.terms-hero {
  background: var(--dark-blue);
  color: var(--white);
  padding: 88px 0 56px;
  position: relative;
  overflow: hidden;
}
.terms-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(180deg, rgba(0,0,0,1), rgba(0,0,0,0.2));
}
.terms-hero .container { position: relative; }
.terms-hero .kicker { color: var(--light-orange); }
.terms-hero h1 {
  color: var(--white);
  font-size: 52px;
  max-width: 820px;
  margin-bottom: 18px;
}
.terms-hero p.lede {
  font-size: 18px;
  color: rgba(255,255,255,0.78);
  max-width: 720px;
  margin-bottom: 28px;
}
.terms-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.14);
  margin-top: 8px;
}
.terms-meta-item {
  font-family: 'Source Code Pro', monospace;
  font-size: 12px;
  color: rgba(255,255,255,0.6);
  letter-spacing: 1.6px;
  text-transform: uppercase;
}
.terms-meta-item strong {
  display: block;
  font-family: 'Manrope', sans-serif;
  font-weight: 700;
  font-size: 15px;
  color: var(--white);
  letter-spacing: 0;
  text-transform: none;
  margin-top: 4px;
}

.terms-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 64px;
  padding: 72px 0 96px;
  align-items: start;
}
@media (max-width: 960px) {
  .terms-layout { grid-template-columns: 1fr; gap: 32px; padding-top: 48px; }
}

.toc {
  position: sticky;
  top: 96px;
  max-height: calc(100vh - 120px);
  overflow-y: auto;
  padding-right: 12px;
  border-left: 2px solid var(--card-border);
  padding-left: 20px;
}
.toc-label {
  font-family: 'Source Code Pro', monospace;
  font-size: 11px;
  letter-spacing: 2px;
  color: var(--orange);
  text-transform: uppercase;
  margin-bottom: 18px;
}
.toc ol { list-style: none; padding: 0; margin: 0; }
.toc li { margin-bottom: 10px; }
.toc a {
  display: block;
  font-family: 'Manrope', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  padding: 4px 0;
  transition: color 0.15s;
  line-height: 1.4;
}
.toc a:hover { color: var(--dark-blue); }
.toc a .num {
  font-family: 'Source Code Pro', monospace;
  font-size: 11px;
  color: var(--orange);
  margin-right: 8px;
}
@media (max-width: 960px) {
  .toc {
    position: static;
    max-height: none;
    border-left: none;
    border-top: 2px solid var(--card-border);
    padding: 20px 0 0;
  }
  .toc ol { columns: 2; column-gap: 24px; }
}

.terms-body { max-width: 780px; }
.terms-body section { margin-bottom: 56px; scroll-margin-top: 90px; }
.terms-body h2 {
  font-size: 28px;
  margin-bottom: 8px;
}
.terms-body h2 .sec-num {
  display: block;
  font-family: 'Source Code Pro', monospace;
  font-size: 12px;
  color: var(--orange);
  font-weight: 500;
  letter-spacing: 2px;
  margin-bottom: 10px;
}
.terms-body h3 {
  font-size: 18px;
  color: var(--dark-blue);
  margin: 32px 0 10px;
}
.terms-body h4 {
  font-size: 15px;
  color: var(--dark-blue);
  margin: 22px 0 8px;
  font-family: 'Manrope', sans-serif;
  font-weight: 700;
}
.terms-body p {
  font-size: 15.5px;
  line-height: 1.75;
  color: var(--text-gray);
  margin-bottom: 16px;
}
.terms-body ul, .terms-body ol {
  margin: 10px 0 18px 22px;
  padding: 0;
}
.terms-body li {
  font-size: 15px;
  line-height: 1.7;
  color: var(--text-gray);
  margin-bottom: 8px;
  padding-left: 4px;
}
.terms-body li::marker { color: var(--orange); }
.terms-body li strong { color: var(--dark-blue); font-weight: 700; }
.terms-body a { font-weight: 600; }

.def-list {
  list-style: none;
  margin: 10px 0 18px;
  padding: 0;
}
.def-list li {
  padding: 12px 0;
  border-bottom: 1px solid var(--card-border);
  font-size: 15px;
  line-height: 1.65;
}
.def-list li:last-child { border-bottom: none; }
.def-list .term {
  font-family: 'Manrope', sans-serif;
  font-weight: 700;
  color: var(--dark-blue);
  display: inline-block;
  margin-right: 4px;
}
.def-list .term::after { content: '—'; color: var(--orange); margin: 0 8px 0 6px; font-weight: 500; }

/* Grid items default to min-width:auto, so the Schedule A table's min-width would
   otherwise widen the whole column and push the page sideways on mobile. */
.terms-layout > * { min-width: 0; }
.sched-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 22px 0 24px;
}
.sched-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
  line-height: 1.55;
  min-width: 640px;
}
.sched-table thead th {
  text-align: left;
  font-family: 'Source Code Pro', monospace;
  font-size: 11px;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  color: var(--orange);
  font-weight: 600;
  padding: 14px 18px;
  background: var(--off-white);
  border-bottom: 1px solid var(--card-border);
  white-space: nowrap;
}
.sched-table tbody th {
  text-align: left;
  font-weight: 700;
  color: var(--dark-blue);
  padding: 14px 18px;
  vertical-align: top;
  width: 24%;
  border-bottom: 1px solid var(--card-border);
}
.sched-table tbody td {
  padding: 14px 18px;
  vertical-align: top;
  color: var(--text-gray);
  border-bottom: 1px solid var(--card-border);
}
.sched-table tbody tr:last-child th,
.sched-table tbody tr:last-child td { border-bottom: none; }
.sched-table tbody tr:hover th,
.sched-table tbody tr:hover td { background: #fafaf7; }
.sched-col-phi { width: 168px; }
.sched-yes,
.sched-no {
  display: inline-block;
  font-family: 'Source Code Pro', monospace;
  font-size: 11px;
  letter-spacing: 1.2px;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 999px;
  text-transform: uppercase;
}
.sched-yes {
  color: var(--orange);
  background: rgba(230, 120, 40, 0.10);
  border: 1px solid rgba(230, 120, 40, 0.28);
}
.sched-no {
  color: var(--dark-blue);
  background: rgba(10, 35, 100, 0.06);
  border: 1px solid rgba(10, 35, 100, 0.14);
}
.sched-note {
  display: block;
  margin-top: 6px;
  font-size: 12.5px;
  color: var(--text-gray);
}

.callout {
  background: var(--off-white);
  border-left: 4px solid var(--orange);
  border-radius: 0 10px 10px 0;
  padding: 20px 24px;
  margin: 20px 0 24px;
}
.callout p { margin-bottom: 0; font-size: 14.5px; }
.callout .callout-label {
  font-family: 'Source Code Pro', monospace;
  font-size: 11px;
  letter-spacing: 1.8px;
  color: var(--orange);
  text-transform: uppercase;
  display: block;
  margin-bottom: 6px;
  font-weight: 600;
}

.terms-cta { background: var(--off-white); border-top: 1px solid var(--card-border); }