/* ============ Active CTA in nav (on Pay page) ============ */
.nav-cta--active a { box-shadow: 0 0 0 2px rgba(25,192,214,.4); }

/* ============ Buttons — variants for Pay page ============ */
.btn-ghost {
  background: transparent;
  color: var(--color-ink);
  border: 2px solid rgba(0,0,0,.12);
  padding: 12px 28px;
}
.btn-ghost:hover {
  border-color: var(--color-primary);
  color: var(--color-primary-deep);
  text-decoration: none;
  transform: translateY(-2px);
}
.btn-lg { font-size: 1.0625rem; padding: 16px 36px; }

/* ============ Hero ============ */
.pay-hero {
  position: relative;
  padding: 120px 0 96px;
  background:
    radial-gradient(ellipse at top right, rgba(25,192,214,.10), transparent 50%),
    radial-gradient(ellipse at bottom left, rgba(25,192,214,.08), transparent 60%),
    linear-gradient(180deg, #FFFFFF 0%, #F5F9FB 100%);
  overflow: hidden;
}
.pay-hero-bg {
  position: absolute; inset: 0;
  opacity: .6;
  pointer-events: none;
}
.pay-hero-bg img { width: 100%; height: 100%; object-fit: cover; }
.pay-hero-inner {
  position: relative; z-index: 1;
  max-width: 920px;
  text-align: center;
}
.pay-eyebrow {
  display: inline-block;
  font-family: var(--font-head);
  color: var(--color-primary-deep);
  background: rgba(25,192,214,.12);
  font-size: .8125rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 24px;
}
.pay-hero h1 {
  font-size: clamp(2.25rem, 3.5vw + 1rem, 3.5rem);
  margin-bottom: 20px;
}
.pay-hero .lede {
  font-size: 1.1875rem;
  margin: 0 auto 36px;
  max-width: 720px;
  color: var(--color-body);
}
.pay-hero-cta {
  display: flex; gap: 16px; justify-content: center; flex-wrap: wrap;
}

@media (max-width: 768px) {
  .pay-hero { padding: 80px 0 64px; }
}

/* ============ Capabilities grid ============ */
.cap-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.cap-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(0,0,0,.04);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.cap-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
  border-color: rgba(25,192,214,.3);
}
.cap-card img {
  color: var(--color-primary-deep);
  margin-bottom: 16px;
}
.cap-card h3 { color: var(--color-ink); margin-bottom: 8px; }
.cap-card p:last-child { margin-bottom: 0; }
@media (max-width: 1024px) { .cap-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px)  { .cap-grid { grid-template-columns: 1fr; } }

/* ============ Audiences (3-card row) ============ */
.aud-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
.aud-card {
  background: var(--color-soft);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border-top: 4px solid var(--color-primary);
  display: flex; flex-direction: column;
}
.aud-card--featured {
  background: var(--color-dark);
  color: rgba(255,255,255,.92);
  position: relative;
  border-top-color: var(--color-primary);
  transform: translateY(-12px);
}
.aud-card--featured h3 { color: #fff; }
.aud-card--featured p { color: rgba(255,255,255,.85); }
.aud-card--featured .aud-list li { color: rgba(255,255,255,.85); }
.aud-card--featured .aud-list li::before { background: var(--color-primary); }
.aud-card img { color: var(--color-primary-deep); margin-bottom: 16px; }
.aud-card--featured img { filter: brightness(0) invert(1); }
.aud-card h3 { margin-bottom: 12px; }
.aud-list {
  margin-top: 12px;
  display: flex; flex-direction: column; gap: 8px;
}
.aud-list li {
  position: relative;
  padding-left: 22px;
  color: var(--color-body);
}
.aud-list li::before {
  content: ""; position: absolute; left: 0; top: .55em;
  width: 8px; height: 8px;
  background: var(--color-primary);
  border-radius: 50%;
}

@media (max-width: 1024px) {
  .aud-grid { grid-template-columns: 1fr; gap: 16px; }
  .aud-card--featured { transform: none; }
}

/* ============ Onboarding steps ============ */
.step-list {
  list-style: none;
  margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px;
}
.step {
  display: flex; gap: 20px;
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-card);
  border-left: 4px solid var(--color-primary);
}
.step-num {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 2.5rem;
  color: var(--color-primary);
  line-height: 1;
  flex-shrink: 0;
}
.step-body h3 { margin-bottom: 6px; }
.step-body p:last-child { margin-bottom: 0; }
@media (max-width: 768px) {
  .step-list { grid-template-columns: 1fr; gap: 16px; }
  .step { padding: 22px; }
  .step-num { font-size: 2rem; }
}

/* ============ Partner CTA band ============ */
.pay-partner-cta {
  background: linear-gradient(135deg, var(--color-dark) 0%, #1A2F42 100%);
  color: rgba(255,255,255,.92);
  position: relative;
  overflow: hidden;
}
.pay-partner-cta::before {
  content: ""; position: absolute;
  top: -160px; right: -120px;
  width: 480px; height: 480px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(25,192,214,.18), transparent 70%);
}
.partner-inner { position: relative; z-index: 1; text-align: center; max-width: 760px; margin: 0 auto; }
.pay-partner-cta h2 { color: #fff; }
.pay-partner-cta .lede { color: rgba(255,255,255,.85); margin-bottom: 32px; }
.partner-actions {
  display: flex; gap: 16px; justify-content: center; flex-wrap: wrap;
}
.pay-partner-cta .btn-ghost {
  color: #fff;
  border-color: rgba(255,255,255,.3);
}
.pay-partner-cta .btn-ghost:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

/* ============ Override main contact section to light on Pay page ============ */
.pay-page .section-contact,
body.pay-page .section-contact {
  background: var(--color-bg);
  color: var(--color-body);
}
.pay-page .section-contact h2 { color: var(--color-ink); }
.pay-page .section-contact .lede { color: var(--color-ink); }
.pay-page .section-contact a { color: var(--color-primary-deep); }
.pay-page .section-contact a:hover { color: var(--color-ink); }
.pay-page .section-contact::before { display: none; }
.pay-page .contact-list li {
  color: var(--color-body);
  border-top-color: rgba(0,0,0,.08);
}
.pay-page .contact-list strong {
  color: rgba(0,0,0,.55);
}