* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    background: #f8f9fa;
    overflow-x: hidden;
}

/* ================= HERO SECTION ================= */

.payment-hero-section {
    position: relative;
    padding: clamp(80px, 15vh, 120px) 5%;
    background: #1E5FD8;
    overflow: hidden;
    text-align: center;
    padding-top: 120px;
}

.payment-hero-container {
    max-width: 1000px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.payment-hero-label {
    display: inline-block;
    color: white;
    font-size: clamp(13px, 1.5vw, 15px);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 20px;
    padding: 8px 22px;
    background: rgba(255, 255, 255, 0.15);
    border-radius: 6px;
    border: 1px solid rgba(255, 255, 255, 0.3);
}

.payment-hero-title {
    color: #FFFFFF;
    font-size: clamp(36px, 6vw, 56px);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 20px;
}

.payment-hero-subtitle {
    color: rgba(255, 255, 255, 0.95);
    font-size: clamp(16px, 2vw, 20px);
    line-height: 1.6;
    max-width: 800px;
    margin: 0 auto;
}

/* ================= INTRODUCTION SECTION ================= */

.intro-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #ffffff;
}

.intro-container {
    max-width: 1200px;
    margin: 0 auto;
}

.section-header {
    text-align: center;
    margin-bottom: clamp(40px, 8vh, 60px);
}

.section-label {
    display: inline-block;
    color: #1E5FD8;
    font-size: clamp(13px, 1.5vw, 15px);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 15px;
    padding: 8px 22px;
    background: #f0f4ff;
    border-radius: 6px;
    border: 1px solid #1E5FD8;
}

.section-title {
    color: #0B2C6B;
    font-size: clamp(28px, 4.5vw, 42px);
    font-weight: 700;
    line-height: 1.3;
    margin-bottom: 20px;
}

.intro-text {
    color: #495057;
    font-size: clamp(16px, 2vw, 19px);
    line-height: 1.8;
    text-align: center;
    max-width: 900px;
    margin: 0 auto;
}

/* ================= BENEFITS SECTION ================= */

.benefits-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #f8f9fa;
}

.benefits-container {
    max-width: 1400px;
    margin: 0 auto;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(320px, 100%), 1fr));
    gap: clamp(20px, 3vw, 30px);
    margin-top: clamp(40px, 8vh, 60px);
}

.benefit-card {
    background: #ffffff;
    padding: clamp(25px, 4vw, 35px);
    border-radius: 12px;
    border: 1px solid #e0e0e0;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
}

.benefit-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.12);
    border-color: #1E5FD8;
}

.benefit-icon {
    width: 50px;
    height: 50px;
    background: #1E5FD8;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    font-size: 24px;
}

.benefit-title {
    color: #0B2C6B;
    font-size: clamp(18px, 2.2vw, 22px);
    font-weight: 700;
    margin-bottom: 12px;
}

.benefit-list {
    list-style: none;
    display: grid;
    gap: 12px;
}

.benefit-list li {
    color: #495057;
    font-size: clamp(15px, 1.7vw, 17px);
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 12px;
    background: #f8f9fa;
    border-radius: 8px;
    border-left: 3px solid #1E5FD8;
}

.benefit-list li::before {
    content: '✓';
    color: white;
    background: #1E5FD8;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 11px;
    flex-shrink: 0;
}

/* ================= WHY IMPORTANT SECTION ================= */

.importance-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #ffffff;
}

.importance-container {
    max-width: 1200px;
    margin: 0 auto;
}

.importance-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: clamp(40px, 6vw, 60px);
    align-items: start;
    margin-top: clamp(40px, 8vh, 60px);
}

.importance-text {
    color: #495057;
    font-size: clamp(16px, 1.9vw, 18px);
    line-height: 1.8;
    margin-bottom: 30px;
}

.cost-list {
    list-style: none;
    display: grid;
    gap: 15px;
}

.cost-list li {
    color: #495057;
    font-size: clamp(15px, 1.8vw, 17px);
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 15px;
    background: #f8f9fa;
    border-radius: 8px;
}

.cost-list li::before {
    content: '•';
    color: #1E5FD8;
    font-size: 24px;
    font-weight: 700;
    flex-shrink: 0;
}

.importance-note {
    margin-top: 30px;
    padding: 20px 25px;
    background: #f0f4ff;
    border-radius: 8px;
    border-left: 4px solid #1E5FD8;
}

.importance-note p {
    color: #0B2C6B;
    font-size: clamp(15px, 1.8vw, 17px);
    font-weight: 600;
    line-height: 1.7;
}

/* ================= TRANSPARENCY SECTION ================= */

.transparency-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #1E5FD8;
}

.transparency-container {
    max-width: 1200px;
    margin: 0 auto;
}

.transparency-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(280px, 100%), 1fr));
    gap: clamp(20px, 3vw, 25px);
    margin-top: clamp(40px, 8vh, 60px);
}

.transparency-item {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    padding: 20px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 8px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    transition: all 0.3s ease;
}

.transparency-item:hover {
    background: rgba(255, 255, 255, 0.15);
    transform: translateX(5px);
}

.transparency-icon {
    font-size: clamp(28px, 4vw, 36px);
    flex-shrink: 0;
}

.transparency-text {
    color: rgba(255, 255, 255, 0.95);
    font-size: clamp(15px, 1.8vw, 17px);
    line-height: 1.6;
    font-weight: 500;
}

/* ================= PROTECTION SECTION ================= */

.protection-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #f8f9fa;
}

.protection-container {
    max-width: 1400px;
    margin: 0 auto;
}

.protection-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(300px, 100%), 1fr));
    gap: clamp(20px, 3vw, 30px);
    margin-top: clamp(40px, 8vh, 60px);
}

.protection-card {
    background: #ffffff;
    padding: clamp(25px, 4vw, 35px);
    border-radius: 12px;
    border: 1px solid #e0e0e0;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    text-align: center;
}

.protection-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.12);
    border-color: #1E5FD8;
}

.protection-icon {
    width: 60px;
    height: 60px;
    background: #1E5FD8;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 28px;
}

.protection-title {
    color: #0B2C6B;
    font-size: clamp(16px, 2vw, 18px);
    font-weight: 700;
    line-height: 1.4;
}

/* ================= PAYMENT MODES SECTION ================= */

.payment-modes-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #ffffff;
}

.payment-modes-container {
    max-width: 1000px;
    margin: 0 auto;
}

.payment-modes-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(300px, 100%), 1fr));
    gap: clamp(25px, 4vw, 35px);
    margin-top: clamp(40px, 8vh, 60px);
}

.payment-mode-card {
    background: #ffffff;
    padding: clamp(30px, 5vw, 40px);
    border-radius: 12px;
    border: 2px solid #1E5FD8;
    box-shadow: 0 4px 15px rgba(30, 95, 216, 0.15);
    text-align: center;
    transition: all 0.3s ease;
}

.payment-mode-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 25px rgba(30, 95, 216, 0.25);
}

.payment-mode-icon {
    font-size: clamp(40px, 6vw, 50px);
    margin-bottom: 20px;
}

.payment-mode-title {
    color: #0B2C6B;
    font-size: clamp(20px, 2.5vw, 24px);
    font-weight: 700;
    margin-bottom: 10px;
}

.payment-mode-subtitle {
    color: #495057;
    font-size: clamp(14px, 1.6vw, 16px);
    line-height: 1.6;
}

.payment-note {
    margin-top: 40px;
    padding: 20px 25px;
    background: #fff8e1;
    border-radius: 8px;
    border-left: 4px solid #ffc107;
}

.payment-note p {
    color: #0B2C6B;
    font-size: clamp(15px, 1.8vw, 17px);
    font-weight: 600;
    line-height: 1.7;
}

.payment-note strong {
    color: #1E5FD8;
}

/* ================= TRUST SECTION ================= */

.trust-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #f8f9fa;
}

.trust-container {
    max-width: 1200px;
    margin: 0 auto;
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(250px, 100%), 1fr));
    gap: clamp(20px, 3vw, 30px);
    margin-top: clamp(40px, 8vh, 60px);
}

.trust-item {
    background: #ffffff;
    padding: 25px;
    border-radius: 12px;
    border: 1px solid #e0e0e0;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    display: flex;
    align-items: center;
    gap: 15px;
    transition: all 0.3s ease;
}

.trust-item:hover {
    transform: translateY(-3px);
    box-shadow: 0 6px 15px rgba(0, 0, 0, 0.12);
    border-color: #1E5FD8;
}

.trust-icon {
    font-size: 28px;
    flex-shrink: 0;
}

.trust-text {
    color: #0B2C6B;
    font-size: clamp(15px, 1.8vw, 17px);
    font-weight: 600;
    line-height: 1.5;
}

/* ================= COMMITMENT SECTION ================= */

.commitment-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #ffffff;
}

.commitment-container {
    max-width: 1000px;
    margin: 0 auto;
}

.commitment-intro {
    color: #495057;
    font-size: clamp(16px, 2vw, 19px);
    line-height: 1.8;
    text-align: center;
    margin: clamp(30px, 6vh, 50px) auto;
    max-width: 800px;
}

.commitment-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(220px, 100%), 1fr));
    gap: clamp(20px, 3vw, 25px);
}

.commitment-item {
    background: #f0f4ff;
    padding: 25px;
    border-radius: 12px;
    border-left: 4px solid #1E5FD8;
    transition: all 0.3s ease;
}

.commitment-item:hover {
    background: #e3ecff;
    transform: translateX(5px);
}

.commitment-item-inner {
    display: flex;
    align-items: center;
    gap: 12px;
}

.commitment-check {
    color: white;
    background: #1E5FD8;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 13px;
    flex-shrink: 0;
}

.commitment-text {
    color: #0B2C6B;
    font-size: clamp(15px, 1.8vw, 17px);
    font-weight: 600;
}

/* ================= CLOSING SECTION ================= */

.closing-section {
    padding: clamp(60px, 12vh, 100px) 5%;
    background: #1E5FD8;
    text-align: center;
}

.closing-container {
    max-width: 900px;
    margin: 0 auto;
}

.closing-quote {
    color: #FFFFFF;
    font-size: clamp(22px, 3.5vw, 32px);
    font-weight: 700;
    line-height: 1.5;
    margin-bottom: 20px;
}

.closing-text {
    color: rgba(255, 255, 255, 0.95);
    font-size: clamp(16px, 2vw, 19px);
    line-height: 1.8;
    margin-bottom: 40px;
}

.closing-footer {
    padding-top: 40px;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
}

.company-name {
    color: #FFFFFF;
    font-size: clamp(24px, 3vw, 30px);
    font-weight: 700;
    margin-bottom: 10px;
}

.company-tagline {
    color: rgba(255, 255, 255, 0.9);
    font-size: clamp(16px, 2vw, 18px);
    font-weight: 500;
}

/* ================= RESPONSIVE ================= */

@media screen and (max-width: 992px) {
    .importance-content {
        grid-template-columns: 1fr;
    }

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

@media screen and (max-width: 640px) {

    .payment-hero-section,
    .intro-section,
    .benefits-section,
    .importance-section,
    .transparency-section,
    .protection-section,
    .payment-modes-section,
    .trust-section,
    .commitment-section,
    .closing-section {
        padding: clamp(40px, 10vh, 60px) 5%;
    }

    .payment-hero-section {
        padding-top: 120px;
    }

    .transparency-grid,
    .protection-grid,
    .trust-grid,
    .commitment-grid {
        grid-template-columns: 1fr;
    }
}