.how-it-works {
  background: linear-gradient(135deg, rgba(25, 55, 98, 0.04), rgba(247, 148, 29, 0.08));
}

.how-it-works__steps {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 3rem;
}

.hiw-step {
  flex: 1;
  max-width: 290px;
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
  position: relative;
}

.hiw-step__num {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 800;
}

.hiw-step__icon {
  width: 56px;
  height: 56px;
  margin: 0.5rem auto 1.2rem;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(25, 55, 98, 0.08);
  color: var(--primary);
}

.hiw-step h3 {
  font-family: var(--font-display);
  color: var(--slate-900);
  margin-bottom: 0.55rem;
}

.hiw-step p {
  color: var(--slate-600);
  font-size: 0.95rem;
}

.hiw-arrow {
  padding: 0 1rem;
  color: rgba(25, 55, 98, 0.3);
}

@media (max-width: 768px) {
  .how-it-works__steps {
    flex-direction: column;
    gap: 2rem;
  }

  .hiw-arrow {
    transform: rotate(90deg);
    padding: 0;
  }

  .hiw-step {
    width: 100%;
    max-width: 100%;
  }
}