terms-nav a:hover { color: #0b7fab; }
.terms-document { overflow: hidden; border: 1px solid #d9e3ec; border-radius: 14px; background: #fff; box-shadow: 0 16px 45px rgba(16,42,67,.08); }
.terms-intro { padding: 28px 34px; color: #3b5268; background: #edf6fa; border-bottom: 1px solid #d9e3ec; }
.terms-document section { padding: 28px 34px; scroll-margin-top: calc(var(--header-height) + 18px); }
.terms-document section + section { border-top: 1px solid #e3eaf0; }
.terms-document h2 { margin: 0 0 18px; color: #102a43; font-size: 21px; }
.terms-document p, .terms-document li, .terms-document dd { color: #3e5265; font-size: 14px; line-height: 2.05; }
.terms-document p { margin: 0 0 10px; }
.terms-document ol, .terms-document ul { display: grid; gap: 9px; margin: 0; padding-right: 22px; }
.terms-document dl { display: grid; grid-template-columns: 130px 1fr; gap: 14px 18px; margin: 0; }
.terms-document dt { color: #102a43; font-weight: 800; }
.terms-document dd { margin: 0; }
.terms-document blockquote { margin: 0; padding: 22px 24px; color: #173f5f; border-right: 4px solid #0b91bd; border-radius: 10px; background: #eaf7fb; font-size: 15px; font-weight: 700; line-height: 2.1; }
@media (max-width: 900px) { .terms-layout { grid-template-columns: 1fr; } .terms-nav { position: static; max-height: none; } }
@media (max-width: 600px) { .terms-hero { padding: 48px 0 38px; } .terms-layout { padding-block: 22px 48px; } .terms-document section, .terms-intro { padding: 22px 18px; } .terms-document dl { grid-template-columns: 1fr; gap: 5px; } }