/* BCB How Insurance Works (/insurance/how-it-works/) — redesign 2026-05-25.
   Body, nav, footer, fonts, global reset, and the sitewide ombre default
   are handled by colors_and_type.css + nav.css. Every selector here is
   scoped to body.page-how-it-works: that keeps the styles page-local AND
   beats the global `body.full-width-content section { padding-block }`
   rule (L-015), so each section keeps its own padding. */

/* ═══════════════════════════════════════════════════════════
   PAGE GRADIENT — long page (v3 long ramp, ~15 sections)
   ═══════════════════════════════════════════════════════════ */
body.page-how-it-works {
  background: var(--grad-page-v3) no-repeat;
  background-attachment: fixed;
}

/* All sections sit transparent over the gradient */
body.page-how-it-works .ihub-hero, body.page-how-it-works .ihub-carriers, body.page-how-it-works .ihub-process, body.page-how-it-works .ihub-aca,
body.page-how-it-works .ihub-coverage, body.page-how-it-works .ihub-oon, body.page-how-it-works .ihub-partners, body.page-how-it-works .ihub-master,
body.page-how-it-works .ihub-multi, body.page-how-it-works .ihub-card, body.page-how-it-works .ihub-hsa, body.page-how-it-works .ihub-cash, body.page-how-it-works .ihub-faq,
body.page-how-it-works .ihub-midcta, body.page-how-it-works .ihub-final {
  background: transparent;
}

/* Universal "lifted card" idiom */
body.page-how-it-works .ihub-card-lift {
  background: var(--card-lift-bg);
  backdrop-filter: var(--card-lift-blur);
  -webkit-backdrop-filter: var(--card-lift-blur);
  box-shadow: var(--shadow-card-lift);
  border-radius: var(--radius-xl);
}

/* ─── Shared section heads ─────────────────────────────── */
body.page-how-it-works .ihub-eyebrow {
  font-family: var(--font-accent);
  font-weight: 700; font-size: 13px;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--pink-500);
  margin: 0 0 18px;
}
body.page-how-it-works .ihub-title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(32px, 3.6vw, 44px);
  line-height: 1.1; letter-spacing: -0.02em;
  color: var(--pink-500);
  margin: 0 0 16px;
  text-wrap: balance;
}
body.page-how-it-works .ihub-sub {
  font-size: clamp(16px, 1.2vw, 18px);
  line-height: 1.6;
  color: var(--navy-500);
  margin: 0;
  text-wrap: pretty;
}
body.page-how-it-works .ihub-section { padding: clamp(40px, 5.5vw, 72px) 32px; }
body.page-how-it-works .ihub-section--sm { padding: clamp(40px, 6vw, 72px) 32px; }
body.page-how-it-works .ihub-inner { max-width: 1100px; margin: 0 auto; }
body.page-how-it-works .ihub-inner--narrow { max-width: 880px; }
body.page-how-it-works .ihub-head { text-align: center; max-width: 760px; margin: 0 auto 48px; }

/* ─── HERO ─────────────────────────────────────────────── */
body.page-how-it-works .ihub-hero { padding: clamp(56px, 8vw, 96px) 32px clamp(48px, 7vw, 80px); }
body.page-how-it-works .ihub-hero__inner { max-width: 980px; margin: 0 auto; text-align: center; }
body.page-how-it-works .ihub-hero__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(36px, 4.6vw, 60px);
  line-height: 1.04; letter-spacing: -0.025em;
  color: var(--pink-500);
  margin: 0 0 22px;
  text-wrap: balance;
}
body.page-how-it-works .ihub-hero__sub {
  font-size: clamp(17px, 1.4vw, 20px);
  line-height: 1.6;
  color: var(--navy-500);
  margin: 0 auto 30px;
  max-width: 780px;
  text-wrap: pretty;
}
body.page-how-it-works .ihub-hero__ctas { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-bottom: 22px; }
body.page-how-it-works .ihub-hero__ctas .btn--ghost {
  /* Slight frosted-white fill + darker pink border so the pill is unambiguously
     visible across the hero's pink-to-dusky-pink gradient (the original transparent
     ghost lost contrast at the bottom of the hero). */
  background: rgba(255,255,255,0.55);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  color: var(--pink-700);
  border: 2px solid var(--pink-700);
  box-sizing: border-box;
  line-height: 1;
  height: 60px;
  padding: 0 30px;
  background-clip: padding-box;
}
body.page-how-it-works .ihub-hero__ctas .btn--ghost:hover {
  background: var(--pink-500);
  color: var(--white);
  border-color: var(--pink-500);
}
body.page-how-it-works .ihub-hero__ctas .btn--ghost:hover { background: var(--pink-500); color: var(--white); }
body.page-how-it-works .ihub-hero__chips {
  display: flex; flex-wrap: wrap; gap: 8px;
  align-items: center; justify-content: center;
  max-width: 720px; margin: 0 auto 26px;
}
body.page-how-it-works .ihub-hero__chips-label {
  font-family: var(--font-accent);
  font-weight: 700; font-size: 11.5px;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--navy-400);
  margin-right: 4px;
}
body.page-how-it-works .ihub-hero__chips a {
  font-family: var(--font-sans);
  font-weight: 600; font-size: 13.5px;
  color: var(--navy-700);
  text-decoration: none;
  padding: 7px 14px;
  border-radius: var(--radius-pill);
  background: rgba(255,255,255,0.65);
  border: 1px solid rgba(31,45,64,0.10);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  transition: background var(--dur-fast), color var(--dur-fast), border-color var(--dur-fast);
}
body.page-how-it-works .ihub-hero__chips a:hover {
  background: var(--pink-500);
  color: var(--white);
  border-color: var(--pink-500);
}
body.page-how-it-works .ihub-hero__support {
  font-size: 13.5px; color: var(--navy-400); line-height: 1.55;
  margin: 0 0 26px;
  display: inline-flex; align-items: center; gap: 8px;
}
body.page-how-it-works .ihub-hero__support svg { width: 14px; height: 14px; color: var(--sky-600); flex-shrink: 0; }
body.page-how-it-works .ihub-hero__phones { font-size: 15px; font-weight: 600; color: var(--navy-700); display: flex; gap: 28px; justify-content: center; flex-wrap: wrap; }
body.page-how-it-works .ihub-hero__phones a { color: var(--pink-600); text-decoration: none; font-weight: 700; }
body.page-how-it-works .ihub-hero__phones a:hover { text-decoration: underline; }
body.page-how-it-works .ihub-hero__phones span { display: inline-flex; align-items: center; gap: 8px; }
body.page-how-it-works .ihub-hero__phones svg { width: 15px; height: 15px; color: var(--pink-500); flex-shrink: 0; }

/* ─── HERO: two-column with photo (real photo, 4:3 cover; updated 2026-06-06) ──
   Real landscape photo framed like the carrier heroes (4:3 cover + radius +
   shadow), replacing the earlier transparent-PNG clipboard cutout. Copy column
   keeps its centered treatment; photo sits right on desktop, stacks on narrow. */
body.page-how-it-works .ihub-hero__media { margin: 0; }
body.page-how-it-works .ihub-hero__photo {
  display: block; width: 100%; height: auto;
  aspect-ratio: 4 / 3; object-fit: cover;
  border-radius: var(--radius-xl); box-shadow: var(--shadow-photo);
}
@media (min-width: 921px) {
  body.page-how-it-works .ihub-hero__inner {
    max-width: 1180px;
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
    gap: clamp(36px, 4.5vw, 64px);
    align-items: center;
    text-align: left;
  }
  /* match the carrier heroes: copy ranged left beside the photo (desktop) */
  body.page-how-it-works .ihub-hero__ctas,
  body.page-how-it-works .ihub-hero__chips,
  body.page-how-it-works .ihub-hero__phones { justify-content: flex-start; }
  /* the coverage-preview line carries an inline text-align:center; range it left on desktop */
  body.page-how-it-works .ihub-hero__copy p[style*="text-align:center"] { text-align: left !important; margin-left: 0 !important; }
  body.page-how-it-works .ihub-hero__photo {
    aspect-ratio: 4 / 3; object-fit: cover;
  }
}
@media (max-width: 920px) {
  /* Standardize the mobile hero to the spoke format: centered single column,
     eyebrow -> H1 -> sub -> photo -> chips, with the coverage-preview line,
     secure note and phones trailing below the chips. display:contents flattens
     the copy wrapper so the photo can sit between the sub and the chip row. */
  body.page-how-it-works .ihub-hero__inner { display: flex; flex-direction: column; align-items: center; text-align: center; }
  body.page-how-it-works .ihub-hero__copy { display: contents; }
  body.page-how-it-works .ihub-hero__media { order: 1; width: 100%; max-width: 460px; margin: clamp(14px, 3vw, 20px) auto 0; }
  body.page-how-it-works .ihub-hero__chips,
  body.page-how-it-works .ihub-hero__chips + p,
  body.page-how-it-works .ihub-hero__support,
  body.page-how-it-works .ihub-hero__phones { order: 2; }
}

/* ─── CARRIER CARDS ──────────────────────────────────────── */
body.page-how-it-works .ihub-carriers__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}
@media (max-width: 560px) { body.page-how-it-works .ihub-carriers__grid { grid-template-columns: 1fr; } }
body.page-how-it-works .ihub-carrier {
  display: flex; flex-direction: column;
  padding: 28px 24px;
  text-decoration: none;
  color: inherit;
  transition: transform var(--dur-base), box-shadow var(--dur-base);
}
body.page-how-it-works .ihub-carrier:hover {
  transform: translateY(-4px);
  box-shadow: 0 1px 3px rgba(31,45,64,0.05), 0 24px 48px rgba(31,45,64,0.16);
}
body.page-how-it-works .ihub-carrier__logo {
  width: 100%;
  height: 64px;
  margin-bottom: 18px;
  display: flex; align-items: center; justify-content: flex-start;
  flex-shrink: 0;
}
body.page-how-it-works .ihub-carrier__logo img {
  max-height: 100%;
  max-width: 80%;
  width: auto;
  height: auto;
  object-fit: contain;
  object-position: left center;
}
body.page-how-it-works .ihub-carrier__name {
  font-family: var(--font-display); font-weight: 700; font-size: 19px;
  color: var(--navy-500);
  margin: 0 0 6px;
  line-height: 1.2;
}
body.page-how-it-works .ihub-carrier__tag {
  font-size: 14px; line-height: 1.5;
  color: var(--navy-700);
  margin: 0 0 16px;
  flex: 1;
}
body.page-how-it-works .ihub-carrier__cta {
  font-family: var(--font-accent);
  font-weight: 700; font-size: 12px;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--pink-600);
}

/* ─── PROCESS STEPS (4) ──────────────────────────────────── */
body.page-how-it-works .ihub-process__steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  list-style: none; margin: 0; padding: 0;
}
@media (max-width: 980px) { body.page-how-it-works .ihub-process__steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { body.page-how-it-works .ihub-process__steps { grid-template-columns: 1fr; } }
body.page-how-it-works .ihub-step { padding: 30px 24px; }
body.page-how-it-works .ihub-step__num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--pink-500); color: var(--white);
  font-family: var(--font-accent); font-weight: 800; font-size: 17px;
  margin-bottom: 16px;
}
body.page-how-it-works .ihub-step__title {
  font-family: var(--font-display);
  font-weight: 700; font-size: 18px;
  color: var(--navy-500);
  margin: 0 0 10px;
  line-height: 1.25;
}
body.page-how-it-works .ihub-step__body {
  font-size: 15px; line-height: 1.6;
  color: var(--navy-700); margin: 0;
}

/* CLAIM FLOW DIAGRAM (3 variants, tab-switched) */
body.page-how-it-works .iflow-tabs {
  display: flex; flex-wrap: wrap; gap: 8px;
  justify-content: center; margin-bottom: 32px;
}
body.page-how-it-works .iflow-tab {
  font-family: var(--font-sans); font-weight: 600;
  font-size: 14px; color: var(--navy-700);
  background: rgba(255, 255, 255, 0.86);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-pill);
  padding: 12px 20px;
  cursor: pointer;
  transition: background var(--dur-fast), color var(--dur-fast), border-color var(--dur-fast);
}
body.page-how-it-works .iflow-tab:hover {
  background: var(--pink-50);
  border-color: var(--pink-300);
  color: var(--pink-700);
}
body.page-how-it-works .iflow-tab[aria-selected="true"] {
  background: var(--pink-500);
  color: var(--white);
  border-color: var(--pink-500);
}
body.page-how-it-works .iflow-panel {
  display: none;
  padding: clamp(28px, 4vw, 40px);
}
body.page-how-it-works .iflow-panel[data-active] { display: block; }
body.page-how-it-works .iflow-panel__lede {
  font-size: 16px; line-height: 1.55;
  color: var(--navy-700);
  margin: 0 auto 28px;
  max-width: 70ch;
  text-align: center;
}

/* Edges: [source node] ─── action card ───► [destination node] */
body.page-how-it-works .iflow-edges {
  list-style: none; padding: 0; margin: 0;
  display: grid; gap: 4px;
}
body.page-how-it-works .iflow-edge {
  display: grid;
  grid-template-columns: 92px 1fr 92px;
  align-items: center;
  padding: 14px 0;
  position: relative;
}
body.page-how-it-works .iflow-node {
  display: flex; flex-direction: column; align-items: center;
  gap: 6px;
  z-index: 2;
}
body.page-how-it-works .iflow-node__icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 54px; height: 54px; border-radius: 50%;
  border: 2px solid currentColor;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}
body.page-how-it-works .iflow-node__icon svg { width: 24px; height: 24px; }
body.page-how-it-works .iflow-node__label {
  font-family: var(--font-accent); font-weight: 700;
  font-size: 11px; letter-spacing: 0.1em;
  text-transform: uppercase;
}
body.page-how-it-works .iflow-node--you { color: var(--pink-600); }
body.page-how-it-works .iflow-node--bcb { color: var(--sky-700); }
body.page-how-it-works .iflow-node--insurer { color: var(--navy-600); }

/* Connector: horizontal line w/ arrowhead, action card floats on top */
body.page-how-it-works .iflow-edge__connector {
  position: relative;
  display: flex; align-items: center; justify-content: center;
  padding: 0 8px;
  min-height: 64px;
}
body.page-how-it-works .iflow-edge__connector::before {
  content: ''; position: absolute;
  top: 50%; left: 0; right: 14px;
  height: 3px;
  background: var(--pink-400);
  transform: translateY(-50%);
  z-index: 0;
}
body.page-how-it-works .iflow-edge__connector::after {
  content: ''; position: absolute;
  top: 50%; right: 0;
  width: 0; height: 0;
  border-top: 8px solid transparent;
  border-bottom: 8px solid transparent;
  border-left: 12px solid var(--pink-500);
  transform: translateY(-50%);
  z-index: 0;
}
body.page-how-it-works .iflow-edge__card {
  position: relative; z-index: 1;
  background: var(--white);
  border-radius: var(--radius-pill);
  padding: 10px 18px 10px 10px;
  display: flex; align-items: center; gap: 12px;
  max-width: 440px;
}
body.page-how-it-works .iflow-edge__num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--pink-500); color: var(--white);
  font-family: var(--font-display); font-weight: 800;
  font-size: 14px; flex-shrink: 0;
}
body.page-how-it-works .iflow-edge__text { min-width: 0; }
body.page-how-it-works .iflow-edge__title {
  font-family: var(--font-display); font-weight: 800;
  font-size: 15px; color: var(--navy-700);
  line-height: 1.25; letter-spacing: -0.012em;
  margin: 0 0 2px;
}
body.page-how-it-works .iflow-edge__body {
  font-size: 13px; line-height: 1.45;
  color: var(--navy-500); margin: 0;
}

body.page-how-it-works .iflow-callout {
  margin: 28px 0 0;
  padding: 18px 22px;
  background: var(--pink-50);
  border-left: 4px solid var(--pink-500);
  border-radius: var(--radius-md);
  font-size: 14.5px; line-height: 1.55;
  color: var(--navy-700);
}
body.page-how-it-works .iflow-callout a {
  color: var(--pink-600); font-weight: 700;
  text-decoration: underline; text-underline-offset: 3px;
}
/* Anchor offset for the chip-nav target */
body.page-how-it-works #flow { scroll-margin-top: 96px; }

/* Mobile: the desktop node|line|node row stacked into one column, which
   duplicated adjacent node circles (edge N ends on the same party edge N+1
   begins on) and broke the flow into confusing segments. Instead, render each
   edge as a self-contained step card: a small "You -> BCB" header row on top
   (the two nodes inline with a pink arrow between them, via flex order so the
   action card wraps to its own line below). No markup change. */
@media (max-width: 760px) {
  body.page-how-it-works .iflow-edges { gap: 14px; }
  body.page-how-it-works .iflow-edge {
    display: flex; flex-wrap: wrap; align-items: center;
    grid-template-columns: none;
    gap: 6px 4px;
    padding: 16px 18px;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
  }
  /* Header row: node 1, then node 2 (the sibling right after the connector),
     each as a compact inline chip; arrow sits before node 2. */
  body.page-how-it-works .iflow-node {
    flex-direction: row; gap: 8px; justify-content: flex-start;
    order: 1;
  }
  body.page-how-it-works .iflow-edge__connector + .iflow-node { order: 2; }
  body.page-how-it-works .iflow-edge__connector + .iflow-node::before {
    content: '\2192';
    color: var(--pink-500); font-weight: 700; font-size: 18px; line-height: 1;
    align-self: center;
  }
  body.page-how-it-works .iflow-node__icon { width: 34px; height: 34px; box-shadow: none; }
  body.page-how-it-works .iflow-node__icon svg { width: 17px; height: 17px; }
  body.page-how-it-works .iflow-node__label { font-size: 11px; }
  /* Action card: forced onto its own full-width line below the header. */
  body.page-how-it-works .iflow-edge__connector {
    order: 3; flex-basis: 100%;
    padding: 0; min-height: 0; margin-top: 12px;
    justify-content: flex-start;
  }
  body.page-how-it-works .iflow-edge__connector::before,
  body.page-how-it-works .iflow-edge__connector::after { display: none; }
  body.page-how-it-works .iflow-edge__card {
    max-width: 100%; width: 100%;
    background: transparent; border-radius: 0; padding: 0;
    align-items: flex-start;
  }
  body.page-how-it-works .iflow-tab { padding: 10px 16px; font-size: 13px; }
}

/* ─── ACA EXPLAINER ──────────────────────────────────────── */
body.page-how-it-works .ihub-aca__card { padding: clamp(36px, 5vw, 56px); }
body.page-how-it-works .ihub-aca__card p {
  font-size: 16.5px; line-height: 1.7;
  color: var(--navy-700);
  margin: 0 0 18px;
}
body.page-how-it-works .ihub-aca__card p:last-child { margin: 0; }
body.page-how-it-works .ihub-aca__exceptions {
  margin-top: 24px; padding: 22px 26px;
  background: rgba(245, 214, 224, 0.40);
  border-radius: var(--radius-lg);
}
body.page-how-it-works .ihub-aca__exceptions h3 {
  font-family: var(--font-display);
  font-weight: 700; font-size: 16px;
  color: var(--navy-500);
  margin: 0 0 8px;
}
body.page-how-it-works .ihub-aca__exceptions p { margin: 0; font-size: 15px; line-height: 1.6; color: var(--navy-700); }

/* ─── COVERAGE COMPARISON ────────────────────────────────── */
body.page-how-it-works .ihub-coverage__columns {
  display: grid; grid-template-columns: 1fr 1fr; gap: 22px;
}
@media (max-width: 760px) { body.page-how-it-works .ihub-coverage__columns { grid-template-columns: 1fr; } }
body.page-how-it-works .ihub-coverage__col { padding: 32px 28px; }
body.page-how-it-works .ihub-coverage__col-title {
  font-family: var(--font-display);
  font-weight: 700; font-size: 19px;
  color: var(--navy-500);
  margin: 0 0 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(31,45,64,0.10);
  display: flex; align-items: center; gap: 10px;
}
body.page-how-it-works .ihub-coverage__col--in .ihub-coverage__col-title::before {
  content: "✓"; color: #2C9A6E; font-weight: 800;
  width: 26px; height: 26px; border-radius: 50%;
  background: rgba(44,154,110,0.14);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 13px;
}
body.page-how-it-works .ihub-coverage__col--out .ihub-coverage__col-title::before {
  content: "→"; color: var(--pink-500); font-weight: 800;
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--pink-100);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 13px;
}
body.page-how-it-works .ihub-coverage__list { list-style: none; padding: 0; margin: 0; }
body.page-how-it-works .ihub-coverage__list li {
  padding: 12px 0 12px 22px;
  position: relative;
  border-bottom: 1px solid rgba(31,45,64,0.06);
  font-size: 15.5px; line-height: 1.5;
  color: var(--navy-700);
}
body.page-how-it-works .ihub-coverage__list li::before {
  content: "";
  position: absolute;
  left: 4px; top: 22px;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--pink-500);
}
body.page-how-it-works .ihub-coverage__col--out .ihub-coverage__list li::before {
  background: var(--navy-500);
}
body.page-how-it-works .ihub-coverage__list li:last-child { border-bottom: 0; }
body.page-how-it-works .ihub-coverage__note {
  margin: 24px auto 0;
  max-width: 720px;
  padding: 22px 28px;
  background: var(--note-bg);
  border: 1px solid var(--note-border);
  border-radius: var(--radius-lg);
  font-size: 14.5px; line-height: 1.6;
  color: var(--navy-600);
}

/* ─── OON / Partners / Multi / Card / HSA / Cash — single-card prose ─── */
body.page-how-it-works .ihub-prose { padding: clamp(36px, 5vw, 56px); }
body.page-how-it-works .ihub-prose p { font-size: 16px; line-height: 1.7; color: var(--navy-700); margin: 0 0 16px; }
body.page-how-it-works .ihub-prose p:last-child { margin: 0; }
body.page-how-it-works .ihub-prose ul { margin: 0 0 16px; padding-left: 22px; }
body.page-how-it-works .ihub-prose ul li { padding: 5px 0; font-size: 15.5px; line-height: 1.6; color: var(--navy-700); }
body.page-how-it-works .ihub-prose a { color: var(--pink-600); text-decoration: underline; text-underline-offset: 3px; font-weight: 600; }
body.page-how-it-works .ihub-prose a:hover { color: var(--pink-700); }

/* ─── PARTNERS (2-up) ─────────────────────────────────────── */
body.page-how-it-works .ihub-partners__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
@media (max-width: 760px) { body.page-how-it-works .ihub-partners__grid { grid-template-columns: 1fr; } }
body.page-how-it-works .ihub-partner { padding: 32px 28px; }
body.page-how-it-works .ihub-partner__name {
  font-family: var(--font-display);
  font-weight: 700; font-size: 22px;
  color: var(--navy-500);
  margin: 0 0 6px;
}
body.page-how-it-works .ihub-partner__role {
  font-family: var(--font-accent);
  font-weight: 700; font-size: 12px;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--pink-500);
  margin: 0 0 14px;
}
body.page-how-it-works .ihub-partner__body { font-size: 15.5px; line-height: 1.6; color: var(--navy-700); margin: 0; }

/* ─── MASTER PLAN LIST ─────────────────────────────────── */
body.page-how-it-works .ihub-master__card { padding: clamp(28px, 4vw, 40px); }
body.page-how-it-works .ihub-master__list {
  list-style: none; padding: 0; margin: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 4px 28px;
}
body.page-how-it-works .ihub-master__list li {
  padding: 12px 0;
  border-bottom: 1px solid rgba(31,45,64,0.06);
  display: flex; flex-direction: column; gap: 3px;
}
body.page-how-it-works .ihub-master__list strong {
  font-family: var(--font-display);
  font-weight: 700; font-size: 15.5px;
  color: var(--navy-500);
}
body.page-how-it-works .ihub-master__route {
  font-size: 13.5px; line-height: 1.4;
  color: var(--navy-700); opacity: 0.78;
}
body.page-how-it-works .ihub-master__link a {
  font-family: var(--font-accent);
  font-weight: 700; font-size: 11.5px;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--pink-600);
  text-decoration: none;
}
body.page-how-it-works .ihub-master__link a:hover { text-decoration: underline; }
body.page-how-it-works .ihub-master__footnote {
  margin-top: 24px; padding: 24px 28px;
  background: rgba(245, 214, 224, 0.45);
  border-radius: var(--radius-lg);
}
body.page-how-it-works .ihub-master__footnote h3 {
  font-family: var(--font-display);
  font-weight: 700; font-size: 17px;
  color: var(--navy-500);
  margin: 0 0 8px;
}
body.page-how-it-works .ihub-master__footnote p {
  margin: 0; font-size: 15px; line-height: 1.6; color: var(--navy-700);
}
body.page-how-it-works .ihub-master__footnote a {
  color: var(--pink-600);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 600;
}

/* ─── DUAL CARDS (HSA + Cash side-by-side) ─────────────── */
body.page-how-it-works .ihub-dual { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
@media (max-width: 760px) { body.page-how-it-works .ihub-dual { grid-template-columns: 1fr; } }

/* ─── FAQ ─────────────────────────────────────────────────── */
body.page-how-it-works .ihub-faq__group {
  margin-bottom: 28px;
}
body.page-how-it-works .ihub-faq__group-label {
  font-family: var(--font-accent);
  font-weight: 700; font-size: 12px;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--pink-600);
  margin: 0 0 14px;
  padding-left: 4px;
}
body.page-how-it-works .ihub-faq__list { display: grid; gap: 10px; }
body.page-how-it-works .ihub-faq__item {
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--card-lift-bg);
  backdrop-filter: var(--card-lift-blur);
  -webkit-backdrop-filter: var(--card-lift-blur);
  box-shadow: 0 1px 3px rgba(31,45,64,0.05), 0 8px 24px rgba(31,45,64,0.06);
}
body.page-how-it-works .ihub-faq__q {
  list-style: none;
  cursor: pointer;
  padding: 18px 24px;
  font-family: var(--font-display);
  font-weight: 700; font-size: 16.5px;
  color: var(--navy-500);
  display: flex; align-items: center; justify-content: space-between;
  gap: 18px;
}
body.page-how-it-works .ihub-faq__q::-webkit-details-marker { display: none; }
body.page-how-it-works .ihub-faq__q::after {
  content: "+"; font-family: var(--font-accent);
  font-weight: 800; font-size: 22px; color: var(--pink-500);
  transition: transform 0.2s ease; flex-shrink: 0;
}
body.page-how-it-works .ihub-faq__item[open] .ihub-faq__q::after { transform: rotate(45deg); }
body.page-how-it-works .ihub-faq__a {
  padding: 0 24px 22px;
  font-size: 15.5px; line-height: 1.65;
  color: var(--navy-700);
}
body.page-how-it-works .ihub-faq__a p { margin: 0 0 12px; }
body.page-how-it-works .ihub-faq__a p:last-child { margin: 0; }
body.page-how-it-works .ihub-faq__a a { color: var(--pink-600); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

/* ─── DARK-BAND SECTION HEADS ─────────────────────────────────
   The page's fixed gradient ramps to dark navy at the bottom.
   Section heads in HSA / Cash / FAQ / Mid CTA sit on that dark
   band — they need a light treatment for readable contrast.
   (Cards inside these sections still use the lifted white look.)
   ──────────────────────────────────────────────────────────── */
/* Cash / FAQ / HSA headers — default colors (page gradient is pink/sky in these bands, not navy) */
/* FAQ group labels sit on the LIGHT page gradient (pink fading to sky/slate),
   not a dark band — light pink was unreadable. Use the darker brand pink. */
body.page-how-it-works .ihub-faq__group-label {
  color: var(--pink-700) !important;
}
/* Mid-CTA inner copy — sits on light card; defaults to navy */

/* Top nav (sticky, white background) — when scrolled into the
   dark band it stays correct; nothing to override there. */

/* ─── MID CTA ──────────────────────────────────────────── */
body.page-how-it-works .ihub-midcta { padding: 0 32px clamp(40px, 6vw, 72px); }
body.page-how-it-works .ihub-midcta__inner {
  max-width: 720px; margin: 0 auto;
  padding: 32px 32px;
  text-align: center;
}
body.page-how-it-works .ihub-midcta__inner p {
  margin: 14px 0 0;
  font-size: 14.5px;
  color: var(--navy-400);
}

/* ─── FINAL CTA — gradient-into-navy ──────────────────── */
/* Final CTA → LIGHT frosted card + Case-A fade (enabled below). Was a navy gradient band. */
body.page-how-it-works .ihub-final {
  padding: clamp(48px, 7vw, 80px) 24px;
  text-align: center;
  color: var(--navy-500);
  background: transparent !important;
}
body.page-how-it-works .ihub-final__inner {
  max-width: 760px; margin: 0 auto;
  background: var(--card-lift-bg); backdrop-filter: var(--card-lift-blur); -webkit-backdrop-filter: var(--card-lift-blur);
  border: 1px solid rgba(255,255,255,0.6); border-radius: var(--radius-xl);
  padding: clamp(40px,5.5vw,60px) clamp(28px,4vw,48px); box-shadow: 0 18px 50px -28px rgba(41,52,72,0.35);
}
body.page-how-it-works .footer-ombre-blend { display: block; }  /* Case-A fade on how-it-works */
body.page-how-it-works .ihub-final__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(28px, 3.4vw, 40px);
  line-height: 1.15; letter-spacing: -0.02em;
  color: var(--navy-700);
  margin: 0 0 16px;
  text-wrap: balance;
}
body.page-how-it-works .ihub-final__body {
  color: var(--navy-500);
  font-size: clamp(15px, 1.2vw, 17px);
  line-height: 1.6;
  margin: 0 auto 28px;
  max-width: 580px;
}
/* .btn--sky uses its global light-context styling now (the white/pink override was only for the old navy band) */
body.page-how-it-works .ihub-final__sub-note {
  display: block;
  color: var(--navy-400);
  font-size: 13.5px;
  margin-top: 14px;
}
body.page-how-it-works .ihub-final__phones {
  margin-top: 22px;
  font-size: 14px;
  color: var(--navy-500); /* closer is a light card now; white was unreadable */
}
body.page-how-it-works .ihub-final__phones b { color: var(--navy-700); font-weight: 700; }

@media (max-width: 720px) {
  body.page-how-it-works .ihub-hero__phones { flex-direction: column; gap: 10px; }
  body.page-how-it-works .ihub-hero__ctas .btn { width: 100%; justify-content: center; }
}

/* QA5 #5: "Wondering if you're covered?" nudge — drop the "Preview my coverage"
   link to its own line on mobile (carriage return before it). Targets the two
   inline-styled nudge paragraphs that directly contain the estimator link. */
@media (max-width: 600px) {
  body.page-how-it-works p:has(> a[href="/insurance/coverage-estimator/"]) > a::before {
    content: ""; display: block;
  }
}