/* Restitutia: visual language mirrors onlinerefundee.com (Poppins, navy/green palette, pill CTAs). */
:root{--navy:#0B2340;--navy-deep:#071831;--navy-soft:#1A3458;--green:#2E9B6E;--green-deep:#228059;--green-cta:#1d6e4d;--green-cta-hover:#155a3d;--green-soft:#E8F5EE;--cream:#FAFAF7;--paper:#FFFFFF;--ink:#0F1620;--ink-soft:#3D4654;--muted:#6B7280;--mute:#6B7280;--line:#E5E7EB;--warn:#b42318;--warnbg:#fff1ef;--ok:#1d6e4d;--radius-lg:24px;--shadow-md:0 4px 16px rgba(11,35,64,.08);--shadow-lg:0 24px 48px -16px rgba(11,35,64,.18);--font:'Poppins',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--ink);font:17px/1.6 var(--font);-webkit-font-smoothing:antialiased}
a{color:var(--green-deep)}
h1,h2,h3{font-weight:700;line-height:1.15;letter-spacing:-.02em;color:var(--navy)}
h2{font-size:clamp(1.6rem,3vw,2.4rem)}
.container{max-width:1180px;margin:0 auto;padding:0 20px}
/* header */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(12px);-webkit-backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.top-inner{max-width:1180px;margin:0 auto;padding:12px 20px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.brand{display:inline-flex;align-items:center;text-decoration:none}.brand img{display:block;height:30px;width:auto}.brand .logo-mark{display:none}
.brand .mark{width:30px;height:30px;border-radius:9px;background:var(--navy);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:1rem;font-weight:800}
.nav{display:flex;align-items:center;gap:6px}.nav .lnk{color:var(--ink-soft);text-decoration:none;font-size:.92rem;font-weight:500;padding:8px 10px}.nav .lnk:hover{color:var(--navy)}
.wa-cta{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:10px 14px;border-radius:999px;background:#25D366;color:var(--navy);font-weight:600;font-size:.92rem;text-decoration:none;transition:background .2s,transform .2s}.wa-cta svg{width:16px;height:16px}.wa-cta:hover{background:#1ebe57;transform:translateY(-1px)}
.cta-pill .lbl-short{display:none}.cta-pill{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:11px 18px;border-radius:999px;background:var(--green-cta);color:#fff;font-weight:600;font-size:.92rem;text-decoration:none;box-shadow:0 4px 14px rgba(46,155,110,.28);white-space:nowrap;transition:background .2s,transform .2s}.cta-pill:hover{background:var(--green-cta-hover);transform:translateY(-1px)}.cta-pill svg{width:14px;height:14px}
@media(max-width:820px){.nav .wa-cta .wa-label{display:none}.nav .wa-cta{padding:10px 12px}}
@media(max-width:720px){.nav .wa-cta{display:none}.cta-pill .lbl-long{display:none}.cta-pill .lbl-short{display:inline}.top-inner{gap:8px;padding:10px 14px}.brand{font-size:1.1rem;gap:7px}.brand .mark{width:26px;height:26px;font-size:.9rem}.nav{gap:6px}.nav .lnk{display:none}.nav .wa-cta .wa-label{display:none}.nav .wa-cta{padding:10px 12px}.cta-pill{padding:10px 13px;font-size:.86rem}.cta-pill svg{display:none}}
@media(max-width:360px){.brand-txt{display:none}.cta-pill{padding:10px 11px;font-size:.82rem}}
/* hero */
.hero{position:relative;padding:56px 0 64px;overflow:hidden}
.hero::before{content:'';position:absolute;top:-100px;right:-5vw;width:50vw;max-width:700px;height:600px;background:radial-gradient(circle,rgba(46,155,110,.08),transparent 60%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1fr);gap:28px;align-items:start}.hero-content,.hero-form{min-width:0}.hero-content{display:contents}.hero-main,.hero-extra{min-width:0}.hero-main{order:1}.hero-form{order:2}.hero-extra{order:3}
@media(min-width:980px){.hero-grid{grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);grid-template-areas:'main form' 'extra form';column-gap:72px;row-gap:0}.hero-main{grid-area:main}.hero-form{grid-area:form}.hero-extra{grid-area:extra}}
.eyebrow{font-size:.78rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--green-deep);display:inline-flex;align-items:center;gap:8px;margin-bottom:16px}.eyebrow::before{content:'';width:24px;height:1px;background:var(--green-deep)}
.hero-headline{font-size:clamp(2.2rem,4.8vw,3.5rem);margin:0 0 20px;line-height:1.08}.hero-headline em{font-style:italic;color:var(--green-deep);font-weight:500}
.hero-sub{font-size:1.15rem;color:var(--ink-soft);max-width:560px;margin:0 0 26px;line-height:1.55}
.hero-cta-primary{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:18px 28px;background:var(--green-cta);color:#fff;font-weight:700;font-size:1.05rem;border-radius:999px;text-decoration:none;box-shadow:0 6px 18px rgba(46,155,110,.28);transition:background .2s,transform .2s}.hero-cta-primary:hover{background:var(--green-cta-hover);transform:translateY(-2px)}.hero-cta-primary svg{width:18px;height:18px}
.micro{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.88rem;color:var(--ink-soft);margin:14px 0 26px}.micro span{display:inline-flex;align-items:center;gap:5px}.micro svg{width:14px;height:14px;color:var(--green)}
.search{display:flex;gap:8px;max-width:560px}.search input{flex:1;min-width:0;width:100%;padding:13px 16px;border:1px solid var(--line);border-radius:999px;font:inherit;font-size:1rem;background:var(--paper)}.search button{background:transparent;color:var(--navy);border:1.5px solid var(--navy);border-radius:999px;padding:11px 20px;font:inherit;font-weight:600;cursor:pointer}.search button:hover{background:var(--navy);color:#fff}
.hero-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;padding:22px 0;margin-top:28px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}@media(min-width:600px){.hero-stats{grid-template-columns:repeat(4,1fr)}}
.stat-num{font-size:clamp(1.5rem,2.8vw,2.1rem);font-weight:600;color:var(--navy);letter-spacing:-.02em;line-height:1}.stat-label{font-size:.84rem;color:var(--muted);margin-top:6px}
.trust-row{display:flex;flex-wrap:wrap;gap:18px;margin-top:20px}.trust-item{display:flex;align-items:center;gap:8px;font-size:.88rem;color:var(--ink-soft);font-weight:500}.trust-item svg{width:18px;height:18px;color:var(--green);flex-shrink:0}
.hero-form .ol-lf{margin:0;max-width:none;box-shadow:var(--shadow-lg)}
/* strips and sections */
.strip{padding:20px 0;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line);text-align:center;color:var(--ink-soft);font-size:.98rem}.strip a{font-weight:700;color:var(--navy)}
.sec{padding:72px 0}.sec.alt{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{text-align:center;max-width:720px;margin:0 auto 40px}.section-head h2{margin:0 0 14px}.section-head p{font-size:1.08rem;color:var(--ink-soft);margin:0}
.steps-grid,.why-grid{display:grid;grid-template-columns:1fr;gap:20px}@media(min-width:720px){.steps-grid{grid-template-columns:repeat(3,1fr)}.why-grid{grid-template-columns:repeat(2,1fr)}}
.step-card,.why-card{padding:30px;border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--cream)}.why-card{background:var(--paper)}.why-card:hover{border-color:var(--green);box-shadow:var(--shadow-md)}
.step-num{font-size:3rem;font-style:italic;font-weight:400;color:var(--green);line-height:1;margin-bottom:14px}.step-card h3,.why-card h3{font-size:1.2rem;margin:0 0 10px}.step-card p,.why-card p{font-size:.95rem;color:var(--ink-soft);margin:0;line-height:1.6}
/* case lists */
.cases{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:12px}@media(min-width:720px){.cases.cards{grid-template-columns:repeat(2,1fr)}}
.cases li{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:14px 18px;display:flex;flex-direction:column;gap:3px}.cases li[hidden]{display:none}.cases li a{font-weight:600;color:var(--navy);text-decoration:none;font-size:1.02rem}.cases li a:hover{color:var(--green-deep)}.cases li span{color:var(--muted);font-size:.86rem}
.more{text-align:center;margin-top:28px}.btn-outline{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border:1.5px solid var(--navy);border-radius:999px;color:var(--navy);text-decoration:none;font-weight:600}.btn-outline:hover{background:var(--navy);color:#fff}.btn-outline svg{width:16px;height:16px;flex-shrink:0}
.grp{margin-top:36px}.grp h2{font-size:1.25rem;margin:0 0 12px}.grp h2 small{color:var(--muted);font-weight:500;font-size:.9rem;margin-left:6px}
/* final cta */
.final-cta{padding:80px 0;text-align:center;background:var(--navy);color:#fff}.final-cta h2{color:#fff;margin:0 0 14px}.final-cta p{font-size:1.1rem;max-width:620px;margin:0 auto 28px;color:#c7d6ea}.final-cta .row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.final-cta-btn{display:inline-flex;align-items:center;gap:10px;padding:18px 32px;background:#37A66B;color:#0B2340;border-radius:999px;font-weight:700;font-size:1.05rem;text-decoration:none;transition:background .2s,transform .2s}.final-cta-btn:hover{background:#2E9B6E;transform:translateY(-2px)}.final-cta-btn svg{width:18px;height:18px}
.final-cta .wa-cta{padding:16px 24px;font-size:1rem}.final-cta .wa-outline{background:transparent;color:#fff;border:1.5px solid #25D366}.final-cta .wa-outline svg{color:#25D366}.final-cta .wa-outline:hover{background:rgba(37,211,102,.12);transform:none}
/* narrow pages: case files and legal */
.case{max-width:760px;margin:0 auto;padding:36px 20px 72px}.crumb{color:var(--mute);font-size:.9rem;margin:0 0 10px}.crumb a{color:var(--mute)}
.case h1{font-size:2rem;margin:0 0 8px}.lede{font-size:1.15rem;color:var(--ink-soft);margin:0 0 14px}
.badge{display:inline-block;background:var(--warnbg);color:var(--warn);border:1px solid #f2c4bd;border-radius:999px;padding:6px 14px;font-weight:600;font-size:.92rem}
.case section{margin-top:32px}.case h2{font-size:1.25rem;margin:0 0 10px}.summary p{font-size:1.05rem;border-left:3px solid var(--warn);padding-left:14px;margin:20px 0 0}
.flags{margin:0;padding-left:0;list-style:none}.flags li{padding:9px 12px 9px 36px;position:relative;background:var(--warnbg);border-radius:8px;margin-bottom:6px}.flags li:before{content:"⚠";position:absolute;left:12px;color:var(--warn)}
.nums{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px}.n{border:1px solid var(--line);border-radius:12px;padding:12px;background:var(--paper)}.n b{display:block;font-size:1.5rem;color:var(--navy)}.n span{color:var(--mute);font-size:.9rem}
.tl{list-style:none;padding:0;margin:0;border-left:2px solid var(--line)}.tl li{padding:4px 0 10px 16px;position:relative}.tl li:before{content:"";position:absolute;left:-7px;top:11px;width:10px;height:10px;border-radius:50%;background:var(--navy)}
.tl time{display:inline-block;min-width:150px;margin-right:8px;color:var(--mute);font-variant-numeric:tabular-nums}
figure{margin:0 0 14px}figure.shot{margin:24px 0 0}figure img{width:100%;border:1px solid var(--line);border-radius:12px;background:var(--paper)}figcaption{color:var(--mute);font-size:.85rem;margin-top:4px}
.claims{width:100%;border-collapse:collapse;font-size:.95rem}.claims th{text-align:left;color:var(--mute);font-weight:500;width:34%;padding:8px 10px 8px 0;vertical-align:top;border-bottom:1px solid var(--line)}.claims td{padding:8px 0;border-bottom:1px solid var(--line)}
.note,.src,.disclaimer{color:var(--mute);font-size:.9rem}code{background:#eef1f3;padding:1px 6px;border-radius:5px;overflow-wrap:anywhere}
.cta{margin-bottom:-14px}.cta h2{margin-top:0}.cta p{color:var(--mute)}
.how{padding-left:0;list-style:none}.how li{padding:8px 0;border-bottom:1px solid var(--line)}.how li:last-child{border-bottom:0}
.disclaimer{margin-top:28px}
.foot{border-top:1px solid var(--line);color:var(--mute);font-size:.88rem;padding:26px 20px;max-width:1180px;margin:0 auto}.foot a{color:var(--mute)}
@media(max-width:600px){.hero{padding:36px 0 48px}}
@media(max-width:480px){.case h1{font-size:1.5rem}.tl time{display:block;min-width:0}.search{flex-direction:column}.search input,.search button{border-radius:12px}}

/* in-content CTAs on case files */
.jump{position:relative;margin:16px 0 6px;display:flex;flex-direction:column;gap:4px;padding:16px 20px;background:#E8F5EE;border:1px solid #BFE3CF;border-left:5px solid var(--green-cta);border-radius:14px;box-shadow:0 2px 10px rgba(11,35,64,.06);transition:box-shadow .2s,border-color .2s,transform .2s}.jump:hover{border-color:var(--green-cta);box-shadow:0 6px 18px rgba(29,110,77,.18);transform:translateY(-1px)}.jump a{font-weight:700;color:var(--green-cta);text-decoration:none;font-size:1.05rem;line-height:1.35}.jump a::after{content:'';position:absolute;inset:0;border-radius:14px}.jump a:focus-visible{outline:none}.jump a:focus-visible::after{outline:3px solid var(--green-cta);outline-offset:2px}.jump span{color:var(--ink-soft);font-size:.88rem}
.inline-link{margin:12px 0 0}.inline-link a{font-weight:700;color:var(--green-cta);text-decoration:none}.inline-link a:hover{text-decoration:underline}
.inline-card{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px 22px}.inline-card h2{font-size:1.15rem;margin:0 0 12px}
.inline-opts{display:grid;grid-template-columns:1fr;gap:8px}@media(min-width:560px){.inline-opts{grid-template-columns:1fr 1fr}}
.inline-opt{min-height:48px;padding:12px 14px;border:1.5px solid var(--navy);border-radius:10px;background:#fff;color:var(--navy);font:inherit;font-weight:600;text-align:left;cursor:pointer}.inline-opt:hover{background:var(--green-soft);border-color:var(--green-cta)}
.inline-card .note{margin:10px 0 0}

/* cookie choice (consent.js) */
#rs-consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:200;max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 12px 40px rgba(11,35,64,.22);padding:16px 18px;font-size:.92rem;color:var(--ink)}
#rs-consent p{margin:0 0 12px;line-height:1.5}#rs-consent a{color:var(--green-deep)}
.rs-consent-btns{display:flex;gap:10px}.rs-consent-btns button{flex:1;min-height:44px;border-radius:999px;font:inherit;font-weight:600;cursor:pointer;border:1.5px solid var(--navy);background:#fff;color:var(--navy)}
.rs-consent-btns button[data-c=granted]{background:var(--navy);color:#fff}

/* case file additions 2026-10-10 */
.meta-line{color:var(--muted);font-size:.86rem;margin:10px 0 0}
.plain{color:var(--ink-soft);font-size:.95rem;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:12px 14px}
.related ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}.related li{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:12px 14px;display:flex;flex-direction:column;gap:2px}.related li a{font-weight:600;color:var(--navy);text-decoration:none}.related li span{color:var(--muted);font-size:.86rem}
.help{background:#fff8e6;border:1px solid #f1dfb0;border-radius:14px;padding:16px 18px}.help ol{margin:0;padding-left:20px}.help li{margin:6px 0}
.how-made p{color:var(--ink-soft);font-size:.95rem}
.thin-head{color:var(--muted);font-size:.86rem;margin:14px 0 6px}.cases li.thin{background:transparent;border-style:dashed}.cases li.thin b{font-weight:600;color:var(--ink-soft)}.cases li.thin code{font-size:.8rem}
@media(max-width:360px){.brand .logo-full{display:none}.brand .logo-mark{display:block}}
@media(max-width:720px){#rs-consent{left:8px;right:8px;bottom:8px;padding:10px 12px;display:flex;align-items:center;gap:10px;font-size:.82rem}#rs-consent p{margin:0;flex:1;line-height:1.35}.rs-consent-btns{flex-direction:column;gap:6px}.rs-consent-btns button{min-height:36px;padding:0 14px;font-size:.82rem}}
/* hubs 2026-10-11: fact cards on regulator pages, network tables */
.cards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:12px}@media(min-width:900px){.cards{grid-template-columns:repeat(2,1fr)}}
.card{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:14px 18px;scroll-margin-top:90px}.card[hidden]{display:none}
.card h3{font-size:1.02rem;margin:0 0 6px;color:var(--navy);overflow-wrap:anywhere}.card h3 code{font-size:.8rem;font-weight:500;color:var(--muted)}
.card p{margin:0 0 4px;font-size:.9rem;line-height:1.5;color:var(--ink-soft)}.card p a{color:var(--navy)}.card:target{border-color:var(--green-cta);box-shadow:0 0 0 3px var(--green-soft)}
h3.sub{font-size:1rem;margin:26px 0 10px;color:var(--ink-soft)}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}table.net{border-collapse:collapse;width:100%;font-size:.88rem;min-width:620px}
table.net th,table.net td{border-bottom:1px solid var(--line);padding:9px 8px;text-align:left;vertical-align:top}table.net th{color:var(--muted);font-weight:600;font-size:.8rem}
table.net small{color:var(--muted)}table.net tr:target td{background:var(--green-soft)}
table.net tr{scroll-margin-top:90px}
.publisher{font-size:.84rem;color:var(--muted);margin:6px 0 14px;line-height:1.5}.publisher a{color:var(--navy)}
.tr-note{background:#FFF7E0;border:1px solid #E9C46A;color:#3D4654;padding:10px 14px;font-size:.92rem;line-height:1.45;text-align:center}.tr-note a{color:#0B2340;font-weight:700}.tr-form{border-radius:10px;margin:0 0 12px;text-align:left}
.lang-switch{font-size:.88rem;margin:0 0 10px}.lang-switch a{color:var(--navy)}
.nav .lnk{white-space:nowrap}@media(min-width:721px) and (max-width:900px){html[lang="fr"] .cta-pill .lbl-long{display:none}html[lang="fr"] .cta-pill .lbl-short{display:inline}}@media(max-width:400px){html[lang="fr"] .brand .logo-full{display:none}html[lang="fr"] .brand .logo-mark{display:block}}