:root{
  --red:#c11718; --orange:#f18800; --orange-dark:#d96d00; --ink:#1d1d1f; --text:#2e2a26; --muted:#6b645c;
  --bg:#ffffff; --soft:#fbf6ef; --line:#eee5d8; --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--orange-dark);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* Header */
header{position:sticky;top:0;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);z-index:10;backdrop-filter:blur(6px)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px;gap:16px}
.logo img{height:34px;width:auto}
.menu{display:flex;gap:22px;align-items:center;font-size:15px}
.menu a{color:var(--ink);font-weight:500}
.lang{display:flex;gap:2px;font-size:13px;font-weight:700;flex:none}
.lang a{color:var(--muted);padding:5px 7px;border-radius:6px;line-height:1}
.lang a:hover{text-decoration:none;color:var(--ink);background:var(--soft)}
.lang a.on{background:var(--ink);color:#fff}
.btn{display:inline-block;background:var(--orange-dark);color:#fff!important;padding:11px 20px;border-radius:999px;font-weight:600;font-size:15px}
.btn:hover{text-decoration:none;filter:brightness(.92)}
.btn.ghost{background:transparent;color:var(--ink)!important;border:1.5px solid var(--ink)}

/* Hero */
.hero{background:radial-gradient(circle at 78% 45%,#ffb347 0%,var(--orange) 55%);color:var(--ink);padding:72px 0 64px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:center}
.hero .eyebrow{display:inline-block;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;color:var(--ink);opacity:.75;font-weight:700;margin-bottom:18px}
.hero h1{font-size:clamp(32px,4.6vw,52px);line-height:1.1;letter-spacing:-1px;margin-bottom:22px}
.hero p{font-size:19px;color:#3b2a14;max-width:560px;margin-bottom:34px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}
.hero .btn{background:var(--ink)}
.hero .btn.ghost{background:transparent;color:var(--ink)!important;border-color:var(--ink)}
.hero-img{filter:drop-shadow(0 30px 40px rgba(80,40,0,.35))}

/* Sections */
section{padding:84px 0}
section.soft{background:var(--soft)}
.kicker{color:var(--orange-dark);font-weight:700;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:10px}
h2{font-size:clamp(26px,3.4vw,38px);color:var(--ink);letter-spacing:-.5px;line-height:1.2;margin-bottom:14px}
.lead{color:var(--muted);max-width:680px;margin-bottom:44px}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.card h3{color:var(--ink);font-size:20px;margin-bottom:8px}
.card p{color:var(--muted);font-size:16px}
.icon{width:46px;height:46px;border-radius:12px;background:#fff1de;color:var(--orange-dark);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.icon svg{width:24px;height:24px}
ul.check{list-style:none;margin-top:14px}
ul.check li{padding-left:26px;position:relative;font-size:15.5px;margin-bottom:7px;color:var(--text)}
ul.check li::before{content:"";position:absolute;left:4px;top:8px;width:10px;height:6px;border-left:2.5px solid var(--orange);border-bottom:2.5px solid var(--orange);transform:rotate(-45deg)}

/* Product cards */
.product .shot{height:260px;display:flex;align-items:center;justify-content:center;background:linear-gradient(180deg,#fff7ec,#fff);border-radius:10px;margin:-10px -10px 22px}
.product .shot img{max-height:230px;width:auto}

/* Photo cards (markets) */
.photo-card{padding:0;overflow:hidden}
.photo-card img{width:100%;aspect-ratio:4/3;object-fit:cover}
.photo-card .txt{padding:24px 28px 28px}

/* Why smarpay rows */
.why{display:grid;gap:64px}
.why-row{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.why-row:nth-child(even) .why-img{order:2}
.why-img img{width:100%;border-radius:18px;aspect-ratio:4/3;object-fit:cover;box-shadow:0 20px 40px rgba(80,40,0,.12)}
.why-row h3{font-size:clamp(22px,2.6vw,30px);color:var(--ink);line-height:1.2;margin-bottom:14px;letter-spacing:-.3px}
.why-row p{color:var(--muted);margin-bottom:22px;max-width:480px}
.why-num{display:inline-block;color:var(--orange-dark);font-weight:800;font-size:14px;letter-spacing:1px;margin-bottom:10px}

/* TWINT eye-catcher */
.pic,.product .shot{position:relative}
.twint-badge{position:absolute;top:14px;right:14px;width:46px!important;height:auto!important;max-height:none!important;aspect-ratio:auto!important;border-radius:8px;box-shadow:0 6px 16px rgba(0,0,0,.28)}
.twint-line{display:flex;gap:14px;align-items:center}
.twint-line img{width:33px;height:auto;border-radius:5px}

/* Payment method chips */
.pm-label{margin-top:20px;padding-top:16px;border-top:1px solid var(--line);font-size:12px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:var(--muted)}
ul.chips{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}
ul.chips li{background:#fff1de;color:#7a3e00;border:1px solid #f7d3a3;border-radius:999px;padding:3px 10px;font-size:13px;font-weight:600}

/* Split layout */
.split{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:center}
.split.rev{grid-template-columns:1.2fr 1fr}
.stack{display:grid;gap:14px}
.stack .card{padding:22px 26px}
.pay-logos{margin-top:22px;max-width:260px}

/* Partners */
.partners{display:grid;grid-template-columns:repeat(9,1fr);gap:14px}
.partners a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px;display:flex;align-items:center;justify-content:center;transition:transform .15s}
.partners a:hover{transform:translateY(-2px)}
.partners img{width:100%;max-width:110px}

/* Contact */
.contact-box{background:var(--orange);color:var(--ink);border-radius:20px;padding:48px;display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
.contact-box h2{color:var(--ink)}
.contact-box p{color:#3b2a14}
.contact-box .btn{background:var(--ink)}
.contact-list{list-style:none}
.contact-list li{margin-bottom:14px}
.contact-list a{color:var(--ink);font-weight:700}
.contact-list small{display:block;color:#5a3a10;font-size:13px;text-transform:uppercase;letter-spacing:1px}
.office{padding:0;overflow:hidden}
.office img{width:100%;aspect-ratio:16/9;object-fit:cover}
.office .txt{padding:24px 28px}
.office h3{margin-bottom:6px}

/* Footer */
footer{background:var(--ink);color:#b5ada4;padding:40px 0;font-size:14.5px}
.foot{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px}
.foot img{height:26px;width:auto;margin-bottom:8px}
footer a{color:#fff}
.foot-links{display:flex;gap:20px;flex-wrap:wrap}

/* Legal pages */
.legal{padding:64px 20px 80px;max-width:780px}
.legal h1{color:var(--ink);font-size:38px;margin-bottom:28px}
.legal h2{font-size:21px;margin:30px 0 8px}
.legal p{margin-bottom:12px}

@media (max-width:960px){
  .partners{grid-template-columns:repeat(5,1fr)}
}
@media (max-width:860px){
  .g3,.g2,.hero-grid,.split,.split.rev,.why-row{grid-template-columns:1fr}
  .why-row{gap:24px}
  .why-row:nth-child(even) .why-img{order:0}
  .why{gap:48px}
  .menu a:not(.btn){display:none}
  .contact-box{grid-template-columns:1fr;padding:32px}
  section{padding:60px 0}
  .hero{padding:52px 0 44px}
  .hero-img{max-width:420px;margin:0 auto}
  .partners{grid-template-columns:repeat(3,1fr)}
  .logo img{height:24px}
  .nav{gap:10px}
  .menu .btn{display:none}
  .hero-grid,.g3,.g2,.split,.split.rev,.why-row{grid-template-columns:minmax(0,1fr)}
  .hero-img{width:100%}
  .btn{white-space:normal;text-align:center}
  .lang a{padding:5px 5px;font-size:12px}
}