.terms-shell{display:flex;flex-direction:column;gap:2.5rem}.terms-header{margin-bottom:1.5rem}.terms-grid{display:grid;grid-template-columns:minmax(0,0.9fr) minmax(0,1.6fr);gap:3rem;margin-top:1.5rem}.terms-nav{border-radius:1.5rem;border:1px solid var(--color-border);background:rgba(255,255,255,0.9);padding:1.75rem;align-self:flex-start;position:sticky;top:calc(var(--nav-height) + 1.5rem)}.terms-nav-title{font-size:var(--font-size-xs);letter-spacing:0.18em;text-transform:uppercase;color:var(--color-text-muted);margin-bottom:0.9rem}.terms-nav-list{display:flex;flex-direction:column;gap:0.35rem;font-size:var(--font-size-sm)}.terms-nav-list a{color:var(--color-text-soft);border-radius:999px;padding:0.4rem 0.75rem;display:inline-flex;transition:background-color var(--transition-normal),color var(--transition-normal),transform var(--transition-fast)}.terms-nav-list a:hover{background:rgba(11,59,94,0.04);color:var(--color-primary);transform:translateX(1px)}.terms-cta{margin-top:1.75rem;padding-top:1.2rem;border-top:1px solid var(--color-border-soft);font-size:var(--font-size-sm)}.terms-cta h3{font-size:var(--font-size-sm);text-transform:uppercase;letter-spacing:0.16em;margin-bottom:0.4rem}.terms-cta p{font-size:var(--font-size-xs);margin-bottom:0.7rem}.terms-content{display:flex;flex-direction:column;gap:2.5rem;font-size:var(--font-size-sm)}.terms-section h2{font-size:var(--font-size-xl);margin-bottom:0.75rem}.terms-section p{font-size:var(--font-size-sm);margin-bottom:0.75rem}.terms-section ul{margin-bottom:0.75rem;padding-left:1.1rem;list-style:disc}.terms-section li{margin-bottom:0.35rem;color:var(--color-text-soft);font-size:var(--font-size-sm)}.terms-section a{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:0.15em}.terms-section a:hover{text-decoration:none}.terms-section:last-of-type{padding-bottom:0.5rem}@media (max-width:960px){.terms-grid{grid-template-columns:1fr;gap:2rem}.terms-nav{position:static;order:2}.terms-content{order:1}}@media (max-width:640px){.terms-shell{gap:2rem}.terms-nav{padding:1.25rem;border-radius:1.25rem}.terms-section h2{font-size:var(--font-size-lg)}}