:root{--couRed:#640000;--couRed2:#4d0000;--danger:#ff5c5c}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:#000}

/* top social strip */
.topSocialStrip{background:#f3f3f3;color:#111;display:flex;align-items:center;justify-content:center;gap:18px;padding:8px 12px;font-size:13px}
.topSocialIcons{display:flex;gap:10px}
.soc{width:26px;height:26px;border-radius:999px;display:inline-flex;align-items:center;justify-content:center;text-decoration:none;color:#fff;font-weight:800;font-size:11px}
.soc.fb{background:#1877f2}.soc.tw{background:#1da1f2}.soc.g{background:#ea4335}.soc.in{background:#0a66c2}.soc.yt{background:#ff0000}.soc.ig{background:#6f42c1}

/* header */
.apply-header{background:linear-gradient(#111,#0a0a0a);border-bottom:1px solid rgba(255,255,255,.12)}
.apply-topRow{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:6px 12px}
.apply-topLinks{display:flex;flex-wrap:nowrap;overflow:auto;white-space:nowrap;gap:6px;padding-bottom:2px}
.apply-topLinks a{color:#fff;text-decoration:none;font-weight:700;font-size:11px;line-height:1.15}
.apply-topLinks .sep{color:#dcdcdc;opacity:.85}
.apply-topSelectors{display:flex;gap:14px;align-items:center}
.apply-select{background:#141414;color:#fff;border:1px solid rgba(255,255,255,.25);border-radius:6px;padding:6px 10px;font-weight:700;font-size:12px}
.apply-countryBox{position:relative;background:#141414;border:1px solid rgba(255,255,255,.25);border-radius:6px;padding:6px 10px;display:flex;align-items:center;gap:8px;cursor:pointer;user-select:none;font-weight:700;font-size:12px;color:#fff}
.apply-countryBox .caret{opacity:.9;font-size:11px}
.apply-countryDrop{position:absolute;top:110%;right:0;width:220px;background:#141414;border:1px solid rgba(255,255,255,.18);border-radius:10px;padding:8px;display:none;z-index:30}
.apply-countryDrop button{width:100%;text-align:left;border:none;background:transparent;color:#fff;padding:8px 8px;border-radius:8px;cursor:pointer;font-weight:700}
.apply-countryDrop button:hover{background:rgba(255,255,255,.08)}
.apply-countryBox.open .apply-countryDrop{display:block}

.apply-mainRow{border-top:1px solid rgba(255,255,255,.10);padding:6px 8px 10px}
.apply-mainNav{display:flex;align-items:center;justify-content:center;gap:18px;flex-wrap:wrap}
.apply-navItem{position:relative}
.apply-navBtn{background:transparent;border:none;color:#fff;font-weight:800;font-size:12px;cursor:pointer;padding:8px 6px}
.caretSmall{font-size:10px;opacity:.9}
.apply-navDrop{position:absolute;left:0;top:110%;min-width:210px;background:#141414;border:1px solid rgba(255,255,255,.18);border-radius:10px;padding:8px;display:none;z-index:50}
.apply-navDrop a{display:block;padding:8px 10px;border-radius:8px;text-decoration:none;color:#fff;font-weight:700;font-size:12px}
.apply-navDrop a:hover{background:rgba(255,255,255,.08)}
.apply-navItem.open .apply-navDrop{display:block}
.apply-navLogoWrap{width:34px;height:34px;display:flex;align-items:center;justify-content:center}
.apply-navLogo{width:30px;height:30px;border-radius:999px;object-fit:cover;border:1px solid rgba(255,255,255,.25);background:#fff}
.apply-navLink{color:#fff;text-decoration:none;font-weight:800;font-size:12px;padding:8px 6px}
.apply-navLink:hover{text-decoration:underline}

/* main */
.apply-main{background:#f3f3f3}
.apply-content{padding:22px 12px 30px}
.apply-card{max-width:1200px;margin:18px auto;background:#fff;border-radius:14px;padding:18px 18px 14px;box-shadow:0 6px 18px rgba(0,0,0,.08)}
.apply-cardHead{display:flex;justify-content:space-between;gap:14px;align-items:flex-start;margin-bottom:12px}
.apply-card h2{margin:0 0 6px;font-size:22px;color:#111}
.apply-sub{margin:0;font-size:13px;color:#444;font-weight:700}
.apply-miniBrand{display:flex;gap:10px;align-items:center;border:1px solid rgba(0,0,0,.10);padding:8px 10px;border-radius:12px;background:#fafafa}
.apply-miniBrand img{width:34px;height:34px;object-fit:contain}
.apply-miniName{font-weight:900;font-size:13px}
.apply-miniMoto{font-weight:900;font-size:12px;color:var(--couRed)}

.apply-panel{background:linear-gradient(135deg,var(--couRed),var(--couRed2));color:#fff;border-radius:14px;padding:16px}
.apply-panelTop{display:flex;justify-content:space-between;gap:12px;align-items:center;flex-wrap:wrap;padding-bottom:10px;border-bottom:1px solid rgba(255,255,255,.18)}
.apply-actions{display:flex;gap:10px}
.apply-progressBar{width:340px;max-width:100%;height:10px;border-radius:999px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.18);overflow:hidden}
.apply-progressFill{height:100%;width:0%;background:#fff;transition:width .25s ease}
.apply-progressText{margin-top:8px;font-size:12px;color:rgba(255,255,255,.85)}

.apply-form{margin-top:12px}
.step{display:none;border:1px solid rgba(255,255,255,.18);background:rgba(0,0,0,.15);border-radius:14px;padding:14px}
.step.active{display:block}
.step h3{margin:0 0 8px;font-size:15px}
.muted{margin:6px 0 0;color:rgba(255,255,255,.80)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:10px}
.field label{display:block;margin-bottom:6px;font-size:12px;font-weight:800}
.req{font-weight:900}
input,select,textarea{width:100%;padding:10px 10px;border-radius:10px;border:1px solid rgba(255,255,255,.20);background:rgba(0,0,0,.20);color:#fff;outline:none}
textarea{resize:vertical}
.err{display:block;min-height:14px;font-size:11px;color:var(--danger);margin-top:6px}
.cardRadio{display:flex;gap:10px;padding:12px;border-radius:12px;border:1px solid rgba(255,255,255,.18);background:rgba(0,0,0,.18);cursor:pointer}
.cardRadio input{width:auto;margin-top:2px}
.cardRadio small{display:block;margin-top:3px;color:rgba(255,255,255,.80)}
.checkRow{display:flex;gap:10px;align-items:flex-start;margin:10px 0 4px;color:rgba(255,255,255,.85)}
.checkRow input{width:auto;margin-top:2px}

.reviewBox{border:1px solid rgba(255,255,255,.18);background:rgba(0,0,0,.18);border-radius:12px;padding:10px 12px}
.reviewRow{display:flex;justify-content:space-between;gap:14px;padding:8px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.reviewRow:last-child{border-bottom:none}
.key{font-weight:900}
.val{color:rgba(255,255,255,.85);text-align:right}
.note{margin-top:12px;padding:10px 12px;border-radius:12px;border:1px solid rgba(255,255,255,.18);background:rgba(0,0,0,.18);color:rgba(255,255,255,.85)}

.btn{padding:9px 14px;border-radius:10px;border:1px solid rgba(255,255,255,.18);cursor:pointer;font-weight:900}
.btn.primary{background:#fff;color:#111;border-color:#fff}
.btn.ghost{background:rgba(0,0,0,.18);color:#fff}
.btn.danger{border-color:rgba(255,92,92,.7)}
.formNav{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-top:12px}
.rightBtns{display:flex;gap:10px}

.toast{position:fixed;right:16px;bottom:90px;background:rgba(0,0,0,.65);border:1px solid rgba(255,255,255,.18);color:#fff;padding:10px 12px;border-radius:12px;opacity:0;transform:translateY(8px);transition:opacity .18s ease,transform .18s ease;pointer-events:none;z-index:200}
.toast.show{opacity:1;transform:translateY(0)}

/* footer */
.apply-footer{background:radial-gradient(circle at 20% 0%, #222 0%, #0b0b0b 55%, #000 100%);color:#fff;padding:16px 0 0;position:relative}
.apply-footerMain{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 420px;gap:18px;padding:18px 14px 14px;align-items:center}
.apply-footerLeft h4{margin:0 0 10px;font-size:14px;font-weight:900}
.apply-quickLinks{color:#fff;font-weight:800;font-size:12px;line-height:1.7}
.apply-quickLinks a{color:#fff;text-decoration:none}
.apply-quickLinks a:hover{text-decoration:underline}
.apply-copy{margin-top:18px;font-size:12px;color:rgba(255,255,255,.85)}
.apply-copy a{color:#fff;font-weight:900;text-decoration:underline}

.apply-footerCard{background:#efefef;color:#111;border-radius:14px;padding:18px 18px 14px;border:1px solid rgba(255,255,255,.22);box-shadow:0 10px 20px rgba(0,0,0,.25);text-align:center}
.apply-cardLogoWrap{width:56px;height:56px;border-radius:999px;background:#fff;display:flex;align-items:center;justify-content:center;margin:-38px auto 10px;border:1px solid rgba(0,0,0,.12)}
.apply-cardLogoWrap img{width:40px;height:40px;object-fit:contain}
.apply-footerCard h3{margin:0 0 10px;font-size:18px;font-weight:900}
.apply-smallTitle{font-size:12px;font-weight:900;margin-bottom:6px}
.apply-addr{font-size:12px;margin-bottom:10px}
.apply-phone{display:inline-block;color:#0a7a3a;font-weight:900;text-decoration:none;margin-bottom:10px}
.apply-joinTitle{font-weight:900;margin-top:8px;font-size:12px}
.apply-joinText{font-size:12px;color:#333;margin-top:6px}
.apply-dots{margin-top:12px;display:flex;gap:8px;justify-content:center}
.apply-dot{width:10px;height:10px;border-radius:3px;display:inline-block}
.apply-dot.blue{background:#1da1f2}.apply-dot.black{background:#111}.apply-dot.red{background:#d50000}.apply-dot.green{background:#00a651}.apply-dot.orange{background:#ff7a00}

.apply-footerBottom{border-top:1px solid rgba(255,255,255,.14);padding:12px 14px;text-align:center}
.apply-policyLinks{font-size:12px;font-weight:800}
.apply-policyLinks a{color:#fff;text-decoration:none}
.apply-policyLinks a:hover{text-decoration:underline}

.apply-chatBtn{position:fixed;right:18px;bottom:18px;width:64px;height:64px;border-radius:999px;background:var(--couRed);border:none;color:#fff;font-weight:900;cursor:pointer;box-shadow:0 10px 20px rgba(0,0,0,.35);z-index:300}

@media (max-width:980px){
  .apply-topRow{flex-direction:column;align-items:stretch}
  .apply-topSelectors{justify-content:flex-end}
  .apply-footerMain{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
}

/* dark-red menu bar (added under the black menus) */
.cou-rednav{
  background:var(--couRed);
  border-top:1px solid rgba(255,255,255,.18);
  border-bottom:1px solid rgba(0,0,0,.35);
  display:flex;
  flex-wrap:wrap;
  gap:0;
  justify-content:center;
  padding:0;
}
.cou-rednav a{
  color:#fff;
  text-decoration:none;
  font-weight:900;
  font-size:13px;
  padding:12px 16px;
  display:inline-flex;
  align-items:center;
}
.cou-rednav a:hover{ background:rgba(0,0,0,.18); }
.cou-rednav a.active{
  background:rgba(0,0,0,.24);
  border-bottom:3px solid rgba(255,255,255,.55);
}

/* connected chat panel */
.chatPanel{
  position:fixed;
  right:18px;
  bottom:92px;
  width:340px;
  max-width:calc(100vw - 32px);
  height:420px;
  max-height:calc(100vh - 140px);
  background:#fff;
  border-radius:16px;
  box-shadow:0 14px 30px rgba(0,0,0,.35);
  border:1px solid rgba(0,0,0,.12);
  display:none;
  overflow:hidden;
  z-index:500;
}
.chatPanel.open{ display:flex; flex-direction:column; }

.chatHead{
  background:linear-gradient(135deg,var(--couRed),var(--couRed2));
  color:#fff;
  padding:10px 12px;
  display:flex;
  align-items:center;
  justify-content:space-between;
}
.chatTitle{ font-weight:900; font-size:13px; }
.chatClose{
  width:28px;height:28px;border-radius:10px;
  border:1px solid rgba(255,255,255,.25);
  background:rgba(0,0,0,.18);
  color:#fff;
  font-weight:900;
  cursor:pointer;
}

.chatMessages{
  flex:1;
  padding:10px 10px 0;
  overflow:auto;
  background:#f6f6f6;
}
.msg{
  margin:0 0 10px;
  display:flex;
}
.msg.user{ justify-content:flex-end; }
.bubble{
  max-width:82%;
  padding:10px 12px;
  border-radius:14px;
  font-size:13px;
  line-height:1.35;
  box-shadow:0 2px 8px rgba(0,0,0,.08);
}
.msg.user .bubble{ background:var(--couRed); color:#fff; border-bottom-right-radius:6px; }
.msg.bot .bubble{ background:#fff; color:#111; border-bottom-left-radius:6px; }

.chatForm{
  display:flex;
  gap:8px;
  padding:10px;
  background:#fff;
  border-top:1px solid rgba(0,0,0,.10);
}
.chatInput{
  flex:1;
  padding:10px 10px;
  border-radius:12px;
  border:1px solid rgba(0,0,0,.14);
  outline:none;
}
.chatSend{
  padding:10px 12px;
  border-radius:12px;
  border:none;
  background:var(--couRed);
  color:#fff;
  font-weight:900;
  cursor:pointer;
}

/* dark-red bar menu (added under black header) */
.cou-redbar{
  background:var(--couRed);
  border-top:1px solid rgba(255,255,255,.08);
  border-bottom:1px solid rgba(0,0,0,.35);
  display:flex;
  flex-wrap:wrap;
  gap:18px;
  justify-content:center;
  padding:12px 10px;
}
.cou-redbar a{
  color:#fff;
  text-decoration:none;
  font-weight:900;
  font-size:13px;
}
.cou-redbar a:hover{ text-decoration:underline; }
.cou-redbar a.active{ text-decoration:underline; }

.countrySearchWrap{padding:6px 6px 8px}
#countrySearch{
  width:100%;
  padding:8px 10px;
  border-radius:10px;
  border:1px solid rgba(255,255,255,.18);
  background:rgba(0,0,0,.25);
  color:#fff;
}
.countryList{
  max-height:280px;
  overflow:auto;
  padding:4px 2px 6px;
}
.countryOption{
  width:100%;
  text-align:left;
  border:none;
  background:transparent;
  color:#fff;
  padding:8px 8px;
  border-radius:8px;
  cursor:pointer;
  font-weight:800;
  display:flex;
  gap:8px;
  align-items:center;
}
.countryOption:hover{ background:rgba(255,255,255,.08); }
.countryOption .cName{flex:1}


/* V7 FIX: minimize black menu paragraph height */
.apply-topRow{padding:4px 12px !important;}
.apply-topLinks{padding-bottom:0 !important; line-height:1.1 !important;}
.apply-topLinks a{font-size:11px !important;}
.apply-topSelectors{gap:8px !important;}

.apply-mainRow{padding:6px 8px 8px !important;}
.apply-mainNav{gap:10px !important;}
.apply-navBtn,.apply-navLink{padding:4px 4px !important;font-size:11px !important;}


/* V9: social icons moved into address card */
.apply-socialRow{
  display:flex;
  justify-content:center;
  gap:10px;
  margin:10px 0 2px;
}
.apply-socialRow .soc{width:26px;height:26px}

/* V9: country dropdown rows */
.apply-countryDrop button{
  display:flex;
  align-items:center;
  gap:10px;
  font-size:12px;
}
.apply-countryDrop button .flagEmoji{width:18px; text-align:center}
.apply-countryDrop button .countryLabel{flex:1}


/* V10: real flag images (works even if emoji flags unsupported) */
.apply-countryBox .flag{display:inline-flex;align-items:center;justify-content:center;width:22px;height:16px}
.flagImgTop{width:22px;height:16px;display:block;border-radius:2px;box-shadow:0 0 0 1px rgba(255,255,255,.18)}
.flagImg{width:22px;height:16px;display:block;border-radius:2px;box-shadow:0 0 0 1px rgba(255,255,255,.18)}
.apply-countryDrop button{gap:10px}

/* V14: Country & City native selects with flag */
.countrySelectWrap{display:flex;align-items:center;gap:10px}
.flagBox{width:26px;height:18px;display:inline-flex;align-items:center;justify-content:center;border-radius:3px;
  box-shadow:0 0 0 1px rgba(255,255,255,.18);overflow:hidden;background:#111}
#countryFlagImg{width:26px;height:18px;display:block}

/* =============================
   PAYMENT PAGE (CoU) – additions
   Keeps header/footer identical to APPLY NOW
   ============================= */

.payment-main{background:#f3f3f3;}

.payment-hero{max-width:1200px;margin:18px auto 0;padding:0 16px;}
.payment-hero img{width:100%;height:auto;display:block;border-radius:18px;box-shadow:0 18px 60px rgba(0,0,0,.18);}

.payment-wrap{max-width:1200px;margin:14px auto 30px;padding:0 16px;}

.payment-wrap{display:grid;grid-template-columns:280px 1fr;gap:18px;align-items:start;}

@media (max-width: 980px){
  .payment-wrap{grid-template-columns:1fr;}
}

.payment-sidebar .sideCard{background:#fff;border-radius:16px;padding:14px 14px 12px;box-shadow:0 12px 40px rgba(0,0,0,.10);border:1px solid rgba(0,0,0,.06);}
.payment-sidebar .sideCard+ .sideCard{margin-top:14px;}

.sideTitle{font-weight:800;font-size:15px;color:#111;margin-bottom:10px;}

.sideLinks{display:flex;flex-direction:column;gap:6px;}
.sideLink{display:block;text-decoration:none;font-weight:700;font-size:13px;color:#1c5fb8;padding:8px 10px;border-radius:12px;background:rgba(28,95,184,.06);}
.sideLink:hover{background:rgba(28,95,184,.12);} 

.sideBullets{margin:0;padding-left:18px;}
.sideBullets li{margin:8px 0;}

.link-blue{color:#1c5fb8;text-decoration:underline;text-underline-offset:3px;font-weight:700;}
.link-blue:hover{opacity:.85;}
.bigLink{display:inline-block;margin-top:8px;}

.sideCallout{border-left:6px solid #8b0000;}

/* --- Sidebar stacked quick-action cards (replaces old balance callout) --- */
.sideStack{padding:12px 12px 10px;}
.sideMini{background:rgba(0,0,0,.02);border:1px solid rgba(0,0,0,.06);border-radius:14px;padding:12px;}
.sideStack .sideMini + .sideMini{margin-top:10px;}
.sideMiniTitle{font-weight:900;font-size:13px;color:#111;margin-bottom:6px;}
.sideMiniText{font-size:12px;line-height:1.45;color:#333;margin-bottom:10px;}
.sideMiniHint{margin-top:10px;font-size:11px;line-height:1.35;color:#666;}
.sideBtnFull{width:100%;}
.sideMini .introBtn{margin-top:6px;}
.sideMiniActions .introBtn{margin-top:6px;}

/* --- Sidebar FAQ card --- */
.sideFaq{padding:10px 12px;}
.faqToggle{width:100%;}
.faqToggle summary{
  cursor:pointer;
  list-style:none;
  font-weight:900;
  font-size:13px;
  color:#111;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:10px;
}
.faqToggle summary::-webkit-details-marker{display:none;}
.faqToggle summary::after{
  content:"▾";
  font-size:14px;
  line-height:1;
  color:#111;
  opacity:.75;
}
.faqToggle[open] summary::after{content:"▴";}
.faqBody{margin-top:10px;border-top:1px solid rgba(0,0,0,.08);padding-top:10px;}
.faqItem + .faqItem{margin-top:10px;}
.faqQ{font-weight:900;font-size:12px;color:#111;margin-bottom:4px;}
.faqA{font-size:12px;line-height:1.45;color:#333;}


.payment-content{display:flex;flex-direction:column;gap:14px;}

.payCard{display:grid;grid-template-columns:150px 1fr;gap:14px;background:#fff;border-radius:18px;box-shadow:0 12px 40px rgba(0,0,0,.10);border:1px solid rgba(0,0,0,.06);overflow:hidden;}

@media (max-width: 760px){
  .payCard{grid-template-columns:1fr;}
}

.payMedia{
  /* FIX: remove the repeated/cropped "PAYMENT" image strip on the left side */
  background:linear-gradient(135deg,var(--couRed), #000);
  min-height:120px;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:12px;
  text-align:center;
}

.payMedia span{
  color:#fff;
  font-weight:900;
  font-size:13px;
  line-height:1.25;
  text-transform:uppercase;
  letter-spacing:.3px;
}

.payBody{padding:14px 16px 16px;}

.payBody h2{margin:0 0 8px;font-size:16px;font-weight:900;color:#111;}
.payBody h3{margin:10px 0 6px;font-size:13px;font-weight:900;color:#111;}

.payBody p{margin:0 0 10px;color:#222;font-size:13px;line-height:1.55;}
.payBody ul,.payBody ol{margin:0 0 10px;padding-left:18px;color:#222;font-size:13px;line-height:1.55;}
.payBody li{margin:4px 0;}

.payActionLinks{display:flex;flex-wrap:wrap;gap:14px;margin-top:8px;}

.payCta{margin-top:6px;position:relative;}
.payCta img{width:100%;height:auto;display:block;border-radius:18px;box-shadow:0 12px 40px rgba(0,0,0,.10);border:1px solid rgba(0,0,0,.06);}

/* Clickable hotspots for the CTA PNG */
.ctaHotspot{
  position:absolute;
  display:block;
  border-radius:12px;
  /* keep invisible but focusable */
  background:rgba(255,255,255,0);
}
.ctaHotspot:focus{outline:3px solid rgba(255,255,255,.85);outline-offset:3px;}

.ctaApply{left:60%;top:33%;width:36%;height:28%;}
.ctaEmail{left:58%;top:63%;width:40%;height:16%;}

@media (max-width:760px){
  .ctaApply{left:8%;top:55%;width:84%;height:20%;}
  .ctaEmail{left:8%;top:78%;width:84%;height:14%;}
}

/* Button area: "Start Online Application" */
.ctaApply{
  left:61%;
  top:37%;
  width:34%;
  height:26%;
}

/* Email area: "info@cou-edu.university" */
.ctaEmail{
  left:64%;
  top:65%;
  width:33%;
  height:12%;
}

@media (max-width: 760px){
  /* Slightly larger touch targets on small screens */
  .ctaApply{left:58%;width:38%;top:34%;height:28%;}
  .ctaEmail{left:56%;width:42%;top:66%;height:14%;}
}

/* Make redbar "Payment" match active highlight even if links change */
.cou-redbar a.active{background:#000;color:#fff;}


/* ---------------- Payment Center summary cards (between hero and content) ---------------- */
.payment-intro{max-width:1200px;margin:14px auto 0;padding:0 16px;}
.introGrid{display:grid;grid-template-columns:1.2fr .8fr;gap:18px;align-items:stretch;}
@media (max-width: 980px){
  .introGrid{grid-template-columns:1fr;}
}

.introCard{background:#fff;border-radius:18px;box-shadow:0 12px 40px rgba(0,0,0,.10);border:1px solid rgba(0,0,0,.06);padding:18px 18px 16px;}
.introMain{padding:18px 18px 14px;}
.introBadge{display:inline-flex;align-items:center;gap:8px;background:rgba(139,0,0,.08);border:1px solid rgba(139,0,0,.22);color:#8b0000;border-radius:999px;padding:6px 10px;font-weight:800;font-size:12px;line-height:1;}
.introBadge .dot{opacity:.7}

.introTitle{margin:14px 0 8px;font-size:40px;line-height:1.05;color:#111;}
@media (max-width: 560px){
  .introTitle{font-size:32px;}
}
.introText{margin:0 0 14px;color:#2a2a2a;line-height:1.5;font-size:14px;max-width:760px;}

.introActions{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:12px;}
.introBtn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border-radius:12px;padding:10px 14px;font-weight:900;font-size:13px;border:1px solid rgba(0,0,0,.10);color:#111;transition:transform .06s ease, opacity .15s ease, background .15s ease;}
.introBtn:active{transform:translateY(1px);}
.introBtnPrimary{background:#8b0000;border-color:#8b0000;color:#fff;}
.introBtnPrimary:hover{opacity:.92;}
.introBtnSoft{background:rgba(0,0,0,.04);}
.introBtnSoft:hover{background:rgba(0,0,0,.06);}
.introBtnOutline{background:#fff;border-color:#8b0000;color:#8b0000;}
.introBtnOutline:hover{background:rgba(139,0,0,.05);}
.introBtnFull{width:100%;}

.introCrumbs{margin-top:10px;font-size:12px;color:#666;display:flex;gap:8px;flex-wrap:wrap;align-items:center;}
.crumbLink{color:#1c5fb8;text-decoration:underline;text-underline-offset:2px;font-weight:800;}
.crumbSep{color:#9a9a9a;font-weight:800;}
.crumbCurrent{color:#555;font-weight:900;}

.introSideTitle{margin:0 0 8px;font-size:18px;font-weight:900;color:#111;}
.introSideText{margin:0 0 12px;color:#2a2a2a;line-height:1.45;font-size:13px;}
.introSideActions{display:flex;flex-direction:column;gap:10px;margin:10px 0 12px;}

.introMeta{margin-top:10px;padding-top:12px;border-top:1px solid rgba(0,0,0,.08);display:flex;flex-direction:column;gap:8px;font-size:12px;}
.metaRow{display:flex;justify-content:space-between;gap:14px;align-items:flex-start;}
.metaLabel{color:#666;font-weight:900;}
.metaValue{color:#111;font-weight:900;text-align:right;}


/* ---------------- 3-up paragraph cards (below Payment Center cards) ---------------- */
.payment-paragraphCards{max-width:1200px;margin:14px auto 18px;padding:0 16px;}
.paraGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;align-items:stretch;}
@media (max-width: 1050px){
  .paraGrid{grid-template-columns:1fr;}
}

.paraCard{background:#fff;border-radius:18px;border:1px solid rgba(0,0,0,.06);box-shadow:0 12px 40px rgba(0,0,0,.10);padding:16px 16px 14px;min-height:100%;}
.paraHead{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:8px;}
.paraTitle{margin:0;font-size:16px;line-height:1.15;font-weight:1000;color:#111;}
.paraPill{display:inline-flex;align-items:center;justify-content:center;white-space:nowrap;border-radius:999px;padding:5px 10px;font-size:11px;font-weight:900;color:#890505;background:rgba(137,5,5,.08);border:1px solid rgba(137,5,5,.22);}

.paraText{margin:0 0 12px;color:#2a2a2a;line-height:1.55;font-size:13px;}
.paraInset{margin-top:10px;padding:12px;border-radius:14px;background:rgba(0,0,0,.03);border:1px solid rgba(0,0,0,.06);}
.paraInsetTitle{margin:0 0 8px;font-size:12px;font-weight:1000;color:#111;}

.paraTwoCol{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:10px 0 8px;}
@media (max-width: 520px){
  .paraTwoCol{grid-template-columns:1fr;}
}
.paraMini{padding:12px;border-radius:14px;border:1px solid rgba(0,0,0,.06);background:#fff;}
.paraMiniTitle{margin:0 0 6px;font-size:12px;font-weight:1000;color:#111;}
.paraMiniText{margin:0;color:#2a2a2a;line-height:1.5;font-size:12px;}

.paraList{margin:0;padding-left:18px;color:#2a2a2a;line-height:1.5;font-size:12px;}
.paraList li{margin:4px 0;}

.paraNote{margin:8px 0 0;color:#666;line-height:1.5;font-size:12px;}

.paraActions{margin-top:10px;display:flex;justify-content:flex-start;}
.paraLink{color:#1c5fb8;text-decoration:underline;text-underline-offset:2px;font-weight:900;font-size:12px;}