/* ── LAYOUT ── */
.terminos-section {
  padding: 72px 0 100px;
  background: #fff;
}

.terminos-layout {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 48px;
  align-items: start;
}

/* ── SIDEBAR ── */
.terminos-sidebar {
  position: sticky;
  top: 90px;
}

.terminos-indice {
  background: #f8f9fb;
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  padding: 24px 0;
  overflow: hidden;
}

.terminos-indice h3 {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #6b7280;
  padding: 0 20px 14px;
  border-bottom: 1px solid #e5e7eb;
  margin-bottom: 8px;
}

.indice-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 9px 20px;
  text-decoration: none;
  color: #374151;
  font-size: 0.83rem;
  line-height: 1.4;
  transition: background 0.15s, color 0.15s;
  border-left: 3px solid transparent;
}

.indice-item:hover {
  background: #eef1f7;
  color: var(--color-primary);
}

.indice-item.active {
  background: rgba(0,44,106,0.07);
  color: var(--color-primary);
  border-left-color: var(--color-primary);
  font-weight: 600;
}

.indice-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  background: var(--color-primary);
  color: white;
  font-size: 0.72rem;
  font-weight: 700;
  border-radius: 6px;
  flex-shrink: 0;
}

.indice-item.active .indice-num {
  background: var(--color-primary);
}

/* ── CONTENIDO ── */
.terminos-content {
  min-width: 0;
}

.terminos-intro {
  font-size: 0.97rem;
  color: var(--color-text);
  line-height: 1.8;
  margin-bottom: 40px;
  padding: 20px 24px;
  background: rgba(0,44,106,0.04);
  border-left: 4px solid var(--color-primary);
  border-radius: 0 10px 10px 0;
}

.termino-bloque {
  margin-bottom: 44px;
  padding-bottom: 44px;
  border-bottom: 1px solid #e5e7eb;
  scroll-margin-top: 100px;
}

.termino-bloque:last-of-type {
  border-bottom: none;
}

.termino-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
}

.termino-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--color-primary);
  color: white;
  font-size: 0.85rem;
  font-weight: 700;
  border-radius: 10px;
  flex-shrink: 0;
}

.termino-header h2 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-primary);
  text-transform: uppercase;
  letter-spacing: 0.03em;
  margin: 0;
}

.termino-bloque p {
  color: var(--color-text);
  line-height: 1.75;
  margin-bottom: 12px;
  font-size: 0.96rem;
}

.termino-bloque ul {
  margin: 10px 0 14px 0;
  padding-left: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.termino-bloque ul li {
  padding-left: 18px;
  position: relative;
  color: var(--color-text);
  line-height: 1.65;
  font-size: 0.96rem;
}

.termino-bloque ul li::before {
  content: '–';
  position: absolute;
  left: 0;
  color: var(--color-primary);
  font-weight: 700;
}

.termino-aviso {
  background: rgba(0,44,106,0.05);
  border: 1px solid rgba(0,44,106,0.14);
  border-radius: 10px;
  padding: 18px 22px;
  margin-top: 14px;
}

.termino-aviso p {
  font-size: 0.93rem;
  margin-bottom: 8px;
}

.termino-aviso p:last-child { margin-bottom: 0; }

.termino-declaracion {
  background: var(--color-primary);
  color: white;
  border-radius: 16px;
  padding: 32px 36px;
  margin-top: 40px;
}

.termino-declaracion h3 {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--color-accent);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 10px;
}

.termino-declaracion p {
  color: rgba(255,255,255,0.88);
  line-height: 1.75;
  font-size: 0.96rem;
}

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .terminos-layout {
    grid-template-columns: 1fr;
  }
  .terminos-sidebar {
    position: static;
  }
  .terminos-indice {
    padding: 20px 0;
  }
}

@media (max-width: 640px) {
  .terminos-section { padding: 48px 0 72px; }
  .termino-declaracion { padding: 24px 20px; }
  .terminos-intro { padding: 16px 18px; }
}