.terms-page { background: #fff; }
.terms-header { position: relative; display: flex; min-height: 5rem; align-items: center; justify-content: space-between; gap: 1rem; padding: .75rem max(1rem, calc((100% - var(--shell))/2)); background: var(--navy-deep); color: #fff; }
.terms-header__nav { display: flex; align-items: center; gap: 1rem; }
.terms-header__nav > a { display: none; font-weight: 750; text-decoration: none; }
.terms-hero { padding-block: clamp(4rem, 9vw, 7rem); background: var(--navy); color: #fff; }
.terms-hero__grid { display: grid; gap: 2rem; }
.terms-hero h1 { max-width: 760px; font-size: clamp(2.8rem, 8vw, 5.8rem); }
.terms-hero .lead { color: rgba(255,255,255,.8); }
.terms-draft-note { margin-top: 1.5rem; padding: 1rem; border-left: .3rem solid var(--coral); background: rgba(255,255,255,.08); color: rgba(255,255,255,.82); }
.terms-layout { display: grid; gap: clamp(3rem, 7vw, 6rem); padding-block: clamp(3rem, 8vw, 6rem); }
.terms-toc { align-self: start; padding: 1.25rem; border: 1px solid var(--line); border-radius: .75rem; background: var(--cream); }
.terms-toc strong { font: 750 1.35rem/1.1 ui-serif, Georgia, serif; color: var(--navy); }
.terms-toc ol { margin: 1rem 0 0; padding-left: 1.35rem; }
.terms-toc li + li { margin-top: .45rem; }
.terms-toc a { color: var(--muted); text-underline-offset: .2rem; }
.terms-content { min-width: 0; }
.terms-section { padding-block: 0 3rem; scroll-margin-top: 1rem; }
.terms-section + .terms-section { padding-top: 3rem; border-top: 1px solid var(--line); }
.terms-section h2 { font-size: clamp(2rem, 5vw, 3rem); color: var(--navy); }
.terms-section p, .terms-section li { max-width: 760px; }
.terms-section ul { padding-left: 1.3rem; }
.terms-section li + li { margin-top: .55rem; }
.terms-note { padding: 1rem; border-left: .25rem solid var(--coral); background: var(--cream); color: var(--muted); }
.terms-contact { padding-block: clamp(4rem, 9vw, 7rem); background: var(--navy); color: #fff; }
.terms-contact h2 { max-width: 760px; }
.terms-contact p { max-width: 680px; color: rgba(255,255,255,.76); }
.terms-footer { display: grid; gap: 1.5rem; }
.terms-footer nav { display: flex; flex-wrap: wrap; gap: .75rem 1.25rem; }
.terms-footer nav a { min-height: 2.75rem; display: inline-flex; align-items: center; color: #d7e5e2; text-underline-offset: .25rem; }
@media (min-width: 760px) {
    .terms-header__nav > a { display: inline-flex; min-height: 2.75rem; align-items: center; }
    .terms-hero__grid { grid-template-columns: minmax(0,1fr) minmax(0,.85fr); align-items: start; }
    .terms-layout { grid-template-columns: minmax(13rem,.34fr) minmax(0,1fr); }
    .terms-toc { position: sticky; top: 1rem; max-height: calc(100vh - 2rem); overflow: auto; }
    .terms-footer { grid-template-columns: auto 1fr auto; align-items: start; }
}
@media (max-width: 430px) {
    .terms-header { align-items: flex-start; }
    .terms-hero { padding-top: 3.5rem; }
    .terms-toc { padding: 1rem; }
}