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

:root {
  --navy: #123c78;
  --blue: #1769df;
  --light: #f3f7fd;
  --text: #243247;
  --muted: #65748a;
  --white: #ffffff;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 85px;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  line-height: 1.65;
  background: #fff;
}

a {
  text-decoration: none;
}

.topbar {
  background: var(--navy);
  color: white;
  text-align: center;
  padding: 8px 12px;
  font-size: 12px;
  letter-spacing: 0.5px;
}

.header {
  background: white;
  padding: 15px 5%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  box-shadow: 0 3px 18px #102b4d0c;
  position: sticky;
  top: 0;
  z-index: 10;
}

.logo {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 19px;
  font-weight: 800;
  color: var(--navy);
}

.logo-icon {
  background: var(--blue);
  color: white;
  width: 35px;
  height: 35px;
  border-radius: 10px;
  display: grid;
  place-items: center;
}

.blue {
  color: var(--blue);
}

.menu-btn {
  border: 1px solid #dce5f1;
  background: white;
  padding: 7px 12px;
  border-radius: 8px;
  font-size: 22px;
  color: var(--navy);
  cursor: pointer;
}

nav {
  display: none;
  width: 100%;
  flex-direction: column;
  gap: 3px;
}

nav.open {
  display: flex;
}

nav a {
  padding: 10px 6px;
  color: var(--text);
  font-size: 14px;
}

nav a:hover {
  color: var(--blue);
}

.hero {
  padding: 65px 6% 55px;
  background: linear-gradient(135deg, #eaf2ff, #f8fbff 65%, #e3eeff);
}

.hero-content {
  max-width: 760px;
  margin: auto;
}

.eyebrow {
  color: var(--blue);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.5px;
}

h1 {
  font-size: clamp(34px, 8vw, 55px);
  line-height: 1.13;
  letter-spacing: -1.4px;
  color: var(--navy);
  margin: 16px 0;
}

h2 {
  font-size: clamp(26px, 6vw, 36px);
  line-height: 1.25;
  color: var(--navy);
  margin: 10px 0;
  letter-spacing: -0.5px;
}

.hero-content > p,
.section-heading p {
  color: var(--muted);
  font-size: 15px;
  max-width: 570px;
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 25px 0 18px;
}

.btn {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 18px;
  border-radius: 9px;
  font-size: 14px;
  font-weight: 700;
  text-align: center;
}

.primary {
  background: var(--blue);
  color: white;
}

.secondary {
  background: white;
  color: var(--navy);
  border: 1px solid #d4e1f5;
}

.disclaimer,
.small-note {
  font-size: 12px;
  color: var(--muted);
  margin-top: 15px;
}

.section,
.brand-section {
  padding: 55px 5%;
}

.section-heading {
  text-align: center;
  max-width: 650px;
  margin: 0 auto 28px;
}

.section-heading p {
  margin: 8px auto 0;
}

.cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 17px;
  max-width: 1050px;
  margin: auto;
}

.card,
.brand-card {
  border: 1px solid #e3eaf3;
  padding: 23px;
  border-radius: 15px;
  background: white;
  box-shadow: 0 8px 25px #183c6c08;
}

.card-icon {
  font-size: 29px;
  margin-bottom: 12px;
}

.card h3,
.brand-card h3 {
  color: var(--navy);
  font-size: 19px;
  margin-bottom: 7px;
}

.card p,
.brand-card p {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: 15px;
}

.card a,
.brand-card a {
  color: var(--blue);
  font-weight: 700;
  font-size: 13px;
}

.brand-section {
  background: var(--light);
}

.search-label {
  display: block;
  max-width: 650px;
  margin: 0 auto 8px;
  font-size: 13px;
  font-weight: 700;
}

.search {
  display: block;
  width: 100%;
  max-width: 650px;
  min-height: 48px;
  margin: 0 auto 22px;
  border: 1px solid #d7e1ef;
  background: white;
  border-radius: 10px;
  padding: 12px 15px;
  font-size: 15px;
  outline-color: var(--blue);
}

.brand-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 15px;
  max-width: 1000px;
  margin: auto;
}

.brand-card {
  padding: 21px;
}

#noResults {
  text-align: center;
  margin: 20px;
}

.faq-section details {
  max-width: 760px;
  margin: 12px auto;
  border: 1px solid #e0e7f1;
  padding: 17px;
  border-radius: 10px;
  background: white;
}

.faq-section summary {
  color: var(--navy);
  font-weight: 700;
  cursor: pointer;
}

.faq-section details p {
  color: var(--muted);
  font-size: 14px;
  padding-top: 12px;
}

.contact-section {
  margin: 15px 5% 45px;
  padding: 28px 23px;
  border-radius: 17px;
  background: #edf4ff;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 18px;
}

.contact-section p {
  color: var(--muted);
  font-size: 14px;
}

.footer {
  background: #102c52;
  color: white;
  padding: 30px 5%;
  text-align: center;
}

.footer a {
  display: inline-block;
  color: white;
  font-size: 12px;
  margin: 6px;
}

.footer p {
  font-size: 12px;
  margin-top: 14px;
}

.footer .small-note {
  color: #d2def0;
}

@media (min-width: 700px) {
  .header {
    flex-wrap: nowrap;
  }

  .menu-btn {
    display: none;
  }

  nav,
  nav.open {
    display: flex;
    width: auto;
    flex-direction: row;
    gap: 17px;
  }

  nav a {
    padding: 8px 0;
  }

  .hero {
    padding: 95px 8%;
  }

  .cards {
    grid-template-columns: repeat(3, 1fr);
  }

  .brand-list {
    grid-template-columns: repeat(3, 1fr);
  }

  .contact-section {
    padding: 40px;
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
  }
}

.policy-content {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  max-width: 1000px;
  margin: auto;
}

.policy-card {
  background: #fff;
  border: 1px solid #e1e9f4;
  border-radius: 14px;
  padding: 22px;
  margin: 12px auto;
  max-width: 900px;
  box-shadow: 0 8px 24px #123c7808;
}

.policy-card h3 {
  color: #123c78;
  font-size: 19px;
  margin-bottom: 10px;
}

.policy-card p {
  color: #65748a;
  font-size: 14px;
  margin-bottom: 12px;
}

.policy-card p:last-child {
  margin-bottom: 0;
}

@media (min-width: 700px) {
  .policy-content {
    grid-template-columns: repeat(3, 1fr);
  }
}

.brand-symbol {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  margin-bottom: 15px;
  border-radius: 13px;
  background: linear-gradient(135deg, #123c78, #3184ef);
  color: #fff;
  font-size: 21px;
  font-weight: 800;
  box-shadow: 0 6px 16px #1769df22;
}

.brand-card {
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.brand-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px #123c7815;
}

.brand-card[hidden] {
  display: none !important;
}

.brand-card a {
  display: inline-block;
  padding: 9px 0;
}

@media (prefers-reduced-motion: reduce) {
  .brand-card {
    transition: none;
  }

  html {
    scroll-behavior: auto;
  }
}

.faq-search-wrap {
  max-width: 760px;
  margin: 0 auto 24px;
}

.faq-list {
  max-width: 760px;
  margin: auto;
}

.faq-item {
  margin: 12px 0;
  border: 1px solid #e0e8f3;
  border-radius: 12px;
  background: #fff;
  overflow: hidden;
  transition: box-shadow 0.2s ease;
}

.faq-item[hidden] {
  display: none !important;
}

.faq-item summary {
  padding: 18px;
  padding-right: 38px;
  color: #123c78;
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  position: relative;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 16px;
  top: 14px;
  color: #1769df;
  font-size: 22px;
}

.faq-item[open] summary::after {
  content: "−";
}

.faq-item[open] {
  box-shadow: 0 7px 22px #123c780c;
}

.faq-item p {
  padding: 0 18px 18px;
  color: #65748a;
  font-size: 14px;
}

.faq-no-results {
  text-align: center;
  color: #65748a;
  padding: 20px;
}

.faq-no-results[hidden] {
  display: none !important;
}

.contact-form-section {
  background: #f3f7fd;
  padding: 45px 5%;
}

.form-intro {
  max-width: 650px;
  margin: 0 auto 25px;
  text-align: center;
}

.form-intro p {
  color: #65748a;
  font-size: 14px;
}

.contact-form {
  max-width: 650px;
  margin: auto;
  padding: 24px 20px;
  border-radius: 16px;
  background: #fff;
  border: 1px solid #e1e9f4;
  box-shadow: 0 10px 35px #123c780c;
}

.contact-form > label:not(.consent-row) {
  display: block;
  color: #123c78;
  font-size: 13px;
  font-weight: 700;
  margin: 17px 0 7px;
}

.contact-form input:not([type="checkbox"]),
.contact-form select,
.contact-form textarea {
  display: block;
  width: 100%;
  min-height: 47px;
  padding: 12px;
  border: 1px solid #d8e2ef;
  border-radius: 9px;
  background: #fff;
  color: #243247;
  font: inherit;
  font-size: 14px;
}

.contact-form textarea {
  resize: vertical;
  min-height: 120px;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  outline: 2px solid #1769df;
  outline-offset: 1px;
}

.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 20px 0;
  color: #53647a;
  font-size: 12px;
}

.consent-row input {
  margin-top: 4px;
  flex-shrink: 0;
}

.form-submit {
  width: 100%;
  border: none;
  cursor: pointer;
  font: inherit;
  font-weight: 700;
}

.form-status {
  color: #123c78;
  font-size: 13px;
  margin-top: 12px;
}

@media (min-width: 700px) {
  .contact-form-section {
    padding: 60px 8%;
  }

  .contact-form {
    padding: 32px;
  }
}

.privacy-section {
  max-width: 900px;
  margin: auto;
}

.policy-updated {
  color: #65748a;
  font-size: 13px;
  margin-bottom: 20px;
}

.privacy-card {
  background: #fff;
  border: 1px solid #e1e9f4;
  border-radius: 13px;
  padding: 22px;
  margin-bottom: 16px;
  box-shadow: 0 6px 20px #123c7808;
}

.privacy-card h2 {
  font-size: 21px;
  margin: 0 0 12px;
}

.privacy-card p {
  color: #53647a;
  font-size: 14px;
  margin-bottom: 12px;
}

.privacy-card p:last-of-type {
  margin-bottom: 0;
}

.privacy-button {
  margin-top: 18px;
}

@media (min-width: 700px) {
  .privacy-card {
    padding: 30px;
  }
}




/* =========================================
   REFUNDASSIST - FINAL FLOATING BUTTONS
   All buttons aligned in one vertical line
   ========================================= */

.floating-btn,
.back-to-top {
  box-sizing: border-box;
  position: fixed !important;
  right: 22px !important;
  left: auto !important;
  transform: none !important;
  z-index: 1000;
}

/* Common circular button design */
.floating-btn {
  width: 48px;
  height: 48px;
  min-width: 48px;
  padding: 0;
  border: 2px solid #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(17,42,75,.22);
}

.floating-btn svg {
  width: 23px;
  height: 23px;
  display: block;
  fill: currentColor;
  color: #fff;
}

/* Call button and caption stay together */
.call-widget {
  position: fixed !important;
  right: 22px !important;
  left: auto !important;
  bottom: 190px !important;
  width: 130px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 7px;
  z-index: 1002;
}

.call-widget .floating-call {
  position: relative !important;
  right: auto !important;
  left: auto !important;
  bottom: auto !important;
  width: 48px;
  height: 48px;
  min-width: 48px;
  background: linear-gradient(145deg,#3988ff,#0756ce);
}

.call-caption {
  position: static !important;
  display: block;
  width: 130px;
  margin: 0;
  padding: 8px 5px;
  box-sizing: border-box;
  border: 1px solid #42699a;
  border-radius: 9px;
  background: linear-gradient(135deg,#173f78,#0c2850);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  line-height: 1.4;
  text-align: center;
  white-space: normal;
  box-shadow: 0 4px 12px rgba(12,40,80,.2);
}

/* WhatsApp - below call widget */
.floating-whatsapp {
  bottom: 92px !important;
  background: linear-gradient(145deg,#25d366,#128c4a);
}

/* Back to top - below WhatsApp */
.back-to-top {
  bottom: 30px !important;
  width: 42px;
  height: 42px;
  padding: 0;
  border: 2px solid #fff;
  border-radius: 50%;
  display: none;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg,#24569a,#102f60);
  color: #fff;
  font-size: 23px;
  line-height: 1;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(17,42,75,.2);
}

.back-to-top.visible {
  display: flex;
}

.floating-btn:active,
.back-to-top:active {
  opacity: .9;
}

/* Android mobile screens */
@media (max-width: 380px) {
  .call-widget {
    right: 18px !important;
    bottom: 180px !important;
    width: 116px;
  }

  .call-widget .floating-call {
    width: 44px;
    height: 44px;
    min-width: 44px;
  }

  .call-caption {
    width: 116px;
    font-size: 10px;
  }

  .floating-btn {
    right: 18px !important;
    width: 44px;
    height: 44px;
    min-width: 44px;
  }

  .floating-whatsapp {
    bottom: 92px !important;
  }

  .back-to-top {
    right: 18px !important;
    bottom: 30px !important;
    width: 40px;
    height: 40px;
  }
}/* Move WhatsApp to the left of Call button */
.floating-whatsapp {
  right: 85px !important;
  left: auto !important;
}

/* Move Back to Top to the left of Call button */
.back-to-top {
  right: 85px !important;
  left: auto !important;
}

/* Small Android screens */
@media (max-width: 380px) {
  .floating-whatsapp {
    right: 63px !important;
  }

  .back-to-top {
    right: 63px !important;
  }
}/* WhatsApp - slightly right and up */
.floating-whatsapp {
  right: 60px !important;
  bottom: 130px !important;
  left: auto !important;
}

/* Back to Top - slightly right and up */
.back-to-top {
  right: 60px !important;
  bottom: 65px !important;
  left: auto !important;
}

/* Small Android screens */
@media (max-width: 380px) {
  .floating-whatsapp {
    right: 48px !important;
    bottom: 125px !important;
  }

  .back-to-top {
    right: 48px !important;
    bottom: 60px !important;
  }
}