/* Step-10 Returns & Refunds */

.policy-highlights{
  margin-top: 16px;
  display:grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}
@media (max-width: 980px){ .policy-highlights{grid-template-columns: 1fr} }

.highlight-card{
  padding: 14px;
  border-radius: var(--radius-card);
  background: rgba(47,93,80,.06);
  border: 1px solid rgba(47,93,80,.14);
  box-shadow: 0 10px 22px rgba(0,0,0,.04);
}
.highlight-badge{
  display:inline-flex;
  padding: 8px 10px;
  border-radius: var(--radius-pill);
  background: linear-gradient(135deg, var(--green), var(--green-900));
  color: var(--white);
  font-weight: 900;
  font-size: 12px;
}
.highlight-title{margin:10px 0 0; font-weight: 900; color: var(--green-900)}
.highlight-text{margin:6px 0 0; color: var(--muted); font-size: 14px}

.policy-grid{
  display:grid;
  grid-template-columns: 1.75fr .95fr;
  gap: var(--gap);
  align-items:start;
}
@media (max-width: 980px){ .policy-grid{grid-template-columns: 1fr;} }

.policy-points{margin-top: 14px; display:flex; flex-direction:column; gap: 12px}
.point{display:flex; gap:12px; align-items:flex-start}
.point-dot{
  width:12px;height:12px;border-radius:999px;
  background: var(--green);
  box-shadow: 0 0 0 6px rgba(47,93,80,.10);
  margin-top: 6px;
  flex: 0 0 auto;
}
.point-title{margin:0; font-weight: 900; color: var(--green-900)}
.point-text{margin:4px 0 0; color: var(--muted); line-height: 1.7}

.policy-note{
  margin-top: 14px;
  padding: 12px 12px;
  border-radius: 18px;
  background: rgba(47,93,80,.06);
  border: 1px dashed rgba(47,93,80,.35);
}
.policy-note.gold{
  background: rgba(199,162,75,.10);
  border-color: rgba(199,162,75,.45);
}

.policy-list{
  margin: 12px 0 0;
  padding-left: 18px;
  color: var(--muted);
  line-height: 1.9;
}
.policy-list.compact{margin-top: 10px; line-height: 1.8}

.refund-steps{margin-top: 14px; display:flex; flex-direction:column; gap: 12px}
.refund-step{display:flex; gap: 12px; align-items:flex-start}
.step-icon{
  width: 34px; height: 34px; border-radius: 999px;
  background: rgba(47,93,80,.10);
  border: 1px solid rgba(47,93,80,.22);
  display:flex; align-items:center; justify-content:center;
  font-weight: 900;
  color: var(--green-900);
  flex: 0 0 auto;
}
.step-title{margin:0; font-weight: 900; color: var(--green-900)}
.step-text{margin:4px 0 0; color: var(--muted)}

.start-steps{margin-top: 14px; display:flex; flex-direction:column; gap: 12px}
.start-step{
  display:flex; gap: 12px; align-items:flex-start;
  padding: 12px 12px;
  border-radius: 18px;
  border: 1px solid rgba(0,0,0,.06);
  background: var(--white);
}
.start-num{
  font-weight: 900;
  color: var(--green-900);
  background: rgba(47,93,80,.08);
  border: 1px solid rgba(47,93,80,.18);
  border-radius: 999px;
  padding: 6px 10px;
  flex: 0 0 auto;
}
.start-title{margin:0; font-weight: 900; color: var(--green-900)}

.return-form{margin-top: 12px; display:flex; flex-direction:column; gap: 10px}
.form-label{font-weight: 800; color: var(--green-900); font-size: 13px}
.textarea{min-height: 110px; resize: vertical}

.w-full{width:100%}
.form-result{
  margin-top: 8px;
  font-size: 14px;
  color: var(--muted);
}
.card-pad{
  padding: 2%;
  margin-top: 2%;
}