:root {
  --white:       #FFFFFF;
  --off-white:   #FAF8F5;
  --beige-light: #F0EBE3;
  --beige:       #DDD5C8;
  --taupe:       #B5A99A;
  --brown:       #8B7355;
  --brown-dark:  #5C4A32;
  --charcoal:    #2C2C2C;
  --black:       #1A1A1A;
  --grey-mid:    #6B6B6B;
  --font-serif:  'Cormorant Garamond', serif;
  --font-sans:   'Inter', sans-serif;
  --transition:  0.3s ease;
}

/* ── HERO ─────────────────────────────────────────── */
.com-hero { min-height: 100vh; align-items: center; padding-bottom: 0; }
.com-hero-overlay {
  background: linear-gradient(160deg, rgba(26,26,26,.85) 0%, rgba(44,44,44,.5) 100%);
}
.com-hero .svc-hero-content { padding-bottom: 140px; }

.hero-stats-bar {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255,255,255,0.12);
  z-index: 2;
}
.hero-stats-inner {
  display: flex;
  align-items: center;
  padding: 1.4rem 0;
  gap: 0;
}
.hero-stat {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 0 2rem;
  text-align: center;
}
.hero-stat .counter {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--white);
  font-weight: 400;
}
.hero-stat span:last-child {
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
}
.hero-stat-div {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.15);
  flex-shrink: 0;
}

/* ── ASSET CLASS TABS ─────────────────────────────── */
.asset-section { background: var(--off-white); }
.asset-tabs { margin-top: 2rem; }

.tab-nav {
  display: flex;
  gap: 0;
  border-bottom: 1px solid var(--beige);
  overflow-x: auto;
}
.tab-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 1rem 1.8rem;
  background: none;
  border: none;
  border-bottom: 2px solid transparent;
  margin-bottom: -1px;
  font-family: var(--font-sans);
  font-size: 0.82rem;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--grey-mid);
  cursor: pointer;
  white-space: nowrap;
  transition: color var(--transition), border-color var(--transition);
}
.tab-btn svg { transition: stroke var(--transition); }
.tab-btn:hover { color: var(--brown); }
.tab-btn.active {
  color: var(--brown);
  border-bottom-color: var(--brown);
}
.tab-btn.active svg { stroke: var(--brown); }

.tab-content { margin-top: 0; }
.tab-panel {
  display: none;
  grid-template-columns: 1fr 1fr;
  opacity: 0;
  transition: opacity 0.4s ease;
}
.tab-panel.active { display: grid; }

.tab-image {
  background-size: cover;
  background-position: center;
  min-height: 420px;
  filter: grayscale(10%);
}
.tab-info {
  background: var(--white);
  padding: 3rem 3rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.tab-info h3 {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 1rem;
}
.tab-info > p {
  font-size: 0.92rem;
  color: var(--grey-mid);
  font-weight: 300;
  line-height: 1.8;
  margin-bottom: 1.5rem;
}
.tab-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-bottom: 2rem;
}
.tab-features li {
  font-size: 0.88rem;
  color: var(--charcoal);
  padding-left: 1.2rem;
  position: relative;
}
.tab-features li::before {
  content: '';
  position: absolute;
  left: 0; top: 9px;
  width: 5px; height: 1px;
  background: var(--brown);
}
.tab-stat-row {
  display: flex;
  gap: 0;
  border-top: 1px solid var(--beige);
  padding-top: 1.5rem;
}
.tab-stat-row > div {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 3px;
  padding-right: 1.5rem;
  border-right: 1px solid var(--beige);
  padding-left: 1rem;
}
.tab-stat-row > div:first-child { padding-left: 0; }
.tab-stat-row > div:last-child { border-right: none; }
.tab-stat-row strong {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  color: var(--brown);
}
.tab-stat-row span { font-size: 0.72rem; color: var(--grey-mid); letter-spacing: 0.07em; text-transform: uppercase; }

/* ── KEY MARKETS ──────────────────────────────────── */
.com-markets { background: var(--white); }
.markets-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 4px;
}
.market-card {
  position: relative;
  aspect-ratio: 3/4;
  background-size: cover;
  background-position: center;
  overflow: hidden;
  cursor: default;
  transition: transform 0.4s ease;
  transform-origin: center;
}
.market-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(26,26,26,.88) 0%, rgba(26,26,26,.15) 55%);
  transition: opacity 0.3s;
}
.market-body {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  padding: 2rem 1.8rem;
  z-index: 1;
}
.market-body h3 {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  font-weight: 400;
  color: var(--white);
  margin-bottom: 0.5rem;
}
.market-body p {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.6;
  font-weight: 300;
  margin-bottom: 1rem;
}
.market-tag {
  display: inline-block;
  font-size: 0.68rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 4px 10px;
}

/* ── WHAT'S INCLUDED — icon grid ─────────────────── */
.com-includes { background: var(--off-white); }
.com-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}
.com-card {
  background: var(--white);
  padding: 2.8rem 2.2rem;
  position: relative;
  transition: background var(--transition), transform var(--transition);
}
.com-card:hover { background: var(--beige-light); transform: translateY(-4px); }
.com-card-num {
  font-family: var(--font-serif);
  font-size: 3.5rem;
  font-weight: 300;
  color: var(--beige);
  line-height: 1;
  margin-bottom: 1rem;
}
.com-card-icon {
  width: 40px; height: 40px;
  margin-bottom: 1.2rem;
  display: block;
}
.com-card h4 {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 0.6rem;
}
.com-card p {
  font-size: 0.87rem;
  color: var(--grey-mid);
  font-weight: 300;
  line-height: 1.75;
}

/* ── HORIZONTAL STEPPER ───────────────────────────── */
.com-process { background: var(--off-white); border-top: 1px solid var(--beige); }
.com-process .section-eyebrow { color: var(--brown); }
.com-process .section-title { color: var(--black); }
.com-process .section-desc { color: var(--grey-mid); }

.h-stepper {
  position: relative;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  margin-top: 3.5rem;
}
.h-line {
  position: absolute;
  top: 22px;
  left: 10%;
  right: 10%;
  height: 1px;
  background: var(--beige);
  z-index: 0;
}
.h-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 1rem;
  position: relative;
  z-index: 1;
}
.h-dot {
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 1px solid var(--brown);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  background: var(--off-white);
  box-shadow: 0 0 0 4px var(--beige-light);
  transition: background var(--transition);
}
.h-step:hover .h-dot { background: var(--brown); }
.h-dot span {
  font-family: var(--font-serif);
  font-size: 0.9rem;
  color: var(--brown);
  transition: color var(--transition);
}
.h-step:hover .h-dot span { color: var(--white); }
.h-step-body h4 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 0.6rem;
}
.h-step-body p { font-size: 0.82rem; color: var(--grey-mid); font-weight: 300; line-height: 1.7; }

/* ── RESPONSIVE ───────────────────────────────────── */
@media (max-width: 1000px) {
  .h-stepper { grid-template-columns: repeat(3, 1fr); row-gap: 2.5rem; }
  .h-line { display: none; }
  .com-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .tab-panel.active { grid-template-columns: 1fr; }
  .tab-image { min-height: 250px; }
  .tab-info { padding: 2rem 1.5rem; }
  .hero-stats-inner { flex-wrap: wrap; gap: 1rem; }
  .hero-stat-div { display: none; }
  .markets-strip { grid-template-columns: 1fr; gap: 4px; }
  .market-card { aspect-ratio: 16/7; }
  .com-hero .svc-hero-content { padding-bottom: 200px; }
}
@media (max-width: 540px) {
  .com-grid { grid-template-columns: 1fr; }
  .h-stepper { grid-template-columns: 1fr 1fr; }
  .tab-nav { gap: 0; }
  .tab-btn { padding: 0.8rem 1rem; font-size: 0.75rem; }
}