/**
 * T-RAYO Luxury Streetwear Atelier - Refund & Returns Policy
 * Obsidian Luxury Aesthetic, High-Tech Glassmorphism & Full Mobile Ergonomics
 */

:root {
  --ref-bg-page: #07080c;
  --ref-bg-card: #0f1118;
  --ref-bg-card-hover: #141722;
  --ref-bg-surface: #171a26;
  --ref-bg-glass: rgba(15, 17, 24, 0.72);
  --ref-bg-badge: rgba(255, 255, 255, 0.04);

  --ref-border-subtle: rgba(255, 255, 255, 0.08);
  --ref-border-card: rgba(255, 255, 255, 0.1);
  --ref-border-hover: rgba(46, 213, 115, 0.35);
  --ref-border-emerald: rgba(46, 213, 115, 0.28);
  --ref-border-gold: rgba(212, 175, 55, 0.35);

  --ref-text-primary: #f8fafc;
  --ref-text-secondary: #94a3b8;
  --ref-text-muted: #64748b;
  --ref-text-dim: #475569;

  --ref-accent-emerald: #2ed573;
  --ref-accent-mint: #10b981;
  --ref-accent-cyan: #00f2fe;
  --ref-accent-amber: #f59e0b;
  --ref-accent-ruby: #ff4757;
  --ref-accent-gold: #d4af37;

  --ref-radius-card: 18px;
  --ref-radius-pill: 9999px;
  --ref-radius-sm: 8px;
  --ref-radius-md: 12px;

  --ref-transition: all 0.28s cubic-bezier(0.16, 1, 0.3, 1);
  --ref-shadow-card: 0 16px 36px -10px rgba(0, 0, 0, 0.55);
  --ref-shadow-glow: 0 0 35px -5px rgba(46, 213, 115, 0.15);
}

/* Global Reset */
*, *::before, *::after {
  box-sizing: border-box;
  min-width: 0;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 100px;
}

body.refund-page-body {
  margin: 0;
  padding: 0;
  background-color: var(--ref-bg-page);
  color: var(--ref-text-primary);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  line-height: 1.65;
  width: 100%;
  max-width: 100vw;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  background-image: 
    radial-gradient(ellipse 80% 50% at 50% -20%, rgba(46, 213, 115, 0.08), transparent 70%),
    radial-gradient(ellipse 60% 40% at 100% 50%, rgba(0, 242, 254, 0.04), transparent 60%),
    radial-gradient(ellipse 60% 40% at 0% 80%, rgba(212, 175, 55, 0.04), transparent 60%);
  background-attachment: fixed;
}

/* Typography Fluid Scaling */
.refund-page-body h1,
.refund-page-body h2,
.refund-page-body h3,
.refund-page-body h4,
.refund-page-body p,
.refund-page-body span,
.refund-page-body a {
  overflow-wrap: break-word;
  word-wrap: break-word;
}

/* ═══════════════════════════════════════
   NAVBAR LUXURY GLASS
═══════════════════════════════════════ */
.tr-navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(7, 8, 12, 0.88);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--ref-border-subtle);
  padding: 0.85rem 0;
  transition: var(--ref-transition);
}

.tr-nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.tr-nav-left-group {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.nav-back-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: var(--ref-radius-pill);
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid var(--ref-border-subtle);
  color: var(--ref-text-primary);
  cursor: pointer;
  transition: var(--ref-transition);
}

.nav-back-btn:hover {
  background: rgba(46, 213, 115, 0.12);
  border-color: var(--ref-accent-emerald);
  color: var(--ref-accent-emerald);
  transform: translateX(-2px);
}

.nav-back-btn svg {
  width: 18px;
  height: 18px;
  stroke: currentColor;
  stroke-width: 2.2;
  fill: none;
}

.tr-brand {
  text-decoration: none;
  display: flex;
  align-items: center;
}

.brand-text {
  font-family: 'Syne', sans-serif, system-ui;
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: #fff;
  background: linear-gradient(135deg, #ffffff 40%, var(--ref-accent-emerald) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.tr-nav-links {
  display: flex;
  align-items: center;
  gap: 1.75rem;
}

.tr-nav-links .nav-item {
  color: var(--ref-text-secondary);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  transition: var(--ref-transition);
  padding: 0.4rem 0;
  position: relative;
}

.tr-nav-links .nav-item:hover {
  color: var(--ref-text-primary);
}

.tr-nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.tr-nav-actions .action-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: var(--ref-radius-pill);
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--ref-border-subtle);
  color: var(--ref-text-primary);
  text-decoration: none;
  font-size: 1rem;
  transition: var(--ref-transition);
}

.tr-nav-actions .action-btn:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.25);
  transform: translateY(-2px);
}

/* ═══════════════════════════════════════
   HERO SECTION - REFUND & RETURNS
═══════════════════════════════════════ */
.refund-hero {
  padding: 4.5rem 1.5rem 3rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero-container {
  max-width: 900px;
  margin: 0 auto;
}

.refund-pill-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(46, 213, 115, 0.08);
  border: 1px solid rgba(46, 213, 115, 0.32);
  color: var(--ref-accent-emerald);
  padding: 6px 16px;
  border-radius: var(--ref-radius-pill);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  box-shadow: 0 0 20px rgba(46, 213, 115, 0.12);
}

.refund-pill-badge .pulse-emerald-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--ref-accent-emerald);
  box-shadow: 0 0 10px var(--ref-accent-emerald);
  animation: pulse-emerald 2s infinite;
}

@keyframes pulse-emerald {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(46, 213, 115, 0.6); }
  70% { transform: scale(1.1); box-shadow: 0 0 0 8px rgba(46, 213, 115, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(46, 213, 115, 0); }
}

.refund-hero-title {
  font-family: 'Syne', sans-serif, system-ui;
  font-size: clamp(2.4rem, 6vw, 4.2rem);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -0.03em;
  color: #fff;
  text-transform: uppercase;
  margin: 0 0 1.25rem;
}

.refund-hero-title .title-accent {
  background: linear-gradient(135deg, #2ed573 20%, #00f2fe 80%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.refund-hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.18rem);
  line-height: 1.7;
  color: var(--ref-text-secondary);
  max-width: 700px;
  margin: 0 auto 2.5rem;
}

/* Key Guarantees Strip */
.refund-meta-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1.25rem 2.25rem;
  padding: 1.25rem 1.75rem;
  background: rgba(15, 17, 24, 0.6);
  border: 1px solid var(--ref-border-subtle);
  border-radius: var(--ref-radius-card);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  margin: 0 auto;
}

.refund-meta-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--ref-text-secondary);
}

.refund-meta-item svg {
  width: 17px;
  height: 17px;
  stroke: var(--ref-accent-emerald);
  stroke-width: 2.2;
  flex-shrink: 0;
}

.refund-meta-item strong {
  color: var(--ref-text-primary);
  font-weight: 700;
}

/* ═══════════════════════════════════════
   4-STEP RETURN & REFUND WORKFLOW
═══════════════════════════════════════ */
.refund-flow-section {
  padding: 0 1.5rem 2.5rem;
}

.refund-flow-container {
  max-width: 1100px;
  margin: 0 auto;
}

.flow-section-title {
  text-align: center;
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  color: var(--ref-accent-emerald);
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.refund-flow-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  position: relative;
}

.flow-card {
  background: var(--ref-bg-card);
  border: 1px solid var(--ref-border-subtle);
  border-radius: var(--ref-radius-card);
  padding: 1.5rem 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  position: relative;
  transition: var(--ref-transition);
}

.flow-card:hover {
  transform: translateY(-4px);
  border-color: var(--ref-border-hover);
  box-shadow: var(--ref-shadow-glow);
}

.flow-step-number {
  font-family: 'Syne', monospace;
  font-size: 0.76rem;
  font-weight: 900;
  color: var(--ref-accent-emerald);
  background: rgba(46, 213, 115, 0.12);
  border: 1px solid rgba(46, 213, 115, 0.3);
  padding: 3px 10px;
  border-radius: var(--ref-radius-pill);
  display: inline-block;
  align-self: flex-start;
}

.flow-icon-wrap {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: rgba(46, 213, 115, 0.08);
  border: 1px solid rgba(46, 213, 115, 0.22);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ref-accent-emerald);
}

.flow-icon-wrap svg {
  width: 22px;
  height: 22px;
  stroke: currentColor;
  stroke-width: 2;
}

.flow-card-title {
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin: 0;
}

.flow-card-desc {
  font-size: 0.82rem;
  color: var(--ref-text-secondary);
  line-height: 1.55;
  margin: 0;
}

/* ═══════════════════════════════════════
   STICKY TABLE OF CONTENTS TRACK
═══════════════════════════════════════ */
.refund-nav-sticky {
  position: sticky;
  top: 61px;
  z-index: 90;
  background: rgba(7, 8, 12, 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--ref-border-subtle);
  padding: 0.75rem 0;
}

.refund-toc-track {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.65rem;
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
  scroll-behavior: smooth;
  -webkit-overflow-scrolling: touch;
}

.refund-toc-track::-webkit-scrollbar {
  display: none;
}

.toc-pill {
  white-space: nowrap;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--ref-text-secondary);
  text-decoration: none;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--ref-border-subtle);
  padding: 6px 14px;
  border-radius: var(--ref-radius-pill);
  transition: var(--ref-transition);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  flex-shrink: 0;
}

.toc-pill span.num {
  color: var(--ref-accent-emerald);
  font-family: monospace;
  font-size: 0.75rem;
}

.toc-pill:hover,
.toc-pill.active {
  background: rgba(46, 213, 115, 0.12);
  border-color: var(--ref-accent-emerald);
  color: #fff;
  transform: translateY(-1px);
}

/* ═══════════════════════════════════════
   MAIN DOCUMENT & POLICY CLAUSES
═══════════════════════════════════════ */
.refund-main-wrapper {
  padding: 2.5rem 1.5rem 6rem;
}

.refund-container {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

/* Interactive Eligibility Tool Card */
.refund-eligibility-tool {
  background: linear-gradient(135deg, rgba(16, 24, 20, 0.9) 0%, rgba(15, 17, 24, 0.95) 100%);
  border: 1px solid var(--ref-border-emerald);
  border-radius: var(--ref-radius-card);
  padding: 1.75rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  box-shadow: 0 12px 30px rgba(46, 213, 115, 0.06);
}

.tool-left {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
}

.tool-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(46, 213, 115, 0.12);
  border: 1px solid rgba(46, 213, 115, 0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ref-accent-emerald);
  flex-shrink: 0;
}

.tool-icon svg {
  width: 24px;
  height: 24px;
  stroke: currentColor;
  stroke-width: 2;
}

.tool-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 0.35rem;
}

.tool-desc {
  font-size: 0.88rem;
  color: var(--ref-text-secondary);
  line-height: 1.5;
  margin: 0;
}

.btn-run-check {
  background: linear-gradient(135deg, #2ed573 0%, #10b981 100%);
  color: #07080c;
  font-weight: 800;
  font-size: 0.84rem;
  letter-spacing: 0.04em;
  padding: 0.75rem 1.5rem;
  border-radius: var(--ref-radius-pill);
  border: none;
  cursor: pointer;
  white-space: nowrap;
  transition: var(--ref-transition);
  box-shadow: 0 4px 18px rgba(46, 213, 115, 0.35);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}

.btn-run-check:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(46, 213, 115, 0.5);
  filter: brightness(1.1);
}

/* ═══════════════════════════════════════
   POLICY CLAUSE CARDS
═══════════════════════════════════════ */
.policy-clause-card {
  background: var(--ref-bg-card);
  border: 1px solid var(--ref-border-card);
  border-radius: var(--ref-radius-card);
  padding: 2.5rem;
  box-shadow: var(--ref-shadow-card);
  transition: var(--ref-transition);
  position: relative;
}

.policy-clause-card:hover {
  border-color: rgba(255, 255, 255, 0.16);
  background: var(--ref-bg-card-hover);
}

.clause-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
}

.clause-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(46, 213, 115, 0.08);
  border: 1px solid rgba(46, 213, 115, 0.25);
  color: var(--ref-accent-emerald);
  padding: 4px 12px;
  border-radius: var(--ref-radius-pill);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.clause-tag {
  font-size: 0.75rem;
  color: var(--ref-text-muted);
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.clause-title {
  font-family: 'Syne', sans-serif, system-ui;
  font-size: clamp(1.4rem, 3vw, 1.85rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.02em;
  margin: 0 0 1.25rem;
}

.clause-highlight-box {
  background: rgba(46, 213, 115, 0.04);
  border-left: 3px solid var(--ref-accent-emerald);
  padding: 1rem 1.25rem;
  border-radius: 0 10px 10px 0;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 1.5rem;
}

.clause-highlight-box svg {
  width: 18px;
  height: 18px;
  stroke: var(--ref-accent-emerald);
  stroke-width: 2.2;
  flex-shrink: 0;
  margin-top: 2px;
}

.clause-highlight-box span {
  font-size: 0.92rem;
  font-weight: 600;
  color: #e2e8f0;
  line-height: 1.55;
}

.clause-body p {
  font-size: 0.96rem;
  line-height: 1.8;
  color: var(--ref-text-secondary);
  margin: 0 0 1.25rem;
}

.clause-body p:last-child {
  margin-bottom: 0;
}

.clause-body strong {
  color: #fff;
  font-weight: 700;
}

/* Bullet list inside cards */
.clause-bullets {
  list-style: none;
  padding: 0;
  margin: 1.25rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.clause-bullet-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: var(--ref-text-secondary);
  line-height: 1.6;
}

.clause-bullet-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(46, 213, 115, 0.12);
  border: 1px solid rgba(46, 213, 115, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ref-accent-emerald);
  flex-shrink: 0;
  margin-top: 2px;
}

.clause-bullet-icon svg {
  width: 12px;
  height: 12px;
  stroke: currentColor;
  stroke-width: 2.5;
}

/* ═══════════════════════════════════════
   ELIGIBILITY COMPARISON GRID
═══════════════════════════════════════ */
.criteria-comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin: 1.5rem 0;
}

.criteria-card {
  border-radius: var(--ref-radius-md);
  padding: 1.25rem 1.4rem;
  border: 1px solid;
}

.criteria-card.accepted {
  background: rgba(46, 213, 115, 0.04);
  border-color: rgba(46, 213, 115, 0.25);
}

.criteria-card.rejected {
  background: rgba(255, 71, 87, 0.04);
  border-color: rgba(255, 71, 87, 0.25);
}

.criteria-header {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 0.85rem;
}

.criteria-card.accepted .criteria-header {
  color: var(--ref-accent-emerald);
}

.criteria-card.rejected .criteria-header {
  color: var(--ref-accent-ruby);
}

.criteria-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  font-size: 0.84rem;
  color: var(--ref-text-secondary);
  line-height: 1.5;
}

.criteria-list li {
  display: flex;
  align-items: center;
  gap: 8px;
}

.criteria-list li::before {
  content: '•';
  font-size: 1.2rem;
  line-height: 0;
}

.criteria-card.accepted .criteria-list li::before {
  color: var(--ref-accent-emerald);
}

.criteria-card.rejected .criteria-list li::before {
  color: var(--ref-accent-ruby);
}

/* ═══════════════════════════════════════
   RESPONSIVE SETTLEMENT CARDS & TIMELINES
═══════════════════════════════════════ */
.settlement-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.15rem;
  margin: 1.5rem 0;
}

.settlement-card {
  background: linear-gradient(145deg, rgba(17, 21, 28, 0.75) 0%, rgba(11, 14, 19, 0.85) 100%);
  border: 1px solid var(--ref-border-card);
  border-radius: var(--ref-radius-md);
  padding: 1.35rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: var(--ref-transition);
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.25);
}

.settlement-card:hover {
  border-color: var(--ref-border-hover);
  transform: translateY(-3px);
  box-shadow: 0 8px 26px rgba(0, 0, 0, 0.45);
}

.settlement-card-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.settlement-method-title {
  display: flex;
  align-items: center;
  gap: 12px;
}

.settlement-icon {
  font-size: 1.35rem;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--ref-border-subtle);
  border-radius: 10px;
  flex-shrink: 0;
}

.settlement-method-title h4 {
  margin: 0;
  font-size: 0.98rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.01em;
}

.settlement-sub {
  display: block;
  font-size: 0.75rem;
  color: var(--ref-text-muted);
  margin-top: 3px;
  line-height: 1.3;
}

.settlement-details {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  background: rgba(0, 0, 0, 0.3);
  border: 1px solid rgba(255, 255, 255, 0.04);
  padding: 0.85rem 1rem;
  border-radius: 10px;
}

.settlement-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  font-size: 0.83rem;
}

.settle-label {
  color: var(--ref-text-muted);
  font-weight: 600;
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  flex-shrink: 0;
}

.settle-val {
  color: #e2e8f0;
  font-weight: 600;
  text-align: right;
  word-break: break-word;
}

.settle-speed-highlight {
  color: var(--ref-accent-emerald);
  font-weight: 800;
  font-family: 'Syne', sans-serif;
  letter-spacing: 0.02em;
}

.timeline-table-wrap {
  overflow-x: auto;
  border-radius: var(--ref-radius-md);
  border: 1px solid var(--ref-border-card);
  margin: 1.5rem 0;
  background: rgba(15, 17, 24, 0.5);
  -webkit-overflow-scrolling: touch;
}

.timeline-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.86rem;
  text-align: left;
}

.timeline-table th {
  background: rgba(255, 255, 255, 0.04);
  padding: 0.85rem 1.15rem;
  color: var(--ref-text-muted);
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-size: 0.74rem;
  border-bottom: 1px solid var(--ref-border-card);
}

.timeline-table td {
  padding: 0.95rem 1.15rem;
  border-bottom: 1px solid var(--ref-border-subtle);
  color: var(--ref-text-secondary);
}

.timeline-table tr:last-child td {
  border-bottom: none;
}

.timeline-table td strong {
  color: #fff;
}

.speed-badge {
  font-size: 0.72rem;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: var(--ref-radius-pill);
  display: inline-block;
  white-space: nowrap;
}

.speed-badge.instant {
  background: rgba(46, 213, 115, 0.12);
  color: var(--ref-accent-emerald);
  border: 1px solid rgba(46, 213, 115, 0.35);
}

.speed-badge.standard {
  background: rgba(0, 242, 254, 0.12);
  color: var(--ref-accent-cyan);
  border: 1px solid rgba(0, 242, 254, 0.35);
}

/* ═══════════════════════════════════════
   CONCIERGE & OFFICER ACTION BOX
═══════════════════════════════════════ */
.concierge-card-inner {
  background: linear-gradient(135deg, rgba(16, 24, 20, 0.8) 0%, rgba(15, 17, 24, 0.9) 100%);
  border: 1px solid var(--ref-border-emerald);
  border-radius: var(--ref-radius-card);
  padding: 2.25rem;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 2rem;
  align-items: center;
}

.concierge-left h3 {
  font-family: 'Syne', sans-serif;
  font-size: 1.4rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 0.5rem;
}

.concierge-left p {
  font-size: 0.88rem;
  color: var(--ref-text-secondary);
  line-height: 1.6;
  margin: 0 0 1.25rem;
}

.officer-details-list {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  font-size: 0.84rem;
}

.officer-row {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--ref-text-secondary);
}

.officer-row strong {
  color: #fff;
  min-width: 90px;
}

.officer-row a {
  color: var(--ref-accent-emerald);
  text-decoration: underline;
}

.concierge-actions {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.btn-concierge-primary {
  background: linear-gradient(135deg, #2ed573 0%, #10b981 100%);
  color: #07080c;
  font-weight: 800;
  font-size: 0.88rem;
  padding: 0.85rem 1.5rem;
  border-radius: var(--ref-radius-pill);
  text-decoration: none;
  text-align: center;
  transition: var(--ref-transition);
  box-shadow: 0 6px 20px rgba(46, 213, 115, 0.28);
}

.btn-concierge-primary:hover {
  transform: translateY(-2px);
  filter: brightness(1.1);
}

.btn-concierge-outline {
  background: transparent;
  border: 1px solid var(--ref-border-card);
  color: #fff;
  font-weight: 700;
  font-size: 0.85rem;
  padding: 0.85rem 1.5rem;
  border-radius: var(--ref-radius-pill);
  text-decoration: none;
  text-align: center;
  transition: var(--ref-transition);
  cursor: pointer;
}

.btn-concierge-outline:hover {
  background: rgba(255, 255, 255, 0.05);
  border-color: rgba(255, 255, 255, 0.3);
}

/* ═══════════════════════════════════════
   FOOTER
═══════════════════════════════════════ */
.ref-footer {
  border-top: 1px solid var(--ref-border-subtle);
  background: rgba(7, 8, 12, 0.95);
  padding: 2.5rem 1.5rem;
  text-align: center;
  color: var(--ref-text-muted);
  font-size: 0.84rem;
}

.footer-nav-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin-bottom: 1.25rem;
}

.footer-nav-strip a {
  color: var(--ref-text-secondary);
  text-decoration: none;
  font-weight: 600;
  transition: var(--ref-transition);
}

.footer-nav-strip a:hover {
  color: var(--ref-accent-emerald);
}

/* ═══════════════════════════════════════
   RESPONSIVE MEDIA QUERIES
═══════════════════════════════════════ */
@media (max-width: 1024px) {
  .refund-flow-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .tr-nav-links {
    display: none;
  }
  .refund-hero {
    padding: 3rem 1.25rem 2rem;
  }
  .refund-flow-grid {
    grid-template-columns: 1fr;
  }
  .policy-clause-card {
    padding: 1.75rem 1.4rem;
  }
  .criteria-comparison-grid {
    grid-template-columns: 1fr;
  }
  .settlement-cards-grid {
    grid-template-columns: 1fr;
    gap: 0.95rem;
  }
  .settlement-card {
    padding: 1.15rem 1.05rem;
  }
  .concierge-card-inner {
    grid-template-columns: 1fr;
    padding: 1.75rem 1.4rem;
  }
  .refund-eligibility-tool {
    flex-direction: column;
    align-items: stretch;
    padding: 1.4rem;
  }
  .btn-run-check {
    width: 100%;
    justify-content: center;
  }
}

@media (max-width: 600px) {
  .refund-quick-contact-bar {
    flex-direction: column !important;
    align-items: stretch !important;
    width: 100% !important;
  }
  .refund-quick-contact-bar a {
    justify-content: center !important;
    width: 100% !important;
    box-sizing: border-box !important;
    padding: 9px 16px !important;
    font-size: 0.84rem !important;
  }
  .footer-contact-strip {
    flex-direction: column !important;
    gap: 8px !important;
  }
  .footer-contact-strip span[style*="opacity:0.3"] {
    display: none !important;
  }
  .officer-row {
    flex-direction: column !important;
    align-items: flex-start !important;
    gap: 4px !important;
  }
  .officer-row strong {
    min-width: unset !important;
  }
  .settlement-card-top {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.65rem;
  }
  .speed-badge {
    align-self: flex-start;
  }
}

@media (max-width: 480px) {
  .refund-hero-title {
    font-size: 2.1rem;
    line-height: 1.15;
  }
  .refund-hero-subtitle {
    font-size: 0.92rem;
  }
  .refund-meta-strip {
    display: grid;
    grid-template-columns: 1fr;
    padding: 1rem;
    gap: 0.85rem;
  }
  .refund-meta-item {
    font-size: 0.82rem;
    justify-content: flex-start;
  }
  .policy-clause-card {
    padding: 1.35rem 1.05rem;
    border-radius: var(--ref-radius-md);
  }
  .clause-highlight-box {
    padding: 0.85rem 1rem;
    font-size: 0.85rem;
  }
  .clause-title {
    font-size: 1.3rem;
  }
  .clause-bullets .clause-bullet-item {
    font-size: 0.84rem;
    gap: 10px;
  }
  .criteria-list {
    font-size: 0.82rem;
  }
  .settlement-details {
    padding: 0.75rem 0.85rem;
  }
  .settlement-row {
    font-size: 0.79rem;
  }
}

/* Global Overflow and Typography Protection */
html, body {
  overflow-x: hidden !important;
  max-width: 100vw;
  box-sizing: border-box;
}

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

.refund-main-wrapper, 
.refund-container, 
.policy-clause-card, 
.clause-body {
  max-width: 100%;
  overflow-wrap: break-word;
  word-break: normal;
}

/* Quick Contact Bar & Concierge Enhancements */
.refund-quick-contact-bar a:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.4);
  filter: brightness(1.15);
}

.officer-row a:hover {
  text-decoration: underline;
  filter: brightness(1.2);
}

.footer-contact-strip a:hover {
  text-decoration: underline;
  filter: brightness(1.2);
}