.payback {
  background: linear-gradient(180deg, white 0%, var(--tint-1) 60%, white 100%);
}
.payback-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.payback-intro .section-title { margin-bottom: 24px; }
.payback-intro p {
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.65;
  margin-bottom: 18px;
}
.payback-intro p:last-of-type { margin-bottom: 0; }
.payback-intro p strong { color: var(--navy); font-weight: 700; }
.payback-list {
  display: flex;
  flex-direction: column;
  margin-top: 6px;
}
.payback-item {
  padding: 22px 0;
  border-top: 1px solid var(--gray-200);
}
.payback-item:first-child {
  padding-top: 0;
  border-top: none;
}
.payback-item h3 {
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 800;
  color: var(--jde);
  letter-spacing: -0.2px;
  margin-bottom: 8px;
}
.payback-item p {
  font-size: 14px;
  color: var(--gray-700);
  line-height: 1.6;
}
.payback-footnote {
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-200);
  font-size: 13px;
  color: var(--gray-600);
}
.payback-footnote a {
  color: var(--jde);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
  font-weight: 600;
}
.payback-footnote a:hover { color: var(--jde-dark); }

.payback-whitepaper {
  display: block;
  margin-top: 32px;
  max-width: 280px;
  text-decoration: none;
  transition: transform 0.2s ease;
}
.payback-whitepaper:hover {
  transform: translateY(-2px);
}
.payback-whitepaper svg {
  width: 100%;
  height: auto;
  display: block;
  margin-bottom: 14px;
}
.payback-whitepaper-label {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 700;
  color: var(--jde);
  letter-spacing: 0.2px;
  display: inline-block;
}
.payback-whitepaper:hover .payback-whitepaper-label {
  color: var(--jde-dark);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}



@media (max-width: 900px) {
    .payback-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }