.payment-wrap {
  max-width: 1000px;
  margin: 0 auto;
  padding: 0 20px;
}

.payment-hero {
  position: relative;
  overflow: hidden;
  padding: 84px 0 64px;
  text-align: center;
}

.payment-hero::before {
  content: "";
  position: absolute;
  inset: 0 -30%;
  background-image:
    radial-gradient(circle at 28% 35%, rgba(74, 141, 248, .15), transparent 26%),
    radial-gradient(circle at 74% 28%, rgba(110, 231, 168, .09), transparent 23%);
  pointer-events: none;
}

.payment-hero > * {
  position: relative;
}

.payment-hero h1 {
  max-width: 16ch;
  margin: 0 auto 18px;
  font-size: clamp(36px, 7vw, 64px);
  line-height: 1.04;
}

.payment-hero h1 .grad {
  background: linear-gradient(100deg, #8fbcff 0%, #4a8df8 55%, #6ee7a8 120%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.payment-hero .subtitle {
  max-width: 63ch;
  margin: 0 auto 30px;
  font-size: clamp(16px, 2.2vw, 19px);
}

.payment-hero .hero-trust {
  max-width: 790px;
  margin: 0 auto;
}

.pillar-intro {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}

.pillar-intro h2 {
  font-size: clamp(26px, 4vw, 36px);
  margin-bottom: 12px;
}

.pillar-intro > p:not(.eyebrow) {
  color: var(--text-dim);
  font-size: 17px;
  line-height: 1.75;
}

.answer-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-top: 28px;
}

.answer-strip span {
  padding: 8px 13px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: rgba(10, 17, 32, .82);
  color: var(--text-dim);
  font-size: 13px;
}

.answer-strip strong {
  color: var(--text);
}

.payment-map {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.payment-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-height: 300px;
  padding: 26px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: linear-gradient(155deg, rgba(14, 33, 72, .42), rgba(10, 17, 32, .92) 62%);
}

.payment-card-pending {
  border-style: dashed;
  background: linear-gradient(155deg, rgba(22, 62, 52, .32), rgba(10, 17, 32, .92) 62%);
}

.payment-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  margin-bottom: 18px;
}

.payment-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(74, 141, 248, .32);
  border-radius: 13px;
  background: rgba(30, 79, 216, .17);
  font-size: 22px;
}

.payment-card h3 {
  margin: 0 0 8px;
  font-family: var(--font-head);
  font-size: 20px;
}

.payment-card p {
  margin: 0 0 20px;
  color: var(--text-dim);
  font-size: 14.5px;
  line-height: 1.65;
}

.payment-card-cta {
  margin-top: auto;
  color: var(--accent);
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}

.payment-card-link {
  margin-top: 8px;
  color: var(--text-dim);
  font-size: 13px;
}

.payment-card-status {
  margin-top: auto;
  padding: 8px 12px;
  border: 1px solid rgba(110, 231, 168, .28);
  border-radius: 999px;
  background: rgba(110, 231, 168, .08);
  color: var(--green);
  font-family: var(--font-head);
  font-size: 12.5px;
  font-weight: 700;
}

.setup-layers {
  display: grid;
  gap: 12px;
}

.setup-layer {
  display: grid;
  grid-template-columns: 52px minmax(0, 1fr) auto;
  align-items: center;
  gap: 18px;
  padding: 20px 22px;
  border: 1px solid var(--border);
  border-radius: 13px;
  background: rgba(10, 17, 32, .78);
}

.layer-index {
  color: var(--accent);
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .08em;
}

.layer-role {
  margin: 0 0 2px;
  color: var(--text-faint);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.setup-layer h3 {
  margin: 0;
  font-family: var(--font-head);
  font-size: 17px;
}

.setup-layer div > p:last-child {
  margin: 5px 0 0;
  color: var(--text-dim);
  font-size: 13.5px;
}

.setup-layer > a,
.setup-pending,
.setup-neutral {
  max-width: 190px;
  text-align: right;
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 700;
}

.setup-pending {
  color: var(--green);
}

.setup-neutral {
  color: var(--text-faint);
}

.real-setup {
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  align-items: center;
  gap: 38px;
}

.real-setup h2 {
  font-size: clamp(27px, 4vw, 37px);
}

.real-setup > div:first-child > p:last-child {
  color: var(--text-dim);
}

.real-setup-card {
  padding: 24px;
  border: 1px solid rgba(74, 141, 248, .35);
  border-radius: var(--radius);
  background: linear-gradient(160deg, rgba(30, 79, 216, .16), rgba(10, 17, 32, .9));
}

.real-setup-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.real-setup-card li {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding: 13px 0;
  border-bottom: 1px solid var(--border);
}

.real-setup-card li:last-child {
  border-bottom: 0;
}

.real-setup-card strong {
  color: var(--text);
}

.real-setup-card span {
  color: var(--text-dim);
  text-align: right;
  font-size: 13.5px;
}

.formula-card {
  padding: 30px;
  border: 1px solid rgba(74, 141, 248, .42);
  border-radius: var(--radius);
  background: linear-gradient(130deg, rgba(30, 79, 216, .19), rgba(10, 17, 32, .86));
  text-align: center;
}

.formula-card p {
  margin: 0;
}

.formula-card p:last-child {
  margin-top: 16px;
  color: var(--green);
  font-family: var(--font-head);
  font-size: 21px;
}

.formula {
  color: var(--text);
  font-family: var(--font-head);
  font-size: clamp(17px, 3vw, 23px);
  font-weight: 600;
  line-height: 1.8;
}

.formula span {
  color: var(--accent);
}

.cost-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 16px;
}

.cost-grid article {
  padding: 20px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: rgba(10, 17, 32, .72);
}

.cost-grid h3 {
  margin: 0 0 6px;
  font-family: var(--font-head);
  font-size: 15px;
}

.cost-grid p {
  margin: 0;
  color: var(--text-dim);
  font-size: 13.5px;
}

.cashback-section {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  align-items: center;
  gap: 36px;
}

.cashback-copy h2 {
  font-size: clamp(27px, 4vw, 37px);
}

.cashback-copy > p:not(.eyebrow) {
  color: var(--text-dim);
}

.cashback-order {
  display: grid;
  gap: 10px;
  padding: 22px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: rgba(10, 17, 32, .8);
  counter-reset: cashback-step;
}

.cashback-order span {
  padding: 12px 14px;
  border-left: 3px solid var(--accent);
  border-radius: 0 9px 9px 0;
  background: var(--bg-elev-2);
  color: var(--text);
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 700;
}

.decision-card {
  max-width: 820px;
  margin: 0 auto;
  padding: 34px;
  border: 1px solid rgba(110, 231, 168, .28);
  border-radius: var(--radius);
  background: rgba(110, 231, 168, .06);
}

.decision-card h2 {
  font-size: clamp(25px, 4vw, 34px);
}

.decision-card p:not(.eyebrow) {
  color: var(--text-dim);
}

.finder-preview {
  padding: 34px;
  border: 1px solid rgba(74, 141, 248, .4);
  border-radius: var(--radius);
  background:
    linear-gradient(145deg, rgba(30, 79, 216, .2), rgba(10, 17, 32, .9)),
    var(--bg-elev);
}

.finder-preview h2 {
  font-size: clamp(27px, 4vw, 38px);
}

.finder-preview > div:first-child > p:last-child {
  max-width: 68ch;
  color: var(--text-dim);
}

.finder-output {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin: 24px 0 18px;
}

.finder-output span {
  padding: 14px;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: rgba(6, 9, 15, .6);
  color: var(--text);
  text-align: center;
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 700;
}

.finder-note {
  margin: 0;
  color: var(--text-faint);
  font-size: 13px;
}

.travel-checklist {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.travel-checklist li {
  position: relative;
  padding: 16px 18px 16px 48px;
  border: 1px solid var(--border);
  border-radius: 11px;
  background: rgba(10, 17, 32, .72);
  color: var(--text-dim);
  font-size: 14px;
}

.travel-checklist li::before {
  content: "✓";
  position: absolute;
  top: 15px;
  left: 18px;
  color: var(--green);
  font-weight: 800;
}

.payment-faq {
  max-width: 820px;
  margin: 0 auto;
}

.payment-faq h2 {
  margin-bottom: 18px;
  font-size: clamp(25px, 4vw, 34px);
}

.payment-faq details {
  padding: 17px 0;
  border-bottom: 1px solid var(--border);
}

.payment-faq summary {
  cursor: pointer;
  color: var(--text);
  font-family: var(--font-head);
  font-weight: 700;
}

.payment-faq details p {
  margin: 10px 0 0;
  color: var(--text-dim);
}

#next-step-mount {
  padding-bottom: 24px;
}

@media (max-width: 780px) {
  .payment-map,
  .real-setup,
  .cashback-section {
    grid-template-columns: 1fr;
  }

  .cost-grid {
    grid-template-columns: 1fr;
  }

  .setup-layer {
    grid-template-columns: 42px minmax(0, 1fr);
  }

  .setup-layer > a,
  .setup-pending,
  .setup-neutral {
    grid-column: 2;
    max-width: none;
    text-align: left;
  }

  .header-nav a:not(:last-child) {
    display: none;
  }
}

@media (max-width: 560px) {
  .payment-hero {
    padding-top: 56px;
  }

  .payment-hero h1 {
    font-size: 38px;
  }

  .payment-card {
    min-height: 0;
    padding: 22px;
  }

  .real-setup-card li {
    display: grid;
    gap: 3px;
  }

  .real-setup-card span {
    text-align: left;
  }

  .finder-output,
  .travel-checklist {
    grid-template-columns: 1fr;
  }

  .finder-preview,
  .decision-card,
  .formula-card {
    padding: 24px 20px;
  }

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }
}