.rate-hero {
  background: linear-gradient(180deg, rgba(247,223,209,.7), rgba(255,250,244,0));
}
.rate-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: clamp(28px, 5vw, 46px);
  display: grid;
  justify-items: start;
}
.rate-label {
  color: var(--ink-soft);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: .78rem;
}
.rate-price {
  font-size: clamp(4rem, 8vw, 6.5rem);
  line-height: .95;
  color: var(--coral);
  margin: 8px 0 4px;
}
.rate-unit { color: var(--ink-soft); font-weight: 700; }
.rate-divider { width: 100%; height: 1px; background: var(--line); margin: 26px 0; }
.deposit-price { font-size: 2.2rem; margin: 6px 0 2px; }
.rate-note { color: var(--ink-soft); font-size: .92rem; }
.insurance-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px;
  margin-top: 34px;
}
.insurance-card {
  min-height: 118px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 20px;
  display: grid;
  place-items: center;
  text-align: center;
  font-weight: 800;
  box-shadow: 0 10px 24px rgba(41,67,74,.05);
}
.verify-box {
  margin-top: 28px;
  padding: 28px;
  background: var(--sage);
  border-radius: var(--radius-md);
}
.verify-box h3 { margin-bottom: 8px; }
.verify-box .check-list { margin-top: 16px; grid-template-columns: 1fr 1fr; gap: 10px 28px; }
.payment-layout {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 48px;
  align-items: center;
}
.payment-pills-large { align-content: start; }
.payment-pills-large .payment-pill { padding: 10px 14px; }
.compact-steps { grid-template-columns: repeat(4, 1fr); }
.cancellation-section { background: #fff; }
.policy-grid {
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  gap: 48px;
  align-items: start;
}
.policy-cards { display: grid; gap: 16px; }
.policy-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 24px;
}
.policy-card.good { background: var(--sage); }
.policy-card.caution { background: var(--peach); }
.policy-card p { margin-bottom: 0; color: var(--ink-soft); }
@media (max-width: 1000px) {
  .insurance-grid { grid-template-columns: repeat(2, 1fr); }
  .compact-steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .payment-layout, .policy-grid { grid-template-columns: 1fr; }
  .verify-box .check-list { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .insurance-grid, .compact-steps { grid-template-columns: 1fr; }
}