:root{
    --rf-navy:#0b1b34;
    --rf-gold:#c89424;
    --rf-text:#15233a;
    --rf-muted:#657188;
    --rf-border:#dfe5ed;
}
.refund-page{color:var(--rf-text)}
.refund-hero{padding:82px 0 78px;background:linear-gradient(135deg,#eef3f8 0%,#f9f5ea 100%);border-bottom:1px solid var(--rf-border)}
.refund-kicker{display:inline-block;color:var(--rf-gold);font-size:.77rem;font-weight:800;letter-spacing:2px;margin-bottom:13px}
.refund-hero h1{max-width:850px;margin:0 0 14px;color:var(--rf-navy);font-size:clamp(2.5rem,5vw,4.5rem);line-height:1.04;letter-spacing:0}
.refund-hero p{max-width:730px;margin:0;color:var(--rf-muted);font-size:1.02rem;line-height:1.75}
.refund-content{padding-top:70px}
.refund-layout{display:grid;grid-template-columns:230px minmax(0,1fr);gap:55px;align-items:start}
.refund-nav{position:sticky;top:110px;display:flex;flex-direction:column;gap:2px}
.refund-nav>span{font-size:.7rem;letter-spacing:1.8px;font-weight:800;color:var(--rf-gold);margin-bottom:10px}
.refund-nav a{padding:7px 0;text-decoration:none;color:#56647b;font-size:.87rem}
.refund-nav a:hover{color:var(--rf-navy)}
.refund-article{max-width:820px}
.refund-alert{padding:18px 20px;margin-bottom:8px;border:1px solid #ecdcae;border-radius:13px;background:#fbf5e6;color:#647187;font-size:.86rem;line-height:1.65}
.refund-alert strong{color:var(--rf-navy)}
.refund-article section{padding:30px 0;border-bottom:1px solid var(--rf-border)}
.refund-article h2{margin:0 0 13px;color:var(--rf-navy);font-size:1.35rem}
.refund-article p{margin:0 0 13px;color:var(--rf-muted);line-height:1.8;font-size:.95rem}
.refund-article ul{margin:10px 0 0;padding-left:20px;color:var(--rf-muted)}
.refund-article li{padding:4px 0;line-height:1.7;font-size:.94rem}
.refund-update{display:inline-block;margin-top:6px;padding:12px 14px;border-radius:10px;background:#f7f1df;color:#5b687c;font-size:.84rem}
.refund-update strong{color:var(--rf-navy)}
.refund-contact{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}
.refund-contact>div{padding:17px;border:1px solid var(--rf-border);border-radius:13px;background:#fff}
.refund-contact strong{display:block;font-size:.8rem;margin-bottom:5px}
.refund-contact a{color:#28517f;text-decoration:none;font-size:.9rem}
.refund-note{margin-top:28px;padding:18px 20px;border-left:3px solid var(--rf-gold);background:#f7f9fc;color:#647187;font-size:.82rem;line-height:1.6}
.refund-note strong{color:var(--rf-navy)}
@media(max-width:800px){
    .refund-layout{grid-template-columns:1fr;gap:25px}
    .refund-nav{position:static;display:grid;grid-template-columns:1fr 1fr;gap:0 18px;padding:18px;border:1px solid var(--rf-border);border-radius:14px;background:#fff}
    .refund-nav>span{grid-column:1/-1}
    .refund-content{padding-top:55px}
}
@media(max-width:560px){
    .refund-hero{padding:60px 0 55px}
    .refund-hero h1{font-size:clamp(2.3rem,11vw,3.2rem)}
    .refund-contact{grid-template-columns:1fr}
    .refund-article section{padding:25px 0}
}