:root {
  --bg:#0f5e76;
  --bg-2:#0a4a5d;
  --text:#1a2b34;
  --muted:#6b7f89;
  --brand:#1d6f86;
  --accent:#0e819b;
  --paper:#ffffff;
  --card:#f6fbfd;
  --radius:16px;
  --shadow:0 8px 24px rgba(0,0,0,.08);
}

/* ================== HERO ================== */
.hero {
  padding:64px 0 12px;
}
.hero h2 {
  font:700 40px 'Lora', serif;
  letter-spacing:.3px;
  color:#2b6e84;
  text-align:center;
  margin:0 0 18px;
}
.cta-wrap {
  display:flex;
  justify-content:center;
}
.btn {
  background:var(--accent);
  color:#fff;
  border:none;
  border-radius:999px;
  padding:12px 20px;
  font-weight:700;
  cursor:pointer;
  text-decoration:none;
  display:inline-flex;
  align-items:center;
  gap:8px;
  box-shadow:var(--shadow);
}
.btn:hover {
  filter:brightness(.95);
}

/* ===== Fees + Bank + QR Panel ===== */
.panel {
  background: var(--bg);     /* unified with theme */
  color:#f2faff;
  padding:32px 0 28px;
  margin:28px 0;
}
.grid {
  display:grid;
  grid-template-columns: 1fr 1fr 0.5fr;
  gap:32px;
  align-items:flex-start;
}
.grid h3 {
  margin:0 0 12px;
  font:700 20px 'Lora', serif;
  color:#fff;
}

/* Fees list */
ul.clean {
  list-style:square;
  padding-left:20px;
  margin:0;
}
ul.clean li {
  margin:8px 0;
  line-height:1.6;
}
ul.clean li::marker {
  color:#fff;
}
.panel strong {
  color:#ffd84d;
  font-weight:800;
}
.panel a.discount {
  color:#d8f5ff;
  font-weight:700;
  text-decoration:underline;
}

/* Bank details */
.bank dl { margin:0 0 12px; }
.bank dt { font-weight:700; color:#fff; }
.bank dd { margin:0; color:#f2faff; font-size:15px; }

/* QR column */
.qr {
  display:flex;
  justify-content:flex-start;
}
.qr img {
  width:200px;
  max-width:100%;
  border-radius:12px;
  background:#fff;
  padding:8px;
  box-shadow:var(--shadow);
  margin-top:10px;
}
.note {
  display:block;
  margin-top:4px;
  font-size:0.9em;
  color:#c9f3ff;
  font-style:italic;
  line-height:1.6;
}

/* Ribbon below panel */
.ribbon {
  color:#ffd84d;
  text-align:center;
  padding:10px;
  font-style:italic;
  font-weight:700;
  margin-top:-4px;
  line-height:1.5;
}

/* Responsive for panel */
@media(max-width:1100px){
  .grid { grid-template-columns:1fr 1fr; }
  .qr { justify-content:center; }
}
@media(max-width:700px){
  .grid { grid-template-columns:1fr; gap:20px; }
  .qr img { margin-inline:auto; }
}

/* ================== SERVICE CARDS ================== */
.cards {
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:24px;
  margin-top:32px;
}
.card {
  background:var(--card);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  overflow:hidden;
  display:flex;
  flex-direction:column;
  transition:transform 0.2s ease, box-shadow 0.2s ease;
}
.card:hover {
  transform:translateY(-4px);
  box-shadow:0 12px 28px rgba(0,0,0,.12);
}
.card img {
  height:200px;
  object-fit:cover;
  width:100%;
}
.card .body {
  padding:16px;
  flex-grow:1;
}
.card h3 {
  margin:0 0 8px;
  font-size:18px;
  font-weight:700;
  color:var(--brand);
}
.card p {
  color:#4d6570;
  line-height:1.5;
  font-size:15px;
  margin:0 0 16px;
}
.card .actions {
  padding:0 16px 16px;
}
.card .btn {
  width:100%;
  justify-content:center;
  background:var(--accent);
}

/* Responsive grid */
@media(max-width:1000px){
  .cards { grid-template-columns:1fr 1fr; }
}
@media(max-width:700px){
  .cards { grid-template-columns:1fr; }
}