/* ================= REFUND POLICY PAGE (scoped .rf-* only; shared
   header/footer primitives come from styles.css untouched) ============ */
.rf-wrap{max-width:1280px;margin:0 auto;padding:0 20px}

/* ---- S1: page header ---- */
.rf-head{background:var(--color-bg-light);padding-bottom:34px}
.rf-head-inner{padding-top:22px}
.rf-head-inner h1{font-size:30px;font-weight:800;letter-spacing:-.4px;color:var(--color-text)}
.rf-head-inner p{font-size:14px;color:var(--muted);line-height:1.65;margin-top:10px;max-width:640px}

/* ---- S2: info cards ---- */
.rf-info-sec{background:var(--color-bg);padding:30px 0 8px}
.rf-info{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.rf-card{background:var(--color-bg);border:1px solid var(--line);border-radius:14px;padding:22px 20px;min-width:0}
.rf-card h2{font-size:17px;color:var(--color-text);margin-bottom:14px}
.rf-tile{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:19px;margin-bottom:12px}
.rf-tile.t-blue{background:rgba(37,99,235,.12)}
.rf-tile.t-peach{background:rgba(249,115,22,.14)}
.rf-tile.t-green{background:rgba(34,179,88,.14)}
.rf-tile.t-navy{background:rgba(11,31,58,.08)}
.rf-tile.t-sky{background:rgba(37,99,235,.08)}
.rf-info h3{font-size:14px;color:var(--color-text);margin-bottom:6px}
.rf-info p{font-size:12.5px;color:var(--muted);line-height:1.6}

/* ---- S3: process + checklist ---- */
.rf-duo-sec{background:var(--color-bg);padding:26px 0 8px}
.rf-duo{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.rf-steps{list-style:none;display:flex;flex-direction:column;gap:12px;margin-top:4px}
.rf-steps li{display:flex;align-items:center;gap:12px;font-size:13.5px;font-weight:600;color:var(--color-text)}
.rf-steps li small{display:block;font-weight:400;color:var(--muted);font-size:12px}
.rf-num{width:30px;height:30px;flex-shrink:0;border-radius:50%;color:var(--color-bg);font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}
.rf-num.blue{background:var(--color-accent)}
.rf-num.orange{background:var(--color-cta,#F97316)}
.rf-num.green{background:var(--green)}
.rf-checks{list-style:none;display:flex;flex-direction:column;gap:11px;margin-top:4px}
.rf-checks li{display:flex;align-items:center;gap:10px;font-size:13.5px;font-weight:600;color:var(--color-text)}
.rf-checks li::before{content:"✓";width:20px;height:20px;flex-shrink:0;border-radius:50%;background:rgba(37,99,235,.12);color:var(--color-accent);font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center}
.rf-callout{margin-top:16px;background:var(--color-bg-light);border-radius:10px;padding:11px 14px;font-size:12.5px;color:var(--muted)}

/* ---- S4: important notice ---- */
.rf-notice-sec{background:var(--color-bg);padding:26px 0 8px}
.rf-notice{background:rgba(249,115,22,.08);border-radius:12px;padding:16px 20px;font-size:13.5px;color:var(--color-text);line-height:1.65}
.rf-notice a{color:var(--color-accent);font-weight:700}
.rf-notice a:hover{text-decoration:underline}

/* ---- S5: help banner ---- */
.rf-help-sec{background:var(--color-bg);padding:30px 0 54px}
.rf-help{background:var(--color-bg-light);border-radius:18px;padding:34px 36px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.rf-help-text h2{color:var(--color-text);font-size:21px;letter-spacing:-.3px;margin-bottom:8px}
.rf-help-text p{color:var(--muted);font-size:13px;line-height:1.6;max-width:560px}
.rf-help-actions{display:flex;align-items:center;gap:12px;flex-shrink:0;flex-wrap:wrap}
.rf-btn{font-weight:700;font-size:13.5px;border-radius:10px;padding:13px 20px;white-space:nowrap}
a.rf-btn:hover{filter:brightness(.95)}
.rf-btn.cta{background:var(--color-cta,#F97316);color:var(--color-bg)}
.rf-btn.ghost{background:var(--color-bg);border:1px solid var(--line);color:var(--color-text)}

/* ---- responsive ---- */
@media(max-width:1024px){
.rf-info{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:760px){
.rf-duo{grid-template-columns:1fr}
.rf-help{flex-direction:column;align-items:stretch;padding:26px 22px}
.rf-help-actions{justify-content:flex-start}
.rf-help-actions .rf-btn{flex:1 1 auto;text-align:center}
}
@media(max-width:640px){
.rf-wrap{padding:0 12px}
.rf-head-inner h1{font-size:23px}
.rf-info{grid-template-columns:1fr}
.rf-card h2,.rf-help-text h2{font-size:18px}
}