/* Credit & Refund Specialists — approved palette */
:root {
  --royal: #356FF5;
  --royal-dark: #2557d6;
  --slate: #243246;
  --white: #FFFFFF;
  --pale: #E8F0FE;
  --cream: #FAF5ED;
  --navy: #0B1E3A;
  --muted: #5b6676;
  --line: #e3e7ee;
  --radius: 14px;
  --sans: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --serif: 'Newsreader', Georgia, 'Times New Roman', serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--sans); color: var(--slate); background: var(--white); line-height: 1.6; font-size: 16px; }
img { max-width: 100%; display: block; }
a { color: var(--royal); }
a:hover { color: var(--royal-dark); }
:focus-visible { outline: 3px solid var(--royal); outline-offset: 2px; }
[hidden] { display: none !important; }

.wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 16px; }
@media (min-width: 640px) { .wrap { padding: 0 24px; } }
.narrow { max-width: 820px; }
.center { text-align: center; }
.muted { color: var(--muted); }
.small { font-size: 0.875rem; }
.mono { font-family: ui-monospace, Consolas, monospace; font-size: 0.9rem; }
.break { overflow-wrap: anywhere; }
.skip { position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff; padding: 8px 12px; z-index: 100; }
.skip:focus { left: 8px; }
.staging-bar { background: #fff3cd; color: #5c4400; text-align: center; font-size: 0.8rem; font-weight: 700; padding: 6px 12px; letter-spacing: .02em; }

/* Type */
.eyebrow { font-size: 0.78rem; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; color: var(--royal); margin: 0 0 10px; }
.h1, .h2, .h3, .pillar h3, .step h3 { font-family: var(--serif); color: var(--slate); line-height: 1.1; margin: 0 0 14px; letter-spacing: -0.01em; }
.h1 { font-size: clamp(2.4rem, 7vw, 3.75rem); font-weight: 700; }
.h1--page { font-size: clamp(2rem, 5vw, 2.8rem); }
.h2 { font-size: clamp(1.7rem, 4vw, 2.4rem); font-weight: 700; }
.h3 { font-size: 1.5rem; font-weight: 700; margin-top: 28px; }
.lead { font-size: clamp(1.05rem, 2.4vw, 1.2rem); color: #3a475a; max-width: 36em; margin: 0 0 26px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: 600 0.95rem/1 var(--sans); padding: 13px 22px; border-radius: 8px; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: background .15s, color .15s, border-color .15s; white-space: nowrap; }
.btn--primary { background: var(--royal); color: #fff; }
.btn--primary:hover { background: var(--royal-dark); color: #fff; }
.btn--outline { border-color: var(--slate); color: var(--slate); background: transparent; }
.btn--outline:hover { border-color: var(--royal); color: var(--royal); }
.btn--outline-dark { border-color: var(--slate); color: var(--slate); background: #fff; }
.btn--lg { padding: 16px 26px; font-size: 1rem; }
.btn--block { width: 100%; }
.btn--small { padding: 7px 12px; font-size: 0.8rem; }
.btn[disabled] { opacity: .5; cursor: not-allowed; }
.text-link { font-weight: 700; text-decoration: none; display: inline-flex; gap: 6px; align-items: center; }
.cta-row { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 24px; }
.center-row { justify-content: center; }
.stack { display: flex; flex-direction: column; align-items: flex-start; gap: 14px; }

/* Header */
.site-header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.header-row { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 16px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--slate); flex-shrink: 0; }
.logo-mark { width: 44px; height: 44px; flex-shrink: 0; }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-top { font-family: var(--serif); font-weight: 700; font-size: 1.32rem; letter-spacing: -0.01em; color: var(--slate); }
.logo-top b { color: var(--royal); font-weight: 700; }
.logo-sub { font-size: 0.6rem; font-weight: 800; letter-spacing: 0.32em; margin-top: 4px; display: flex; align-items: center; gap: 6px; color: var(--slate); }
.logo-sub::before, .logo-sub::after { content: ''; height: 1px; width: 14px; background: currentColor; opacity: .5; }
.logo--dark, .logo--dark .logo-top, .logo--dark .logo-sub { color: #fff; }
.nav-desktop { display: none; align-items: center; gap: 22px; font-weight: 600; font-size: 0.93rem; }
.nav-desktop > a:not(.btn) { color: var(--slate); text-decoration: none; }
.nav-desktop > a:not(.btn):hover { color: var(--royal); }
.nav-desktop .btn { padding: 11px 16px; font-size: 0.88rem; }
.menu-toggle { background: none; border: 0; color: var(--slate); padding: 8px; cursor: pointer; border-radius: 8px; }
.nav-mobile { display: flex; flex-direction: column; gap: 4px; padding: 8px 16px 18px; border-top: 1px solid var(--line); background: #fff; }
.nav-mobile > a:not(.btn) { padding: 12px 4px; color: var(--slate); text-decoration: none; font-weight: 600; border-bottom: 1px solid var(--line); }
.nav-mobile .btn { margin-top: 10px; width: 100%; }
@media (min-width: 1080px) {
  .nav-desktop { display: flex; }
  .menu-toggle, .nav-mobile { display: none !important; }
}

/* Sections */
.band { padding: 56px 0; }
@media (min-width: 768px) { .band { padding: 80px 0; } }
.band--white { background: #fff; }
.band--pale { background: var(--pale); }
.band--cream { background: var(--cream); }
.page-head { padding: 48px 0 40px; }

.hero { background: var(--cream); border-bottom: 1px solid #ece4d6; padding: 44px 0 52px; }
.hero-grid { display: grid; gap: 36px; align-items: center; }
.hero-media img { width: 100%; height: 300px; object-fit: cover; border-radius: 18px; box-shadow: 0 24px 50px -20px rgba(11, 30, 58, .45); border: 4px solid #fff; }
.hero-note { display: flex; align-items: center; gap: 10px; font-size: 0.85rem; color: var(--muted); margin: 24px 0 0; }
.hero-note span { width: 26px; height: 1px; background: currentColor; }
@media (min-width: 640px) { .hero-media img { height: 420px; } }
@media (min-width: 1024px) {
  .hero { padding: 80px 0 88px; }
  .hero-grid { grid-template-columns: 1.05fr 1fr; gap: 48px; }
  .hero-media img { height: 480px; }
}

.feature { padding: 44px 0; border-bottom: 1px solid var(--line); }
.feature-row { display: flex; flex-direction: column; gap: 22px; }
.feature-row .h2 { margin-bottom: 6px; }
.feature-row p { margin: 0; }
@media (min-width: 860px) { .feature-row { flex-direction: row; align-items: center; justify-content: space-between; } .feature-row > div:first-child { max-width: 680px; } }

.cards { display: grid; gap: 20px; margin-top: 34px; }
@media (min-width: 860px) { .cards { grid-template-columns: repeat(3, 1fr); gap: 24px; } }
.card { background: #fff; border: 1px solid #d9e4fb; border-radius: var(--radius); padding: 26px; box-shadow: 0 1px 2px rgba(11, 30, 58, .05); }
.pillar { display: flex; flex-direction: column; }
.pillar h3 { font-size: 1.35rem; margin: 18px 0 8px; }
.pillar p { margin: 0 0 18px; color: #4a5568; flex-grow: 1; }
.icon { width: 56px; height: 56px; border-radius: 50%; background: var(--pale); color: var(--royal); display: grid; place-items: center; }
.icon svg { width: 26px; height: 26px; }

.steps { list-style: none; padding: 0; margin: 34px 0 20px; display: grid; gap: 18px; }
@media (min-width: 768px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.step { background: var(--cream); border: 1px solid #ece4d6; border-radius: 12px; padding: 24px; }
.step-n { font-family: var(--serif); font-weight: 700; color: var(--royal); font-size: 1.3rem; }
.step h3 { font-size: 1.2rem; margin: 6px 0 6px; }
.step p { margin: 0; font-size: 0.95rem; color: #4a5568; }

/* Contact */
.contact-grid { display: grid; gap: 30px; align-items: start; }
@media (min-width: 960px) { .contact-grid { grid-template-columns: 0.85fr 1.15fr; gap: 48px; } }
.contact-list { list-style: none; padding: 0; margin: 18px 0; display: grid; gap: 10px; }
.contact-list li { display: flex; gap: 12px; align-items: baseline; flex-wrap: wrap; }
.contact-list span { font-size: .75rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); min-width: 72px; }
.contact-list a { font-weight: 700; font-size: 1.05rem; overflow-wrap: anywhere; }

/* Forms */
.form { display: grid; gap: 16px; }
.form label { display: grid; gap: 6px; font-size: 0.8rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--slate); }
.form input[type=text], .form input[type=email], .form input[type=tel], .form input[type=url], .form input[type=password], .form textarea {
  width: 100%; font: 400 1rem var(--sans); color: var(--slate); padding: 12px 14px; border: 1px solid #c8d0dc; border-radius: 8px; background: #fff; text-transform: none; letter-spacing: 0;
}
.form input:focus, .form textarea:focus { border-color: var(--royal); outline: 2px solid rgba(53, 111, 245, .25); }
.form .hint { font-size: 0.78rem; font-weight: 400; text-transform: none; letter-spacing: 0; color: var(--muted); }
.form .check { display: flex; gap: 10px; align-items: flex-start; text-transform: none; letter-spacing: 0; font-weight: 500; font-size: .92rem; }
.form .check input { margin-top: 4px; width: 18px; height: 18px; flex-shrink: 0; }
.row2 { display: grid; gap: 16px; }
@media (min-width: 640px) { .row2 { grid-template-columns: 1fr 1fr; } }
.slug-field { display: flex; }
.slug-field span { background: #f1f3f6; border: 1px solid #c8d0dc; border-right: 0; border-radius: 8px 0 0 8px; padding: 12px 10px; font-size: .85rem; font-weight: 500; text-transform: none; letter-spacing: 0; color: var(--muted); white-space: nowrap; }
.slug-field input { border-radius: 0 8px 8px 0 !important; min-width: 0; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.notice { background: var(--pale); border-left: 4px solid var(--royal); padding: 16px 20px; border-radius: 8px; margin: 0 0 24px; font-size: .95rem; }
.notice ol { margin: 8px 0 0; padding-left: 20px; }
.notice p { margin: 0 0 6px; }
.alert { padding: 14px 18px; border-radius: 8px; margin: 0 0 20px; font-size: .95rem; }
.alert ul { margin: 6px 0 0; padding-left: 20px; }
.alert--error { background: #fdecec; border: 1px solid #f3b4b4; color: #7a1c1c; }
.alert--ok { background: #e8f6ee; border: 1px solid #a8dcbc; color: #145a32; }
.prose p, .prose li { font-size: 1.02rem; }
.prose ul { padding-left: 22px; }

/* Footer */
.site-footer { background: var(--navy); color: #cfd6e2; padding: 48px 0 28px; font-size: 0.93rem; }
.site-footer a { color: #fff; }
.site-footer a:hover { color: #9fbaff; }
.footer-top { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 14px; padding-bottom: 26px; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.slogan { font-family: var(--serif); font-size: 1.15rem; color: #fff; }
.footer-grid { display: grid; gap: 26px; padding: 28px 0; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr 1.3fr; } }
.footer-h { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: #8fa6d9; margin: 0 0 12px; font-family: var(--sans); }
.footer-grid p { margin: 0 0 8px; }
.site-footer .muted { color: #9aa6b8; }
.copyright { margin: 0; padding-top: 20px; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .82rem; color: #9aa6b8; }

/* Cookie notice (only when a Facebook Pixel ID is configured) */
.consent { position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 60; max-width: 560px; margin: 0 auto; background: var(--navy); color: #fff; border-radius: 12px; padding: 16px 18px; box-shadow: 0 12px 40px rgba(0, 0, 0, .3); font-size: .9rem; }
.consent p { margin: 0 0 12px; }
.consent a { color: #9fbaff; }
.consent .cta-row { gap: 10px; }
.consent .btn { padding: 9px 16px; }
.consent .btn--outline { color: #fff; border-color: #fff; }

/* Admin */
.admin { background: #f5f7fb; }
.admin-bar { background: var(--navy); color: #fff; }
.admin-bar .header-row { min-height: 56px; }
.admin-bar .btn--outline-dark { background: transparent; color: #fff; border-color: #fff; }
.admin-main { padding: 24px 16px 60px; }
.admin-login { padding-top: 60px; max-width: 420px; }
.table-wrap { overflow-x: auto; background: #fff; border: 1px solid var(--line); border-radius: 10px; margin-bottom: 30px; }
table { border-collapse: collapse; width: 100%; font-size: .88rem; }
th, td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: #f0f3f8; font-size: .75rem; text-transform: uppercase; letter-spacing: .06em; }
td.msg { max-width: 340px; white-space: pre-wrap; overflow-wrap: anywhere; }
td.actions form { display: inline-block; margin: 0 4px 4px 0; }
.pill { display: inline-block; padding: 2px 9px; border-radius: 99px; font-size: .75rem; font-weight: 700; background: #eef1f6; }
.pill--approved { background: #e2f5ea; color: #145a32; }
.pill--pending { background: #fff3cd; color: #5c4400; }
.pill--rejected, .pill--suspended { background: #fdecec; color: #7a1c1c; }