/* R58: consistent editorial sections and clear light/dark text contrast. */
.page-how-it-works .hiw-page{color:#172437;background:#fff;font-family:Inter,Arial,sans-serif}
.hiw-page h1,.hiw-page h2,.hiw-page h3{font-family:Inter,Arial,sans-serif;letter-spacing:-.035em;color:inherit;margin:0;font-weight:700}
.hiw-page h2{font-size:clamp(30px,3.2vw,44px);line-height:1.18}
.hiw-page h3{font-size:27px;line-height:1.3}
.hiw-page p{margin:0;color:#526277}
.hiw-page .hiw-section{padding:80px 0}
.hiw-page .button{min-width:190px;min-height:54px;font-size:14px;border-radius:5px;letter-spacing:0}
.hiw-hero{text-align:center;background:#071426;color:#fff;padding:76px 0 64px}
body.page-how-it-works .hiw-page .hiw-hero h1{font-size:clamp(38px,4.6vw,64px);line-height:1.12;max-width:950px;margin:auto;font-weight:700;letter-spacing:-.035em}
.hiw-hero h1 span,.hiw-final h2 span{color:#e4c477}
body.page-how-it-works .hiw-page .hiw-lede{color:#c4cfdd;font-size:18px;line-height:1.8;max-width:760px;margin:28px auto 30px}
.hiw-guarantee-link{display:block;width:fit-content;margin:20px auto 0;font-size:13px;color:#c4cfdd;text-decoration:underline;text-underline-offset:4px;line-height:1.7}
.hiw-film-intro{max-width:860px;margin:0 auto 30px;text-align:center}
.hiw-film-intro h2{font-size:32px}
.hiw-film-intro h2 br{display:none}
.hiw-film-intro p{font-size:16px;line-height:1.8;max-width:720px;margin:18px auto 0}
.hiw-film figure{width:65%;margin:0 auto}
.hiw-video-frame{aspect-ratio:16/9;background:#071426;position:relative;overflow:hidden;border-radius:6px}
.hiw-video-frame iframe{display:block;width:100%;height:100%;border:0;padding:0}
.hiw-model{background:#071426;color:#fff}
.hiw-model h2 span{color:#e4c477}
.hiw-prose p{font-size:16px;line-height:1.85;margin-bottom:22px}
.hiw-prose p:last-child{margin-bottom:0}
.hiw-page .hiw-model .hiw-prose p{color:#c4cfdd}
.hiw-model-intro{max-width:760px;margin-top:26px}
.hiw-model-nav{display:flex;gap:32px;margin:32px 0 0;border-bottom:1px solid #ffffff26}
.hiw-model-nav a{display:flex;align-items:center;min-height:52px;padding:10px 0;font-size:16px;font-weight:600;color:#e4c477;border-bottom:2px solid transparent}
.hiw-model-nav a:hover{border-bottom-color:#e4c477}
.hiw-model-step,.hiw-editorial{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:72px}
.hiw-model-step{padding:52px 0;border-bottom:1px solid #ffffff26;scroll-margin-top:110px}
.hiw-step-heading h3{max-width:320px}
.hiw-key-points{margin:24px 0 0;padding:0;list-style:none;max-width:330px}
.hiw-key-points li{color:#c4cfdd;font-size:14px;line-height:1.7;padding:12px 0;border-top:1px solid #ffffff20}
.hiw-model-close{text-align:center;padding-top:40px}
.hiw-page .hiw-model-close p{color:#fff;font-size:22px;line-height:1.5;font-weight:600;margin-bottom:24px}
.hiw-editorial aside{position:static;align-self:start}
.hiw-text-link{display:inline-flex;align-items:center;min-height:44px;font-size:14px;line-height:1.7;text-decoration:underline;text-underline-offset:5px;font-weight:600}
.hiw-youtube .hiw-text-link{margin-top:22px;color:#765b25}
.hiw-prose .hiw-opening{font-size:23px;font-weight:600;color:#172437}
.hiw-joining{background:#f4f6f9}
.hiw-inclusions{margin-top:36px}
body.page-how-it-works .hiw-page .hiw-inclusions article{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:72px;border-top:1px solid #dce2e8;padding:32px 0}
.hiw-inclusions article:last-child{padding-bottom:0}
.hiw-call-week{margin-top:24px;border-top:1px solid #dce2e8}
.hiw-call-week>div{display:flex;align-items:baseline;gap:24px;padding:12px 0;border-bottom:1px solid #dce2e8}
.hiw-call-week strong{font-size:13px;color:#765b25;min-width:40px}
.hiw-call-week span{font-size:14px;color:#526277}
.hiw-timeline{background:#071426;color:#fff}
.hiw-page .hiw-timeline-intro{font-size:15px;color:#c4cfdd;margin-top:20px}
.hiw-phase-grid{list-style:none;padding:0;margin:36px 0 0}
.hiw-phase-grid li{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:72px;padding:28px 0;border-top:1px solid #ffffff26}
.hiw-phase-grid li>div>span{font-size:13px;color:#e4c477}
.hiw-phase-grid h3{font-size:23px;margin-top:8px}
.hiw-page .hiw-phase-grid p{font-size:16px;line-height:1.85;color:#c4cfdd}
.hiw-timeline-close{display:flex;align-items:center;gap:40px;justify-content:space-between;border-top:1px solid #ffffff26;padding-top:28px;margin-top:8px}
.hiw-page .hiw-timeline-close p{max-width:700px;font-size:15px;line-height:1.8;color:#c4cfdd}
.hiw-timeline-close .button{flex-shrink:0}
.hiw-promise{background:#f5ecd5}
.hiw-promise>.container{display:grid;grid-template-columns:200px 1fr;gap:56px;align-items:center}
.hiw-promise img{width:200px;height:200px;object-fit:contain}
.hiw-promise h2{font-size:36px}.hiw-promise h2 span{color:#805e23}
.hiw-promise p{font-size:15px;line-height:1.8;color:#675c46;max-width:670px;margin:22px 0 12px}
.hiw-final{text-align:center;background:#071426;color:#fff}
.hiw-final h2{font-size:clamp(36px,4.5vw,56px);margin-bottom:28px}
.hiw-final .hiw-text-link{color:#e4c477;margin-top:16px}
.hiw-page a:focus-visible,.hiw-page button:focus-visible{outline:3px solid #bf963e;outline-offset:5px}
@media(max-width:1000px){
 .hiw-model-step,.hiw-editorial,.hiw-phase-grid li{gap:36px}
 body.page-how-it-works .hiw-page .hiw-inclusions article{gap:36px}
}
@media(max-width:760px){
 .hiw-page .hiw-section{padding:56px 0}.hiw-hero{padding:52px 0}
 body.page-how-it-works .hiw-page .hiw-lede{font-size:16px;margin-top:24px}
 .hiw-film figure{width:100%}.hiw-film-intro{text-align:left}.hiw-film-intro h2{font-size:29px}.hiw-film-intro p{font-size:15px;margin-left:0}
 .hiw-model-step,.hiw-editorial,.hiw-phase-grid li{grid-template-columns:1fr;gap:26px}
 .hiw-model-step{padding:36px 0}.hiw-step-heading h3{max-width:none}.hiw-key-points{max-width:none;margin-top:18px}
 .hiw-prose p,.hiw-page .hiw-phase-grid p{font-size:15px;line-height:1.8}
 body.page-how-it-works .hiw-page .hiw-inclusions article{grid-template-columns:1fr;gap:20px}
 .hiw-phase-grid li{gap:18px}.hiw-timeline-close{flex-direction:column;align-items:flex-start;gap:22px}
 .hiw-promise>.container{grid-template-columns:1fr;gap:24px}.hiw-promise img{width:160px;height:160px}.hiw-promise h2{font-size:30px}
}
@media(max-width:420px){.hiw-hero h1 br:last-child{display:none}.hiw-model-nav{gap:28px}.hiw-guarantee-link{font-size:12px}}

/* R86: explain the sequence with property, financing, and capital visuals. */
.hiw-process{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;list-style:none;padding:0;margin:40px 0 10px}
.hiw-process li{position:relative;min-width:0}
.hiw-process li+li::before{content:'→';position:absolute;left:-25px;top:46%;font-size:22px;color:#e4c477}
.hiw-process a{display:block;border:1px solid #405064;border-radius:12px;background:#10243a;padding:24px 26px;height:100%;transition:border-color .2s,background .2s}
.hiw-process a:hover{border-color:#e4c477;background:#162e47}
.hiw-process-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px;color:#e4c477}
.hiw-process-top>span{font-size:13px;letter-spacing:.1em;font-weight:600}
.hiw-process svg{width:38px;height:38px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.hiw-page .hiw-process h3{font-size:30px;margin-bottom:14px;color:#fff}
.hiw-process strong{display:block;font-size:16px;font-weight:500;color:#fff;line-height:1.5}
.hiw-process-detail{display:block;font-size:12px;line-height:1.7;color:#b9c8d7;margin-top:7px}
.hiw-page .hiw-model-step{grid-template-columns:1fr 1fr;align-items:center;gap:64px;padding:60px 0}
.hiw-step-label{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#e4c477;margin-bottom:18px}
.hiw-page .hiw-step-copy h3{font-size:clamp(26px,2.7vw,36px);margin-bottom:22px}
.hiw-model-step figure{margin:0;border-radius:12px;overflow:hidden}
.hiw-property-review{background:#f3f0e7;color:#172437}
.hiw-property-review>img{display:block;width:100%;height:210px;object-fit:cover;object-position:center 55%}
.hiw-property-review figcaption{padding:24px 28px}
.hiw-property-review figcaption>span{display:block;font-size:12px;font-weight:650;letter-spacing:.08em;text-transform:uppercase;color:#765b25;margin-bottom:16px}
.hiw-property-review dl{margin:0;display:grid;gap:12px}
.hiw-property-review dl>div{display:flex;justify-content:space-between;gap:20px;font-size:14px;line-height:1.5}
.hiw-property-review dt{font-weight:650}.hiw-property-review dd{margin:0;color:#536176;text-align:right}
.hiw-financing,.hiw-equity-plan{padding:30px;background:#f3f0e7;color:#172437}
.hiw-financing figcaption,.hiw-equity-plan figcaption{font-size:21px;font-weight:650;line-height:1.4;letter-spacing:-.02em}
.hiw-page .hiw-example-label{color:#765b25;font-size:12px;margin-top:5px}
.hiw-funding-bar{display:flex;height:80px;border-radius:7px;overflow:hidden;margin:28px 0 18px}
.hiw-funding-bar>span{display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:650}
.hiw-funding-bar>.hiw-bank{width:60%}.hiw-funding-bar>.hiw-seller{width:30%}.hiw-funding-bar>.hiw-capital{width:10%;font-size:12px}
.hiw-bank{background:#173b59;color:#fff}.hiw-seller{background:#a9c4d6;color:#10243a}.hiw-capital{background:#e4c477;color:#10243a}
.hiw-funding-legend{display:grid;gap:12px;margin:0 0 22px}.hiw-funding-legend>div{display:flex;justify-content:space-between;gap:20px;font-size:14px}
.hiw-funding-legend dt{display:flex;align-items:center;gap:10px}.hiw-funding-legend dd{margin:0;font-weight:650;font-variant-numeric:tabular-nums}.hiw-funding-legend i{width:12px;height:12px;border-radius:3px}
.hiw-page .hiw-visual-note{font-size:12px;line-height:1.7;color:#526277;margin:0}
.hiw-equity-plan ul{list-style:none;margin:20px 0 0;padding:0}.hiw-equity-plan li{position:relative;display:flex;flex-wrap:wrap;justify-content:space-between;gap:4px 16px;padding:13px 0 13px 22px;border-bottom:1px solid #d7d6ce;font-size:14px}.hiw-equity-plan li::before{content:'+';position:absolute;left:0;color:#886821;font-weight:600}.hiw-equity-plan small{font-size:12px;color:#526277;align-self:center}
.hiw-equity-total{display:flex;justify-content:space-between;align-items:center;padding:20px 0;font-size:16px}.hiw-equity-total svg{width:26px;height:26px;fill:none;stroke:#886821;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.hiw-partners{display:flex;align-items:center;gap:12px;margin-bottom:18px}.hiw-partners>span{flex:1;border:1px solid #b9bec0;padding:14px 8px;border-radius:6px;font-size:14px;text-align:center}.hiw-partners b{color:#886821}
body.page-how-it-works .hiw-page .hiw-inclusions article{grid-template-columns:minmax(0,.65fr) minmax(0,1.35fr);gap:48px}
.hiw-call-week{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;border:0;margin-top:28px}
.hiw-call-week>div{display:block;border:1px solid #d7dfe5;border-radius:8px;padding:0 0 20px;background:#fff;overflow:hidden}
.hiw-call-week strong{display:block;padding:10px 18px;background:#173b59;color:#fff;letter-spacing:.1em;font-size:12px}
.hiw-call-week span{display:block;padding:18px 16px 0;color:#172437;font-size:15px;font-weight:650;line-height:1.45}
.hiw-call-week small{display:block;font-size:12px;font-weight:400;line-height:1.6;color:#526277;margin-top:8px}
.hiw-timeline h2 span{color:#e4c477}
.hiw-phase-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));margin-top:48px;gap:0;counter-reset:phase}
.hiw-phase-grid li{display:block;border-top:2px solid #526174;padding:34px 26px 0 0;position:relative;counter-increment:phase}
.hiw-phase-grid li::before{content:counter(phase);position:absolute;top:-17px;left:0;width:32px;height:32px;display:grid;place-items:center;border-radius:50%;background:#e4c477;color:#071426;font-size:13px;font-weight:700;border:5px solid #071426;box-sizing:content-box}
.hiw-page .hiw-phase-grid h3{font-size:21px;line-height:1.4;margin:10px 0 16px;min-height:59px}
.hiw-page .hiw-phase-grid p{font-size:14px;line-height:1.85}
.hiw-timeline-close{margin-top:36px}
@media(max-width:1000px){.hiw-page .hiw-model-step{gap:36px}.hiw-process{gap:26px}.hiw-process a{padding:22px}.hiw-process li+li::before{left:-22px}.hiw-phase-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:42px 0}.hiw-page .hiw-phase-grid h3{min-height:0}}
@media(max-width:760px){
 .hiw-process{grid-template-columns:1fr;gap:16px;margin-top:30px}.hiw-process a{position:relative;padding:20px 22px 20px 78px}.hiw-process-top{position:absolute;top:22px;left:22px;display:block;margin:0}.hiw-process-top svg{display:none}.hiw-page .hiw-process h3{font-size:25px;margin-bottom:5px}.hiw-process strong{font-size:14px}.hiw-process-detail{font-size:11px}.hiw-process li+li::before{display:none}
 .hiw-page .hiw-model-step{grid-template-columns:1fr;gap:28px;padding:40px 0}.hiw-financing,.hiw-equity-plan{padding:24px}.hiw-property-review figcaption{padding:22px}.hiw-property-review dl>div{font-size:13px}.hiw-property-review>img{height:190px}
 body.page-how-it-works .hiw-page .hiw-inclusions article{grid-template-columns:1fr;gap:18px}.hiw-call-week{gap:8px}.hiw-call-week strong{padding:9px 12px}.hiw-call-week span{font-size:13px;padding:12px 10px 0}.hiw-call-week small{font-size:11px}
 .hiw-phase-grid{grid-template-columns:1fr;gap:0;margin-top:36px}.hiw-phase-grid li{border:0;border-left:2px solid #526174;margin-left:16px;padding:0 0 32px 32px}.hiw-phase-grid li::before{top:-5px;left:-22px}.hiw-phase-grid li:last-child{padding-bottom:0;border-color:transparent}.hiw-page .hiw-phase-grid h3{font-size:21px;margin-bottom:12px}
}
@media(prefers-reduced-motion:reduce){.hiw-process a{transition:none}}
/* Explain the process without implying a fixed capital split or a calculator. */
.hiw-financing-options{display:grid;margin-top:24px}
.hiw-financing-options>div{display:flex;gap:16px;padding:20px 0;border-bottom:1px solid #d7d6ce}
.hiw-option-number,.hiw-partner-steps>li>span{display:grid;place-items:center;flex:0 0 32px;width:32px;height:32px;border:1px solid #aa955f;border-radius:50%;font-size:12px;font-weight:600;color:#765b25}
.hiw-financing-options strong,.hiw-partner-steps strong{display:block;font-size:17px;line-height:1.4}
.hiw-financing-options p,.hiw-partner-steps p{font-size:14px;line-height:1.65;color:#526277;margin-top:6px}
.hiw-review-strip{margin-top:24px;padding:18px 20px;background:#193b54;color:white;border-radius:6px}
.hiw-review-strip strong{display:block;font-size:16px;line-height:1.5}.hiw-review-strip span{display:block;margin-top:6px;font-size:13px;color:#e4c477}
.hiw-partner-steps{list-style:none;display:grid;gap:22px;padding:0;margin:26px 0 0}
.hiw-equity-plan .hiw-partner-steps>li{display:flex;flex-wrap:nowrap;align-items:flex-start;justify-content:flex-start;gap:16px;padding:0 0 22px;border-bottom:1px solid #d7d6ce}
.hiw-equity-plan .hiw-partner-steps>li:last-child{border:0;padding-bottom:0}
.hiw-equity-plan .hiw-partner-steps>li:before{content:none}