* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  background: #0a0a0a;
  color: #e0e0e0;
  line-height: 1.6;
}

a { color: #f59e0b; text-decoration: none; }
a:hover { text-decoration: underline; }

.topbar {
  background: #0d0d14;
  border-bottom: 1px solid #1a1a2e;
  position: sticky;
  top: 0;
  z-index: 10;
}

.topbar-inner {
  max-width: 1080px;
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  font-size: 24px;
  font-weight: 800;
  background: linear-gradient(135deg, #f59e0b, #ef4444);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  letter-spacing: -0.5px;
}

.nav { display: flex; gap: 6px; }
.nav a {
  color: #ccc;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
}
.nav a:hover { background: #1a1a2e; color: #fff; text-decoration: none; }
.nav a.btn-gold {
  background: linear-gradient(135deg, #f59e0b, #ef4444);
  color: #fff;
}
.nav a.btn-gold:hover { box-shadow: 0 4px 15px rgba(245,158,11,.3); }

.hero {
  text-align: center;
  padding: 80px 24px 60px;
  background: radial-gradient(circle at 30% 20%, #1e1b2e 0%, #0a0a0a 70%);
}

.hero h1 {
  font-size: clamp(32px, 6vw, 54px);
  font-weight: 800;
  letter-spacing: -1px;
  margin-bottom: 16px;
}

.hero h1 .grad {
  background: linear-gradient(135deg, #f59e0b, #ef4444);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero p {
  max-width: 640px;
  margin: 0 auto 28px;
  color: #a0a0b0;
  font-size: 18px;
}

.cta-row { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

.cta {
  padding: 14px 26px;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 700;
}
.cta.primary { background: linear-gradient(135deg,#f59e0b,#ef4444); color:#fff; }
.cta.primary:hover { box-shadow:0 8px 25px rgba(245,158,11,.35); text-decoration:none; }
.cta.secondary { background:#1a1a2e; color:#e0e0e0; border:1px solid #2a2a4a; }
.cta.secondary:hover { background:#24243c; text-decoration:none; }

.flow {
  max-width: 900px;
  margin: 40px auto 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 0 24px;
}

.flow-step {
  background: #14141f;
  border: 1px solid #1f1f33;
  border-radius: 12px;
  padding: 16px 20px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.flow-num {
  flex: 0 0 32px;
  height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, #f59e0b, #ef4444);
  color: #fff;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
}

.flow-step h4 { color: #f59e0b; font-size: 15px; margin-bottom: 2px; }
.flow-step p { color: #999; font-size: 14px; }

.section { max-width: 1080px; margin: 40px auto; padding: 0 24px; }
.section h2 { text-align: center; font-size: 28px; margin-bottom: 6px; }
.section > .sub { text-align: center; color: #888; margin-bottom: 32px; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }

.roleguide {
  background: #1a1a2e;
  border: 1px solid #2a2a4a;
  border-radius: 14px;
  padding: 26px;
}

.roleguide .tag {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 12px;
}
.tag.bank { background: rgba(245,158,11,.15); color:#f59e0b; }
.tag.vendor { background: rgba(34,197,94,.15); color:#22c55e; }
.tag.card { background: rgba(99,102,241,.15); color:#818cf8; }

.roleguide h3 { font-size: 18px; margin-bottom: 8px; }
.roleguide p { color: #aaa; font-size: 14px; margin-bottom: 16px; }
.roleguide ul { list-style: none; color: #bbb; font-size: 14px; }
.roleguide li { padding: 6px 0 6px 22px; position: relative; }
.roleguide li::before { content: ''; position: absolute; left: 4px; top: 14px; width: 6px; height: 6px; border-radius: 50%; background: #f59e0b; }
.roleguide .go { display: inline-block; margin-top: 14px; font-weight: 700; }

.docs { background:#14141f; border:1px solid #1f1f33; border-radius:14px; padding:26px; }
.docs h3 { color:#f59e0b; font-size:16px; margin-bottom:14px; }
.endpoint { background:#0d0d1a; border-radius:8px; padding:14px 16px; margin-bottom:12px; font-family:'SF Mono',monospace; font-size:13px; }
.endpoint .method { font-weight:800; margin-right:8px; }
.method.post { color:#22c55e; }
.method.get { color:#818cf8; }
.method.del { color:#ef4444; }
.endpoint .path { color:#e0e0e0; }
.endpoint .desc { display:block; color:#888; font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif; font-size:13px; margin-top:6px; }

.api-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(320px,1fr)); gap:20px; }

.footer { text-align:center; color:#666; font-size:13px; padding:40px 24px; border-top:1px solid #1a1a2e; margin-top:40px; }