/* ============================================================
   TAX-EFFICIENT INVESTMENT — PAGE CSS
   WealthBridge Design System
   Sections:
     Hero (dark) → Why Tax Planning (white) → Tax Instruments (gray-50)
     → Section 80 Deep Dive (white) → Tax Calendar (dark)
     → Calc Strip (red) → Strategies (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 58% 80% at 66% 46%, rgba(200,16,46,0.18) 0%, transparent 65%),
        radial-gradient(ellipse 30% 38% at 3%  88%, 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: 24%;
    width: 1px; height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(200,16,46,0.26), transparent);
}
.sh-line2 {
    position: absolute;
    top: 0; right: 40%;
    width: 1px; height: 100%;
    background: linear-gradient(to bottom, transparent, rgba(255,255,255,0.04), transparent);
}

/* Decorative tax symbol watermark */
.sh-watermark {
    position: absolute;
    bottom: -20px; right: 4%;
    font-family: var(--font-display);
    font-size: 22rem;
    font-weight: 900;
    color: rgba(200,16,46,0.04);
    line-height: 1;
    pointer-events: none;
    user-select: none;
    letter-spacing: -0.05em;
}

.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(2.5rem, 4.6vw, 3.75rem);
    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 — Tax Savings Card ── */
.hero__visual { position: relative; }

.hero__card-main {
    background: rgba(255,255,255,0.05);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255,255,255,0.10);
    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;
}

/* Tax savings breakdown stacked bars */
.hero__tax-breakdown { margin-bottom: 20px; }
.htb-row { margin-bottom: 12px; }
.htb-top {
    display: flex; justify-content: space-between;
    align-items: center;
    font-size: 12px; margin-bottom: 5px;
}
.htb-section {
    color: rgba(255,255,255,0.55);
    font-weight: 500;
    display: flex; align-items: center; gap: 6px;
}
.htb-dot {
    width: 7px; height: 7px; border-radius: 50%;
    flex-shrink: 0;
}
.htb-amount { color: var(--white); font-weight: 700; font-size: 13px; }
.htb-track {
    height: 7px;
    background: rgba(255,255,255,0.07);
    border-radius: 4px; overflow: hidden;
}
.htb-fill {
    height: 100%; border-radius: 4px;
    width: 0;
    transition: width 1.5s cubic-bezier(.4,0,.2,1) .5s;
}
.htb-fill.animated { width: var(--w); }
.htb-fill.c1 { background: var(--red); }
.htb-fill.c2 { background: #f97316; }
.htb-fill.c3 { background: #eab308; }
.htb-fill.c4 { background: #22c55e; }
.htb-fill.c5 { background: #3b82f6; }

/* total saved row */
.hero__tax-total {
    display: flex; align-items: center;
    justify-content: space-between;
    padding: 14px 16px;
    background: rgba(200,16,46,0.12);
    border: 1px solid rgba(200,16,46,0.25);
    border-radius: 8px;
    margin-bottom: 16px;
}
.htt-label {
    font-size: 12px; font-weight: 600;
    color: rgba(255,255,255,0.7);
    text-transform: uppercase; letter-spacing: 0.08em;
}
.htt-value {
    font-family: var(--font-display);
    font-size: 1.5rem; font-weight: 700;
    color: var(--white);
}
.htt-value span { color: var(--red); }

/* 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 TAX PLANNING — WHITE
──────────────────────────────────────────────────────────── */
.tei-why { background: var(--white); }

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

.tei-why-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-top: 32px;
}
.teif-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;
}
.teif-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);
}
.teif-card:hover { border-color: var(--red); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.teif-card:hover::after { transform: scaleX(1); }
.teif-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);
}
.teif-card:hover .teif-icon { background: var(--red); color: white; }
.teif-title { font-size: 14px; font-weight: 700; color: var(--black); margin-bottom: 6px; }
.teif-desc  { font-size: 13px; color: var(--gray-500); line-height: 1.65; }

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

.tei-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);
}
.tei-badge-float.f1 { bottom: -18px; right: -18px; }
.tei-badge-float.f2 { top: -18px; right: 36px; }
.teibf-inner { display: flex; align-items: center; gap: 10px; }
.teibf-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;
}
.teibf-num { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; color: var(--black); }
.teibf-label { font-size: 11px; color: var(--gray-500); }

/* ────────────────────────────────────────────────────────────
   TAX INSTRUMENTS — GRAY-50
──────────────────────────────────────────────────────────── */
.tei-instruments { background: var(--gray-50); }
.tei-instruments .section-title { color: var(--black); }

.instruments-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;
}
.instr-card {
    background: var(--white);
    padding: 30px 26px;
    transition: var(--transition);
    position: relative; overflow: hidden;
    cursor: default;
}
.instr-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);
}
.instr-card:hover::before { transform: scaleX(1); }
.instr-card:hover { background: var(--gray-50); transform: translateY(-2px); box-shadow: var(--shadow-md); z-index: 1; }

.instr-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;
}
.instr-tag.tag-80c  { background: rgba(200,16,46,0.08); color: var(--red); }
.instr-tag.tag-80d  { background: rgba(34,197,94,0.10); color: #16a34a; }
.instr-tag.tag-80ccd{ background: rgba(59,130,246,0.10); color: #2563eb; }
.instr-tag.tag-ltcg { background: rgba(234,179,8,0.12); color: #b45309; }
.instr-tag.tag-hra  { background: rgba(168,85,247,0.10); color: #7c3aed; }
.instr-tag.tag-nri  { background: rgba(249,115,22,0.10); color: #c2410c; }

.instr-icon {
    width: 50px; height: 50px;
    background: rgba(200,16,46,0.08); border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    color: var(--red); font-size: 20px;
    margin-bottom: 16px; transition: var(--transition);
}
.instr-card:hover .instr-icon { background: var(--red); color: white; transform: scale(1.05); }

.instr-title   { font-size: 15px; font-weight: 700; color: var(--black); margin-bottom: 4px; }
.instr-section { font-size: 12px; font-weight: 600; color: var(--red); margin-bottom: 10px; }
.instr-desc    { font-size: 13px; color: var(--gray-500); line-height: 1.7; margin-bottom: 14px; }

.instr-limit {
    display: flex; align-items: center;
    justify-content: space-between;
    padding: 10px 14px;
    background: var(--gray-50);
    border-radius: 6px;
    font-size: 12px;
}
.instr-limit-label { color: var(--gray-500); }
.instr-limit-val   { font-weight: 700; color: var(--black); }

.instr-link {
    display: inline-flex; align-items: center; gap: 5px;
    font-size: 13px; font-weight: 600; color: var(--red);
    margin-top: 14px;
    opacity: 0; transition: opacity var(--transition);
}
.instr-card:hover .instr-link { opacity: 1; }

/* ────────────────────────────────────────────────────────────
   SECTION 80 DEEP DIVE — WHITE (two-column split)
──────────────────────────────────────────────────────────── */
.tei-80 { background: var(--white); }
.tei-80 .section-title { color: var(--black); }

.tei-80-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    margin-top: 48px;
}

.tei-80-col {}
.tei-80-col-head {
    display: flex; align-items: center; gap: 12px;
    margin-bottom: 24px; padding-bottom: 16px;
    border-bottom: 2px solid var(--gray-100);
}
.tei-80-col-icon {
    width: 44px; height: 44px;
    background: rgba(200,16,46,0.09); border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    color: var(--red); font-size: 18px; flex-shrink: 0;
}
.tei-80-col-title { font-size: 16px; font-weight: 700; color: var(--black); }
.tei-80-col-limit {
    font-size: 12px; font-weight: 700;
    color: var(--red); margin-top: 2px;
}

.tei-deduction-list { display: flex; flex-direction: column; gap: 12px; }
.tei-ded-item {
    display: flex; align-items: flex-start;
    justify-content: space-between; gap: 12px;
    padding: 14px 16px;
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    transition: var(--transition);
}
.tei-ded-item:hover { border-color: var(--red); box-shadow: var(--shadow-sm); }
.tei-ded-left {}
.tei-ded-name {
    font-size: 14px; font-weight: 600; color: var(--black); margin-bottom: 3px;
}
.tei-ded-desc { font-size: 12px; color: var(--gray-500); line-height: 1.5; }
.tei-ded-right { text-align: right; flex-shrink: 0; }
.tei-ded-amount {
    font-family: var(--font-display);
    font-size: 1.1rem; font-weight: 700; color: var(--red);
    white-space: nowrap;
}
.tei-ded-tag {
    display: inline-block;
    padding: 2px 7px;
    background: rgba(200,16,46,0.08);
    color: var(--red);
    font-size: 10px; font-weight: 700;
    border-radius: 4px; margin-top: 4px;
}

/* ────────────────────────────────────────────────────────────
   TAX CALENDAR — DARK
──────────────────────────────────────────────────────────── */
.tei-calendar { background: var(--black); }
.tei-calendar .section-title { color: var(--white); }
.tei-calendar .section-sub   { color: rgba(255,255,255,0.5); }
.tei-calendar .section-label { color: var(--red); }

.calendar-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-top: 16px;
}
.cal-card {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 10px;
    padding: 24px 20px;
    position: relative; overflow: hidden;
    transition: var(--transition);
    cursor: default;
}
.cal-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);
}
.cal-card:hover {
    background: rgba(200,16,46,0.08);
    border-color: rgba(200,16,46,0.25);
    transform: translateY(-3px);
}
.cal-card:hover::before { transform: scaleX(1); }
.cal-card.urgent {
    border-color: rgba(200,16,46,0.3);
    background: rgba(200,16,46,0.06);
}
.cal-card.urgent::before { transform: scaleX(1); }

.cal-quarter {
    font-size: 10px; font-weight: 700;
    letter-spacing: 1.5px; text-transform: uppercase;
    color: var(--red); margin-bottom: 8px;
}
.cal-months {
    font-family: var(--font-display);
    font-size: 1.2rem; font-weight: 700;
    color: var(--white); margin-bottom: 16px;
    line-height: 1;
}
.cal-tasks { display: flex; flex-direction: column; gap: 8px; }
.cal-task {
    display: flex; align-items: flex-start; gap: 8px;
    font-size: 12.5px; color: rgba(255,255,255,0.65); line-height: 1.5;
}
.cal-task::before {
    content: '';
    flex-shrink: 0;
    width: 5px; height: 5px;
    border-radius: 50%; background: var(--red);
    margin-top: 5px;
}
.cal-deadline {
    margin-top: 16px;
    padding: 8px 12px;
    background: rgba(255,255,255,0.04);
    border-radius: 6px;
    font-size: 11px;
    color: rgba(255,255,255,0.4);
}
.cal-deadline strong { color: var(--red); }

/* ────────────────────────────────────────────────────────────
   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;
}

/* ────────────────────────────────────────────────────────────
   INVESTMENT STRATEGIES — GRAY-50
──────────────────────────────────────────────────────────── */
.tei-strategies { background: var(--gray-50); }
.tei-strategies .section-title { color: var(--black); }

.strategies-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-top: 16px;
}
.strat-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;
}
.strat-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);
}
.strat-card:hover { border-color: var(--red); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.strat-card:hover::before { transform: scaleX(1); }

.strat-num {
    font-family: var(--font-display);
    font-size: 2.8rem; font-weight: 900;
    color: rgba(200,16,46,0.07);
    line-height: 1; margin-bottom: 4px;
}
.strat-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);
}
.strat-card:hover .strat-icon { background: var(--red); color: white; }

.strat-title { font-size: 15px; font-weight: 700; color: var(--black); margin-bottom: 8px; }
.strat-desc  { font-size: 13px; color: var(--gray-500); line-height: 1.7; }
.strat-items { margin-top: 14px; display: flex; flex-direction: column; gap: 6px; }
.strat-item  {
    display: flex; align-items: center; gap: 7px;
    font-size: 12.5px; color: var(--gray-700);
}
.strat-item::before {
    content: '';
    flex-shrink: 0;
    width: 5px; height: 5px;
    border-radius: 50%; background: var(--red);
}

/* ────────────────────────────────────────────────────────────
   TESTIMONIALS — WHITE
──────────────────────────────────────────────────────────── */
.tei-testimonials { background: var(--white); }
.tei-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, TWO-COLUMN
──────────────────────────────────────────────────────────── */
.tei-faq { background: var(--gray-50); }

.faq-layout {
    display: grid;
    grid-template-columns: 1fr 1.3fr;
    gap: 80px;
    align-items: start;
}  
.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);
} 
/* ────────────────────────────────────────────────────────────
   PROCESS — DARK (How We Build Your Tax Plan)
──────────────────────────────────────────────────────────── */
.tei-process { background: var(--black); }
.tei-process .section-title { color: var(--white); }
.tei-process .section-sub   { color: rgba(255,255,255,0.5); }
.tei-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; }

/* ────────────────────────────────────────────────────────────
   CTA BAND — DARK
──────────────────────────────────────────────────────────── */
.tei-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);
}
.tei-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;
}
.tei-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); }

/* ────────────────────────────────────────────────────────────
   RELATED SERVICES — WHITE
──────────────────────────────────────────────────────────── */
.tei-related { background: var(--white); }
.tei-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; }
    .instruments-grid  { grid-template-columns: repeat(2,1fr); }
    .tei-80-grid       { grid-template-columns: 1fr; gap: 40px; }
    .calendar-grid     { grid-template-columns: repeat(2,1fr); }
    .strategies-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; }
    .tei-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%; }
    .sh-watermark   { font-size: 14rem; }
}
@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; }
    .tei-why-features        { grid-template-columns: 1fr; }
    .instruments-grid        { grid-template-columns: 1fr; }
    .calendar-grid           { grid-template-columns: 1fr 1fr; }
    .strategies-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; }
    .sh-watermark            { display: none; }
}