/* Valoris Treuhand — shared styles */
@import url("fonts.css");

:root {
  --navy: #0e1a2b;
  --navy-2: #13233a;
  --ink: #1b2230;
  --text: #3a3f4a;
  --muted: #6b6f78;
  --gold: #a0845f;
  --gold-soft: #b79b74;
  --bg: #f4f2ee;
  --bg-alt: #efece6;
  --card: #e9e6df;
  --card-hover: #e3dfd7;
  --sand: #ebe2d4;
  --line: #d9d4ca;
  --line-dark: rgba(255, 255, 255, .14);
  --white: #ffffff;

  --serif: "Cormorant Garamond", "Times New Roman", serif;
  --sans: "DM Sans", system-ui, -apple-system, "Segoe UI", sans-serif;

  --wrap: 1240px;
  --gutter: clamp(20px, 4vw, 56px);
  --radius: 2px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font: 400 16px/1.65 var(--sans);
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
h1, h2, h3, h4 { margin: 0; font-family: var(--serif); font-weight: 500; color: var(--ink); line-height: 1.08; letter-spacing: -.005em; overflow-wrap: break-word; hyphens: auto; }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
section, .panel { scroll-margin-top: 90px; }
@media (max-width: 900px) { .br-lg { display: none; } }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

.wrap { width: 100%; max-width: calc(var(--wrap) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 16px; top: -60px; z-index: 100; background: var(--navy); color: #fff; padding: 10px 16px; font-size: 14px; }
.skip:focus { top: 12px; }

.icon { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.4; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* Type helpers */
.eyebrow { display: block; font: 500 11px/1.4 var(--sans); letter-spacing: .24em; text-transform: uppercase; color: var(--ink); }
.eyebrow--gold { color: var(--gold); }
.accent { color: var(--gold); display: block; }
.h-xl { font-size: clamp(38px, 4.1vw, 60px); }
.h-lg { font-size: clamp(32px, 3.1vw, 44px); }
.h-md { font-size: clamp(28px, 2.8vw, 38px); }
.rule { width: 72px; height: 1px; background: var(--gold); border: 0; margin: 28px 0; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 12px;
  padding: 13px 22px; border: 1px solid var(--ink); border-radius: var(--radius);
  font: 600 11px/1 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--ink);
  transition: background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
}
.btn .icon { width: 16px; height: 16px; transition: transform .25s var(--ease); }
.btn:hover { background: var(--ink); color: #fff; }
.btn:hover .icon { transform: translateX(3px); }
.btn--light { border-color: rgba(255, 255, 255, .5); color: #fff; }
.btn--light:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn--gold { background: var(--gold); border-color: var(--gold); color: #fff; }
.btn--gold:hover { background: var(--gold-soft); border-color: var(--gold-soft); color: #fff; }
.link-arrow { display: inline-flex; align-items: center; gap: 10px; font: 600 11px/1 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--ink); border-bottom: 1px solid var(--gold); padding-bottom: 6px; }
.link-arrow .icon { width: 15px; height: 15px; color: var(--gold); transition: transform .25s var(--ease); }
.link-arrow:hover .icon { transform: translateX(3px); }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(244, 242, 238, .96); backdrop-filter: saturate(1.2) blur(8px); border-bottom: 1px solid transparent; transition: border-color .3s, box-shadow .3s; }
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 6px 24px rgba(14, 26, 43, .05); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 32px; height: 78px; }

.logo { display: inline-flex; flex-direction: column; align-items: center; line-height: 1; color: var(--ink); }
.logo__name { font: 500 31px/1 var(--serif); letter-spacing: .12em; margin-right: -.12em; }
.logo__sub { font: 500 8.5px/1 var(--sans); letter-spacing: .42em; margin-top: 5px; margin-right: -.42em; }

.nav { display: flex; align-items: center; gap: clamp(20px, 2.6vw, 38px); }
.nav a { position: relative; white-space: nowrap; font-size: 14px; color: var(--text); padding: 6px 0; transition: color .2s; }
.nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease); }
.nav a:hover { color: var(--ink); }
.nav a:hover::after, .nav a[aria-current="page"]::after { transform: scaleX(1); }
.nav a[aria-current="page"] { color: var(--ink); font-weight: 500; }
.header-cta { display: flex; align-items: center; gap: 18px; }

.menu-toggle { display: none; width: 44px; height: 44px; align-items: center; justify-content: center; margin-right: -10px; }
.menu-toggle .bars, .menu-toggle .bars::before, .menu-toggle .bars::after { display: block; width: 22px; height: 1.5px; background: var(--ink); position: relative; transition: transform .3s var(--ease), background .2s; }
.menu-toggle .bars::before, .menu-toggle .bars::after { content: ""; position: absolute; left: 0; }
.menu-toggle .bars::before { top: -7px; }
.menu-toggle .bars::after { top: 7px; }
.menu-open .menu-toggle .bars { background: transparent; }
.menu-open .menu-toggle .bars::before { transform: translateY(7px) rotate(45deg); }
.menu-open .menu-toggle .bars::after { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--navy); color: #fff; overflow: hidden; }
.hero__media { position: absolute; inset: 0 0 0 auto; width: 44%; }
.hero__media img { width: 100%; height: 100%; object-fit: cover; }
.hero__media::before { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(90deg, var(--navy) 0%, rgba(14, 26, 43, .55) 22%, rgba(14, 26, 43, 0) 55%); }
.hero .wrap { position: relative; z-index: 2; }
.hero__content { max-width: 720px; padding: clamp(72px, 9vw, 120px) 0 clamp(72px, 9vw, 116px); padding-left: clamp(0px, 3vw, 40px); }
.hero .eyebrow { color: var(--gold-soft); margin-bottom: 26px; }
.hero h1 { color: #fff; }
.hero h1 .accent { color: var(--gold-soft); }
.hero p { max-width: 470px; font-size: 17px; line-height: 1.7; color: rgba(255, 255, 255, .88); }

/* ---------- Services overview ---------- */
.overview { padding: clamp(64px, 7vw, 92px) 0 clamp(64px, 6vw, 80px); background: var(--bg-alt); }
.overview__head { display: grid; grid-template-columns: 1.15fr 1fr; gap: 40px; align-items: end; margin-bottom: 36px; }
.overview__head .eyebrow { margin-bottom: 14px; }
.overview__head p { max-width: 400px; font-size: 15px; color: var(--text); justify-self: end; }

.cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.card {
  position: relative; display: grid; grid-template-columns: 44px minmax(0, 1fr) 36px; align-items: start; gap: 0 14px;
  min-height: 138px; padding: 26px 24px 26px 22px; text-align: left;
  background: var(--card); border-radius: 3px;
  transition: background .35s var(--ease), color .35s var(--ease), transform .35s var(--ease), box-shadow .35s var(--ease);
}
.card:hover { background: var(--card-hover); }
.card__num { font: 500 26px/1 var(--serif); color: var(--gold); padding-top: 22px; }
.card__icon { width: 26px; height: 26px; color: var(--ink); margin-bottom: 14px; }
.card__title { display: block; hyphens: auto; overflow-wrap: break-word; font: 500 22px/1.12 var(--serif); color: var(--ink); margin-bottom: 10px; }
.card__meta { display: block; font-size: 12.5px; color: var(--muted); letter-spacing: .01em; }
.card__go { align-self: center; width: 30px; height: 30px; border: 1px solid var(--gold); border-radius: 50%; display: grid; place-items: center; color: var(--gold); transition: transform .3s var(--ease), background .3s; }
.card__go .icon { width: 14px; height: 14px; }
.card:hover .card__go { transform: translateX(3px); }
.card[aria-selected="true"] { background: var(--navy); box-shadow: 0 18px 40px -18px rgba(14, 26, 43, .55); }
.card[aria-selected="true"] .card__icon,
.card[aria-selected="true"] .card__title { color: #fff; }
.card[aria-selected="true"] .card__meta { color: rgba(255, 255, 255, .78); }
.card[aria-selected="true"] .card__go { border-color: rgba(255, 255, 255, .9); color: #fff; }

/* Group switch (Treuhand / Escrow) */
.group-switch { display: flex; gap: 34px; margin-bottom: 22px; border-bottom: 1px solid var(--line); }
.group-switch button { position: relative; display: inline-flex; align-items: baseline; gap: 10px; padding: 0 0 14px; font: 500 12px/1 var(--sans); letter-spacing: .2em; text-transform: uppercase; color: var(--muted); transition: color .2s; }
.group-switch button::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease); }
.group-switch button:hover { color: var(--ink); }
.group-switch button[aria-selected="true"] { color: var(--ink); }
.group-switch button[aria-selected="true"]::after { transform: scaleX(1); }
.group-switch .count { font: 500 16px/1 var(--serif); letter-spacing: 0; color: var(--gold); }
.grid-panel.is-entering .card { animation: panelIn .5s var(--ease) both; }
.grid-panel.is-entering .card:nth-child(3n+2) { animation-delay: .04s; }
.grid-panel.is-entering .card:nth-child(3n) { animation-delay: .08s; }

/* ---------- Service detail (tab panels) ---------- */
.detail { padding: clamp(56px, 6vw, 72px) 0 clamp(56px, 6vw, 80px); background: var(--bg); }
.panel { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .8fr) minmax(0, 1fr); gap: clamp(28px, 4vw, 56px); }
.js .panel:not(.is-active), .js .grid-panel:not(.is-active) { display: none; }
.panel.is-entering { animation: panelIn .5s var(--ease); }
@keyframes panelIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

.panel__label { display: flex; align-items: center; gap: 16px; margin-bottom: 22px; }
.panel__label .num { font: 500 18px/1 var(--serif); color: var(--gold); }
.panel__label .bar { width: 48px; height: 1px; background: var(--gold); }
.panel__intro h2 { margin-bottom: 26px; }
.panel__intro > p { max-width: 470px; font-size: 15.5px; margin-bottom: 30px; }
.features li { display: grid; grid-template-columns: 54px 1fr; gap: 0 12px; padding: 20px 0; border-top: 1px solid var(--line); }
.features li:first-child { border-top: 0; }
.features .icon { width: 30px; height: 30px; color: var(--ink); margin-top: 2px; margin-left: 6px; }
.features h3 { font-size: 20px; margin-bottom: 4px; }
.features p { font-size: 13.5px; color: var(--muted); }
.panel__intro .link-arrow { margin-top: 14px; }

.timeline { position: relative; padding-top: 30px; }
.timeline::before { content: ""; position: absolute; left: 6px; top: 40px; bottom: 44px; width: 1px; background: var(--gold); opacity: .55; }
.timeline li { position: relative; padding: 0 0 34px 34px; }
.timeline li:last-child { padding-bottom: 0; }
.timeline li::before { content: ""; position: absolute; left: 0; top: 3px; width: 13px; height: 13px; border-radius: 50%; border: 2px solid var(--gold); background: var(--bg); }
.timeline h3 { font: 600 11.5px/1.3 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--ink); margin-bottom: 6px; }
.timeline p { font-size: 13px; line-height: 1.55; color: var(--muted); max-width: 170px; }

.panel__aside { display: flex; flex-direction: column; gap: 0; }
.panel__aside img { width: 100%; aspect-ratio: 1.2; object-fit: cover; }
.advantage { background: var(--sand); padding: 30px 28px 32px; margin-top: 16px; }
.advantage .eyebrow { font-size: 10px; margin-bottom: 12px; }
.advantage h3 { font-size: 27px; }
.advantage .rule { width: 44px; margin: 20px 0; }
.advantage p { font-size: 14.5px; line-height: 1.7; }

/* ---------- Distinction band ---------- */
.band { display: grid; grid-template-columns: 37% 1fr; background: var(--navy); color: #fff; }
.band__media { position: relative; min-height: 320px; }
.band__media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.band__body { display: grid; grid-template-columns: 1.25fr 1px 1fr; gap: clamp(28px, 3.5vw, 48px); align-items: center; padding: clamp(48px, 5vw, 64px) var(--gutter) clamp(48px, 5vw, 64px) clamp(32px, 4vw, 56px); }
.band .eyebrow { color: var(--gold-soft); margin-bottom: 20px; }
.band h2 { color: #fff; margin-bottom: 22px; }
.band h2 .accent { color: var(--gold-soft); }
.band p { font-size: 14.5px; color: rgba(255, 255, 255, .82); max-width: 420px; }
.band__divider { align-self: stretch; background: var(--line-dark); }
.band__list li { display: flex; align-items: center; gap: 22px; padding: 9px 0; font-size: 14px; color: rgba(255, 255, 255, .9); }
.band__list .icon { width: 22px; height: 22px; color: var(--gold-soft); }

/* ---------- Principles ---------- */
.section { padding: clamp(72px, 8vw, 112px) 0; }
.section-head { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: end; margin-bottom: clamp(40px, 5vw, 60px); }
.section-head .eyebrow { margin-bottom: 16px; }
.section-head p { max-width: 420px; justify-self: end; font-size: 15px; }
.principles { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line); }
.principle { padding: 34px 28px 10px 0; }
.principle + .principle { padding-left: 28px; border-left: 1px solid var(--line); }
.principle .num { display: block; font: 500 26px/1 var(--serif); color: var(--gold); margin-bottom: 26px; }
.principle h3 { font-size: 23px; margin-bottom: 12px; }
.principle p { font-size: 14px; color: var(--muted); }

/* ---------- Process ---------- */
.process { background: var(--bg-alt); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; counter-reset: step; }
.step { background: var(--bg); padding: 36px 32px 38px; position: relative; }
.step .num { display: block; font: 500 54px/1 var(--serif); color: var(--gold); opacity: .9; margin-bottom: 26px; }
.step h3 { font-size: 25px; margin-bottom: 12px; }
.step p { font-size: 14.5px; color: var(--muted); }
.process__foot { margin-top: 40px; display: flex; justify-content: flex-end; }

/* ---------- FAQ ---------- */
.faq-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(40px, 6vw, 96px); }
.faq-grid .eyebrow { margin-bottom: 16px; }
.faq-grid h2 { margin-bottom: 22px; }
.faq-grid .intro p { font-size: 15px; margin-bottom: 30px; max-width: 340px; }
.faq details { border-top: 1px solid var(--line); }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 24px 0; cursor: pointer; font: 500 21px/1.25 var(--serif); color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .plus { position: relative; width: 28px; height: 28px; flex: none; border: 1px solid var(--gold); border-radius: 50%; }
.faq summary .plus::before, .faq summary .plus::after { content: ""; position: absolute; left: 50%; top: 50%; width: 10px; height: 1px; background: var(--gold); transform: translate(-50%, -50%); transition: transform .3s var(--ease); }
.faq summary .plus::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq details[open] summary .plus::after { transform: translate(-50%, -50%) rotate(0deg); }
.faq summary:hover { color: var(--gold); }
.faq details p { padding: 0 60px 26px 0; font-size: 15px; color: var(--text); }

/* ---------- CTA ---------- */
.cta { position: relative; background: var(--navy); color: #fff; overflow: hidden; }
.cta__media { position: absolute; inset: 0; opacity: .22; }
.cta__media img { width: 100%; height: 100%; object-fit: cover; }
.cta .wrap { position: relative; display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: end; padding-top: clamp(72px, 8vw, 104px); padding-bottom: clamp(72px, 8vw, 104px); }
.cta .eyebrow { color: var(--gold-soft); margin-bottom: 20px; }
.cta h2 { color: #fff; max-width: 620px; }
.cta p { color: rgba(255, 255, 255, .82); font-size: 15.5px; margin-bottom: 28px; max-width: 380px; }
.cta p a { color: #fff; border-bottom: 1px solid var(--gold-soft); }
.cta small { display: block; margin-top: 16px; font-size: 12.5px; letter-spacing: .04em; color: rgba(255, 255, 255, .6); }

/* ---------- Footer ---------- */
.site-footer { background: #0a1421; color: rgba(255, 255, 255, .72); font-size: 14px; }
.site-footer .top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding: 72px 0 56px; }
.site-footer .logo { color: #fff; align-items: flex-start; }
.site-footer .logo__sub { margin-left: .2em; }
.site-footer .tagline { margin-top: 26px; font: 500 22px/1.25 var(--serif); color: #fff; }
.site-footer .tagline span { color: var(--gold-soft); }
.site-footer h4 { font: 600 10.5px/1 var(--sans); letter-spacing: .22em; text-transform: uppercase; color: var(--gold-soft); margin-bottom: 20px; }
.site-footer li + li { margin-top: 11px; }
.site-footer a:hover { color: #fff; }
.site-footer address { font-style: normal; line-height: 1.8; }
.site-footer .bottom { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding: 22px 0; border-top: 1px solid var(--line-dark); font-size: 12.5px; color: rgba(255, 255, 255, .5); }
.site-footer .bottom nav { display: flex; gap: 24px; }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .panel.is-entering { animation: none; }
}


/* ---------- Language switch ---------- */
.lang-switch { display: flex; align-items: center; gap: 6px; font: 600 11px/1 var(--sans); letter-spacing: .14em; color: var(--muted); }
.lang-switch a { padding: 6px 2px; transition: color .2s; }
.lang-switch a:hover { color: var(--ink); }
.lang-switch [aria-current] { color: var(--ink); border-bottom: 1px solid var(--gold); padding: 6px 2px 5px; }
.lang-switch .sep { color: var(--line); }

/* ---------- Inner-page hero ---------- */
.hero--page .hero__content { padding-top: clamp(56px, 7vw, 96px); padding-bottom: clamp(60px, 7.5vw, 100px); }
.hero--compact .hero__content { padding-top: clamp(48px, 5.5vw, 72px); padding-bottom: clamp(52px, 6vw, 80px); }
.hero--compact .h-xl { font-size: clamp(36px, 3.6vw, 52px); }
.hero--compact .hero__media { width: 36%; }
.hero--404 { min-height: 60vh; display: flex; align-items: center; }
.hero--404 .wrap { width: 100%; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.crumbs { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; margin-bottom: 30px; font-size: 12.5px; letter-spacing: .04em; color: rgba(255, 255, 255, .6); }
.crumbs a { color: rgba(255, 255, 255, .78); transition: color .2s; }
.crumbs a:hover { color: #fff; }
.crumbs [aria-current] { color: var(--gold-soft); }
.hero--page .eyebrow { margin-bottom: 20px; }

/* ---------- Generic sections ---------- */
.section--alt { background: var(--bg-alt); }
.lede { font-size: 16px; line-height: 1.75; margin-bottom: 20px; max-width: 560px; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 6vw, 96px); align-items: start; }
.split h2 { margin-bottom: 26px; }
.split .link-arrow { margin-top: 10px; }
.split--media .split__img { margin-top: 36px; width: 100%; max-width: 480px; aspect-ratio: 1.25; object-fit: cover; }
.note { background: var(--sand); padding: 26px 28px; margin-top: 30px; }
.note .eyebrow { font-size: 10px; margin-bottom: 10px; }
.note p { font-size: 14.5px; }
.note--small { display: flex; gap: 14px; align-items: flex-start; padding: 18px 20px; font-size: 13.5px; margin-top: 30px; }
.note--small .icon { width: 20px; height: 20px; color: var(--gold); margin-top: 2px; }

/* Service list (overview page) */
.jumpbar { position: sticky; top: 78px; z-index: 40; background: rgba(244, 242, 238, .96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.jumpbar .wrap { display: flex; gap: 34px; }
.jumpbar a { display: inline-flex; align-items: baseline; gap: 10px; padding: 18px 0 16px; font: 500 12px/1 var(--sans); letter-spacing: .2em; text-transform: uppercase; color: var(--ink); border-bottom: 2px solid transparent; transition: border-color .25s; }
.jumpbar a:hover { border-bottom-color: var(--gold); }
.jumpbar .count, .group-switch .count { font: 500 16px/1 var(--serif); letter-spacing: 0; color: var(--gold); }
.svc-list { border-top: 1px solid var(--line); }
.svc-row { display: grid; grid-template-columns: 56px 40px minmax(0, 1fr) minmax(0, .8fr) 32px; gap: 20px; align-items: center; padding: 26px 8px; border-bottom: 1px solid var(--line); transition: background .3s var(--ease), padding .3s var(--ease); }
.svc-row:hover { background: var(--card); padding-left: 20px; padding-right: 16px; }
.svc-row__num { font: 500 28px/1 var(--serif); color: var(--gold); }
.svc-row__icon { width: 28px; height: 28px; color: var(--ink); }
.svc-row__title { display: block; font: 500 26px/1.15 var(--serif); color: var(--ink); margin-bottom: 4px; }
.svc-row__lead { display: block; font-size: 14px; color: var(--muted); }
.svc-row__meta { font-size: 12.5px; letter-spacing: .02em; color: var(--muted); }
.svc-row:hover .card__go { transform: translateX(3px); }

/* Service page extras */
.detail--page { padding-top: clamp(64px, 7vw, 96px); }
.usecases { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.usecases li { position: relative; background: var(--bg); padding: 30px 26px 32px; }
.usecases .num { display: block; font: 500 24px/1 var(--serif); color: var(--gold); margin-bottom: 22px; }
.usecases .icon { position: absolute; top: 28px; right: 24px; width: 22px; height: 22px; color: var(--gold); }
.usecases p { font: 500 20px/1.3 var(--serif); color: var(--ink); }
.usecases__note { display: flex; gap: 14px; align-items: flex-start; margin-top: 28px; max-width: 760px; font-size: 14px; color: var(--muted); }
.usecases__note .icon { width: 20px; height: 20px; color: var(--gold); margin-top: 2px; }
.usecases__note a { color: var(--ink); border-bottom: 1px solid var(--gold); }
a.card--link { color: inherit; }
a.card--link:hover { background: var(--navy); }
a.card--link:hover .card__icon, a.card--link:hover .card__title { color: #fff; }
a.card--link:hover .card__meta { color: rgba(255, 255, 255, .78); }
a.card--link:hover .card__go { border-color: #fff; color: #fff; }

/* Facts box */
.facts { background: var(--navy); color: #fff; padding: 36px 34px; }
.facts .eyebrow { color: var(--gold-soft); margin-bottom: 18px; }
.facts dl { margin: 0; }
.facts dl div { display: grid; grid-template-columns: 150px 1fr; gap: 16px; padding: 16px 0; border-top: 1px solid var(--line-dark); }
.facts dt { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: rgba(255, 255, 255, .6); padding-top: 3px; }
.facts dd { margin: 0; font: 500 19px/1.35 var(--serif); }

/* Process phases */
.phases { border-top: 1px solid var(--line); }
.phase { display: grid; grid-template-columns: 90px minmax(0, 1fr) minmax(0, 1.3fr) minmax(0, .9fr); gap: clamp(20px, 3vw, 44px); align-items: start; padding: 38px 0; border-bottom: 1px solid var(--line); }
.phase__num { font: 500 56px/.9 var(--serif); color: var(--gold); }
.phase__head .eyebrow { margin-bottom: 10px; }
.phase__head h3 { font-size: 27px; }
.phase__text { font-size: 15px; }
.phase__result { background: var(--sand); padding: 18px 20px; }
.phase__result .eyebrow { font-size: 10px; margin-bottom: 6px; }
.phase__result p { font: 500 18px/1.3 var(--serif); color: var(--ink); }

/* Escrow flow */
.flow { display: grid; grid-template-columns: 1fr 44px 1fr 44px 1fr; align-items: stretch; }
.flow__node { background: var(--bg); padding: 32px 28px; border-top: 2px solid var(--gold); }
.flow__node--center { background: var(--navy); color: rgba(255, 255, 255, .85); }
.flow__who { display: block; font: 600 11px/1 var(--sans); letter-spacing: .2em; text-transform: uppercase; color: var(--muted); margin-bottom: 18px; }
.flow__node--center .flow__who { color: var(--gold-soft); }
.flow__step { display: flex; align-items: baseline; gap: 12px; font: 500 28px/1.1 var(--serif); color: var(--ink); margin-bottom: 12px; }
.flow__step .num { font-size: 18px; color: var(--gold); }
.flow__node--center .flow__step { color: #fff; }
.flow__node p { font-size: 14.5px; }
.flow__arrow { display: grid; place-items: center; color: var(--gold); }

/* Checklist / decline lists */
.checklist li { display: grid; grid-template-columns: 50px 1fr; gap: 12px; align-items: baseline; padding: 20px 0; border-bottom: 1px solid var(--line); }
.checklist li:first-child { border-top: 1px solid var(--line); }
.checklist .num { font: 500 22px/1 var(--serif); color: var(--gold); }
.checklist p { font: 500 21px/1.3 var(--serif); color: var(--ink); }
.decline li { display: flex; gap: 18px; align-items: flex-start; padding: 18px 0; border-bottom: 1px solid var(--line); font-size: 15.5px; color: var(--ink); }
.decline li:first-child { border-top: 1px solid var(--line); }
.decline .icon { width: 22px; height: 22px; color: var(--gold); margin-top: 1px; }
.steps--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.steps--4 .step .num { font-size: 44px; }
.steps--4 .step h3 { font-size: 23px; }
.doc-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.doc-col { background: var(--card); padding: 34px 32px 30px; }
.doc-col h3 { font-size: 26px; margin-bottom: 18px; }
.doc-col li { display: flex; gap: 14px; align-items: flex-start; padding: 12px 0; border-top: 1px solid var(--line); font-size: 15px; }
.doc-col .icon { width: 20px; height: 20px; color: var(--gold); margin-top: 2px; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: clamp(40px, 6vw, 88px); align-items: start; }
.contact-info h2 { margin-bottom: 22px; }
.contact-list { margin: 34px 0 40px; }
.contact-list li { display: flex; gap: 18px; align-items: flex-start; padding: 18px 0; border-top: 1px solid var(--line); }
.contact-list li:last-child { border-bottom: 1px solid var(--line); }
.contact-list .icon { width: 24px; height: 24px; color: var(--gold); margin-top: 2px; }
.contact-list .eyebrow { font-size: 10px; color: var(--muted); margin-bottom: 6px; }
.contact-list a, .contact-list address { font: 500 21px/1.35 var(--serif); font-style: normal; color: var(--ink); }
.contact-list a:hover { color: var(--gold); }
.contact-next__title { font-size: 24px; margin-bottom: 14px; }
.contact-next li { display: grid; grid-template-columns: 40px 1fr; gap: 10px; padding: 10px 0; font-size: 15px; }
.contact-next .num { font: 500 20px/1.2 var(--serif); color: var(--gold); }
.contact-form { background: #fff; padding: clamp(28px, 4vw, 48px); box-shadow: 0 30px 60px -30px rgba(14, 26, 43, .25); }
.contact-form h3 { font-size: 30px; margin-bottom: 6px; }
.form-hint { font-size: 12.5px; color: var(--muted); margin-bottom: 20px; }
.form-hint:last-of-type { margin: 14px 0 0; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.field { margin-bottom: 20px; }
.field label { display: block; font: 600 10.5px/1.3 var(--sans); letter-spacing: .16em; text-transform: uppercase; color: var(--ink); margin-bottom: 8px; }
.field .opt { font-weight: 400; letter-spacing: .04em; text-transform: none; color: var(--muted); }
.field input, .field select, .field textarea {
  width: 100%; font: 400 15.5px/1.5 var(--sans); color: var(--ink); background: var(--bg);
  border: 1px solid transparent; border-bottom-color: var(--line); border-radius: 0; padding: 12px 14px;
  transition: border-color .2s, background .2s; -webkit-appearance: none; appearance: none;
}
.field select { background-image: linear-gradient(45deg, transparent 50%, var(--gold) 50%), linear-gradient(135deg, var(--gold) 50%, transparent 50%); background-position: calc(100% - 20px) 50%, calc(100% - 15px) 50%; background-size: 5px 5px; background-repeat: no-repeat; padding-right: 40px; }
.field textarea { resize: vertical; min-height: 140px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); background: #fff; }
.field.is-invalid input, .field.is-invalid textarea, .check.is-invalid span::before { border-color: #b4533c; }
.check { display: flex; gap: 12px; align-items: flex-start; margin: 6px 0 24px; font-size: 13.5px; line-height: 1.55; cursor: pointer; }
.check input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.check span::before { content: ""; float: left; width: 18px; height: 18px; margin: 1px 12px 4px 0; border: 1px solid var(--gold); background: #fff; transition: background .2s; }
.check input:checked + span::before { background: var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3'%3E%3Cpath d='m5 12 5 5 9-9'/%3E%3C/svg%3E") center / 12px no-repeat; }
.check input:focus-visible + span::before { outline: 2px solid var(--gold); outline-offset: 2px; }
.check a { color: var(--ink); border-bottom: 1px solid var(--gold); }
.btn--dark { background: var(--navy); border-color: var(--navy); color: #fff; }
.btn--dark:hover { background: var(--gold); border-color: var(--gold); }
.form-status { margin-top: 16px; padding: 14px 16px; background: var(--sand); font-size: 14px; }
.form-status a { border-bottom: 1px solid var(--gold); }

/* ---------- Legal prose ---------- */
.prose-wrap { display: grid; grid-template-columns: 260px minmax(0, 760px); gap: clamp(40px, 6vw, 96px); }
.prose-toc { position: sticky; top: 110px; align-self: start; }
.prose-toc .eyebrow { margin-bottom: 16px; }
.prose-toc li + li { margin-top: 10px; }
.prose-toc a { font-size: 14px; color: var(--muted); transition: color .2s; }
.prose-toc a:hover { color: var(--ink); }
.prose section { padding: 28px 0; border-top: 1px solid var(--line); }
.prose section:first-child { border-top: 0; padding-top: 0; }
.prose h2 { font-size: 28px; margin-bottom: 14px; }
.prose p, .prose li { font-size: 15.5px; line-height: 1.75; }
.prose p + p { margin-top: 12px; }
.prose ul { padding-left: 0; }
.prose li { position: relative; padding-left: 22px; margin-top: 10px; }
.prose li::before { content: ""; position: absolute; left: 0; top: .8em; width: 10px; height: 1px; background: var(--gold); }
.prose a { color: var(--ink); border-bottom: 1px solid var(--gold); }
.prose-updated { margin-top: 28px; padding-top: 20px; border-top: 1px solid var(--line); font-size: 13px; color: var(--muted); }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .panel { grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); }
  .panel__aside { grid-column: 1 / -1; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  .panel__aside img { aspect-ratio: auto; height: 100%; }
  .advantage { margin-top: 0; }
  .band { grid-template-columns: 1fr; }
  .band__media { min-height: 260px; }
  .principles { grid-template-columns: repeat(2, 1fr); }
  .principle:nth-child(3) { padding-left: 0; border-left: 0; }
  .principle:nth-child(n+3) { border-top: 1px solid var(--line); }
  .site-footer .top { grid-template-columns: 1fr 1fr; }
  .usecases, .steps--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .phase { grid-template-columns: 70px minmax(0, 1fr) minmax(0, 1.4fr); }
  .phase__result { grid-column: 2 / -1; }
  .svc-row { grid-template-columns: 48px 36px minmax(0, 1fr) 32px; }
  .svc-row__meta { display: none; }
}

@media (max-width: 1180px) {
  .menu-toggle { display: inline-flex; }
  .header-cta .btn { display: none; }
  .nav {
    position: fixed; inset: 78px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0;
    max-height: calc(100vh - 78px); overflow-y: auto;
    background: var(--bg); padding: 8px var(--gutter) 28px; border-bottom: 1px solid var(--line);
    box-shadow: 0 20px 40px rgba(14, 26, 43, .08);
    opacity: 0; visibility: hidden; transform: translateY(-8px); transition: opacity .25s, transform .25s var(--ease), visibility .25s;
  }
  .nav a { font: 500 26px/1.2 var(--serif); color: var(--ink); padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav a::after { display: none; }
  .nav .btn { display: inline-flex; justify-content: center; margin-top: 22px; font: 600 11px/1 var(--sans); padding: 16px 22px; border: 1px solid var(--ink); }
  .menu-open .nav { opacity: 1; visibility: visible; transform: none; }
}
@media (min-width: 1181px) { .nav .btn { display: none; } }

@media (max-width: 900px) {
  .overview__head, .section-head, .cta .wrap { grid-template-columns: 1fr; align-items: start; }
  .overview__head p, .section-head p { justify-self: start; }
  .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cards--related { grid-template-columns: minmax(0, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .hero__media { width: 100%; opacity: .35; }
  .hero__media::before { background: linear-gradient(90deg, var(--navy) 10%, rgba(14, 26, 43, .6) 100%); }
  .band__body { grid-template-columns: 1fr; }
  .band__divider { height: 1px; }
  .split, .contact-grid, .doc-cols { grid-template-columns: 1fr; }
  .flow { grid-template-columns: 1fr; }
  .flow__arrow { height: 44px; transform: rotate(90deg); }
  .prose-wrap { grid-template-columns: 1fr; }
  .prose-toc { position: static; }
  .hero--compact .hero__media { width: 100%; }
}

@media (max-width: 640px) {
  .logo__name { font-size: 26px; }
  .cards { grid-template-columns: minmax(0, 1fr); gap: 10px; }
  .card { min-height: 0; grid-template-columns: 34px minmax(0, 1fr) 30px; gap: 0 10px; padding: 20px 18px; }
  .card__num { font-size: 22px; padding-top: 0; }
  .card__icon { margin-bottom: 10px; }
  .card__title { font-size: 21px; margin-bottom: 6px; }
  .panel { grid-template-columns: minmax(0, 1fr); }
  .panel__aside { grid-template-columns: 1fr; }
  .panel__aside img { aspect-ratio: 1.4; height: auto; }
  .timeline p { max-width: none; }
  .principles { grid-template-columns: 1fr; }
  .principle, .principle + .principle { padding-left: 0; border-left: 0; }
  .principle + .principle { border-top: 1px solid var(--line); }
  .faq details p { padding-right: 0; }
  .site-footer .top { grid-template-columns: 1fr; padding-top: 56px; }
  .site-footer .bottom nav { flex-wrap: wrap; gap: 12px 20px; }
  .header-cta { gap: 10px; }
  .usecases, .steps--4 { grid-template-columns: 1fr; }
  .phase { grid-template-columns: 1fr; gap: 14px; padding: 30px 0; }
  .phase__result { grid-column: auto; }
  .phase__num { font-size: 44px; }
  .svc-row { grid-template-columns: 36px minmax(0, 1fr) 30px; gap: 14px; padding: 22px 0; }
  .svc-row:hover { padding-left: 8px; padding-right: 8px; }
  .svc-row__icon { display: none; }
  .svc-row__num { font-size: 22px; }
  .svc-row__title { font-size: 22px; }
  .field-row { grid-template-columns: 1fr; }
  .facts dl div { grid-template-columns: 1fr; gap: 4px; }
  .jumpbar .wrap { gap: 24px; }
}