*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #1a2744;
  --navy-light: #243358;
  --white:      #ffffff;
  --off-white:  #f5f7fa;
  --light-blue: #eef2f8;
  --text-dark:  #0d1b2a;
  --text-body:  #3a4a5c;
  --text-muted: #6b7a8d;
  --border:     #e2e8f0;
  --gold:       #c9a84c;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ─── NAV ─── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 0 40px;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--text-dark);
}
.nav-logo svg { width: 36px; height: 36px; flex-shrink: 0; }
.nav-logo-text {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-dark);
}

.nav-links {
  display: flex;
  gap: 36px;
  list-style: none;
}
.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-body);
  text-decoration: none;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--navy); }

.nav-ctas {
  display: flex;
  gap: 10px;
  align-items: center;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 10px 22px;
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.2s;
  border: none;
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-light); transform: translateY(-1px); }

.btn-outline {
  background: transparent;
  color: var(--text-dark);
  border: 1.5px solid var(--border);
}
.btn-outline:hover { border-color: var(--navy); color: var(--navy); }

.btn-lg {
  padding: 14px 32px;
  font-size: 15px;
}

.btn-white {
  background: var(--white);
  color: var(--navy);
}
.btn-white:hover { background: #f0f4ff; }

/* ─── HERO ─── */
.hero {
  position: relative;
  height: 100vh;
  min-height: 620px;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1507525428034-b723cf961d3e?w=1920&q=80');
  background-size: cover;
  background-position: center 40%;
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(10,20,45,0.68) 0%,
    rgba(10,20,45,0.35) 60%,
    rgba(10,20,45,0.10) 100%
  );
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 60px;
  padding-top: 68px;
}

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.3);
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 24px;
  backdrop-filter: blur(4px);
}

.hero h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.12;
  max-width: 640px;
  margin-bottom: 22px;
}

.hero-sub {
  font-size: 17px;
  font-weight: 400;
  color: rgba(255,255,255,0.82);
  max-width: 480px;
  margin-bottom: 36px;
  line-height: 1.65;
}
.hero-sub.hero-sub-banner p {
  font-size: 17px !important;
  font-weight: 400;
  color: rgba(255,255,255,0.82);  
  line-height: 1.65;
  margin-bottom: 0 !important;
}

.hero-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* ─── SECTION BASICS ─── */
section { width: 100%; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 40px;
}

.section-pad { padding: 90px 0; }
.section-pad-sm { padding: 70px 0; }

.section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 14px;
}

.section-title {
  font-size: clamp(1.7rem, 3vw, 2.5rem);
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.18;
  margin-bottom: 18px;
}

.section-title-center { text-align: center; }

.section-intro {
  font-size: 16px;
  color: var(--text-body);
  max-width: 680px;
  line-height: 1.7;
}

.section-intro-center {
  text-align: center;
  margin: 0 auto;
}

/* ─── INTRO BAND ─── */
.intro-band {
  background: var(--white);
  padding: 80px 0 60px;
  text-align: center;
  border-bottom: 1px solid var(--border);
}
.intro-band h2 {
  font-size: clamp(1.6rem, 3vw, 2.35rem);
  font-weight: 800;
  max-width: 780px;
  margin: 0 auto 16px;
  line-height: 1.2;
}
.intro-band .tagline {
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.05em;
  color: var(--text-muted);
  margin-bottom: 28px;
}
.intro-band p {
  font-size: 16px;
  color: var(--text-body);
  max-width: 720px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ─── PROBLEM ─── */
.problem-section { background: var(--off-white); }

.problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 50px;
}

.problem-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 36px 30px;
}

.problem-icon {
  width: 48px;
  height: 48px;
  background: var(--light-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.problem-icon svg { width: 22px; height: 22px; stroke: var(--navy); fill: none; stroke-width: 2; }

.problem-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 12px;
}
.problem-card p {
  font-size: 14.5px;
  color: var(--text-body);
  line-height: 1.65;
}

.blockquote-band {
  background: var(--off-white);
  padding: 50px 0;
}
.blockquote-inner {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}
.blockquote-inner blockquote {
  font-size: clamp(1.05rem, 2vw, 1.3rem);
  font-weight: 400;
  font-style: italic;
  color: var(--text-body);
  line-height: 1.65;
  position: relative;
  padding: 0 24px;
}
.blockquote-inner blockquote::before {
  content: '\201C';
  font-size: 5rem;
  color: var(--navy);
  opacity: 0.15;
  position: absolute;
  top: -20px; left: -10px;
  font-style: normal;
  line-height: 1;
}

/* ─── SOLUTION ─── */
.solution-section { background: var(--white); }

.solution-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
  margin-top: 10px;
}

.solution-text .founder-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--light-blue);
  color: var(--navy);
  font-size: 12px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 50px;
  margin-bottom: 24px;
}

.solution-text p {
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.75;
  margin-bottom: 16px;
}

.solution-checklist {
  list-style: none;
  margin: 28px 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.solution-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14.5px;
  color: var(--text-body);
  line-height: 1.5;
}
.check-icon {
  width: 20px;
  height: 20px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.check-icon svg { width: 11px; height: 11px; stroke: white; fill: none; stroke-width: 2.5; }

.solution-free-tag {
  background: var(--navy);
  color: var(--white);
  border-radius: 12px;
  padding: 20px 24px;
  font-size: 14px;
  line-height: 1.5;
  margin-top: 10px;
}
.solution-free-tag strong { display: block; font-size: 15px; margin-bottom: 4px; }

.solution-visual {
  background: var(--light-blue);
  border-radius: 20px;
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
}
.solution-visual::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 220px; height: 220px;
  border-radius: 50%;
  background: rgba(26,39,68,0.06);
}
.solution-visual-title {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 28px;
}
.solution-stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.stat-box {
  background: var(--white);
  border-radius: 12px;
  padding: 20px;
  text-align: center;
}
.stat-box .stat-num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-box .stat-label {
  font-size: 12px;
  color: var(--text-muted);
  font-weight: 500;
}
.stat-box-wide {
  background: var(--navy);
  border-radius: 12px;
  padding: 20px;
  text-align: center;
  color: white;
}
.stat-box-wide .stat-num { font-size: 1.6rem; font-weight: 800; }
.stat-box-wide .stat-label { font-size: 12px; opacity: 0.75; font-weight: 500; margin-top: 4px; }

/* ─── FRAMEWORK ─── */
.framework-section { background: var(--off-white); }

.framework-intro {
  text-align: center;
  margin-bottom: 52px;
}

.factors-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.factors-group {
  background: var(--white);
  border-radius: 20px;
  padding: 36px;
  border: 1px solid var(--border);
}

.factors-group-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 28px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border);
}
.group-badge {
  background: var(--navy);
  color: var(--white);
  font-size: 11px;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 50px;
  letter-spacing: 0.06em;
}
.group-badge.non-fin {
  background: var(--light-blue);
  color: var(--navy);
}
.factors-group-header h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-dark);
}

.factor-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.factor-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.factor-num {
  width: 28px;
  height: 28px;
  background: var(--light-blue);
  color: var(--navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.factor-num.non-fin-num {
  background: var(--navy);
  color: var(--white);
}
.factor-name {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 2px;
}
.factor-desc {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
}

.framework-footer {
  text-align: center;
  margin-top: 44px;
  padding: 28px 32px;
  background: var(--navy);
  border-radius: 16px;
  color: var(--white);
  font-size: 15px;
  font-style: italic;
  line-height: 1.6;
}

/* ─── WEALTH WHEEL (photo bg) ─── */
.wheel-section {
  position: relative;
  overflow: hidden;
}
.wheel-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1505118380757-91f5f5632de0?w=1920&q=80');
  background-size: cover;
  background-position: center;
}
.wheel-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(10,20,40,0.60);
}
.wheel-content {
  position: relative;
  z-index: 2;
  padding: 90px 0;
}
.wheel-header {
  text-align: center;
  margin-bottom: 52px;
}
.wheel-header .section-label { color: rgba(255,255,255,0.7); }
.wheel-header .section-title { color: var(--white); }
.wheel-header .section-intro { color: rgba(255,255,255,0.75); margin: 0 auto; }

.wheel-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.wheel-card {
  background: var(--white);
  border-radius: 16px;
  padding: 32px 28px;
}
.wheel-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 14px;
  padding-bottom: 14px;
  border-bottom: 1.5px solid var(--border);
}
.wheel-card p {
  font-size: 14px;
  color: var(--text-body);
  line-height: 1.65;
}

.wheel-quote {
  text-align: center;
  margin-top: 50px;
  color: rgba(255,255,255,0.85);
  font-size: 16px;
  font-style: italic;
  max-width: 620px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.65;
}

/* ─── TOOLS ─── */
.tools-section { background: var(--white); }

.tools-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 50px;
}

.tool-card {
  background: var(--off-white);
  border-radius: 14px;
  padding: 28px 24px;
  border: 1px solid var(--border);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.tool-card:hover {
  border-color: var(--navy);
  box-shadow: 0 4px 20px rgba(26,39,68,0.08);
}
.tool-icon {
  width: 42px;
  height: 42px;
  background: var(--navy);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.tool-icon svg { width: 20px; height: 20px; stroke: white; fill: none; stroke-width: 1.8; }
.tool-card h3 {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.tool-card p {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}

.tools-hub-tag {
  margin-top: 32px;
  background: var(--light-blue);
  border: 1px solid #d0dff5;
  border-radius: 12px;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 14px;
  color: var(--navy);
}
.tools-hub-tag strong { font-weight: 700; }
.hub-dot {
  width: 10px; height: 10px;
  background: var(--navy);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ─── BENEFITS ─── */
.benefits-section { background: var(--off-white); }

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 50px;
}

.benefit-card {
  background: var(--white);
  border-radius: 14px;
  padding: 28px 24px;
  border: 1px solid var(--border);
}
.benefit-num {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  margin-bottom: 12px;
}
.benefit-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 10px;
  line-height: 1.3;
}
.benefit-card p {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ─── REVENUE MODEL BANNER ─── */
.revenue-banner {
  position: relative;
  overflow: hidden;
}
.revenue-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1470770903676-69b98201ea1c?w=1920&q=80');
  background-size: cover;
  background-position: center;
}
.revenue-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(8,16,38,0.75);
}
.revenue-content {
  position: relative;
  z-index: 2;
  padding: 80px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.revenue-text h2 {
  font-size: clamp(1.5rem, 2.8vw, 2.1rem);
  font-weight: 800;
  color: var(--white);
  max-width: 560px;
  line-height: 1.2;
  margin-bottom: 14px;
}
.revenue-text p {
  font-size: 15px;
  color: rgba(255,255,255,0.75);
  max-width: 500px;
  line-height: 1.65;
}
.revenue-cta { flex-shrink: 0; }

/* ─── REVENUE MODEL SECTION ─── */
.revenue-model-section { background: var(--white); }

.revenue-model-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 50px;
}

.rm-card {
  border-radius: 16px;
  padding: 32px 28px;
  border: 1px solid var(--border);
}
.rm-card.primary { background: var(--navy); border-color: var(--navy); }
.rm-card.primary h3,
.rm-card.primary p,
.rm-card.primary .rm-step { color: var(--white); }
.rm-card.primary .rm-step { opacity: 0.6; }
.rm-card.secondary { background: var(--off-white); }

.rm-step {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 12px;
}
.rm-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 12px;
  line-height: 1.3;
}
.rm-card p {
  font-size: 14px;
  color: var(--text-body);
  line-height: 1.65;
}

/* ─── FINAL CTA ─── */
.final-cta {
  background: var(--navy);
  padding: 90px 0;
  text-align: center;
}
.final-cta h2 {
  font-size: clamp(1.7rem, 3vw, 2.6rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}
.final-cta p {
  font-size: 16px;
  color: rgba(255,255,255,0.7);
  max-width: 540px;
  margin: 0 auto 36px;
  line-height: 1.65;
}
.final-cta-buttons {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}
.btn-white-outline {
  background: transparent;
  color: white;
  border: 1.5px solid rgba(255,255,255,0.4);
  padding: 14px 30px;
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  transition: all 0.2s;
}
.btn-white-outline:hover { border-color: white; background: rgba(255,255,255,0.08); }

.free-note {
  margin-top: 22px;
  font-size: 13px;
  color: rgba(255,255,255,0.5);
}
.free-note strong { color: rgba(255,255,255,0.8); }

/* ─── BACK TO TOP ─── */
.adviser-back-to-top {
  position: fixed;
  right: 20px;
  bottom: 20px;
  width: 44px;
  height: 44px;
  border: none;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 20px;
  font-weight: 700;
  line-height: 1;
  cursor: pointer;
  box-shadow: 0 8px 18px rgba(0, 0, 0, 0.18);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease, background 0.2s ease;
  z-index: 999;
}

.adviser-back-to-top:hover {
  background: var(--navy-light);
}

.adviser-back-to-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

/* ─── FOOTER ─── */
footer {
  background: #0d1622;
  color: rgba(255,255,255,0.5);
  padding: 44px 40px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 13px;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.8);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}
footer a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
}
footer a:hover { color: white; }
.footer-links { display: flex; gap: 24px; }

/* ─── RESPONSIVE ─── */
@media (max-width: 960px) {
  nav { padding: 0 24px; }
  .nav-links { display: none; }
  .hero-content { padding: 0 24px; padding-top: 68px; }
  .container { padding: 0 24px; }
  .problem-grid { grid-template-columns: 1fr; }
  .solution-grid { grid-template-columns: 1fr; }
  .solution-visual { display: none; }
  .factors-container { grid-template-columns: 1fr; }
  .wheel-cards { grid-template-columns: 1fr; }
  .tools-grid { grid-template-columns: 1fr 1fr; }
  .benefits-grid { grid-template-columns: 1fr 1fr; }
  .revenue-model-grid { grid-template-columns: 1fr; }
  .revenue-content { flex-direction: column; }
  footer { flex-direction: column; gap: 16px; }
}

@media (max-width: 600px) {
  .tools-grid { grid-template-columns: 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 2rem; }
  .adviser-back-to-top {
    right: 14px;
    bottom: 14px;
  }
} 
.hiw-circle {
  width:80px;height:80px;background:rgba(255,255,255,0.1);border:2px solid rgba(255,255,255,0.25);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;
}
.hiw-circle.active { background:white;border-color:white; }

/* ─── HOW IT WORKS ─── */
.hiw-section {
  background: var(--navy);
}

.hiw-header {
  text-align: center;
  margin-bottom: 52px;
}

.hiw-label {
  color: rgba(255,255,255,0.55);
}

.hiw-title {
  color: var(--white);
  max-width: 620px;
  margin: 0 auto 16px;
}

.hiw-intro {
  color: rgba(255,255,255,0.7);
}

.hiw-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2px;
  position: relative;
}

.hiw-grid-line {
  position: absolute;
  top: 40px;
  left: calc(12.5% + 20px);
  right: calc(12.5% + 20px);
  height: 2px;
  background: rgba(255,255,255,0.15);
  z-index: 0;
}

.hiw-item {
  text-align: center;
  padding: 0 16px;
  position: relative;
  z-index: 1;
}

.hiw-step-no {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 10px;
}

.hiw-step-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
  line-height: 1.3;
}

.hiw-step-desc {
  font-size: 13.5px;
  color: rgba(255,255,255,0.65);
  line-height: 1.6;
}

.hiw-empty {
  grid-column: 1 / -1;
  text-align: center;
  color: rgba(255,255,255,0.75);
}

.hiw-cta-wrap {
  text-align: center;
  margin-top: 52px;
}

@media (max-width: 767px) {
  .hiw-section {
    padding: 70px 0;
  }

  .hiw-header {
    margin-bottom: 36px;
  }

  .hiw-title {
    max-width: 100%;
    margin: 0 auto 12px;
    font-size: 1.6rem;
    line-height: 1.25;
  }

  .hiw-intro {
    font-size: 14px;
    line-height: 1.6;
    max-width: 100%;
  }

  .hiw-grid {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .hiw-grid-line {
    display: none;
  }

  .hiw-item {
    padding: 0 8px;
  }

  .hiw-step-title {
    font-size: 15px;
  }

  .hiw-step-desc {
    font-size: 13px;
    line-height: 1.55;
    max-width: 320px;
    margin: 0 auto;
  }

  .hiw-cta-wrap {
    margin-top: 34px;
  }
}