.biz-hero{
  padding: 84px 0 60px;
  background: var(--mist);
  border-bottom: 1px solid var(--mist-line);
  text-align:center;
}
.biz-hero h1{
  font-size: clamp(32px, 4.4vw, 50px);
  color: var(--green-dark);
  margin-top:14px;
  max-width: 780px;
  margin-left:auto; margin-right:auto;
}
.biz-hero p{
  font-size:17px; color: var(--ink-soft); max-width:560px;
  margin: 18px auto 0;
}
.biz-hero .eyebrow{ justify-content:center; }
.biz-hero .btn{ margin-top: 28px; }

.flow{
  display:grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 18px;
  margin-top: 48px;
}
.flow-step{
  background: var(--white);
  border: 1px solid var(--mist-line);
  border-radius: var(--radius-m);
  padding: 22px 18px;
  position:relative;
}
.flow-step .num{
  font-family: var(--font-mono); font-size:12px; color: var(--green);
  font-weight:700; margin-bottom:12px;
}
.flow-step h4{ font-size:15px; margin-bottom:8px; }
.flow-step p{ font-size:13px; color: var(--ink-soft); line-height:1.5; }
.flow-arrow{
  display:none;
}
@media (min-width: 861px){
  .flow-step:not(:last-child)::after{
    content:"";
    position:absolute; right:-14px; top:50%; transform: translateY(-50%);
    width: 10px; height:10px; border-top:2px solid var(--mist-line); border-right:2px solid var(--mist-line);
    rotate: 45deg;
  }
}
@media (max-width: 860px){
  .flow{ grid-template-columns: 1fr; }
}

.dispute-note{
  margin-top: 28px;
  display:flex; gap:14px; align-items:flex-start;
  background: var(--mist);
  border-radius: var(--radius-m);
  padding: 20px 22px;
}
.dispute-note .ic{
  width:38px; height:38px; border-radius:10px; background:#fff; color: var(--green-dark);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.dispute-note p{ font-size:14.5px; color: var(--ink-soft); margin:0; }
.dispute-note strong{ color: var(--ink); }

.split{
  display:grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 48px;
}
.split-card{
  border: 1px solid var(--mist-line); border-radius: var(--radius-l);
  padding: 30px; background: var(--white);
}
.split-card.gold{ border-color: rgba(232,169,75,.5); background: linear-gradient(180deg, rgba(232,169,75,.06), transparent 40%); }
.split-card .ic{
  width:46px; height:46px; border-radius:12px; background: var(--mist);
  display:flex; align-items:center; justify-content:center; color: var(--green); margin-bottom:18px;
}
.split-card.gold .ic{ background: rgba(232,169,75,.16); color: var(--gold-dark); }
.split-card h4{ font-size:19px; margin-bottom:10px; }
.split-card p{ font-size:14.5px; color: var(--ink-soft); }
.split-card .paid-flag{
  display:inline-flex; margin-top:14px;
  font-family: var(--font-mono); font-size:10.5px; letter-spacing:.06em;
  color: var(--green-dark); background: var(--gold);
  padding:3px 8px; border-radius:6px; font-weight:700; text-transform:uppercase;
}
@media (max-width: 780px){ .split{ grid-template-columns:1fr; } }

.cta-band{
  background: var(--green-dark); color:#fff; text-align:center;
  padding: 80px 0; border-radius: var(--radius-l);
  margin: 0 24px;
}
.cta-band h2{ color:#fff; font-size: clamp(24px,3vw,34px); }
.cta-band p{ color: rgba(255,255,255,.68); max-width:480px; margin: 14px auto 0; }
.cta-band .btn{ margin-top:26px; }