#hiw-hero {
    background: #f5f0ff;
    padding: 112px 24px 128px;
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-hero {
        padding: 176px 24px 208px;
    }
}

.hiw-hero-container {
    max-width: 1100px;
    margin: 0 auto;
}

.hiw-hero-inner {
    max-width: 700px;
    margin: 0 auto;
    text-align: center;
}

.hiw-hero-label {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: #999999;
    margin: 0 0 20px;
    font-family: 'Inter', sans-serif;
}

.hiw-hero-title {
    font-size: clamp(2.75rem, 6vw, 4.25rem);
    font-weight: 800;
    color: #2a2259;
    line-height: 1.04;
    letter-spacing: -0.03em;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.hiw-hero-text {
    margin: 32px auto 0;
    max-width: 560px;
    font-size: clamp(16px, 2vw, 18px);
    color: #666666;
    line-height: 1.75;
    font-family: 'Inter', sans-serif;
}


#hiw-steps {
    padding: 112px 24px;
    background: #ffffff;
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-steps {
        padding: 160px 24px;
    }
}

.hiw-steps-container {
    max-width: 760px;
    margin: 0 auto;
}

/* ── Header ── */
.hiw-steps-header {
    text-align: center;
    margin-bottom: 80px;
}

.hiw-steps-title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: #2a2259;
    line-height: 1.08;
    letter-spacing: -0.03em;
    margin: 0 0 20px;
    font-family: 'Inter', sans-serif;
}

.hiw-steps-subtitle {
    font-size: 15px;
    color: #999999;
    line-height: 1.7;
    margin: 0 auto;
    max-width: 480px;
    font-family: 'Inter', sans-serif;
}

/* ── Steps list ── */
.hiw-steps-list {
    display: flex;
    flex-direction: column;
    gap: 0;
}

/* ── Single step ── */
.hiw-step {
    display: flex;
    gap: 32px;
    padding-bottom: 64px;
    position: relative;
}

/* Vertical connector line */
.hiw-step:not(.hiw-step--last) .hiw-step-num-wrap::after {
    content: '';
    position: absolute;
    top: 56px;
    left: 27px;
    width: 2px;
    height: calc(100% - 56px);
    background: #f0f0f0;
}

.hiw-step--last {
    padding-bottom: 0;
}

/* ── Number bubble ── */
.hiw-step-num-wrap {
    flex-shrink: 0;
    position: relative;
}

.hiw-step-num {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: #2a2259;
    color: #ffffff;
    font-size: 14px;
    font-weight: 700;
    font-family: 'Inter', sans-serif;
    display: flex;
    align-items: center;
    justify-content: center;
    letter-spacing: 0.04em;
}

/* ── Step body ── */
.hiw-step-body {
    padding-top: 12px;
    flex: 1;
}

.hiw-step-title {
    font-size: 18px;
    font-weight: 700;
    color: #333333;
    margin: 0 0 12px;
    font-family: 'Inter', sans-serif;
}

.hiw-step-text {
    font-size: 15px;
    color: #555555;
    line-height: 1.75;
    margin: 0 0 12px;
    font-family: 'Inter', sans-serif;
}

.hiw-step-note {
    font-size: 14px;
    color: #999999;
    line-height: 1.7;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Responsive ── */
@media (max-width: 480px) {
    .hiw-step {
        gap: 20px;
    }

    .hiw-step-num {
        width: 44px;
        height: 44px;
        font-size: 12px;
    }

    .hiw-step:not(.hiw-step--last) .hiw-step-num-wrap::after {
        left: 21px;
        top: 44px;
    }
}


#hiw-system {
    padding: 96px 24px;
    background: #1A1A2E;
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-system {
        padding: 144px 24px;
    }
}

.sys-container {
    max-width: 900px;
    margin: 0 auto;
}

/* ── Header ── */
.sys-header {
    text-align: center;
    margin-bottom: 64px;
    max-width: 660px;
    margin-left: auto;
    margin-right: auto;
}

.sys-label {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: #ffffff;
    margin: 0 0 16px;
    font-family: 'Inter', sans-serif;
}

.sys-title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: #ffffff;
    line-height: 1.08;
    letter-spacing: -0.03em;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.sys-subtitle {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.7;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Two-col grid ── */
.sys-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}

@media (max-width: 680px) {
    .sys-grid {
        grid-template-columns: 1fr;
    }
}

/* ── Cards ── */
.sys-card {
    background: #1A1A2E;
    border-radius: 14px;
    padding: 32px;
    border: 1px solid rgba(255, 255, 255, 0.06);
}

.sys-card-label {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: #ffffff;
    margin: 0 0 20px;
    font-family: 'Inter', sans-serif;
}

.sys-card-text {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.75;
    margin: 0 0 16px;
    font-family: 'Inter', sans-serif;
}

.sys-card-text:last-child {
    margin-bottom: 0;
}

.sys-glossary {
    border-bottom: 1px dotted rgba(255, 255, 255, 0.3);
    cursor: help;
}

/* ── Checks ── */
.sys-checks {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.sys-check {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.sys-check-icon {
    color: #ffffff;
    font-size: 14px;
    flex-shrink: 0;
    margin-top: 1px;
    font-family: 'Inter', sans-serif;
}

.sys-check-title {
    font-size: 14px;
    font-weight: 600;
    color: #ffffff;
    margin: 0 0 4px;
    font-family: 'Inter', sans-serif;
}

.sys-check-text {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.65;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── World card ── */
.sys-world {
    background: #1A1A2E;
    border-radius: 14px;
    padding: 32px;
    border: 1px solid rgba(255, 255, 255, 0.06);
    margin-bottom: 40px;
}

.sys-world-text {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.75;
    margin: 0 0 28px;
    font-family: 'Inter', sans-serif;
}

.sys-world-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 8px;
}

@media (max-width: 680px) {
    .sys-world-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.sys-world-item {
    text-align: center;
    padding: 16px 10px;
    border-radius: 10px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.05);
}

.sys-world-name {
    font-size: 14px;
    font-weight: 600;
    color: #ffffff;
    margin: 0 0 4px;
    font-family: 'Inter', sans-serif;
}

.sys-world-country {
    font-size: 11px;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.5);
    margin: 0 0 6px;
    font-family: 'Inter', sans-serif;
}

.sys-world-note {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.4);
    line-height: 1.5;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Footer note ── */
.sys-footer-note {
    text-align: center;
}

.sys-footer-text {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin: 0 auto;
    max-width: 680px;
    font-family: 'Inter', sans-serif;
}

.sys-footer-link {
    color: #ffffff;
    font-weight: 500;
    text-decoration: none;
    font-family: 'Inter', sans-serif;
}

.sys-footer-link:hover {
    text-decoration: underline;
}


/* ════════════════════════════════════
   FOLLOW THE DOLLAR
════════════════════════════════════ */

#hiw-flow {
    padding: 80px 24px;
    background: #ffffff;
    border-top: 1px solid rgba(0, 0, 0, 0.08);
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-flow {
        padding: 112px 24px;
    }
}

.flow-container {
    max-width: 860px;
    margin: 0 auto;
}

.flow-header {
    text-align: center;
    margin-bottom: 52px;
}

.flow-label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: #999999;
    margin-bottom: 16px;
    font-family: 'Inter', sans-serif;
}

.flow-title {
    font-size: clamp(2rem, 4vw, 2.5rem);
    font-weight: 800;
    color: #2a2259;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0 0 16px;
    font-family: 'Inter', sans-serif;
}

.flow-subtitle {
    font-size: 15px;
    color: #999999;
    line-height: 1.7;
    margin: 18px auto;
    max-width: 600px;
    font-family: 'Inter', sans-serif;
}

/* ── Flow steps row ── */
.flow-steps {
    display: flex;
    flex-direction: row;
    align-items: center;
    justify-content: center;
    gap: 8px;
    flex-wrap: wrap;
    margin-bottom: 32px;
}

.flow-step {
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 8px;
}

.flow-step--last {
    gap: 0;
}

.flow-step-box {
    border-radius: 12px;
    padding: 20px 20px;
    text-align: center;
    min-width: 140px;
    border: 1px solid rgba(0, 0, 0, 0.1);
}

.flow-step-box--light {
    background: #ffffff;
}

.flow-step-box--dark {
    background: #2a2259;
    border-color: #2a2259;
}

.flow-step-name {
    font-size: 14px;
    font-weight: 600;
    color: #333333;
    margin: 0 0 4px;
    font-family: 'Inter', sans-serif;
}

.flow-step-name--dark {
    color: #ffffff;
}

.flow-step-desc {
    font-size: 11px;
    color: #999999;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.flow-arrow {
    font-size: 1.4rem;
    color: #cccccc;
    flex-shrink: 0;
    font-family: 'Inter', sans-serif;
}

.flow-arrow--v {
    display: none;
}

@media (max-width: 640px) {
    .flow-steps {
        flex-direction: column;
    }

    .flow-step {
        flex-direction: column;
    }

    .flow-arrow--h {
        display: none;
    }

    .flow-arrow--v {
        display: block;
    }
}





/* ── Key note ── */
.flow-note {
    background: #f5f0ff;
    border-radius: 12px;
    padding: 24px 28px;
}

.flow-note-text {
    font-size: 13px;
    color: #666666;
    line-height: 1.7;
    text-align: center;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.flow-note-strong {
    color: #333333;
    font-weight: 600;
}

/* ════════════════════════════════════
   THE PHYSICS
════════════════════════════════════ */

#hiw-physics {
    padding: 80px 24px;
    background: #ffffff;
    border-top: 1px solid rgba(0, 0, 0, 0.08);
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-physics {
        padding: 112px 24px;
    }
}

.phy-container {
    max-width: 860px;
    margin: 0 auto;
}

.phy-header {
    text-align: center;
    margin-bottom: 56px;
}

.phy-label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: #999999;
    margin-bottom: 16px;
    font-family: 'Inter', sans-serif;
}

.phy-title {
    font-size: clamp(2rem, 4vw, 2.5rem);
    font-weight: 800;
    color: #2a2259;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.phy-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px 48px;
}

@media (max-width: 600px) {
    .phy-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
}

.phy-item-title {
    font-size: 18px;
    font-weight: 700;
    color: #2a2259;
    margin: 0 0 12px;
    letter-spacing: -0.02em;
    font-family: 'Inter', sans-serif;
}

.phy-item-text {
    font-size: 14px;
    color: #666666;
    line-height: 1.7;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.phy-glossary {
    border-bottom: 1px dotted #aaaaaa;
    cursor: help;
}

/* ════════════════════════════════════
   SAVINGS SCORE
════════════════════════════════════ */

#hiw-score {
    padding: 112px 24px;
    background: #f5f0ff;
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-score {
        padding: 160px 24px;
    }
}

.score-container {
    max-width: 860px;
    margin: 0 auto;
}

.score-header {
    text-align: center;
    margin-bottom: 56px;
    max-width: 660px;
    margin-left: auto;
    margin-right: auto;
}

.score-title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: #2a2259;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.score-glossary {
    border-bottom: 2px dotted #2a2259;
    cursor: help;
}

.score-subtitle {
    font-size: 16px;
    color: #666666;
    line-height: 1.7;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Cards ── */
.score-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin-bottom: 24px;
}

@media (max-width: 680px) {
    .score-grid {
        grid-template-columns: 1fr;
    }
}

.score-card {
    background: #ffffff;
    border-radius: 14px;
    padding: 28px 24px;
    border: 1px solid rgba(42, 34, 89, 0.08);
}

.score-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 12px;
    gap: 8px;
}

.score-card-title {
    font-size: 16px;
    font-weight: 700;
    color: #2a2259;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.score-badge {
    font-size: 11px;
    font-weight: 600;
    color: #888888;
    background: #f0f0f0;
    border-radius: 999px;
    padding: 4px 10px;
    white-space: nowrap;
    font-family: 'Inter', sans-serif;
}

.score-card-text {
    font-size: 14px;
    color: #666666;
    line-height: 1.75;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Bottom note ── */
.score-note {
    background: #ffffff;
    border-radius: 14px;
    padding: 32px 36px;
    text-align: center;
    border: 1px solid rgba(42, 34, 89, 0.08);
    max-width: 760px;
    margin: 0 auto;
}

.score-note-text {
    font-size: 15px;
    font-weight: 500;
    color: #333333;
    line-height: 1.7;
    margin: 0;
    font-family: 'Inter', sans-serif;
}


/* ════════════════════════════════════
   TECHNOLOGY
════════════════════════════════════ */

#hiw-tech {
    padding: 80px 24px;
    background: #ffffff;
    font-family: 'Inter', sans-serif;
    border-top: 1px solid rgba(0, 0, 0, 0.08);
}

@media (min-width: 1024px) {
    #hiw-tech {
        padding: 112px 24px;
    }
}

.tech-container {
    max-width: 900px;
    margin: 0 auto;
}

.tech-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start;
}

@media (max-width: 700px) {
    .tech-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

/* ── Left col ── */
.tech-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #333333;
    border: 1px solid rgba(0, 0, 0, 0.18);
    border-radius: 999px;
    padding: 5px 12px;
    margin-bottom: 24px;
    font-family: 'Inter', sans-serif;
}

.tech-title {
    font-size: clamp(1.8rem, 3.5vw, 2.4rem);
    font-weight: 800;
    color: #2a2259;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.tech-text {
    font-size: 15px;
    color: #666666;
    line-height: 1.75;
    margin: 0 0 16px;
    font-family: 'Inter', sans-serif;
}

/* ── Right card ── */
.tech-card {
    background: #1A1A2E;
    border-radius: 16px;
    padding: 36px 32px;
}

.tech-card-label {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: #ffffff;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.tech-checks {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.tech-check {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.tech-check-icon {
    color: #ffffff;
    font-size: 14px;
    flex-shrink: 0;
    margin-top: 1px;
}

.tech-check-title {
    font-size: 14px;
    font-weight: 600;
    color: #ffffff;
    margin: 0 0 3px;
    font-family: 'Inter', sans-serif;
}

.tech-check-text {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.55);
    line-height: 1.6;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ════════════════════════════════════
   DARK SECTIONS
════════════════════════════════════ */

#hiw-dark {
    background: #1A1A2E;
    font-family: 'Inter', sans-serif;
}

.dark-block {
    padding: 96px 24px;
}

.dark-block--border {
    border-top: 1px solid rgba(255, 255, 255, 0.07);
}

@media (min-width: 1024px) {
    .dark-block {
        padding: 128px 24px;
    }
}

.dark-container {
    max-width: 860px;
    margin: 0 auto;
}

.dark-header {
    text-align: center;
    margin-bottom: 56px;
    max-width: 660px;
    margin-left: auto;
    margin-right: auto;
}

.dark-title {
    font-size: clamp(2rem, 4vw, 2.75rem);
    font-weight: 800;
    color: #ffffff;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.dark-title--italic {
    font-style: italic;
}

.dark-subtitle {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Stats grids ── */
.dark-stats-grid {
    display: grid;
    gap: 32px;
    text-align: center;
}

.dark-stats-grid--4 {
    grid-template-columns: repeat(4, 1fr);
}

.dark-stats-grid--3 {
    grid-template-columns: repeat(3, 1fr);
}

.dark-stats-grid--sm {
    margin-top: 40px;
}

@media (max-width: 700px) {
    .dark-stats-grid--4 {
        grid-template-columns: repeat(2, 1fr);
    }

    .dark-stats-grid--3 {
        grid-template-columns: repeat(1, 1fr);
    }
}

.dark-stat-num {
    font-size: 2rem;
    font-weight: 800;
    color: #ffffff;
    margin: 0 0 8px;
    letter-spacing: -0.03em;
    font-family: 'Inter', sans-serif;
}

.dark-stat-num--lg {
    font-size: 2.5rem;
}

.dark-stat-num--md {
    font-size: 1.5rem;
}

.dark-stat-title {
    font-size: 13px;
    font-weight: 600;
    color: #ffffff;
    margin: 0 0 4px;
    font-family: 'Inter', sans-serif;
}

.dark-stat-source {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.45);
    margin: 0;
    line-height: 1.5;
    font-family: 'Inter', sans-serif;
}

.dark-body-text {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    text-align: center;
    max-width: 760px;
    margin: 40px auto 0;
    font-family: 'Inter', sans-serif;
}

.dark-link-wrap {
    text-align: center;
    margin-top: 32px;
}

.dark-link {
    font-size: 14px;
    font-weight: 500;
    color: #ffffff;
    text-decoration: none;
    font-family: 'Inter', sans-serif;
}

.dark-link:hover {
    text-decoration: underline;
}

/* ════════════════════════════════════
   COMPARISON TABLE
════════════════════════════════════ */

#hiw-table {
    padding: 112px 24px;
    background: #ffffff;
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-table {
        padding: 160px 24px;
    }
}

.ctbl-container {
    max-width: 760px;
    margin: 0 auto;
}

.ctbl-header {
    text-align: center;
    margin-bottom: 56px;
}

.ctbl-title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: #2a2259;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.ctbl-wrap {
    overflow-x: auto;
}

.ctbl-table {
    width: 100%;
    border-collapse: collapse;
    font-family: 'Inter', sans-serif;
    font-size: 14px;
}

/* ── TH ── */
.ctbl-th {
    padding: 16px 16px;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    border-bottom: 2px solid #333333;
    font-family: 'Inter', sans-serif;
}

.ctbl-th--feature {
    text-align: left;
    width: 32%;
    color: transparent;
}

.ctbl-th--bank {
    text-align: left;
    color: #999999;
    width: 34%;
}

.ctbl-th--sc {
    text-align: left;
    color: #2a2259;
    width: 34%;
}

/* ── TR / TD ── */
.ctbl-tr {
    border-bottom: 1px solid rgba(0, 0, 0, 0.08);
}

.ctbl-tr--last {
    border-bottom: none;
}

.ctbl-td {
    padding: 16px 16px;
    vertical-align: top;
    line-height: 1.55;
    font-family: 'Inter', sans-serif;
}

.ctbl-td--feature {
    font-weight: 600;
    color: #333333;
    font-size: 14px;
}

.ctbl-td--bank {
    color: #888888;
    font-size: 14px;
}

.ctbl-td--sc {
    color: #2a2259;
    font-weight: 600;
    font-size: 14px;
}

@media (max-width: 520px) {

    .ctbl-td,
    .ctbl-th {
        padding: 12px 10px;
        font-size: 13px;
    }
}

/*======================================
FAQ
=========================================*/
.faq-container {
    max-width: 720px;
    width: 100%;
    padding: 0 0 90px 0;
}

.faq-header {
    margin-bottom: 0px;
}

.faq-title {
    font-size: clamp(1.8rem, 3.5vw, 2.4rem);
    font-weight: 800;
    color: #2a2259;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.faq-subtitle {
    font-size: 15px;
    color: #888;
    font-weight: 400;
    letter-spacing: -0.01em;
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 0;
    border-top: 1px solid #e0dfd9;
}

.faq-item {
    border-bottom: 1px solid #e0dfd9;
}

.faq-btn {
    width: 100%;
    background: none;
    border: none;
    cursor: pointer;
    padding: 10px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    text-align: left;
}

.faq-question {
    font-size: 15px;
    font-weight: 500;
    color: #111;
    letter-spacing: -0.02em;
    line-height: 1.4;
    transition: color 0.2s ease;
}

.faq-btn:hover .faq-question {
    color: #555;
}

.faq-icon-wrap {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    border: 1.5px solid #ccc;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: border-color 0.2s, background 0.2s;
    position: relative;
}

.faq-btn[aria-expanded="true"] .faq-icon-wrap {
    border-color: #1A1A2E;
    background: #1A1A2E;
}

.faq-icon-line {
    position: absolute;
    background: #888;
    border-radius: 2px;
    transition: background 0.2s, transform 0.35s ease, opacity 0.25s ease;
}

.faq-icon-line.h {
    width: 11px;
    height: 1.5px;
}

.faq-icon-line.v {
    width: 1.5px;
    height: 11px;
}

.faq-btn[aria-expanded="true"] .faq-icon-line {
    background: #fff;
}

.faq-btn[aria-expanded="true"] .faq-icon-line.v {
    transform: rotate(90deg);
    opacity: 0;
}

.faq-answer {
    overflow: hidden;
    max-height: 0;
    transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.faq-answer-inner {
    padding: 0 0 24px 0;
}

.faq-answer p {
    font-size: 14px;
    color: #555;
    line-height: 1.75;
    font-weight: 400;
    letter-spacing: -0.01em;
}

/* ════════════════════════════════════
   CTA LIGHT
════════════════════════════════════ */

#hiw-cta-light {
    padding: 112px 24px;
    background: #f0f0f0;
    font-family: 'Inter', sans-serif;
    text-align: center;
}

@media (min-width: 1024px) {
    #hiw-cta-light {
        padding: 160px 24px;
    }
}

.ctal-container {
    max-width: 640px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.ctal-title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: #2a2259;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.ctal-text {
    font-size: 16px;
    color: #666666;
    line-height: 1.7;
    margin: 0 0 40px;
    font-family: 'Inter', sans-serif;
}

.ctal-form-wrap {
    width: 100%;
    max-width: 460px;
}

.ctal-form {
    display: flex;
    align-items: center;
    gap: 8px;
    background: #ffffff;
    border: 1px solid rgba(0, 0, 0, 0.1);
    border-radius: 999px;
    padding: 6px 6px 6px 20px;
}

.ctal-input {
    flex: 1;
    min-width: 0;
    background: transparent;
    border: none;
    outline: none;
    font-size: 15px;
    color: #333333;
    font-family: 'Inter', sans-serif;
    padding: 10px 0;
}

.ctal-input::placeholder {
    color: #999999;
}

.ctal-btn {
    flex-shrink: 0;
    background: #1A1A2E;
    color: #ffffff;
    border: none;
    border-radius: 999px;
    padding: 12px 22px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: background 0.2s ease;
    white-space: nowrap;
}

.ctal-btn:hover {
    background: #2a2259;
}

/* ════════════════════════════════════
   CTA DARK
════════════════════════════════════ */

#hiw-cta-dark {
    padding: 112px 24px;
    background: #1A1A2E;
    font-family: 'Inter', sans-serif;
}

@media (min-width: 1024px) {
    #hiw-cta-dark {
        padding: 160px 24px;
    }
}

.ctad-container {
    max-width: 760px;
    margin: 0 auto;
}

.ctad-header {
    text-align: center;
    margin-bottom: 56px;
    max-width: 540px;
    margin-left: auto;
    margin-right: auto;
}

.ctad-title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: #ffffff;
    letter-spacing: -0.03em;
    line-height: 1.08;
    font-style: italic;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
}

.ctad-subtitle {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

/* ── Cards grid ── */
.ctad-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 40px;
}

@media (max-width: 600px) {
    .ctad-grid {
        grid-template-columns: 1fr;
    }
}

.ctad-card {
    background: #1A1A2E;
    border-radius: 16px;
    padding: 36px 32px;
    border: 1px solid rgba(255, 255, 255, 0.06);
    display: flex;
    flex-direction: column;
    gap: 0;
}

@media (max-width: 430px) {
    .ctad-card {
        width: 375px;
    }

    .faq-container {
        padding: 0 20px 90px 20px;
    }
}

.ctad-card--link {
    text-decoration: none;
    cursor: pointer;
    transition: background 0.2s ease;
}

.ctad-card--link:hover {
    background: #151525;
}

.ctad-card-title {
    font-size: 18px;
    font-weight: 700;
    color: #ffffff;
    margin: 0 0 12px;
    font-family: 'Inter', sans-serif;
}

.ctad-card-text {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin: 0 0 24px;
    font-family: 'Inter', sans-serif;
    flex: 1;
}

/* ── Dark form ── */
.ctad-form {
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 999px;
    padding: 6px 6px 6px 20px;
}

.ctad-input {
    flex: 1;
    min-width: 0;
    background: transparent;
    border: none;
    outline: none;
    font-size: 15px;
    color: #ffffff;
    font-family: 'Inter', sans-serif;
    padding: 10px 0;
}

.ctad-input::placeholder {
    color: rgba(255, 255, 255, 0.4);
}

.ctad-btn {
    flex-shrink: 0;
    background: #ffffff;
    color: #1A1A2E;
    border: none;
    border-radius: 999px;
    padding: 12px 20px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    transition: background 0.2s ease;
    white-space: nowrap;
}

.ctad-btn:hover {
    background: rgba(255, 255, 255, 0.88);
}

.ctad-card-cta {
    font-size: 14px;
    font-weight: 500;
    color: #ffffff;
    font-family: 'Inter', sans-serif;
    margin-top: auto;
}

/* ── States note ── */
.ctad-states {
    text-align: center;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.45);
    margin: 0;
    font-family: 'Inter', sans-serif;
}