/* ============================================================
   IQ MINDWARE - refunds.css  v1.0
   Scope: /refunds/ - Refund and Cancellation Policy.
   Requires: brand.css loaded first.
   Mirrors terms.css / privacy.css layout.
   Adds: at-a-glance 4-card grid, timeline component,
         non-refundable list, how-to steps.
   ============================================================ */


/* ============================================================
   1. PAGE TOKENS
   ============================================================ */
:root {
  --rf-surface:       #eceef2;
  --rf-card:          #ffffff;
  --rf-card-bdr:      rgba(0,0,0,.08);
  --rf-rule:          rgba(0,0,0,.09);

  /* Glance card accents */
  --rf-g1:            #22AAFF;   /* 14-day software */
  --rf-g2:            #2e7d32;   /* 48h coaching full */
  --rf-g3:            #b45309;   /* after first session */
  --rf-g4:            #a78bfa;   /* upgrade credit */

  /* Shared callout tokens (same as terms/privacy) */
  --rf-amber-bg:      rgba(180,83,9,.05);
  --rf-amber-bdr:     rgba(180,83,9,.18);
  --rf-amber-text:    #92400e;
  --rf-green-bg:      rgba(46,125,50,.05);
  --rf-green-bdr:     rgba(46,125,50,.20);
  --rf-green-text:    #2e7d32;
  --rf-blue-bg:       rgba(34,170,255,.06);
  --rf-blue-bdr:      rgba(34,170,255,.20);
  --rf-blue-text:     #1a6eb0;
}


/* ============================================================
   2. PAGE SHELL
   ============================================================ */
body.refunds  { background: var(--rf-surface); }
.refunds-page { padding-top: 64px; }


/* ============================================================
   3. HERO
   ============================================================ */
.rf-hero {
  background:
    radial-gradient(ellipse 700px 420px at 0% 70%, rgba(34,170,255,.08), transparent 55%),
    radial-gradient(ellipse 500px 300px at 100% 20%, rgba(204,255,102,.05), transparent 50%),
    var(--card-dark);
  border-bottom: 2px solid rgba(255,255,255,.06);
  padding: 80px var(--gutter) 48px;
}
.rf-hero-inner { max-width: var(--max-w); margin: 0 auto; }
.rf-hero-eyebrow {
  font-family: 'DM Mono', monospace;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .18em; text-transform: uppercase;
  color: var(--cyan-lt); display: flex; align-items: center; gap: 8px; margin-bottom: 12px;
}
.rf-hero-eyebrow::before {
  content: ''; display: inline-block; width: 18px; height: 1.5px;
  background: var(--cyan); flex-shrink: 0;
}
.rf-hero-title {
  font-size: clamp(26px, 4vw, 48px);
  font-weight: 800; letter-spacing: -.024em; line-height: 1.07;
  color: var(--tc); margin-bottom: 14px;
}
.rf-hero-title em {
  font-style: normal;
  background: linear-gradient(135deg, var(--lime), #22AAFF);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.rf-hero-meta {
  display: flex; align-items: center; gap: 20px; flex-wrap: wrap; margin-bottom: 18px;
}
.rf-hero-meta-item {
  display: flex; align-items: center; gap: 7px;
  font-family: 'DM Mono', monospace;
  font-size: 10.5px; letter-spacing: .08em; color: var(--tcf);
}
.rf-hero-meta-item strong { color: var(--tcm); font-weight: 500; }
.rf-hero-meta-dot {
  width: 3px; height: 3px; border-radius: 50%;
  background: rgba(255,255,255,.20); flex-shrink: 0;
}
.rf-hero-sub {
  font-size: 14px; color: var(--tcm); max-width: 60ch; line-height: 1.74;
}
.rf-hero-sub strong { color: var(--tc); }


/* ============================================================
   4. AT-A-GLANCE CARDS
   ============================================================ */
.rf-glance {
  background: var(--rf-surface);
  border-bottom: 1px solid var(--rf-rule);
  padding: 44px var(--gutter) 48px;
}
.rf-glance-inner { max-width: var(--max-w); margin: 0 auto; }
.rf-glance-label {
  font-family: 'DM Mono', monospace;
  font-size: 10px; letter-spacing: .18em; text-transform: uppercase;
  color: var(--blue-dp); display: block; margin-bottom: 16px;
}
.rf-glance-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.rf-glance-card {
  background: var(--rf-card);
  border: 1.5px solid var(--rf-card-bdr);
  border-radius: 14px;
  padding: 20px 18px 18px;
  border-top: 3px solid var(--gc-accent, #22AAFF);
  display: flex; flex-direction: column; gap: 8px;
}
.rf-glance-icon  { font-size: 20px; }
.rf-glance-rule  {
  font-family: 'DM Mono', monospace;
  font-size: 11px; font-weight: 700; letter-spacing: .04em;
  color: var(--gc-accent, #22AAFF); margin-bottom: 2px;
}
.rf-glance-title { font-size: 13px; font-weight: 800; color: var(--tl); line-height: 1.25; }
.rf-glance-text  { font-size: 12px; color: var(--tlm); line-height: 1.62; }


/* ============================================================
   5. MAIN LAYOUT
   ============================================================ */
.rf-layout {
  max-width: var(--max-w); margin: 0 auto;
  padding: 48px var(--gutter) 80px;
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 52px; align-items: start;
}


/* ============================================================
   6. SIDEBAR TOC
   ============================================================ */
.rf-sidebar { position: sticky; top: 92px; }
.rf-toc {
  background: var(--rf-card);
  border: 1.5px solid var(--rf-card-bdr);
  border-radius: 12px; overflow: hidden;
}
.rf-toc-hd {
  padding: 11px 16px;
  border-bottom: 1px solid rgba(0,0,0,.08);
  font-family: 'DM Mono', monospace;
  font-size: 9px; letter-spacing: .14em; text-transform: uppercase; color: var(--tlf);
  background: rgba(0,0,0,.02);
}
.rf-toc-list { list-style: none; padding: 8px 0; }
.rf-toc-link {
  display: flex; align-items: flex-start; gap: 8px;
  padding: 6px 16px;
  font-size: 12px; color: var(--tlm); text-decoration: none;
  border-left: 2px solid transparent; line-height: 1.4;
  transition: color var(--t-fast), border-color var(--t-fast), background var(--t-fast);
}
.rf-toc-link:hover  { color: var(--tl); background: rgba(0,0,0,.025); border-left-color: rgba(34,170,255,.40); }
.rf-toc-link.active { color: var(--blue-dp); border-left-color: var(--cyan); font-weight: 700; background: rgba(34,170,255,.04); }
.rf-toc-link:focus-visible { outline: 2px solid var(--cyan); outline-offset: -2px; }
.rf-toc-num {
  font-family: 'DM Mono', monospace;
  font-size: 9px; color: var(--tlf); flex-shrink: 0; margin-top: 2px; min-width: 14px;
}
.rf-toc-footer {
  padding: 10px 16px;
  border-top: 1px solid rgba(0,0,0,.08);
  font-size: 11px; color: var(--tlf); line-height: 1.60;
}
.rf-toc-footer a {
  color: var(--blue-dp); font-weight: 700; text-decoration: none;
  border-bottom: 1px solid rgba(39,100,183,.20);
}
.rf-toc-footer a:hover { border-bottom-color: var(--blue-dp); }


/* ============================================================
   7. DOCUMENT BODY
   ============================================================ */
.rf-doc { min-width: 0; }

.rf-section { margin-bottom: 44px; scroll-margin-top: 100px; }
.rf-section-hd {
  display: flex; align-items: baseline; gap: 12px;
  margin-bottom: 14px; padding-bottom: 10px;
  border-bottom: 2px solid rgba(0,0,0,.09);
}
.rf-section-num {
  font-family: 'DM Mono', monospace;
  font-size: 11px; font-weight: 700; letter-spacing: .06em; color: var(--tlf); flex-shrink: 0;
}
.rf-section-title {
  font-size: 18px; font-weight: 800;
  color: var(--tl); letter-spacing: -.014em; line-height: 1.2;
}

/* Prose */
.rf-prose {
  font-size: 14.5px; color: var(--tlm); line-height: 1.80;
}
.rf-prose p { margin-bottom: 13px; }
.rf-prose p:last-child { margin-bottom: 0; }
.rf-prose strong { color: var(--tl); }
.rf-prose a {
  color: var(--blue-dp); font-weight: 700; text-decoration: none;
  border-bottom: 1px solid rgba(39,100,183,.22);
}
.rf-prose a:hover { border-bottom-color: var(--blue-dp); }
.rf-prose ul { padding-left: 20px; margin-bottom: 13px; margin-top: 4px; }
.rf-prose li { margin-bottom: 6px; }

/* Callouts */
.rf-callout {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 14px 16px; border-radius: 10px; margin: 16px 0;
}
.rf-callout--amber  { background: var(--rf-amber-bg);  border: 1px solid var(--rf-amber-bdr);  }
.rf-callout--green  { background: var(--rf-green-bg);  border: 1px solid var(--rf-green-bdr);  }
.rf-callout--blue   { background: var(--rf-blue-bg);   border: 1px solid var(--rf-blue-bdr);   }
.rf-callout-icon { font-size: 14px; flex-shrink: 0; margin-top: 2px; }
.rf-callout-text { font-size: 13.5px; line-height: 1.65; }
.rf-callout--amber .rf-callout-text { color: var(--rf-amber-text); }
.rf-callout--green .rf-callout-text { color: var(--rf-green-text); }
.rf-callout--blue  .rf-callout-text { color: var(--rf-blue-text);  }
.rf-callout-text strong { color: inherit; }
.rf-callout-text a {
  color: inherit; font-weight: 700; text-decoration: none;
  border-bottom: 1px solid currentColor; opacity: .7;
}
.rf-callout-text a:hover { opacity: 1; }

/* Definition rows */
.rf-defs { margin: 12px 0 16px; display: flex; flex-direction: column; }
.rf-def-row {
  display: grid; grid-template-columns: 180px 1fr;
  padding: 9px 0; border-bottom: 1px solid rgba(0,0,0,.07);
  gap: 16px; align-items: baseline;
}
.rf-def-row:first-child { border-top: 1px solid rgba(0,0,0,.07); }
.rf-def-key {
  font-family: 'DM Mono', monospace;
  font-size: 10.5px; letter-spacing: .07em; color: var(--tlf);
  text-transform: uppercase; font-weight: 500;
}
.rf-def-val { font-size: 14px; color: var(--tlm); line-height: 1.55; }
.rf-def-val a { color: var(--blue-dp); font-weight: 700; text-decoration: none; border-bottom: 1px solid rgba(39,100,183,.22); }
.rf-def-val a:hover { border-bottom-color: var(--blue-dp); }
.rf-def-val strong { color: var(--tl); }

/* Coaching refund timeline */
.rf-timeline { display: flex; flex-direction: column; gap: 0; margin: 16px 0; }
.rf-timeline-row {
  display: flex; gap: 16px; align-items: stretch;
}
.rf-timeline-spine {
  display: flex; flex-direction: column; align-items: center;
  flex-shrink: 0; width: 32px;
}
.rf-timeline-dot {
  width: 14px; height: 14px; border-radius: 50%; flex-shrink: 0;
  border: 2px solid transparent; margin-top: 16px;
}
.rf-timeline-line {
  width: 2px; flex: 1; min-height: 12px; margin-bottom: -2px;
}
.rf-timeline-row:last-child .rf-timeline-line { display: none; }

.rf-timeline-card {
  flex: 1; background: var(--rf-card);
  border: 1.5px solid var(--rf-card-bdr);
  border-radius: 12px; padding: 14px 18px; margin-bottom: 10px;
  border-left: 3px solid transparent;
}
.rf-timeline-row--green .rf-timeline-dot  { background: var(--rf-green-text); border-color: var(--rf-green-text); }
.rf-timeline-row--green .rf-timeline-line { background: rgba(46,125,50,.20); }
.rf-timeline-row--green .rf-timeline-card { border-left-color: var(--rf-green-text); }
.rf-timeline-row--amber .rf-timeline-dot  { background: var(--rf-amber-text); border-color: var(--rf-amber-text); }
.rf-timeline-row--amber .rf-timeline-line { background: rgba(180,83,9,.20); }
.rf-timeline-row--amber .rf-timeline-card { border-left-color: var(--rf-amber-text); }
.rf-timeline-row--red   .rf-timeline-dot  { background: #dc2626; border-color: #dc2626; }
.rf-timeline-row--red   .rf-timeline-line { background: rgba(220,38,38,.20); }
.rf-timeline-row--red   .rf-timeline-card { border-left-color: #dc2626; }

.rf-timeline-when {
  font-family: 'DM Mono', monospace;
  font-size: 9.5px; letter-spacing: .09em; text-transform: uppercase;
  color: var(--tlf); margin-bottom: 4px; display: block;
}
.rf-timeline-rule { font-size: 14px; font-weight: 800; color: var(--tl); margin-bottom: 4px; }
.rf-timeline-desc { font-size: 13px; color: var(--tlm); line-height: 1.60; }

/* How-to request steps */
.rf-steps { display: flex; flex-direction: column; gap: 10px; }
.rf-step {
  display: flex; align-items: flex-start; gap: 14px;
  background: var(--rf-card);
  border: 1.5px solid var(--rf-card-bdr);
  border-radius: 12px; padding: 16px 20px;
}
.rf-step-num {
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--rf-blue-bg); border: 1.5px solid var(--rf-blue-bdr);
  display: grid; place-items: center;
  font-family: 'DM Mono', monospace;
  font-size: 12px; font-weight: 700; color: var(--rf-blue-text);
  flex-shrink: 0;
}
.rf-step-label { font-size: 13.5px; font-weight: 800; color: var(--tl); margin-bottom: 3px; }
.rf-step-text  { font-size: 13px; color: var(--tlm); line-height: 1.60; }
.rf-step-text a { color: var(--blue-dp); font-weight: 700; text-decoration: none; border-bottom: 1px solid rgba(39,100,183,.22); }
.rf-step-text a:hover { border-bottom-color: var(--blue-dp); }
.rf-step-text code {
  font-family: 'DM Mono', monospace;
  font-size: 11.5px; padding: 1px 6px; border-radius: 4px;
  background: rgba(0,0,0,.05); border: 1px solid rgba(0,0,0,.09); color: var(--tl);
}

/* Non-refundable list */
.rf-nonrefund-list { display: flex; flex-direction: column; gap: 8px; margin: 12px 0; }
.rf-nonrefund-row {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 11px 14px;
  background: rgba(220,38,38,.04);
  border: 1.5px solid rgba(220,38,38,.14);
  border-radius: 8px;
}
.rf-nonrefund-icon { font-size: 13px; flex-shrink: 0; color: #b91c1c; margin-top: 2px; }
.rf-nonrefund-text { font-size: 13.5px; color: var(--tlm); line-height: 1.60; }
.rf-nonrefund-text strong { color: var(--tl); }

/* Policy links */
.rf-policy-links { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 16px; }
.rf-policy-link {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 14px; border-radius: 8px; min-height: 40px;
  font-size: 12.5px; font-weight: 800;
  background: var(--rf-card); border: 1.5px solid var(--rf-card-bdr);
  color: var(--blue-dp); text-decoration: none;
  transition: background var(--t-fast), border-color var(--t-fast);
}
.rf-policy-link:hover { background: var(--rf-blue-bg); border-color: var(--rf-blue-bdr); }
.rf-policy-link:focus-visible { outline: 3px solid var(--cyan); outline-offset: 2px; }
.rf-policy-link::before { content: '->'; font-size: 11px; color: var(--tlf); }

/* Divider + updated stamp */
.rf-divider { border: none; border-top: 1px solid rgba(0,0,0,.08); margin: 0 0 44px; }
.rf-updated {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 6px 12px; border-radius: 6px;
  background: rgba(0,0,0,.04); border: 1px solid rgba(0,0,0,.08);
  font-family: 'DM Mono', monospace;
  font-size: 10px; letter-spacing: .07em; color: var(--tlf);
  margin-bottom: 32px;
}
.rf-updated-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--cyan); flex-shrink: 0; }


/* ============================================================
   8. RESPONSIVE
   ============================================================ */
@media (max-width: 1050px) {
  .rf-glance-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1000px) {
  .rf-layout { grid-template-columns: 190px 1fr; gap: 36px; }
}
@media (max-width: 800px) {
  .rf-layout  { grid-template-columns: 1fr; }
  .rf-sidebar { display: none; }
}
@media (max-width: 600px) {
  .rf-hero         { padding: 80px var(--gutter) 36px; }
  .rf-glance-grid  { grid-template-columns: 1fr; }
  .rf-def-row      { grid-template-columns: 130px 1fr; }
  .rf-step         { flex-direction: column; gap: 10px; }
}