rgee

I have tried to read through the Terms and Conditions and ask the phone
line for help, but I got contradictory information, so I would like to
clarify a couple of things if you can kindly help me!

I'm trying to travel ZRH-NYC round trip with very short planning deadline.

Is it possible to reserve a business flex award (105000 miles + ~500
CHF fees) one working day before departure online given availbility?
The T&C says yes if I read it correctly, but the phone operators told
me that it will not work even if the self-service miles-and-more.com
webpage shows that and I will have trouble with ticketing if I don't
leave at least two working days.

Second question is that out of that ~500 CHF fees what is refundable.
There is an "international/domestic surcharge" of ~400 CHF, is that
refundable if I ask for mileage refund? I know about the 70 CHF flat
fee for refunding, I'm interested in what do I get back from the
taxes. T&C talks about YQ, phone operator said everything is
refundable after deducting the 70 CHF. I don't know who to believe.

Also, if I want to cancel a ticket what is the last deadline to cancel
by? Is 1 hour before departure OK? Can I do online cancellation of
award or do I have to call?

Third, is there something like 24 hours of free cancel after booking,
like on United?

Thank you in advance for all your kind answers!