*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#f4f5f7;color:#15171c;font-family:'Inter',ui-sans-serif,system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;line-height:1.65;font-size:17px}
a{color:#284579}
a:hover{color:#3a5da8}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:8px;top:8px;background:#15171c;color:#fff;padding:8px 12px;border-radius:6px;z-index:10}
.site-header{border-bottom:1px solid #c7cbd4;background:#ffffff;position:sticky;top:0;z-index:5}
.site-header .wrap{max-width:760px;margin:0 auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.brand{font-weight:800;letter-spacing:-0.02em;font-size:18px;color:#15171c;text-decoration:none;display:inline-flex;align-items:center;gap:8px}
.brand .dot{width:9px;height:9px;border-radius:50%;background:#3a5da8;display:inline-block}
.site-nav a{margin-left:18px;font-size:15px;font-weight:600;text-decoration:none;color:#343842}
.site-nav a:hover{color:#3a5da8}
main{max-width:760px;margin:0 auto;padding:32px 20px 8px}
main h1{font-size:clamp(28px,5vw,38px);line-height:1.18;letter-spacing:-0.02em;margin:0 0 .5em}
main h2{font-size:clamp(21px,3.5vw,26px);line-height:1.25;margin:1.8em 0 .5em;letter-spacing:-0.01em}
main h3{font-size:19px;margin:1.4em 0 .4em}
main p,main li{font-size:17px}
main ul,main ol{padding-left:1.3em}
main li{margin:.3em 0}
main table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:15px}
main th,main td{border:1px solid #c7cbd4;padding:8px 10px;text-align:left;vertical-align:top}
main th{background:#dfe2e8}
main blockquote{margin:1.2em 0;padding:.6em 1.1em;border-left:4px solid #3a5da8;background:#dde5f3;border-radius:0 8px 8px 0}
main code{background:#dfe2e8;padding:.1em .35em;border-radius:4px;font-size:.9em}
main dl dt{font-weight:700;margin-top:1em}
main dl dd{margin:.2em 0 0;padding-left:0}
.post-meta{color:#5d626d;font-size:14px;margin:-.2em 0 1.5em}
.article-list{list-style:none;padding:0;margin:1.5em 0 0}
.article-list li{margin:0 0 22px;padding:0 0 22px;border-bottom:1px solid #c7cbd4}
.article-list h2{margin:0 0 .25em;font-size:21px}
.article-list h2 a{text-decoration:none}
.article-list .lede{margin:.25em 0 0;color:#343842}
.article-list time{display:block;color:#5d626d;font-size:13px;margin-bottom:.2em}
.related{margin-top:2.5em;padding-top:1.2em;border-top:1px solid #c7cbd4}
.related h2{font-size:18px;margin:0 0 .5em}
.related ul{margin:0;padding-left:1.2em}
.site-footer{max-width:760px;margin:40px auto 0;padding:24px 20px 48px;border-top:1px solid #c7cbd4;color:#5d626d;font-size:14px}
.site-footer nav a{margin-right:16px;text-decoration:none;color:#343842;font-weight:600}
.site-footer p{margin:.6em 0 0}

/* Terms page · scoped to .sofi-terms
   Tokens (--paper, --ink, --accent, --font-display, --font-ui, --font-mono,
   --ok, --danger, --rule, ...) are inherited from web/src/styles.css. */

.sofi-terms {
  background: var(--paper);
  color: var(--ink);
  font-size: 15.5px;
  line-height: 1.65;
  min-height: 100vh;
}

.sofi-terms *,
.sofi-terms *::before,
.sofi-terms *::after {
  box-sizing: border-box;
}

.sofi-terms svg {
  display: block;
}

/* ---------- container ---------- */
.sofi-terms .th-container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 32px;
}

/* ---------- HEADER (sticky nav) ---------- */
.sofi-terms .th-nav {
  position: sticky;
  top: 0;
  z-index: 50;
  background: color-mix(in srgb, var(--paper) 92%, transparent);
  backdrop-filter: saturate(140%) blur(8px);
  -webkit-backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid var(--rule);
}

.sofi-terms .th-nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  height: 64px;
}

.sofi-terms .th-brand {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  color: var(--ink);
  flex-shrink: 0;
}

.sofi-terms .th-title {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 600;
  letter-spacing: -.01em;
  color: var(--ink-2);
  margin: 0;
  text-align: center;
  flex: 1;
}

.sofi-terms .th-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-ui);
  font-size: 13.5px;
  font-weight: 500;
  color: var(--ink-2);
  text-decoration: none;
  padding: 8px 14px;
  border-radius: var(--radius);
  border: 1px solid var(--rule);
  background: var(--paper);
  transition: background .15s ease, border-color .15s ease, color .15s ease;
  flex-shrink: 0;
}

.sofi-terms .th-back:hover {
  background: var(--paper-2);
  border-color: var(--ink-4);
  color: var(--ink);
}

/* ---------- BODY layout ---------- */
.sofi-terms .th-body {
  padding: 40px 32px 80px;
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 48px;
  align-items: start;
}

/* ---------- TOC ---------- */
.sofi-terms .th-toc {
  position: sticky;
  top: 88px;
  max-height: calc(100vh - 110px);
  overflow-y: auto;
  font-size: 12.5px;
  line-height: 1.45;
  padding-right: 8px;
  border-right: 1px solid var(--rule);
}

.sofi-terms .th-toc h2 {
  font-size: 10.5px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ink-4);
  font-weight: 600;
  margin: 0 0 10px;
  font-family: var(--font-ui);
}

.sofi-terms .th-toc ol {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
  counter-reset: toc;
}

.sofi-terms .th-toc li {
  margin: 0;
}

.sofi-terms .th-toc a {
  display: block;
  padding: 4px 6px;
  color: var(--ink-3);
  text-decoration: none;
  border-radius: 3px;
  transition: background .12s ease, color .12s ease;
}

.sofi-terms .th-toc a:hover,
.sofi-terms .th-toc a:focus-visible {
  background: var(--paper-2);
  color: var(--ink);
  outline: none;
}

/* ---------- DOCUMENT ---------- */
.sofi-terms .th-doc {
  max-width: 760px;
  font-family: var(--font-ui);
  color: var(--ink-2);
}

.sofi-terms .th-doc h1 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -.02em;
  font-size: clamp(28px, 3.6vw, 38px);
  line-height: 1.15;
  color: var(--ink);
  margin: 0 0 18px;
}

.sofi-terms .th-doc h2 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -.015em;
  font-size: 24px;
  line-height: 1.25;
  color: var(--ink);
  margin: 32px 0 12px;
  scroll-margin-top: 88px;
}

.sofi-terms .th-doc h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 19px;
  line-height: 1.3;
  color: var(--ink);
  margin: 24px 0 10px;
  scroll-margin-top: 88px;
}

.sofi-terms .th-doc h4 {
  font-family: var(--font-ui);
  font-weight: 600;
  font-size: 15px;
  line-height: 1.4;
  color: var(--ink);
  margin: 20px 0 8px;
  text-transform: none;
  letter-spacing: 0;
}

.sofi-terms .th-doc p {
  margin: 0 0 14px;
  color: var(--ink-2);
}

.sofi-terms .th-doc strong {
  color: var(--ink);
  font-weight: 600;
}

.sofi-terms .th-doc em {
  font-style: italic;
  color: var(--ink-2);
}

.sofi-terms .th-doc code {
  font-family: var(--font-mono);
  font-size: .88em;
  padding: 1px 5px;
  background: var(--paper-2);
  border: 1px solid var(--rule-2);
  border-radius: 3px;
  color: var(--ink);
  word-break: break-word;
}

.sofi-terms .th-doc ul,
.sofi-terms .th-doc ol {
  padding-left: 22px;
  margin: 0 0 16px;
}

.sofi-terms .th-doc li {
  margin: 0 0 8px;
}

.sofi-terms .th-doc blockquote {
  margin: 16px 0;
  padding: 12px 16px;
  background: var(--paper-2);
  border-left: 3px solid var(--accent);
  color: var(--ink-2);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.sofi-terms .th-doc blockquote p {
  margin: 0;
}

.sofi-terms .th-doc blockquote em {
  color: var(--ink-3);
}

.sofi-terms .th-doc hr {
  border: 0;
  border-top: 1px solid var(--rule);
  margin: 32px 0;
}

/* ---------- TABLES ---------- */
.sofi-terms .th-doc table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0 20px;
  font-size: 13.5px;
  line-height: 1.5;
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  overflow: hidden;
}

.sofi-terms .th-doc thead {
  background: var(--paper-3);
}

.sofi-terms .th-doc th {
  text-align: left;
  font-size: 10.5px;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-2);
  font-weight: 600;
  padding: 10px 12px;
  border-bottom: 1px solid var(--rule);
  vertical-align: top;
}

.sofi-terms .th-doc td {
  padding: 10px 12px;
  border-bottom: 1px solid var(--rule-2);
  vertical-align: top;
  color: var(--ink-2);
}

.sofi-terms .th-doc tbody tr:nth-child(even) td {
  background: var(--paper-2);
}

.sofi-terms .th-doc tbody tr:last-child td {
  border-bottom: none;
}

/* ---------- CLAUSE sections ---------- */
.sofi-terms .th-doc .cl {
  margin: 0 0 12px;
  scroll-margin-top: 88px;
}

.sofi-terms .th-doc .cl + hr + .cl {
  margin-top: 0;
}

/* ---------- end ---------- */
.sofi-terms .th-doc .th-end {
  margin: 32px 0 24px;
  padding: 18px 20px;
  background: var(--paper-2);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  text-align: center;
  color: var(--ink-2);
}

/* ---------- footer actions (Volver) ---------- */
.sofi-terms .th-actions {
  display: flex;
  justify-content: center;
  margin: 32px 0 0;
}

.sofi-terms .th-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-ui);
  font-size: 14.5px;
  font-weight: 500;
  border-radius: var(--radius);
  padding: 13px 22px;
  line-height: 1;
  border: 1px solid var(--rule);
  background: var(--paper);
  color: var(--ink);
  cursor: pointer;
  text-decoration: none;
  transition: background .15s ease, border-color .15s ease, color .15s ease;
}

.sofi-terms .th-btn:hover {
  background: var(--paper-2);
  border-color: var(--ink-4);
}

.sofi-terms .th-btn-primary {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
}

.sofi-terms .th-btn-primary:hover {
  background: #000;
  border-color: #000;
  color: var(--paper);
}

/* ---------- focus ring (a11y) ---------- */
.sofi-terms a:focus-visible,
.sofi-terms button:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

/* ---------- responsive ---------- */
@media (max-width: 980px) {
  .sofi-terms .th-body {
    grid-template-columns: 1fr;
    gap: 24px;
    padding: 24px 24px 56px;
  }

  .sofi-terms .th-toc {
    position: static;
    max-height: none;
    border-right: none;
    border: 1px solid var(--rule);
    border-radius: var(--radius);
    padding: 14px 16px;
    background: var(--paper-2);
  }

  .sofi-terms .th-toc ol {
    columns: 2;
    column-gap: 16px;
  }

  .sofi-terms .th-toc li {
    break-inside: avoid;
  }
}

@media (max-width: 720px) {
  .sofi-terms {
    font-size: 15px;
    line-height: 1.6;
  }

  .sofi-terms .th-container {
    padding: 0 18px;
  }

  .sofi-terms .th-body {
    padding: 18px 18px 48px;
    gap: 18px;
  }

  .sofi-terms .th-nav-inner {
    height: 56px;
    gap: 8px;
  }

  .sofi-terms .th-title {
    font-size: 14px;
  }

  .sofi-terms .th-back {
    padding: 7px 10px;
    font-size: 12.5px;
  }

  .sofi-terms .th-toc ol {
    columns: 1;
  }

  .sofi-terms .th-doc h1 {
    font-size: 26px;
  }

  .sofi-terms .th-doc h2 {
    font-size: 20px;
    margin-top: 26px;
  }

  .sofi-terms .th-doc h3 {
    font-size: 17px;
  }

  .sofi-terms .th-doc table {
    font-size: 12.5px;
  }

  .sofi-terms .th-doc th,
  .sofi-terms .th-doc td {
    padding: 8px 10px;
  }
}

/* ---------- print ---------- */
@media print {
  .sofi-terms {
    background: #fff;
    color: #000;
    font-size: 11pt;
    line-height: 1.45;
  }

  .sofi-terms .th-nav,
  .sofi-terms .th-toc,
  .sofi-terms .th-actions {
    display: none !important;
  }

  .sofi-terms .th-body {
    display: block;
    padding: 0;
    max-width: 100%;
  }

  .sofi-terms .th-doc {
    max-width: 100%;
    color: #000;
  }

  .sofi-terms .th-doc h1,
  .sofi-terms .th-doc h2,
  .sofi-terms .th-doc h3,
  .sofi-terms .th-doc h4,
  .sofi-terms .th-doc p,
  .sofi-terms .th-doc li,
  .sofi-terms .th-doc strong,
  .sofi-terms .th-doc em,
  .sofi-terms .th-doc td,
  .sofi-terms .th-doc th {
    color: #000 !important;
  }

  .sofi-terms .th-doc blockquote {
    background: #f4f4f4;
    border-left-color: #888;
    color: #000;
  }

  .sofi-terms .th-doc code {
    background: #f4f4f4;
    border-color: #ddd;
    color: #000;
  }

  .sofi-terms .th-doc table,
  .sofi-terms .th-doc th,
  .sofi-terms .th-doc td {
    border-color: #888;
  }

  .sofi-terms .th-doc tbody tr:nth-child(even) td {
    background: #f7f7f7;
  }

  .sofi-terms .th-doc h2,
  .sofi-terms .th-doc h3 {
    page-break-after: avoid;
  }

  .sofi-terms .th-doc .cl {
    page-break-inside: avoid;
  }
}