.payments-page{
    background:#f4f8fc;
    min-height:100vh;
    padding-bottom:20px;
}

/* HERO — COMPACT */
.payments-page .hero{
    background:linear-gradient(135deg,#0a3d62,#1e5fa3);
    color:#fff;
    text-align:center;
    padding:14px 16px 12px;
    border-radius:0 0 14px 14px;
    margin-bottom:12px;
}

.payments-page .hero h2{
    margin:0 0 4px;
    font-size:22px;
    font-weight:800;
    line-height:1.2;
}

.payments-page .hero p{
    margin:0;
    font-size:13px;
    opacity:0.95;
}

/* MAIN */
.payments-page .main{
    max-width:1200px;
    margin:0 auto;
    padding:0 20px;
}

/* CATEGORY TITLE */
.payments-page .category-title{
    font-size:20px;
    font-weight:800;
    color:#0a3d62;
    margin:16px 0 8px;
}

/* FEATURES GRID */
.payments-page .features{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(190px,1fr));
    gap:14px;
}

/* CARD */
.payments-page .card{
    background:#fff;
    border-radius:14px;
    padding:16px 14px;
    box-shadow:0 6px 18px rgba(15,23,42,0.05);
    cursor:pointer;
    transition:all 0.25s ease;
    border:1px solid #e6eef7;
    text-align:left;
}

.payments-page .card:hover{
    transform:translateY(-3px);
    box-shadow:0 10px 22px rgba(15,23,42,0.08);
}

/* ICON */
.payments-page .icon{
    width:44px;
    height:44px;
    border-radius:12px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:8px;
}

.payments-page .icon svg{
    width:22px;
    height:22px;
    stroke:#fff;
    fill:none;
    stroke-width:2;
    stroke-linecap:round;
    stroke-linejoin:round;
}

/* CARD TEXT */
.payments-page .card h4{
    margin:0 0 4px;
    font-size:15px;
    font-weight:700;
    color:#0f172a;
    line-height:1.3;
}

.payments-page .card p{
    margin:0;
    font-size:12px;
    color:#64748b;
    line-height:1.4;
}

/* MOBILE */
@media (max-width:768px){

    .payments-page{
        padding-bottom:14px;
    }

    .payments-page .hero{
        padding:12px 12px 10px;
        border-radius:0 0 12px 12px;
        margin-bottom:10px;
    }

    .payments-page .hero h2{
        font-size:20px;
    }

    .payments-page .hero p{
        font-size:12px;
    }

    .payments-page .main{
        padding:0 14px;
    }

    .payments-page .category-title{
        font-size:18px;
        margin:14px 0 6px;
    }

    .payments-page .features{
        grid-template-columns:repeat(auto-fit,minmax(160px,1fr));
        gap:12px;
    }

    .payments-page .card{
        padding:14px 12px;
        border-radius:12px;
    }

    .payments-page .icon{
        width:40px;
        height:40px;
        margin-bottom:6px;
    }

    .payments-page .icon svg{
        width:20px;
        height:20px;
    }

    .payments-page .card h4{
        font-size:14px;
    }

    .payments-page .card p{
        font-size:12px;
    }

}