:root { --pri: #667eea; --pri2: #764ba2; --ink: #1f2937; --muted: #6b7280; --line: #e9ecf6; --soft: #f8f9ff; }
        html { scroll-behavior: smooth; }
        body { background: #fff; font-family: 'Segoe UI', system-ui, sans-serif; color: var(--ink); overflow-x: hidden; }
        a { text-decoration: none; }

        .site-nav { background: rgba(255,255,255,.97); backdrop-filter: blur(12px); box-shadow: 0 1px 16px rgba(0,0,0,.08); padding: .75rem 0; }
        .site-nav .nav-link { color: #444 !important; font-weight: 600; font-size: .92rem; padding: .4rem .9rem !important; transition: color .2s; }
        .site-nav .nav-link:hover, .site-nav .nav-link.active { color: var(--pri) !important; }
        .btn-nav-login { background: linear-gradient(135deg,var(--pri),var(--pri2)); color:#fff !important; border-radius:50px; padding:.45rem 1.4rem !important; font-weight:700 !important; box-shadow:0 4px 14px rgba(102,126,234,.35); transition:all .25s; }
        .btn-nav-login:hover { transform:translateY(-2px); box-shadow:0 8px 20px rgba(102,126,234,.45); }

        .page-hero { background: linear-gradient(135deg,#0f0c29 0%,#302b63 50%,#24243e 100%); padding: 70px 0 55px; }
        .hero-badge { display:inline-flex; align-items:center; gap:.4rem; background:rgba(255,255,255,.12); color:rgba(255,255,255,.9); font-size:.78rem; font-weight:700; padding:.35rem .9rem; border-radius:50px; margin-bottom:1rem; }

        .refund-section { padding: 60px 0; }

        .toc-card { background: var(--soft); border-radius: 14px; padding: 1.25rem; position: sticky; top: 80px; border: 1px solid var(--line); }
        .toc-title { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: .85rem; }
        .toc-link { display: flex; align-items: flex-start; gap: .5rem; padding: .42rem .5rem; border-radius: 8px; font-size: .85rem; color: var(--muted); transition: all .18s; margin-bottom: .1rem; }
        .toc-link:hover { background: #fff; color: var(--pri); }
        .toc-link i { margin-top: 3px; font-size: .65rem; flex-shrink: 0; }

        .refund-card { background: #fff; border-radius: 16px; border: 1px solid var(--line); padding: 2rem; margin-bottom: 1.5rem; }
        .refund-header { background: linear-gradient(135deg,var(--pri),var(--pri2)); border-radius: 12px; padding: 1.5rem; margin-bottom: 1.5rem; }

        .section-num { display:inline-flex; align-items:center; justify-content:center; width:32px; height:32px; border-radius:50%; font-size:.85rem; font-weight:700; color:#fff; background:linear-gradient(135deg,var(--pri),var(--pri2)); margin-right:.6rem; flex-shrink:0; }

        .guarantee-box { background: linear-gradient(135deg,#d1fae5,#a7f3d0); border-radius: 16px; padding: 2rem; text-align: center; margin-bottom: 1.5rem; }
        .guarantee-badge { display:inline-flex; align-items:center; gap:.5rem; background:#fff; color:#059669; font-weight:700; font-size:1.1rem; border-radius:50px; padding:.6rem 1.5rem; margin-bottom:1rem; box-shadow:0 4px 16px rgba(5,150,105,.15); }

        .timeline-item { display:flex; gap:1.25rem; margin-bottom:1.25rem; align-items:flex-start; }
        .timeline-num { flex-shrink:0; width:34px; height:34px; border-radius:50%; background:linear-gradient(135deg,var(--pri),var(--pri2)); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:700; font-size:.88rem; margin-top:2px; }
        .timeline-body strong { display:block; font-size:.93rem; margin-bottom:.2rem; }
        .timeline-body span { font-size:.85rem; color:var(--muted); line-height:1.6; }

        .info-row { display:flex; gap:.75rem; align-items:flex-start; padding:.85rem 0; border-bottom:1px solid var(--line); }
        .info-row:last-child { border-bottom:none; }
        .info-row-icon { flex-shrink:0; width:36px; height:36px; border-radius:10px; background:var(--soft); display:flex; align-items:center; justify-content:center; font-size:.9rem; color:var(--pri); margin-top:2px; }
        .info-row-text strong { display:block; font-size:.9rem; margin-bottom:.15rem; }
        .info-row-text span { font-size:.84rem; color:var(--muted); line-height:1.6; }

        .alert-refund { border-radius:12px; border:1px solid #fde68a; background:#fffbeb; padding:1rem 1.25rem; font-size:.88rem; color:#92400e; }
        .alert-refund i { color:#d97706; }

        .contact-cta { background:linear-gradient(135deg,var(--pri),var(--pri2)); border-radius:16px; padding:2rem; text-align:center; color:#fff; }
        .contact-cta .btn-white { background:#fff; color:var(--pri); font-weight:700; border-radius:50px; padding:.55rem 1.6rem; border:none; font-size:.9rem; transition:all .2s; }
        .contact-cta .btn-white:hover { transform:translateY(-2px); box-shadow:0 6px 16px rgba(0,0,0,.2); }
        .contact-cta .btn-outline-white { border:2px solid rgba(255,255,255,.6); color:#fff; font-weight:700; border-radius:50px; padding:.55rem 1.6rem; background:transparent; font-size:.9rem; transition:all .2s; }
        .contact-cta .btn-outline-white:hover { background:rgba(255,255,255,.15); border-color:#fff; }

        .site-footer { background:#0f0c29; color:#fff; padding:3.5rem 0 1.5rem; margin-top:4rem; }
        .footer-brand p { color:rgba(255,255,255,.5); font-size:.88rem; line-height:1.7; }
        .footer-links h6 { font-weight:700; font-size:.85rem; text-transform:uppercase; letter-spacing:.5px; margin-bottom:1rem; color:rgba(255,255,255,.7); }
        .footer-links ul { list-style:none; padding:0; margin:0; }
        .footer-links li { margin-bottom:.55rem; }
        .footer-links a { color:rgba(255,255,255,.45); font-size:.88rem; transition:color .2s; }
        .footer-links a:hover { color:#fff; }
        .social-btn { display:inline-flex; width:34px; height:34px; border-radius:50%; background:rgba(255,255,255,.08); color:rgba(255,255,255,.6); align-items:center; justify-content:center; margin-right:.5rem; font-size:.85rem; transition:all .2s; }
        .social-btn:hover { background:var(--pri); color:#fff; }
        .footer-divider { border-color:rgba(255,255,255,.1); margin:1.5rem 0; }
        .footer-bottom { color:rgba(255,255,255,.35); font-size:.82rem; }

        @media (max-width:991.98px) { .toc-card { position:static; margin-bottom:1.5rem; } }