/* =============================================
   HOW IT WORKS PAGE (/how-it-works), new 2026-08-24
   ============================================= */
.hiw-hero-section { padding: 56px 0 40px; }
.hiw-hero { text-align: center; }
.hiw-hero .section-sub { margin: 0 auto; }
.hiw-hero .btns { margin-top: 24px; }

/* ===== Timeline ===== */
.hiw-timeline {
  position: relative;
  max-width: 620px;
  margin: 48px auto 0;
}
.hiw-timeline::before {
  content: "";
  position: absolute;
  left: 27px;
  top: 6px;
  bottom: 6px;
  width: 2px;
  background: var(--border);
}
.hiw-step { position: relative; padding-left: 74px; padding-bottom: 36px; }
.hiw-step:last-child { padding-bottom: 0; }
.hiw-step__num {
  position: absolute;
  left: 0;
  top: 0;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 20px;
  box-shadow: 0 8px 20px rgba(16, 27, 51, 0.2);
}
.hiw-step__title { font-size: 18px; font-weight: 800; margin: 4px 0 8px; }
.hiw-step__body { font-size: 14.5px; color: var(--muted); margin: 0; max-width: 60ch; }

/* ===== FAQ ===== */
.hiw-faq-section { padding: 56px 0; background: var(--bg-alt); }
.hiw-faq { max-width: 700px; margin: 30px auto 0; }
.hiw-faq-item { border-bottom: 1px solid var(--border); padding: 18px 0; }
.hiw-faq-item:last-child { border-bottom: none; }
.hiw-faq-q { font-weight: 700; font-size: 15px; margin: 0 0 6px; }
.hiw-faq-a { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.6; }

/* ===== Payment breakdown ===== */
.hiw-pay-section { padding: 56px 0; }
.hiw-pay { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 30px; }
.hiw-pay__card {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 22px;
  text-align: center;
}
.hiw-pay__card--active { border-color: var(--accent); }
.hiw-pay__pct { font-size: 28px; font-weight: 800; color: var(--navy); }
.hiw-pay__label { font-size: 13px; color: var(--muted); margin-top: 4px; }

@media (max-width: 767px) {
  .hiw-pay { grid-template-columns: 1fr; }
  .hiw-step { padding-left: 64px; }
  .hiw-step__num { width: 46px; height: 46px; font-size: 17px; }
  .hiw-timeline::before { left: 22px; }
}