.hiw-hero {
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        border-radius: 10px;
        padding: 4rem 2rem;
        margin-bottom: 3rem;
    }
    .step-card {
        background: white;
        border-radius: 20px;
        box-shadow: 0 10px 40px rgba(0,0,0,0.1);
        padding: 2.5rem;
        position: relative;
        height: 100%;
        transition: all 0.3s ease;
    }
    .step-card:hover {
        transform: translateY(-10px);
        box-shadow: 0 20px 60px rgba(0,0,0,0.15);
    }
    .step-number {
        position: absolute;
        top: -20px;
        left: 30px;
        width: 50px;
        height: 50px;
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        color: white;
        font-size: 1.5rem;
        font-weight: 700;
        box-shadow: 0 5px 20px rgba(15, 31, 122, 0.3);
    }
    .step-icon {
        width: 80px;
        height: 80px;
        background: linear-gradient(135deg, #e8f4fd 0%, #d4e5f7 100%);
        border-radius: 6px;
        display: flex;
        align-items: center;
        justify-content: center;
        margin-bottom: 1.5rem;
    }
    .step-icon i {
        font-size: 2rem;
        color: #0f1f7a;
    }
    .timeline-connector {
        display: none;
    }
    @media (min-width: 992px) {
        .timeline-connector {
            display: block;
            position: absolute;
            top: 50%;
            right: -31px;
            width: 80px;
            height: 3px;
            background: linear-gradient(90deg, #0f1f7a, #0056b3);
        }
        .timeline-connector::after {
            content: '';
            position: absolute;
            right: 0;
            top: -5px;
            border: 6px solid transparent;
            border-left-color: #0056b3;
        }
    }
    .benefit-item {
        display: flex;
        align-items: flex-start;
        padding: 1.25rem;
        background: #f8f9fa;
        border-radius: 15px;
        margin-bottom: 1rem;
        transition: all 0.3s ease;
    }
    .benefit-item:hover {
        background: white;
        box-shadow: 0 5px 20px rgba(0,0,0,0.1);
    }
    .benefit-icon {
        width: 45px;
        height: 45px;
        background: linear-gradient(135deg, #28a745 0%, #20c997 100%);
        border-radius: 10px;
        display: flex;
        align-items: center;
        justify-content: center;
        color: white;
        margin-right: 1rem;
        flex-shrink: 0;
    }
    .faq-mini {
        background: white;
        border-radius: 15px;
        padding: 1.5rem;
        margin-bottom: 1rem;
        box-shadow: 0 2px 10px rgba(0,0,0,0.05);
    }
    .time-badge {
        display: inline-flex;
        align-items: center;
        background: #d4edda;
        color: #155724;
        padding: 0.5rem 1rem;
        border-radius: 6px;
        font-weight: 600;
        font-size: 0.9rem;
    }
    .cta-section {
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        border-radius: 10px;
        padding: 4rem 2rem;
    }
    .nsp-hiw-subtitle {
        max-width: 600px;
    }
    .nsp-hiw-step-relative {
        position: relative;
    }


    /* --- How it works: timeline, prep grid, expectation lists --- */
    .hw-eyebrow {
        display: inline-block;
        margin-bottom: 0.5rem;
        color: #0f1f7a;
        font-size: 0.85rem;
        font-weight: 600;
        letter-spacing: 1px;
        text-transform: uppercase;
    }
    .hw-eyebrow-light {
        display: inline-block;
        margin-bottom: 0.5rem;
        color: rgba(255,255,255,0.8);
        font-size: 0.85rem;
        font-weight: 600;
        letter-spacing: 1px;
        text-transform: uppercase;
    }
    .hw-track {
        position: relative;
        margin: 0;
        padding: 0 0 0 3.25rem;
        list-style: none;
    }
    .hw-track::before {
        content: '';
        position: absolute;
        left: 21px;
        top: 12px;
        bottom: 12px;
        width: 2px;
        background: linear-gradient(180deg, #0f1f7a, rgba(15,31,122,0.1));
    }
    .hw-track > li {
        position: relative;
        margin-bottom: 1.25rem;
    }
    .hw-track > li:last-child { margin-bottom: 0; }
    .hw-track-dot {
        position: absolute;
        left: -3.25rem;
        top: 1.35rem;
        width: 44px;
        height: 44px;
        display: flex;
        align-items: center;
        justify-content: center;
        border-radius: 50%;
        border: 4px solid #fff;
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        color: #fff;
        font-weight: 700;
        box-shadow: 0 5px 20px rgba(15,31,122,0.3);
    }
    .hw-track-body {
        padding: 1.5rem 1.75rem;
        background: #fff;
        border: 1px solid #e9ecef;
        border-radius: 15px;
        transition: all 0.3s ease;
    }
    .hw-track > li:hover .hw-track-body {
        border-color: #0f1f7a;
        box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    }
    .hw-track-time {
        display: inline-block;
        margin-bottom: 0.5rem;
        padding: 0.2rem 0.75rem;
        border-radius: 50px;
        background: #f8f9fa;
        color: #0f1f7a;
        font-size: 0.72rem;
        font-weight: 700;
        letter-spacing: 0.5px;
        text-transform: uppercase;
    }
    .hw-prep {
        padding: 2.5rem;
        border-radius: 20px;
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        color: #fff;
    }
    .hw-prep-grid {
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
        gap: 1rem;
    }
    .hw-prep-grid > div {
        padding: 1.25rem;
        border-radius: 15px;
        background: rgba(255,255,255,0.12);
        border: 1px solid rgba(255,255,255,0.2);
    }
    .hw-prep-grid i {
        display: block;
        margin-bottom: 0.6rem;
        font-size: 1.25rem;
    }
    .hw-prep-grid p { opacity: 0.78; }
    .hw-list {
        padding: 2rem;
        border-radius: 20px;
        border: 1px solid #e9ecef;
    }
    .hw-list ul {
        margin: 0;
        padding-left: 1.15rem;
        color: #333;
        font-size: 0.93rem;
        line-height: 1.65;
    }
    .hw-list li { margin-bottom: 0.6rem; }
    .hw-list-yes { background: #f4fcf8; }
    .hw-list-yes h3 { color: #1a9d5c; }
    .hw-list-no { background: #fff8f3; }
    .hw-list-no h3 { color: #c2410c; }
    .hw-cta {
        padding: 3rem 2rem;
        border-radius: 20px;
        background: linear-gradient(135deg, #0f1f7a 0%, #0056b3 100%);
        color: #fff;
    }
    @media (max-width: 575.98px) {
        .hw-track { padding-left: 2.5rem; }
        .hw-track::before { left: 15px; }
        .hw-track-dot { left: -2.5rem; width: 32px; height: 32px; font-size: 0.85rem; }
    }


/* CTA panel: matches the /blog and /pricing treatment */
.hw-cta {
    background: rgb(15 31 122) !important;
    border-radius: 8px;
    position: relative;
    overflow: hidden;
}
.hw-cta::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: url(/static/images/pet-bg-pattern.png);
    background-repeat: repeat;
    background-size: 475px;
    filter: invert(1);
    opacity: 0.13;
    pointer-events: none;
    z-index: 0;
}
.hw-cta > * { position: relative; z-index: 1; }


/* hw-prep panel: same CTA treatment, pattern at 0.1 as specified */
.hw-prep {
    background: rgb(15 31 122) !important;
    border-radius: 8px;
    position: relative;
    overflow: hidden;
}
.hw-prep::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: url(/static/images/pet-bg-pattern.png);
    background-repeat: repeat;
    background-size: 475px;
    filter: invert(1);
    opacity: 0.1;
    pointer-events: none;
    z-index: 0;
}
.hw-prep > * { position: relative; z-index: 1; }