.refund-hero {
            padding: 148px 0 64px;
            background: linear-gradient(140deg, #e8f4ff 0%, #f4f6fb 45%, #fff4ec 100%);
            position: relative;
            overflow: hidden;
        }
        .refund-hero::before {
            content: '';
            position: absolute;
            width: 520px; height: 520px;
            border-radius: 50%;
            background: radial-gradient(circle, rgba(59,130,246,.13) 0%, transparent 70%);
            top: -160px; right: -100px;
            pointer-events: none;
        }
        .refund-hero::after {
            content: '';
            position: absolute;
            width: 380px; height: 380px;
            border-radius: 50%;
            background: radial-gradient(circle, rgba(249,115,22,.09) 0%, transparent 70%);
            bottom: -100px; left: -60px;
            pointer-events: none;
        }

        .refund-hero-inner {
            display: flex;
            flex-direction: column;
            align-items: center;
            text-align: center;
            position: relative;
            z-index: 2;
        }

        /* ── Pill badge ── */
        .policy-badge {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            padding: 6px 16px 6px 10px;
            border-radius: 100px;
            background: #fff;
            border: 1.5px solid rgba(249,115,22,.28);
            box-shadow: 0 2px 12px rgba(249,115,22,.1);
            font-size: .75rem;
            font-weight: 700;
            letter-spacing: .06em;
            text-transform: uppercase;
            color: var(--indigo-deep);
            margin-bottom: 22px;
        }
        .policy-badge-icon {
            width: 26px; height: 26px;
            border-radius: 50%;
            background: var(--indigo-dim);
            display: flex; align-items: center; justify-content: center;
            font-size: .78rem;
        }

        /* ── Hero heading ── */
        .refund-hero-h {
            font-family: var(--font-h);
            font-size: clamp(2.4rem, 5vw, 4rem);
            font-weight: 300;
            line-height: 1.08;
            letter-spacing: -.025em;
            color: var(--text);
            margin-bottom: 14px;
        }
        .refund-hero-h strong { font-weight: 700; display: block; }
        .refund-hero-h em {
            font-style: italic;
            background: linear-gradient(135deg, var(--teal-deep) 0%, var(--indigo) 100%);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            background-clip: text;
        }

        .refund-hero-sub {
            font-size: .92rem;
            color: var(--text-3);
            line-height: 1.8;
            max-width: 480px;
            margin-bottom: 0;
        }

        /* ── Divider line ── */
        .refund-divider {
            width: 100%;
            height: 1px;
            background: linear-gradient(90deg, transparent, rgba(59,130,246,.25) 30%, rgba(249,115,22,.2) 70%, transparent);
            margin: 20px 0 0;
        }

        /* ── Main content card ── */
        .refund-body {
            padding: 72px 0 96px;
            background: var(--bg);
            position: relative;
            z-index: 2;
        }

        .refund-layout {
            display: grid;
            grid-template-columns: 1fr 300px;
            gap: 40px;
            align-items: start;
        }

        /* ── Policy card ── */
        .policy-card {
            background: #fff;
            border-radius: var(--radius-xl);
            border: 1.5px solid var(--border);
            box-shadow: var(--shadow-md);
            overflow: hidden;
        }

        .policy-card-top {
            height: 4px;
            background: linear-gradient(90deg, var(--teal-deep), var(--teal) 50%, var(--indigo));
        }

        .policy-card-body {
            padding: 40px 44px;
        }

        /* ── Section blocks ── */
        .policy-block {
            margin-bottom: 36px;
        }
        .policy-block:last-child { margin-bottom: 0; }

        .policy-block-label {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            font-size: .68rem;
            font-weight: 700;
            letter-spacing: .12em;
            text-transform: uppercase;
            color: var(--indigo-deep);
            margin-bottom: 10px;
        }
        .policy-block-label .dot {
            width: 6px; height: 6px;
            border-radius: 50%;
            background: var(--indigo);
        }

        .policy-block h3 {
            font-family: var(--font-h);
            font-size: 1.2rem;
            font-weight: 600;
            color: var(--text);
            margin-bottom: 10px;
            line-height: 1.3;
        }

        .policy-block p {
            font-size: .9rem;
            color: var(--text-3);
            line-height: 1.85;
        }

        /* ── Highlight callout ── */
        .policy-callout {
            display: flex;
            gap: 14px;
            padding: 18px 20px;
            border-radius: var(--radius);
            margin: 12px 0;
        }
        .callout-blue {
            background: linear-gradient(135deg, rgba(59,130,246,.07), rgba(59,130,246,.03));
            border: 1.5px solid rgba(59,130,246,.2);
        }
        .callout-orange {
            background: linear-gradient(135deg, rgba(249,115,22,.07), rgba(249,115,22,.03));
            border: 1.5px solid rgba(249,115,22,.2);
        }
        .callout-icon {
            width: 36px; height: 36px;
            border-radius: 10px;
            display: flex; align-items: center; justify-content: center;
            font-size: 1rem;
            flex-shrink: 0;
            margin-top: 1px;
        }
        .ci-blue  { background: rgba(59,130,246,.12); }
        .ci-orange{ background: rgba(249,115,22,.12); }
        .callout-text {
            font-size: .86rem;
            color: var(--text-2);
            line-height: 1.75;
        }
        .callout-text strong {
            font-weight: 700;
            display: block;
            margin-bottom: 3px;
            font-size: .82rem;
            letter-spacing: .02em;
        }
        .callout-blue .callout-text strong  { color: var(--teal-deep); }
        .callout-orange .callout-text strong{ color: var(--indigo-deep); }

        /* ── Steps list ── */
        .policy-steps {
            display: flex;
            flex-direction: column;
            gap: 10px;
            margin-top: 10px;
        }
        .ps-item {
            display: flex;
            align-items: flex-start;
            gap: 12px;
            padding: 12px 16px;
            border-radius: 10px;
            background: var(--bg);
            border: 1px solid var(--border);
            font-size: .86rem;
            color: var(--text-2);
            line-height: 1.65;
            transition: all .25s var(--ease);
        }
        .ps-item:hover {
            border-color: rgba(59,130,246,.3);
            background: rgba(59,130,246,.04);
        }
        .ps-num {
            min-width: 24px; height: 24px;
            border-radius: 6px;
            background: var(--teal-dim);
            color: var(--teal-deep);
            font-size: .7rem;
            font-weight: 800;
            display: flex; align-items: center; justify-content: center;
            flex-shrink: 0;
        }

        /* ── Divider between blocks ── */
        .policy-sep {
            height: 1px;
            background: var(--border);
            margin: 32px 0;
        }

        /* ── Sidebar ── */
        .refund-sidebar {
            display: flex;
            flex-direction: column;
            gap: 18px;
            position: sticky;
            top: 100px;
        }

        .sidebar-card {
            background: #fff;
            border-radius: var(--radius-lg);
            border: 1.5px solid var(--border);
            box-shadow: var(--shadow);
            overflow: hidden;
        }

        .sidebar-card-bar {
            height: 3px;
        }
        .bar-blue   { background: linear-gradient(90deg, var(--teal-deep), var(--teal)); }
        .bar-orange { background: linear-gradient(90deg, var(--indigo-deep), var(--indigo)); }

        .sidebar-card-body {
            padding: 22px 20px;
        }

        .sidebar-card h4 {
            font-size: .85rem;
            font-weight: 700;
            color: var(--text);
            margin-bottom: 6px;
        }
        .sidebar-card p {
            font-size: .8rem;
            color: var(--text-3);
            line-height: 1.7;
            margin-bottom: 14px;
        }

        .sidebar-contact-link {
            display: flex;
            align-items: center;
            gap: 8px;
            padding: 10px 14px;
            border-radius: 8px;
            background: var(--bg);
            border: 1px solid var(--border);
            font-size: .8rem;
            color: var(--text-2);
            font-weight: 500;
            margin-bottom: 8px;
            transition: all .25s;
            text-decoration: none;
        }
        .sidebar-contact-link:hover {
            border-color: var(--teal);
            background: var(--teal-pale);
            color: var(--teal-deep);
        }
        .sidebar-contact-link .ic {
            width: 28px; height: 28px;
            border-radius: 7px;
            display: flex; align-items: center; justify-content: center;
            font-size: .85rem;
            flex-shrink: 0;
        }
        .ic-blue   { background: var(--teal-dim); color: var(--teal-deep); }
        .ic-green  { background: rgba(37,211,102,.1); color: #128c7e; }

        /* ── Summary chips ── */
        .summary-chips {
            display: flex;
            flex-direction: column;
            gap: 8px;
        }
        .s-chip {
            display: flex;
            align-items: center;
            gap: 9px;
            padding: 9px 12px;
            border-radius: 8px;
            font-size: .8rem;
            font-weight: 500;
        }
        .sc-blue {
            background: rgba(59,130,246,.07);
            color: var(--teal-deep);
            border: 1px solid rgba(59,130,246,.15);
        }
        .sc-orange {
            background: rgba(249,115,22,.07);
            color: var(--indigo-deep);
            border: 1px solid rgba(249,115,22,.15);
        }

        /* ── Footer note ── */
        .refund-footer-note {
            margin-top: 48px;
            padding: 20px 24px;
            border-radius: var(--radius);
            background: linear-gradient(135deg, rgba(59,130,246,.06), rgba(249,115,22,.04));
            border: 1px solid rgba(59,130,246,.15);
            font-size: .8rem;
            color: var(--text-3);
            text-align: center;
            line-height: 1.75;
        }

        /* ── Responsive ── */
        @media (max-width: 900px) {
            .refund-layout { grid-template-columns: 1fr; }
            .refund-sidebar { position: static; }
        }
        @media (max-width: 640px) {
            .policy-card-body { padding: 28px 22px; }
        }