.hiw-page {
  background:
    radial-gradient(circle at top left, rgba(255, 194, 96, 0.16), transparent 28%),
    radial-gradient(circle at top right, rgba(53, 160, 255, 0.14), transparent 32%),
    linear-gradient(180deg, #f5f8ff 0%, #fbfdff 42%, #ffffff 100%);
  overflow: hidden;
}

.hiw-hero,
.hiw-loan-types,
.hiw-process,
.hiw-compare,
.hiw-prep,
.hiw-support,
.hiw-cta {
  padding: 76px 0;
}

.hiw-hero {
  padding-top: 152px;
}

.hiw-eyebrow {
  margin: 0 0 14px;
  color: #0f80d9;
  font-size: 14px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.hiw-section-head {
  max-width: 780px;
  margin-bottom: 34px;
}

.hiw-center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.hiw-center p {
  margin-left: auto;
  margin-right: auto;
}

.hiw-hero-grid,
.hiw-compare-grid,
.hiw-support-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(320px, 0.94fr);
  gap: 34px;
  align-items: center;
}

.hiw-copy h1,
.hiw-section-head h2,
.hiw-cta-card h2 {
  margin: 0;
  color: #133b6d;
  font-size: clamp(38px, 4vw, 66px);
  font-weight: 800;
  line-height: 0.98;
  letter-spacing: -0.04em;
}

.hiw-section-head h2,
.hiw-cta-card h2 {
  font-size: clamp(34px, 3.2vw, 52px);
}

.hiw-intro,
.hiw-section-head p,
.hiw-loan-card p,
.hiw-process-card p,
.hiw-compare-copy p,
.hiw-panel-card p,
.hiw-prep-card p,
.hiw-support-copy p,
.hiw-stat-card span,
.hiw-floating-card li,
.hiw-panel-list li,
.hiw-list li,
.hiw-cta-card p {
  color: #56739a;
  font-size: 18px;
  line-height: 1.8;
}

.hiw-intro {
  max-width: 710px;
  margin: 22px 0 0;
}

.hiw-chip-row,
.hiw-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.hiw-chip-row {
  margin-top: 28px;
}

.hiw-chip-row span {
  padding: 11px 16px;
  border: 1px solid rgba(18, 129, 216, 0.18);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.82);
  color: #214f83;
  font-size: 14px;
  font-weight: 700;
}

.hiw-cta-row {
  margin-top: 28px;
}

.hiw-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 58px;
  padding: 0 26px;
  border-radius: 16px;
  border: 1px solid transparent;
  font-size: 16px;
  font-weight: 800;
  text-decoration: none;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease,
    background-color 0.25s ease, color 0.25s ease;
}

.hiw-btn:hover {
  transform: translateY(-2px);
}

.hiw-btn-primary {
  background: linear-gradient(135deg, #0f80d9 0%, #0eb5d2 100%);
  box-shadow: 0 18px 36px rgba(15, 128, 217, 0.22);
  color: #fff;
}

.hiw-btn-primary:hover {
  color: #fff;
}

.hiw-btn-secondary {
  background: rgba(255, 255, 255, 0.82);
  border-color: rgba(18, 129, 216, 0.18);
  color: #16518a;
}

.hiw-btn-secondary:hover {
  color: #16518a;
}

.hiw-stat-grid,
.hiw-loan-grid,
.hiw-process-grid,
.hiw-prep-grid {
  display: grid;
  gap: 18px;
}

.hiw-stat-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 34px;
}

.hiw-stat-card,
.hiw-loan-card,
.hiw-process-card,
.hiw-panel-card,
.hiw-prep-card,
.hiw-floating-card,
.hiw-cta-card {
  border: 1px solid rgba(18, 129, 216, 0.12);
  border-radius: 28px;
  background: rgba(255, 255, 255, 0.88);
  box-shadow: 0 22px 54px rgba(18, 47, 92, 0.08);
}

.hiw-stat-card {
  padding: 22px 20px;
}

.hiw-stat-card strong,
.hiw-loan-card h3,
.hiw-process-card h3,
.hiw-panel-card h3,
.hiw-prep-card h3,
.hiw-floating-card h3 {
  display: block;
  margin: 0 0 10px;
  color: #123768;
  font-size: 22px;
  font-weight: 700;
  line-height: 1.22;
}

.hiw-stat-card strong {
  font-size: 19px;
}

.hiw-stat-card span {
  display: block;
  font-size: 15px;
}

.hiw-visual {
  position: relative;
  padding: 14px 0 20px 26px;
}

.hiw-visual::before {
  position: absolute;
  inset: 32px 0 0 64px;
  border-radius: 40px;
  background: linear-gradient(180deg, rgba(15, 128, 217, 0.12), rgba(15, 128, 217, 0.02));
  content: "";
}

.hiw-visual-main {
  position: relative;
  z-index: 1;
  overflow: hidden;
  border-radius: 38px;
  background: linear-gradient(180deg, #d7ecff 0%, #eef7ff 100%);
  box-shadow: 0 38px 74px rgba(18, 47, 92, 0.2);
}

.hiw-visual-main img,
.hiw-support-visual img {
  display: block;
  width: 100%;
}

.hiw-visual-main img {
  aspect-ratio: 0.96;
  object-fit: contain;
  object-position: center top;
  padding: 10px 18px 0;
}

.hiw-support-visual img {
  object-fit: cover;
}

.hiw-floating-card {
  position: absolute;
  right: -10px;
  bottom: 8px;
  z-index: 2;
  width: min(380px, 84%);
  padding: 24px;
}

.hiw-mini-label {
  margin: 0 0 12px;
  color: #0f80d9;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.hiw-floating-card ul,
.hiw-panel-list,
.hiw-list {
  margin: 16px 0 0;
  padding: 0;
  list-style: none;
}

.hiw-floating-card li,
.hiw-panel-list li,
.hiw-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-bottom: 10px;
}

.hiw-floating-card i,
.hiw-panel-list i,
.hiw-list i,
.hiw-prep-card i {
  flex-shrink: 0;
  color: #0f80d9;
}

.hiw-loan-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.hiw-loan-card,
.hiw-process-card,
.hiw-prep-card {
  padding: 24px;
}

.hiw-process {
  background: linear-gradient(180deg, rgba(241, 246, 255, 0.7), rgba(255, 255, 255, 0));
}

.hiw-process-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.hiw-process-card span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  margin-bottom: 18px;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(15, 128, 217, 0.12), rgba(14, 181, 210, 0.12));
  color: #0f80d9;
  font-size: 20px;
  font-weight: 800;
}

.hiw-compare-panel {
  display: grid;
  gap: 18px;
}

.hiw-panel-card {
  padding: 26px;
}

.hiw-panel-card-accent {
  background: linear-gradient(180deg, #133b6d 0%, #0e75c4 100%);
  border-color: transparent;
  box-shadow: 0 26px 56px rgba(9, 49, 104, 0.2);
}

.hiw-panel-card-accent h3,
.hiw-panel-card-accent p {
  color: #fff;
}

.hiw-prep-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.hiw-prep-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  margin-bottom: 16px;
  border-radius: 18px;
  background: linear-gradient(135deg, rgba(255, 188, 89, 0.18), rgba(15, 128, 217, 0.12));
  font-size: 24px;
}

.hiw-support-visual {
  overflow: hidden;
  border-radius: 34px;
  box-shadow: 0 36px 70px rgba(18, 47, 92, 0.18);
}

.hiw-support-visual img {
  aspect-ratio: 1.04;
}

.hiw-cta-card {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 22px;
  align-items: center;
  padding: 34px;
}

.hiw-cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: flex-end;
}

@media (max-width: 1199px) {
  .hiw-hero {
    padding-top: 142px;
  }

  .hiw-hero-grid,
  .hiw-compare-grid,
  .hiw-support-grid {
    grid-template-columns: 1fr;
  }

  .hiw-loan-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hiw-process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hiw-prep-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hiw-stat-grid {
    grid-template-columns: 1fr;
  }

  .hiw-visual {
    max-width: 740px;
    margin: 0 auto;
    padding-left: 0;
  }

  .hiw-visual::before {
    inset: 32px 18px 0;
  }
}

@media (max-width: 991px) {
  .hiw-hero,
  .hiw-loan-types,
  .hiw-process,
  .hiw-compare,
  .hiw-prep,
  .hiw-support,
  .hiw-cta {
    padding: 58px 0;
  }

  .hiw-hero {
    padding-top: 128px;
  }

  .hiw-process-grid,
  .hiw-loan-grid,
  .hiw-prep-grid {
    grid-template-columns: 1fr;
  }

  .hiw-floating-card {
    position: relative;
    right: auto;
    bottom: auto;
    width: 100%;
    margin-top: -34px;
  }

  .hiw-cta-card {
    grid-template-columns: 1fr;
  }

  .hiw-cta-actions {
    justify-content: flex-start;
  }
}

@media (max-width: 767px) {
  .hiw-hero {
    padding-top: 112px;
  }

  .hiw-chip-row,
  .hiw-cta-row,
  .hiw-cta-actions {
    flex-direction: column;
  }

  .hiw-btn {
    width: 100%;
  }

  .hiw-copy h1,
  .hiw-section-head h2,
  .hiw-cta-card h2 {
    font-size: clamp(32px, 9vw, 46px);
  }

  .hiw-intro,
  .hiw-section-head p,
  .hiw-loan-card p,
  .hiw-process-card p,
  .hiw-compare-copy p,
  .hiw-panel-card p,
  .hiw-prep-card p,
  .hiw-support-copy p,
  .hiw-stat-card span,
  .hiw-floating-card li,
  .hiw-panel-list li,
  .hiw-list li,
  .hiw-cta-card p {
    font-size: 16px;
    line-height: 1.72;
  }

  .hiw-stat-card,
  .hiw-loan-card,
  .hiw-process-card,
  .hiw-panel-card,
  .hiw-prep-card,
  .hiw-floating-card,
  .hiw-cta-card {
    padding: 22px;
    border-radius: 24px;
  }

  .hiw-visual::before {
    inset: 28px 10px 0;
    border-radius: 28px;
  }

  .hiw-visual-main,
  .hiw-support-visual {
    border-radius: 24px;
  }

  .hiw-visual-main img {
    padding: 8px 12px 0;
  }
}