.flow{display:grid;grid-template-columns:1fr;gap:28px;margin-top:38px;border:0;background:transparent;color:#141418;}
.flow article{position:relative;min-width:0;padding:24px 20px;border:1px solid #E4DFD3;border-radius:16px;background:#FFFFFF;}
.flow article:not(:last-child)::after{content:'↓';position:absolute;right:50%;bottom:-24px;transform:translateX(50%);font-size:20px;line-height:1;color:#141418;}
.flow b{margin-bottom:16px;color:#5C5A56;font-weight:500;}
.flow h3{margin-bottom:12px;font-size:18px;line-height:1.5;}
.flow p{color:#5C5A56;font-size:14px;line-height:1.85;}