.terminos-page {
    padding: 55px 20px 75px;
    background: #f5f8fc;
    color: #243247;
    min-height: 70vh;
}

.terminos-hero {
    max-width: 850px;
    margin: 0 auto 42px;
    text-align: center;
}

.terminos-etiqueta {
    display: inline-block;
    padding: 7px 14px;
    margin-bottom: 16px;
    border-radius: 30px;
    background: #e6efff;
    color: #175cd3;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1px;
}

.terminos-hero h1 {
    margin: 0 0 16px;
    color: #102a56;
    font-size: clamp(30px, 4vw, 42px);
    font-weight: 800;
    line-height: 1.2;
}

.terminos-hero > p {
    max-width: 700px;
    margin: 0 auto 15px;
    color: #63738a;
    font-size: 16px;
    line-height: 1.8;
}

.terminos-actualizacion {
    color: #8491a3;
    font-size: 12px;
}

.terminos-layout {
    display: grid;
    grid-template-columns: 235px minmax(0, 1fr);
    gap: 28px;
    max-width: 1120px;
    margin: 0 auto;
    align-items: start;
}

.terminos-indice {
    position: sticky;
    top: 25px;
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 22px 17px;
    border: 1px solid #e5ebf3;
    border-radius: 14px;
    background: #fff;
    box-shadow: 0 8px 25px rgba(23, 48, 86, 0.04);
}

.terminos-indice h2 {
    margin: 0 0 12px;
    color: #102a56;
    font-size: 17px;
    font-weight: 750;
}

.terminos-indice a {
    padding: 9px 10px;
    border-radius: 7px;
    color: #52647b;
    font-size: 12px;
    line-height: 1.5;
    text-decoration: none;
    transition: background 0.2s, color 0.2s;
}

.terminos-indice a:hover {
    background: #edf4ff;
    color: #175cd3;
}

.terminos-contenido {
    min-width: 0;
    padding: 35px;
    border: 1px solid #e5ebf3;
    border-radius: 16px;
    background: #fff;
    box-shadow: 0 10px 35px rgba(23, 48, 86, 0.05);
}

.terminos-intro {
    padding: 20px 22px;
    margin-bottom: 30px;
    border-left: 4px solid #2875df;
    border-radius: 0 10px 10px 0;
    background: #f2f7ff;
}

.terminos-intro p {
    margin: 0 0 12px;
    color: #52647b;
    font-size: 14px;
    line-height: 1.9;
}

.terminos-intro p:last-child {
    margin-bottom: 0;
}

.terminos-seccion {
    padding: 0 0 27px;
    margin-bottom: 28px;
    border-bottom: 1px solid #e9eef5;
    scroll-margin-top: 25px;
}

.terminos-seccion:last-of-type {
    margin-bottom: 0;
}

.terminos-seccion h2 {
    margin: 0 0 17px;
    color: #102a56;
    font-size: 21px;
    font-weight: 750;
    line-height: 1.4;
}

.terminos-seccion h3 {
    margin: 22px 0 10px;
    color: #284a78;
    font-size: 15px;
    font-weight: 750;
    line-height: 1.5;
}

.terminos-seccion p,
.terminos-seccion li {
    color: #5d6c80;
    font-size: 14px;
    line-height: 1.9;
}

.terminos-seccion p {
    margin: 0 0 15px;
}

.terminos-seccion p:last-child {
    margin-bottom: 0;
}

.terminos-seccion ul {
    padding-left: 22px;
    margin: 12px 0 18px;
}

.terminos-seccion li {
    padding-left: 4px;
    margin-bottom: 8px;
}

.terminos-seccion strong {
    color: #34465d;
}

.terminos-seccion a {
    color: #1764c0;
    font-weight: 600;
    overflow-wrap: anywhere;
    text-decoration: none;
}

.terminos-seccion a:hover {
    text-decoration: underline;
}

.terminos-datos {
    padding: 18px 20px;
    margin: 18px 0;
    border: 1px solid #e4ebf4;
    border-radius: 10px;
    background: #fbfcfe;
}

.terminos-datos p {
    margin-bottom: 10px;
    overflow-wrap: anywhere;
}

.terminos-datos p:last-child {
    margin-bottom: 0;
}

.terminos-pie {
    display: flex;
    gap: 14px;
    align-items: center;
    padding: 20px;
    margin-top: 28px;
    border-radius: 12px;
    background: #edf4ff;
    color: #1754a1;
}

.terminos-pie i {
    flex-shrink: 0;
    font-size: 24px;
}

.terminos-pie p {
    margin: 0;
    font-size: 13px;
    line-height: 1.7;
}

@media (max-width: 850px) {
    .terminos-layout {
        grid-template-columns: 1fr;
        max-width: 720px;
    }

    .terminos-indice {
        position: static;
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 5px;
    }

    .terminos-indice h2 {
        grid-column: 1 / -1;
    }

    .terminos-contenido {
        padding: 28px;
    }
}

@media (max-width: 560px) {
    .terminos-page {
        padding: 35px 14px 45px;
    }

    .terminos-hero {
        margin-bottom: 28px;
    }

    .terminos-hero h1 {
        font-size: 30px;
    }

    .terminos-hero > p {
        font-size: 14px;
    }

    .terminos-indice {
        padding: 16px 12px;
    }

    .terminos-indice a {
        padding: 8px 6px;
        font-size: 11px;
    }

    .terminos-contenido {
        padding: 22px 17px;
    }

    .terminos-intro {
        padding: 16px;
    }

    .terminos-seccion h2 {
        font-size: 19px;
    }

    .terminos-seccion p,
    .terminos-seccion li {
        font-size: 13px;
    }

    .terminos-datos {
        padding: 15px;
    }
}