.how-works-hero {
  background: linear-gradient(135deg, #eef7f2 0%, #f8fafb 50%, #f4f8f6 100%);
}

.how-works-breadcrumb a {
  color: #0f8a55;
  text-decoration: none;
  font-weight: 600;
}

.how-works-breadcrumb span {
  color: #6c757d;
}

.how-works-hero-badge {
  background: #eaf2ff;
  color: #0f8a55;
  border: 1px solid rgba(13, 110, 253, 0.15);
  padding: 8px 14px;
  border-radius: 50rem;
  font-weight: 700;
  font-size: 14px;
}

.how-works-hero-title {
  color: #10233f;
  font-weight: 800;
  font-size: clamp(36px, 5vw, 58px);
  line-height: 1.05;
}

.how-works-hero-lead {
  color: #4f5f73;
  font-size: 18px;
  line-height: 1.7;
  max-width: 680px;
}

.how-works-zip-card {
  background: #ffffff;
  border-radius: 28px;
  padding: 28px;
  box-shadow: 0 22px 60px rgba(16, 35, 63, 0.12);
  border: 1px solid rgba(13, 110, 253, 0.08);
}

.hero-zip-title {
  color: #10233f;
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 10px;
}

.hero-zip-lead {
  color: #5f6f82;
  line-height: 1.6;
}

.hero-zip-bar {
  background: #f6f9ff;
  border: 1px solid #dde8f7;
  border-radius: 50rem;
  padding: 6px;
  gap: 8px;
}

.hero-zip-icon {
  width: 42px;
  height: 42px;
  min-width: 42px;
  border-radius: 50%;
  background: #eaf2ff;
  color: #0f8a55;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.hero-zip-input {
  width: 100%;
  border: 0;
  outline: 0;
  background: transparent;
  color: #10233f;
  font-weight: 600;
  padding: 10px 6px;
}

.hero-zip-input::placeholder {
  color: #8a98aa;
}

.hero-zip-btn {
  border: 0;
  background: #0f8a55;
  color: #ffffff;
  font-weight: 700;
  border-radius: 50rem;
  padding: 12px 20px;
  white-space: nowrap;
  transition: 0.25s ease;
}

.hero-zip-btn:hover {
  background: #0f8a55;
}

.iwm-zip-error {
  color: #dc3545;
  font-size: 14px;
  margin-top: 8px;
}

.process-section{
    background:#f5fbf8;
}

.process-card{
    background:#fff;
    border:1px solid #dcebe5;
    border-radius:24px;
    padding:35px 25px;
    text-align:center;
    box-shadow:0 10px 30px rgba(0,0,0,.05);
    transition:.3s ease;
}

.process-card:hover{
    transform:translateY(-8px);
    box-shadow:0 20px 40px rgba(13,139,85,.12);
}

.process-icon{
    width:80px;
    height:80px;
    margin:0 auto 20px;
    border-radius:50%;
    background:linear-gradient(135deg,#0d8b55,#16a56d);
    display:flex;
    align-items:center;
    justify-content:center;
}

.process-icon i{
    color:#fff;
    font-size:30px;
}

.process-number{
    display:inline-block;
    color:#0d8b55;
    font-size:14px;
    font-weight:800;
    letter-spacing:2px;
    margin-bottom:12px;
}

.process-card h3{
    font-size:20px;
    font-weight:700;
    color:#172331;
    margin-bottom:15px;
}

.process-card p{
    color:#667788;
    font-size:15px;
    line-height:1.8;
    margin:0;
}

.how-detail-section{
    background:#f5fbf8;
}

.detail-card{
    background:#fff;
    border:1px solid #dcebe5;
    border-radius:24px;
    padding:30px;
    box-shadow:0 10px 30px rgba(0,0,0,.05);
    transition:.3s ease;
}

.detail-card:hover{
    transform:translateY(-6px);
    box-shadow:0 20px 40px rgba(13,139,85,.12);
}

.detail-header{
    display:flex;
    align-items:center;
    gap:15px;
    margin-bottom:20px;
}

.detail-number{
    width:55px;
    height:55px;
    border-radius:50%;
    background:linear-gradient(135deg,#0d8b55,#16a56d);
    color:#fff;
    font-size:16px;
    font-weight:800;
    display:flex;
    align-items:center;
    justify-content:center;
    flex-shrink:0;
}

.detail-header h3{
    font-size:22px;
    font-weight:700;
    color:#172331;
    margin:0;
    line-height:1.4;
}

.detail-desc{
    color:#667788;
    line-height:1.9;
    margin-bottom:20px;
}

.detail-list{
    list-style:none;
    padding:0;
    margin:0;
}

.detail-list li{
    position:relative;
    padding-left:28px;
    margin-bottom:14px;
    color:#667788;
    line-height:1.8;
}

.detail-list li:last-child{
    margin-bottom:0;
}

.detail-list li::before{
    content:"✓";
    position:absolute;
    left:0;
    top:0;
    color:#0d8b55;
    font-weight:700;
}

.how-works-role-card{
    background:#fff;
    border:1px solid #e7ecef;
    border-radius:24px;
    padding:32px;
    box-shadow:0 10px 30px rgba(0,0,0,.06);
    transition:.3s ease;
}

.how-works-role-card:hover{
    transform:translateY(-6px);
    box-shadow:0 20px 45px rgba(0,0,0,.10);
}

.how-works-role-head{
    display:flex;
    align-items:center;
    gap:16px;
    margin-bottom:24px;
}

.how-works-role-head i{
    width:60px;
    height:60px;
    min-width:60px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:16px;
    font-size:24px;
}

.how-works-role-us .how-works-role-head i{
    background:#e8f8f0;
    color:#0d8b55;
}

.how-works-role-provider .how-works-role-head i{
    background:#eef4ff;
    color:#2563eb;
}

.how-works-role-head h3{
    margin:0;
    font-size:24px;
    font-weight:700;
    color:#172331;
    line-height:1.4;
}

.how-works-role-list{
    list-style:none;
    padding:0;
    margin:0;
}

.how-works-role-list li{
    position:relative;
    padding-left:32px;
    margin-bottom:18px; /* gap between li */
    color:#667788;
    font-size:15px;
    line-height:1.9;
}

.how-works-role-list li:last-child{
    margin-bottom:0;
}

.how-works-role-list li::before{
    content:"✓";
    position:absolute;
    left:0;
    top:0;
    color:#0d8b55;
    font-weight:700;
    font-size:16px;
}

.start-options-section{
    background:#fff;
}

.start-option-card{
    background:#fff;
    border:1px solid #e7ecef;
    border-radius:24px;
    padding:35px;
    box-shadow:0 10px 30px rgba(0,0,0,.06);
    transition:.3s ease;
}

.start-option-card:hover{
    transform:translateY(-6px);
    box-shadow:0 20px 45px rgba(0,0,0,.10);
}

.start-option-icon{
    width:70px;
    height:70px;
    border-radius:18px;
    background:#e8f8f0;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:22px;
}

.start-option-icon i{
    color:#0d8b55;
    font-size:28px;
}

.start-option-card h3{
    font-size:24px;
    font-weight:700;
    color:#172331;
    margin-bottom:15px;
}

.start-option-card p{
    color:#667788;
    font-size:15px;
    line-height:1.9;
    margin-bottom:24px;
}

.start-option-card .btn{
    font-weight:600;
    padding:.75rem 1.5rem;
}


.how-faq-section{
    background:#f5fbf8;
}

.how-faq-accordion{
    max-width:950px;
    margin:auto;
    display:grid;
    gap:16px;
}

.how-faq-accordion .accordion-item{
    background:#fff;
    border:1px solid #e7ecef;
    border-radius:18px;
    overflow:hidden;
    box-shadow:0 8px 24px rgba(0,0,0,.05);
}

.how-faq-accordion .accordion-button{
    background:#fff;
    color:#172331;
    font-size:17px;
    font-weight:700;
    padding:20px 24px;
    box-shadow:none;
}

.how-faq-accordion .accordion-button:not(.collapsed){
    background:#0d8b55;
    color:#fff;
}

.how-faq-accordion .accordion-button:focus{
    box-shadow:none;
}

.how-faq-accordion .accordion-body{
    color:#667788;
    font-size:15px;
    line-height:1.8;
    padding:22px 24px;
}

.cta-disclaimer-section{
    background:#f5fbf8;
}

.cta-panel{
    background:linear-gradient(135deg,#0d8b55,#16a56d);
    border-radius:28px;
    padding:40px;
    box-shadow:0 15px 40px rgba(13,139,85,.18);
}

.cta-title{
    color:#fff;
    font-size:32px;
    font-weight:800;
    margin-bottom:12px;
}

.cta-text{
    color:rgba(255,255,255,.92);
    font-size:16px;
    line-height:1.8;
}

.cta-panel .btn{
    font-size:15px;
}

.disclaimer-box{
    background:#fff;
    border:1px solid #e7ecef;
    border-radius:20px;
    padding:24px;
    box-shadow:0 8px 25px rgba(0,0,0,.05);
}

.disclaimer-box p{
    color:#667788;
    font-size:14px;
    line-height:1.9;
    text-align:center;
}
@media (max-width:991px){

    .how-works-role-card{
        padding:24px;
    }

    .how-works-role-head h3{
        font-size:20px;
    }

}