/* ── Grace Period ───────────────────────────────────────────── */
.grace-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.grace-visual { border-radius: 16px; overflow: hidden; line-height: 0; }
.grace-visual img { width: 100%; height: 100%; object-fit: cover; border-radius: 16px; display: block; }
.grace-content .section-eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: 12px; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; color: var(--blue); margin-bottom: 18px; }
.grace-content .section-eyebrow::before { content: ''; width: 26px; height: 1px; background: var(--blue); }
.grace-content h2 { font-family: 'Poppins', sans-serif; font-weight: 400; font-size: clamp(28px, 3vw, 40px); line-height: 1.12; color: var(--navy); margin: 0 0 18px; letter-spacing: -0.012em; }
.grace-content h2 em { font-style: italic; font-weight: 300; color: var(--blue); }
.grace-content p { font-size: 16px; color: var(--muted); line-height: 1.75; margin: 0 0 28px; }
.grace-badge { display: inline-flex; align-items: center; gap: 12px; padding: 14px 22px; background: var(--blue-soft); border-radius: 10px; font-size: 14px; font-weight: 600; color: var(--navy); }
.grace-badge i { color: var(--blue); }

/* ── Payment Cards ──────────────────────────────────────────── */
.payment-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.payment-card { background: white; border: 1px solid var(--silver-light); border-radius: 14px; padding: 40px 36px; display: flex; flex-direction: column; transition: all 0.3s ease; position: relative; overflow: hidden; }
.payment-card::before { content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 3px; background: var(--blue); transform: scaleX(0); transform-origin: left; transition: transform 0.4s ease; }
.payment-card:hover { transform: translateY(-4px); box-shadow: 0 24px 50px -20px rgba(0,38,74,0.18); border-color: transparent; }
.payment-card:hover::before { transform: scaleX(1); }
.payment-card-icon { width: 52px; height: 52px; border-radius: 10px; background: var(--navy); display: flex; align-items: center; justify-content: center; color: white; margin-bottom: 22px; }
.payment-card h3 { font-family: 'Poppins', sans-serif; font-size: 24px; font-weight: 500; color: var(--navy); margin: 0 0 6px; letter-spacing: -0.01em; }
.payment-accepted { font-size: 12px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue); margin-bottom: 18px; }
.payment-card p { font-size: 15px; color: var(--muted); line-height: 1.7; margin: 0 0 16px; }
.payment-address { background: var(--silver-lighter); border-radius: 8px; padding: 16px 20px; font-size: 14px; color: var(--ink); line-height: 1.7; margin: 12px 0 18px; font-style: normal; }
.payment-address strong { display: block; font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 4px; }
.payment-card-cta { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--blue); text-decoration: none; letter-spacing: 0.04em; padding-bottom: 4px; border-bottom: 1.5px solid var(--blue); align-self: flex-start; margin-top: auto; transition: gap 0.25s ease; }
.payment-card-cta:hover { gap: 14px; }

/* ── Late Fee ───────────────────────────────────────────────── */
.late-fee-wrap { max-width: 900px; margin: 0 auto; }
.late-fee-header { display: flex; align-items: center; gap: 16px; margin-bottom: 32px; }
.late-fee-header-icon { width: 52px; height: 52px; border-radius: 12px; background: #fffbf0; border: 1.5px solid #f0d070; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.late-fee-header h3 { font-family: 'Poppins', sans-serif; font-size: clamp(20px, 2.5vw, 26px); font-weight: 500; color: var(--navy); margin: 0; letter-spacing: -0.01em; }
.late-fee-points { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 28px; }
.late-fee-point { background: white; border: 1px solid var(--silver-light); border-radius: 12px; padding: 24px 22px; }
.late-fee-point-num { font-family: 'Poppins', sans-serif; font-size: 13px; font-weight: 600; color: var(--blue); letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 10px; }
.late-fee-point p { font-size: 14px; color: var(--muted); line-height: 1.65; margin: 0; }
.late-fee-note { display: flex; align-items: flex-start; gap: 12px; background: #fffbf0; border: 1px solid #f0d070; border-radius: 10px; padding: 18px 22px; font-size: 14px; color: var(--muted); line-height: 1.6; }
.late-fee-note i { color: var(--gold); flex-shrink: 0; margin-top: 2px; }

/* ── Responsive ─────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .grace-wrap { grid-template-columns: 1fr; gap: 40px; }
  .payment-grid { grid-template-columns: 1fr; }
  .late-fee-points { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .grace-content h2 { font-size: clamp(24px, 6vw, 32px); }
}