:root { --navy:#102a52; --blue:#2468d5; --pale:#f3f7fc; --text:#5b6b82; --line:#dce6f2; --good:#1a7f4e; --good-bg:#eaf7f0; --bad:#a13a3a; --bad-bg:#fbeeee; }
* { box-sizing:border-box; } html { scroll-behavior:smooth; }
body { margin:0; font-family:Inter,sans-serif; color:var(--navy); line-height:1.6; } a { color:var(--blue); text-decoration:none; }
.wrap { width:min(1060px,calc(100% - 40px)); margin:auto; }
.doc { width:min(820px,calc(100% - 40px)); margin:64px auto 100px; }
h1,h2,h3 { margin:0; font-family:Manrope,sans-serif; line-height:1.16; letter-spacing:-.035em; color:var(--navy); }
h1 { max-width:780px; font-size:clamp(2.4rem,5.5vw,3.6rem); }
h2 { font-size:clamp(1.5rem,3vw,2rem); }
p { margin:0; color:var(--text); }
.button { display:inline-block; padding:13px 19px; border-radius:7px; background:var(--blue); color:#fff; font-size:.9rem; font-weight:700; border:none; }
.button:hover { background:#1956b9; transform:translateY(-1px); }
.button.secondary { background:transparent; color:var(--blue); border:1px solid #c4d7f2; }
.button.secondary:hover { background:#fff; transform:none; }
.cta-row { display:flex; flex-wrap:wrap; gap:12px; align-items:center; }

header { position:relative; z-index:2; } nav { display:flex; justify-content:space-between; align-items:center; min-height:78px; }
.brand { display:flex; align-items:center; gap:9px; font:800 .96rem/1 Manrope,sans-serif; letter-spacing:-.025em; color:var(--navy); }
.brand-text { display:flex; flex-direction:column; gap:2px; }
.brand-sub { font:600 .66rem/1 Inter,sans-serif; letter-spacing:.03em; color:var(--text); }
.mark { display:grid; place-items:center; width:30px; height:30px; border-radius:8px 8px 8px 2px; background:var(--blue); color:#fff; flex:none; }
.brand-mark { width:32px; height:32px; display:block; flex:0 0 auto; }
.nav-links { display:flex; align-items:center; gap:22px; }
.nav-links a { font-weight:700; font-size:.86rem; }
.nav-links .nav-cta { padding:9px 16px; border-radius:7px; background:var(--navy); color:#fff; }
.nav-links .nav-cta:hover { background:#0b1f3d; }

.hero { position:relative; overflow:hidden; padding:72px 0 64px; background:linear-gradient(128deg,#fbfdff,#edf5ff); border-bottom:1px solid var(--line); }
.hero::before { content:""; position:absolute; width:520px; height:520px; right:-260px; top:-260px; border-radius:50%; border:1px solid #cfe0fa; box-shadow:0 0 0 60px rgba(37,104,214,.035),0 0 0 115px rgba(37,104,214,.025); }
.hero::after { content:""; position:absolute; inset:0; opacity:.35; background-image:linear-gradient(#dfeafb 1px,transparent 1px),linear-gradient(90deg,#dfeafb 1px,transparent 1px); background-size:52px 52px; mask-image:linear-gradient(135deg,#000,transparent 65%); }
.hero .wrap { position:relative; z-index:1; }
.eyebrow { margin-bottom:14px; color:var(--blue); font-size:.75rem; font-weight:700; letter-spacing:.13em; text-transform:uppercase; }
.hero .intro { max-width:640px; margin-top:16px; font-size:1.05rem; }
.hero .control-note { max-width:640px; margin-top:12px; font-size:.95rem; font-weight:600; color:var(--navy); }
.hero .cta-row { margin-top:28px; }
.hero-note { margin-top:14px; font-size:.8rem; }

.policy-hero { position:relative; overflow:hidden; padding:64px 0 56px; background:linear-gradient(128deg,#fbfdff,#edf5ff); border-bottom:1px solid var(--line); }
.policy-hero::before { content:""; position:absolute; width:520px; height:520px; right:-260px; top:-260px; border-radius:50%; border:1px solid #cfe0fa; box-shadow:0 0 0 60px rgba(37,104,214,.035),0 0 0 115px rgba(37,104,214,.025); }
.policy-hero::after { content:""; position:absolute; inset:0; opacity:.35; background-image:linear-gradient(#dfeafb 1px,transparent 1px),linear-gradient(90deg,#dfeafb 1px,transparent 1px); background-size:52px 52px; mask-image:linear-gradient(135deg,#000,transparent 65%); }
.policy-hero .wrap { position:relative; z-index:1; }
.updated { margin-top:14px; font-size:.86rem; color:var(--text); }
.policy-hero .intro { max-width:640px; margin-top:16px; font-size:1.02rem; }

main { padding:0; }
section.block { padding:64px 0; border-bottom:1px solid var(--line); }
section.block:last-of-type { border-bottom:none; }
.block-head { max-width:640px; margin:0 0 36px; }
.block-head h2 { margin-bottom:12px; }
.block-head p { font-size:.98rem; }

.stats-block .block-head { max-width:720px; }
.stats-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.stat-card { padding:22px; border:1px solid var(--line); border-radius:10px; background:var(--pale); }
.stat-number { font:800 1.5rem/1.15 Manrope,sans-serif; color:var(--navy); margin-bottom:10px; }
.stat-card h3 { font-size:.88rem; margin-bottom:8px; }
.stat-card p { font-size:.86rem; }
.stat-source { display:inline-block; margin-top:12px; font-size:.75rem; font-weight:700; color:var(--text); text-decoration:underline; }
.stat-source:hover { color:var(--blue); }
.stats-note { margin-top:20px; max-width:760px; font-size:.86rem; }

.check-list { list-style:none; margin:0; padding:0; display:grid; gap:12px; max-width:760px; }
.check-list li { font-size:.95rem; color:var(--text); padding-left:26px; position:relative; }
.check-list li::before { content:"✓"; position:absolute; left:0; color:var(--good); font-weight:700; }
.before-dispute-note { margin-top:22px; max-width:760px; font-size:.86rem; }

.steps { display:grid; grid-template-columns:repeat(4,1fr); gap:22px; }
.step { padding:22px; border:1px solid var(--line); border-radius:10px; background:var(--pale); }
.step-num { display:grid; place-items:center; width:30px; height:30px; border-radius:50%; background:var(--navy); color:#fff; font:800 .85rem/1 Manrope,sans-serif; margin-bottom:14px; }
.step h3 { font-size:.98rem; margin-bottom:8px; }
.step p { font-size:.86rem; }

.features-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.feature-card { padding:22px; border:1px solid var(--line); border-radius:10px; }
.fi { display:grid; place-items:center; width:34px; height:34px; border-radius:8px; background:var(--pale); color:var(--blue); font-size:1.1rem; margin-bottom:14px; }
.feature-card h3 { font-size:.96rem; margin-bottom:8px; }
.feature-card p { font-size:.86rem; }

.compare-foot { margin-top:14px; font-size:.78rem; }

.pricing-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.price-card { position:relative; padding:26px 24px; border:1px solid var(--line); border-radius:12px; display:flex; flex-direction:column; }
.price-card.featured { border-color:var(--blue); box-shadow:0 0 0 1px var(--blue); }
.price-badge { position:absolute; top:-11px; right:20px; background:var(--blue); color:#fff; font-size:.68rem; font-weight:700; text-transform:uppercase; padding:4px 10px; border-radius:20px; }
.price-card h3 { font-size:1.05rem; }
.price-amount { font:800 2rem/1 Manrope,sans-serif; margin:14px 0 4px; }
.price-amount span { font-size:.95rem; font-weight:600; color:var(--text); }
.price-meta { font-size:.8rem; color:var(--text); margin-bottom:18px; }
.price-card ul { list-style:none; margin:0 0 20px; padding:0; flex:1; }
.price-card li { font-size:.86rem; color:var(--text); padding-left:20px; position:relative; margin-bottom:10px; }
.price-card li::before { content:"✓"; position:absolute; left:0; color:var(--good); font-weight:700; }
.pricing-note { margin-top:20px; font-size:.82rem; }

.faq { display:grid; gap:12px; max-width:760px; }
.faq details { border:1px solid var(--line); border-radius:10px; padding:16px 18px; }
.faq summary { cursor:pointer; font-weight:700; font-size:.94rem; list-style:none; display:flex; justify-content:space-between; }
.faq summary::-webkit-details-marker { display:none; }
.faq summary::after { content:"+"; font-size:1.2rem; color:var(--blue); }
.faq details[open] summary::after { content:"−"; }
.faq p { font-size:.88rem; margin-top:12px; }

/* Dedicated FAQ page (faq.html) — grouped question sections, a table of
   contents, and richer answer bodies than the short FAQ on the landing page. */
.faq-toc { margin-top:44px; }
.faq-group { padding:52px 0; border-bottom:1px solid var(--line); }
.faq-group:first-of-type { padding-top:8px; }
.faq-group:last-of-type { border-bottom:none; }
.faq-group h2 { font-size:1.3rem; margin-bottom:8px; scroll-margin-top:24px; }
.faq-group .group-intro { max-width:760px; margin-bottom:22px; font-size:.92rem; }
.faq details p + p { margin-top:10px; }
.faq details ul { margin:12px 0 0; padding:0 0 0 20px; }
.faq details li { font-size:.88rem; color:var(--text); line-height:1.62; margin-bottom:6px; }
.faq details li:last-child { margin-bottom:0; }
.faq details strong { color:var(--navy); }
.faq details a { font-weight:600; }
.faq-note { max-width:760px; margin-top:18px; font-size:.8rem; color:var(--text); }

.cta-band { padding:56px 0; background:var(--navy); text-align:center; }
.cta-band h2 { color:#fff; margin-bottom:14px; }
.cta-band p { color:#c7d3e6; max-width:560px; margin:0 auto 26px; }
.cta-band .cta-row { justify-content:center; }
.cta-band .button.secondary { color:#fff; border-color:#3a5482; }

.card { padding:20px 24px; border:1px solid var(--line); border-radius:10px; background:var(--pale); margin-bottom:44px; }
.card p.card-label { margin:0 0 8px; font-size:.78rem; font-weight:800; letter-spacing:.04em; text-transform:uppercase; color:var(--navy); }
.card ol { margin:0; padding:0 0 0 18px; columns:2; column-gap:28px; font-size:.86rem; line-height:2; }
.card a { color:var(--blue); font-weight:600; }
@media (max-width:600px) { .card ol { columns:1; } }

section.doc-section { padding-bottom:40px; margin-bottom:8px; border-bottom:1px solid var(--line); }
section.doc-section:last-of-type { border-bottom:none; }
section.doc-section h2 { font-size:1.35rem; margin-bottom:14px; scroll-margin-top:24px; }
section.doc-section h3 { font-size:.92rem; font-weight:700; margin:22px 0 8px; color:var(--navy); }
section.doc-section p { font-size:.95rem; margin-bottom:14px; }
section.doc-section ul, section.doc-section ol { margin:0 0 14px; padding-left:20px; }
section.doc-section li { font-size:.95rem; line-height:1.7; color:var(--text); margin-bottom:7px; }
section.doc-section strong { color:var(--navy); }
code { background:var(--pale); border:1px solid var(--line); border-radius:4px; padding:1px 6px; font-size:.85em; }

.table-wrap { overflow-x:auto; margin:0 0 16px; border:1px solid var(--line); border-radius:10px; }
table { width:100%; border-collapse:collapse; font-size:.84rem; }
th, td { text-align:left; padding:11px 15px; border-bottom:1px solid var(--line); vertical-align:top; line-height:1.55; }
th { background:var(--pale); color:var(--navy); font-weight:700; font-family:Manrope,sans-serif; }
tr:last-child td { border-bottom:none; }
td { color:var(--text); }

.back-link { display:inline-block; margin-top:8px; font-size:.86rem; font-weight:700; }

.doc-footnote { margin-top:32px; padding-top:20px; font-size:.82rem; color:var(--text); }

.flag-note { margin:0 0 44px; padding:16px 20px; border:1px solid #f0d999; border-radius:10px; background:#fdf8ec; font-size:.86rem; color:#7a5e14; }
.flag-note strong { color:#5c4610; }

footer { padding:28px 0; border-top:1px solid var(--line); color:#738196; font-size:.78rem; }
.footer { display:flex; justify-content:space-between; align-items:center; gap:20px; flex-wrap:wrap; }
.footer .brand { color:var(--navy); font-size:.85rem; }
.footer .mark { width:25px; height:25px; font-size:.75rem; }
.footer-links { display:flex; gap:16px; flex-wrap:wrap; }
.footer-links a { color:#738196; font-weight:600; }
.footer-links a:hover { color:var(--blue); }

@media (max-width:900px) {
  .steps { grid-template-columns:repeat(2,1fr); }
  .features-grid { grid-template-columns:repeat(2,1fr); }
  .stats-grid { grid-template-columns:1fr; }
  .pricing-grid { grid-template-columns:1fr; }
}
@media (max-width:700px) {
  .hero { padding:52px 0 40px; }
  .policy-hero { padding:52px 0 40px; }
  .doc { margin:48px auto 73px; }
  section.block { padding:48px 0; }
  .steps { grid-template-columns:1fr; }
  .features-grid { grid-template-columns:1fr; }
  nav { min-height:70px; }
  .brand { min-width:0; }
  .nav-links { flex:none; gap:0; }
  .nav-links a { display:none; }
  .nav-links .nav-cta { display:inline-block; }
  .nav-links a[href^="mailto:"] { display:inline-block; white-space:nowrap; }
  .footer { align-items:flex-start; flex-direction:column; }
}