@media (max-width: 768px) {
  .pay-head {
    padding: 14px 0 0;
  }

  .pay-head__title {
    font-size: clamp(1.5rem, 7vw, 2rem);
  }

  .pay-head__lead {
    font-size: 13px;
  }

  .pay-head__actions {
    flex-direction: column;
  }

  .pay-head__actions .rj-btn {
    width: 100%;
    justify-content: center;
  }

  .pay-head__stats {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 8px;
  }

  .pay-head__stat {
    min-width: 0;
    padding: 10px 8px;
  }

  .pay-quick-wrap {
    padding: 16px 0;
  }

  .pay-quick-panel {
    padding: 18px 16px;
  }

  .pay-quick-grid {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .pay-pillar-bar {
    grid-template-columns: 1fr;
  }

  .pay-pillar {
    border-right: none !important;
    border-bottom: 1px solid var(--bf-line);
  }

  .pay-pillar:last-child {
    border-bottom: none;
  }

  .pay-main {
    padding-bottom: 36px;
  }

  .pay-layout {
    gap: 16px;
  }

  .pay-bank-panel,
  .pay-instructions-panel,
  .pay-faq {
    padding: 22px 18px;
  }

  .pay-bank-list > div {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .pay-panel-actions {
    flex-direction: column;
  }

  .pay-panel-actions .rj-btn {
    width: 100%;
    justify-content: center;
  }

  .pay-cta__inner {
    padding: 24px 20px;
  }

  .pay-cta__actions {
    flex-direction: column;
    width: 100%;
  }

  .pay-cta__actions .rj-btn {
    width: 100%;
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .pay-head__stats {
    grid-template-columns: 1fr;
  }
}