<div class="table-responsive mb-3"><table class="table table-bordered table-sm"><thead class="table-light"><tr><th>Stage</th><th>Timeline</th><th>Action</th></tr></thead><tbody><tr><td>Acknowledgment</td><td>24 hours</td><td>Claim ID assigned; initial review</td></tr><tr><td>Seller/provider response</td><td>72 hours</td><td>Other party may submit counter-evidence</td></tr><tr><td>Gletra decision</td><td>7 business days (standard)</td><td>Refund, replacement, or rejection with reason</td></tr><tr><td>Appeal</td><td>5 days from decision</td><td>One appeal with new evidence</td></tr></tbody></table></div>