/* How It Works — Clutch auto-financing layout, DealerCanada / Canada Drives colors */

.hiw-hero {
  background: #fff;
  padding: 40px 0 48px;
}
@media (min-width: 900px) {
  .hiw-hero { padding: 56px 0 64px; }
}
.hiw-hero__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  align-items: center;
}
@media (min-width: 900px) {
  .hiw-hero__grid {
    grid-template-columns: 1fr 1fr;
    gap: 48px;
  }
}
.hiw-hero__copy {
  text-align: left;
  max-width: 540px;
}
.hiw-hero__copy h1 {
  margin: 0 0 18px;
  color: var(--gray-500);
  font-family: var(--font-display);
  font-size: clamp(34px, 4.5vw, 52px);
  line-height: 1.12;
  font-weight: 700;
  letter-spacing: -0.025em;
}
.hiw-hero__copy p {
  margin: 0 0 28px;
  color: var(--gray-400);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.55;
  max-width: 440px;
}
.hiw-hero__copy .btn {
  border-radius: 999px;
  min-width: 200px;
  height: 52px;
  font-weight: 600;
}
.hiw-hero__media {
  border-radius: 28px;
  overflow: hidden;
  background: var(--blue-50);
  aspect-ratio: 4 / 3;
  box-shadow: 0 8px 28px rgba(7, 154, 223, 0.12);
}
.hiw-hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
@media (max-width: 899px) {
  .hiw-hero__copy {
    text-align: center;
    max-width: none;
    margin: 0 auto;
  }
  .hiw-hero__copy p {
    margin-left: auto;
    margin-right: auto;
  }
}

.hiw-steps {
  padding: 24px 0 56px;
}
.hiw-steps__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
@media (min-width: 900px) {
  .hiw-steps__list {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }
}
.hiw-step {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  padding: 28px 24px 32px;
  text-align: left;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.04);
}
.hiw-step__num {
  display: block;
  font-family: var(--font-display);
  font-size: 40px;
  font-weight: 700;
  line-height: 1;
  color: var(--blue-400);
  margin-bottom: 16px;
}
.hiw-step h2 {
  margin: 0 0 10px;
  font-size: 22px;
  line-height: 1.25;
  color: var(--gray-500);
}
.hiw-step p {
  margin: 0;
  color: var(--gray-400);
  font-size: 15px;
  line-height: 1.5;
}

.hiw-calc-band {
  background: var(--gray-100);
  padding: 56px 0 64px;
}
.hiw-calc-band__intro {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 32px;
}
.hiw-calc-band__intro h2 {
  margin: 0 0 12px;
  color: var(--gray-500);
  font-size: clamp(26px, 3.5vw, 36px);
  line-height: 1.2;
}
.hiw-calc-band__intro p {
  margin: 0;
  color: var(--gray-400);
  font-size: 17px;
}
.hiw-calculator {
  margin-bottom: 0;
}

.hiw-cta-strip {
  background: linear-gradient(135deg, var(--blue-400) 0%, var(--blue-450) 55%, var(--blue-500) 100%);
  padding: 56px 0;
  text-align: center;
  color: #fff;
}
.hiw-cta-strip__inner {
  max-width: 720px;
}
.hiw-cta-strip h2 {
  margin: 0 0 24px;
  color: #fff;
  font-size: clamp(24px, 3.5vw, 34px);
  line-height: 1.25;
  font-weight: 700;
}
.hiw-cta-strip .btn-hero-light {
  color: var(--blue-500);
}

.hiw-options {
  padding: 64px 0;
  text-align: center;
}
.hiw-options h2 {
  margin: 0 0 14px;
  color: var(--gray-500);
  font-size: clamp(26px, 3.5vw, 36px);
  line-height: 1.2;
}
.hiw-options > .container > p {
  margin: 0 auto 36px;
  max-width: 640px;
  color: var(--gray-400);
  font-size: 17px;
  line-height: 1.55;
}
.hiw-lenders {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  max-width: 1100px;
  margin: 0 auto;
  text-align: left;
}
@media (min-width: 600px) {
  .hiw-lenders {
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
  }
}
@media (min-width: 900px) {
  .hiw-lenders {
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
  }
}
@media (min-width: 1200px) {
  .hiw-lenders {
    grid-template-columns: repeat(4, 1fr);
  }
}
.hiw-lender {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 12px;
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 14px;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.04);
  min-height: 0;
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s;
}
.hiw-lender:hover {
  border-color: var(--blue-300);
  box-shadow: 0 6px 18px rgba(7, 163, 238, 0.12);
  transform: translateY(-1px);
}
.hiw-lender__logo {
  display: block;
  width: 100%;
  border-radius: 10px;
  overflow: hidden;
  background: #f8fafc;
  aspect-ratio: 160 / 64;
}
.hiw-lender__logo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.hiw-lender__mark {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: color-mix(in srgb, var(--lender-color) 12%, #fff);
  color: var(--lender-color);
  border: 1px solid color-mix(in srgb, var(--lender-color) 22%, #fff);
  display: grid;
  place-items: center;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: -0.02em;
  font-family: var(--font-display);
}
.hiw-lender__name {
  font-size: 14px;
  line-height: 1.3;
  color: var(--gray-500);
  font-weight: 700;
  text-align: center;
  padding: 0 4px 2px;
}

.hiw-learn {
  background: #fff;
  padding: 0 0 64px;
}
.hiw-learn__title {
  text-align: center;
  margin: 0 0 32px;
  color: var(--gray-500);
  font-size: clamp(26px, 3.5vw, 36px);
}
.hiw-learn__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
@media (min-width: 900px) {
  .hiw-learn__grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}
.hiw-learn__card {
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  padding: 28px 24px;
  background: #fff;
  text-align: left;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.04);
}
.hiw-learn__card h3 {
  margin: 0 0 10px;
  color: var(--gray-500);
  font-size: 20px;
}
.hiw-learn__card p {
  margin: 0 0 16px;
  color: var(--gray-400);
  font-size: 15px;
  line-height: 1.5;
}
.hiw-learn__card .body-link {
  color: var(--blue-400);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.hiw-reviews {
  background: var(--gray-100);
  padding: 64px 0;
}
.hiw-reviews h2 {
  text-align: center;
  margin: 0 0 36px;
  color: var(--gray-500);
  font-size: clamp(26px, 3.5vw, 36px);
}
.hiw-reviews__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
@media (min-width: 700px) {
  .hiw-reviews__grid {
    grid-template-columns: 1fr 1fr;
  }
}
.hiw-review {
  background: #fff;
  border-radius: 16px;
  padding: 24px;
  border: 1px solid #e5e7eb;
  text-align: left;
}
.hiw-review p {
  margin: 12px 0 16px;
  color: var(--gray-500);
  font-size: 15px;
  line-height: 1.55;
  display: -webkit-box;
  -webkit-line-clamp: 6;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.hiw-review footer {
  display: grid;
  gap: 2px;
}
.hiw-review strong {
  color: var(--gray-500);
  font-size: 15px;
}
.hiw-review span {
  color: var(--gray-400);
  font-size: 13px;
}
.hiw-reviews__cta {
  text-align: center;
  margin-top: 32px;
}

.hiw-help {
  background: #fff;
  padding: 64px 0 80px;
  text-align: center;
}
.hiw-help__inner {
  max-width: 560px;
}
.hiw-help h2 {
  margin: 0 0 8px;
  color: var(--gray-500);
  font-size: clamp(28px, 4vw, 40px);
}
.hiw-help p {
  margin: 0 0 24px;
  color: var(--gray-400);
  font-size: 18px;
}
.hiw-help__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}