html, body { overflow-x: hidden; max-width: 100vw; }

  :root {
    --payments-gap-section: clamp(2rem, 5vw, 4rem);
  }

  .payments-hero {
    background: var(--color-gradient-hero);
    border-radius: var(--radius-xl);
    padding: clamp(2rem, 5vw, 3.5rem) clamp(1.5rem, 4vw, 3rem);
    margin-bottom: var(--payments-gap-section);
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-xl);
  }

  .payments-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 80% 50%, var(--color-glow-primary) 0%, transparent 65%);
    pointer-events: none;
  }

  .payments-hero__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-sm);
    background: var(--color-surface-glass);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: var(--radius-full);
    padding: var(--spacing-xs) var(--spacing-md);
    font-family: var(--font-primary);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--color-accent-gold);
    margin-bottom: var(--spacing-lg);
  }

  .payments-hero__dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--color-accent-gold);
    box-shadow: 0 0 8px var(--color-glow-gold);
    animation: payments-pulse 2s ease-in-out infinite;
  }

  @keyframes payments-pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.4); }
  }

  .payments-hero__title {
    font-family: var(--font-display);
    font-size: clamp(1.75rem, 4vw, 3rem);
    font-weight: 800;
    color: var(--color-neutral-0);
    line-height: 1.15;
    margin: 0 0 var(--spacing-md);
    position: relative;
    z-index: 1;
  }

  .payments-hero__title span {
    background: var(--color-gradient-gold);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
  }

  .payments-hero__desc {
    font-family: var(--font-primary);
    font-size: clamp(0.95rem, 2vw, 1.1rem);
    color: var(--color-neutral-300);
    max-width: 620px;
    line-height: 1.7;
    margin: 0 0 var(--spacing-xl);
    position: relative;
    z-index: 1;
  }

  .payments-hero__badges {
    display: flex;
    flex-wrap: wrap;
    gap: var(--spacing-sm);
    position: relative;
    z-index: 1;
  }

  .payments-hero__badge {
    display: flex;
    align-items: center;
    gap: 6px;
    background: var(--color-surface-glass);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-md);
    padding: var(--spacing-xs) var(--spacing-sm);
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--color-neutral-200);
    backdrop-filter: blur(8px);
  }

  .payments-hero__badge-icon {
    font-size: 1rem;
  }

  /* ── METHOD PILLS ── */
  .payments-methods {
    margin-bottom: var(--payments-gap-section);
  }

  .payments-methods__label {
    font-family: var(--font-primary);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--color-neutral-500);
    margin-bottom: var(--spacing-md);
  }

  .payments-methods__grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
    gap: var(--spacing-md);
  }

  .payments-method-card {
    background: var(--color-surface-card);
    border: 1px solid rgba(255,255,255,0.07);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg) var(--spacing-md);
    text-align: center;
    transition: var(--transition-smooth);
    cursor: default;
    box-shadow: var(--shadow-md);
  }

  .payments-method-card:hover {
    transform: translateY(-4px);
    border-color: rgba(255,255,255,0.18);
    box-shadow: var(--shadow-xl), var(--shadow-glow-primary);
  }

  .payments-method-card__icon {
    font-size: 1.8rem;
    margin-bottom: var(--spacing-sm);
    display: block;
  }

  .payments-method-card__name {
    font-family: var(--font-primary);
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--color-neutral-100);
    display: block;
    margin-bottom: 4px;
  }

  .payments-method-card__speed {
    font-size: 0.72rem;
    color: var(--color-accent-emerald);
    font-weight: 600;
  }

  /* ── SECTION HEADER ── */
  .payments-section-header {
    margin-bottom: var(--spacing-xl);
  }

  .payments-section-header__title {
    font-family: var(--font-display);
    font-size: clamp(1.3rem, 3vw, 1.9rem);
    font-weight: 700;
    color: var(--color-neutral-0);
    margin: 0 0 var(--spacing-sm);
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
  }

  .payments-section-header__accent {
    display: inline-block;
    width: 4px;
    height: 1.2em;
    background: var(--color-gradient-primary);
    border-radius: var(--radius-sm);
    flex-shrink: 0;
  }

  .payments-section-header__sub {
    font-size: 0.95rem;
    color: var(--color-neutral-400);
    line-height: 1.6;
    max-width: 560px;
    margin: 0;
  }

  /* ── TABLES ── */
  .payments-section {
    margin-bottom: var(--payments-gap-section);
  }

  .payments-table-wrapper {
    overflow-x: auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    -webkit-overflow-scrolling: touch;
  }

  .payments-table {
    width: 100%;
    border-collapse: collapse;
    font-family: var(--font-primary);
    background: var(--color-surface-card);
    min-width: 520px;
  }

  .payments-table thead tr {
    background: linear-gradient(90deg, var(--color-brand-primary), var(--color-brand-secondary));
  }

  .payments-table thead th {
    padding: var(--spacing-md) var(--spacing-lg);
    text-align: left;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--color-neutral-0);
    white-space: nowrap;
  }

  .payments-table tbody tr {
    border-bottom: 1px solid rgba(255,255,255,0.05);
    transition: background var(--transition-fast);
  }

  .payments-table tbody tr:last-child { border-bottom: none; }

  .payments-table tbody tr:hover {
    background: rgba(255,255,255,0.04);
  }

  .payments-table tbody td {
    padding: var(--spacing-md) var(--spacing-lg);
    font-size: 0.9rem;
    color: var(--color-neutral-200);
    vertical-align: middle;
  }

  .payments-table__method-name {
    font-weight: 600;
    color: var(--color-neutral-0);
  }

  .payments-table__badge--fast {
    display: inline-block;
    background: rgba(52, 211, 153, 0.12);
    color: var(--color-accent-emerald);
    border: 1px solid rgba(52, 211, 153, 0.3);
    border-radius: var(--radius-full);
    padding: 2px 8px;
    font-size: 0.72rem;
    font-weight: 700;
    margin-left: 6px;
  }

  .payments-table__badge--na {
    color: var(--color-neutral-600);
    font-style: italic;
  }

  /* ── FEES HIGHLIGHT BOXES ── */
  .payments-fees {
    margin-bottom: var(--payments-gap-section);
  }

  .payments-fees__grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: var(--spacing-md);
  }

  .payments-fee-box {
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    border: 1px solid rgba(255,255,255,0.08);
    box-shadow: var(--shadow-md);
    transition: var(--transition-smooth);
  }

  .payments-fee-box:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-xl);
  }

  .payments-fee-box--free {
    background: linear-gradient(135deg, rgba(52, 211, 153, 0.08), rgba(52, 211, 153, 0.02));
    border-color: rgba(52, 211, 153, 0.2);
  }

  .payments-fee-box--warn {
    background: linear-gradient(135deg, rgba(251, 191, 36, 0.08), rgba(251, 191, 36, 0.02));
    border-color: rgba(251, 191, 36, 0.2);
  }

  .payments-fee-box--info {
    background: linear-gradient(135deg, rgba(99, 179, 237, 0.08), rgba(99, 179, 237, 0.02));
    border-color: rgba(99, 179, 237, 0.2);
  }

  .payments-fee-box__icon {
    font-size: 1.6rem;
    margin-bottom: var(--spacing-sm);
    display: block;
  }

  .payments-fee-box__title {
    font-family: var(--font-primary);
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--color-neutral-100);
    margin: 0 0 var(--spacing-xs);
  }

  .payments-fee-box__desc {
    font-size: 0.84rem;
    color: var(--color-neutral-400);
    line-height: 1.55;
    margin: 0;
  }

  /* ── CRYPTO ── */
  .payments-crypto {
    margin-bottom: var(--payments-gap-section);
    background: var(--color-surface-card);
    border-radius: var(--radius-xl);
    padding: clamp(1.5rem, 4vw, 2.5rem);
    border: 1px solid rgba(255,255,255,0.07);
    box-shadow: var(--shadow-lg);
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
    align-items: center;
  }

  @media (max-width: 640px) {
    .payments-crypto { grid-template-columns: 1fr; }
  }

  .payments-crypto__content {}

  .payments-crypto__title {
    font-family: var(--font-display);
    font-size: clamp(1.2rem, 2.5vw, 1.6rem);
    font-weight: 700;
    color: var(--color-neutral-0);
    margin: 0 0 var(--spacing-sm);
  }

  .payments-crypto__desc {
    font-size: 0.92rem;
    color: var(--color-neutral-400);
    line-height: 1.65;
    margin: 0 0 var(--spacing-lg);
  }

  .payments-crypto__coins {
    display: flex;
    gap: var(--spacing-sm);
    flex-wrap: wrap;
  }

  .payments-crypto__coin {
    display: flex;
    align-items: center;
    gap: 6px;
    background: var(--color-surface-glass);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-md);
    padding: var(--spacing-xs) var(--spacing-md);
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--color-neutral-100);
    backdrop-filter: blur(6px);
  }

  .payments-crypto__visual {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
  }

  .payments-crypto__stat {
    background: linear-gradient(135deg, rgba(255,255,255,0.05), rgba(255,255,255,0.02));
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: var(--radius-md);
    padding: var(--spacing-md) var(--spacing-lg);
    display: flex;
    align-items: center;
    justify-content: space-between;
  }

  .payments-crypto__stat-label {
    font-size: 0.8rem;
    color: var(--color-neutral-500);
    font-weight: 600;
  }

  .payments-crypto__stat-value {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--color-accent-gold);
  }

  /* ── RESPONSIBLE ── */
  .payments-responsible {
    margin-bottom: var(--payments-gap-section);
    background: linear-gradient(135deg, rgba(99, 179, 237, 0.06), rgba(99, 179, 237, 0.02));
    border: 1px solid rgba(99, 179, 237, 0.15);
    border-radius: var(--radius-xl);
    padding: clamp(1.5rem, 4vw, 2.5rem);
    display: flex;
    gap: var(--spacing-xl);
    align-items: flex-start;
  }

  @media (max-width: 640px) {
    .payments-responsible { flex-direction: column; }
  }

  .payments-responsible__icon-wrap {
    flex-shrink: 0;
    width: 56px;
    height: 56px;
    background: rgba(99, 179, 237, 0.12);
    border: 1px solid rgba(99, 179, 237, 0.25);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
  }

  .payments-responsible__title {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--color-neutral-0);
    margin: 0 0 var(--spacing-xs);
  }

  .payments-responsible__desc {
    font-size: 0.9rem;
    color: var(--color-neutral-400);
    line-height: 1.6;
    margin: 0;
  }

  /* ── FAQ ACCORDION ── */
  .payments-faq {
    margin-bottom: var(--payments-gap-section);
  }

  .payments-faq__list {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
  }

  .payments-faq__item {
    background: var(--color-surface-card);
    border: 1px solid rgba(255,255,255,0.07);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: box-shadow var(--transition-smooth);
  }

  .payments-faq__item:hover {
    box-shadow: var(--shadow-md);
  }

  .payments-faq__question {
    width: 100%;
    background: none;
    border: none;
    padding: var(--spacing-lg) var(--spacing-xl);
    text-align: left;
    font-family: var(--font-primary);
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--color-neutral-100);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--spacing-md);
    transition: color var(--transition-fast);
  }

  .payments-faq__question:hover { color: var(--color-neutral-0); }

  .payments-faq__chevron {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: rgba(255,255,255,0.07);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.65rem;
    transition: transform var(--transition-smooth), background var(--transition-smooth);
  }

  .payments-faq__item.open .payments-faq__chevron {
    transform: rotate(180deg);
    background: var(--color-brand-primary);
  }

  .payments-faq__answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-smooth);
  }

  .payments-faq__item.open .payments-faq__answer {
    max-height: 300px;
  }

  .payments-faq__answer-inner {
    padding: 0 var(--spacing-xl) var(--spacing-lg);
    font-size: 0.9rem;
    color: var(--color-neutral-400);
    line-height: 1.7;
    border-top: 1px solid rgba(255,255,255,0.05);
    padding-top: var(--spacing-md);
    margin: 0 var(--spacing-xl);
    margin-top: 0;
  }

  /* ── CTA BANNER ── */
  .payments-cta {
    background: var(--color-gradient-primary);
    border-radius: var(--radius-xl);
    padding: clamp(2rem, 5vw, 3rem) clamp(1.5rem, 4vw, 3rem);
    text-align: center;
    box-shadow: var(--shadow-glow-primary);
    position: relative;
    overflow: hidden;
  }

  .payments-cta::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='20'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    pointer-events: none;
  }

  .payments-cta__title {
    font-family: var(--font-display);
    font-size: clamp(1.3rem, 3vw, 2rem);
    font-weight: 800;
    color: var(--color-neutral-0);
    margin: 0 0 var(--spacing-sm);
    position: relative;
    z-index: 1;
  }

  .payments-cta__sub {
    font-size: 0.95rem;
    color: rgba(255,255,255,0.75);
    margin: 0 0 var(--spacing-xl);
    position: relative;
    z-index: 1;
  }

  .payments-cta__btn {
    position: relative;
    z-index: 1;
    display: inline-block;
    background: var(--color-gradient-gold);
    color: var(--color-neutral-900);
    font-family: var(--font-primary);
    font-size: 1rem;
    font-weight: 800;
    text-decoration: none;
    padding: var(--spacing-md) var(--spacing-2xl);
    border-radius: var(--radius-full);
    box-shadow: var(--shadow-glow-gold);
    transition: var(--transition-bounce);
    letter-spacing: 0.03em;
  }

  .payments-cta__btn:hover {
    transform: translateY(-3px) scale(1.03);
    box-shadow: var(--shadow-xl), var(--shadow-glow-gold);
  }

  /* ── ANIMATE ON SCROLL ── */
  .animateOnScroll {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.5s ease, transform 0.5s ease;
  }
  .animateOnScroll.visible {
    opacity: 1;
    transform: translateY(0);
  }

  @media (max-width: 768px) {
    .payments-methods__grid { grid-template-columns: repeat(auto-fill, minmax(120px, 1fr)); }
    .payments-fees__grid { grid-template-columns: 1fr; }
    .payments-table thead th,
    .payments-table tbody td { padding: var(--spacing-sm) var(--spacing-md); font-size: 0.82rem; }
  }