:root {
  --hiw-navy:     #1a2d5a;
  --hiw-blue:     #1e3f8f;
  --hiw-deepblue: #0d1a3a;
  --hiw-midblue:  #2e52a8;
  --hiw-white:    #ffffff;
  --hiw-offwhite: #f4f6fb;
  --hiw-light:    #eef1f8;
  --hiw-text:     #2c3e6b;
  --hiw-muted:    #5a6a7a;
  --hiw-border:   #dde3ef;
}

html { scroll-behavior: smooth; }

body {
  background: var(--hiw-white);
  color: var(--hiw-text);
}

/* ─────────────────────────────────────
   HERO — bg jpg image
───────────────────────────────────── */
.atd-howitwork-page-hero {
  position: relative;
  min-height: 480px;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
}

.atd-howitwork-page-hero-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  filter: brightness(0.38);
}

/* dot texture */
.atd-howitwork-page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 24px 24px;
  z-index: 1;
  pointer-events: none;
}

/* diagonal white cut */
.atd-howitwork-page-hero::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0; right: 0;
  height: 80px;
  background: var(--hiw-white);
  clip-path: polygon(0 60%, 100% 0, 100% 100%, 0 100%);
  z-index: 2;
}

.atd-howitwork-page-hero-content {
  position: relative;
  z-index: 3;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px 88px;
  width: 100%;
}

.atd-howitwork-page-hero-sup {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 14px;
}

.atd-howitwork-page-hero-title {
  font-size: clamp(36px, 6vw, 62px);
  font-weight: 800;
  color: var(--hiw-white);
  line-height: 1.15;
  margin-bottom: 16px;
}

.atd-howitwork-page-hero-sub {
  font-size: 18px;
  font-weight: 500;
  color: rgba(255,255,255,0.68);
  max-width: 480px;
  line-height: 1.6;
  margin-bottom: 30px;
}

/* hero pills */
.atd-howitwork-page-hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.atd-howitwork-page-pill {
  background: rgba(255,255,255,0.11);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 100px;
  padding: 7px 18px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--hiw-white);
  backdrop-filter: blur(4px);
  display: flex;
  align-items: center;
  gap: 7px;
}
.atd-howitwork-page-pill i { font-size: 11px; }

/* ─────────────────────────────────────
   INTRO BAND
───────────────────────────────────── */
.atd-howitwork-page-intro {
  background: var(--hiw-white);
  padding: 64px 24px 56px;
  text-align: center;
}

.atd-howitwork-page-intro-inner {
  max-width: 640px;
  margin: 0 auto;
}

.atd-howitwork-page-sup {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--hiw-midblue);
  margin-bottom: 10px;
}

.atd-howitwork-page-section-title {
  font-size: clamp(26px, 3.5vw, 40px);
  font-weight: 800;
  color: var(--hiw-navy);
  line-height: 1.25;
  margin-bottom: 14px;
}

.atd-howitwork-page-section-title-white {
  color: var(--hiw-white);
}

.atd-howitwork-page-bar {
  width: 48px;
  height: 3px;
  background: var(--hiw-blue);
  border-radius: 2px;
  margin: 0 auto 22px;
}

.atd-howitwork-page-bar-white {
  background: rgba(255,255,255,0.35);
}

.atd-howitwork-page-body {
  font-size: 15px;
  color: var(--hiw-muted);
  line-height: 1.8;
}

/* ─────────────────────────────────────
   PROCESS FLOW — vertical timeline
───────────────────────────────────── */
.atd-howitwork-page-flow {
  background: var(--hiw-offwhite);
  padding: 70px 24px 90px;
}

.atd-howitwork-page-flow-inner {
  max-width: 860px;
  margin: 0 auto;
}

.atd-howitwork-page-flow-header {
  text-align: center;
  margin-bottom: 60px;
}
.atd-howitwork-page-flow-header .atd-howitwork-page-bar {
  margin: 0 auto 0;
}

/* Timeline track */
.atd-howitwork-page-timeline {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 0;
}

/* vertical line through the middle of badges */
.atd-howitwork-page-timeline::before {
  content: '';
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  top: 36px;
  bottom: 36px;
  width: 2px;
  background: linear-gradient(to bottom, var(--hiw-blue), rgba(30,63,143,0.1));
  z-index: 0;
}

/* step row */
.atd-howitwork-page-step {
  display: flex;
  align-items: flex-start;
  gap: 0;
  position: relative;
  z-index: 1;
  margin-bottom: 40px;
}

.atd-howitwork-page-step:last-child { margin-bottom: 0; }

/* alternating: odd = content left, badge center, empty right
              even = empty left, badge center, content right */
.atd-howitwork-page-step-left {
  flex: 1;
  display: flex;
  justify-content: flex-end;
  padding-right: 36px;
}

.atd-howitwork-page-step-right {
  flex: 1;
  padding-left: 36px;
}

.atd-howitwork-page-step:nth-child(even) .atd-howitwork-page-step-left {
  order: 3;
  justify-content: flex-start;
  padding-right: 0;
  padding-left: 36px;
}
.atd-howitwork-page-step:nth-child(even) .atd-howitwork-page-step-center {
  order: 2;
}
.atd-howitwork-page-step:nth-child(even) .atd-howitwork-page-step-right {
  order: 1;
  padding-left: 0;
  padding-right: 36px;
  display: flex;
  justify-content: flex-end;
}

/* center badge column */
.atd-howitwork-page-step-center {
  flex: 0 0 72px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
}

/* icon badge */
.atd-howitwork-page-badge {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--hiw-navy);
  border: 3px solid var(--hiw-white);
  box-shadow: 0 0 0 3px var(--hiw-blue), 0 8px 24px rgba(26,45,90,0.22);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.3s, transform 0.3s;
  position: relative;
  z-index: 2;
}

.atd-howitwork-page-step:hover .atd-howitwork-page-badge {
  background: var(--hiw-blue);
  transform: scale(1.1);
}

.atd-howitwork-page-badge i {
  font-size: 24px;
  color: var(--hiw-white);
}

/* step number inside badge */
.atd-howitwork-page-badge-num {
  position: absolute;
  top: -4px;
  right: -4px;
  width: 22px;
  height: 22px;
  background: var(--hiw-white);
  color: var(--hiw-navy);
  border-radius: 50%;
  font-size: 10px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
  border: 1.5px solid var(--hiw-blue);
}

/* step card */
.atd-howitwork-page-step-card {
  background: var(--hiw-white);
  border: 1.5px solid var(--hiw-border);
  border-radius: 10px;
  padding: 24px 26px;
  max-width: 360px;
  box-shadow: 0 4px 18px rgba(26,45,90,0.07);
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
  position: relative;
  overflow: hidden;
}

.atd-howitwork-page-step-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--hiw-blue);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

.atd-howitwork-page-step:hover .atd-howitwork-page-step-card {
  transform: translateY(-4px);
  box-shadow: 0 14px 36px rgba(26,45,90,0.13);
  border-color: transparent;
}
.atd-howitwork-page-step:hover .atd-howitwork-page-step-card::before {
  transform: scaleX(1);
}

.atd-howitwork-page-step-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--hiw-midblue);
  margin-bottom: 7px;
}

.atd-howitwork-page-step-title {
  font-size: 16.5px;
  font-weight: 700;
  color: var(--hiw-navy);
  margin-bottom: 9px;
  line-height: 1.3;
}

.atd-howitwork-page-step-text {
  font-size: 13.5px;
  color: var(--hiw-muted);
  line-height: 1.72;
}

/* ─────────────────────────────────────
   GUARANTEE BAND — dark navy
───────────────────────────────────── */
.atd-howitwork-page-guarantee {
  background: var(--hiw-navy);
  padding: 70px 24px 80px;
  position: relative;
  overflow: hidden;
}

.atd-howitwork-page-guarantee::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 26px 26px;
  pointer-events: none;
}

.atd-howitwork-page-guarantee::after {
  content: '';
  position: absolute;
  width: 460px; height: 460px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.06);
  bottom: -180px; right: -130px;
  pointer-events: none;
}

.atd-howitwork-page-guarantee-inner {
  max-width: 1080px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.atd-howitwork-page-guarantee-header {
  text-align: center;
  margin-bottom: 48px;
}
.atd-howitwork-page-guarantee-header .atd-howitwork-page-bar-white { margin: 0 auto; }

.atd-howitwork-page-guarantee-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.atd-howitwork-page-guarantee-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.11);
  border-radius: 10px;
  padding: 32px 24px 28px;
  text-align: center;
  transition: background 0.3s, transform 0.3s;
}

.atd-howitwork-page-guarantee-card:hover {
  background: rgba(255,255,255,0.12);
  transform: translateY(-5px);
}

.atd-howitwork-page-guarantee-icon {
  width: 60px;
  height: 60px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  transition: background 0.3s;
}

.atd-howitwork-page-guarantee-card:hover .atd-howitwork-page-guarantee-icon {
  background: rgba(255,255,255,0.18);
}

.atd-howitwork-page-guarantee-icon i {
  font-size: 24px;
  color: var(--hiw-white);
}

.atd-howitwork-page-guarantee-title {
  font-size: 15.5px;
  font-weight: 700;
  color: var(--hiw-white);
  margin-bottom: 10px;
  line-height: 1.35;
}

.atd-howitwork-page-guarantee-text {
  font-size: 13.5px;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
}

/* ─────────────────────────────────────
   CTA BAND
───────────────────────────────────── */
.atd-howitwork-page-cta {
  background: var(--hiw-deepblue);
  padding: 70px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.atd-howitwork-page-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 22px 22px;
  pointer-events: none;
}

.atd-howitwork-page-cta-inner {
  max-width: 640px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.atd-howitwork-page-cta-title {
  font-size: clamp(26px, 4vw, 40px);
  font-weight: 800;
  color: var(--hiw-white);
  margin-bottom: 14px;
  line-height: 1.25;
}

.atd-howitwork-page-cta-sub {
  font-size: 15px;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin-bottom: 34px;
}

.atd-howitwork-page-cta-btns {
  display: flex;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}

.atd-howitwork-page-btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--hiw-white);
  color: var(--hiw-navy);
  border: none;
  border-radius: 6px;
  padding: 14px 30px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.25s, transform 0.2s, box-shadow 0.25s;
}

.atd-howitwork-page-btn-primary:hover {
  background: var(--hiw-offwhite);
  transform: translateY(-3px);
  box-shadow: 0 10px 28px rgba(255,255,255,0.15);
}

.atd-howitwork-page-btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: transparent;
  color: var(--hiw-white);
  border: 2px solid rgba(255,255,255,0.3);
  border-radius: 6px;
  padding: 13px 30px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  text-decoration: none;
  transition: border-color 0.25s, background 0.25s, transform 0.2s;
}

.atd-howitwork-page-btn-outline:hover {
  border-color: rgba(255,255,255,0.7);
  background: rgba(255,255,255,0.06);
  transform: translateY(-3px);
}

/* ─────────────────────────────────────
   RESPONSIVE
───────────────────────────────────── */
@media (max-width: 720px) {
  /* collapse timeline to single column */
  .atd-howitwork-page-timeline::before { left: 36px; transform: none; }

  .atd-howitwork-page-step {
    flex-direction: row;
    align-items: flex-start;
    gap: 0;
    margin-bottom: 32px;
  }

  .atd-howitwork-page-step-center {
    flex: 0 0 72px;
    order: 1 !important;
  }

  .atd-howitwork-page-step-left,
  .atd-howitwork-page-step-right,
  .atd-howitwork-page-step:nth-child(even) .atd-howitwork-page-step-left,
  .atd-howitwork-page-step:nth-child(even) .atd-howitwork-page-step-right {
    flex: 1;
    order: 2 !important;
    justify-content: flex-start;
    padding: 0 0 0 20px;
    max-width: 100%;
  }

  /* hide empty spacer side */
  .atd-howitwork-page-step > .atd-howitwork-page-step-left:empty,
  .atd-howitwork-page-step > .atd-howitwork-page-step-right:empty { display: none; }

  .atd-howitwork-page-step-card { max-width: 100%; }

  .atd-howitwork-page-guarantee-grid { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .atd-howitwork-page-hero { min-height: 400px; }
  .atd-howitwork-page-hero-content { padding-bottom: 70px; }
}