.how-it-works-page {
  --navy3: #0d1322;
  --gold-line: rgba(201,168,76,0.22);
  --card: rgba(255,255,255,0.025);
  --r: 2px;
}

.how-it-works-page .eyebrow {
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}
.how-it-works-page .eyebrow::before {
  content: '';
  display: block;
  width: 26px;
  height: 1px;
  background: var(--gold);
}
.how-it-works-page .eyebrow.center { justify-content: center; }
.how-it-works-page .eyebrow.center::before { display: none; }

.how-it-works-page .breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .75rem;
  color: var(--muted);
  margin-bottom: 24px;
}
.how-it-works-page .breadcrumb a {
  color: var(--muted);
  text-decoration: none;
  transition: color .2s;
}
.how-it-works-page .breadcrumb a:hover { color: var(--gold); }
.how-it-works-page .breadcrumb-sep { opacity: .4; }

.how-it-works-page .hero {
  min-height: 72vh;
  display: flex;
  align-items: center;
  padding: 130px 60px 80px;
  background: linear-gradient(160deg, var(--navy) 0%, #080d1a 100%);
  position: relative;
  overflow: hidden;
}
.how-it-works-page .hero-grid {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(var(--border) 1px, transparent 1px),
    linear-gradient(90deg, var(--border) 1px, transparent 1px);
  background-size: 80px 80px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 0%, transparent 70%);
  opacity: .3;
}
.how-it-works-page .hero-glow {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  width: 700px;
  height: 700px;
  pointer-events: none;
  background: radial-gradient(circle, rgba(201,168,76,.06) 0%, transparent 65%);
}
.how-it-works-page .hero-inner {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 900px;
  margin: 0 auto;
}
.how-it-works-page .hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--border);
  border-radius: 40px;
  padding: 6px 16px 6px 8px;
  margin-bottom: 28px;
  font-size: .72rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
}
.how-it-works-page .hero-badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 6px var(--gold);
}
.how-it-works-page .hero h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(2.6rem, 5vw, 4.8rem);
  font-weight: 300;
  line-height: 1.06;
  letter-spacing: -0.03em;
  color: var(--white);
  margin-bottom: 24px;
}
.how-it-works-page .hero h1 em { font-style: italic; color: var(--gold); }
.how-it-works-page .hero .hero-sub {
  font-size: 1.1rem;
  color: var(--white2);
  max-width: 620px;
  line-height: 1.72;
  margin: 0 auto 44px;
}
.how-it-works-page .hero .hero-sub span { color: var(--muted); }
.how-it-works-page .hero .hero-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 60px;
}
.how-it-works-page .hero-trust {
  display: flex;
  gap: 36px;
  justify-content: center;
  flex-wrap: wrap;
  padding-top: 48px;
  border-top: 1px solid var(--border);
}
.how-it-works-page .hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .8rem;
  color: var(--muted);
}
.how-it-works-page .hero-trust-item span { color: var(--gold); }

.how-it-works-page .overview {
  padding: 70px 0;
  background: rgba(201,168,76,0.05);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.how-it-works-page .overview-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border);
}
.how-it-works-page .overview-stat {
  background: var(--navy2);
  padding: 36px 32px;
  text-align: center;
}
.how-it-works-page .overview-num {
  font-family: 'Fraunces', serif;
  font-size: 2.8rem;
  font-weight: 300;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.how-it-works-page .overview-label {
  font-size: .78rem;
  color: var(--muted);
  letter-spacing: .08em;
  text-transform: uppercase;
  line-height: 1.5;
}

.how-it-works-page .expect { padding: 90px 0; background: var(--navy3); }
.how-it-works-page .expect-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  margin-top: 48px;
}
.how-it-works-page .expect-card {
  background: var(--navy2);
  padding: 40px 36px;
  transition: background .3s;
  position: relative;
  overflow: hidden;
}
.how-it-works-page .expect-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform .3s;
  transform-origin: left;
}
.how-it-works-page .expect-card:hover { background: rgba(201,168,76,.04); }
.how-it-works-page .expect-card:hover::after { transform: scaleX(1); }
.how-it-works-page .expect-icon {
  width: 48px;
  height: 48px;
  border: 1px solid var(--border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 20px;
  transition: border-color .3s, background .3s;
}
.how-it-works-page .expect-card:hover .expect-icon {
  border-color: var(--gold);
  background: var(--gold-dim);
}
.how-it-works-page .expect-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.15rem;
  font-weight: 400;
  color: var(--white);
  margin-bottom: 10px;
}
.how-it-works-page .expect-card p {
  font-size: .86rem;
  color: var(--muted);
  line-height: 1.72;
}

.how-it-works-page .steps-section { padding: 100px 0; background: var(--navy); }
.how-it-works-page .step-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
  padding: 72px 0;
  border-bottom: 1px solid rgba(201,168,76,.08);
}
.how-it-works-page .step-block:last-child { border-bottom: none; }
.how-it-works-page .step-block.flip .step-left { order: 2; }
.how-it-works-page .step-block.flip .step-right { order: 1; }
.how-it-works-page .step-num-wrap {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
}
.how-it-works-page .step-big-num {
  font-family: 'Fraunces', serif;
  font-size: 5rem;
  font-weight: 200;
  color: var(--gold);
  opacity: .2;
  line-height: 1;
}
.how-it-works-page .step-pill {
  font-size: .68rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold-line);
  padding: 4px 14px;
  border-radius: 20px;
}
.how-it-works-page .step-left h2 {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  font-weight: 300;
  line-height: 1.18;
  letter-spacing: -0.02em;
  color: var(--white);
  margin-bottom: 16px;
}
.how-it-works-page .step-left h2 em { font-style: italic; color: var(--gold); }
.how-it-works-page .step-left p {
  font-size: .92rem;
  color: var(--muted);
  line-height: 1.8;
  margin-bottom: 20px;
}
.how-it-works-page .step-checklist { list-style: none; margin: 24px 0 32px; }
.how-it-works-page .step-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 9px 0;
  border-bottom: 1px solid rgba(255,255,255,.04);
  font-size: .875rem;
  color: var(--white2);
  line-height: 1.55;
}
.how-it-works-page .step-checklist li:last-child { border-bottom: none; }
.how-it-works-page .step-checklist li::before {
  content: '✓';
  color: var(--gold);
  font-size: .8rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}
.how-it-works-page .step-time-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold-dim);
  border: 1px solid var(--gold-line);
  border-radius: 40px;
  padding: 8px 18px;
  font-size: .78rem;
  color: var(--gold);
  font-weight: 500;
}
.how-it-works-page .step-right { position: relative; }
.how-it-works-page .step-panel {
  background: var(--navy2);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 40px;
  position: relative;
  overflow: hidden;
}
.how-it-works-page .step-panel::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 220px;
  height: 220px;
  background: radial-gradient(circle, rgba(201,168,76,.07) 0%, transparent 70%);
  pointer-events: none;
}
.how-it-works-page .step-panel-num {
  font-family: 'Fraunces', serif;
  font-size: 6rem;
  font-weight: 200;
  color: var(--gold);
  opacity: .08;
  position: absolute;
  top: 16px;
  right: 24px;
  line-height: 1;
}
.how-it-works-page .step-panel-title {
  font-size: .68rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.how-it-works-page .step-doc-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}
.how-it-works-page .step-doc {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: rgba(255,255,255,.03);
  border: 1px solid rgba(255,255,255,.06);
  border-radius: 3px;
  font-size: .84rem;
  color: var(--white2);
}
.how-it-works-page .step-doc-icon {
  font-size: 1.1rem;
  flex-shrink: 0;
  width: 24px;
  text-align: center;
}
.how-it-works-page .step-doc.done {
  border-color: rgba(201,168,76,.25);
  background: rgba(201,168,76,.06);
}
.how-it-works-page .step-doc.done .step-doc-label::after {
  content: ' ✓';
  color: var(--gold);
  font-size: .75rem;
}
.how-it-works-page .step-doc-label { flex: 1; }
.how-it-works-page .step-note {
  font-size: .78rem;
  color: var(--muted);
  line-height: 1.65;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,.06);
}
.how-it-works-page .step-note strong { color: var(--white2); }

.how-it-works-page .timing-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
}
.how-it-works-page .timing-card {
  padding: 14px 16px;
  background: rgba(255,255,255,.03);
  border: 1px solid rgba(255,255,255,.06);
  border-radius: 3px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.how-it-works-page .timing-flag-name {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .84rem;
  color: var(--white2);
}
.how-it-works-page .timing-flag { font-size: 1.2rem; }
.how-it-works-page .timing-days {
  font-size: .78rem;
  color: var(--gold);
  font-weight: 500;
}
.how-it-works-page .bank-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px;
}
.how-it-works-page .bank-tag {
  padding: 6px 14px;
  border: 1px solid var(--border);
  border-radius: 3px;
  font-size: .76rem;
  color: var(--muted);
  background: rgba(255,255,255,.02);
}
.how-it-works-page .cal-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,.04);
  font-size: .82rem;
}
.how-it-works-page .cal-row:last-child { border-bottom: none; }
.how-it-works-page .cal-label { color: var(--white2); }
.how-it-works-page .cal-period { color: var(--muted); font-size: .72rem; }
.how-it-works-page .cal-status {
  font-size: .7rem;
  padding: 3px 10px;
  border-radius: 20px;
}
.how-it-works-page .cal-status.ok {
  background: rgba(74,222,128,.1);
  color: #4ade80;
  border: 1px solid rgba(74,222,128,.2);
}
.how-it-works-page .cal-status.due {
  background: var(--gold-dim);
  color: var(--gold);
  border: 1px solid var(--gold-line);
}

.how-it-works-page .timeline { padding: 80px 0; background: var(--navy3); overflow: hidden; }
.how-it-works-page .timeline-inner {
  display: flex;
  align-items: flex-start;
  gap: 0;
  position: relative;
  margin-top: 56px;
  overflow-x: auto;
  padding-bottom: 8px;
}
.how-it-works-page .timeline-inner::before {
  content: '';
  position: absolute;
  top: 28px;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--border) 10%, var(--border) 90%, transparent);
}
.how-it-works-page .tl-item {
  flex: 1;
  min-width: 160px;
  padding: 0 16px;
  text-align: center;
  position: relative;
  z-index: 1;
}
.how-it-works-page .tl-dot {
  width: 56px;
  height: 56px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Fraunces', serif;
  font-size: 1.1rem;
  font-weight: 400;
  color: var(--gold);
  margin: 0 auto 20px;
  background: var(--navy3);
}
.how-it-works-page .tl-phase {
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 6px;
}
.how-it-works-page .tl-action {
  font-family: 'Fraunces', serif;
  font-size: .95rem;
  font-weight: 300;
  color: var(--white);
  margin-bottom: 6px;
}
.how-it-works-page .tl-time { font-size: .75rem; color: var(--muted); }

.how-it-works-page .docs-section { padding: 80px 0; background: var(--navy); }
.how-it-works-page .docs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  margin-top: 56px;
}
.how-it-works-page .docs-table {
  border: 1px solid var(--border);
  border-radius: 3px;
  overflow: hidden;
}
.how-it-works-page .docs-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 0;
  padding: 13px 20px;
  border-bottom: 1px solid rgba(255,255,255,.04);
  font-size: .84rem;
  align-items: center;
}
.how-it-works-page .docs-row:last-child { border-bottom: none; }
.how-it-works-page .docs-row.head {
  background: rgba(255,255,255,.03);
  font-size: .65rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--muted);
}
.how-it-works-page .docs-row:hover:not(.head) { background: rgba(201,168,76,.03); }
.how-it-works-page .doc-name { color: var(--white2); }
.how-it-works-page .doc-req { font-size: .72rem; color: var(--gold); }
.how-it-works-page .doc-note { font-size: .72rem; color: var(--muted); }

.how-it-works-page .faq-section { padding: 80px 0; background: var(--navy3); }
.how-it-works-page .faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 60px;
  margin-top: 48px;
}
.how-it-works-page .faq-item { border-bottom: 1px solid rgba(255,255,255,.06); }
.how-it-works-page .faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
  cursor: pointer;
  gap: 20px;
  font-size: .95rem;
  font-weight: 500;
  color: var(--white);
  transition: color .2s;
  user-select: none;
}
.how-it-works-page .faq-q:hover { color: var(--gold); }
.how-it-works-page .faq-icon {
  color: var(--gold);
  font-size: 1.2rem;
  flex-shrink: 0;
  transition: transform .3s;
  font-weight: 300;
}
.how-it-works-page .faq-item.open .faq-icon { transform: rotate(45deg); }
.how-it-works-page .faq-a {
  display: none;
  font-size: .88rem;
  color: var(--muted);
  line-height: 1.78;
  padding-bottom: 16px;
}
.how-it-works-page .faq-item.open .faq-a { display: block; }

.how-it-works-page .cta-band {
  padding: 100px 0;
  background: linear-gradient(135deg, rgba(201,168,76,.08), rgba(201,168,76,.02));
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  text-align: center;
}
.how-it-works-page .cta-band h2 {
  font-family: 'Fraunces', serif;
  font-size: clamp(2rem, 3.5vw, 3rem);
  font-weight: 300;
  color: var(--white);
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}
.how-it-works-page .cta-band h2 em { font-style: italic; color: var(--gold); }
.how-it-works-page .cta-band p {
  color: var(--muted);
  margin-bottom: 36px;
  font-size: .97rem;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.7;
}
.how-it-works-page .cta-band-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}
.how-it-works-page .cta-trust-row {
  display: flex;
  gap: 28px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 28px;
}
.how-it-works-page .cta-trust-item {
  font-size: .8rem;
  color: var(--muted);
  display: flex;
  align-items: center;
  gap: 8px;
}
.how-it-works-page .cta-trust-item span { color: var(--gold); }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 960px) {
  .how-it-works-page .hero { padding: 100px 20px 60px; }
  .how-it-works-page .step-block,
  .how-it-works-page .step-block.flip { grid-template-columns: 1fr; }
  .how-it-works-page .step-block.flip .step-left,
  .how-it-works-page .step-block.flip .step-right { order: unset; }
  .how-it-works-page .expect-grid { grid-template-columns: 1fr; }
  .how-it-works-page .overview-grid { grid-template-columns: 1fr 1fr; }
  .how-it-works-page .docs-grid { grid-template-columns: 1fr; }
  .how-it-works-page .faq-grid { grid-template-columns: 1fr; }
  .how-it-works-page .timing-grid { grid-template-columns: 1fr; }
  .how-it-works-page .timeline-inner { gap: 0; }
}