body {
	background: #f6fbfe;
	color: #102033;
	overflow-x: hidden;
}

.hiw-header {
	position: sticky;
	top: 0;
	z-index: 999;
	background: rgba(255, 255, 255, 0.96);
	backdrop-filter: blur(14px);
	box-shadow: 0 12px 30px rgba(11, 54, 84, 0.08);
}

.hiw-nav {
	display: flex;
	align-items: center;
	justify-content: space-between;
	gap: 24px;
	min-height: 78px;
}

.hiw-brand img {
	width: 168px;
	max-width: 100%;
}

.hiw-menu {
	display: flex;
	align-items: center;
	gap: 22px;
}

.hiw-menu a {
	color: #102033;
	font-size: 15px;
	font-weight: 700;
	text-decoration: none;
}

.hiw-menu a:hover {
	color: #00709c;
}

.hiw-menu .hiw-login {
	border: 1px solid rgba(0, 112, 156, 0.25);
	border-radius: 999px;
	padding: 9px 18px;
}

.hiw-menu .hiw-primary {
	background: #00709c;
	color: #fff;
	border-radius: 999px;
	padding: 10px 20px;
	box-shadow: 0 12px 26px rgba(0, 112, 156, 0.22);
}

.hiw-menu .hiw-primary:hover {
	color: #fff;
	background: #005f86;
}

.hiw-hero {
	padding: 86px 0 52px;
	background:
		radial-gradient(circle at 15% 20%, rgba(0, 112, 156, 0.12), transparent 32%),
		linear-gradient(135deg, #ffffff 0%, #edf9ff 100%);
}

.hiw-badge {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	padding: 8px 14px;
	border-radius: 999px;
	background: #e9f7fc;
	color: #00709c;
	font-size: 14px;
	font-weight: 800;
}

.hiw-hero h1 {
	font-size: clamp(34px, 5vw, 62px);
	line-height: 1.08;
	font-weight: 900;
	margin: 18px 0;
	color: #06182a;
}

.hiw-hero p {
	color: #516071;
	font-size: 18px;
	line-height: 1.75;
	max-width: 720px;
}

.hiw-hero-panel {
	background: #07273d;
	color: #fff;
	border-radius: 22px;
	padding: 28px;
	box-shadow: 0 28px 70px rgba(6, 24, 42, 0.22);
}

.hiw-panel-row {
	display: flex;
	justify-content: space-between;
	gap: 18px;
	padding: 15px 0;
	border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.hiw-panel-row:last-child {
	border-bottom: 0;
}

.hiw-panel-row span {
	color: rgba(255, 255, 255, 0.72);
	font-size: 13px;
}

.hiw-panel-row strong {
	display: block;
	font-size: 16px;
	margin-top: 3px;
}

.hiw-section {
	padding: 72px 0;
}

.hiw-section-title {
	max-width: 780px;
	margin: 0 auto 38px;
	text-align: center;
}

.hiw-section-title h2 {
	font-size: clamp(28px, 4vw, 44px);
	font-weight: 900;
	color: #06182a;
	margin-bottom: 12px;
}

.hiw-section-title p {
	color: #5c6a7a;
	font-size: 17px;
	line-height: 1.7;
}

.hiw-steps {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	gap: 22px;
}

.hiw-step {
	background: #fff;
	border: 1px solid rgba(0, 112, 156, 0.1);
	border-radius: 18px;
	padding: 24px;
	box-shadow: 0 18px 40px rgba(11, 54, 84, 0.08);
	min-height: 245px;
}

.hiw-step-number {
	width: 44px;
	height: 44px;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	border-radius: 14px;
	background: #00709c;
	color: #fff;
	font-weight: 900;
	margin-bottom: 18px;
}

.hiw-step h3 {
	font-size: 19px;
	font-weight: 900;
	color: #06182a;
	margin-bottom: 10px;
}

.hiw-step p {
	color: #5c6a7a;
	line-height: 1.65;
	margin-bottom: 0;
}

.hiw-flow {
	background: #fff;
	border-radius: 24px;
	padding: 30px;
	box-shadow: 0 18px 48px rgba(11, 54, 84, 0.09);
}

.hiw-flow-item {
	display: grid;
	grid-template-columns: 52px 1fr;
	gap: 18px;
	padding: 18px 0;
	border-bottom: 1px solid #e9f0f5;
}

.hiw-flow-item:last-child {
	border-bottom: 0;
}

.hiw-flow-icon {
	width: 52px;
	height: 52px;
	border-radius: 16px;
	background: #e9f7fc;
	color: #00709c;
	display: inline-flex;
	align-items: center;
	justify-content: center;
	font-size: 24px;
}

.hiw-flow-item h3 {
	font-size: 18px;
	font-weight: 900;
	color: #06182a;
	margin-bottom: 6px;
}

.hiw-flow-item p {
	color: #5c6a7a;
	line-height: 1.65;
	margin: 0;
}

.hiw-card {
	background: #fff;
	border-radius: 18px;
	padding: 24px;
	height: 100%;
	border: 1px solid rgba(0, 112, 156, 0.1);
	box-shadow: 0 18px 42px rgba(11, 54, 84, 0.08);
}

.hiw-card i {
	font-size: 30px;
	color: #00709c;
}

.hiw-card h3 {
	font-size: 19px;
	font-weight: 900;
	color: #06182a;
	margin: 16px 0 10px;
}

.hiw-card p,
.hiw-card li {
	color: #5c6a7a;
	line-height: 1.65;
}

.hiw-card ul {
	padding-left: 18px;
	margin-bottom: 0;
}

.hiw-cta {
	background: linear-gradient(135deg, #00709c, #083a59);
	color: #fff;
	border-radius: 28px;
	padding: 42px;
	box-shadow: 0 26px 70px rgba(0, 112, 156, 0.28);
}

.hiw-cta h2 {
	font-weight: 900;
	margin-bottom: 12px;
}

.hiw-cta p {
	color: rgba(255, 255, 255, 0.82);
	line-height: 1.7;
	margin-bottom: 0;
}

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

.hiw-cta-actions a {
	border-radius: 999px;
	padding: 12px 20px;
	font-weight: 800;
	text-decoration: none;
}

.hiw-cta-actions .light {
	background: #fff;
	color: #00709c;
}

.hiw-cta-actions .outline {
	border: 1px solid rgba(255, 255, 255, 0.45);
	color: #fff;
}

@media (max-width: 991px) {
	.hiw-menu {
		display: none;
	}

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

	.hiw-cta-actions {
		justify-content: flex-start;
		margin-top: 22px;
	}
}

@media (max-width: 767px) {
	.hiw-brand img {
		width: 142px;
	}

	.hiw-hero {
		padding: 54px 0 36px;
	}

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

	.hiw-flow {
		padding: 20px;
	}

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

	.hiw-cta {
		padding: 28px;
	}
}