.hiw-page{background:var(--white)}.hiw-hero{padding:32px 0 8px}.hiw-breadcrumb{font-size:.85rem;color:var(--gray-400);margin-bottom:14px}.hiw-breadcrumb a{color:var(--gray-400);text-decoration:underline}.hiw-hero__title{font-size:clamp(1.8rem,3.2vw,2.4rem);color:var(--navy, var(--primary-dark));margin:0 0 10px}.hiw-hero__subtitle{max-width:640px;color:var(--gray-600);font-size:1.02rem;line-height:1.7}.hiw-steps{padding:32px 0 40px}.hiw-steps__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.hiw-steps__item{position:relative;background:var(--gray-50);border-radius:12px;padding:22px 18px}.hiw-steps__num{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.06em;color:var(--white);background:var(--primary-light, #3b82f6);border-radius:999px;padding:4px 10px;margin-bottom:10px}.hiw-steps__title{font-size:1.05rem;margin:0 0 8px;color:var(--primary-dark)}.hiw-steps__desc{font-size:.9rem;color:var(--gray-600);line-height:1.65;margin:0}.hiw-steps__arrow{display:none}.hiw-info{padding:8px 0 40px;background:var(--gray-50)}.hiw-info__grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;padding-top:32px}.hiw-info__card p{color:var(--gray-600);line-height:1.72;font-size:.95rem;margin:0 0 11px}.hiw-faq{padding:40px 0}.hiw-faq__item{padding:16px 0;border-bottom:1px solid var(--gray-200, #e5e7eb)}.hiw-faq__item h3{margin:0 0 6px;font-size:1.05rem;color:var(--primary-dark)}.hiw-faq__item p{margin:0;color:var(--gray-600);line-height:1.7;font-size:.95rem}.hiw-cta{position:relative;z-index:1;background:linear-gradient(135deg,#fef3c7,#fde68a);margin:0 0 40px}.hiw-cta__inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:26px 0;flex-wrap:wrap}.hiw-cta__inner p{margin:0;font-weight:600;color:var(--primary-dark)}@media(max-width:900px){.hiw-steps__grid{grid-template-columns:repeat(2,1fr)}.hiw-info__grid{grid-template-columns:1fr}}@media(max-width:560px){.hiw-steps__grid{grid-template-columns:1fr}.hiw-cta__inner{flex-direction:column;text-align:center}}