/* ============================================================
   HOW IT WORKS PAGE
   ============================================================ */

/* ---- Page Hero (reuses policy.css pattern) ---- */
.page-hero {
  position: relative;
  background: linear-gradient(135deg, #0f172a 0%, #001F3F 60%, #001F3F 100%);
  overflow: hidden;
  padding: 80px 0 88px;
  text-align: center;
}

.page-hero-bg {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
}

.page-hero::before,
.page-hero::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  filter: blur(90px);
  opacity: .25;
}
.page-hero::before {
  width: 420px; height: 420px;
  background: #4A7FA5;
  top: -120px; left: -100px;
}
.page-hero::after {
  width: 300px; height: 300px;
  background: #6366f1;
  bottom: -80px; right: -80px;
}

.page-hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
}

.page-hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: #fff;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
}

.page-hero-title {
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin: 0;
}

.page-hero-title .accent-light { color: #8FBDD6; }

.page-hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.8);
  max-width: 640px;
  line-height: 1.65;
}

.page-hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
}

.btn-outline-white {
  border: 2px solid rgba(255,255,255,.5);
  color: #fff;
  background: transparent;
  padding: 12px 28px;
  border-radius: 100px;
  font-weight: 600;
  font-size: .95rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.12);
  border-color: #fff;
}

/* ============================================================
   AUDIENCE PILLS
   ============================================================ */
.hiw-audience-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 7px 18px;
  border-radius: 100px;
  margin-bottom: 12px;
}

.hiw-audience-pill--blue {
  background: #D6E4F0;
  color: #001F3F;
}

.hiw-audience-pill--green {
  background: #dcfce7;
  color: #15803d;
}

/* ============================================================
   SECTION WRAPPERS
   ============================================================ */
.hiw-section {
  padding: 88px 0;
}

.hiw-section--light { background: var(--bg-soft); }
.hiw-section--white { background: var(--bg); }

.hiw-section-header {
  text-align: center;
  margin-bottom: 48px;
}

/* ============================================================
   STEP CARDS GRID
   ============================================================ */
.hiw-grid {
  display: grid;
  gap: 24px;
  margin-bottom: 32px;
}

.hiw-grid--4 { grid-template-columns: repeat(4, 1fr); }
.hiw-grid--3 { grid-template-columns: repeat(3, 1fr); }

.hiw-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px 26px;
  transition: var(--transition);
  position: relative;
}

.hiw-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}

.hiw-card--green {
  border-color: #bbf7d0;
}

.hiw-card--green:hover {
  box-shadow: 0 4px 24px rgba(34,197,94,.12);
}

.hiw-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 18px;
}

.hiw-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}

.hiw-icon--blue  { background: #D6E4F0; color: #001F3F; }
.hiw-icon--green { background: #dcfce7; color: #16a34a; }

.hiw-num {
  font-size: 1.6rem;
  font-weight: 800;
  color: #e2e8f0;
  line-height: 1;
  letter-spacing: -.02em;
}

.hiw-num--green { color: #bbf7d0; }

.hiw-card-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}

.hiw-card-desc {
  font-size: .88rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ============================================================
   CTA ROW
   ============================================================ */
.hiw-cta {
  display: flex;
  justify-content: center;
  margin-top: 16px;
  padding-top: 12px;
}

.hiw-btn-green {
  background: #16a34a;
  color: #fff;
  border: none;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 14px 32px;
  border-radius: var(--radius);
  font-size: .95rem;
  transition: var(--transition);
  text-decoration: none;
}

.hiw-btn-green:hover {
  background: #15803d;
  transform: translateY(-2px);
}

/* ============================================================
   FAQ SECTION
   ============================================================ */
.hiw-faq-section {
  padding: 88px 0;
  background: var(--bg-soft);
}

.hiw-faq-inner {
  max-width: 760px;
  margin: 0 auto;
}

.hiw-faq-eyebrow {
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  text-align: center;
  margin-bottom: 8px;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 40px;
}

.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow var(--transition);
}

.faq-item:hover {
  box-shadow: var(--shadow-card);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font);
  font-size: .97rem;
  font-weight: 700;
  color: var(--text);
  transition: color var(--transition);
}

.faq-question:hover { color: var(--blue); }

.faq-icon {
  font-size: .8rem;
  color: var(--text-muted);
  flex-shrink: 0;
  transition: transform .25s ease;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
  padding: 0 24px;
}

.faq-answer p {
  font-size: .92rem;
  color: var(--text-muted);
  line-height: 1.75;
  padding-bottom: 20px;
}

/* Open state */
.faq-item--open .faq-answer {
  max-height: 400px;
  padding: 0 24px;
}

.faq-item--open .faq-icon {
  transform: rotate(180deg);
  color: var(--blue);
}

.faq-item--open .faq-question {
  color: var(--blue);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hiw-grid--4 { grid-template-columns: repeat(2, 1fr); }
  .hiw-grid--3 { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .hiw-section { padding: 64px 0; }
  .hiw-faq-section { padding: 64px 0; }
  .hiw-grid--4,
  .hiw-grid--3 { grid-template-columns: repeat(2, 1fr); }
  .page-hero { padding: 64px 0 72px; }
  .page-hero-actions { flex-direction: column; align-items: center; }
}

@media (max-width: 480px) {
  .hiw-grid--4,
  .hiw-grid--3 { grid-template-columns: 1fr; }
}