.pay-hero {
  position: relative;
  padding: 56px 24px;
  background: var(--surface);
  overflow: hidden;
}

.pay-hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('/images/decorative/decor_8.webp');
  background-size: contain;
  background-position: center right;
  background-repeat: no-repeat;
  opacity: 0.12;
  filter: grayscale(80%);
}

.pay-hero-inner {
  max-width: 900px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.pay-hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  color: var(--text);
  margin-bottom: 12px;
}

.pay-hero p {
  color: var(--muted);
  font-size: 1.02rem;
}

.pay-columns {
  max-width: 1100px;
  margin: 0 auto;
  padding: 48px 24px 64px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.pay-col {
  padding: 28px;
  background: var(--warm-beige);
  border-radius: 20px;
  border: 1px solid var(--border);
}

.pay-col h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.3rem;
  color: var(--secondary);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}

.pay-col p {
  color: var(--muted);
  margin-bottom: 12px;
  font-size: 0.94rem;
}

.pay-col ul {
  list-style: none;
  padding: 0;
}

.pay-col li {
  padding: 10px 0 10px 28px;
  position: relative;
  color: var(--muted);
  font-size: 0.9rem;
  border-bottom: 1px solid rgba(224, 242, 254, 0.06);
}

.pay-col li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: var(--accent);
}

.pay-full {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px 64px;
}

.pay-full h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
  color: var(--text);
  margin-bottom: 14px;
}

.pay-full p {
  color: var(--muted);
  margin-bottom: 14px;
  font-size: 0.96rem;
}

@media (max-width: 768px) {
  .pay-hero-bg {
    display: none;
  }

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