:root {
  --bg: #f4f7fb;
  --ink: #0f1a2a;
  --muted: #5c6b7f;
  --brand: #1b6fd4;
  --line: #d9e2ef;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Segoe UI", "Arial", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(1000px 480px at 85% -10%, #cfe1f8 0%, transparent 60%),
    radial-gradient(700px 420px at -10% 120%, #dff1ff 0%, transparent 55%),
    var(--bg);
}

.hero {
  max-width: 1040px;
  margin: 0 auto;
  padding: 28px 20px 36px;
  min-height: 70vh;
  display: flex;
  flex-direction: column;
}

.top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  width: 84px;
  height: 84px;
  object-fit: contain;
}

.pay-link {
  color: var(--ink);
  text-decoration: none;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 999px;
  padding: 10px 16px;
  font-weight: 600;
}

.content {
  margin: auto 0;
  max-width: 700px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--brand);
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
}

h1 {
  margin: 0;
  font-size: clamp(32px, 6vw, 56px);
  line-height: 1.05;
}

.lead {
  margin: 16px 0 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.5;
}

.cta {
  margin-top: 28px;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.btn {
  height: 48px;
  padding: 0 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  text-decoration: none;
  font-weight: 700;
}

.btn-primary {
  background: var(--brand);
  color: #fff;
}

.btn-ghost {
  background: #fff;
  color: var(--ink);
  border: 1px solid var(--line);
}

.how {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px 36px;
}

.how h2 {
  margin: 0 0 14px;
  font-size: 24px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 16px;
}

.step span {
  display: inline-flex;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  background: #e7f0fb;
  color: var(--brand);
  font-weight: 700;
}

.step p {
  margin: 10px 0 0;
  color: var(--muted);
  line-height: 1.45;
}

@media (max-width: 860px) {
  .steps { grid-template-columns: 1fr; }
}