/* =====================================================================
   How It Works subpage — layers on top of styles-v17.css (tokens, header,
   footer, buttons, reveal, mobile all inherited from there).
   Shares the sub-hero / section / card / CTA language of the Why Us page.
   ===================================================================== */

/* nav current state */
.navlinks a.current{color:var(--navy);font-weight:700;}

/* ---------- sub-hero ---------- */
.hw-hero{padding:66px 0 10px;}
.hw-eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800;color:var(--magenta);margin-bottom:16px;}
.hw-hero h1{font-family:var(--font-display);font-weight:600;font-size:clamp(1.9rem,3.9vw,2.8rem);line-height:1.08;letter-spacing:-.02em;color:var(--navy);max-width:none;}
.hw-hero .lede{margin-top:20px;font-size:clamp(1.05rem,1.6vw,1.2rem);line-height:1.6;color:var(--ink-muted);max-width:60ch;}
.hw-hero .lede .emph{color:var(--ink);font-weight:700;background:linear-gradient(transparent 62%, rgba(253,58,104,.22) 62%);padding:0 2px;}

/* ---------- generic section ---------- */
.hw-sec{padding:72px 0;}
.hw-sec h2{font-family:var(--font-display);font-weight:600;font-size:clamp(1.7rem,3.2vw,2.3rem);color:var(--navy);letter-spacing:-.01em;line-height:1.18;}
.hw-head{margin-bottom:44px;max-width:64ch;}
.hw-head .eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800;color:var(--magenta);margin-bottom:14px;}
.hw-head p{color:var(--ink-muted);margin-top:14px;font-size:1.02rem;line-height:1.7;}

/* ---------- STEPS timeline ---------- */
.hw-steps{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.hw-timeline{display:flex;flex-direction:column;gap:0;}
.hw-step{position:relative;display:grid;grid-template-columns:96px 1fr;gap:30px;padding:0 0 44px;}
.hw-step:last-child{padding-bottom:0;}
/* connecting rail down the number column */
.hw-step::before{content:"";position:absolute;left:47px;top:70px;bottom:-6px;width:2px;background:linear-gradient(var(--border),var(--border));}
.hw-step:last-child::before{display:none;}
.hw-step-num{position:relative;width:70px;height:70px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:600;font-size:1.7rem;line-height:1;box-shadow:0 14px 30px -16px rgba(36,69,104,.9);z-index:1;}
.hw-step-body{padding-top:6px;}
.hw-step-tag{display:inline-block;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:var(--magenta);margin-bottom:8px;}
.hw-step-body h3{font-family:var(--font-display);font-weight:600;font-size:clamp(1.25rem,2.1vw,1.55rem);color:var(--navy);line-height:1.2;margin-bottom:12px;}
.hw-step-body p{color:var(--ink-muted);font-size:1.02rem;line-height:1.72;max-width:62ch;}
.hw-step-list{list-style:none;margin:16px 0 0;display:flex;flex-direction:column;gap:10px;max-width:62ch;}
.hw-step-list li{position:relative;padding-left:26px;color:var(--ink-muted);font-size:.98rem;line-height:1.55;}
.hw-step-list li::before{content:"";position:absolute;left:2px;top:9px;width:8px;height:8px;border-radius:2px;background:var(--magenta);}
.hw-step-list li strong{color:var(--ink);font-weight:700;}

/* ---------- "What we need from you" panel ---------- */
.hw-need{background:var(--bg);}
.hw-need-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:8px;}
.hw-need-card{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:28px 26px;display:flex;gap:18px;align-items:flex-start;}
.hw-need-card .ico{flex:0 0 auto;width:46px;height:46px;border-radius:11px;display:flex;align-items:center;justify-content:center;color:#fff;background:linear-gradient(135deg,var(--navy) 0%,#1a3350 100%);box-shadow:0 8px 18px -10px rgba(36,69,104,.7);}
.hw-need-card .ico svg{width:22px;height:22px;}
.hw-need-card h3{font-size:1.08rem;color:var(--navy);font-weight:700;margin-bottom:6px;}
.hw-need-card p{color:var(--ink-muted);font-size:.96rem;line-height:1.62;}

/* ---------- "What else we can do" cards ---------- */
.hw-more{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.hw-mgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.hw-card{background:var(--bg);border:1px solid var(--border);border-radius:14px;padding:28px 26px;transition:transform .4s cubic-bezier(.2,.8,.2,1),box-shadow .4s ease,border-color .4s ease;}
.hw-card:hover{transform:translateY(-6px);box-shadow:0 24px 46px -30px rgba(15,23,42,.45);border-color:rgba(253,58,104,.45);}
.hw-card .ico{width:46px;height:46px;border-radius:11px;display:flex;align-items:center;justify-content:center;color:#fff;background:linear-gradient(135deg,var(--magenta) 0%,var(--magenta-deep) 100%);margin-bottom:16px;box-shadow:0 8px 18px -8px rgba(253,58,104,.55);transition:transform .45s cubic-bezier(.2,.8,.2,1);}
.hw-card:hover .ico{transform:translateY(-2px) scale(1.07) rotate(-3deg);}
.hw-card .ico svg{width:22px;height:22px;}
.hw-card h3{font-size:1.1rem;color:var(--navy);font-weight:700;margin-bottom:8px;position:relative;display:inline-block;}
.hw-card h3::after{content:"";position:absolute;left:0;bottom:-5px;height:2px;width:0;background:var(--magenta);border-radius:2px;transition:width .45s cubic-bezier(.2,.8,.2,1);}
.hw-card:hover h3::after{width:100%;}
.hw-card p{color:var(--ink-muted);font-size:.95rem;line-height:1.62;}
/* fee-crediting card spans the trailing gap on a 3-col grid for balance */
.hw-card.hw-card-wide{grid-column:span 1;}

/* ---------- CTA (uses the home page .final video section) ---------- */
.final .btn-ghost{color:#fff;border-color:rgba(255,255,255,.4);}
.final .btn-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.1);}

@media(prefers-reduced-motion:reduce){
  .hw-card,.hw-card .ico,.hw-card h3::after{transition:none;}
  .hw-card:hover{transform:none;}
  .hw-card:hover .ico{transform:none;}
}

/* ---------- responsive ---------- */
@media(max-width:860px){
  .hw-mgrid{grid-template-columns:1fr 1fr;}
  .hw-need-grid{grid-template-columns:1fr;}
}
@media(max-width:640px){
  .hw-mgrid{grid-template-columns:1fr;}
  .hw-step{grid-template-columns:60px 1fr;gap:20px;}
  .hw-step::before{left:29px;top:56px;}
  .hw-step-num{width:56px;height:56px;font-size:1.35rem;}
}