A hyper-realistic image of a strikingly handsome caucasian man with dark burst-taper hair and a meticulously groomed short beard, styled with professional elegance. He is dressed in a sharp navy-blue business shirt paired with tailored charcoal gray dress pants. The setting is a modern, opulent restaurant illuminated by soft ambient lighting at night. He is confidently paying the check, holding a sleek black VISA credit card. The lively restaurant buzzes subtly in the blurred background, with hints of luxurious décor and smiling patrons. The attention to detail in his expression and attire adds to the photorealistic allure of this high-resolution scene.