/* ================= PAYMENT TERMS PAGE (scoped .pay-* only; shared
   header/footer primitives come from styles.css untouched) ============ */
.pay-wrap{max-width:1280px;margin:0 auto;padding:0 20px}
.pay-eyebrow{font-size:12px;font-weight:800;letter-spacing:1.4px;color:var(--color-accent);text-transform:uppercase;margin-bottom:8px}

/* ---- S1: page header ---- */
.pay-head{background:var(--color-bg-light);padding-bottom:34px}
.pay-head-inner{padding-top:22px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.pay-head-text{min-width:0}
.pay-head-inner h1{font-size:30px;font-weight:800;letter-spacing:-.4px;color:var(--color-text)}
.pay-head-inner p{font-size:14px;color:var(--muted);line-height:1.65;margin-top:10px;max-width:640px}
.pay-badges{display:flex;flex-direction:column;gap:10px;flex-shrink:0}
.pay-pill{display:inline-flex;align-items:center;gap:7px;background:var(--color-bg);border:1px solid var(--line);border-radius:20px;padding:8px 15px;font-size:12px;font-weight:700;color:var(--color-text);white-space:nowrap}

/* ---- S2: info cards ---- */
.pay-cards-sec{background:var(--color-bg);padding:30px 0 8px}
.pay-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.pay-card{background:var(--color-bg);border:1px solid var(--line);border-radius:14px;padding:22px 20px;min-width:0}
.pay-card h2{font-size:17px;color:var(--color-text);margin-bottom:6px}
.pay-card-sub{font-size:13px;color:var(--muted);line-height:1.6;margin-bottom:16px}
.pay-methods{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.pay-method{background:var(--color-bg-light);border-radius:10px;padding:13px 14px;min-width:0}
.pay-method b{display:block;font-size:13.5px;color:var(--color-text);margin-bottom:3px}
.pay-method span{font-size:12px;color:var(--muted);line-height:1.5}
.pay-checks{list-style:none;display:flex;flex-direction:column;gap:12px}
.pay-checks li{font-size:13px;color:var(--muted);line-height:1.6;padding-left:26px;position:relative}
.pay-checks li::before{content:"✓";position:absolute;left:0;top:1px;width:18px;height:18px;border-radius:50%;background:rgba(34,179,88,.14);color:var(--green);font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center}
.pay-checks b{color:var(--color-text)}

/* ---- S3: workflow ---- */
.pay-steps-sec{background:var(--color-bg-light);padding:40px 0;margin-top:34px}
.pay-steps-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.pay-steps-top .pay-eyebrow{margin-bottom:0}
.pay-caption{font-size:12px;color:var(--muted)}
.pay-steps-sec h2{font-size:24px;letter-spacing:-.3px;color:var(--color-text);text-align:center;margin-top:8px}
.pay-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:20px}
.pay-step{background:var(--color-bg);border:1px solid var(--line);border-radius:12px;padding:18px 16px;min-width:0}
.pay-step-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.pay-num{width:34px;height:34px;flex-shrink:0;border-radius:10px;color:var(--color-bg);font-weight:800;font-size:15px;display:flex;align-items:center;justify-content:center}
.pay-num.blue{background:var(--color-accent)}
.pay-num.orange{background:var(--color-cta,#F97316)}
.pay-num.green{background:var(--green)}
.pay-step-ico{font-size:19px}
.pay-step h3{font-size:14px;color:var(--color-text);margin-bottom:4px}
.pay-step p{font-size:12.5px;color:var(--muted);line-height:1.55}

/* ---- S4: policies ---- */
.pay-policies-sec{background:var(--color-bg);padding:40px 0 8px}
.pay-policies-sec h2{font-size:24px;letter-spacing:-.3px;color:var(--color-text);margin-bottom:20px}
.pay-policies{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.pay-policy{background:var(--color-bg);border:1px solid var(--line);border-radius:12px;padding:20px 18px;min-width:0}
.pay-tile{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:19px;margin-bottom:12px}
.pay-tile.t-blue{background:rgba(37,99,235,.12)}
.pay-tile.t-peach{background:rgba(249,115,22,.14)}
.pay-tile.t-green{background:rgba(34,179,88,.14)}
.pay-tile.t-navy{background:rgba(11,31,58,.08)}
.pay-tile.t-sky{background:rgba(37,99,235,.08)}
.pay-policy h3{font-size:14px;color:var(--color-text);margin-bottom:6px}
.pay-policy p{font-size:12.5px;color:var(--muted);line-height:1.6}
.pay-policy a{color:var(--color-accent);font-weight:700}
.pay-policy a:hover{text-decoration:underline}

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

/* ---- responsive ---- */
@media(max-width:1024px){
.pay-steps{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:760px){
.pay-cards{grid-template-columns:1fr}
.pay-help{flex-direction:column;align-items:stretch;padding:26px 22px}
.pay-help-actions{justify-content:flex-start}
.pay-help-actions .pay-btn{flex:1 1 auto;text-align:center}
}
@media(max-width:640px){
.pay-wrap{padding:0 12px}
.pay-head-inner h1{font-size:23px}
.pay-steps,.pay-policies,.pay-methods{grid-template-columns:1fr}
.pay-steps-sec h2,.pay-policies-sec h2{font-size:20px}
.pay-help-text h2{font-size:18px}
}