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

.sh-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 65% 70% at 62% 45%, rgba(200, 16, 46, 0.15) 0%, transparent 65%),
        radial-gradient(ellipse 35% 45% at 8% 85%, rgba(200, 16, 46, 0.07) 0%, transparent 55%),
        radial-gradient(ellipse 50% 40% at 90% 10%, rgba(255, 180, 0, 0.04) 0%, transparent 50%)
}

.sh-grid {
    position: absolute;
    inset: 0;
    background-image: linear-gradient(rgba(255, 255, 255, .025) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .025) 1px, transparent 1px);
    background-size: 56px 56px
}

.sh-line {
    position: absolute;
    top: 0;
    right: 20%;
    width: 1px;
    height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(200, 16, 46, .25), transparent)
}

.sh-line2 {
    position: absolute;
    top: 0;
    right: 36%;
    width: 1px;
    height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(255, 255, 255, .04), transparent)
}

/* floating orbit rings */
.sh-orbit {
    position: absolute;
    border-radius: 50%;
    border: 1px solid rgba(200, 16, 46, .08);
    pointer-events: none
}

.sh-orbit-1 {
    width: 500px;
    height: 500px;
    right: -150px;
    top: -150px;
    animation: orbitSpin 30s linear infinite
}

.sh-orbit-2 {
    width: 350px;
    height: 350px;
    right: -75px;
    top: -75px;
    animation: orbitSpin 20s linear infinite reverse;
    border-color: rgba(255, 255, 255, .04)
}

@keyframes orbitSpin {
    from {
        transform: rotate(0deg)
    }

    to {
        transform: rotate(360deg)
    }
}

.sh-content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center
}

.sh-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(200, 16, 46, .15);
    border: 1px solid rgba(200, 16, 46, .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
}

.sh-title {
    font-family: var(--font-display);
    font-size: clamp(2.6rem, 5vw, 3.8rem);
    font-weight: 900;
    color: var(--white);
    line-height: 1.05;
    margin-bottom: 18px
}

.sh-title em {
    color: var(--red);
    font-style: normal;
    display: block
}

.sh-desc {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, .6);
    max-width: 460px;
    line-height: 1.85;
    margin-bottom: 36px
}

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

.sh-quick-stats {
    display: flex;
    gap: 0;
    border: 1px solid rgba(255, 255, 255, .08);
    border-radius: 8px;
    overflow: hidden
}

.sh-qs {
    padding: 14px 22px;
    text-align: center;
    border-right: 1px solid rgba(255, 255, 255, .08);
    flex: 1
}

.sh-qs:last-child {
    border-right: none
}

.sh-qs-num {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: white
}

.sh-qs-num span {
    color: var(--red)
}

.sh-qs-label {
    font-size: 11px;
    color: rgba(255, 255, 255, .4);
    margin-top: 2px
}

/* HERO CARD — Retirement Corpus Timeline */
.sh-right {
    position: relative
}

.sh-card {
    background: rgba(255, 255, 255, .05);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255, 255, 255, .10);
    border-radius: 14px;
    padding: 28px;
    box-shadow: 0 32px 80px rgba(0, 0, 0, .45)
}

.sh-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 20px
}

.sh-card-label {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .5)
}

.sh-card-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    background: rgba(74, 222, 128, .12);
    color: #4ade80;
    font-size: 12px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 6px
}

.sh-card-badge span {
    width: 6px;
    height: 6px;
    background: #4ade80;
    border-radius: 50%;
    animation: pulseDot 2s infinite
}

@keyframes pulseDot {

    0%,
    100% {
        transform: scale(1);
        opacity: 1
    }

    50% {
        transform: scale(1.5);
        opacity: .5
    }
}

/* Corpus growth timeline bars */
.corpus-timeline {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 20px
}

.ct-row {
    display: grid;
    grid-template-columns: 60px 1fr 70px;
    gap: 10px;
    align-items: center
}

.ct-age {
    font-size: 11px;
    font-weight: 700;
    color: rgba(255, 255, 255, .5);
    text-align: right
}

.ct-bar-bg {
    height: 14px;
    background: rgba(255, 255, 255, .06);
    border-radius: 7px;
    overflow: hidden;
    position: relative
}

.ct-bar-fill {
    height: 100%;
    border-radius: 7px;
    position: relative;
    animation: barGrow 1.4s var(--ease) both
}

.ct-bar-fill::after {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    bottom: 0;
    width: 30%;
    background: rgba(255, 255, 255, .15);
    border-radius: 0 7px 7px 0
}

@keyframes barGrow {
    from {
        width: 0 !important
    }

    to {}
}

.ct-row:nth-child(1) .ct-bar-fill {
    animation-delay: .1s
}

.ct-row:nth-child(2) .ct-bar-fill {
    animation-delay: .2s
}

.ct-row:nth-child(3) .ct-bar-fill {
    animation-delay: .3s
}

.ct-row:nth-child(4) .ct-bar-fill {
    animation-delay: .4s
}

.ct-row:nth-child(5) .ct-bar-fill {
    animation-delay: .5s
}

.ct-row:nth-child(6) .ct-bar-fill {
    animation-delay: .6s
}

.ct-corpus {
    font-size: 11.5px;
    font-weight: 700;
    color: white;
    text-align: right
}

.sh-divider {
    height: 1px;
    background: rgba(255, 255, 255, .07);
    margin: 16px 0
}

.sh-metrics {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px
}

.sh-metric {
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(255, 255, 255, .07);
    border-radius: 8px;
    padding: 12px 14px
}

.sh-metric-label {
    font-size: 11px;
    color: rgba(255, 255, 255, .4);
    margin-bottom: 4px
}

.sh-metric-val {
    font-family: var(--font-display);
    font-size: 1.2rem;
    font-weight: 700;
    color: white
}

.sh-metric-val .up {
    color: #4ade80;
    font-size: 11px;
    font-weight: 500;
    margin-left: 3px
}

.sh-metric-val .neu {
    color: rgba(255, 255, 255, .4);
    font-size: 11px;
    font-weight: 400;
    margin-left: 2px
}

.sh-float {
    position: absolute;
    background: white;
    border-radius: 10px;
    padding: 14px 18px;
    box-shadow: var(--shadow-md);
    z-index: 3
}

.sh-float.f1 {
    top: -20px;
    right: -20px
}

.sh-float.f2 {
    bottom: -18px;
    left: -20px
}

.sf-label {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--gray-500);
    margin-bottom: 4px
}

.sf-val {
    font-family: var(--font-display);
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--black);
    line-height: 1
}

.sf-val span {
    color: var(--red);
    font-size: 12px
}

.sf-sub {
    font-size: 11px;
    color: var(--gray-500);
    margin-top: 3px
}

.sf-icon-row {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 6px
}

.sf-icon {
    width: 28px;
    height: 28px;
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    background: rgba(200, 16, 46, .1);
    color: var(--red)
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px)
    }

    to {
        opacity: 1;
        transform: translateY(0)
    }
}

.sh-tag {
    animation: fadeInUp .55s ease both
}

.sh-title {
    animation: fadeInUp .65s .08s ease both
}

.sh-desc {
    animation: fadeInUp .65s .16s ease both
}

.sh-actions {
    animation: fadeInUp .65s .24s ease both
}

.sh-quick-stats {
    animation: fadeInUp .65s .32s ease both
}

/* ============================================================
   RETIREMENT REALITY CHECK  (Unique section)
============================================================ */
.reality-check {
    background: var(--gray-50)
}

.rc-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 80px;
    align-items: center
}

.rc-left {}

.rc-label-line {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 20px
}

.rc-label-line::after {
    content: '';
    flex: 1;
    height: 1px;
    background: var(--gray-200)
}

.rc-body {
    font-size: 15px;
    color: var(--gray-700);
    line-height: 1.9
}

.rc-body p {
    margin-bottom: 18px
}

.rc-body strong {
    color: var(--black);
    font-weight: 600
}

.rc-highlight {
    border-left: 3px solid var(--red);
    padding: 16px 20px;
    background: rgba(200, 16, 46, .04);
    border-radius: 0 6px 6px 0;
    margin: 24px 0;
    font-family: var(--font-display);
    font-size: 1.05rem;
    font-style: italic;
    color: var(--black-2);
    line-height: 1.7
}

/* Inflation erosion cards */
.erosion-cards {
    display: flex;
    flex-direction: column;
    gap: 14px
}

.erosion-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 20px 24px;
    transition: var(--transition);
    cursor: default
}

.erosion-card:hover {
    border-color: var(--red);
    box-shadow: var(--shadow-sm)
}

.ec-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 12px
}

.ec-label {
    font-size: 13px;
    font-weight: 700;
    color: var(--black)
}

.ec-badge {
    font-size: 11px;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 100px
}

.ec-badge.warn {
    background: rgba(234, 179, 8, .12);
    color: #b45309
}

.ec-badge.danger {
    background: rgba(200, 16, 46, .10);
    color: var(--red)
}

.ec-badge.ok {
    background: rgba(74, 222, 128, .10);
    color: #15803d
}

.ec-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 6px
}

.ec-year {
    font-size: 12px;
    color: var(--gray-500)
}

.ec-val {
    font-size: 13px;
    font-weight: 700;
    color: var(--black)
}

.ec-bar-bg {
    height: 8px;
    background: var(--gray-100);
    border-radius: 4px;
    overflow: hidden;
    margin-bottom: 4px
}

.ec-bar-fill {
    height: 100%;
    border-radius: 4px;
    transition: width .6s var(--ease)
}

/* ============================================================
   RETIREMENT PHASES
============================================================ */
.phases {
    background: var(--white)
}

.phases-timeline {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0
}

.phases-timeline::before {
    content: '';
    position: absolute;
    top: 36px;
    left: 0;
    right: 0;
    height: 2px;
    background: var(--gray-200);
    z-index: 0
}

.phase-card {
    position: relative;
    z-index: 1;
    padding: 0 20px;
    text-align: center
}

.phase-dot {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    margin: 0 auto 20px;
    border: 3px solid white;
    box-shadow: 0 0 0 3px var(--gray-200);
    transition: var(--transition);
    cursor: default
}

.phase-card:hover .phase-dot {
    box-shadow: 0 0 0 3px var(--red), 0 8px 24px rgba(200, 16, 46, .2);
    transform: scale(1.08)
}

.phase-1 .phase-dot {
    background: linear-gradient(135deg, #f0f9ff, #dbeafe)
}

.phase-2 .phase-dot {
    background: linear-gradient(135deg, #fefce8, #fef08a)
}

.phase-3 .phase-dot {
    background: linear-gradient(135deg, #fef2f2, #fecaca)
}

.phase-4 .phase-dot {
    background: linear-gradient(135deg, #f0fdf4, #bbf7d0)
}

.phase-age {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--red);
    margin-bottom: 8px;
    background: rgba(200, 16, 46, .07);
    padding: 3px 10px;
    border-radius: 100px
}

.phase-card h4 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--black)
}

.phase-card p {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.7
}

.phase-action {
    margin-top: 14px;
    font-size: 12.5px;
    font-weight: 600;
    color: var(--red);
    display: flex;
    align-items: center;
    gap: 5px;
    justify-content: center
}

/* ============================================================
   RETIREMENT INSTRUMENTS
============================================================ */
.instruments {
    background: var(--gray-50)
}

.inst-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px
}

.inst-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    overflow: hidden;
    transition: var(--transition);
    cursor: default
}

.inst-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--red)
}

.inst-header {
    padding: 20px 24px;
    display: flex;
    align-items: center;
    gap: 14px;
    border-bottom: 1px solid var(--gray-100)
}

.inst-icon {
    width: 48px;
    height: 48px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    flex-shrink: 0;
    transition: var(--transition)
}

.inst-card:hover .inst-icon {
    transform: scale(1.08)
}

.inst-name {
    font-size: 15px;
    font-weight: 700;
    color: var(--black)
}

.inst-type {
    font-size: 11px;
    color: var(--gray-500);
    margin-top: 2px
}

.inst-body {
    padding: 20px 24px
}

.inst-desc {
    font-size: 13.5px;
    color: var(--gray-500);
    line-height: 1.7;
    margin-bottom: 14px
}

.inst-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    margin-bottom: 14px
}

.is-item {
    background: var(--gray-50);
    border-radius: 6px;
    padding: 10px 12px
}

.is-label {
    font-size: 11px;
    color: var(--gray-500);
    margin-bottom: 2px
}

.is-val {
    font-size: 13px;
    font-weight: 700;
    color: var(--black)
}

.is-val.green {
    color: #15803d
}

.is-val.red {
    color: var(--red)
}

.inst-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 6px
}

.inst-tag {
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .5px;
    padding: 3px 10px;
    border-radius: 100px
}

.it-green {
    background: rgba(74, 222, 128, .10);
    color: #15803d
}

.it-yellow {
    background: rgba(234, 179, 8, .10);
    color: #b45309
}

.it-red {
    background: rgba(200, 16, 46, .10);
    color: var(--red)
}

.it-gray {
    background: var(--gray-100);
    color: var(--gray-700)
}

/* ============================================================
   CORPUS CALCULATOR — interactive
============================================================ */
.calc-section {
    background: var(--white)
}

.calc-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start
}

.calc-form {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 36px
}

.calc-title {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 6px
}

.calc-sub {
    font-size: 13.5px;
    color: var(--gray-500);
    margin-bottom: 28px
}

.calc-field {
    margin-bottom: 20px
}

.calc-label {
    font-size: 12.5px;
    font-weight: 600;
    color: var(--black-2);
    margin-bottom: 6px;
    display: flex;
    justify-content: space-between;
    align-items: center
}

.calc-label span {
    font-size: 14px;
    font-weight: 700;
    color: var(--red)
}

.range-input {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 6px;
    border-radius: 3px;
    background: var(--gray-200);
    outline: none;
    cursor: pointer
}

.range-input::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--red);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(200, 16, 46, .3);
    transition: transform .15s
}

.range-input::-webkit-slider-thumb:hover {
    transform: scale(1.2)
}

.calc-result {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 12px;
    padding: 36px;
    position: sticky;
    top: calc(var(--nav-h) + 24px)
}

.cr-label {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gray-500);
    margin-bottom: 8px
}

.cr-big {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 900;
    color: var(--black);
    line-height: 1;
    margin-bottom: 4px
}

.cr-big span {
    color: var(--red)
}

.cr-sub {
    font-size: 13px;
    color: var(--gray-500);
    margin-bottom: 28px
}

.cr-breakdown {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 28px
}

.crb-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 16px;
    border-radius: 6px;
    border: 1px solid var(--gray-100)
}

.crb-label {
    font-size: 13px;
    color: var(--gray-700);
    display: flex;
    align-items: center;
    gap: 8px
}

.crb-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    flex-shrink: 0
}

.crb-val {
    font-size: 14px;
    font-weight: 700;
    color: var(--black)
}

/* mini donut via conic-gradient */
.cr-donut {
    width: 120px;
    height: 120px;
    border-radius: 50%;
    margin: 0 auto 20px;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center
}

.cr-donut-inner {
    text-align: center
}

.cr-donut-inner .d-pct {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--black);
    line-height: 1
}

.cr-donut-inner .d-label {
    font-size: 10px;
    color: var(--gray-500)
}

.disclaimer-sm {
    font-size: 11.5px;
    color: var(--gray-500);
    line-height: 1.7;
    padding: 12px;
    background: var(--gray-50);
    border-radius: 6px;
    border: 1px solid var(--gray-100)
}

/* ============================================================
   PROCESS — 6 STEPS
============================================================ */
.rp-process {
    background: var(--black)
}

.rp-steps {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 0;
    position: relative
}

.rp-steps::before {
    content: '';
    position: absolute;
    top: 28px;
    left: calc(100%/12);
    right: calc(100%/12);
    height: 1px;
    background: rgba(255, 255, 255, .08);
    pointer-events: none
}

.rp-step {
    padding: 0 12px;
    text-align: center
}

.rp-num {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .05);
    border: 2px solid rgba(255, 255, 255, .10);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 18px;
    font-weight: 700;
    color: rgba(255, 255, 255, .3);
    transition: var(--transition);
    margin: 0 auto 20px;
    cursor: default;
    position: relative;
    z-index: 1
}

.rp-step:hover .rp-num,
.rp-step.active .rp-num {
    background: var(--red);
    border-color: var(--red);
    color: white;
    box-shadow: 0 0 0 8px rgba(200, 16, 46, .12)
}

.rp-step h4 {
    font-size: 13px;
    font-weight: 700;
    color: rgba(255, 255, 255, .85);
    margin-bottom: 8px
}

.rp-step p {
    font-size: 12px;
    color: rgba(255, 255, 255, .38);
    line-height: 1.65
}

/* ============================================================
   WHO IS IT FOR
============================================================ */
.for-whom {
    background: var(--gray-50)
}

.fw-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px
}

.fw-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 10px;
    padding: 28px;
    transition: var(--transition);
    cursor: default;
    position: relative;
    overflow: hidden
}

.fw-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--red);
    transform: scaleX(0);
    transition: transform .3s
}

.fw-card:hover::after {
    transform: scaleX(1)
}

.fw-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px)
}

.fw-emoji {
    font-size: 36px;
    margin-bottom: 16px
}

.fw-card h3 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--black)
}

.fw-card p {
    font-size: 13.5px;
    color: var(--gray-500);
    line-height: 1.75;
    margin-bottom: 16px
}

.fw-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 6px
}

.fw-tag {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: .5px;
    background: rgba(200, 16, 46, .07);
    color: var(--red);
    padding: 3px 10px;
    border-radius: 100px
}

/* ============================================================
   CASE STUDY
============================================================ */
.case-study {
    background: var(--white)
}

.cs-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start
}

.cs-card {
    background: var(--black);
    border-radius: 12px;
    overflow: hidden
}

.cs-header {
    background: var(--red);
    padding: 24px 28px;
    display: flex;
    align-items: center;
    gap: 16px
}

.cs-avatar {
    width: 52px;
    height: 52px;
    background: rgba(255, 255, 255, .2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 20px;
    font-weight: 700;
    color: white;
    flex-shrink: 0
}

.cs-name {
    font-size: 16px;
    font-weight: 700;
    color: white
}

.cs-role {
    font-size: 12px;
    color: rgba(255, 255, 255, .7);
    margin-top: 2px
}

.cs-body {
    padding: 28px
}

.cs-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 20px
}

.cs-stat {
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(255, 255, 255, .07);
    border-radius: 8px;
    padding: 14px
}

.cs-stat-label {
    font-size: 11px;
    color: rgba(255, 255, 255, .4);
    margin-bottom: 4px
}

.cs-stat-val {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 700;
    color: white
}

.cs-stat-val.green {
    color: #4ade80
}

.cs-quote {
    font-size: 13.5px;
    color: rgba(255, 255, 255, .55);
    line-height: 1.8;
    font-style: italic;
    border-left: 3px solid var(--red);
    padding-left: 14px
}

.cs-timeline {
    display: flex;
    flex-direction: column;
    gap: 0
}

.cst-item {
    display: flex;
    gap: 16px;
    padding: 20px 0;
    border-bottom: 1px solid var(--gray-100)
}

.cst-item:last-child {
    border-bottom: none
}

.cst-dot-col {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0;
    flex-shrink: 0
}

.cst-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: var(--red);
    flex-shrink: 0;
    margin-top: 4px
}

.cst-line {
    width: 1px;
    background: var(--gray-200);
    flex: 1;
    margin-top: 4px
}

.cst-item:last-child .cst-line {
    display: none
}

.cst-year {
    font-size: 12px;
    font-weight: 700;
    color: var(--red);
    margin-bottom: 4px
}

.cst-title {
    font-size: 14px;
    font-weight: 700;
    color: var(--black);
    margin-bottom: 4px
}

.cst-desc {
    font-size: 13px;
    color: var(--gray-500);
    line-height: 1.6
}

/* ============================================================
   FAQ
============================================================ */
.faq-section {
    background: var(--gray-50)
}

.faq-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 80px;
    align-items: start
}

.faq-intro {
    position: sticky;
    top: calc(var(--nav-h) + 24px)
}

.faq-list {
    display: flex;
    flex-direction: column;
    gap: 0
}

.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 .2s
}

.faq-q:hover {
    color: var(--red)
}

.faq-q span {
    font-size: 15px;
    font-weight: 600
}

.faq-q i {
    font-size: 12px;
    color: var(--red);
    transition: transform .3s;
    flex-shrink: 0
}

.faq-item.open .faq-q i {
    transform: rotate(45deg)
}

.faq-a {
    font-size: 14px;
    color: var(--gray-500);
    line-height: 1.8;
    padding: 0 4px 20px;
    display: none
}

.faq-item.open .faq-a {
    display: block
}

/* ============================================================
   CTA BAND
============================================================ */
.cta-band {
    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, .2)
}

.cta-band::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(200, 16, 46, .12), transparent 65%);
    pointer-events: none
}

.cta-content {
    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, .55);
    margin-bottom: 36px;
    max-width: 520px;
    margin-left: auto;
    margin-right: auto;
    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: 24px;
    flex-wrap: wrap;
    margin-top: 36px
}

.ct-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, .45);
    font-size: 13px
}

.ct-item i {
    color: var(--red)
}

/* ============================================================
   RELATED SERVICES
============================================================ */
.related {
    background: var(--white)
}

.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
}

.rel-card::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--red);
    transform: scaleX(0);
    transition: transform .25s
}

.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, .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;
    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 .2s
}

.rel-card:hover .rc-link {
    opacity: 1
}

/* ============================================================
   RESPONSIVE
============================================================ */
@media(max-width:1100px) {
    .nav-links {
        gap: 0
    }

    .nav-link {
        padding: 0 10px;
        font-size: 13px
    }

    .rp-steps {
        grid-template-columns: repeat(3, 1fr)
    }

    .rp-steps::before {
        display: none
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr 1fr
    }

    .related-grid {
        grid-template-columns: repeat(2, 1fr)
    }

    .inst-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media(max-width:900px) {

    .nav-links,
    .nav-cta {
        display: none
    }

    .hamburger {
        display: flex
    }

    .sh-content {
        grid-template-columns: 1fr;
        gap: 48px
    }

    .sh-right {
        display: none
    }

    .rc-grid {
        grid-template-columns: 1fr
    }

    .phases-timeline {
        grid-template-columns: repeat(2, 1fr)
    }

    .phases-timeline::before {
        display: none
    }

    .calc-wrapper {
        grid-template-columns: 1fr
    }

    .calc-result {
        position: static
    }

    .cs-grid {
        grid-template-columns: 1fr
    }

    .faq-grid {
        grid-template-columns: 1fr
    }

    .faq-intro {
        position: static
    }

    .fw-grid {
        grid-template-columns: 1fr 1fr
    }

    .rp-steps {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media(max-width:640px) {
    :root {
        --nav-h: 64px
    }

    .section {
        padding: 64px 0
    }

    .fw-grid {
        grid-template-columns: 1fr
    }

    .related-grid {
        grid-template-columns: 1fr 1fr
    }

    .phases-timeline {
        grid-template-columns: 1fr
    }

    .inst-grid {
        grid-template-columns: 1fr
    }

    .sh-quick-stats {
        flex-wrap: wrap
    }

    .sh-qs {
        min-width: 100px
    }

    .topbar {
        display: none
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center
    }

    .cs-row {
        grid-template-columns: 1fr
    }
}

[data-aos] {
    pointer-events: none
}

[data-aos].aos-animate {
    pointer-events: auto
}