.dineroahora-intro {
    display: grid;
    grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
    gap: clamp(34px, 5vw, 72px);
    align-items: start;
}

.dineroahora-intro-panels {
    display: grid;
    gap: 18px;
}

.dineroahora-panel {
    display: grid;
    grid-template-columns: 56px minmax(0, 1fr);
    gap: 22px;
    align-items: start;
    background: var(--dineroahora-white);
    border: 1px solid var(--dineroahora-line);
    border-left: 3px solid var(--dineroahora-blue);
    border-radius: var(--dineroahora-radius-m);
    padding: 26px 28px;
    box-shadow: var(--dineroahora-shadow-s);
    transition: transform 0.35s var(--dineroahora-ease), box-shadow 0.35s var(--dineroahora-ease);
}

.dineroahora-panel:hover {
    transform: translateX(8px);
    box-shadow: var(--dineroahora-shadow-m);
}

.dineroahora-panel:nth-child(2) { border-left-color: var(--dineroahora-gold); }
.dineroahora-panel:nth-child(3) { border-left-color: var(--dineroahora-mint); }

.dineroahora-panel .dineroahora-icon { margin-bottom: 0; }
.dineroahora-panel h3 { font-size: 1.16rem; margin-bottom: 6px; }
.dineroahora-panel p { font-size: 0.94rem; }

.dineroahora-terms {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
    margin-bottom: 52px;
}

.dineroahora-term {
    background: var(--dineroahora-white);
    border: 1px solid var(--dineroahora-line);
    border-radius: var(--dineroahora-radius-l);
    padding: 32px 30px;
    box-shadow: var(--dineroahora-shadow-s);
    position: relative;
    overflow: hidden;
    transition: transform 0.35s var(--dineroahora-ease), box-shadow 0.35s var(--dineroahora-ease);
}

.dineroahora-term::after {
    content: "";
    position: absolute;
    right: -50px;
    top: -50px;
    width: 140px;
    height: 140px;
    border-radius: 50%;
    background: var(--dineroahora-blue-tint);
    opacity: 0.7;
}

.dineroahora-term:nth-child(2)::after { background: var(--dineroahora-gold-tint); }
.dineroahora-term:nth-child(3)::after { background: #e2f7ef; }

.dineroahora-term:hover {
    transform: translateY(-8px);
    box-shadow: var(--dineroahora-shadow-m);
}

.dineroahora-term-label,
.dineroahora-term strong,
.dineroahora-term p { position: relative; z-index: 2; }

.dineroahora-term-label {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-family: var(--dineroahora-font-display);
    font-size: 0.76rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--dineroahora-muted);
    margin-bottom: 16px;
}

.dineroahora-term-label i { color: var(--dineroahora-blue); font-size: 0.9rem; }
.dineroahora-term:nth-child(2) .dineroahora-term-label i { color: #b57a00; }
.dineroahora-term:nth-child(3) .dineroahora-term-label i { color: #087f57; }

.dineroahora-term strong {
    display: block;
    font-family: var(--dineroahora-font-display);
    font-size: clamp(1.25rem, 2.2vw, 1.62rem);
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--dineroahora-ink);
    margin-bottom: 12px;
}

.dineroahora-term p { font-size: 0.94rem; }

.dineroahora-table-wrap {
    background: var(--dineroahora-white);
    border: 1px solid var(--dineroahora-line);
    border-radius: var(--dineroahora-radius-l);
    box-shadow: var(--dineroahora-shadow-s);
    overflow-x: auto;
}

.dineroahora-table {
    width: 100%;
    min-width: 620px;
    border-collapse: collapse;
}

.dineroahora-table th {
    text-align: left;
    font-family: var(--dineroahora-font-display);
    font-size: 0.78rem;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--dineroahora-muted);
    padding: 20px 26px;
    background: var(--dineroahora-paper);
    border-bottom: 1px solid var(--dineroahora-line);
}

.dineroahora-table td {
    padding: 18px 26px;
    border-bottom: 1px solid var(--dineroahora-line);
    font-size: 0.95rem;
    color: var(--dineroahora-muted);
}

.dineroahora-table tbody tr:last-child td { border-bottom: none; }
.dineroahora-table tbody tr:hover td { background: rgba(231, 240, 255, 0.5); }

.dineroahora-table td:first-child {
    font-family: var(--dineroahora-font-display);
    font-weight: 600;
    color: var(--dineroahora-ink);
}

.dineroahora-table td:nth-child(2) {
    font-weight: 600;
    color: var(--dineroahora-blue);
}

.dineroahora-requirements {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: clamp(34px, 5vw, 70px);
    align-items: start;
}

.dineroahora-checklist {
    margin: 30px 0 34px;
    display: grid;
    gap: 14px;
}

.dineroahora-checklist li {
    display: flex;
    gap: 13px;
    align-items: flex-start;
    font-size: 0.97rem;
    color: var(--dineroahora-text);
}

.dineroahora-checklist i {
    color: var(--dineroahora-mint);
    margin-top: 5px;
    font-size: 0.95rem;
}

.dineroahora-flow {
    position: relative;
    padding-left: 8px;
}

.dineroahora-flow::before {
    content: "";
    position: absolute;
    left: 30px;
    top: 18px;
    bottom: 18px;
    width: 2px;
    background: linear-gradient(180deg, var(--dineroahora-blue), rgba(246, 180, 35, 0.7));
}

.dineroahora-flow-item {
    position: relative;
    display: grid;
    grid-template-columns: 62px minmax(0, 1fr);
    gap: 22px;
    align-items: start;
    padding: 18px 0;
}

.dineroahora-flow-item span {
    width: 46px;
    height: 46px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--dineroahora-white);
    border: 2px solid var(--dineroahora-blue);
    color: var(--dineroahora-blue);
    font-family: var(--dineroahora-font-display);
    font-weight: 800;
    font-size: 0.92rem;
    position: relative;
    z-index: 2;
}

.dineroahora-flow-item:last-child span {
    border-color: var(--dineroahora-gold);
    color: #b57a00;
}

.dineroahora-flow-item h4 { margin-bottom: 5px; }
.dineroahora-flow-item p { font-size: 0.94rem; }

.dineroahora-scope {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
}

.dineroahora-scope-col {
    border: 1px solid var(--dineroahora-line-dark);
    border-radius: var(--dineroahora-radius-l);
    padding: 38px 34px;
    background: linear-gradient(180deg, rgba(16, 185, 129, 0.1), rgba(255, 255, 255, 0.02));
}

.dineroahora-scope-no {
    background: linear-gradient(180deg, rgba(246, 180, 35, 0.12), rgba(255, 255, 255, 0.02));
}

.dineroahora-scope-col h3 {
    display: flex;
    align-items: center;
    gap: 13px;
    margin-bottom: 24px;
    font-size: 1.3rem;
}

.dineroahora-scope-col h3 i { color: var(--dineroahora-mint); }
.dineroahora-scope-no h3 i { color: var(--dineroahora-gold); }

.dineroahora-scope-col li {
    position: relative;
    padding: 13px 0 13px 24px;
    border-bottom: 1px solid var(--dineroahora-line-dark);
    font-size: 0.96rem;
    color: var(--dineroahora-muted-dark);
}

.dineroahora-scope-col li:last-child { border-bottom: none; }

.dineroahora-scope-col li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 22px;
    width: 8px;
    height: 8px;
    border-radius: 2px;
    background: var(--dineroahora-mint);
    transform: rotate(45deg);
}

.dineroahora-scope-no li::before { background: var(--dineroahora-gold); }

.dineroahora-nextcard {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
    background: var(--dineroahora-white);
    border: 1px solid var(--dineroahora-line);
    border-radius: var(--dineroahora-radius-l);
    padding: clamp(34px, 4vw, 54px);
    box-shadow: var(--dineroahora-shadow-s);
}

.dineroahora-nextcard h2 { max-width: 16ch; }
.dineroahora-nextcard p { margin-top: 12px; max-width: 52ch; }

@media (max-width: 1024px) {
    .dineroahora-intro { grid-template-columns: 1fr; }
    .dineroahora-terms { grid-template-columns: 1fr; }
    .dineroahora-requirements { grid-template-columns: 1fr; }
    .dineroahora-scope { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
    .dineroahora-panel { grid-template-columns: 1fr; gap: 14px; }
    .dineroahora-panel:hover { transform: none; }
    .dineroahora-scope-col { padding: 30px 24px; }
    .dineroahora-flow-item { grid-template-columns: 52px minmax(0, 1fr); gap: 16px; }
    .dineroahora-flow::before { left: 25px; }
}