/* ============================================================
   DutyRefund — Main Stylesheet Part 1: Reset, Variables, Base
   ============================================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* --- CSS Variables --- */
:root {
  --navy: #1B2A4A;
  --navy-dark: #0F1B33;
  --navy-light: #243656;
  --gold: #F5A623;
  --gold-dark: #D4891A;
  --gold-light: #F7C56C;
  --gold-pale: #FFF8EC;
  --white: #FFFFFF;
  --gray-50: #F8F9FC;
  --gray-100: #F0F2F7;
  --gray-200: #E2E6EF;
  --gray-300: #C8CDD8;
  --gray-400: #9BA2B2;
  --gray-500: #6B7280;
  --gray-600: #4B5466;
  --gray-700: #363D4F;
  --gray-800: #1F2537;
  --gray-900: #111827;
  --success: #10B981;
  --warning: #F59E0B;
  --error: #EF4444;
  
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --radius-sm: 6px;
  --radius: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 3px rgba(15,27,51,0.06), 0 1px 2px rgba(15,27,51,0.04);
  --shadow: 0 4px 16px rgba(15,27,51,0.08), 0 2px 4px rgba(15,27,51,0.04);
  --shadow-lg: 0 12px 40px rgba(15,27,51,0.10), 0 4px 12px rgba(15,27,51,0.06);
  --shadow-xl: 0 20px 60px rgba(15,27,51,0.14), 0 8px 20px rgba(15,27,51,0.08);
  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  --header-h: 76px;
}

/* --- Reset --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--gray-700);
  background: var(--white);
  overflow-x: hidden;
}

/* --- Typography --- */
h1, h2, h3, h4, h5, h6 { color: var(--navy); font-weight: 700; line-height: 1.2; }
h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 800; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); letter-spacing: -0.02em; }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.6rem); letter-spacing: -0.01em; }
h4 { font-size: 1.2rem; }
p { margin-bottom: 1rem; color: var(--gray-600); }
a { color: var(--gold-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
strong { font-weight: 600; color: var(--navy); }

img { max-width: 100%; display: block; }

/* --- Utility --- */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 900px; }
.container-xs { max-width: 680px; }
.section { padding: 100px 0; }
.section-sm { padding: 60px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
/* ============================================================
   DutyRefund — Main Stylesheet Part 2: Header & Navigation
   ============================================================ */

/* --- Header --- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: var(--header-h); background: rgba(255,255,255,0.92);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}
.site-header.scrolled { box-shadow: var(--shadow); }
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 10px; }
.logo-icon {
  width: 38px; height: 38px; background: var(--navy); border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center; position: relative;
}
.logo-icon::after {
  content: ''; width: 14px; height: 14px; border: 2.5px solid var(--gold);
  border-radius: 50%; border-top-color: transparent; transform: rotate(-45deg);
}
.logo-text {
  font-size: 1.25rem; font-weight: 700; color: var(--navy); letter-spacing: -0.02em;
}
.logo-text span { color: var(--gold); }

/* Nav */
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  padding: 8px 16px; border-radius: var(--radius-sm); color: var(--gray-600);
  font-size: 0.9rem; font-weight: 500; transition: all var(--transition);
  white-space: nowrap;
}
.main-nav a:hover { color: var(--navy); background: var(--gray-100); }
.main-nav a.active { color: var(--navy); font-weight: 600; }

/* Header CTA */
.header-cta {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 22px; background: var(--gold); color: var(--navy) !important;
  border-radius: var(--radius); font-weight: 600; font-size: 0.88rem;
  transition: all var(--transition); white-space: nowrap;
}
.header-cta:hover { background: var(--gold-dark); color: var(--navy) !important; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(245,166,35,0.35); }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; background: none; border: none; z-index: 1001; }
.hamburger span {
  display: block; width: 24px; height: 2.5px; background: var(--navy);
  border-radius: 2px; transition: var(--transition);
}
.hamburger.active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Mobile Menu */
.mobile-menu {
  display: none; position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(255,255,255,0.98); backdrop-filter: blur(20px);
  z-index: 999; padding: 100px 32px 40px; flex-direction: column; gap: 8px;
  overflow-y: auto;
}
.mobile-menu.active { display: flex; }
.mobile-menu a {
  display: block; padding: 14px 20px; font-size: 1.1rem; font-weight: 500;
  color: var(--gray-700); border-radius: var(--radius); transition: var(--transition);
}
.mobile-menu a:hover { background: var(--gray-100); color: var(--navy); }
.mobile-menu .header-cta { margin-top: 12px; text-align: center; justify-content: center; }

/* Page offset for fixed header */
.page-content { padding-top: var(--header-h); }
/* ============================================================
   DutyRefund — Main Stylesheet Part 3: Hero, Buttons, Cards
   ============================================================ */

/* --- Buttons --- */
.btn {
  display: inline-flex; align-items: center; gap: 8px; padding: 14px 32px;
  border-radius: var(--radius); font-weight: 600; font-size: 0.95rem;
  transition: all var(--transition); cursor: pointer; border: none;
  font-family: var(--font); text-decoration: none; white-space: nowrap;
}
.btn-primary {
  background: var(--gold); color: var(--navy) !important;
  box-shadow: 0 2px 8px rgba(245,166,35,0.3);
}
.btn-primary:hover {
  background: var(--gold-dark); transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(245,166,35,0.4);
}
.btn-outline {
  background: transparent; border: 2px solid rgba(255,255,255,0.5); color: var(--white) !important;
}
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.08); transform: translateY(-2px); }
.btn-outline-dark {
  background: transparent; border: 2px solid var(--gray-300); color: var(--navy) !important;
}
.btn-outline-dark:hover { border-color: var(--navy); background: var(--gray-50); transform: translateY(-2px); }
.btn-lg { padding: 16px 40px; font-size: 1.05rem; }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }
.btn-arrow::after { content: '→'; margin-left: 2px; transition: transform var(--transition); }
.btn-arrow:hover::after { transform: translateX(4px); }

/* --- Hero Section --- */
.hero {
  min-height: calc(100vh - var(--header-h)); display: flex; align-items: center;
  background: var(--navy); color: var(--white); position: relative; overflow: hidden;
  padding: 60px 0;
}
.hero::before {
  content: ''; position: absolute; inset: 0; opacity: 0.06;
  background-image: 
    linear-gradient(rgba(255,255,255,0.1) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.1) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero::after {
  content: ''; position: absolute; top: -50%; right: -20%; width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(245,166,35,0.12) 0%, transparent 70%);
  border-radius: 50%;
}
.hero .container { position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 18px; background: rgba(245,166,35,0.15); border: 1px solid rgba(245,166,35,0.25);
  border-radius: 100px; font-size: 0.85rem; color: var(--gold-light); margin-bottom: 28px;
  font-weight: 500;
}
.hero-badge .dot { width: 7px; height: 7px; background: var(--gold); border-radius: 50%; animation: pulse-dot 2s infinite; }
@keyframes pulse-dot { 0%,100%{opacity:1;} 50%{opacity:0.4;} }
.hero h1 { color: var(--white); margin-bottom: 24px; max-width: 850px; }
.hero-subtitle { font-size: 1.15rem; color: rgba(255,255,255,0.7); max-width: 620px; margin-bottom: 36px; line-height: 1.7; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* Hero numeric highlight */
.hero-stat {
  display: inline-block; padding: 4px 12px; background: rgba(255,255,255,0.08);
  border-radius: var(--radius-sm); font-weight: 700; color: var(--gold-light);
}

/* --- Page Hero (secondary pages) --- */
.page-hero {
  background: var(--navy); color: var(--white); padding: 80px 0 60px; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0; opacity: 0.04;
  background-image: linear-gradient(rgba(255,255,255,0.1) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.1) 1px, transparent 1px);
  background-size: 50px 50px;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.7); font-size: 1.1rem; max-width: 650px; }

/* --- Cards --- */
.card {
  background: var(--white); border-radius: var(--radius-lg); padding: 36px 32px;
  box-shadow: var(--shadow-sm); transition: all var(--transition-slow);
  border: 1px solid var(--gray-100); position: relative;
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: var(--gray-200); }
.card-accent-top { border-top: 3px solid var(--gold); }
.card-accent-left { border-left: 3px solid var(--gold); }
.card-icon {
  width: 52px; height: 52px; border-radius: var(--radius); background: var(--gold-pale);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
  font-size: 1.5rem;
}
.card h3 { margin-bottom: 12px; }
.card p { color: var(--gray-500); font-size: 0.95rem; margin-bottom: 0; }

/* 3-col grid */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* --- Section titles --- */
.section-label {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 16px;
}
.section-title { margin-bottom: 16px; }
.section-desc { font-size: 1.1rem; color: var(--gray-500); max-width: 600px; margin-bottom: 48px; }
.section-desc.center { margin-left: auto; margin-right: auto; text-align: center; }

/* --- Trust anchors grid --- */
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.trust-item { text-align: center; padding: 28px 16px; }
.trust-item .icon {
  width: 56px; height: 56px; margin: 0 auto 16px; border-radius: 50%;
  background: var(--navy); display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: var(--gold);
}
.trust-item h4 { font-size: 0.95rem; margin-bottom: 8px; }
.trust-item p { font-size: 0.85rem; color: var(--gray-400); margin: 0; }

/* --- Dark CTA strip --- */
.cta-strip {
  background: var(--navy); color: var(--white); padding: 80px 0; text-align: center;
  position: relative; overflow: hidden;
}
.cta-strip::before {
  content: ''; position: absolute; inset: 0; opacity: 0.04;
  background: radial-gradient(circle at 30% 50%, rgba(245,166,35,0.3) 0%, transparent 60%);
}
.cta-strip .container { position: relative; z-index: 1; }
.cta-strip h2 { color: var(--white); margin-bottom: 16px; }
.cta-strip p { color: rgba(255,255,255,0.65); font-size: 1.05rem; margin-bottom: 32px; }
/* ============================================================
   DutyRefund — Main Stylesheet Part 4: Footer, FAQ, Compare, Contact
   ============================================================ */

/* --- Footer --- */
.site-footer {
  background: var(--navy-dark); color: var(--gray-400); padding: 72px 0 32px;
  border-top: 1px solid var(--gold);
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-col h4 { color: var(--white); margin-bottom: 20px; font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.06em; }
.footer-col p { color: var(--gray-400); font-size: 0.9rem; line-height: 1.7; }
.footer-col a { display: block; color: var(--gray-400); font-size: 0.9rem; padding: 6px 0; transition: color var(--transition); }
.footer-col a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; font-size: 0.85rem;
}
.footer-logo-text { color: var(--white); font-weight: 600; }
.footer-logo-text span { color: var(--gold); }

/* --- FAQ Accordion --- */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question {
  width: 100%; text-align: left; background: none; border: none; padding: 22px 0;
  font-family: var(--font); font-size: 1.05rem; font-weight: 600; color: var(--navy);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  gap: 16px; transition: color var(--transition);
}
.faq-question:hover { color: var(--gold-dark); }
.faq-icon { flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; background: var(--gray-100); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; transition: var(--transition); color: var(--gray-500); }
.faq-item.active .faq-icon { background: var(--gold); color: var(--navy); transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.35s ease; }
.faq-item.active .faq-answer { max-height: 400px; padding-bottom: 20px; }
.faq-answer p { font-size: 0.95rem; color: var(--gray-500); line-height: 1.7; margin: 0; }

/* --- Compare Cards (brokers page) --- */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.compare-card { padding: 40px 32px; border-radius: var(--radius-lg); }
.compare-card.do { background: var(--gray-50); border: 1px solid var(--gray-200); }
.compare-card.keep { background: var(--gold-pale); border: 1px solid rgba(245,166,35,0.2); }
.compare-card h3 { margin-bottom: 24px; display: flex; align-items: center; gap: 10px; }
.compare-card .badge {
  font-size: 0.75rem; font-weight: 700; padding: 4px 12px; border-radius: 100px;
  text-transform: uppercase; letter-spacing: 0.06em;
}
.compare-card.do .badge { background: var(--navy); color: var(--white); }
.compare-card.keep .badge { background: var(--gold); color: var(--navy); }
.compare-card ul { list-style: none; }
.compare-card li { padding: 10px 0; border-bottom: 1px solid rgba(0,0,0,0.05); font-size: 0.95rem; color: var(--gray-600); display: flex; align-items: flex-start; gap: 10px; }
.compare-card li::before { content: '✓'; color: var(--success); font-weight: 700; flex-shrink: 0; }
.compare-card.keep li::before { color: var(--gold-dark); }

/* --- Feature list --- */
.feature-list { list-style: none; }
.feature-list li { padding: 12px 0; display: flex; align-items: flex-start; gap: 12px; font-size: 0.95rem; color: var(--gray-600); border-bottom: 1px solid var(--gray-100); }
.feature-list li::before { content: ''; width: 6px; height: 6px; background: var(--gold); border-radius: 50%; flex-shrink: 0; margin-top: 8px; }
.feature-list li strong { display: block; }

/* --- Big stat card --- */
.stat-card {
  background: var(--navy); color: var(--white); border-radius: var(--radius-lg);
  padding: 40px 36px; text-align: center; position: relative; overflow: hidden;
}
.stat-card::after {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--gold);
}
.stat-number { font-size: 3rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 8px; }
.stat-label { font-size: 0.95rem; color: rgba(255,255,255,0.7); }

/* --- Contact Form --- */
.contact-form { max-width: 560px; margin: 0 auto; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; margin-bottom: 6px; font-weight: 500; font-size: 0.9rem; color: var(--navy); }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-200); border-radius: var(--radius);
  font-family: var(--font); font-size: 0.95rem; color: var(--navy); background: var(--white);
  transition: border-color var(--transition);
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(245,166,35,0.1);
}
.form-group textarea { min-height: 140px; resize: vertical; }
.form-submit { width: 100%; }

/* --- Alternating rows (brokers page) --- */
.pain-solution { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-bottom: 32px; }
.pain-box, .solution-box { padding: 28px 24px; border-radius: var(--radius); }
.pain-box { background: #FEF2F2; border-left: 3px solid var(--error); }
.solution-box { background: #ECFDF5; border-left: 3px solid var(--success); }
.pain-box h4 { color: #991B1B; margin-bottom: 8px; font-size: 0.95rem; }
.solution-box h4 { color: #065F46; margin-bottom: 8px; font-size: 0.95rem; }
.pain-box p, .solution-box p { font-size: 0.9rem; margin: 0; }
/* ============================================================
   DutyRefund — Main Stylesheet Part 5: Animations, Timeline, Tools, Misc
   ============================================================ */

/* --- Scroll Reveal Animations --- */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* --- Timeline (About / Importers) --- */
.timeline { position: relative; padding-left: 32px; }
.timeline::before { content: ''; position: absolute; left: 0; top: 8px; bottom: 8px; width: 2px; background: var(--gray-200); }
.timeline-item { position: relative; margin-bottom: 32px; padding-left: 28px; }
.timeline-item::before {
  content: ''; position: absolute; left: -37px; top: 6px;
  width: 12px; height: 12px; border-radius: 50%; background: var(--gold);
  border: 3px solid var(--white); box-shadow: 0 0 0 2px var(--gold);
}
.timeline-date { font-size: 0.8rem; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 4px; }
.timeline-item h4 { margin-bottom: 4px; }
.timeline-item p { font-size: 0.9rem; margin: 0; color: var(--gray-500); }

/* --- Tools page cards --- */
.tool-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 48px 36px;
  box-shadow: var(--shadow-sm); border: 1px solid var(--gray-100);
  transition: all var(--transition-slow); position: relative; overflow: hidden;
}
.tool-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.tool-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark));
}
.tool-card .icon-lg { font-size: 2.5rem; margin-bottom: 20px; }
.tool-card h3 { margin-bottom: 12px; }
.tool-card p { color: var(--gray-500); margin-bottom: 24px; }
.tool-tag {
  display: inline-block; padding: 4px 12px; font-size: 0.75rem; font-weight: 600;
  background: var(--gray-100); color: var(--gray-500); border-radius: 100px;
  margin-bottom: 16px;
}

/* --- Privacy page --- */
.privacy-content h2 { margin-top: 40px; margin-bottom: 12px; font-size: 1.3rem; }
.privacy-content h3 { font-size: 1.1rem; margin-top: 28px; margin-bottom: 8px; }
.privacy-content p, .privacy-content ul { margin-bottom: 16px; color: var(--gray-500); font-size: 0.95rem; line-height: 1.7; }
.privacy-content ul { padding-left: 24px; }
.privacy-content li { margin-bottom: 6px; }
.privacy-content .last-updated { color: var(--gray-400); font-size: 0.85rem; margin-bottom: 32px; }

/* --- About team values --- */
.value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value-card {
  text-align: center; padding: 32px 20px; background: var(--gray-50);
  border-radius: var(--radius); transition: var(--transition);
}
.value-card:hover { background: var(--white); box-shadow: var(--shadow); }
.value-card .emoji { font-size: 2rem; margin-bottom: 12px; }
.value-card h4 { margin-bottom: 8px; font-size: 0.95rem; }
.value-card p { font-size: 0.85rem; color: var(--gray-500); margin: 0; }

/* --- Disclaimer box --- */
.disclaimer {
  background: var(--gold-pale); border-left: 3px solid var(--gold);
  padding: 16px 20px; border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 0.9rem; color: var(--gray-600); margin: 20px 0;
}
.disclaimer strong { color: var(--gold-dark); }

/* --- Horizontal rule accent --- */
hr.gold { border: none; height: 2px; background: linear-gradient(90deg, var(--gold), transparent); margin: 40px 0; }

/* --- Large quote / testimonial style --- */
.pull-quote {
  font-size: 1.3rem; font-weight: 500; color: var(--navy); font-style: italic;
  padding: 32px 40px; background: var(--gray-50); border-radius: var(--radius-lg);
  border-left: 4px solid var(--gold); margin: 40px 0;
}

/* --- Badge / Pill --- */
.pill {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 100px; font-weight: 600; font-size: 0.8rem;
}
.pill-navy { background: var(--navy); color: var(--white); }
.pill-gold { background: var(--gold); color: var(--navy); }
.pill-outline { background: transparent; border: 1px solid var(--gray-300); color: var(--gray-500); }

/* --- Background utilities --- */
.bg-navy { background: var(--navy); color: var(--white); }
.bg-navy h2, .bg-navy h3, .bg-navy p { color: rgba(255,255,255,0.85); }
.bg-gray { background: var(--gray-50); }
.bg-gold-pale { background: var(--gold-pale); }

/* --- Pain/Solution pair -- used inline on brokers page --- */
.pain-pair { display: grid; grid-template-columns: 1fr 40px 1fr; gap:60px; align-items: start; margin-bottom: 40px; }
.pain-pair .arrow-col { display: flex; align-items: flex-start; justify-content: center; padding-top: 24px; font-size: 1.5rem; color: var(--gold); }
@media (max-width: 768px) { .pain-pair { grid-template-columns: 1fr; gap: 20px; } .pain-pair .arrow-col { transform: rotate(90deg); } }

/* --- Staggered list with gold bullets --- */
.gold-list { list-style: none; }
.gold-list li { padding: 8px 0; padding-left: 24px; position: relative; color: var(--gray-600); }
.gold-list li::before { content: ''; position: absolute; left: 0; top: 16px; width: 6px; height: 6px; background: var(--gold); border-radius: 50%; }
/* ============================================================
   DutyRefund — Main Stylesheet Part 6: Responsive
   ============================================================ */

/* --- Tablet (768px–1024px) --- */
@media (max-width: 1024px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4, .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .value-grid { grid-template-columns: repeat(2, 1fr); }
  .compare-grid { grid-template-columns: 1fr; }
}

/* --- Mobile (<768px) --- */
@media (max-width: 768px) {
  :root { --header-h: 66px; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .section { padding: 60px 0; }
  .hero { min-height: auto; padding: 60px 0 60px; }
  .page-hero { padding: 60px 0 40px; }
  .container { padding: 0 20px; }

  /* Header */
  .main-nav { display: none; }
  .header-cta.desktop-only { display: none; }
  .hamburger { display: flex; }
  .header-inner { padding: 0 20px; }

  /* Grids */
  .grid-3, .grid-2, .grid-4, .trust-grid, .value-grid,
  .pain-solution, .footer-grid { grid-template-columns: 1fr; }

  /* Hero */
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { justify-content: center; }
  .hero h1 { font-size: 1.9rem; }
  .hero-subtitle { font-size: 1rem; }

  /* Footer */
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }

  /* Card */
  .card { padding: 24px 20px; }
  .compare-card { padding: 28px 20px; }
  .stat-card { padding: 28px 20px; }
  .stat-number { font-size: 2.2rem; }

  /* FAQ */
  .faq-question { font-size: 0.95rem; padding: 18px 0; }

  /* Trust */
  .trust-item { padding: 20px 12px; }
  .trust-item .icon { width: 44px; height: 44px; font-size: 1.2rem; }

  /* Tools */
  .tool-card { padding: 32px 24px; }

  /* Contact */
  .contact-form { max-width: 100%; }
  
  /* Timeline */
  .timeline { padding-left: 24px; }
  .timeline-item { padding-left: 20px; }
  .timeline-item::before { left: -29px; width: 10px; height: 10px; }
  
  /* Hero badge */
  .hero-badge { font-size: 0.78rem; padding: 6px 14px; }
  
  /* CTA strip */
  .cta-strip { padding: 56px 0; }
  .cta-strip h2 { font-size: 1.5rem; }
}

/* --- Small mobile (<480px) --- */
@media (max-width: 480px) {
  h1 { font-size: 1.7rem; }
  h2 { font-size: 1.4rem; }
  .btn-lg { padding: 14px 28px; font-size: 0.95rem; }
  .hero h1 { font-size: 1.6rem; }
  .card { padding: 20px 16px; }
}