/* ============================================================
   ONLINE REFUND — LEGAL/CONTENT PAGES STYLESHEET
   Shared by privacy, terms, fees, SoKI, cookie, faqs, etc.
   ============================================================ */
:root {
  --navy: #0B2340;
  --navy-deep: #071831;
  --navy-soft: #1A3458;
  --green: #2E9B6E;
  --green-deep: #228059;
  --green-soft: #E8F5EE;
  --cream: #FAFAF7;
  --paper: #FFFFFF;
  --ink: #0F1620;
  --ink-soft: #3D4654;
  --muted: #6B7280;
  --line: #E5E7EB;
  --line-soft: #F1F2F4;

  --font-display: 'Poppins', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Poppins', -apple-system, BlinkMacSystemFont, sans-serif;

  --container: 880px;
  --container-wide: 1180px;
  --radius: 14px;
  --radius-sm: 8px;
  --radius-lg: 24px;

  --shadow-sm: 0 1px 2px rgba(11,35,64,.06);
  --shadow-md: 0 4px 16px rgba(11,35,64,.08);
  --shadow-lg: 0 24px 48px -16px rgba(11,35,64,.18);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.7;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { max-width: 100%; display: block; }
a { color: var(--green-deep); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--navy); }
button { font: inherit; cursor: pointer; border: none; background: none; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.25rem;
}

.container-wide {
  max-width: var(--container-wide);
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* Typography */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--navy);
}

h1 { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 700; letter-spacing: -0.025em; margin-bottom: 1rem; }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.7rem); font-weight: 600; margin-top: 2.5rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.15rem; font-weight: 600; margin-top: 1.5rem; margin-bottom: 0.5rem; }

p { color: var(--ink-soft); margin-bottom: 1rem; }
ul, ol { margin: 1rem 0 1rem 1.5rem; }
li { color: var(--ink-soft); margin-bottom: 0.5rem; }
strong { color: var(--ink); font-weight: 600; }

table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.95rem;
  background: var(--paper);
  border-radius: var(--radius-sm);
  overflow: hidden;
  border: 1px solid var(--line);
}

th, td {
  padding: 0.85rem 1rem;
  text-align: left;
  border-bottom: 1px solid var(--line);
}

th {
  background: var(--navy);
  color: white;
  font-weight: 600;
  font-size: 0.88rem;
  letter-spacing: 0.02em;
}

tr:last-child td { border-bottom: none; }
tr:nth-child(even) { background: var(--line-soft); }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  max-width: var(--container-wide);
  margin: 0 auto;
  gap: 1rem;
}

.logo { display: flex; align-items: center; color: var(--navy); }
.logo-image { width: 174px; height: auto; }

.fca-badge {
  display: none;
  align-items: center;
  gap: .5rem;
  padding: 6px 12px;
  background: var(--green-soft);
  border: 1px solid rgba(46,155,110,.25);
  border-radius: 999px;
  font-size: .8rem;
  font-weight: 500;
  color: var(--green-deep);
}

.fca-badge .dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 3px rgba(46,155,110,.18);
}

.header-cta {
  display: flex;
  align-items: center;
  gap: .5rem;
  padding: 10px 16px;
  border-radius: 999px;
  background: var(--navy);
  color: white;
  font-weight: 500;
  font-size: .92rem;
  text-decoration: none;
  transition: background .2s, transform .2s;
}

.header-cta:hover { background: var(--navy-soft); transform: translateY(-1px); color: white; }
.header-cta svg { width: 14px; height: 14px; }

@media (min-width: 720px) { .fca-badge { display: inline-flex; } }

/* Page hero */
.page-hero {
  padding: 3rem 0 2rem;
  background: linear-gradient(180deg, var(--paper), var(--cream));
  border-bottom: 1px solid var(--line);
}

.breadcrumb {
  font-size: .82rem;
  color: var(--muted);
  margin-bottom: 1rem;
  letter-spacing: .02em;
}

.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }

.page-hero p.lede {
  font-size: 1.1rem;
  color: var(--ink-soft);
  max-width: 680px;
}

/* Page content */
.page-content {
  padding: 3rem 0 5rem;
  background: var(--paper);
}

.last-updated {
  display: inline-block;
  font-size: .82rem;
  color: var(--muted);
  background: var(--cream);
  padding: 6px 12px;
  border-radius: 999px;
  margin-bottom: 1.5rem;
  border: 1px solid var(--line);
}

.callout {
  background: var(--green-soft);
  border-left: 3px solid var(--green);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  margin: 1.5rem 0;
}

.callout p { color: var(--navy); margin-bottom: 0; }

.warn {
  background: #FEF7E0;
  border-left: 3px solid #C8A55B;
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  margin: 1.5rem 0;
}

.warn p { color: #5C4A1F; margin-bottom: 0; }

/* CTA banner */
.cta-banner {
  background: var(--navy);
  color: white;
  padding: 2.5rem 0;
  text-align: center;
}

.cta-banner h2 { color: white; margin-top: 0; }
.cta-banner p { color: rgba(255,255,255,.75); margin-bottom: 1.5rem; }

.cta-button {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: 14px 28px;
  background: var(--green);
  color: white;
  border-radius: 999px;
  font-weight: 600;
  text-decoration: none;
  transition: all .2s;
}

.cta-button:hover { background: var(--green-deep); color: white; transform: translateY(-1px); }
.cta-button svg { width: 16px; height: 16px; }

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,.7);
  padding: 4rem 0 2rem;
  font-size: .9rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

@media (min-width: 720px) { .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; gap: 4rem; } }

.footer-brand .logo { color: white; margin-bottom: 1rem; }
.footer-brand .logo-image { filter: brightness(0) invert(1); }
.footer-brand p { color: rgba(255,255,255,.6); font-size: .92rem; line-height: 1.6; max-width: 360px; }

.footer-col h5 {
  color: white;
  font-family: var(--font-body);
  font-size: .85rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: rgba(255,255,255,.7); text-decoration: none; transition: color .18s; }
.footer-col a:hover { color: white; }

.footer-legal {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 1.5rem;
  font-size: .8rem;
  line-height: 1.65;
  color: rgba(255,255,255,.55);
}

.footer-legal p { margin-bottom: .75rem; color: inherit; }
.footer-legal strong { color: rgba(255,255,255,.85); }

.fca-link { color: var(--green); text-decoration: underline; }
.fca-link:hover { color: white; }

:focus-visible { outline: 2px solid var(--green); outline-offset: 2px; border-radius: 4px; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  html { scroll-behavior: auto; }
}