.how-it-works {
    padding: 80px 0;
    background: var(--color-bg, #fff);
}

.hiw-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin-top: 56px;
    position: relative;
}

.hiw-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 40px 32px;
    position: relative;
    background: #fff;
    border: 1px solid #e8edf3;
    border-radius: 16px;
    margin: 0 12px;
    box-shadow: 0 2px 12px rgba(30, 58, 95, 0.06);
    transition: box-shadow 0.2s;
}

.hiw-step:hover {
    box-shadow: 0 6px 24px rgba(30, 58, 95, 0.12);
}

.hiw-step-number {
    position: absolute;
    top: -18px;
    left: 50%;
    transform: translateX(-50%);
    width: 36px;
    height: 36px;
    background: var(--color-primary, #1E3A5F);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 700;
    line-height: 1;
}

.hiw-step-icon {
    width: 72px;
    height: 72px;
    background: #f0f5fb;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    color: var(--color-primary, #1E3A5F);
    margin-top: 8px;
}

.hiw-step-content h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--color-primary, #1E3A5F);
    margin-bottom: 10px;
}

.hiw-step-content p {
    font-size: 14px;
    line-height: 1.7;
    color: #5a6a7e;
}

.hiw-arrow {
    display: none;
}

.hiw-bottom {
    display: flex;
    justify-content: center;
    gap: 16px;
    margin-top: 48px;
    flex-wrap: wrap;
}

.hiw-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 28px;
    border-radius: 10px;
    font-size: 15px;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.2s;
}

.hiw-btn-primary {
    background: var(--color-primary, #1E3A5F);
    color: #fff;
}

.hiw-btn-primary:hover {
    background: #16304f;
    transform: translateY(-1px);
}

.hiw-btn-whatsapp {
    background: #25d366;
    color: #fff;
}

.hiw-btn-whatsapp:hover {
    background: #1ebe5b;
    transform: translateY(-1px);
}

@media (max-width: 768px) {
    .how-it-works {
        padding: 60px 0;
    }

    .hiw-grid {
        grid-template-columns: 1fr;
        gap: 32px;
        margin-top: 48px;
    }

    .hiw-step {
        margin: 0;
    }

    .hiw-bottom {
        flex-direction: column;
        align-items: center;
    }

    .hiw-btn {
        width: 100%;
        max-width: 320px;
        justify-content: center;
    }
}