.hero-pay{padding: 88px 0 56px; position: relative; overflow: hidden;}
  .hero-pay::before{content:""; position:absolute; right:-180px; top:-140px; width: 540px; height: 540px;
    background: radial-gradient(circle, color-mix(in oklab, var(--accent) 14%, transparent), transparent 60%);
    filter: blur(40px); pointer-events: none;}
  .hero-pay > *{position: relative; z-index: 1;}
  .hero-grid{display:grid; grid-template-columns: 1.05fr 0.95fr; gap: 64px; align-items: center;}

  .flow-mock{background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 28px; box-shadow: 0 30px 80px -50px oklch(0.17 0.04 330 / 0.4);}
  html[data-theme="dark"] .flow-mock{background: var(--bg-warm);}
  .flow-step{display: grid; grid-template-columns: 32px 1fr; gap: 16px; padding: 18px 0; border-bottom: 1px dashed var(--line);}
  .flow-step:last-child{border-bottom: none;}
  .flow-step .n{width: 32px; height: 32px; border-radius: 50%; background: var(--accent); color: #fff; display: flex; align-items: center; justify-content: center; font-family:'JetBrains Mono', monospace; font-size: 13px; font-weight: 400;}
  .flow-step h5{margin: 0 0 4px; font-family:'Instrument Serif', serif; font-weight: 400; font-size: 20px;}
  .flow-step p{margin: 0; font-size: 13.5px; color: var(--ink-2);}
  .flow-step .time{font-family:'JetBrains Mono', monospace; font-size: 10px; color: var(--ink-3); letter-spacing: 0.08em; display: block; margin-top: 6px;}

  .savings-grid{display:grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 56px;}
  .saving{background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 32px; text-align: center;}
  html[data-theme="dark"] .saving{background: var(--bg-warm);}
  .saving .v{font-family:'Instrument Serif', serif; font-size: 56px; line-height: 1; letter-spacing: -0.025em; color: var(--accent);}
  .saving .v em{font-style: italic;}
  .saving h4{font-family:'Instrument Serif', serif; font-weight: 400; font-size: 22px; margin: 14px 0 8px;}
  .saving p{font-size: 13.5px; color: var(--ink-2); margin: 0;}

  .trust-grid{display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-top: 40px;}
  .trust-card{background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 28px;}
  html[data-theme="dark"] .trust-card{background: var(--bg-warm);}
  .trust-card .ic{font-family:'Instrument Serif', serif; font-size: 28px; color: var(--accent); line-height: 1;}
  .trust-card h5{font-family:'Instrument Serif', serif; font-weight: 400; font-size: 22px; margin: 14px 0 8px;}
  .trust-card p{font-size: 13.5px; color: var(--ink-2); margin: 0;}

  @media(max-width:960px){.hero-grid, .savings-grid, .trust-grid{grid-template-columns:1fr;}}