.pay-hero:after {
    content: "";
    position: absolute;
    inset: -80px;
    background: radial-gradient(circle at 25% 25%, rgba(222,169,46,.25), transparent 55%), radial-gradient(circle at 70% 45%, rgba(13,110,253,.20), transparent 60%);
    filter: blur(18px);
    pointer-events: none;
}

.pay-hero .inner {
    position: relative;
    z-index: 2;
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 10px 14px;
    border-radius: 999px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.18);
    backdrop-filter: blur(10px);
    font-size: .95rem;
}

.card-modern {
    border: 1px solid rgba(15,23,42,.08);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    background: #fff;
    overflow: hidden;
}

.icon-bubble {
    width: 46px;
    height: 46px;
    border-radius: 14px;
    display: grid;
    place-items: center;
    background: rgba(4,60,104,.10);
    border: 1px solid rgba(4,60,104,.14);
    color: var(--brand);
    flex: 0 0 auto;
}

.muted {
    color: var(--muted);
}

.kpi {
    border-radius: 16px;
    padding: 12px 14px;
    background: rgba(4,60,104,.06);
    border: 1px solid rgba(4,60,104,.10);
}

    .kpi .k {
        font-weight: 900;
        color: var(--ink);
    }

    .kpi .v {
        color: var(--muted);
        margin-top: 4px;
    }

.btn-busy {
    pointer-events: none;
    opacity: .85;
}

.spinner-sm {
    width: 16px;
    height: 16px;
    border: 2px solid rgba(255,255,255,.55);
    border-top-color: rgba(255,255,255,1);
    border-radius: 50%;
    display: inline-block;
    animation: spin .8s linear infinite;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}