@media (max-width: 768px) {
  .layout {
    flex-direction: column;
  }
  .layout__right {
    display: none;
  }
  .content {
    padding: 24px 16px;
  }
  .content--indented {
    padding-left: 24px;
  }
  .content--indented .back-link {
    margin-left: 0;
  }
  .content__title {
    font-size: 1.375rem;
  }
  .gov-header {
    padding: 24px 16px 16px;
    flex-wrap: wrap;
    gap: 8px;
  }
  .gov-divider {
    margin: 0 16px;
  }
  .gov-brand__text {
    font-size: 18px;
  }
  .gov-brand__herb {
    height: 32px;
  }
  .bank-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .bank-tile {
    width: auto;
    height: 70px;
  }
  .options {
    gap: 10px;
  }
  .option-card {
    padding: 14px 16px;
  }
  .option-card__desc {
    font-size: 0.875rem;
  }
  .trust-banner {
    padding: 12px 14px;
    gap: 10px;
  }
  .trust-banner__text span {
    font-size: 0.875rem;
  }
  .info-banner {
    padding: 12px 14px;
    gap: 10px;
  }
  .info-banner__text {
    font-size: 0.875rem;
  }
  .verify-form {
    max-width: 100%;
  }
  .verify-form__phone {
    max-width: 100%;
  }
  .verify-info {
    max-width: 100%;
  }
  .pz-or {
    max-width: 100%;
  }
  .pz-bank-btn {
    max-width: 100%;
  }
  .site-footer {
    height: auto;
    padding: 16px;
    flex-wrap: wrap;
    gap: 12px;
  }
  .site-footer__link {
    font-size: 0.875rem;
  }
  .modal__dialog {
    padding: 24px 20px;
    margin: 16px;
  }
  .modal__title {
    font-size: 1.25rem;
  }
}

@media (max-width: 480px) {
  .bank-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }
  .bank-tile {
    height: 60px;
    padding: 10px 16px;
  }
  .content__title {
    font-size: 1.25rem;
  }
  .content__subtitle {
    font-size: 0.875rem;
  }
}