.ref-footer {
    margin-top: auto;
    padding: 2rem 0;
    border-top: 1px solid #e5e7eb;
    background-color: #F8F9FA;
    width: 100%;
}
.ref-footer-inner {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1.5rem;
    padding: 0 1.5rem;
}
.ref-footer-nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1rem 2rem;
}
.ref-footer-nav a {
    font-size: 0.75rem;
    font-weight: 500;
    color: var(--gray-500);
    text-decoration: none;
    transition: color 0.15s;
}
.ref-footer-nav a:hover { color: var(--primary); }
.ref-footer-copy {
    font-size: 0.75rem;
    color: var(--gray-400);
    text-align: center;
}