/* ============================================================
   REAL ESTATE INVESTMENT — PAGE CSS
   WealthBridge Design System
   Sections:
     Hero (dark) → Why Real Estate (white) → Property Types (gray-50)
     → Market Insights (white) → Investment Process (dark)
     → Calc Strip (red) → Risk vs Return (gray-50)
     → Testimonials (white) → FAQ (gray-50) → CTA (dark) → Related (white)
============================================================ */

/* ────────────────────────────────────────────────────────────
   HERO — DARK
──────────────────────────────────────────────────────────── */
.service-hero {
  position: relative;
  background: var(--black);
  overflow: hidden;
  padding: 100px 0 80px;
}

.sh-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(
      ellipse 60% 82% at 67% 47%,
      rgba(200, 16, 46, 0.17) 0%,
      transparent 65%
    ),
    radial-gradient(
      ellipse 32% 40% at 2% 86%,
      rgba(200, 16, 46, 0.06) 0%,
      transparent 50%
    );
}

.sh-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.025) 1px, transparent 1px);
  background-size: 56px 56px;
}

.sh-line {
  position: absolute;
  top: 0;
  right: 23%;
  width: 1px;
  height: 100%;
  background: linear-gradient(
    to bottom,
    transparent,
    rgba(200, 16, 46, 0.26),
    transparent
  );
}
.sh-line2 {
  position: absolute;
  top: 0;
  right: 39%;
  width: 1px;
  height: 100%;
  background: linear-gradient(
    to bottom,
    transparent,
    rgba(255, 255, 255, 0.04),
    transparent
  );
}

/* City skyline watermark */
.sh-watermark {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 55%;
  height: 100%;
  pointer-events: none;
  overflow: hidden;
  opacity: 0.035;
}
.sh-skyline {
  position: absolute;
  bottom: 0;
  right: -20px;
  display: flex;
  align-items: flex-end;
  gap: 6px;
}
.sh-skyline-bar {
  background: var(--white);
  border-radius: 2px 2px 0 0;
  width: 28px;
}

/* diagonal accent */
.sh-diagonal {
  position: absolute;
  top: 0;
  right: 0;
  width: 48%;
  height: 100%;
  background: linear-gradient(
    135deg,
    transparent 45%,
    rgba(155, 13, 35, 0.06) 100%
  );
  pointer-events: none;
}

.sh-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

/* ── Hero Left ── */
.hero__label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200, 16, 46, 0.15);
  border: 1px solid rgba(200, 16, 46, 0.3);
  color: #ff8090;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
}
.hero__label::before {
  content: "";
  width: 6px;
  height: 6px;
  background: var(--red);
  border-radius: 50%;
  animation: heroPulse 2s infinite;
}
@keyframes heroPulse {
  0%,
  100% {
    transform: scale(1);
    opacity: 1;
  }
  50% {
    transform: scale(1.6);
    opacity: 0.5;
  }
}

.hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 4.5vw, 3.7rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.05;
  margin-bottom: 18px;
  letter-spacing: -0.02em;
}
.hero__title em {
  color: var(--red);
  font-style: italic;
  display: block;
}

.hero__subtitle {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.6);
  max-width: 460px;
  line-height: 1.85;
  margin-bottom: 36px;
}

.hero__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

/* stats strip */
.hero__stats {
  display: flex;
  gap: 0;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 8px;
  overflow: hidden;
}
.hero__stats > div {
  padding: 14px 22px;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
  flex: 1;
  text-align: center;
}
.hero__stats > div:last-child {
  border-right: none;
}
.hero__stat-num {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}
.hero__stat-num span {
  color: var(--red);
}
.hero__stat-label {
  font-size: 11.5px;
  color: rgba(255, 255, 255, 0.45);
  margin-top: 3px;
}

/* ── Hero Right — Property Card ── */
.hero__visual {
  position: relative;
}

.hero__card-main {
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 14px;
  padding: 28px;
  box-shadow: 0 32px 80px rgba(0, 0, 0, 0.45);
  position: relative;
  z-index: 2;
}

.hero__card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}
.hero__card-title {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.5);
}
.hero__card-badge {
  display: flex;
  align-items: center;
  gap: 5px;
  background: rgba(74, 222, 128, 0.12);
  color: #4ade80;
  font-size: 12px;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 5px;
}
.hero__card-badge-dot {
  width: 6px;
  height: 6px;
  background: #4ade80;
  border-radius: 50%;
  animation: heroPulse 2s infinite;
}

/* Property listing rows inside card */
.hero__property-list {
  margin-bottom: 18px;
}
.hpl-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 12px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: 8px;
  margin-bottom: 8px;
  transition: background 0.2s;
}
.hpl-row:hover {
  background: rgba(255, 255, 255, 0.08);
}
.hpl-icon {
  width: 34px;
  height: 34px;
  background: rgba(200, 16, 46, 0.15);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  color: var(--red);
  flex-shrink: 0;
}
.hpl-info {
  flex: 1;
}
.hpl-name {
  font-size: 12px;
  font-weight: 600;
  color: var(--white);
}
.hpl-loc {
  font-size: 10px;
  color: rgba(255, 255, 255, 0.4);
  margin-top: 1px;
}
.hpl-right {
  text-align: right;
}
.hpl-price {
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
}
.hpl-yield {
  font-size: 10px;
  font-weight: 700;
  color: #4ade80;
  margin-top: 1px;
}

/* Portfolio summary row */
.hero__port-summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 14px;
  background: rgba(200, 16, 46, 0.1);
  border: 1px solid rgba(200, 16, 46, 0.22);
  border-radius: 8px;
  margin-bottom: 16px;
}
.hps-label {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.6);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}
.hps-value {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
}
.hps-value span {
  color: var(--red);
  font-size: 12px;
}

/* 2×2 metric grid */
.hero__metrics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.hero__metric {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: 8px;
  padding: 12px 14px;
}
.hero__metric-label {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 3px;
}
.hero__metric-val {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
}
.hero__metric-val .up {
  color: #4ade80;
  font-size: 11px;
  font-weight: 500;
  margin-left: 3px;
}
.hero__metric-val .neu {
  color: rgba(255, 255, 255, 0.4);
  font-size: 11px;
  font-weight: 500;
  margin-left: 3px;
}

/* floating cards */
.hero__float {
  position: absolute;
  background: var(--white);
  border-radius: 10px;
  padding: 14px 18px;
  box-shadow: var(--shadow-md);
  z-index: 3;
  animation: heroFloat 4s ease-in-out infinite;
}
.hero__float.f1 {
  top: -22px;
  right: -22px;
  animation-delay: 0s;
}
.hero__float.f2 {
  bottom: -18px;
  left: -18px;
  animation-delay: 1.5s;
}
@keyframes heroFloat {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}
.hero__float-label {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--gray-500);
  margin-bottom: 4px;
}
.hero__float-val {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--black);
  line-height: 1;
}
.hero__float-val span {
  color: var(--red);
  font-size: 13px;
}
.hero__float-sub {
  font-size: 11px;
  color: var(--gray-500);
  margin-top: 3px;
}

/* ────────────────────────────────────────────────────────────
   WHY REAL ESTATE — WHITE
──────────────────────────────────────────────────────────── */
.rei-why {
  background: var(--white);
}

.rei-why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.rei-why-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 32px;
}
.reiwf-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 20px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: default;
}
.reiwf-card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--red);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.reiwf-card:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}
.reiwf-card:hover::after {
  transform: scaleX(1);
}
.reiwf-icon {
  width: 44px;
  height: 44px;
  background: rgba(200, 16, 46, 0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  font-size: 18px;
  margin-bottom: 14px;
  transition: var(--transition);
}
.reiwf-card:hover .reiwf-icon {
  background: var(--red);
  color: white;
}
.reiwf-title {
  font-size: 14px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 6px;
}
.reiwf-desc {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.65;
}

/* right: dark chart card */
.rei-why-visual {
  position: relative;
}
.rei-why-bg-block {
  position: absolute;
  top: -14px;
  left: -14px;
  right: 14px;
  bottom: 14px;
  background: var(--gray-50);
  border-radius: 12px;
  border: 1px solid var(--gray-200);
}
.rei-why-card {
  position: relative;
  z-index: 1;
  background: linear-gradient(135deg, var(--black), var(--black-2));
  border-radius: 12px;
  padding: 32px;
  box-shadow: var(--shadow-lg);
}
.reiwc-title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 24px;
}
.reiwc-row {
  margin-bottom: 16px;
}
.reiwc-row-top {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 6px;
}
.reiwc-row-top span:last-child {
  color: var(--red);
  font-weight: 700;
}
.reiwc-track {
  height: 8px;
  background: rgba(255, 255, 255, 0.07);
  border-radius: 4px;
  overflow: hidden;
}
.reiwc-fill {
  height: 100%;
  border-radius: 4px;
  background: linear-gradient(90deg, var(--red-dark), var(--red));
  width: 0;
  transition: width 1.6s cubic-bezier(0.4, 0, 0.2, 1);
}
.reiwc-fill.animated {
  width: var(--w);
}
.reiwc-footer {
  display: flex;
  gap: 24px;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}
.reiwc-stat-num {
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--red);
  line-height: 1;
}
.reiwc-stat-label {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.4);
  margin-top: 4px;
}

.rei-badge-float {
  position: absolute;
  z-index: 2;
  background: var(--white);
  border-radius: 10px;
  padding: 14px 18px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
}
.rei-badge-float.f1 {
  bottom: -18px;
  right: -18px;
}
.rei-badge-float.f2 {
  top: -18px;
  right: 36px;
}
.reibf-inner {
  display: flex;
  align-items: center;
  gap: 10px;
}
.reibf-icon {
  width: 36px;
  height: 36px;
  background: rgba(200, 16, 46, 0.09);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  font-size: 16px;
}
.reibf-num {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--black);
}
.reibf-label {
  font-size: 11px;
  color: var(--gray-500);
}

/* ────────────────────────────────────────────────────────────
   PROPERTY TYPES — GRAY-50
──────────────────────────────────────────────────────────── */
.rei-types {
  background: var(--gray-50);
}
.rei-types .section-title {
  color: var(--black);
}

.types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--gray-200);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  overflow: hidden;
  margin-top: 16px;
}
.type-card {
  background: var(--white);
  padding: 30px 26px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: default;
}
.type-card::before {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--red);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.type-card:hover::before {
  transform: scaleX(1);
}
.type-card:hover {
  background: var(--gray-50);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  z-index: 1;
}
.type-card.featured-type {
  border-top: 3px solid var(--red);
}

.type-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 3px 10px;
  border-radius: 100px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.tag-resi {
  background: rgba(200, 16, 46, 0.08);
  color: var(--red);
}
.tag-comm {
  background: rgba(59, 130, 246, 0.1);
  color: #2563eb;
}
.tag-reit {
  background: rgba(168, 85, 247, 0.1);
  color: #7c3aed;
}
.tag-plot {
  background: rgba(234, 179, 8, 0.12);
  color: #b45309;
}
.tag-nri {
  background: rgba(34, 197, 94, 0.1);
  color: #16a34a;
}
.tag-frac {
  background: rgba(249, 115, 22, 0.1);
  color: #c2410c;
}

.type-icon {
  width: 52px;
  height: 52px;
  background: rgba(200, 16, 46, 0.08);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  font-size: 22px;
  margin-bottom: 16px;
  transition: var(--transition);
}
.type-card:hover .type-icon {
  background: var(--red);
  color: white;
  transform: scale(1.05);
}

.type-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 6px;
}
.type-subtitle {
  font-size: 13px;
  color: var(--gray-500);
  margin-bottom: 16px;
  line-height: 1.6;
}

/* returns strip */
.type-returns {
  display: flex;
  gap: 12px;
  padding: 12px 14px;
  background: var(--gray-50);
  border-radius: 6px;
  margin-bottom: 16px;
}
.type-ret-item {
}
.type-ret-label {
  font-size: 10px;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.type-ret-val {
  font-size: 13px;
  font-weight: 700;
  color: var(--black);
  margin-top: 2px;
}
.type-ret-val.good {
  color: #16a34a;
}
.type-ret-val.warn {
  color: #d97706;
}

.type-items {
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin-bottom: 16px;
}
.type-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--gray-700);
}
.type-item i {
  color: var(--red);
  font-size: 11px;
  flex-shrink: 0;
}

.type-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 13px;
  font-weight: 600;
  color: var(--red);
  opacity: 0;
  transition: opacity var(--transition);
}
.type-card:hover .type-link {
  opacity: 1;
}

/* ────────────────────────────────────────────────────────────
   MARKET INSIGHTS — WHITE (city comparison table)
──────────────────────────────────────────────────────────── */
.rei-market {
  background: var(--white);
}
.rei-market .section-title {
  color: var(--black);
}

.market-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  margin-top: 48px;
  align-items: start;
}

/* city cards */
.city-cards {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.city-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 20px;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  transition: var(--transition);
  cursor: default;
}
.city-card:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-sm);
  transform: translateX(4px);
}
.city-left {
  display: flex;
  align-items: center;
  gap: 12px;
}
.city-icon {
  width: 40px;
  height: 40px;
  background: rgba(200, 16, 46, 0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  font-size: 16px;
  flex-shrink: 0;
  transition: var(--transition);
}
.city-card:hover .city-icon {
  background: var(--red);
  color: white;
}
.city-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--black);
}
.city-type {
  font-size: 12px;
  color: var(--gray-500);
  margin-top: 2px;
}
.city-right {
  text-align: right;
}
.city-price {
  font-size: 14px;
  font-weight: 700;
  color: var(--black);
}
.city-growth {
  font-size: 12px;
  font-weight: 700;
  margin-top: 2px;
}
.city-growth.up {
  color: #16a34a;
}
.city-growth.mid {
  color: #d97706;
}

/* right: dark insight panel */
.market-insight-panel {
  background: linear-gradient(135deg, var(--black), var(--black-2));
  border-radius: 12px;
  padding: 32px;
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: calc(var(--nav-h) + 24px);
}
.mip-title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 20px;
}

/* mini trend chart */
.mip-chart {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 70px;
  margin-bottom: 20px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
  padding-bottom: 12px;
}
.mip-bar {
  flex: 1;
  background: rgba(200, 16, 46, 0.2);
  border-radius: 3px 3px 0 0;
  animation: growBar 1.2s cubic-bezier(0.4, 0, 0.2, 1) both;
  transform-origin: bottom;
}
.mip-bar.hi {
  background: var(--red);
}
.mip-bar:nth-child(1) {
  animation-delay: 0.04s;
}
.mip-bar:nth-child(2) {
  animation-delay: 0.08s;
}
.mip-bar:nth-child(3) {
  animation-delay: 0.12s;
}
.mip-bar:nth-child(4) {
  animation-delay: 0.16s;
}
.mip-bar:nth-child(5) {
  animation-delay: 0.2s;
}
.mip-bar:nth-child(6) {
  animation-delay: 0.24s;
}
.mip-bar:nth-child(7) {
  animation-delay: 0.28s;
}
.mip-bar:nth-child(8) {
  animation-delay: 0.32s;
}
.mip-bar:nth-child(9) {
  animation-delay: 0.36s;
}
.mip-bar:nth-child(10) {
  animation-delay: 0.4s;
}
@keyframes growBar {
  from {
    transform: scaleY(0);
  }
  to {
    transform: scaleY(1);
  }
}

.mip-label {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.35);
  margin-bottom: 16px;
  text-align: center;
}

.mip-stats {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.mip-stat-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 14px;
  background: rgba(255, 255, 255, 0.04);
  border-radius: 6px;
}
.mip-stat-name {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.65);
}
.mip-stat-value {
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
}
.mip-stat-value.red {
  color: var(--red);
}
.mip-stat-value.green {
  color: #4ade80;
}

.mip-source {
  margin-top: 16px;
  font-size: 11px;
  color: rgba(255, 255, 255, 0.25);
  text-align: right;
}

/* ────────────────────────────────────────────────────────────
   INVESTMENT PROCESS — DARK
──────────────────────────────────────────────────────────── */
.rei-process {
  background: var(--black);
}
.rei-process .section-title {
  color: var(--white);
}
.rei-process .section-sub {
  color: rgba(255, 255, 255, 0.5);
}
.rei-process .section-label {
  color: var(--red);
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  position: relative;
  margin-top: 16px;
}
.process-steps::before {
  content: "";
  position: absolute;
  top: 28px;
  left: 10%;
  right: 10%;
  height: 1px;
  background: rgba(255, 255, 255, 0.08);
}
.process-step {
  padding: 0 16px;
  text-align: center;
  position: relative;
}
.process-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.04);
  border: 2px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.3);
  margin: 0 auto 20px;
  position: relative;
  z-index: 1;
  transition: var(--transition);
}
.process-step:hover .process-num,
.process-step.active .process-num {
  background: var(--red);
  border-color: var(--red);
  color: white;
  box-shadow: 0 0 0 8px rgba(200, 16, 46, 0.14);
}
.process-step h4 {
  font-size: 14px;
  font-weight: 700;
  color: white;
  margin-bottom: 8px;
}
.process-step p {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.42);
  line-height: 1.7;
}

/* ────────────────────────────────────────────────────────────
   CALC STRIP — RED
──────────────────────────────────────────────────────────── */
.calc-strip {
  background: linear-gradient(135deg, var(--red-dark) 0%, var(--red) 100%);
  padding: 56px 0;
}
.calc-strip-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 40px;
}
.calc-strip__title {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 8px;
}
.calc-strip__desc {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.82);
  max-width: 520px;
  line-height: 1.75;
}

/* ────────────────────────────────────────────────────────────
   RISK VS RETURN — GRAY-50
──────────────────────────────────────────────────────────── */
.rei-risk {
  background: var(--gray-50);
}
.rei-risk .section-title {
  color: var(--black);
}

.risk-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 16px;
}
.risk-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 28px 22px;
  position: relative;
  overflow: hidden;
  transition: var(--transition);
  cursor: default;
}
.risk-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--red);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.risk-card:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.risk-card:hover::before {
  transform: scaleX(1);
}

.risk-type {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 10px;
}
.risk-icon {
  width: 48px;
  height: 48px;
  background: rgba(200, 16, 46, 0.08);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  font-size: 20px;
  margin-bottom: 14px;
  transition: var(--transition);
}
.risk-card:hover .risk-icon {
  background: var(--red);
  color: white;
}
.risk-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 8px;
}

/* risk meter */
.risk-meter {
  margin: 14px 0;
}
.risk-meter-label {
  font-size: 11px;
  color: var(--gray-500);
  margin-bottom: 5px;
}
.risk-meter-track {
  height: 6px;
  background: var(--gray-100);
  border-radius: 3px;
  overflow: hidden;
}
.risk-meter-fill {
  height: 100%;
  border-radius: 3px;
  width: 0;
  transition: width 1.4s cubic-bezier(0.4, 0, 0.2, 1) 0.3s;
}
.risk-meter-fill.animated {
  width: var(--w);
}
.risk-meter-fill.low {
  background: #22c55e;
}
.risk-meter-fill.mid {
  background: #eab308;
}
.risk-meter-fill.high {
  background: var(--red);
}

.risk-desc {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.7;
}
.risk-returns {
  margin-top: 14px;
  display: flex;
  gap: 16px;
}
.risk-ret-item {
}
.risk-ret-label {
  font-size: 10px;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.risk-ret-val {
  font-size: 14px;
  font-weight: 700;
  color: var(--black);
  margin-top: 2px;
}

/* ────────────────────────────────────────────────────────────
   TESTIMONIALS — WHITE
──────────────────────────────────────────────────────────── */
.rei-testimonials {
  background: var(--white);
}
.rei-testimonials .section-title {
  color: var(--black);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testi-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 28px;
  transition: var(--transition);
}
.testi-card:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.testi-stars {
  color: var(--red);
  font-size: 13px;
  letter-spacing: 2px;
  margin-bottom: 14px;
}
.testi-quote {
  font-family: var(--font-display);
  font-size: 3rem;
  color: rgba(200, 16, 46, 0.12);
  line-height: 1;
  margin-bottom: 4px;
}
.testi-text {
  font-size: 14px;
  line-height: 1.8;
  color: var(--gray-700);
  margin-bottom: 20px;
  font-style: italic;
}
.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testi-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--red), var(--red-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}
.testi-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--black);
}
.testi-role {
  font-size: 12px;
  color: var(--gray-500);
  margin-top: 2px;
}

/* ────────────────────────────────────────────────────────────
   FAQ — GRAY-50
──────────────────────────────────────────────────────────── */
.rei-faq {
  background: var(--gray-50);
}

.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 80px;
  align-items: start;
}
.faq-intro {
  position: sticky;
  top: calc(var(--nav-h) + 24px);
}
.faq-intro-cta {
  margin-top: 28px;
}
.faq-list {
  display: flex;
  flex-direction: column;
}
.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 20px 4px;
  cursor: pointer;
  transition: color var(--transition);
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  font-family: var(--font-body);
}
/* ────────────────────────────────────────────────────────────
   CTA BAND — DARK
──────────────────────────────────────────────────────────── */
.rei-cta {
  background: linear-gradient(
    135deg,
    var(--black) 0%,
    #1a0608 50%,
    var(--black) 100%
  );
  padding: 80px 0;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(200, 16, 46, 0.18);
}
.rei-cta::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200, 16, 46, 0.12), transparent 65%);
  pointer-events: none;
}
.rei-cta-inner {
  position: relative;
  z-index: 1;
  text-align: center;
}
.cta-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: white;
  margin-bottom: 16px;
}
.cta-title span {
  color: var(--red);
}
.cta-desc {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.5);
  margin: 0 auto 36px;
  max-width: 520px;
  line-height: 1.8;
}
.cta-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}
.cta-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  margin-top: 36px;
}
.ct-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.4);
  font-size: 13px;
}
.ct-item i {
  color: var(--red);
}

.btn-primary{
    border: 2px solid var(--red);
}

/* ────────────────────────────────────────────────────────────
   RELATED SERVICES — WHITE
──────────────────────────────────────────────────────────── */
.rei-related {
  background: var(--white);
}
.rei-related .section-title {
  color: var(--black);
}

.related-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.rel-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 24px;
  transition: var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
  text-decoration: none;
  display: block;
}
.rel-card::before {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--red);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.rel-card:hover::before {
  transform: scaleX(1);
}
.rel-card:hover {
  border-color: var(--red);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.rc-icon {
  width: 44px;
  height: 44px;
  background: rgba(200, 16, 46, 0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  font-size: 18px;
  margin-bottom: 14px;
  transition: var(--transition);
}
.rel-card:hover .rc-icon {
  background: var(--red);
  color: white;
}
.rel-card h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 6px;
}
.rel-card p {
  font-size: 12.5px;
  color: var(--gray-500);
  line-height: 1.65;
}
.rc-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 12px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--red);
  opacity: 0;
  transition: opacity var(--transition);
}
.rel-card:hover .rc-link {
  opacity: 1;
}

/* ────────────────────────────────────────────────────────────
   RESPONSIVE
──────────────────────────────────────────────────────────── */
@media (max-width: 1100px) {
  .sh-content {
    gap: 48px;
  }
  .types-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .market-layout {
    grid-template-columns: 1fr;
  }
  .market-insight-panel {
    position: static;
  }
  .risk-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .testimonials-grid {
    grid-template-columns: 1fr 1fr;
  }
  .related-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .process-steps {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
  .process-steps::before {
    display: none;
  }
}
@media (max-width: 900px) {
  .service-hero {
    padding: 80px 0 60px;
  }
  .sh-content {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero__visual {
    display: none;
  }
  .rei-why-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .faq-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .faq-intro {
    position: static;
  }
  .calc-strip-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .calc-strip__desc {
    max-width: 100%;
  }
}
@media (max-width: 640px) {
  .hero__stats > div {
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }
  .hero__stats > div:last-child {
    border-bottom: none;
  }
  .hero__stats {
    flex-direction: column;
  }
  .hero__actions {
    flex-direction: column;
  }
  .hero__actions .btn {
    width: 100%;
    justify-content: center;
  }
  .rei-why-features {
    grid-template-columns: 1fr;
  }
  .types-grid {
    grid-template-columns: 1fr;
  }
  .risk-grid {
    grid-template-columns: 1fr;
  }
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
  .related-grid {
    grid-template-columns: 1fr 1fr;
  }
  .process-steps {
    grid-template-columns: 1fr 1fr;
  }
  .cta-actions {
    flex-direction: column;
    align-items: center;
  }
  .cta-actions .btn {
    width: 100%;
    max-width: 320px;
    justify-content: center;
  }
}