/* learnmore (how-it-works) page */
/* ── How It Works Page ── */
.lm-wrap {
    max-width: 860px;
    margin: 0 auto;
    padding: 60px 24px 80px;
}

/* Hero */
.lm-hero {
    text-align: center;
    margin-bottom: 72px;
}
.lm-hero h1 {
    font-size: 42px;
    font-weight: normal;
    color: #111;
    letter-spacing: -.5px;
    margin-bottom: 16px;
    line-height: 1.15;
}
.lm-hero h1 span { color: #059669; }
.lm-hero p {
    font-size: 18px;
    color: #000;
    max-width: 560px;
    margin: 0 auto 28px;
    line-height: 1.7;
}
.lm-hero-ctas {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
}
.lm-btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 28px;
    background: #059669;
    color: #fff;
    font-size: 15px;
    font-weight: normal;
    border-radius: 999px;
    text-decoration: none;
    transition: background .15s, transform .12s;
    box-shadow: 0 4px 14px rgba(5,150,105,.35);
}
.lm-btn-primary:hover { background: #047857; transform: translateY(-2px); }
.lm-btn-ghost {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 24px;
    border: 1px solid #e0e0e0;
    color: #000;
    font-size: 15px;
    font-weight: normal;
    border-radius: 999px;
    text-decoration: none;
    transition: border-color .15s, color .15s;
}
.lm-btn-ghost:hover { border-color: #111; color: #111; }

/* Section label pattern */
.lm-section { margin-bottom: 72px; }
.lm-label {
    font-size: 11px;
    font-weight: normal;
    text-transform: uppercase;
    letter-spacing: 1.4px;
    color: #059669;
    margin-bottom: 10px;
}
.lm-section h2 {
    font-size: 28px;
    font-weight: normal;
    color: #111;
    letter-spacing: -.3px;
    margin-bottom: 10px;
    line-height: 1.2;
}
.lm-section > p {
    font-size: 16px;
    color: #000;
    line-height: 1.75;
    max-width: 680px;
    margin-bottom: 32px;
}

/* Numbered steps */
.lm-steps {
    display: flex;
    flex-direction: column;
    gap: 0;
    position: relative;
}
.lm-step {
    display: flex;
    gap: 24px;
    align-items: flex-start;
    position: relative;
    padding-bottom: 36px;
}
.lm-step:last-child { padding-bottom: 0; }
.lm-step-left {
    display: flex;
    flex-direction: column;
    align-items: center;
    flex-shrink: 0;
    width: 48px;
}
.lm-step-num {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: #059669;
    color: #fff;
    font-size: 18px;
    font-weight: normal;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    z-index: 1;
}
.lm-step-line {
    width: 2px;
    flex: 1;
    background: #e8e8e8;
    margin-top: 6px;
    min-height: 32px;
}
.lm-step:last-child .lm-step-line { display: none; }
.lm-step-body {
    padding-top: 10px;
    padding-bottom: 4px;
}
.lm-step-body h3 {
    font-size: 17px;
    font-weight: normal;
    color: #111;
    margin-bottom: 6px;
}
.lm-step-body p {
    font-size: 14.5px;
    color: #737373;
    line-height: 1.65;
    margin: 0;
}
.lm-step-body a { color: #059669; text-decoration: none; }
.lm-step-body a:hover { text-decoration: underline; }

/* Requirements checklist */
.lm-checklist {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 4px;
}
.lm-check-item {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    background: #fafafa;
    border: 1px solid #e8e8e8;
    border-radius: 10px;
    padding: 16px;
}
.lm-check-icon {
    font-size: 16px;
    flex-shrink: 0;
    margin-top: 1px;
}
.lm-check-item h4 {
    font-size: 13.5px;
    font-weight: normal;
    color: #111;
    margin-bottom: 3px;
}
.lm-check-item p {
    font-size: 12.5px;
    color: #737373;
    line-height: 1.5;
    margin: 0;
}

/* Review timeline */
.lm-timeline {
    display: flex;
    flex-direction: column;
    gap: 0;
    margin-top: 4px;
    border: 1px solid #e8e8e8;
    border-radius: 12px;
    overflow: hidden;
}
.lm-timeline-item {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 18px 24px;
    border-bottom: 1px solid #e8e8e8;
}
.lm-timeline-item:last-child { border-bottom: none; }
.lm-timeline-num {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #ecfdf5;
    color: #059669;
    font-size: 13px;
    font-weight: normal;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.lm-timeline-text h4 {
    font-size: 14px;
    font-weight: normal;
    color: #111;
    margin-bottom: 2px;
}
.lm-timeline-text p {
    font-size: 13px;
    color: #737373;
    margin: 0;
}

/* After approval cards */
.lm-benefit-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin-top: 4px;
}
.lm-benefit-card {
    background: #fafafa;
    border: 1px solid #e8e8e8;
    border-radius: 10px;
    padding: 22px 18px;
}
.lm-benefit-card-icon { font-size: 22px; margin-bottom: 10px; display: block; }
.lm-benefit-card h3 {
    font-size: 14px;
    font-weight: normal;
    color: #111;
    margin-bottom: 6px;
}
.lm-benefit-card p {
    font-size: 13px;
    color: #737373;
    line-height: 1.6;
    margin: 0;
}

/* Tips */
.lm-tips {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 4px;
}
.lm-tip {
    display: flex;
    gap: 14px;
    align-items: flex-start;
}
.lm-tip-dot {
    width: 8px;
    height: 8px;
    background: #059669;
    border-radius: 50%;
    flex-shrink: 0;
    margin-top: 7px;
}
.lm-tip p {
    font-size: 15px;
    color: #000;
    line-height: 1.65;
    margin: 0;
}
.lm-tip strong { color: #111; }

/* FAQ nudge */
.lm-faq-nudge {
    background: #fafafa;
    border: 1px solid #e8e8e8;
    border-radius: 12px;
    padding: 28px 32px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    margin-bottom: 72px;
}
.lm-faq-nudge h3 { font-size: 17px; font-weight: normal; color: #111; margin-bottom: 4px; }
.lm-faq-nudge p  { font-size: 14px; color: #737373; margin: 0; }
.lm-faq-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 20px;
    border: 1px solid #e0e0e0;
    border-radius: 999px;
    color: #111;
    font-size: 13.5px;
    font-weight: normal;
    text-decoration: none;
    white-space: nowrap;
    transition: border-color .15s, background .15s;
    flex-shrink: 0;
}
.lm-faq-link:hover { border-color: #059669; color: #059669; }

/* Dark CTA */
.lm-cta {
    background: #111;
    border-radius: 16px;
    padding: 48px 40px;
    text-align: center;
}
.lm-cta h2 {
    font-size: 28px;
    font-weight: normal;
    color: #fff;
    letter-spacing: -.3px;
    margin-bottom: 10px;
}
.lm-cta p {
    font-size: 16px;
    color: #a0a0a0;
    margin-bottom: 28px;
    max-width: 460px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.6;
}
.lm-cta-btns {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
}
.lm-cta-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 28px;
    background: #059669;
    color: #fff;
    font-size: 15px;
    font-weight: normal;
    border-radius: 999px;
    text-decoration: none;
    transition: background .15s, transform .12s;
    box-shadow: 0 4px 14px rgba(5,150,105,.4);
}
.lm-cta-primary:hover { background: #047857; transform: translateY(-2px); }
.lm-cta-secondary {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 13px 24px;
    color: #a0a0a0;
    font-size: 15px;
    font-weight: normal;
    border-radius: 999px;
    border: 1px solid #333;
    text-decoration: none;
    transition: color .15s, border-color .15s;
}
.lm-cta-secondary:hover { color: #fff; border-color: #555; }

/* Responsive */
@media (max-width: 768px) {
    .lm-wrap { padding: 40px 18px 60px; }
    .lm-hero h1 { font-size: 30px; }
    .lm-hero p  { font-size: 16px; }
    .lm-checklist { grid-template-columns: 1fr; }
    .lm-benefit-cards { grid-template-columns: 1fr; }
    .lm-faq-nudge { flex-direction: column; align-items: flex-start; }
    .lm-cta { padding: 36px 24px; }
    .lm-cta h2 { font-size: 22px; }
    .lm-cta-secondary { display: none; }
}