.hiw-page .nav-links a[href="/how-it-works"] {
    color: var(--color-blue);
    position: relative;
}

.hiw-page .nav-links a[href="/how-it-works"]::after {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    bottom: -20px;
    height: 2px;
    border-radius: 999px;
    background: var(--color-blue);
}

.hiw-page-main {
    background:
        radial-gradient(circle at 12% 0%, rgba(37, 99, 235, .10), transparent 28rem),
        radial-gradient(circle at 92% 44%, rgba(20, 184, 166, .08), transparent 26rem),
        linear-gradient(180deg, #ffffff 0%, #f7fbff 48%, #ffffff 100%);
    overflow: hidden;
}

.hiw-hero {
    min-height: 440px;
    display: flex;
    align-items: center;
    border-bottom: 1px solid rgba(219, 231, 246, .75);
    background-image:
        linear-gradient(90deg, rgba(255,255,255,0.98) 0%, rgba(255,255,255,0.92) 45%, rgba(255,255,255,0.65) 100%),
        url('/assets/images/how-it-works-hero-bg.png');
    background-size: cover;
    background-position: center right;
    background-repeat: no-repeat;
    padding: 48px 0 52px;
}

.hiw-hero-content {
    max-width: 670px;
}

.hiw-pill,
.hiw-section-heading span,
.hiw-alerts-intro span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    background: #eaf2ff;
    color: var(--color-blue);
    font-size: .76rem;
    font-weight: 850;
    letter-spacing: .06em;
    padding: 8px 12px;
    text-transform: uppercase;
}

.hiw-hero h1 {
    color: var(--color-navy);
    font-size: clamp(2.7rem, 5vw, 4.35rem);
    line-height: 1.04;
    letter-spacing: 0;
    margin: 18px 0 14px;
}

.hiw-hero p {
    color: #475569;
    font-size: 1.06rem;
    line-height: 1.68;
    max-width: 650px;
    margin: 0;
}

.hiw-actions {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 24px;
}

.hiw-actions .btn {
    min-height: 52px;
    border-radius: 12px;
    font-weight: 800;
}

.hiw-trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    color: #334155;
    font-size: .86rem;
    font-weight: 750;
    margin-top: 22px;
}

.hiw-trust-row span,
.hiw-disclaimer {
    display: flex;
    align-items: center;
    gap: 8px;
}

.hiw-page svg {
    width: 19px;
    height: 19px;
    fill: none;
    stroke: currentColor;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    flex: 0 0 auto;
}

.hiw-trust-row svg {
    color: var(--color-blue);
}

.hiw-section {
    padding: 36px 0;
}

.hiw-section--pull {
    padding-top: 0;
}

.hiw-section--tight {
    padding: 20px 0;
}

.hiw-section-heading {
    max-width: 760px;
    margin-bottom: 24px;
}

.hiw-section-heading--center {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
}

.hiw-section-heading h2 {
    color: var(--color-navy);
    font-size: clamp(2rem, 4vw, 3rem);
    line-height: 1.08;
    margin: 12px 0 8px;
}

.hiw-section-heading p {
    color: #64748b;
    line-height: 1.72;
    margin: 0;
}

.hiw-process-card,
.hiw-flow-grid,
.hiw-alerts-card {
    border: 1px solid #dbe7f6;
    border-radius: 20px;
    background:
        radial-gradient(circle at top left, rgba(37, 99, 235, .08), transparent 34%),
        linear-gradient(135deg, rgba(255,255,255,.98), rgba(248,251,255,.96));
    box-shadow: 0 22px 58px rgba(15, 23, 42, .08);
}

.hiw-process-card {
    margin-top: 0;
    padding: 30px 22px 22px;
}

.hiw-stepper {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 22px;
    position: relative;
}

.hiw-stepper::before {
    content: "";
    position: absolute;
    top: 25px;
    left: 10%;
    right: 10%;
    border-top: 2px dotted #bfdbfe;
}

.hiw-step {
    display: grid;
    justify-items: start;
    align-content: start;
    position: relative;
    min-height: 260px;
    border: 1px solid #dbe7f6;
    border-radius: 16px;
    background: rgba(255, 255, 255, .94);
    box-shadow: 0 14px 34px rgba(15, 23, 42, .06);
    padding: 0 18px 22px;
    margin-top: 44px;
}

.hiw-step-number {
    display: grid;
    place-items: center;
    width: 34px;
    height: 34px;
    border-radius: 999px;
    background: var(--color-blue);
    color: #fff;
    font-weight: 850;
    transform: translateY(-62px);
    margin-bottom: -26px;
    box-shadow: 0 12px 24px rgba(37, 99, 235, .24);
    justify-self: center;
}

.hiw-step-icon,
.hiw-reading-icon {
    display: grid;
    place-items: center;
    width: 66px;
    height: 66px;
    border-radius: 18px;
    background: #eff6ff;
    color: var(--color-blue);
    border: 1px solid #bfdbfe;
    box-shadow: 0 14px 28px rgba(15, 23, 42, .07);
    margin: 0 0 22px;
}

.hiw-step-icon svg,
.hiw-reading-icon svg {
    width: 34px;
    height: 34px;
}

.hiw-step--2 .hiw-step-icon,
.hiw-reading-card--teal .hiw-reading-icon {
    background: #ecfdf5;
    border-color: #99f6e4;
    color: var(--color-teal);
}

.hiw-step--3 .hiw-step-icon,
.hiw-reading-card--purple .hiw-reading-icon {
    background: #f5f3ff;
    border-color: #ddd6fe;
    color: var(--color-purple);
}

.hiw-step--5 .hiw-step-icon,
.hiw-reading-card--orange .hiw-reading-icon {
    background: #fff7ed;
    border-color: #fed7aa;
    color: #f97316;
}

.hiw-step h3,
.hiw-flow-card h3,
.hiw-reading-card h3,
.hiw-sample-card h3 {
    color: var(--color-navy);
    font-size: 1.02rem;
    line-height: 1.22;
    margin: 0 0 10px;
}

.hiw-step p,
.hiw-flow-card p,
.hiw-reading-card p,
.hiw-sample-card p {
    color: #475569;
    font-size: .92rem;
    line-height: 1.64;
    margin: 0;
}

.hiw-flow-section {
    padding-top: 18px;
}

.hiw-flow-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr) auto minmax(0, 1fr);
    align-items: center;
    gap: 18px;
    padding: 26px;
}

.hiw-flow-card {
    min-height: 250px;
    border: 1px solid #dbe7f6;
    border-radius: 16px;
    background: #fff;
    box-shadow: 0 14px 34px rgba(15, 23, 42, .06);
    padding: 22px;
    position: relative;
}

.hiw-flow-number {
    display: grid;
    place-items: center;
    width: 27px;
    height: 27px;
    border-radius: 999px;
    background: var(--color-blue);
    color: #fff;
    font-size: .86rem;
    font-weight: 850;
    margin-bottom: 10px;
}

.hiw-flow-arrow {
    color: var(--color-blue);
    font-size: 2rem;
    font-weight: 800;
}

.hiw-mini-form,
.hiw-mini-chart,
.hiw-mini-result {
    border: 1px solid #dbe7f6;
    border-radius: 12px;
    background: #f8fbff;
    margin-top: 18px;
    padding: 14px;
}

.hiw-mini-form {
    display: grid;
    gap: 10px;
}

.hiw-mini-form label {
    display: flex;
    justify-content: space-between;
    color: #475569;
    font-size: .78rem;
    font-weight: 750;
}

.hiw-mini-form strong {
    color: var(--color-navy);
}

.hiw-mini-form div {
    height: 7px;
    border-radius: 999px;
    background: #e2e8f0;
    overflow: hidden;
}

.hiw-mini-form span {
    display: block;
    height: 100%;
    border-radius: inherit;
    background: var(--color-blue);
}

.hiw-meter--home-price {
    width: 70%;
}

.hiw-meter--loan-term {
    width: 58%;
}

.hiw-mini-chart {
    display: grid;
    grid-template-columns: 58px minmax(0, 1fr);
    gap: 14px;
    align-items: end;
}

.hiw-mini-bars {
    display: flex;
    align-items: end;
    gap: 5px;
    height: 66px;
}

.hiw-mini-bars span {
    width: 10px;
    border-radius: 999px 999px 0 0;
    background: linear-gradient(180deg, #60a5fa, #2563eb);
}

.hiw-mini-bars span:nth-child(1) { height: 36%; }
.hiw-mini-bars span:nth-child(2) { height: 56%; }
.hiw-mini-bars span:nth-child(3) { height: 72%; }
.hiw-mini-bars span:nth-child(4) { height: 46%; }

.hiw-mini-chart svg {
    width: 100%;
    height: 68px;
}

.hiw-mini-chart path {
    fill: none;
    stroke: var(--color-blue);
    stroke-width: 5;
    stroke-linecap: round;
}

.hiw-mini-result {
    display: grid;
    gap: 7px;
}

.hiw-mini-result small {
    color: #64748b;
    font-weight: 800;
}

.hiw-mini-result strong {
    color: #059669;
    margin-bottom: 4px;
}

.hiw-mini-result span {
    color: #334155;
    font-size: .82rem;
    font-weight: 700;
}

.hiw-mini-result span::before {
    content: "\2713";
    display: inline-grid;
    place-items: center;
    width: 17px;
    height: 17px;
    border-radius: 999px;
    background: #dcfce7;
    color: #059669;
    margin-right: 7px;
}

.hiw-reading-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 18px;
}

.hiw-reading-card,
.hiw-sample-card {
    display: flex;
    flex-direction: column;
    min-width: 0;
    border: 1px solid #dbe7f6;
    border-radius: 18px;
    background: rgba(255, 255, 255, .96);
    box-shadow: 0 18px 44px rgba(15, 23, 42, .08);
    padding: 22px;
}

.hiw-reading-card p,
.hiw-sample-card p {
    flex: 1;
}

.hiw-card-visual {
    min-height: 58px;
    margin-top: 20px;
}

.hiw-card-visual--guide {
    display: flex;
    gap: 10px;
    align-items: end;
}

.hiw-card-visual--guide span {
    height: 9px;
    flex: 1;
    border-radius: 999px;
    background: #ccfbf1;
}

.hiw-card-visual--guide span:first-child {
    height: 13px;
    background: var(--color-teal);
}

.hiw-card-visual--slider {
    display: grid;
    grid-template-columns: auto minmax(80px, 1fr) auto;
    align-items: center;
    gap: 8px;
}

.hiw-card-visual--slider small {
    color: #64748b;
    font-size: .72rem;
    font-weight: 800;
}

.hiw-card-visual--slider span {
    position: relative;
    height: 11px;
    border-radius: 999px;
    background: linear-gradient(90deg, #ede9fe, #8b5cf6);
}

.hiw-card-visual--slider span::after {
    content: "";
    position: absolute;
    left: 56%;
    top: 50%;
    width: 22px;
    height: 22px;
    border-radius: 999px;
    background: #fff;
    border: 5px solid #8b5cf6;
    transform: translate(-50%, -50%);
    box-shadow: 0 8px 16px rgba(139, 92, 246, .22);
}

.hiw-card-visual--donut {
    display: grid;
    place-items: center;
}

.hiw-card-visual--donut span {
    width: 58px;
    height: 58px;
    border-radius: 999px;
    background: conic-gradient(#2563eb 0 42%, #60a5fa 42% 68%, #bfdbfe 68% 100%);
    position: relative;
}

.hiw-card-visual--donut span::after {
    content: "";
    position: absolute;
    inset: 15px;
    border-radius: inherit;
    background: #fff;
}

.hiw-card-visual--risk {
    display: grid;
    gap: 8px;
}

.hiw-card-visual--risk span {
    height: 9px;
    border-radius: 999px;
    background: #fed7aa;
    position: relative;
}

.hiw-card-visual--risk span::before {
    content: "";
    position: absolute;
    left: 0;
    top: 50%;
    width: 16px;
    height: 16px;
    border-radius: 999px;
    background: #f97316;
    transform: translateY(-50%);
}

.hiw-sample-grid {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 18px;
}

.hiw-sample-card {
    padding: 16px;
}

.hiw-sample-thumb {
    height: 116px;
    border: 1px solid #dbe7f6;
    border-radius: 14px;
    background:
        linear-gradient(135deg, rgba(255,255,255,.86), rgba(248,251,255,.94)),
        radial-gradient(circle at top right, rgba(37, 99, 235, .16), transparent 46%);
    margin-bottom: 16px;
    overflow: hidden;
    position: relative;
}

.hiw-sample-thumb span {
    position: absolute;
    display: block;
    border-radius: 999px;
    background: var(--color-blue);
    opacity: .85;
}

.hiw-sample-thumb span:nth-child(1) { left: 16px; top: 18px; width: 58px; height: 7px; opacity: .18; }
.hiw-sample-thumb span:nth-child(2) { left: 16px; bottom: 20px; width: 16px; height: 40px; border-radius: 6px 6px 0 0; }
.hiw-sample-thumb span:nth-child(3) { left: 42px; bottom: 20px; width: 16px; height: 58px; border-radius: 6px 6px 0 0; }
.hiw-sample-thumb span:nth-child(4) { left: 68px; bottom: 20px; width: 16px; height: 30px; border-radius: 6px 6px 0 0; }

.hiw-sample-card--teal .hiw-sample-thumb span {
    background: var(--color-teal);
}

.hiw-sample-card--purple .hiw-sample-thumb span {
    background: var(--color-purple);
}

.hiw-sample-thumb::after {
    content: "";
    position: absolute;
    right: 14px;
    top: 18px;
    width: 50px;
    height: 50px;
    border: 10px solid #bfdbfe;
    border-top-color: var(--color-blue);
    border-radius: 999px;
}

.hiw-sample-card--teal .hiw-sample-thumb::after {
    border-color: #ccfbf1;
    border-top-color: var(--color-teal);
}

.hiw-sample-card--purple .hiw-sample-thumb::after {
    border-color: #ddd6fe;
    border-top-color: var(--color-purple);
}

.hiw-sample-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 9px;
    margin-top: 18px;
}

.hiw-sample-actions .btn {
    min-height: 42px;
    border-radius: 9px;
    font-size: .78rem;
    font-weight: 800;
    padding: 9px 10px;
}

.hiw-disclaimer {
    border: 1px solid #bfdbfe;
    border-radius: 16px;
    background: #eff6ff;
    color: #475569;
    padding: 18px 20px;
}

.hiw-disclaimer svg {
    color: var(--color-blue);
}

.hiw-disclaimer p {
    margin: 0;
    line-height: 1.6;
}

.hiw-alerts-section {
    padding-bottom: 18px;
}

.hiw-alerts-card {
    display: grid;
    grid-template-columns: minmax(0, .86fr) minmax(0, 1.25fr);
    gap: 28px;
    align-items: center;
    padding: clamp(22px, 4vw, 34px);
}

.hiw-alerts-intro {
    display: grid;
    grid-template-columns: 170px minmax(0, 1fr);
    gap: 22px;
    align-items: center;
}

.hiw-alerts-intro img {
    display: block;
    width: min(170px, 100%);
    height: auto;
    border-radius: 18px;
}

.hiw-alerts-intro h2 {
    color: var(--color-navy);
    font-size: clamp(2rem, 4vw, 3rem);
    line-height: 1.08;
    margin: 12px 0 10px;
}

.hiw-alerts-intro p {
    color: #64748b;
    line-height: 1.7;
    margin: 0;
}

.hiw-alerts-card .hdl-newsletter {
    display: block;
    border: 0;
    border-radius: 0;
    background: transparent;
    box-shadow: none;
    margin: 0;
    max-width: none;
    padding: 0;
}

.hiw-alerts-card .hdl-newsletter__content {
    display: none;
}

.hiw-alerts-card .hdl-newsletter__form {
    align-self: center;
}

@media (max-width: 1120px) {
    .hiw-stepper,
    .hiw-reading-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .hiw-stepper::before {
        display: none;
    }

    .hiw-sample-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 920px) {
    .hiw-hero {
        background-image:
            linear-gradient(180deg, rgba(255,255,255,0.98) 0%, rgba(255,255,255,0.94) 56%, rgba(255,255,255,0.76) 100%),
            url('/assets/images/how-it-works-hero-bg.png');
        background-position: 66% top;
        padding: 48px 0 46px;
    }

    .hiw-flow-grid,
    .hiw-alerts-card {
        grid-template-columns: 1fr;
    }

    .hiw-flow-arrow {
        transform: rotate(90deg);
        justify-self: center;
    }

    .hiw-alerts-intro {
        grid-template-columns: 130px minmax(0, 1fr);
    }
}

@media (max-width: 680px) {
    .hiw-page .nav-links a[href="/how-it-works"] {
        color: #fff;
        background: rgba(255, 255, 255, .08);
    }

    .hiw-page .nav-links a[href="/how-it-works"]::after {
        display: none;
    }

    .hiw-hero {
        min-height: auto;
        background-position: 74% top;
        padding: 40px 0 40px;
    }

    .hiw-hero h1 {
        font-size: clamp(2.25rem, 10vw, 3.1rem);
    }

    .hiw-actions .btn,
    .hiw-sample-actions .btn {
        width: 100%;
    }

    .hiw-trust-row span {
        width: 100%;
    }

    .hiw-stepper,
    .hiw-reading-grid,
    .hiw-sample-grid {
        grid-template-columns: 1fr;
    }

    .hiw-process-card {
        margin-top: -18px;
        padding: 22px 16px 16px;
    }

    .hiw-step {
        min-height: auto;
        margin-top: 0;
        padding-top: 20px;
    }

    .hiw-step-number {
        transform: none;
        margin: 0 0 16px;
        justify-self: start;
    }

    .hiw-sample-actions {
        grid-template-columns: 1fr;
    }

    .hiw-disclaimer {
        align-items: flex-start;
    }

    .hiw-alerts-intro {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hiw-alerts-intro img {
        margin: 0 auto;
        max-width: 190px;
    }
}