.ofi-hiw-section{width:100%;padding:76px 24px 78px;background:#fff;font-family:Arial,Helvetica,sans-serif;color:#102b52}
.ofi-hiw-section *{box-sizing:border-box}
.ofi-hiw-section a,.ofi-hiw-section a:hover,.ofi-hiw-section a:focus{text-decoration:none!important}
.ofi-hiw-container{width:min(1240px,100%);margin:0 auto}
.ofi-hiw-heading{text-align:center;max-width:760px;margin:0 auto 42px}
.ofi-hiw-eyebrow{display:inline-flex;align-items:center;gap:9px;color:#b17c1d;font-size:11px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin-bottom:12px}
.ofi-hiw-eyebrow span{display:inline-block;width:25px;height:2px;background:#d6a342;border-radius:3px}
.ofi-hiw-heading h2{font-size:clamp(30px,3vw,43px);line-height:1.15;color:#102b52;font-weight:800;letter-spacing:-.7px;margin:0 0 13px;padding:0}
.ofi-hiw-heading p{font-size:16px;line-height:1.7;color:#63748a;margin:0 auto;max-width:690px}
.ofi-hiw-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;position:relative}
.ofi-hiw-step{position:relative;background:#f8fafc;border:1px solid #e6ebf1;border-radius:15px;padding:25px 22px 23px;min-height:242px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.ofi-hiw-step:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(15,45,78,.09);border-color:#d8c08c}
.ofi-hiw-step-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:23px}
.ofi-hiw-icon{width:54px;height:54px;display:flex;align-items:center;justify-content:center;background:linear-gradient(145deg,#e9f0f8,#fff5df);border:1px solid #e0e8f0;border-radius:14px;color:#173d66}
.ofi-hiw-icon svg{width:29px;height:29px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.ofi-hiw-number{font-size:26px;font-weight:800;color:#e1e7ef;letter-spacing:-1px}
.ofi-hiw-step h3{font-size:18px;line-height:1.35;font-weight:800;color:#153557;margin:0 0 10px;padding:0}
.ofi-hiw-step p{font-size:13px;line-height:1.7;color:#68798c;margin:0;padding:0}
.ofi-hiw-connector{position:absolute;right:-18px;top:49px;width:16px;text-align:center;color:#c18a25;font-size:20px;z-index:2}
.ofi-hiw-step:last-child .ofi-hiw-connector{display:none}
.ofi-hiw-note{display:flex;align-items:flex-start;gap:11px;max-width:900px;margin:28px auto 0;padding:14px 17px;background:#f7f9fc;border:1px solid #e9edf2;border-radius:10px}
.ofi-hiw-note-icon{width:20px;height:20px;flex:0 0 20px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#e9eff7;color:#173d66;font-size:12px;font-weight:800}
.ofi-hiw-note p{font-size:12px;line-height:1.6;color:#68798c;margin:0}
.ofi-hiw-footer{display:flex;justify-content:center;margin-top:28px}
.ofi-hiw-button{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:48px;padding:13px 21px;border-radius:9px;background:linear-gradient(135deg,#f0cd7d,#c38d28);color:#102b52!important;font-size:14px;font-weight:800;box-shadow:0 7px 16px rgba(174,124,30,.16);transition:transform .2s ease,box-shadow .2s ease}
.ofi-hiw-button:hover{transform:translateY(-2px);box-shadow:0 10px 23px rgba(174,124,30,.25)}
.ofi-hiw-button span{font-size:18px}
@media(max-width:1000px){.ofi-hiw-section{padding:62px 20px}.ofi-hiw-steps{grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.ofi-hiw-step{min-height:215px}.ofi-hiw-connector{display:none}}
@media(max-width:560px){.ofi-hiw-section{padding:49px 16px 54px}.ofi-hiw-heading{margin-bottom:26px}.ofi-hiw-heading h2{font-size:29px}.ofi-hiw-heading p{font-size:14px;line-height:1.6}.ofi-hiw-steps{grid-template-columns:1fr;gap:12px}.ofi-hiw-step{min-height:unset;padding:18px 17px}.ofi-hiw-step-top{margin-bottom:14px}.ofi-hiw-icon{width:46px;height:46px}.ofi-hiw-icon svg{width:25px;height:25px}.ofi-hiw-step h3{font-size:16px}.ofi-hiw-step p{font-size:13px}.ofi-hiw-note{margin-top:20px;padding:12px}.ofi-hiw-footer{margin-top:22px}.ofi-hiw-button{width:100%;max-width:340px}}
@media(prefers-reduced-motion:reduce){.ofi-hiw-section *{transition:none!important;animation:none!important}}