/* ============================================================
   Meridian Claims — High-End Entrepreneur / Trust & Authority
   Design System: Minimalism & Swiss Style + Trust & Authority
   Tokens: Authority Navy #0B1E3A / #1E3A8A + Bronze #B45309
   Typography: Playfair Display (display) + Inter (body)
   Density: Spacious | Variance: Centered Minimal | Motion: Subtle
   ============================================================ */

/* ---------- Tokens ---------- */
:root {
  --color-primary: #0b1e3a;
  --color-primary-2: #132f5a;
  --color-primary-3: #1e3a8a;
  --color-on-primary: #ffffff;
  --color-accent: #b45309;
  --color-accent-hover: #92400e;
  --color-accent-soft: #fff7ed;
  --color-on-accent: #ffffff;
  --color-bg: #f8fafc;
  --color-bg-soft: #eef3fb;
  --color-card: #ffffff;
  --color-fg: #0f172a;
  --color-fg-soft: #1e293b;
  --color-muted: #e9eef5;
  --color-muted-fg: #475569;
  --color-muted-fg2: #64748b;
  --color-border: #cbd5e1;
  --color-border-soft: #e2e8f0;
  --color-border-strong: #94a3b8;
  --color-success: #059669;
  --color-success-bg: #ecfdf5;
  --color-destructive: #dc2626;
  --color-ring: #1e3a8a;
  --navy-900: #020617;
  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --radius-pill: 999px;
  --shadow-sm: 0 4px 20px rgba(11, 30, 58, 0.06);
  --shadow: 0 12px 40px rgba(11, 30, 58, 0.1);
  --shadow-lg: 0 24px 64px rgba(11, 30, 58, 0.16);
  --shadow-accent: 0 10px 28px rgba(180, 83, 9, 0.22);
  --font-display: "Playfair Display", Georgia, serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;
  --ease: 200ms ease;
  --ease-slow: 300ms ease;
  --focus-ring: 0 0 0 3px rgba(30, 58, 138, 0.14);
  --container: 1280px;
  --container-narrow: 720px;
  --header-h: 72px;
}

/* ---------- Reset ---------- */
*,
*::before,
*::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-fg);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--color-primary-3); text-decoration: none; }
a:hover { text-decoration: underline; text-underline-offset: 3px; }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--color-fg); letter-spacing: -0.02em; }
p { margin: 0; }
button, input, textarea, select { font: inherit; }
:focus-visible { outline: none; box-shadow: var(--focus-ring); border-color: var(--color-ring) !important; }
::selection { background: rgba(180, 83, 9, 0.18); }

/* ---------- Utilities ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 32px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-body); font-size: 11px; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase; color: var(--color-accent);
}
.eyebrow::before { content: ""; width: 20px; height: 1.5px; background: var(--color-accent); opacity: 0.5; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute; left: -9999px; top: 12px; z-index: 100;
  background: var(--color-primary); color: #fff; padding: 10px 16px; border-radius: var(--radius-sm);
  font-weight: 600; font-size: 14px;
}
.skip-link:focus { left: 16px; box-shadow: var(--focus-ring); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(11, 30, 58, 0.96);
  backdrop-filter: blur(12px) saturate(1.2);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  height: var(--header-h);
  display: flex; align-items: center;
}
.header-inner {
  width: 100%; max-width: var(--container); margin: 0 auto;
  padding: 0 32px; display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 9px;
  background: #fff; color: var(--color-primary);
  font-family: var(--font-display); font-weight: 800; font-size: 18px; line-height: 1;
  display: grid; place-items: center; flex: none;
  border: 1px solid rgba(255,255,255,0.95);
  box-shadow: 0 2px 10px rgba(0,0,0,0.15);
}
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-text strong {
  font-family: var(--font-display); font-size: 17px; font-weight: 700; letter-spacing: -0.02em; color: #fff;
}
.brand-text small {
  font-family: var(--font-body); font-size: 10px; font-weight: 600;
  letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.68);
}
.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; margin: 0; padding: 0; }
.nav-links a {
  font-family: var(--font-body); font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.9);
  padding: 6px 0; position: relative; text-decoration: none;
}
.nav-links a::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 1.5px;
  background: var(--color-accent); transform: scaleX(0); transition: transform var(--ease); transform-origin: left;
}
.nav-links a:hover::after, .nav-links a:focus-visible::after { transform: scaleX(1); }
.nav-links a:hover { color: #fff; text-decoration: none; }
.header-actions { display: flex; align-items: center; gap: 14px; }
.header-trust {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 12px; font-weight: 600; letter-spacing: 0.04em; color: rgba(255,255,255,0.88);
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14);
  padding: 7px 12px; border-radius: var(--radius-pill); white-space: nowrap;
}
.header-trust svg { width: 14px; height: 14px; color: #fdba74; flex: none; }
.header-cta {
  display: inline-flex; align-items: center; gap: 7px;
  background: var(--color-accent); color: #fff; font-family: var(--font-body);
  font-size: 14px; font-weight: 650; padding: 10px 18px; border-radius: var(--radius-sm);
  border: 1px solid transparent; cursor: pointer; transition: background var(--ease), transform var(--ease), box-shadow var(--ease);
  white-space: nowrap; text-decoration: none; line-height: 1;
}
.header-cta:hover { background: var(--color-accent-hover); transform: translateY(-1px); box-shadow: var(--shadow-accent); text-decoration: none; color: #fff; }
.header-cta svg { width: 14px; height: 14px; }
.mobile-toggle {
  display: none; width: 40px; height: 40px; border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.16); background: rgba(255,255,255,0.06);
  color: #fff; cursor: pointer; place-items: center;
}
.mobile-toggle svg { width: 20px; height: 20px; }
.mobile-menu {
  display: none; position: absolute; top: var(--header-h); left: 0; right: 0;
  background: #0b1e3a; border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 24px 24px; flex-direction: column; gap: 4px;
  box-shadow: 0 16px 40px rgba(0,0,0,0.25);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  color: rgba(255,255,255,0.92); font-size: 15px; font-weight: 500; padding: 12px 12px;
  border-radius: var(--radius-sm); text-decoration: none;
}
.mobile-menu a:hover { background: rgba(255,255,255,0.07); color: #fff; }

/* ---------- Hero — Split 7/5 Swiss ---------- */
.hero {
  background: var(--color-primary);
  color: #fff;
  position: relative; overflow: hidden;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(700px 420px at 78% 8%, rgba(30,58,138,0.45), transparent 62%),
    radial-gradient(520px 380px at 12% 88%, rgba(180,83,9,0.14), transparent 60%),
    linear-gradient(180deg, rgba(255,255,255,0.02), transparent 40%);
  pointer-events: none;
}
.hero-grid {
  max-width: var(--container); margin: 0 auto; padding: 88px 32px 72px;
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 48px;
  align-items: center; position: relative; z-index: 1;
}
.hero-copy { text-align: left; }
.hero-kicker {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: #fdba74; background: rgba(253,186,116,0.1); border: 1px solid rgba(253,186,116,0.22);
  padding: 7px 12px; border-radius: var(--radius-pill); margin-bottom: 20px;
}
.hero-kicker svg { width: 14px; height: 14px; color: #fdba74; }
.hero h1 {
  font-family: var(--font-display); font-size: clamp(34px, 4.2vw, 56px);
  font-weight: 700; line-height: 0.98; letter-spacing: -0.03em; color: #fff;
  margin: 0 0 18px; max-width: 640px;
}
.hero h1 em { font-style: normal; color: #fdba74; font-weight: 700; }
.hero-sub {
  font-family: var(--font-body); font-size: 17.5px; line-height: 1.6;
  color: rgba(255,255,255,0.86); max-width: 560px; margin: 0 0 22px; font-weight: 400;
}
.hero-sub strong { color: #fff; font-weight: 600; }
.hero-meta {
  display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 28px;
}
.cred {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 12.5px; font-weight: 600; color: rgba(255,255,255,0.92);
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.14);
  padding: 8px 12px; border-radius: var(--radius-pill);
}
.cred svg { width: 14px; height: 14px; color: #fdba74; flex: none; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-body); font-size: 14.5px; font-weight: 650; line-height: 1;
  border-radius: var(--radius-sm); border: 1px solid transparent; cursor: pointer;
  padding: 14px 22px; transition: all var(--ease); text-decoration: none; white-space: nowrap;
}
.btn-primary { background: var(--color-accent); color: #fff; box-shadow: var(--shadow-accent); }
.btn-primary:hover { background: var(--color-accent-hover); transform: translateY(-1px); box-shadow: 0 14px 32px rgba(180,83,9,0.28); color: #fff; text-decoration: none; }
.btn-ghost {
  background: rgba(255,255,255,0.06); color: #fff; border-color: rgba(255,255,255,0.18);
  backdrop-filter: blur(6px);
}
.btn-ghost:hover { background: rgba(255,255,255,0.11); border-color: rgba(255,255,255,0.28); color: #fff; text-decoration: none; }
.btn-icon { width: 16px; height: 16px; flex: none; }
.btn-lg { padding: 16px 26px; font-size: 15px; }
.btn-block { width: 100%; }
.btn:disabled { opacity: 0.55; cursor: not-allowed; transform: none; box-shadow: none; }
.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; }
.hero-card {
  width: 100%; max-width: 420px; background: #fff; border-radius: var(--radius-xl);
  border: 1px solid var(--color-border-soft); box-shadow: 0 24px 64px rgba(2,6,23,0.22);
  padding: 24px; position: relative; overflow: hidden;
}
.hero-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--color-accent), #f59e0b); }
.hero-card-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.hero-card-badge {
  display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase; color: var(--color-success);
  background: var(--color-success-bg); border: 1px solid #a7f3d0; padding: 6px 10px; border-radius: var(--radius-pill);
}
.hero-card-badge svg { width: 12px; height: 12px; }
.hero-card-amount { font-family: var(--font-display); font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--color-muted-fg2); }
.hero-amount {
  font-family: var(--font-display); font-size: clamp(36px, 4.5vw, 48px); font-weight: 800; letter-spacing: -0.04em; color: var(--color-primary);
  line-height: 1; margin-bottom: 6px; word-break: break-all;
}
.hero-amount small { font-size: 0.42em; font-weight: 600; color: var(--color-muted-fg2); }
.hero-card-sub { font-size: 13px; color: var(--color-muted-fg); margin-bottom: 16px; }
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 16px; }
.hero-stat {
  background: var(--color-bg); border: 1px solid var(--color-border-soft); border-radius: var(--radius);
  padding: 12px 14px;
}
.hero-stat strong { display: block; font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--color-primary); line-height: 1; }
.hero-stat span { font-size: 11px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--color-muted-fg2); }
.hero-card-foot {
  margin-top: 16px; padding-top: 14px; border-top: 1px solid var(--color-border-soft);
  display: flex; align-items: center; gap: 8px; font-size: 12px; color: var(--color-muted-fg);
}
.hero-card-foot svg { width: 14px; height: 14px; color: var(--color-success); flex: none; }
.hero-trust-mini { margin-top: 14px; text-align: center; font-size: 11px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(255,255,255,0.62); }
.hero-visual-stack { position: absolute; inset: auto -12px -12px auto; width: 100%; height: 100%; pointer-events: none; }

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section-narrow { max-width: var(--container-narrow); margin: 0 auto; padding-left: 32px; padding-right: 32px; }
.section-header { text-align: center; max-width: 680px; margin: 0 auto 44px; }
.section-header.left { text-align: left; margin-left: 0; margin-right: 0; }
.section h2 {
  font-family: var(--font-display); font-size: clamp(28px, 3.2vw, 40px); font-weight: 700;
  line-height: 1.05; letter-spacing: -0.03em; color: var(--color-fg); margin: 8px 0 12px;
}
.section-sub { font-size: 17px; line-height: 1.6; color: var(--color-muted-fg); margin: 0 auto; max-width: 560px; }
.section-contrast { background: #fff; border-block: 1px solid var(--color-border-soft); }

/* ---------- Proof Band ---------- */
.proof-band {
  background: #020617; color: rgba(255,255,255,0.92); padding: 28px 0 30px;
  border-block: 1px solid rgba(255,255,255,0.06);
}
.proof-inner { max-width: var(--container); margin: 0 auto; padding: 0 32px; }
.proof-label {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: #fdba74; margin-bottom: 18px;
}
.proof-label svg { width: 14px; height: 14px; }
.proof-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
  text-align: center; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 22px;
}
.proof-item strong {
  display: block; font-family: var(--font-display); font-size: 28px; font-weight: 700;
  letter-spacing: -0.02em; color: #fff; line-height: 1;
}
.proof-item span {
  display: block; margin-top: 6px; font-size: 12px; font-weight: 600;
  letter-spacing: 0.07em; text-transform: uppercase; color: rgba(255,255,255,0.62);
}
.proof-item em {
  display: block; margin-top: 4px; font-style: normal; font-size: 12px; color: rgba(255,255,255,0.42);
}

/* ---------- Expertise Cards ---------- */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card {
  background: var(--color-card); border: 1px solid var(--color-border-soft);
  border-radius: var(--radius-lg); padding: 28px; transition: border-color var(--ease), box-shadow var(--ease), transform var(--ease);
}
.card:hover { border-color: var(--color-border); box-shadow: var(--shadow); transform: translateY(-2px); }
.card-icon {
  width: 42px; height: 42px; border-radius: 9px; display: grid; place-items: center;
  background: #eff6ff; border: 1px solid #dbeafe; color: var(--color-primary-3); margin-bottom: 16px;
}
.card-icon svg { width: 20px; height: 20px; }
.card h3 { font-family: var(--font-display); font-size: 18px; font-weight: 700; margin: 0 0 8px; color: var(--color-fg); }
.card p { font-size: 14.5px; line-height: 1.6; color: var(--color-muted-fg); margin: 0; }
.card-link {
  display: inline-flex; align-items: center; gap: 6px; margin-top: 14px;
  font-size: 13px; font-weight: 650; color: var(--color-accent); text-decoration: none;
}
.card-link svg { width: 14px; height: 14px; transition: transform var(--ease); }
.card:hover .card-link svg { transform: translateX(2px); }

/* ---------- How It Works — Timeline ---------- */
.how { background: linear-gradient(180deg, #fff 0%, var(--color-bg) 100%); border-block: 1px solid var(--color-border-soft); }
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; position: relative; margin-top: 8px; }
.timeline::before {
  content: ""; position: absolute; top: 34px; left: calc(16.66% ); right: calc(16.66% );
  height: 1px; background: var(--color-border-soft); display: block;
}
.timeline-step { position: relative; text-align: left; }
.timeline-num {
  width: 68px; height: 68px; border-radius: 50%; background: #fff; border: 1px solid var(--color-border-soft);
  display: grid; place-items: center; margin-bottom: 18px; position: relative; z-index: 1;
  box-shadow: var(--shadow-sm);
}
.timeline-num span {
  font-family: var(--font-display); font-size: 13px; font-weight: 800; letter-spacing: 0.1em; color: var(--color-accent);
}
.timeline-step h3 { font-size: 17px; margin: 0 0 8px; }
.timeline-step p { font-size: 14.5px; color: var(--color-muted-fg); line-height: 1.6; margin: 0; }
.timeline-step::after {
  content: ""; position: absolute; top: 34px; left: 68px; right: -16px; height: 1px; background: var(--color-border-soft); display: none;
}

/* ---------- Form Section ---------- */
.form-section { background: var(--color-bg); }
.form-shell {
  background: var(--color-card); border: 1px solid var(--color-border-soft);
  border-radius: var(--radius-xl); box-shadow: var(--shadow); overflow: hidden;
}
.form-shell-head {
  padding: 28px 32px 22px; border-bottom: 1px solid var(--color-border-soft);
  background: linear-gradient(180deg, #fff, #fcfdff);
}
.form-shell-head h2 { font-size: 22px; margin: 0 0 6px; }
.form-shell-head p { font-size: 14.5px; color: var(--color-muted-fg); margin: 0; }
.refund-form {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px; padding: 28px 32px 32px;
  background: #fff;
}
.form-heading { grid-column: 1 / -1; font-family: var(--font-display); font-size: 18px; font-weight: 700; color: var(--color-fg); margin: 0 0 4px; }
.error-summary {
  grid-column: 1 / -1; background: #fef2f2; border: 1px solid #fecaca; border-left: 3px solid var(--color-destructive);
  border-radius: var(--radius-sm); padding: 14px 16px;
}
.error-summary-title { margin: 0 0 6px; font-size: 14px; font-weight: 700; color: var(--color-destructive); }
.error-summary ul { margin: 0; padding-left: 18px; }
.error-summary li { margin: 3px 0; font-size: 13.5px; }
.error-summary a { color: var(--color-destructive); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-full { grid-column: 1 / -1; }
.field label {
  font-family: var(--font-body); font-size: 12.5px; font-weight: 650;
  letter-spacing: 0.02em; color: var(--color-fg); line-height: 1.2;
}
.field label span { font-weight: 400; color: var(--color-muted-fg2); font-size: 12px; }
.field input, .field textarea, .field select {
  font-family: var(--font-body); font-size: 14.5px; line-height: 1.4;
  padding: 11px 13px; border: 1.5px solid var(--color-border); border-radius: var(--radius-sm);
  background: #fff; color: var(--color-fg); transition: border-color var(--ease), box-shadow var(--ease), background var(--ease);
  width: 100%; min-height: 44px;
}
.field textarea { min-height: 104px; resize: vertical; padding-top: 10px; }
.field input::placeholder, .field textarea::placeholder { color: #94a3b8; }
.field input:hover, .field textarea:hover { border-color: #94a3b8; }
.field input:focus, .field textarea:focus { border-color: var(--color-ring); box-shadow: var(--focus-ring); outline: none; }
.field input[aria-invalid="true"], .field textarea[aria-invalid="true"] { border-color: var(--color-destructive); background: #fffafa; }
.field-error { font-size: 12.5px; font-weight: 500; color: var(--color-destructive); line-height: 1.3; }
.form-error {
  grid-column: 1 / -1; color: var(--color-destructive); background: #fef2f2;
  border: 1px solid #fecaca; padding: 12px 14px; border-radius: var(--radius-sm); font-size: 13.5px; margin: 0;
}
.form-privacy {
  grid-column: 1 / -1; display: flex; align-items: center; justify-content: center; gap: 7px;
  font-size: 12.5px; color: var(--color-muted-fg2); margin: 4px 0 0; text-align: center;
}
.form-privacy svg { width: 14px; height: 14px; color: var(--color-success); flex: none; }
.btn-submit { grid-column: 1 / -1; height: 48px; font-size: 15px; margin-top: 4px; }

/* Success */
.success-card {
  text-align: center; padding: 40px 32px; background: #fff;
  border: 1px solid var(--color-border-soft); border-radius: var(--radius-xl); box-shadow: var(--shadow);
}
.success-icon {
  width: 56px; height: 56px; margin: 0 auto 16px; border-radius: 50%;
  background: var(--color-success); color: #fff; display: grid; place-items: center;
  box-shadow: 0 10px 24px rgba(5,150,105,0.28);
}
.success-icon svg { width: 28px; height: 28px; }
.success-card h2 { font-size: 22px; margin: 0 0 10px; }
.success-card p { font-size: 14.5px; color: var(--color-muted-fg); max-width: 480px; margin: 0 auto 10px; line-height: 1.6; }
.success-ref {
  display: inline-flex; align-items: center; gap: 10px; margin-top: 12px;
  background: var(--color-bg); border: 1px solid var(--color-border-soft); padding: 10px 14px; border-radius: var(--radius-sm);
  font-size: 13px;
}
.success-ref strong { font-family: ui-monospace, monospace; font-size: 14px; letter-spacing: 0.06em; color: var(--color-primary); }
.copy-btn {
  font-size: 12px; font-weight: 650; padding: 6px 10px; border-radius: 6px;
  border: 1px solid var(--color-border); background: #fff; cursor: pointer;
}
.copy-btn:hover { border-color: var(--color-primary); color: var(--color-primary); }

/* ---------- Reviews — Editorial ---------- */
.reviews { background: #fff; border-top: 1px solid var(--color-border-soft); }
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.review-card {
  background: #fff; border: 1px solid var(--color-border-soft); border-radius: var(--radius-lg);
  padding: 26px; display: flex; flex-direction: column; gap: 16px;
  transition: box-shadow var(--ease), border-color var(--ease);
  position: relative; overflow: hidden;
}
.review-card::before {
  content: "“"; position: absolute; top: 8px; left: 14px;
  font-family: var(--font-display); font-size: 64px; line-height: 1; color: var(--color-accent);
  opacity: 0.08; pointer-events: none;
}
.review-card:hover { box-shadow: var(--shadow); border-color: var(--color-border); }
.review-stars { display: flex; gap: 3px; color: var(--color-accent); position: relative; z-index: 1; }
.review-stars svg { width: 15px; height: 15px; fill: currentColor; }
.review-text {
  font-family: var(--font-display); font-size: 15.5px; line-height: 1.6; color: var(--color-fg-soft);
  margin: 0; position: relative; z-index: 1; font-style: italic;
}
.review-author { display: flex; align-items: center; gap: 12px; margin-top: auto; padding-top: 2px; }
.review-avatar {
  width: 38px; height: 38px; border-radius: 50%; background: var(--color-primary); color: #fff;
  font-family: var(--font-body); font-weight: 700; font-size: 12px; display: grid; place-items: center; flex: none;
}
.review-author strong { font-family: var(--font-body); font-size: 13.5px; font-weight: 650; color: var(--color-fg); display: block; line-height: 1.2; }
.review-author small { font-size: 12px; color: var(--color-muted-fg2); display: block; line-height: 1.2; }
.review-card-meta { font-size: 11px; font-weight: 600; letter-spacing: 0.05em; color: var(--color-muted-fg2); }

/* ---------- Trusted / Recognition ---------- */
.recognition {
  background: var(--color-bg); border-top: 1px solid var(--color-border-soft); padding: 36px 0;
  text-align: center;
}
.recognition-label {
  display: inline-flex; align-items: center; gap: 8px; font-size: 11px; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase; color: var(--color-muted-fg2); margin-bottom: 16px;
}
.recognition-label svg { width: 14px; height: 14px; color: var(--color-success); }
.compliance-row {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-bottom: 18px;
}
.compliance-badge {
  display: inline-flex; align-items: center; gap: 7px; font-size: 12.5px; font-weight: 600;
  color: var(--color-fg); background: #fff; border: 1px solid var(--color-border-soft);
  padding: 9px 14px; border-radius: var(--radius-pill);
}
.compliance-badge svg { width: 14px; height: 14px; color: var(--color-primary-3); }
.proof-note { font-size: 12px; color: var(--color-muted-fg2); max-width: 560px; margin: 0 auto; line-height: 1.5; }

/* ---------- Footer — 4-col Swiss ---------- */
.site-footer {
  background: var(--navy-900); color: rgba(255,255,255,0.78);
  padding: 56px 0 0; border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-grid {
  max-width: var(--container); margin: 0 auto; padding: 0 32px 40px;
  display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.3fr; gap: 40px;
}
.footer-brand-mark {
  width: 36px; height: 36px; border-radius: 8px; background: #fff; color: var(--navy-900);
  font-family: var(--font-display); font-weight: 800; font-size: 16px; display: grid; place-items: center; flex: none;
}
.footer-brand-name { font-family: var(--font-display); font-size: 16px; font-weight: 700; color: #fff; line-height: 1.1; }
.footer-brand-sub { font-family: var(--font-body); font-size: 10px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.58); }
.footer-brand-desc { font-size: 13.5px; line-height: 1.6; color: rgba(255,255,255,0.66); margin-top: 12px; max-width: 280px; }
.footer-col h4 {
  font-family: var(--font-body); font-size: 11px; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: rgba(255,255,255,0.92); margin: 0 0 16px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: 13.5px; color: rgba(255,255,255,0.68); text-decoration: none; }
.footer-col a:hover { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
.footer-contact p { font-size: 13.5px; line-height: 1.6; color: rgba(255,255,255,0.68); margin: 0 0 8px; }
.footer-contact a { color: rgba(255,255,255,0.88); }
.footer-contact strong { color: rgba(255,255,255,0.9); font-weight: 650; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08); padding: 18px 32px;
  max-width: var(--container); margin: 0 auto;
  display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; align-items: center;
}
.footer-legal { font-size: 11.5px; line-height: 1.5; color: rgba(255,255,255,0.42); }
.footer-legal a { color: rgba(255,255,255,0.58); }
.footer-badges { display: flex; gap: 10px; align-items: center; }
.footer-badge {
  display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 600;
  color: rgba(255,255,255,0.72); background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1); padding: 7px 10px; border-radius: var(--radius-pill);
}
.footer-badge svg { width: 12px; height: 12px; color: #fdba74; }

/* ---------- Loading / ParamPage ---------- */
.page-dark { min-height: 100vh; background: var(--color-bg); }
.loading-screen {
  display: grid; place-items: center; min-height: calc(100vh - var(--header-h));
  padding: 32px 20px; background: radial-gradient(800px 400px at 50% 0%, rgba(30,58,138,0.06), transparent 60%), var(--color-bg);
}
.loader-box {
  width: 100%; max-width: 480px; background: #fff; border: 1px solid var(--color-border-soft);
  border-radius: var(--radius-xl); box-shadow: var(--shadow); padding: 36px 30px; text-align: center;
}
.loader-logo {
  width: 56px; height: 56px; margin: 0 auto 14px; border-radius: 14px;
  background: var(--color-primary); color: #fdba74; display: grid; place-items: center;
  box-shadow: 0 8px 20px rgba(11,30,58,0.18);
}
.loader-logo svg { width: 28px; height: 28px; }
.loader-title { font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--color-fg); margin: 0 0 4px; }
.loader-msg { font-size: 14.5px; color: var(--color-muted-fg); margin: 0 0 22px; min-height: 22px; }
.progress-track { height: 6px; background: #e2e8f0; border-radius: var(--radius-pill); overflow: hidden; margin-bottom: 24px; }
.progress-fill { height: 100%; background: linear-gradient(90deg, var(--color-primary-3), var(--color-accent)); border-radius: var(--radius-pill); transition: width 160ms linear; }
.stages { list-style: none; padding: 0; margin: 0; text-align: left; }
.stages li { display: flex; align-items: center; gap: 12px; padding: 8px 0; font-size: 13.5px; color: var(--color-muted-fg2); border-bottom: 1px solid #f1f5f9; }
.stages li:last-child { border-bottom: 0; }
.stages .dot {
  width: 8px; height: 8px; border-radius: 50%; background: var(--color-border); flex: none; position: relative;
}
.stages li.active { color: var(--color-fg); font-weight: 600; }
.stages li.active .dot { background: var(--color-accent); box-shadow: 0 0 0 4px rgba(180,83,9,0.14); }
.stages li.done { color: var(--color-success); }
.stages li.done .dot { background: var(--color-success); }

/* ---------- Validation + modal ---------- */
.validation-screen { padding: 40px 0 72px; background: var(--color-bg); }
.alert {
  display: flex; align-items: flex-start; gap: 10px; border-radius: var(--radius-sm);
  padding: 14px 16px; font-size: 13.5px; margin-bottom: 22px; line-height: 1.5;
}
.alert svg { width: 18px; height: 18px; flex: none; margin-top: 1px; }
.alert-warn { background: #fffbeb; border: 1px solid #fde68a; color: #92400e; }
.alert-warn svg { color: var(--color-accent); }
.validation-title { font-family: var(--font-display); font-size: clamp(24px, 3vw, 34px); line-height: 1.08; margin: 0 0 10px; }
.validation-sub { font-size: 16px; color: var(--color-muted-fg); margin: 0 0 24px; line-height: 1.6; }
.urgent { display: block; margin-top: 8px; color: var(--color-destructive); font-weight: 600; font-size: 13.5px; }

.modal-backdrop {
  position: fixed; inset: 0; background: rgba(2, 6, 23, 0.62); display: grid; place-items: center;
  padding: 20px; z-index: 60; backdrop-filter: blur(8px);
}
.modal {
  position: relative; width: 100%; max-width: 480px; background: #fff; border: 1px solid var(--color-border-soft);
  border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); padding: 32px 28px 28px; text-align: center;
}
.modal-close {
  position: absolute; top: 14px; right: 14px; width: 32px; height: 32px; border-radius: var(--radius-sm);
  border: 1px solid var(--color-border-soft); background: var(--color-bg); color: var(--color-muted-fg);
  cursor: pointer; display: grid; place-items: center;
}
.modal-close:hover { background: #e2e8f0; color: var(--color-fg); }
.modal-close svg { width: 16px; height: 16px; }
.modal-icon {
  width: 56px; height: 56px; margin: 0 auto 16px; border-radius: 50%;
  background: #fff7ed; border: 1px solid #fed7aa; color: var(--color-accent); display: grid; place-items: center;
}
.modal-icon svg { width: 26px; height: 26px; }
.modal-title { font-family: var(--font-display); font-size: 20px; margin: 0 0 8px; }
.modal-body { font-size: 14.5px; color: var(--color-muted-fg); margin: 0 0 22px; line-height: 1.6; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 32px; padding: 48px 32px 44px; }
  .hero-copy { text-align: left; }
  .hero-card { max-width: 520px; margin: 0 auto; }
  .proof-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .review-grid { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .timeline { grid-template-columns: 1fr; gap: 20px; }
  .timeline::before { display: none; }
  .nav-links, .header-trust { display: none; }
  .mobile-toggle { display: grid; }
  .site-header { height: 64px; } :root { --header-h: 64px; }
}
@media (max-width: 640px) {
  .container, .proof-inner, .footer-grid, .footer-bottom, .hero-grid { padding-left: 20px; padding-right: 20px; }
  .section { padding: 56px 0; }
  .section-header { margin-bottom: 28px; }
  .hero h1 { font-size: 32px; }
  .hero-sub { font-size: 16px; }
  .card-grid { grid-template-columns: 1fr; }
  .refund-form { grid-template-columns: 1fr; padding: 20px; gap: 14px; }
  .form-shell-head { padding: 22px 20px 18px; }
  .loader-box { padding: 28px 20px; }
  .modal { padding: 28px 20px 22px; }
  .footer-grid { grid-template-columns: 1fr; }
  .proof-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 380px) {
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}

/* ---------- Fine polish ---------- */
::placeholder { opacity: 1; }
button:focus-visible, a:focus-visible { box-shadow: var(--focus-ring); }