/* ═══════════════════════════════════════
   HOW IT WORKS
═══════════════════════════════════════ */
.hiw-hero { background:var(--deep2); padding:80px 0 60px; position:relative; overflow:hidden; }
.hiw-hero__lines { position:absolute; inset:0; background-image:linear-gradient(rgba(255,255,255,0.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.025) 1px,transparent 1px); background-size:56px 56px; pointer-events:none; }
.hiw-hero h1 { color:white; }
.hiw-hero h1 em { color:var(--gold); font-style:italic; }
.hiw-hero__sub { font-size:17px; color:rgba(255,255,255,0.5); max-width:560px; margin:16px auto 32px; line-height:1.7; }
.hiw-hero__tabs { display:inline-flex; background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.1); border-radius:8px; padding:4px; }
.hiw-tab { padding:10px 28px; border-radius:6px; font-family:inherit; font-size:13px; font-weight:400; color:rgba(255,255,255,0.5); cursor:pointer; border:none; background:transparent; transition:all 0.2s; }
.hiw-tab.active { background:var(--teal); color:white; font-weight:500; }

/* Scroll progress */
.scroll-progress { position:fixed; top:66px; left:0; right:0; height:3px; background:rgba(0,0,0,0.1); z-index:99; }
.scroll-progress__fill { height:100%; background:var(--gold); width:0%; transition:width 0.1s linear; }

/* Dot nav */
.dot-nav { position:fixed; right:28px; top:50%; transform:translateY(-50%); display:flex; flex-direction:column; gap:10px; z-index:50; }
.dot-nav__dot { width:10px; height:10px; border-radius:50%; background:rgba(30,122,143,0.2); border:2px solid rgba(30,122,143,0.3); cursor:pointer; transition:all 0.2s; position:relative; }
.dot-nav__dot:hover, .dot-nav__dot.active { background:var(--teal); border-color:var(--teal); transform:scale(1.3); }
.dot-nav__label { position:absolute; right:18px; top:50%; transform:translateY(-50%); background:var(--deep2); color:white; font-size:11px; padding:4px 10px; border-radius:4px; white-space:nowrap; opacity:0; transition:opacity 0.2s; pointer-events:none; }
.dot-nav__dot:hover .dot-nav__label { opacity:1; }

/* Steps */
.hiw-steps-section { padding:80px 0; }
.hiw-steps-list { margin-top:56px; }
.hiw-step-row { display:grid; grid-template-columns:80px 1fr; gap:0 32px; opacity:0; transform:translateY(30px); transition:opacity 0.6s ease, transform 0.6s ease; }
.hiw-step-row.visible { opacity:1; transform:translateY(0); }
.hiw-step-row__left { display:flex; flex-direction:column; align-items:center; }
.hiw-step-row__num { width:56px; height:56px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-family:'Playfair Display',serif; font-size:20px; font-weight:700; border:2px solid var(--border); background:var(--cream); color:var(--muted2); transition:all 0.3s; flex-shrink:0; }
.hiw-step-row:hover .hiw-step-row__num, .hiw-step-row.active-step .hiw-step-row__num { background:var(--teal); border-color:var(--teal); color:white; box-shadow:0 0 0 6px rgba(30,122,143,0.1); }
.hiw-step-row__line { width:2px; flex:1; min-height:40px; background:var(--border); margin:6px 0; }
.hiw-step-row__body { padding-bottom:52px; }
.hiw-step-row__eyebrow { font-size:10px; text-transform:uppercase; letter-spacing:1.8px; color:var(--teal); font-weight:600; margin:12px 0 8px; }
.hiw-step-row__title { font-family:'Playfair Display',serif; font-size:26px; font-weight:700; margin-bottom:12px; }
.hiw-step-row__desc { font-size:15px; color:var(--muted); line-height:1.8; max-width:600px; margin-bottom:20px; }
.hiw-step-features { display:flex; gap:12px; flex-wrap:wrap; margin-bottom:16px; }
.hiw-step-feature { background:white; border:1px solid var(--border); border-radius:8px; padding:12px 16px; display:flex; align-items:flex-start; gap:10px; flex:1; min-width:160px; }
.hiw-step-feature__icon { font-size:20px; flex-shrink:0; }
.hiw-step-feature strong { display:block; font-size:12px; font-weight:600; color:var(--text); margin-bottom:2px; }
.hiw-step-feature p { font-size:11px; color:var(--muted); line-height:1.5; margin:0; }
.hiw-step-pills { display:flex; gap:8px; flex-wrap:wrap; }

/* Trust */
.hiw-trust { background:var(--deep2); padding:80px 0; }
.hiw-trust__grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:48px; }
.trust-card { background:rgba(255,255,255,0.04); border:1px solid rgba(255,255,255,0.08); border-radius:12px; padding:28px; transition:border-color 0.3s,background 0.3s; }
.trust-card:hover { background:rgba(255,255,255,0.07); border-color:rgba(201,168,76,0.25); }
.trust-card__icon { font-size:32px; margin-bottom:16px; }
.trust-card h4 { font-size:17px; font-weight:600; color:white; margin-bottom:10px; }
.trust-card p { font-size:14px; color:rgba(255,255,255,0.45); line-height:1.7; }

/* FAQ */
.hiw-faq, .prov-faq { padding:80px 0; }
.faq-list { margin-top:36px; }
.faq-item { border-bottom:1px solid var(--border); }
.faq-item__q { display:flex; align-items:center; justify-content:space-between; width:100%; padding:18px 0; cursor:pointer; font-size:15px; font-weight:500; color:var(--text); transition:color 0.2s; background:none; border:none; font-family:inherit; text-align:left; }
.faq-item__q:hover { color:var(--teal); }
.faq-item__arrow { font-size:20px; color:var(--muted2); transition:transform 0.3s; flex-shrink:0; margin-left:16px; }
.faq-item[open] .faq-item__arrow, .faq-item.open .faq-item__arrow { transform:rotate(45deg); color:var(--teal); }
.faq-item__a { padding-bottom:18px; }
.faq-item__a p { font-size:14px; color:var(--muted); line-height:1.8; font-weight:300; margin:0; }

/* HIW CTA */
.hiw-cta { background:var(--deep); padding:90px 0; text-align:center; position:relative; overflow:hidden; }
.hiw-cta::before { content:''; position:absolute; top:50%; left:50%; transform:translate(-50%,-50%); width:700px; height:400px; border-radius:50%; background:radial-gradient(ellipse,rgba(201,168,76,0.07) 0%,transparent 70%); pointer-events:none; }
.hiw-cta h2 { color:white; position:relative; margin-bottom:16px; }
.hiw-cta h2 em { color:var(--gold); font-style:italic; }
.hiw-cta p { color:rgba(255,255,255,0.45); max-width:500px; margin:0 auto 36px; position:relative; }
.hiw-cta .cta-btns { position:relative; }


/* ═══════════════════════════════════════
   PROVIDER LANDING
═══════════════════════════════════════ */
.prov-hero { background:var(--deep); min-height:100vh; display:flex; align-items:center; position:relative; overflow:hidden; }
.prov-hero__bg { position:absolute; inset:0; background:radial-gradient(ellipse 500px 400px at 80% 50%,rgba(42,155,181,0.1) 0%,transparent 70%); pointer-events:none; }
.prov-hero__lines { position:absolute; inset:0; background-image:linear-gradient(rgba(255,255,255,0.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.025) 1px,transparent 1px); background-size:48px 48px; pointer-events:none; }
.prov-hero__inner { display:grid; grid-template-columns:1fr 440px; gap:60px; align-items:center; position:relative; z-index:2; }
.prov-hero__eyebrow { font-size:11px; font-weight:500; letter-spacing:2px; text-transform:uppercase; color:var(--gold); margin-bottom:24px; }
.prov-hero h1 { color:white; margin-bottom:22px; }
.prov-hero h1 em { font-style:italic; color:var(--gold); }
.prov-hero__sub { font-size:17px; color:rgba(255,255,255,0.5); line-height:1.75; margin-bottom:36px; }
.prov-hero__metrics { display:flex; gap:32px; margin-bottom:36px; }
.prov-metric__num { font-family:'Playfair Display',serif; font-size:32px; font-weight:600; color:var(--gold); line-height:1; }
.prov-metric__label { font-size:12px; color:rgba(255,255,255,0.4); margin-top:4px; }
.prov-hero__cta-row { display:flex; align-items:center; gap:20px; }
.prov-hero__link { color:rgba(255,255,255,0.6); font-size:14px; text-decoration:none; transition:color 0.2s; }
.prov-hero__link:hover { color:white; }

/* Apply card */
.prov-apply-card { background:white; border-radius:16px; padding:36px; box-shadow:0 32px 80px rgba(0,0,0,0.4); }
.prov-apply-card__header h3 { font-size:22px; font-weight:600; color:var(--text); margin-bottom:6px; }
.prov-apply-card__header p { font-size:13px; color:var(--muted); margin-bottom:24px; line-height:1.5; }
.form-row-2 { display:grid; grid-template-columns:1fr 1fr; gap:12px; }
.prov-apply-card__disclaimer { font-size:11px; color:var(--muted2); text-align:center; margin-top:10px; line-height:1.5; }
.prov-apply-card__trust { display:flex; align-items:center; gap:6px; justify-content:center; font-size:11px; color:var(--muted2); margin-top:16px; padding-top:16px; border-top:1px solid var(--border); }

/* Logos strip */
.prov-logos { background:var(--deep2); padding:22px 0; border-bottom:1px solid rgba(255,255,255,0.06); }
.prov-logos__inner { display:flex; align-items:center; justify-content:center; gap:40px; flex-wrap:wrap; }
.prov-logos__label { font-size:11px; color:rgba(255,255,255,0.3); letter-spacing:1.5px; text-transform:uppercase; }
.prov-logos__item { font-family:'Playfair Display',serif; font-size:14px; font-weight:600; color:rgba(255,255,255,0.2); transition:color 0.2s; }

/* Benefits */
.prov-benefits { padding:90px 0; }
.prov-benefits__grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:52px; }
.benefit-card { background:white; border:1px solid var(--border); border-radius:12px; padding:28px; transition:box-shadow 0.25s,border-color 0.25s; position:relative; overflow:hidden; opacity:0; transform:translateY(20px); }
.benefit-card.visible { opacity:1; transform:translateY(0); transition:opacity 0.5s ease,transform 0.5s ease,box-shadow 0.25s,border-color 0.25s; }
.benefit-card::before { content:''; position:absolute; top:0; left:0; right:0; height:3px; background:linear-gradient(90deg,var(--teal),var(--gold)); transform:scaleX(0); transition:transform 0.3s; transform-origin:left; }
.benefit-card:hover { box-shadow:0 8px 40px rgba(0,0,0,0.08); border-color:transparent; }
.benefit-card:hover::before { transform:scaleX(1); }
.benefit-card__icon { font-size:32px; margin-bottom:16px; }
.benefit-card__title { font-size:17px; font-weight:600; margin-bottom:10px; }
.benefit-card__desc { font-size:14px; color:var(--muted); line-height:1.7; margin-bottom:14px; }

/* Provider how */
.prov-how { background:var(--deep2); padding:80px 0; }
.prov-how__steps { display:grid; grid-template-columns:repeat(4,1fr); gap:0; margin-top:52px; position:relative; }
.prov-how__steps::before { content:''; position:absolute; top:28px; left:56px; right:56px; height:1px; background:linear-gradient(90deg,var(--gold),rgba(201,168,76,0.2),var(--gold)); }
.prov-how__step { text-align:center; padding:0 20px; }
.prov-how__num { width:56px; height:56px; border-radius:50%; background:var(--deep2); border:2px solid var(--gold); display:flex; align-items:center; justify-content:center; margin:0 auto 20px; font-family:'Playfair Display',serif; font-size:22px; font-weight:600; color:var(--gold); position:relative; z-index:2; }
.prov-how__step h4 { font-size:15px; font-weight:600; color:white; margin-bottom:10px; }
.prov-how__step p { font-size:13px; color:rgba(255,255,255,0.4); line-height:1.6; margin-bottom:10px; }

/* Calc */
.prov-calc { padding:80px 0; }
.prov-calc__layout { display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:start; margin-top:52px; }
.prov-calc__card { background:var(--deep); border-radius:16px; padding:36px; border:1px solid rgba(255,255,255,0.07); }
.prov-calc__card-title { font-size:13px; color:rgba(255,255,255,0.4); margin-bottom:28px; text-transform:uppercase; letter-spacing:1px; font-weight:500; }
.calc-row { margin-bottom:20px; }
.calc-label { font-size:12px; color:rgba(255,255,255,0.5); margin-bottom:8px; display:flex; justify-content:space-between; }
.calc-label span { color:var(--gold); font-weight:600; }
.calc-slider { width:100%; appearance:none; height:4px; background:rgba(255,255,255,0.1); border-radius:2px; outline:none; cursor:pointer; accent-color:var(--gold); }
.calc-divider { height:1px; background:rgba(255,255,255,0.06); margin:24px 0; }
.calc-result__label { font-size:12px; color:rgba(255,255,255,0.4); margin-bottom:6px; }
.calc-result__value { font-family:'Playfair Display',serif; font-size:48px; font-weight:600; color:var(--gold); line-height:1; }
.calc-result__note { font-size:12px; color:rgba(255,255,255,0.3); margin-top:6px; }
.comp-row { display:flex; align-items:center; gap:12px; margin-bottom:10px; font-size:13px; }
.comp-label { color:rgba(255,255,255,0.5); width:160px; flex-shrink:0; font-size:12px; }
.comp-track { flex:1; height:8px; background:rgba(255,255,255,0.07); border-radius:4px; overflow:hidden; }
.comp-bar { height:100%; border-radius:4px; transition:width 0.6s ease; }
.comp-val { width:60px; text-align:right; color:white; font-weight:500; font-size:12px; }
.prov-calc__copy p { font-size:15px; color:var(--muted); line-height:1.8; margin-bottom:20px; }
.prov-fact { background:white; border:1px solid var(--border); border-radius:10px; padding:18px 20px; margin-bottom:14px; display:flex; align-items:flex-start; gap:14px; }
.prov-fact__icon { font-size:24px; flex-shrink:0; }
.prov-fact strong { display:block; font-size:14px; font-weight:600; color:var(--text); margin-bottom:3px; }
.prov-fact p { font-size:13px; color:var(--muted); line-height:1.6; margin:0; }

/* Testimonials */
.prov-testimonials { padding:80px 0; background:var(--cream2); border-top:1px solid var(--border); }
.prov-testimonials__grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:48px; }
.prov-test-card__quote { font-size:14px; color:var(--text); line-height:1.75; font-weight:300; font-style:italic; margin-bottom:20px; }
.prov-test-card__author { display:flex; align-items:center; gap:12px; }
.prov-test-card__avatar { width:44px; height:44px; border-radius:50%; flex-shrink:0; display:flex; align-items:center; justify-content:center; font-family:'Playfair Display',serif; font-size:16px; font-weight:700; color:white; }
.prov-test-card__author strong { display:block; font-size:14px; font-weight:600; color:var(--text); }
.prov-test-card__author span { font-size:12px; color:var(--muted); }

/* Final CTA */
.prov-final-cta { background:var(--deep); padding:90px 0; position:relative; overflow:hidden; }
.prov-final-cta::before { content:''; position:absolute; top:-200px; left:50%; transform:translateX(-50%); width:700px; height:500px; border-radius:50%; background:radial-gradient(ellipse,rgba(201,168,76,0.07) 0%,transparent 70%); pointer-events:none; }
.prov-final-cta h2 { color:white; margin-bottom:16px; }
.prov-final-cta h2 em { color:var(--gold); font-style:italic; }
.prov-final-cta p { color:rgba(255,255,255,0.4); max-width:500px; margin:0 auto 36px; }
.prov-final-cta__note { font-size:12px; color:rgba(255,255,255,0.25); margin-top:20px; }

/* Responsive */
@media(max-width:1024px){
  .prov-hero__inner { grid-template-columns:1fr; }
  .prov-apply-card { max-width:500px; }
  .prov-how__steps { grid-template-columns:repeat(2,1fr); }
  .prov-how__steps::before { display:none; }
  .prov-calc__layout { grid-template-columns:1fr; }
  .prov-benefits__grid { grid-template-columns:repeat(2,1fr); }
  .prov-testimonials__grid { grid-template-columns:1fr; }
  .hiw-trust__grid { grid-template-columns:repeat(2,1fr); }
  .dot-nav { display:none; }
}
@media(max-width:768px){
  .prov-benefits__grid { grid-template-columns:1fr; }
}