/* How It Works — panels + PAY_AS visual */
.hiw-panel { display: none; }
.hiw-panel.active { display: block; }

.payas-inner h2 { color: var(--gold); }
.payas-visual { display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap; }
.payas-step {
  background: var(--bg3); border: 1px solid var(--border);
  border-radius: var(--r-md); padding: 18px 24px; text-align: center;
}
.payas-label { color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }
.payas-value { color: var(--text); font-size: 17px; font-weight: 600; }
.payas-arrow { color: var(--gold); font-size: 14px; text-align: center; max-width: 180px; line-height: 1.4; }

.hiw-life-steps { max-width: 760px; margin: 0 auto; }

@media (max-width: 700px) {
  .payas-visual { flex-direction: column; }
}