body {
  margin: 0;
  font-family: 'Oxygen', sans-serif;
  background-color: #ffffff;
  color: #FFFFFF;
}

.howitworks-header {
  background: url('/subpage_mastheads/masthead_howitworks_desktop.jpg') no-repeat center center;
  background-size: cover;
  padding: 6.25rem 1.25rem; /* 100px / 16px = 6.25rem, 20px / 16px = 1.25rem */
  text-align: center;
  height: 12.5rem; /* 200px / 16px = 12.5rem */

}

.howitworks-content {
  max-width: 68.75rem; /* 1100px / 16px = 68.75rem */
  margin: 0 auto;
}

.howitworks-title {
  font: bold 3.875rem 'Oxygen', sans-serif; /* 62px / 16px = 3.875rem */
  margin-bottom: 1rem;
  color: #FFFFFF;
}

.howitworks-subtitle {
  font: 2rem 'Source Sans Pro', sans-serif; /* 32px / 16px = 2rem */
  line-height: 1.7;
  margin: 0.5rem 0;
  color: #FFFFFF;

}


/*----------------------------------------------------------------------------------------------------------------------------------*/



.cma-section {
  background-color: #ffffff;
  color: #012A4A;
  padding: 6em 2em;
  font-family: 'Source Sans Pro', sans-serif;
}

.cma-container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  max-width: 81.25rem; /* 1300px / 16px = 81.25rem */
  margin: 0 auto;
  gap: 2rem;
}

.cma-left {
  flex: 1 1 55%;
  max-width: 43.75rem; /* 700px / 16px = 43.75rem */
}

.cma-right {
  flex: 1 1 40%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.cma-label {
  color: #01497C;
  font: 1.125rem 'Source Sans Pro'; /* 18px / 16px = 1.125rem */
  font-weight: 600;
  letter-spacing: 0.0625rem; /* 1px / 16px = 0.0625rem */
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.cma-title {
  font: 3rem 'Oxygen'; /* 48px / 16px = 3rem */
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 2rem;
  color: #012A4A;
}

.cma-text {
  font: 1.125rem 'Source Sans Pro'; /* 18px / 16px = 1.125rem */
  line-height: 1.8;
  margin-bottom: 1.5rem;
  color: #000;
}

.cma-image {
    padding-top: 8rem;
  max-width: 75%;
  height: auto;
}



/*----------------------------------------------------------------------------------------------------------------------------------*/





.savings-section {
  background-color: #fff;
  padding: 6em 2em;
  font-family: 'Source Sans Pro', sans-serif;
  color: #012A4A;
  text-align: center;
}

.savings-title {
  font: 3rem 'Oxygen'; /* 48px / 16px = 3rem */
  font-weight: 700;
  margin-bottom: 1.5rem;
  color: #012A4A;
}

.savings-text {
  font: 1.125rem 'Source Sans Pro'; /* 18px / 16px = 1.125rem */
  max-width: 56.25rem; /* 900px / 16px = 56.25rem */
  margin: 0 auto 1.5rem;
  line-height: 1.7;
  color: #000;
}

.savings-grid {
  display: flex;
  justify-content: center;
  gap: 0.2rem;
  margin-top: 3rem;
}

.savings-card {
  background-color: #f5f5f5;
  flex: 1 1 17.5rem; /* 280px / 16px = 17.5rem */
  max-width: 17.5rem; /* 280px / 16px = 17.5rem */
  padding: 2.5rem;
  border-top: 0.625rem solid #012A4A; /* 10px / 16px = 0.625rem */
  text-align: left;
}

.savings-card h3 {
  font: 1.375rem 'Oxygen'; /* 22px / 16px = 1.375rem */
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: rgb(33, 37, 41);
  text-align: center;
  margin-bottom: 1rem;
}

.savings-card .duration {
  font-size: 1.125rem; /* 18px / 16px = 1.125rem */
  font-weight: 600;
  margin: 0.5rem 0;
  text-align: center;
  color: #000;
}

.savings-card .type {
  color: #01497C;
  font-weight: 600;
  font-size: 1rem; /* 16px / 16px = 1rem */
  margin-bottom: 1rem;
  text-transform: uppercase;
  text-align: center;
}

.savings-card hr {
  border: none;
  border-top: 0.0625rem solid #ccc; /* 1px / 16px = 0.0625rem */
  margin: 1rem 0;
}

.savings-card h4 {
  font-size: 1.125rem; /* 18px / 16px = 1.125rem */
  font-weight: 600;
  margin-bottom: 1rem;
  color: rgb(33, 37, 41);
  text-align: center;
}

.savings-card ul {
  list-style: none;
  padding: 0;
  margin: 0 auto;
}

.savings-card li {
  display: flex;
  margin-bottom: 0.75rem;
  align-items: center;
  justify-content: flex-start;
  font-size: 1rem; /* 16px / 16px = 1rem */
  color: #012A4A;
  text-align: left;

}

.savings-card li img {
  width: 1.125rem; /* 18px / 16px = 1.125rem */
  height: 1.125rem; /* 18px / 16px = 1.125rem */
  margin-right: 0.625rem; /* 10px / 16px = 0.625rem */
}

.savings-list {
  max-width: 100%;
  margin: 0 auto;
}

.savings-list li {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  font-size: 1.125rem; /* 18px / 16px = 1.125rem */
  color: #000;
  text-align: left;
  white-space: nowrap;
  text-overflow: ellipsis;
}

.savings-list li img {
  width: 1rem; /* 16px / 16px = 1rem */
  height: 1rem; /* 16px / 16px = 1rem */
  margin-right: 0.5rem; /* 8px / 16px = 0.5rem */
  flex-shrink: 0;
}

.savings-list-container {
  margin: 0 auto;
  max-width: 31.25rem; /* 500px / 16px = 31.25rem */
  text-align: left;
}

/* Top border color variations */
.savings-blue {
  border-top-color: #012A4A;
}

.savings-teal {
  border-top-color: #2ca8a4;
}

.savings-indigo {
  border-top-color: #468ff2;
}




.savings-cta {
  text-align: center;
  margin-top: 4rem;
}

.cta-text {
  font: 1.5rem 'Oxygen'; /* 24px / 16px = 1.5rem */
  font-weight: 700;
  color: #012A4A;
  margin-bottom: 2rem;
  margin-top: 4rem
}

.cta-button {
  display: inline-block;
  background-color: #194e82;
  color: white;
  padding: 0.875rem 2.375rem; /* 14px / 16px = 0.875rem, 38px / 16px = 2.375rem */
  font: 1rem 'Source Sans Pro'; /* 16px / 16px = 1rem */
  font-weight: 400;
  border-radius: 999px;
  text-decoration: none;
  transition: background-color 0.3s ease;
}

.cta-button:hover {
  background-color: #1563ad;
}




/*----------------------------------------------------------------------------------------------------------------------------------*/


.features-section {
  background-color: #012A4A;
  color: #ffffff;
  padding: 6em 2em;
  font-family: 'Source Sans Pro', sans-serif;
}

.features-container {
  max-width: 75rem; /* 1200px / 16px = 75rem */
  margin: 0 auto;
  text-align: center;
}

.features-title {
  font: 3rem 'Oxygen'; /* 48px / 16px = 3rem */
  font-weight: 700;
  margin-bottom: 2rem;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(18.75rem, 1fr)); /* 300px / 16px = 18.75rem */
  gap: 0;
  border: 0.0625rem solid #297ea3; /* 1px / 16px = 0.0625rem */
}

.feature-card {
  padding: 2rem;
  border: 0.0625rem solid rgb(3, 170, 173); /* 1px / 16px = 0.0625rem */
  text-align: left;

}

.feature-card.teal {
  background-color: rgb(2, 119, 121);
  color: #ffffff;
}

.feature-card.dark {
  background-color: #012A4A;
}

.feature-icon-title {
  display: flex;
  align-items: center;
  gap: 0.5rem; /* 8px / 16px = 0.5rem */
  margin-bottom: 1rem;
}

.feature-icon-title img {
  width: 1rem; /* 16px / 16px = 1rem */
  height: 1rem; /* 16px / 16px = 1rem */
  margin-right: 0.2rem;
}

.feature-card h3 {
  font-size: 1.375rem; /* 22px / 16px = 1.375rem */
  font-weight: 400;
  margin: 0;
  font-family: 'Source Sans Pro'
}

.feature-card p {
  font-size: 1rem; /* 16px / 16px = 1rem */
  line-height: 1.6;
  margin-top: 0.5rem;
  margin-left: 1.8rem;
}












/*----------------------------------------------------------------------------------------------------------------------------------*/




.faq-section {
  background-color: #f5f5f5;
  padding: 6em 2em;
  font-family: 'Source Sans Pro', sans-serif;
  color: #012A4A;
}

.faq-container {
  max-width: 56.25rem; /* 900px / 16px = 56.25rem */
  margin: 0 auto;
}

.faq-label {
  text-transform: uppercase;
  font-size: 1.125rem; /* 18px / 16px = 1.125rem */
  font-weight: 600;
  letter-spacing: 0.0625rem; /* 1px / 16px = 0.0625rem */
  color: #01497C;
  text-align: center;
  margin-bottom: 1rem;
  font-family: 'Source Sans Pro'
}

.faq-title {
  font-size: 3rem; /* 48px / 16px = 3rem */
  font-weight: 700;
  text-align: center;
  margin-bottom: 2rem;
  color: #012A4A;
}

.faq-item {
  border-bottom: 0.0625rem solid #000000; /* 1px / 16px = 0.0625rem */
  padding: 2rem 0;
}

.faq-question {
  font-size: 1.125rem; /* 18px / 16px = 1.125rem */
  font-weight: 600;
  background: none;
  border: none;
  width: 100%;
  padding: 0;
  color: #01497C;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  gap: 0.625rem; /* 10px / 16px = 0.625rem */
}

.faq-text {
  flex-grow: 1;
  text-align: left;
  color: rgb(1, 73, 124);
  font: 1.5rem "Oxygen"; /* 24px / 16px = 1.5rem */
  font-weight: 700;
}

.faq-question img {
  width: 1.125rem; /* 18px / 16px = 1.125rem */
  transition: transform 0.3s ease;
}

.faq-item.active .faq-question img {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  color: #000;
  font-size: 1rem; /* 16px / 16px = 1rem */
  line-height: 1.6;
}

.faq-item.active .faq-answer {
  max-height: 62.5rem; /* 1000px / 16px = 62.5rem */ /* large enough for full content */
}

.faq-answer a {
  color: #01497C;
  text-decoration: underline;
}

.faq-answer p{
    font-family: 'Source Sans Pro';
    font-size: 1.125rem; /* 18px / 16px = 1.125rem */
}




/*----------------------------------------------------------------------------------------------------------------------------------*/



.paas-section {
  background-color: #fff;
  padding: 6em 2em;
  font-family: 'Source Sans Pro', sans-serif;
  color: #012A4A;
  text-align: center;
}

.paas-container {
  max-width: 81.25rem; /* 1300px / 16px = 81.25rem */
  margin: 0 auto;
}

.paas-title {
  font: 3rem 'Oxygen'; /* 48px / 16px = 3rem */
  font-weight: 700;
  margin-bottom: 1.5rem;
  color: #012A4A;
}

.paas-subtitle {
  font: 1.125rem 'Source Sans Pro'; /* 18px / 16px = 1.125rem */
  max-width: 62.5rem; /* 1000px / 16px = 62.5rem */
  margin: 0 auto 2.5rem;
  line-height: 1.7;
  color: #000;
}

.paas-highlight {
  font: 1.75rem 'Oxygen'; /* 28px / 16px = 1.75rem */
  font-weight: 700;
  margin-bottom: 4rem;
}

.paas-highlight .blue {
  color: #012A4A;
}

.paas-highlight .teal {
  color: #2ca8a4;
}

.paas-diagram {
  text-align: center;
}

.paas-diagram img {
  margin-top: 4rem;
  max-width: 80%;
  height: auto;
}

/*----------------------------------------------------------------------------------------------------------------------------------*/





.get-started-section {
  background-color: #f5f5f5;
  padding: 6em 2em;
  font-family: 'Source Sans Pro', sans-serif;
  text-align: center;
}

.get-started-container {
  max-width: 87.5rem; /* 1400px / 16px = 87.5rem */
  margin: 0 auto;
}

.get-started-title {
  font: 3rem 'Oxygen'; /* 48px / 16px = 3rem */
  font-weight: 700;
  color: #012A4A;
  margin-bottom: 0.5rem;
}

.get-started-subtitle {
  font-size: 1.75rem; /* 28px / 16px = 1.75rem */
  font-weight: 400;
  color: #01497C;
  margin-bottom: 2.5rem;
  margin-top: 1rem;
  font-family: 'Oxygen';
}

.get-started-text {
  font-size: 1.5rem; /* 24px / 16px = 1.5rem */
  color: #000;
  max-width: 87.5rem; /* 1400px / 16px = 87.5rem */
  margin: 0 auto 1.2rem;
  line-height: 1.7;
  font-family: 'Source Sans Pro'
}

.get-started-buttons {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 14rem;
  margin-top: 3rem;

}

.get-started-btn {
  background-color: #01497C;
  color: #fff;
  padding: 0.7rem 2.8rem;
  border-radius: 2rem;
  text-decoration: none;
  font-weight: 400;
  font-family: 'Source Sans Pro';
  font-size: 1.125rem; /* 18px / 16px = 1.125rem */
  letter-spacing: 0.03125rem; /* 0.5px / 16px = 0.03125rem */
  text-transform: uppercase;
  transition: background-color 0.3s ease;
  margin-top: 3rem;
}

.get-started-btn:hover {
  background-color: #023e6a;
}




/*----------------------------------------------------------------------------------------------------------------------------------*/




@media (max-width: 60rem) {  

  .howitworks-header {
    padding: 10rem 0;
    height: 32.5rem;
    padding-bottom: 0;
  }

  .howitworks-title {
    padding-bottom: 2rem;
  }

  .howitworks-content {
    max-width: 64rem;
  }

  .cma-title {
    max-width: 64rem;
    text-align: center;
    margin: 0 auto;
  }

  .cma-container {
  flex-direction: column;
  align-items: center;
  text-align: center;
  max-width: 64rem;
  margin: 0 auto;
  }

  .cma-left, .cma-right {
    width: 100%;
    max-width: 100%;
  }

  .cma-right img {
    width: 100%;
    max-width: 64rem;
    height: auto;
    display: block;
    margin: 2rem auto 0 auto;
    padding-top: 0rem;
  }

  .cma-label {
    font-size: 1.5rem;
  }

  .cma-text {
    font-size: 2rem;
    align-items: center;
    
  }

  .asset-benefits-list li img {
    transform: scale(2);
    padding-right: 1rem;
  }

  .asset-benefits-left,
  .asset-benefits-right {
    width: 100%;
    max-width: 100%;
  }
  .asset-benefits-right {
    padding-top: 5rem;
  }


  .partner-steps{
    max-width: 64rem;
    margin: 0 auto;

  }

  .step-text {
    font-size: 2rem;
    text-align: left;
  }

  .form-subheading {
    font-size: 2rem;
  }
  label{
  font-size: 2rem;
  }

  .btn{

    font-size: 1.125rem;      /* increase font size */
    padding: 1rem 0rem;       /* increase padding */
    min-width: 50%;          /* full width if stacked */
    border-radius: 0.5rem;    /* optional: smoother corners */
  }

  .savings-text {
    font-size: 1.7rem;
  }

  .savings-card .duration, .savings-card .type, .savings-list li {
    font-size: 1.5rem;
  }

  .savings-card h4, .cta-text{
    font-size: 1.8rem;
  }

  .savings-grid {
    flex-direction: column;
    align-items: center;
    max-width: 100%;
    margin: 0 auto;
    padding: 0 1rem;
  }

  .savings-card {
    max-width: 100%;
    width: 100%;
    text-align: center; /* Optional: center text on small screens */
  }

  .savings-card h3 {
    font-size: 2rem;
  }

  .features-grid {
    grid-template-columns: 1fr; /* Single column layout */
  }

  .feature-card {
    padding: 4rem;
    border: 0.0625rem solid rgb(3, 170, 173);
    text-align: left;
  }

  .feature-card h3, .faq-text {
    font-size: 2rem;
  }

  .feature-card p, .faq-label , .faq-answer p, .paas-subtitle{
    font-size: 1.5rem;
  }
}


/*----------------------------------------------------------------------------------------------------------------------------------*/



@media (max-width: 30rem) {

  .howitworks-header {
    padding: 10rem 0;
    height: 32.5rem;
    padding-bottom: 0;
  }

  .howitworks-title {
    padding-bottom: 2rem;
  }

  .howitworks-content {
    max-width: 34rem;
  }

  .cma-title {
    max-width: 34rem;
    text-align: center;
    margin: 0 auto;
  }

  .cma-container {
  flex-direction: column;
  align-items: center;
  text-align: center;
  max-width: 34rem;
  margin: 0 auto;
  }

  .cma-left, .cma-right {
    width: 100%;
    max-width: 100%;
  }

  .cma-right img {
    width: 100%;
    max-width: 300px;
    height: auto;
    display: block;
    margin: 2rem auto 0 auto;
    padding-top: 0rem;
  }

  .cma-label {
    font-size: 1.5rem;
  }

  .cma-text {
    font-size: 2rem;
    align-items: center;
    
  }

  .asset-benefits-list li img {
    transform: scale(2);
    padding-right: 1rem;
  }

  .asset-benefits-left,
  .asset-benefits-right {
    width: 100%;
    max-width: 100%;
  }
  .asset-benefits-right {
    padding-top: 5rem;
  }


  .partner-steps{
    max-width: 34rem;
    margin: 0 auto;

  }

  .step-text {
    font-size: 2rem;
    text-align: left;
  }

  .form-subheading {
    font-size: 2rem;
  }
  label{
  font-size: 2rem;
  }

  .btn{

    font-size: 1.125rem;      /* increase font size */
    padding: 1rem 0rem;       /* increase padding */
    min-width: 50%;          /* full width if stacked */
    border-radius: 0.5rem;    /* optional: smoother corners */
  }

  .savings-text {
    font-size: 1.7rem;
  }

  .savings-card .duration, .savings-card .type, .savings-list li {
    font-size: 1.5rem;
  }

  .savings-card h4, .cta-text{
    font-size: 1.8rem;
  }

  .savings-grid {
    flex-direction: column;
    align-items: center;
    max-width: 100%;
    margin: 0 auto;
    padding: 0 1rem;
  }

  .savings-card {
    max-width: 100%;
    width: 100%;
    text-align: center; /* Optional: center text on small screens */
  }

  .savings-card h3 {
    font-size: 2rem;
  }

  .features-grid {
    grid-template-columns: 1fr; /* Single column layout */
  }

  .feature-card {
    padding: 4rem;
    border: 0.0625rem solid rgb(3, 170, 173);
    text-align: left;
  }

  .feature-card h3, .faq-text {
    font-size: 2rem;
  }

  .feature-card p, .faq-label , .faq-answer p, .paas-subtitle{
    font-size: 1.5rem;
  }
}