.refund-policy {
    max-width: 920px;
    margin: 0 auto;
    padding: 36px 16px;
    font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
    color: #1f2933;
    line-height: 1.65;
    background: #ffffff;
    counter-reset: refund-section;
  }

  .refund-policy * {
    box-sizing: border-box;
  }

  .refund-policy__title {
    margin: 0 0 18px;
    font-size: 32px;
    line-height: 1.2;
    color: #111827;
    font-weight: 700;
  }

  .refund-policy__lead {
    margin: 0 0 30px;
    font-size: 18px;
    color: #4b5563;
  }

  .refund-policy__item {
    counter-increment: refund-section;
    margin-top: 28px;
    padding-top: 22px;
    border-top: 1px solid #e5e7eb;
  }

  .refund-policy__item:first-of-type {
    margin-top: 0;
  }

  .refund-policy__item h2 {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin: 0 0 10px;
    font-size: 22px;
    line-height: 1.3;
    color: #111827;
    font-weight: 650;
  }

  .refund-policy__item h2::before {
    content: counter(refund-section) ".";
    flex: 0 0 auto;
    color: #00a7ff;
    font-weight: 800;
  }

  .refund-policy p {
    margin: 0 0 12px;
    color: #374151;
    font-size: 16px;
  }

  .refund-policy ul {
    margin: 8px 0 18px;
    padding-left: 22px;
  }

  .refund-policy li {
    margin-bottom: 6px;
    color: #374151;
  }

  .refund-policy__late {
    margin-top: 30px;
    padding: 18px 20px;
    border: 1px solid #e5e7eb;
    border-left: 4px solid #d93025;
    border-radius: 12px;
    background: #ffffff;
  }

  .refund-policy__late h2 {
    padding-top: 0;
    border-top: none;
  }

  .refund-policy__late h2::before {
    color: #d93025;
  }

  .refund-policy__late-warning {
    margin: 14px 0 0;
    padding-left: 14px;
    border-left: 3px solid #d93025;
    color: #b42318;
    font-weight: 700;
  }

  .refund-policy__legal {
    margin-top: 34px;
    padding: 22px 0 0;
    border-top: 1px solid #e5e7eb;
  }

  .refund-policy__legal p {
    font-size: 14px;
    color: #6b7280;
  }

  .refund-policy__law {
    margin-top: 26px;
    padding: 24px;
    border: 1px solid #e5e7eb;
    border-radius: 18px;
    background: linear-gradient(135deg, #ffffff 0%, #f8fbff 100%);
  }

  .refund-policy__law-head {
    margin-bottom: 20px;
  }

  .refund-policy__law-head h2 {
    margin: 0 0 8px;
    font-size: 24px;
    line-height: 1.3;
    color: #111827;
    font-weight: 750;
  }

  .refund-policy__law-head p {
    margin: 0;
    color: #4b5563;
    font-size: 16px;
  }

  .refund-policy__law-grid {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 18px;
    align-items: stretch;
  }

  .refund-policy__law-card {
    border: 1px solid #e5e7eb;
    border-radius: 16px;
    background: #ffffff;
    padding: 18px;
    min-height: 180px;
  }

  .refund-policy__law-label {
    margin: 0 0 14px;
    font-size: 14px;
    font-weight: 800;
    color: #111827;
    text-transform: uppercase;
    letter-spacing: 0.03em;
  }

  .rf-flag-box {
    display: flex;
    align-items: center;
    gap: 16px;
  }

  .rf-flag {
    width: 168px;
    height: 104px;
    border: 1px solid #d1d5db;
    border-radius: 10px;
    overflow: hidden;
    background: #ffffff;
    flex: 0 0 auto;
  }

  .rf-flag__stripe {
    height: 33.333%;
  }

  .rf-flag__white {
    background: #ffffff;
  }

  .rf-flag__blue {
    background: #0039a6;
  }

  .rf-flag__red {
    background: #d52b1e;
  }

  .rf-flag-text {
    margin: 0;
    font-size: 15px;
    color: #374151;
  }

  .rf-flag-text b {
    display: block;
    margin-bottom: 4px;
    color: #111827;
    font-size: 17px;
  }

  .law-doc {
    display: grid;
    grid-template-columns: 64px 1fr;
    gap: 16px;
    align-items: flex-start;
  }

  .law-doc__icon {
    width: 64px;
    height: 82px;
    border-radius: 12px;
    background: linear-gradient(180deg, #1f3c88 0%, #102b66 100%);
    position: relative;
    box-shadow: 0 10px 20px rgba(17, 24, 39, 0.12);
  }

  .law-doc__icon::before {
    content: "";
    position: absolute;
    left: 14px;
    top: 18px;
    width: 36px;
    height: 4px;
    border-radius: 999px;
    background: rgba(255,255,255,0.9);
    box-shadow: 0 13px 0 rgba(255,255,255,0.75), 0 26px 0 rgba(255,255,255,0.6);
  }

  .law-doc__title {
    margin: 0 0 8px;
    font-size: 20px;
    line-height: 1.3;
    font-weight: 800;
    color: #111827;
  }

  .law-doc__text {
    margin: 0 0 12px;
    font-size: 15px;
    color: #374151;
  }

  .law-doc__badges {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
  }

  .law-doc__badge {
    display: inline-flex;
    align-items: center;
    padding: 6px 10px;
    border-radius: 999px;
    background: #eef6ff;
    color: #0f62a8;
    font-size: 13px;
    font-weight: 750;
  }

  .refund-policy__law-bottom {
    margin: 18px 0 0;
    padding-top: 16px;
    border-top: 1px solid #e5e7eb;
    font-size: 14px;
    color: #6b7280;
  }

  @media (max-width: 760px) {
    .refund-policy__law-grid {
      grid-template-columns: 1fr;
    }

    .rf-flag-box {
      align-items: flex-start;
    }
  }

  @media (max-width: 640px) {
    .refund-policy {
      padding: 28px 14px;
    }

    .refund-policy__title {
      font-size: 26px;
    }

    .refund-policy__lead {
      font-size: 16px;
    }

    .refund-policy__item h2 {
      font-size: 20px;
    }

    .refund-policy__late {
      padding: 16px;
      border-radius: 10px;
    }

    .refund-policy__law {
      padding: 18px;
      border-radius: 14px;
    }

    .refund-policy__law-head h2 {
      font-size: 22px;
    }

    .rf-flag-box {
      flex-direction: column;
    }

    .rf-flag {
      width: 150px;
      height: 92px;
    }

    .law-doc {
      grid-template-columns: 1fr;
    }
  }