/*
 * "How It Works" page (/how-it-works/).
 * Loads AFTER core/css/style.css, so it reuses the palette CSS variables,
 * Noto Sans, .container and the black .header. All page-specific classes are
 * prefixed `hiw-` to avoid clashing with the landing/agencies/fi section classes.
 */

.hiw {
    font-family: 'Noto Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--color-dark);
}

.hiw-section-title {
    font-size: 40px;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 16px;
}

.hiw-underline {
    text-decoration: underline;
}

/* ---------------------------------------------------------------- HERO */
.hiw-hero {
    background-color: var(--color-black);
    color: var(--color-white);
    padding: 64px 0 80px;
}

.hiw-hero__grid {
    display: grid;
    grid-template-columns: 3fr 2fr;
    gap: 48px;
    align-items: center;
}

.hiw-hero__title {
    font-size: 44px;
    font-weight: 700;
    line-height: 1.1;
    padding-left: 20px;
    border-left: 6px solid var(--color-gold);
    margin-bottom: 16px;
}

.hiw-hero__subtitle {
    font-size: 18px;
    font-weight: 500;
    color: var(--color-gray-lighter);
    margin-bottom: 24px;
}

.hiw-hero__para {
    font-size: 15px;
    line-height: 1.7;
    color: var(--color-gray-lighter);
    max-width: 620px;
    margin-bottom: 20px;
}

.hiw-hero__gold {
    font-size: 16px;
    font-weight: 700;
    color: var(--color-gold);
    margin-bottom: 20px;
}

.hiw-hero__image-wrap {
    border-radius: var(--radius-md);
    overflow: hidden;
}

.hiw-hero__image {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
    filter: grayscale(1);
}

/* --------------------------------------------------------------- STEPS */
.hiw-steps {
    background-color: var(--color-white);
    padding: 80px 0;
}

.hiw-steps__list {
    display: flex;
    flex-direction: column;
    gap: 32px;
    margin-top: 48px;
}

.hiw-step {
    display: flex;
    gap: 24px;
    border: 1px solid var(--color-border-light);
    border-radius: var(--radius-md);
    padding: 28px 32px;
}

.hiw-step__marker {
    flex-shrink: 0;
    display: inline-flex;
    align-items: flex-start;
    justify-content: center;
    width: 40px;
    font-size: 20px;
    font-weight: 700;
    color: var(--color-gold);
}

.hiw-step__title {
    font-size: 18px;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 12px;
}

.hiw-step__text {
    font-size: 14px;
    line-height: 1.7;
    color: var(--color-gray-medium);
    margin-bottom: 12px;
}

.hiw-step__text:last-child {
    margin-bottom: 0;
}

.hiw-step__list {
    margin: 0 0 12px;
    padding-left: 18px;
}

.hiw-step__list li {
    font-size: 14px;
    line-height: 1.8;
    color: var(--color-gray-medium);
}

/* -------------------------------------------------------- RATING CARDS */
.hiw-rating-cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 20px;
}

.hiw-rating-card {
    border-radius: var(--radius-md);
    padding: 20px;
}

.hiw-rating-card--a {
    background-color: #E8F7EE;
}

.hiw-rating-card--b {
    background-color: #FBF3D6;
}

.hiw-rating-card--c {
    background-color: #FBE4E4;
}

.hiw-rating-card--d {
    background-color: #F5F5F5;
}

.hiw-rating-card__title {
    font-size: 18px;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 8px;
}

.hiw-rating-card__rate {
    font-size: 14px;
    color: var(--color-gray-medium);
    margin-bottom: 4px;
}

.hiw-rating-card__note {
    font-size: 13px;
    line-height: 1.6;
    color: var(--color-gray-medium);
    margin: 0;
}

/* ----------------------------------------------------------- FINANCING */
.hiw-financing {
    background-color: #F5F5F5;
    padding: 80px 0;
}

.hiw-financing__grid {
    display: grid;
    grid-template-columns: 3fr 2fr;
    gap: 48px;
    align-items: center;
}

.hiw-financing__para {
    font-size: 15px;
    line-height: 1.7;
    color: var(--color-gray-medium);
    max-width: 560px;
}

.hiw-example-card {
    background-color: var(--color-white);
    border-radius: var(--radius-md);
    padding: 28px 32px;
}

.hiw-example-card__label {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.06em;
    color: var(--color-gold-dark);
    margin-bottom: 12px;
}

.hiw-example-card__caption {
    font-size: 14px;
    color: var(--color-gray-medium);
    margin-bottom: 8px;
}

.hiw-example-card__figure {
    font-size: 32px;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 16px;
}

.hiw-example-card__note {
    font-size: 13px;
    line-height: 1.6;
    color: var(--color-gray-medium);
    margin: 0;
}

/* --------------------------------------------------------- TRANSPARENCY */
.hiw-transparency {
    background-color: var(--color-black);
    color: var(--color-white);
    padding: 80px 0;
}

.hiw-transparency .hiw-section-title {
    color: var(--color-white);
}

.hiw-transparency__para {
    font-size: 15px;
    line-height: 1.6;
    color: var(--color-gray-lighter);
    max-width: 700px;
    margin-bottom: 4px;
}

.hiw-transparency__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.hiw-transparency-card {
    position: relative;
    background-color: #2A2A2A;
    border-radius: var(--radius-md);
    padding: 28px 24px;
}

.hiw-transparency-card__dot {
    display: inline-block;
    width: 8px;
    height: 8px;
    border-radius: var(--radius-circle);
    background-color: var(--color-gold);
    margin-bottom: 16px;
}

.hiw-transparency-card__title {
    font-size: 15px;
    font-weight: 700;
    color: var(--color-white);
    margin-bottom: 10px;
}

.hiw-transparency-card__text {
    font-size: 13px;
    line-height: 1.6;
    color: var(--color-gray-lighter);
}

/* ---------------------------------------------------------- FOOTER CTA */
.hiw-footer-cta {
    background-color: var(--color-gold);
    padding: 72px 0;
}

.hiw-footer-cta__title {
    font-size: 40px;
    font-weight: 700;
    color: var(--color-black);
    margin-bottom: 16px;
}

.hiw-footer-cta__text {
    font-size: 15px;
    line-height: 1.6;
    color: var(--color-gray-medium);
    max-width: 620px;
    margin-bottom: 8px;
}

.hiw-footer-cta__actions {
    display: flex;
    gap: 16px;
    margin-top: 32px;
}

/* ---------------------------------------------------------- RESPONSIVE */
@media (max-width: 992px) {
    .hiw-hero__grid,
    .hiw-financing__grid {
        grid-template-columns: 1fr;
    }

    .hiw-hero__image-wrap {
        order: -1;
    }

    .hiw-rating-cards {
        grid-template-columns: repeat(2, 1fr);
    }

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

    .hiw-section-title,
    .hiw-footer-cta__title {
        font-size: 32px;
    }
}

@media (max-width: 576px) {
    .hiw-step {
        flex-direction: column;
        gap: 12px;
    }

    .hiw-rating-cards,
    .hiw-transparency__grid {
        grid-template-columns: 1fr;
    }

    .hiw-hero,
    .hiw-steps,
    .hiw-financing,
    .hiw-transparency {
        padding: 48px 0;
    }

    .hiw-example-card {
        padding: 20px;
    }

    .hiw-footer-cta__actions {
        flex-direction: column;
    }
}