/* ── How it works ── */
.how { padding: 5rem 0; border-bottom: 1px solid var(--border); }
.steps-flow {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  max-width: 860px;
  margin: 0 auto;
  position: relative;
}
.step-card {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 2rem 1.5rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 1rem;
}
.step-card__icon {
  width: 3rem; height: 3rem; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; margin-bottom: 1rem; border: 2px solid;
  position: relative;
}
.step-card:nth-child(1) .step-card__icon { border-color: var(--primary); background: var(--primary-light); }
.step-card:nth-child(2) .step-card__icon { border-color: var(--success); background: var(--success-light); }
.step-card:nth-child(3) .step-card__icon { border-color: var(--warning); background: var(--warning-light); }
.step-card h3 { font-size: 0.9375rem; font-weight: 700; margin-bottom: 0.375rem; }
.step-card p { font-size: 0.875rem; color: var(--text-muted); line-height: 1.6; }
.step-card__badge { margin-top: 0.75rem; }