/* ============================================================
   mcpayments-03 — Editorial / Magazine
   모든 선택자는 .tp-mcpayments-03 prefix
   ============================================================ */

.tp-mcpayments-03 {
  --tp-primary: #1F1B16;
  --tp-secondary: #D96F32;
  --tp-ink: #1F1B16;
  --tp-ink-soft: #3A332C;
  --tp-muted: #6B6158;
  --tp-paper: #F5EFE6;
  --tp-paper-2: #EDE4D3;
  --tp-line: #D8CEBE;
  --tp-cream: #FAF6EE;
  --tp-white: #FFFFFF;

  --tp-radius-sm: 6px;
  --tp-radius-md: 12px;
  --tp-radius-lg: 22px;

  --tp-shadow-sm: 0 2px 6px rgba(31, 27, 22, 0.06);
  --tp-shadow-md: 0 12px 32px rgba(31, 27, 22, 0.12);
  --tp-shadow-lg: 0 30px 60px rgba(31, 27, 22, 0.18);

  --tp-font-sans: 'Pretendard', 'Pretendard Variable', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --tp-font-serif: var(--tp-font-sans);
  --tp-font-mono: var(--tp-font-sans);

  background: var(--tp-paper);
  color: var(--tp-ink);
  font-family: var(--tp-font-sans);
  font-size: 16px;
  line-height: 1.65;
  word-break: keep-all;
  overflow-wrap: break-word;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

.tp-mcpayments-03 h1,
.tp-mcpayments-03 h2,
.tp-mcpayments-03 h3,
.tp-mcpayments-03 h4,
.tp-mcpayments-03 h5,
.tp-mcpayments-03 h6,
.tp-mcpayments-03 p,
.tp-mcpayments-03 li,
.tp-mcpayments-03 span,
.tp-mcpayments-03 em,
.tp-mcpayments-03 strong,
.tp-mcpayments-03 a,
.tp-mcpayments-03 figcaption,
.tp-mcpayments-03 blockquote {
  word-break: keep-all;
  overflow-wrap: break-word;
}

.tp-mcpayments-03 * { box-sizing: border-box; }
.tp-mcpayments-03 img { display: block; max-width: 100%; height: auto; }
.tp-mcpayments-03 a { color: inherit; text-decoration: none; }

.tp-mcpayments-03 .mcp-container {
  width: min(1240px, calc(100% - 40px));
  margin-inline: auto;
}

.tp-mcpayments-03 .mcp-container-wide {
  width: min(1400px, calc(100% - 40px));
  margin-inline: auto;
}

.tp-mcpayments-03 section { padding: clamp(70px, 8vw, 140px) 0; }

/* Reveal animation */
.tp-mcpayments-03 [data-reveal] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 900ms cubic-bezier(.16,1,.3,1), transform 900ms cubic-bezier(.16,1,.3,1);
}
.tp-mcpayments-03 [data-reveal].is-visible {
  opacity: 1;
  transform: none;
}
.tp-mcpayments-03 [data-reveal-delay="1"].is-visible { transition-delay: 80ms; }
.tp-mcpayments-03 [data-reveal-delay="2"].is-visible { transition-delay: 160ms; }
.tp-mcpayments-03 [data-reveal-delay="3"].is-visible { transition-delay: 240ms; }
.tp-mcpayments-03 [data-reveal-delay="4"].is-visible { transition-delay: 320ms; }

/* ============================================================
   Typography primitives
   ============================================================ */
.tp-mcpayments-03 .mcp-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--tp-font-mono);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--tp-secondary);
}
.tp-mcpayments-03 .mcp-eyebrow::before {
  content: "";
  display: inline-block;
  width: 28px;
  height: 1px;
  background: currentColor;
}

.tp-mcpayments-03 .mcp-display {
  font-family: var(--tp-font-serif);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.02;
  color: var(--tp-ink);
}
.tp-mcpayments-03 .mcp-display em {
  font-style: normal;
  font-weight: 500;
  color: var(--tp-secondary);
}

.tp-mcpayments-03 .mcp-section-title {
  font-family: var(--tp-font-serif);
  font-weight: 600;
  font-size: clamp(34px, 4.4vw, 64px);
  line-height: 1.08;
  letter-spacing: -0.015em;
  color: var(--tp-ink);
  margin: 16px 0 20px;
}
.tp-mcpayments-03 .mcp-section-title em {
  font-style: normal;
  font-weight: 500;
  color: var(--tp-secondary);
}

.tp-mcpayments-03 .mcp-lede {
  max-width: 620px;
  color: var(--tp-muted);
  font-size: 17px;
  line-height: 1.7;
}

/* ============================================================
   Navbar
   ============================================================ */
.tp-mcpayments-03 .mcp-nav {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(245, 239, 230, 0.88);
  backdrop-filter: saturate(140%) blur(12px);
  -webkit-backdrop-filter: saturate(140%) blur(12px);
  border-bottom: 1px solid rgba(31, 27, 22, 0.08);
}
.tp-mcpayments-03 .mcp-nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.tp-mcpayments-03 .mcp-nav__brand {
  font-family: var(--tp-font-serif);
  font-weight: 600;
  font-size: 22px;
  letter-spacing: -0.01em;
}
.tp-mcpayments-03 .mcp-nav__brand em {
  font-style: normal;
  color: var(--tp-secondary);
}
.tp-mcpayments-03 .mcp-nav__links {
  display: flex;
  gap: 30px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.tp-mcpayments-03 .mcp-nav__link {
  font-size: 14px;
  color: var(--tp-ink-soft);
  font-weight: 500;
  transition: color 200ms;
}
.tp-mcpayments-03 .mcp-nav__link:hover { color: var(--tp-secondary); }
.tp-mcpayments-03 .mcp-nav__cta {
  font-size: 14px;
  font-weight: 600;
  padding: 10px 18px;
  border-radius: 999px;
  background: var(--tp-ink);
  color: var(--tp-cream);
  transition: background 200ms, transform 200ms;
}
.tp-mcpayments-03 .mcp-nav__cta:hover {
  background: var(--tp-secondary);
  transform: translateY(-1px);
}

@media (max-width: 768px) {
  .tp-mcpayments-03 .mcp-nav__links { display: none; }
}

/* ============================================================
   Hero
   ============================================================ */
.tp-mcpayments-03 .mcp-hero {
  padding-top: clamp(50px, 6vw, 90px);
  padding-bottom: clamp(60px, 8vw, 120px);
  position: relative;
  overflow: hidden;
}
.tp-mcpayments-03 .mcp-hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(28px, 5vw, 80px);
  align-items: end;
}
.tp-mcpayments-03 .mcp-hero__headline {
  font-family: var(--tp-font-serif);
  font-weight: 500;
  font-size: clamp(48px, 7vw, 108px);
  line-height: 0.98;
  letter-spacing: -0.025em;
  margin: 22px 0 32px;
  color: var(--tp-ink);
}
.tp-mcpayments-03 .mcp-hero__headline em {
  font-style: normal;
  font-weight: 500;
  color: var(--tp-secondary);
  display: inline-block;
}
.tp-mcpayments-03 .mcp-hero__desc {
  font-size: 18px;
  line-height: 1.7;
  color: var(--tp-ink-soft);
  max-width: 520px;
  margin-bottom: 36px;
}
.tp-mcpayments-03 .mcp-hero__cta {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 48px;
}
.tp-mcpayments-03 .mcp-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  letter-spacing: -0.005em;
  transition: transform 200ms, background 200ms, color 200ms, border-color 200ms;
  border: 1px solid transparent;
  cursor: pointer;
}
.tp-mcpayments-03 .mcp-btn--primary {
  background: var(--tp-ink);
  color: var(--tp-cream);
}
.tp-mcpayments-03 .mcp-btn--primary:hover {
  background: var(--tp-secondary);
  transform: translateY(-2px);
}
.tp-mcpayments-03 .mcp-btn--ghost {
  background: transparent;
  color: var(--tp-ink);
  border-color: rgba(31, 27, 22, 0.22);
}
.tp-mcpayments-03 .mcp-btn--ghost:hover {
  background: var(--tp-ink);
  color: var(--tp-cream);
  border-color: var(--tp-ink);
  transform: translateY(-2px);
}
.tp-mcpayments-03 .mcp-btn__arrow {
  display: inline-block;
  transition: transform 200ms;
}
.tp-mcpayments-03 .mcp-btn:hover .mcp-btn__arrow { transform: translateX(4px); }

.tp-mcpayments-03 .mcp-hero__meta {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  border-top: 1px solid var(--tp-line);
  padding-top: 26px;
  max-width: 560px;
}
.tp-mcpayments-03 .mcp-hero__meta-label {
  display: block;
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--tp-muted);
  margin-bottom: 8px;
}
.tp-mcpayments-03 .mcp-hero__meta-value {
  font-family: var(--tp-font-serif);
  font-size: 22px;
  font-weight: 500;
  color: var(--tp-ink);
  letter-spacing: -0.01em;
}

.tp-mcpayments-03 .mcp-hero__visual {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--tp-radius-lg);
  overflow: hidden;
  box-shadow: var(--tp-shadow-lg);
}
.tp-mcpayments-03 .mcp-hero__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.tp-mcpayments-03 .mcp-hero__caption {
  position: absolute;
  left: 20px;
  bottom: 20px;
  right: 20px;
  color: var(--tp-cream);
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  display: flex;
  gap: 12px;
  align-items: center;
}
.tp-mcpayments-03 .mcp-hero__caption::before {
  content: "";
  display: inline-block;
  width: 36px;
  height: 1px;
  background: currentColor;
}

.tp-mcpayments-03 .mcp-hero__marquee {
  margin-top: 80px;
  border-top: 1px solid var(--tp-line);
  border-bottom: 1px solid var(--tp-line);
  padding: 22px 0;
  font-family: var(--tp-font-serif);
  font-style: normal;
  color: var(--tp-muted);
  display: flex;
  gap: 40px;
  font-size: 20px;
  white-space: nowrap;
  overflow: hidden;
}

@media (max-width: 960px) {
  .tp-mcpayments-03 .mcp-hero__grid {
    grid-template-columns: 1fr;
  }
  .tp-mcpayments-03 .mcp-hero__visual { aspect-ratio: 4 / 3; }
  .tp-mcpayments-03 .mcp-hero__meta { grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .tp-mcpayments-03 .mcp-hero__meta-value { font-size: 18px; }
}

/* ============================================================
   Industries (bento)
   ============================================================ */
.tp-mcpayments-03 .mcp-industries {
  background: var(--tp-cream);
}
.tp-mcpayments-03 .mcp-industries__head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: end;
  margin-bottom: 56px;
}
.tp-mcpayments-03 .mcp-industries__head .mcp-lede { justify-self: end; }

.tp-mcpayments-03 .mcp-industries__grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  grid-auto-rows: 320px;
  gap: 18px;
}
.tp-mcpayments-03 .mcp-industry {
  position: relative;
  overflow: hidden;
  border-radius: var(--tp-radius-lg);
  background: var(--tp-paper-2);
  transition: transform 400ms cubic-bezier(.16,1,.3,1);
}
.tp-mcpayments-03 .mcp-industry:hover { transform: translateY(-4px); }
.tp-mcpayments-03 .mcp-industry__img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 800ms cubic-bezier(.16,1,.3,1);
}
.tp-mcpayments-03 .mcp-industry:hover .mcp-industry__img { transform: scale(1.06); }
.tp-mcpayments-03 .mcp-industry__overlay {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(31,27,22,0.1) 0%, rgba(31,27,22,0.75) 100%);
}
.tp-mcpayments-03 .mcp-industry__body {
  position: absolute;
  left: 24px; right: 24px; bottom: 22px;
  color: var(--tp-cream);
}
.tp-mcpayments-03 .mcp-industry__name {
  font-family: var(--tp-font-serif);
  font-size: 28px;
  font-weight: 500;
  letter-spacing: -0.015em;
  margin-bottom: 8px;
}
.tp-mcpayments-03 .mcp-industry__summary {
  font-size: 14px;
  color: rgba(250, 246, 238, 0.82);
  line-height: 1.55;
  margin-bottom: 14px;
}
.tp-mcpayments-03 .mcp-industry__points {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  list-style: none;
  padding: 0; margin: 0;
}
.tp-mcpayments-03 .mcp-industry__points li {
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.06em;
  padding: 5px 10px;
  border-radius: 999px;
  background: rgba(250, 246, 238, 0.14);
  border: 1px solid rgba(250, 246, 238, 0.22);
}

/* 6 items bento layout: 2 + 2 + 2 featured/small mix */
.tp-mcpayments-03 .mcp-industry:nth-child(1) { grid-column: span 3; grid-row: span 1; }
.tp-mcpayments-03 .mcp-industry:nth-child(2) { grid-column: span 3; grid-row: span 1; }
.tp-mcpayments-03 .mcp-industry:nth-child(3) { grid-column: span 2; }
.tp-mcpayments-03 .mcp-industry:nth-child(4) { grid-column: span 2; }
.tp-mcpayments-03 .mcp-industry:nth-child(5) { grid-column: span 2; }
.tp-mcpayments-03 .mcp-industry:nth-child(6) { grid-column: span 6; grid-row: span 1; }

@media (max-width: 960px) {
  .tp-mcpayments-03 .mcp-industries__head { grid-template-columns: 1fr; }
  .tp-mcpayments-03 .mcp-industries__head .mcp-lede { justify-self: start; }
  .tp-mcpayments-03 .mcp-industries__grid { grid-template-columns: 1fr 1fr; grid-auto-rows: 280px; }
  .tp-mcpayments-03 .mcp-industry:nth-child(n) { grid-column: span 1; }
  .tp-mcpayments-03 .mcp-industry:nth-child(6) { grid-column: span 2; }
}
@media (max-width: 560px) {
  .tp-mcpayments-03 .mcp-industries__grid { grid-template-columns: 1fr; grid-auto-rows: 260px; }
  .tp-mcpayments-03 .mcp-industry:nth-child(n) { grid-column: span 1; }
}

/* ============================================================
   Features
   ============================================================ */
.tp-mcpayments-03 .mcp-features__grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(30px, 5vw, 80px);
  align-items: stretch;
}
.tp-mcpayments-03 .mcp-features__visual {
  position: relative;
  border-radius: var(--tp-radius-lg);
  overflow: hidden;
  min-height: 480px;
  box-shadow: var(--tp-shadow-md);
}
.tp-mcpayments-03 .mcp-features__visual img {
  width: 100%; height: 100%;
  object-fit: cover;
  position: absolute; inset: 0;
}
.tp-mcpayments-03 .mcp-features__visual::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(160deg, rgba(31,27,22,0) 40%, rgba(31,27,22,0.45) 100%);
}
.tp-mcpayments-03 .mcp-features__tag {
  position: absolute;
  top: 22px; left: 22px;
  padding: 8px 14px;
  background: var(--tp-cream);
  border-radius: 999px;
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--tp-ink);
}

.tp-mcpayments-03 .mcp-features__list {
  list-style: none;
  padding: 0; margin: 28px 0 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}
.tp-mcpayments-03 .mcp-feature {
  padding: 28px;
  background: var(--tp-white);
  border: 1px solid var(--tp-line);
  border-radius: var(--tp-radius-md);
  transition: border-color 200ms, transform 300ms;
}
.tp-mcpayments-03 .mcp-feature:hover {
  border-color: var(--tp-secondary);
  transform: translateY(-3px);
}
.tp-mcpayments-03 .mcp-feature__number {
  font-family: var(--tp-font-mono);
  font-size: 12px;
  letter-spacing: 0.12em;
  color: var(--tp-secondary);
  margin-bottom: 14px;
}
.tp-mcpayments-03 .mcp-feature__title {
  font-family: var(--tp-font-serif);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.01em;
  margin-bottom: 10px;
  color: var(--tp-ink);
}
.tp-mcpayments-03 .mcp-feature__body {
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--tp-muted);
}

@media (max-width: 960px) {
  .tp-mcpayments-03 .mcp-features__grid { grid-template-columns: 1fr; }
  .tp-mcpayments-03 .mcp-features__visual { min-height: 360px; }
  .tp-mcpayments-03 .mcp-features__list { grid-template-columns: 1fr; }
}

/* ============================================================
   Process
   ============================================================ */
.tp-mcpayments-03 .mcp-process {
  background: var(--tp-ink);
  color: var(--tp-cream);
}
.tp-mcpayments-03 .mcp-process .mcp-eyebrow { color: #F4A771; }
.tp-mcpayments-03 .mcp-process .mcp-section-title { color: var(--tp-cream); }
.tp-mcpayments-03 .mcp-process .mcp-section-title em { color: #F4A771; }
.tp-mcpayments-03 .mcp-process .mcp-lede { color: rgba(250,246,238,0.72); }

.tp-mcpayments-03 .mcp-process__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(30px, 5vw, 72px);
  align-items: start;
  margin-top: 56px;
}
.tp-mcpayments-03 .mcp-process__image {
  position: sticky;
  top: 100px;
  aspect-ratio: 4 / 5;
  border-radius: var(--tp-radius-lg);
  overflow: hidden;
}
.tp-mcpayments-03 .mcp-process__image img {
  width: 100%; height: 100%;
  object-fit: cover;
}
.tp-mcpayments-03 .mcp-process__steps {
  list-style: none;
  padding: 0; margin: 0;
  display: flex;
  flex-direction: column;
}
.tp-mcpayments-03 .mcp-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid rgba(250,246,238,0.12);
}
.tp-mcpayments-03 .mcp-step:last-child { border-bottom: none; }
.tp-mcpayments-03 .mcp-step__num {
  font-family: var(--tp-font-serif);
  font-size: 44px;
  font-weight: 400;
  font-style: normal;
  line-height: 1;
  color: #F4A771;
}
.tp-mcpayments-03 .mcp-step__title {
  font-family: var(--tp-font-serif);
  font-size: 24px;
  font-weight: 500;
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}
.tp-mcpayments-03 .mcp-step__body {
  color: rgba(250,246,238,0.7);
  font-size: 15px;
  line-height: 1.65;
}

@media (max-width: 960px) {
  .tp-mcpayments-03 .mcp-process__grid { grid-template-columns: 1fr; }
  .tp-mcpayments-03 .mcp-process__image { position: static; aspect-ratio: 16/10; }
}

/* ============================================================
   Stats
   ============================================================ */
.tp-mcpayments-03 .mcp-stats__head {
  max-width: 680px;
  margin-bottom: 56px;
}
.tp-mcpayments-03 .mcp-stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--tp-line);
  border-bottom: 1px solid var(--tp-line);
}
.tp-mcpayments-03 .mcp-stat {
  padding: 36px 28px;
  border-right: 1px solid var(--tp-line);
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.tp-mcpayments-03 .mcp-stat:last-child { border-right: none; }
.tp-mcpayments-03 .mcp-stat__value {
  font-family: var(--tp-font-serif);
  font-size: clamp(40px, 5vw, 64px);
  font-weight: 500;
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--tp-ink);
  margin-bottom: 8px;
}
.tp-mcpayments-03 .mcp-stat__value em {
  font-style: normal;
  color: var(--tp-secondary);
}
.tp-mcpayments-03 .mcp-stat__label {
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--tp-muted);
  margin-bottom: 4px;
}
.tp-mcpayments-03 .mcp-stat__detail {
  font-size: 14px;
  color: var(--tp-ink-soft);
  line-height: 1.5;
}

@media (max-width: 960px) {
  .tp-mcpayments-03 .mcp-stats__grid { grid-template-columns: repeat(2, 1fr); }
  .tp-mcpayments-03 .mcp-stat:nth-child(2n) { border-right: none; }
  .tp-mcpayments-03 .mcp-stat:nth-child(-n+2) { border-bottom: 1px solid var(--tp-line); }
}

/* ============================================================
   Testimonials
   ============================================================ */
.tp-mcpayments-03 .mcp-tst {
  background: var(--tp-cream);
}
.tp-mcpayments-03 .mcp-tst__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 52px;
}
.tp-mcpayments-03 .mcp-tst-card {
  background: var(--tp-white);
  border-radius: var(--tp-radius-lg);
  overflow: hidden;
  border: 1px solid var(--tp-line);
  display: flex;
  flex-direction: column;
}
.tp-mcpayments-03 .mcp-tst-card__img {
  aspect-ratio: 4 / 3;
  overflow: hidden;
}
.tp-mcpayments-03 .mcp-tst-card__img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 800ms cubic-bezier(.16,1,.3,1);
}
.tp-mcpayments-03 .mcp-tst-card:hover .mcp-tst-card__img img { transform: scale(1.05); }
.tp-mcpayments-03 .mcp-tst-card__body {
  padding: 28px 26px 30px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.tp-mcpayments-03 .mcp-tst-card__industry {
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--tp-secondary);
  margin-bottom: 14px;
}
.tp-mcpayments-03 .mcp-tst-card__quote {
  font-family: var(--tp-font-serif);
  font-size: 20px;
  line-height: 1.45;
  color: var(--tp-ink);
  letter-spacing: -0.01em;
  flex: 1;
  margin-bottom: 20px;
}
.tp-mcpayments-03 .mcp-tst-card__quote::before {
  content: "“";
  font-size: 38px;
  line-height: 0;
  color: var(--tp-secondary);
  margin-right: 4px;
  vertical-align: -0.2em;
}
.tp-mcpayments-03 .mcp-tst-card__name {
  font-weight: 600;
  font-size: 14px;
  color: var(--tp-ink);
}
.tp-mcpayments-03 .mcp-tst-card__role {
  font-size: 13px;
  color: var(--tp-muted);
}

@media (max-width: 960px) {
  .tp-mcpayments-03 .mcp-tst__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .tp-mcpayments-03 .mcp-tst__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   FAQ
   ============================================================ */
.tp-mcpayments-03 .mcp-faq__grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(30px, 5vw, 80px);
  align-items: start;
}
.tp-mcpayments-03 .mcp-faq__list {
  border-top: 1px solid var(--tp-line);
}
.tp-mcpayments-03 .mcp-faq-item {
  border-bottom: 1px solid var(--tp-line);
}
.tp-mcpayments-03 .mcp-faq-item__toggle {
  all: unset;
  cursor: pointer;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 26px 0;
  font-family: var(--tp-font-serif);
  font-size: 20px;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--tp-ink);
  transition: color 200ms;
}
.tp-mcpayments-03 .mcp-faq-item__toggle:hover { color: var(--tp-secondary); }
.tp-mcpayments-03 .mcp-faq-item__icon {
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1px solid var(--tp-line);
  display: grid;
  place-items: center;
  font-size: 14px;
  font-weight: 400;
  transition: transform 300ms, background 200ms, color 200ms, border-color 200ms;
  flex-shrink: 0;
  background: transparent;
}
.tp-mcpayments-03 .mcp-faq-item[data-open="true"] .mcp-faq-item__icon {
  transform: rotate(45deg);
  background: var(--tp-ink);
  color: var(--tp-cream);
  border-color: var(--tp-ink);
}
.tp-mcpayments-03 .mcp-faq-item__body {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 360ms cubic-bezier(.16,1,.3,1);
}
.tp-mcpayments-03 .mcp-faq-item[data-open="true"] .mcp-faq-item__body {
  grid-template-rows: 1fr;
}
.tp-mcpayments-03 .mcp-faq-item__body > div {
  overflow: hidden;
}
.tp-mcpayments-03 .mcp-faq-item__body p {
  padding: 0 0 26px;
  color: var(--tp-ink-soft);
  line-height: 1.7;
  font-size: 15.5px;
  margin: 0;
  max-width: 640px;
}

@media (max-width: 960px) {
  .tp-mcpayments-03 .mcp-faq__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Contact CTA
   ============================================================ */
.tp-mcpayments-03 .mcp-contact {
  background: var(--tp-paper-2);
}
.tp-mcpayments-03 .mcp-contact__card {
  position: relative;
  border-radius: var(--tp-radius-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  min-height: 460px;
  background: var(--tp-ink);
  color: var(--tp-cream);
  box-shadow: var(--tp-shadow-lg);
}
.tp-mcpayments-03 .mcp-contact__body {
  padding: clamp(40px, 5vw, 70px);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.tp-mcpayments-03 .mcp-contact__body .mcp-eyebrow { color: #F4A771; }
.tp-mcpayments-03 .mcp-contact__title {
  font-family: var(--tp-font-serif);
  font-size: clamp(32px, 4vw, 52px);
  line-height: 1.08;
  letter-spacing: -0.015em;
  font-weight: 500;
  margin: 16px 0 18px;
}
.tp-mcpayments-03 .mcp-contact__title em {
  font-style: normal;
  color: #F4A771;
}
.tp-mcpayments-03 .mcp-contact__desc {
  color: rgba(250,246,238,0.78);
  line-height: 1.65;
  margin-bottom: 32px;
  max-width: 480px;
}
.tp-mcpayments-03 .mcp-contact__meta {
  list-style: none;
  padding: 0; margin: 0 0 36px;
  display: grid;
  gap: 12px;
}
.tp-mcpayments-03 .mcp-contact__meta li {
  display: flex;
  align-items: baseline;
  gap: 14px;
  font-size: 15px;
  color: rgba(250,246,238,0.88);
}
.tp-mcpayments-03 .mcp-contact__meta-label {
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(250,246,238,0.5);
  width: 64px;
  flex-shrink: 0;
}
.tp-mcpayments-03 .mcp-contact__actions { display: flex; gap: 12px; flex-wrap: wrap; }
.tp-mcpayments-03 .mcp-contact__cta {
  background: var(--tp-cream);
  color: var(--tp-ink);
}
.tp-mcpayments-03 .mcp-contact__cta:hover {
  background: var(--tp-secondary);
  color: var(--tp-cream);
}
.tp-mcpayments-03 .mcp-contact__ghost {
  background: transparent;
  color: var(--tp-cream);
  border: 1px solid rgba(250,246,238,0.3);
}
.tp-mcpayments-03 .mcp-contact__ghost:hover {
  background: var(--tp-cream);
  color: var(--tp-ink);
  border-color: var(--tp-cream);
}

.tp-mcpayments-03 .mcp-contact__visual {
  position: relative;
  overflow: hidden;
}
.tp-mcpayments-03 .mcp-contact__visual img {
  width: 100%; height: 100%;
  object-fit: cover;
  position: absolute; inset: 0;
}

@media (max-width: 900px) {
  .tp-mcpayments-03 .mcp-contact__card { grid-template-columns: 1fr; }
  .tp-mcpayments-03 .mcp-contact__visual { min-height: 280px; position: relative; }
}

/* ============================================================
   Footer
   ============================================================ */
.tp-mcpayments-03 .mcp-footer {
  background: var(--tp-ink);
  color: rgba(250,246,238,0.7);
  padding: 70px 0 40px;
}
.tp-mcpayments-03 .mcp-footer__grid {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr 0.7fr 0.7fr;
  gap: 40px;
  margin-bottom: 52px;
}
.tp-mcpayments-03 .mcp-footer__brand {
  font-family: var(--tp-font-serif);
  font-size: 28px;
  font-weight: 500;
  color: var(--tp-cream);
  letter-spacing: -0.01em;
  margin-bottom: 14px;
}
.tp-mcpayments-03 .mcp-footer__brand em { font-style: normal; color: #F4A771; }
.tp-mcpayments-03 .mcp-footer__tag {
  font-size: 14px;
  line-height: 1.6;
  max-width: 360px;
}
.tp-mcpayments-03 .mcp-footer__heading {
  font-family: var(--tp-font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(250,246,238,0.5);
  margin-bottom: 16px;
}
.tp-mcpayments-03 .mcp-footer__list {
  list-style: none;
  padding: 0; margin: 0;
  display: grid; gap: 10px;
  font-size: 14px;
}
.tp-mcpayments-03 .mcp-footer__list a { transition: color 150ms; }
.tp-mcpayments-03 .mcp-footer__list a:hover { color: var(--tp-cream); }
.tp-mcpayments-03 .mcp-footer__bottom {
  border-top: 1px solid rgba(250,246,238,0.12);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 12.5px;
  color: rgba(250,246,238,0.5);
}

@media (max-width: 860px) {
  .tp-mcpayments-03 .mcp-footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 520px) {
  .tp-mcpayments-03 .mcp-footer__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Reduced motion
   ============================================================ */
@media (prefers-reduced-motion: reduce) {
  .tp-mcpayments-03 *,
  .tp-mcpayments-03 *::before,
  .tp-mcpayments-03 *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .tp-mcpayments-03 [data-reveal] { opacity: 1; transform: none; }
}