[Frontend] frontend/src/components/HowItWorks.tsx step content is hardcoded inline with no structured data model, making it the hardest marketing component to update or later localize

[grantfox-oss]

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Why this matters

HowItWorks.tsx is one of the most text-dense marketing components (explaining the product step by step). If the step titles/descriptions are inline JSX rather than a typed data array, updating the copy requires touching component logic rather than a simple content list, and it's the highest-value place to start if content extraction or i18n is ever prioritized, since it's static marketing copy rather than dynamic financial data.

Acceptance criteria

• Extract the step titles/descriptions into a typed constant/array at the top of the file (or a separate content module)
• No visual or behavioral change
• Leave a comment noting this structure would ease future content edits or i18n

Files to touch

• frontend/src/components/HowItWorks.tsx

Out of scope

• Implementing actual i18n/translation
• Changing the marketing copy itself

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