/* Fiduciary Bridge — site styles */
:root {
  --navy: #052a70;
  --navy-2: #0b3a8f;
  --ink: #16213a;
  --muted: #566179;
  --gold: #d80729;  /* brand red */
  --gold-soft: #e8edf5; /* soft brand blue */
  --paper: #eef2f6;
  --white: #ffffff;
  --line: #dde3ec;
  --radius: 10px;
  --max: 1160px;
  --serif: "Montserrat", "Segoe UI", system-ui, sans-serif; /* headings, matches the logo wordmark */
  --sans: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--navy-2); }
a:hover { color: var(--gold); }

h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.2; margin: 0 0 .6em; font-weight: 700; }
h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1.1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 780px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff; padding: 8px 14px; z-index: 100; }
.skip:focus { left: 8px; top: 8px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand svg { width: 46px; height: 38px; flex: none; }
.brand-name { font-family: var(--serif); font-size: 1.32rem; font-weight: 600; letter-spacing: -.01em; line-height: 1; }
.brand-name small { display: block; font-family: var(--sans); font-size: .62rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-top: 5px; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav > ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 2px; align-items: center; }
.nav li { position: relative; }
.nav a, .nav button.sub-toggle {
  display: block; padding: 10px 12px; font-size: .92rem; font-weight: 500;
  color: var(--ink); text-decoration: none; border-radius: 6px;
  background: none; border: 0; font-family: inherit; cursor: pointer;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--navy); background: var(--paper); }
.nav a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--gold); border-radius: 6px 6px 0 0; }
.nav .has-sub > a::after { content: ""; display: inline-block; margin-left: 6px; border: 4px solid transparent; border-top-color: currentColor; transform: translateY(2px); }
.submenu {
  list-style: none; margin: 0; padding: 8px; position: absolute; left: 0; top: 100%;
  min-width: 270px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: 0 14px 34px rgba(5,42,112,.12); opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .16s ease .25s, transform .16s ease .25s, visibility 0s linear .41s;
}
.submenu::before { content: ""; position: absolute; left: 0; right: 0; top: -14px; height: 14px; }
.has-sub:hover .submenu, .has-sub:focus-within .submenu, .has-sub.open .submenu { opacity: 1; visibility: visible; transform: none; transition-delay: 0s; }
.has-sub.open > a::after { transform: translateY(-2px) rotate(180deg); }
.submenu .all { border-bottom: 1px solid var(--line); margin-bottom: 4px; padding-bottom: 4px; }
.submenu .all a { font-weight: 600; color: var(--navy); }
.submenu a { padding: 9px 12px; font-size: .9rem; }
.nav .btn { margin-left: 10px; }

.menu-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 8px; width: 44px; height: 44px; cursor: pointer; }
.menu-toggle span { display: block; width: 20px; height: 2px; background: var(--navy); margin: 4px auto; transition: .2s; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; padding: 13px 22px; border-radius: 8px; font-weight: 600; font-size: .95rem;
  text-decoration: none; border: 2px solid transparent; transition: all .15s ease; cursor: pointer; font-family: inherit;
}
.btn-primary { background: var(--gold); color: #fff; }
.btn-primary:hover { background: #b00520; color: #fff; }
.btn-outline { border-color: currentColor; color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-light { border-color: rgba(255,255,255,.55); color: #fff; }
.btn-light:hover { background: #fff; color: var(--navy); border-color: #fff; }
.nav .btn-primary { color: #fff; background: var(--gold); padding: 10px 18px; }
.nav .btn-primary:hover { background: #b00520; color: #fff; }
.nav .btn-primary[aria-current="page"] { background: var(--navy); color: #fff; box-shadow: none; border-radius: 8px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #e9eef4;
  background: radial-gradient(1200px 500px at 85% -10%, #1d4fb0 0%, transparent 60%), linear-gradient(160deg, var(--navy) 0%, #031c4f 100%);
  padding: 96px 0 104px;
}
.hero h1 { color: #fff; max-width: 20ch; }
.hero .lede { font-size: 1.2rem; color: #fff; font-weight: 500; max-width: 46ch; }
.hero p { max-width: 62ch; color: #cdd7e2; }
.hero .bridge-art { position: absolute; right: -60px; bottom: -10px; width: 620px; opacity: .14; pointer-events: none; }
.eyebrow { display: inline-block; font-size: .75rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }

.page-hero { background: linear-gradient(160deg, var(--navy) 0%, #031c4f 100%); color: #cdd7e2; padding: 72px 0 64px; }
.page-hero h1 { color: #fff; max-width: 22ch; }
.page-hero p { max-width: 64ch; font-size: 1.1rem; margin: 0; }
.breadcrumb { font-size: .85rem; margin-bottom: 14px; color: #9fb0c2; }
.breadcrumb a { color: #9fb0c2; text-decoration: none; }
.breadcrumb a:hover { color: #fff; }

/* ---------- Urgency band ---------- */
.urgency { background: var(--gold-soft); border-bottom: 1px solid #d3dbe8; }
.urgency .container { display: flex; gap: 18px; align-items: flex-start; padding-top: 26px; padding-bottom: 26px; }
.urgency svg { width: 34px; height: 34px; flex: none; color: var(--gold); margin-top: 2px; }
.urgency p { margin: 0; font-size: 1.05rem; }

/* ---------- Sections ---------- */
section { padding: 88px 0; }
.section-alt { background: var(--paper); }
.section-head { max-width: 720px; margin-bottom: 44px; }
.section-head p { color: var(--muted); font-size: 1.08rem; }
.tagline { font-family: var(--serif); font-size: clamp(1.4rem, 2.6vw, 1.9rem); color: var(--navy); text-align: center; font-weight: 600; margin: 0; }
.tagline-band { padding: 56px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px;
  transition: box-shadow .2s ease, transform .2s ease;
}
.card:hover { box-shadow: 0 16px 36px rgba(5,42,112,.09); transform: translateY(-2px); }
.card h3 { margin-bottom: .45em; }
.card p { margin: 0; color: var(--muted); font-size: .98rem; }
.card .icon { width: 46px; height: 46px; border-radius: 10px; background: var(--gold-soft); color: var(--navy); display: grid; place-items: center; margin-bottom: 18px; }
.card .icon svg { width: 24px; height: 24px; }
.card a.more { display: inline-block; margin-top: 14px; font-weight: 600; font-size: .92rem; text-decoration: none; }

.serve-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 14px; }
.serve-list li {
  background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 8px;
  padding: 18px 18px; font-weight: 600; color: var(--navy); font-size: .98rem;
}

.check-list { list-style: none; padding: 0; margin: 0 0 1.2em; }
.check-list li { position: relative; padding-left: 32px; margin-bottom: 12px; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 6px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23052a70' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat;
}

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.split.wide-left { grid-template-columns: 1.4fr 1fr; }

/* ---------- Service detail ---------- */
.service { display: grid; grid-template-columns: 280px 1fr; gap: 48px; padding: 56px 0; border-top: 1px solid var(--line); scroll-margin-top: 96px; }
.service:first-of-type { border-top: 0; padding-top: 0; }
.service-label { display: flex; flex-direction: column; gap: 14px; }
.service-label .num { font-family: var(--serif); font-size: 2.6rem; color: var(--gold); line-height: 1; }
.service-label h2 { font-size: 1.55rem; margin: 0; }
.service-body p:last-child { margin-bottom: 0; }
.callout { background: var(--paper); border-left: 4px solid var(--navy); padding: 18px 22px; border-radius: 0 8px 8px 0; margin: 20px 0 0; font-size: .98rem; }
.callout strong { color: var(--navy); }
.subnav { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.subnav a { color: #fff; text-decoration: none; font-size: .88rem; padding: 7px 14px; border: 1px solid rgba(255,255,255,.3); border-radius: 999px; }
.subnav a:hover { background: #fff; color: var(--navy); }

/* ---------- Steps ---------- */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; position: relative; }
.steps > li { position: relative; padding: 0 0 48px 84px; }
.steps > li::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 0; top: -4px; width: 54px; height: 54px; border-radius: 50%;
  background: var(--navy); color: #fff; font-family: var(--serif); font-size: 1.4rem; display: grid; place-items: center;
}
.steps > li::after { content: ""; position: absolute; left: 26px; top: 56px; bottom: 6px; width: 2px; background: var(--line); }
.steps > li:last-child::after { display: none; }
.steps > li:last-child { padding-bottom: 0; }
.steps h3 { font-size: 1.4rem; }

/* ---------- Profile ---------- */
.profile { display: grid; grid-template-columns: 300px 1fr; gap: 56px; align-items: start; }
.portrait {
  aspect-ratio: 4 / 5; border-radius: var(--radius); background: linear-gradient(160deg, var(--navy-2), var(--navy));
  display: grid; place-items: center; color: rgba(255,255,255,.85); font-family: var(--serif); font-size: 4rem; position: relative; overflow: hidden;
}
.portrait span.note { position: absolute; bottom: 12px; left: 0; right: 0; text-align: center; font-family: var(--sans); font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.55); }
.creds { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 22px; padding: 0; list-style: none; }
.creds li { font-size: .78rem; font-weight: 700; letter-spacing: .06em; padding: 6px 12px; border-radius: 999px; background: var(--gold-soft); color: var(--navy); }
.license-box { border: 1px solid #d3dbe8; border-left: 4px solid var(--navy); background: #f6f8fb; border-radius: 8px; padding: 18px 20px; font-size: .95rem; }
.placeholder { background: #fff1cc; padding: 0 4px; border-radius: 3px; font-weight: 600; color: #7a5300; }

/* ---------- Quote / feature ---------- */
.feature-quote { font-family: var(--serif); font-size: clamp(1.3rem, 2.4vw, 1.7rem); color: var(--navy); line-height: 1.45; font-weight: 500; border-left: 4px solid var(--gold); padding-left: 26px; margin: 0; }

/* ---------- CTA ---------- */
.cta { background: linear-gradient(160deg, var(--navy) 0%, #031c4f 100%); color: #cdd7e2; text-align: center; padding: 88px 0; }
.cta h2 { color: #fff; max-width: 22ch; margin-left: auto; margin-right: auto; }
.cta p { max-width: 62ch; margin-left: auto; margin-right: auto; }
.cta .btn-row { justify-content: center; }
.cta strong { color: #fff; }

/* ---------- Contact ---------- */
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form .full { grid-column: 1 / -1; }
.form label { display: block; font-size: .88rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form input, .form select, .form textarea {
  width: 100%; padding: 12px 14px; border: 1px solid #c9d1dd; border-radius: 8px; font: inherit; font-size: .98rem; background: #fff; color: var(--ink);
}
.form input:focus, .form select:focus, .form textarea:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); }
.form textarea { min-height: 150px; resize: vertical; }
.form .hint { font-size: .82rem; color: var(--muted); margin-top: 6px; }
.form .hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
#form-error { color: #a1061f; }
.form-note { font-size: .85rem; color: var(--muted); }
.form-success { display: none; background: #eaf4ec; border: 1px solid #b9d9c0; color: #1f5a2e; padding: 16px 18px; border-radius: 8px; }
.contact-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; }
.contact-card dl { margin: 0; }
.contact-card dt { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; color: var(--gold); margin-top: 18px; }
.contact-card dt:first-child { margin-top: 0; }
.contact-card dd { margin: 4px 0 0; }

/* ---------- Footer ---------- */
.site-footer { background: #021640; color: #a8b6c5; padding: 64px 0 28px; font-size: .92rem; }
.site-footer a { color: #d5dee8; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 48px; }
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer h4 { color: #fff; font-family: var(--sans); font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 48px; padding-top: 24px; font-size: .8rem; color: #8193a6; }
.footer-legal p { margin: 0 0 8px; }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }

/* ---------- Responsive ---------- */
@media (max-width: 1200px) {
  .menu-toggle { display: block; }
  .nav {
    position: fixed; inset: 76px 0 0 0; background: #fff; flex-direction: column; align-items: stretch;
    padding: 18px 24px 40px; overflow-y: auto; transform: translateX(100%); visibility: hidden; transition: transform .25s ease, visibility .25s;
  }
  .nav.open { transform: none; visibility: visible; }
  .nav > ul { flex-direction: column; align-items: stretch; gap: 0; }
  .nav a { padding: 14px 6px; font-size: 1.05rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav a[aria-current="page"] { box-shadow: none; }
  .nav .has-sub > a::after { display: none; }
  .submenu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 0 16px; min-width: 0; }
  .submenu a { font-size: .95rem; color: var(--muted); }
  .nav .btn { margin: 20px 0 0; text-align: center; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .split, .split.wide-left { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .container { padding: 0 16px; }
  section { padding: 64px 0; }
  .hero { padding: 64px 0 72px; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .service { grid-template-columns: 1fr; gap: 18px; padding: 44px 0; }
  .profile { grid-template-columns: 1fr; gap: 28px; }
  .portrait { max-width: 260px; }
  .form { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .steps > li { padding-left: 70px; }
  .btn-row .btn { flex: 1 1 100%; text-align: center; }
}
.portrait img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; }

/* ---------- Meet James (home) ---------- */
.meet-inner { display: grid; grid-template-columns: 340px 1fr; gap: 64px; align-items: center; }
.meet-photo { border-radius: var(--radius); overflow: hidden; aspect-ratio: 4 / 5; box-shadow: 0 24px 50px rgba(5,42,112,.18); position: relative; }
.meet-photo::after { content: ""; position: absolute; inset: auto 0 0 0; height: 6px; background: var(--gold); }
.meet-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; }


/* ---------- Checklist ---------- */
.checklist-tools { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px; margin-bottom: 28px; padding: 16px 20px; background: var(--paper); border-radius: var(--radius); }
.cl-progress { font-weight: 600; color: var(--navy); }
.btn-sm { padding: 9px 16px; font-size: .88rem; }
.checklist h2 { font-size: 1.25rem; margin: 34px 0 12px; }
.checklist h2:first-child { margin-top: 0; }
.checklist label { display: flex; gap: 14px; align-items: flex-start; padding: 14px 16px; border: 1px solid var(--line); border-radius: 8px; margin-bottom: 8px; cursor: pointer; transition: background .15s, border-color .15s; }
.checklist label:hover { border-color: #b9c6dc; }
.checklist input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--gold); flex: none; cursor: pointer; }
.checklist label:has(input:checked) { background: var(--gold-soft); border-color: #c5d1e4; color: var(--muted); }

/* ---------- Back to top ---------- */
.to-top { position: fixed; right: 20px; bottom: 20px; z-index: 45; width: 46px; height: 46px; border-radius: 50%; border: 0; background: var(--navy); color: #fff; cursor: pointer; box-shadow: 0 8px 20px rgba(5,42,112,.25); opacity: 0; visibility: hidden; transform: translateY(10px); transition: all .2s; }
.to-top.show { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--gold); }
.to-top svg { width: 20px; height: 20px; margin: auto; }

/* ---------- Keyboard focus ---------- */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

@media (max-width: 760px) {
  .meet-inner { grid-template-columns: 1fr; gap: 32px; }
  .meet-photo { max-width: 280px; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .site-footer, .cta, .no-print, .to-top, .service-bar, .menu-toggle, .btn-row, .skip { display: none !important; }
  body { font-size: 12pt; color: #000; }
  .page-hero, .hero { background: none !important; color: #000; padding: 0 0 12pt; }
  .page-hero h1, .hero h1, .page-hero p { color: #000; }
  .breadcrumb { display: none; }
  section { padding: 12pt 0; }
  .reveal { opacity: 1 !important; transform: none !important; }
  .checklist label { break-inside: avoid; padding: 6pt 8pt; }
  a { color: #000; text-decoration: none; }
}

/* ---------- Brand accents (from the Fiduciary Bridge business card) ---------- */
.eyebrow::before { content: ""; display: block; width: 32px; height: 3px; background: var(--gold); margin-bottom: 14px; }
.hero .eyebrow, .page-hero .eyebrow { color: #fff; }
.contact-card dt { color: var(--navy); }
.site-footer .brand { color: #fff; }
.contact-card a, .site-footer a[href^="tel"], .site-footer a[href^="mailto"] { text-decoration: none; }

/* ---------- Services overview cards ---------- */
.svc-card { position: relative; display: flex; flex-direction: column; text-decoration: none; color: inherit; }
.svc-card .num { position: absolute; top: 22px; right: 26px; font-family: var(--serif); font-weight: 700; font-size: 1.1rem; color: var(--line); }
.svc-card p { flex: 1; }
.svc-card .more { margin-top: 18px; font-weight: 600; font-size: .92rem; color: var(--navy-2); }
.svc-card:hover { border-color: #c5d1e4; }
.svc-card:hover .more { color: var(--gold); }
.svc-card:hover h3 { color: var(--navy-2); }
.svc-card-cta { background: var(--navy); border-color: var(--navy); }
.svc-card-cta h3 { color: #fff; }
.svc-card-cta p { color: #cdd7e2; margin-bottom: 20px; }
.svc-card-cta strong { color: #fff; }
.svc-card-cta .btn { align-self: flex-start; }

/* ---------- Individual service pages ---------- */
.svc-layout { display: grid; grid-template-columns: 1fr 340px; gap: 64px; align-items: start; }
.svc-lead { font-family: var(--serif); font-size: clamp(1.25rem, 2.2vw, 1.55rem); font-weight: 600; color: var(--navy); line-height: 1.4; }
.svc-box { background: var(--paper); border-radius: var(--radius); padding: 28px 30px 16px; margin: 32px 0; }
.svc-box h2, .svc-sub { font-size: 1.2rem; margin-bottom: 18px; }
.svc-sub { margin-top: 40px; }
.svc-box-note { font-size: .9rem; color: var(--muted); margin-top: -4px; }
.check-list.cols { columns: 2; column-gap: 28px; }
.check-list.cols li { break-inside: avoid; }
.svc-aside { position: sticky; top: 100px; display: grid; gap: 20px; }
.svc-list { border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.svc-list h3, .svc-contact h3 { font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 12px; }
.svc-list a { display: block; padding: 10px 12px; border-radius: 6px; text-decoration: none; color: var(--ink); font-size: .95rem; border-left: 3px solid transparent; }
.svc-list a:hover { background: var(--paper); color: var(--navy); }
.svc-list a[aria-current="page"] { background: var(--gold-soft); color: var(--navy); font-weight: 600; border-left-color: var(--gold); border-radius: 0 6px 6px 0; }
.svc-list a.svc-all { margin-top: 8px; border-top: 1px solid var(--line); border-radius: 0; padding-top: 14px; font-weight: 600; color: var(--navy-2); font-size: .9rem; }
.svc-contact { background: var(--navy); color: #cdd7e2; border-radius: var(--radius); padding: 24px; font-size: .95rem; }
.svc-contact h3 { color: #fff; }
.svc-contact strong { color: #fff; }
.svc-contact-lines a { color: #fff; text-decoration: none; font-weight: 600; }
.svc-contact .btn { width: 100%; text-align: center; }
.svc-pager { display: flex; justify-content: space-between; gap: 20px; margin-top: 64px; padding-top: 32px; border-top: 1px solid var(--line); }
.svc-pager a { display: flex; flex-direction: column; gap: 4px; text-decoration: none; font-family: var(--serif); font-weight: 700; color: var(--navy); font-size: 1.05rem; max-width: 48%; }
.svc-pager a span { font-family: var(--sans); font-size: .75rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.svc-pager .prev span::before { content: "← "; }
.svc-pager .next { text-align: right; margin-left: auto; }
.svc-pager .next span::after { content: " →"; }
.svc-pager a:hover { color: var(--gold); }

@media (max-width: 1200px) {
  .svc-layout { grid-template-columns: 1fr; gap: 40px; }
  .svc-aside { position: static; grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  .svc-aside { grid-template-columns: 1fr; }
  .check-list.cols { columns: 1; }
  .svc-pager { flex-direction: column; }
  .svc-pager a { max-width: none; }
}
@media print { .svc-aside, .svc-pager { display: none !important; } .svc-layout { display: block; } }

/* ===================== Oct 30 redline: shared tokens ===================== */
body { font-size: 18px; line-height: 1.55; }
.container { max-width: 1200px; }
section { padding: 80px 0; }
.section-tight { padding: 64px 0; }
h1 { font-size: clamp(2.125rem, 5vw, 3.375rem); }
.card { padding: 24px; border-radius: 10px; }
.card:hover { box-shadow: 0 6px 18px rgba(5,42,112,.07); transform: none; }
.grid { gap: 24px; }
.text-link { display: inline-block; font-weight: 600; text-decoration: none; color: var(--navy-2); }
.text-link:hover { color: var(--gold); text-decoration: underline; }
.text-link.light { color: #fff; }
.text-link.light:hover { color: #fff; }
.fine { font-size: .9rem; color: var(--muted); margin: 24px 0 0; }
.lead-dark { font-size: 1.15rem; color: var(--ink); }

/* Home hero with James card (redline 01–03, 17) */
.hero { padding: 80px 0; }
.hero-grid { display: grid; grid-template-columns: 1fr 280px; gap: 56px; align-items: center; position: relative; }
.hero h1 { max-width: 21ch; }
.hero .lede { font-size: 1.2rem; font-weight: 400; color: #e6ecf5; max-width: 52ch; }
.hero .btn-row { align-items: center; gap: 24px; }
.hero-note { margin: 18px 0 0; color: #cdd7e2; font-size: 1rem; }
.hero-card { background: #fff; color: var(--ink); border-radius: 12px; padding: 20px; }
.hero-card img { width: 100%; height: auto; aspect-ratio: 1 / 1.05; object-fit: cover; object-position: center 20%; border-radius: 8px; margin-bottom: 16px; }
.hero-card h2 { font-size: 1.35rem; margin: 0 0 4px; color: var(--navy); }
.hero-card-creds { font-weight: 700; font-size: .85rem; letter-spacing: .08em; color: var(--gold); margin: 0 0 8px; }
.hero-card p:last-child { margin: 0; font-size: .95rem; color: var(--muted); }

/* Audience chips (redline 04) */
.chips { list-style: none; padding: 0; margin: 24px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.chips li:nth-child(4), .chips li:nth-child(5) { grid-column: span 1; }
.chips a { display: block; height: 100%; padding: 16px 20px; background: var(--paper); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 8px; font-weight: 600; color: var(--navy); text-decoration: none; }
.chips a:hover { background: var(--gold-soft); }

/* Compact cards (redline 06–07, 26, 32) */
.cards-compact .card { display: flex; flex-direction: column; }
.cards-compact .card .icon { width: 40px; height: 40px; margin-bottom: 14px; }
.cards-compact .card h3 { font-size: 1.2rem; margin-bottom: 8px; }
.cards-compact .card p { flex: 1; font-size: 1rem; }
.cards-compact .card .more { margin-top: 14px; }
.svc-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; }
.svc-top .icon { margin-bottom: 0 !important; }
.svc-cards .num { position: static; font-family: var(--serif); font-weight: 700; font-size: 1.1rem; color: #9aa6b8; }
.card-action { background: var(--gold-soft); border-color: #c5d1e4; }
.card-action .btn { align-self: flex-start; margin-top: 16px; }
.audience .card { scroll-margin-top: 100px; }

/* Who We Are (redline 17–22) */
.firm-cards .card p { flex: 0 1 auto; }
.profile { grid-template-columns: 260px 1fr; gap: 48px; align-items: start; }
.portrait { box-shadow: none; }
.license-box { padding: 24px 28px; font-size: 1rem; }
.license-box h2 { font-size: 1.25rem; margin-bottom: 12px; }
.license-box p:last-child { margin-bottom: 0; }

/* How We Work (redline 37–38) */
.steps > li { padding-bottom: 40px; }
.steps > li::before { top: 0; }
.steps h3 { margin-top: 10px; }
.record-groups { margin: 0 0 14px; padding-left: 1.3em; }
.record-groups li { margin-bottom: 6px; }

/* Shared closing panel (redline 15, 36, 45) */
.cta { padding: 64px 0; text-align: left; }
.cta-inner { display: flex; justify-content: space-between; align-items: center; gap: 32px; flex-wrap: wrap; }
.cta h2 { margin: 0; max-width: 24ch; }
.cta-inner p { margin: 8px 0 0; }
.cta-actions { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.cta-contact { margin: 0 !important; font-size: .95rem; }
.cta-contact a { color: #fff; text-decoration: none; font-weight: 600; }
.cta-contact a:hover { text-decoration: underline; }

@media (max-width: 1000px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { display: grid; grid-template-columns: 120px 1fr; gap: 4px 20px; align-items: start; max-width: 520px; }
  .hero-card img { grid-row: span 3; margin: 0; }
  .chips { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  body { font-size: 17px; }
  .container { padding: 0 24px; }
  section, .hero { padding: 48px 0; }
  .section-tight, .cta { padding: 40px 0; }
  .chips { grid-template-columns: 1fr; }
  .profile { grid-template-columns: 1fr; }
  .portrait { max-width: 240px; }
  .hero .btn-row .btn { flex: 0 0 auto; }
}

/* Print (redline p18) */
@media print {
  .card, .chips li, .steps > li, .license-box, .profile { break-inside: avoid; }
  .hero-card { break-inside: avoid; border: 1px solid #ccc; }
  .cta { display: block !important; background: none !important; color: #000; padding: 12pt 0; }
  .cta h2, .cta-contact a { color: #000 !important; }
  .cta .btn { display: none; }
  .text-link.light { color: #000; }
}

/* ===================== Final revisions (value-add redline) ===================== */
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.h-sub { font-size: 1.35rem; margin: 40px 0 20px; }
.anchor-alias { display: block; position: relative; top: -100px; }
ol.benefit-cards { list-style: none; padding: 0; margin: 0; }
.benefit-num { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: #fff; font-family: var(--serif); font-weight: 700; margin-bottom: 14px; }
.hero h1 { max-width: 18ch; }

/* Assignment Insurance Review (H18) */
.review-panel { display: flex; gap: 40px; align-items: center; justify-content: space-between; background: var(--gold-soft); border: 1px solid #c5d1e4; border-left: 5px solid var(--gold); border-radius: 12px; padding: 32px; }
.review-panel h2 { margin-bottom: 12px; }
.review-panel .btn { flex: none; }
.review-outputs { margin: 0; padding-left: 1.3em; }
.review-outputs li { margin-bottom: 6px; }

/* Audience chips with descriptions (H06) */
.chips a span { display: block; font-weight: 400; font-size: .92rem; color: var(--muted); margin-top: 4px; }

/* Lender band (H14) */
.lender-band { display: flex; gap: 40px; align-items: center; justify-content: space-between; border: 1px solid var(--line); border-radius: 12px; padding: 32px; }
.lender-band .btn { flex: none; }
.lender-band p:last-child { margin-bottom: 0; }
.lender-note { margin-top: 32px; }
.lender-note .btn { margin-top: 8px; }

/* Practice example (H15) */
.example-card { border: 1px solid var(--line); border-top: 4px solid var(--navy); border-radius: 12px; padding: 32px; }
.example-list { margin: 0 0 12px; }
.example-list dt { font-weight: 700; color: var(--navy); margin-top: 12px; }
.example-list dd { margin: 2px 0 0; }

/* Who We Are bio + proof (A04, A09) */
.bio-headline { font-family: var(--serif); font-weight: 600; font-size: 1.2rem; color: var(--navy); line-height: 1.4; }
.proof-panel { margin-top: 24px; background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 0 10px 10px 0; padding: 20px 24px; }
.proof-panel h3 { font-size: 1.1rem; margin-bottom: 10px; }
.proof-panel ul { margin: 0 0 12px; padding-left: 1.2em; }
.proof-panel li { margin-bottom: 6px; }
.proof-panel p { margin: 0; font-size: .95rem; }

/* Expandable FAQ and document list (S11, P03) */
.faq details, .doc-list { border: 1px solid var(--line); border-radius: 10px; background: #fff; margin-bottom: 12px; }
.faq summary, .doc-list summary { cursor: pointer; padding: 16px 20px; font-weight: 600; color: var(--navy); list-style: none; position: relative; padding-right: 48px; }
.faq summary::-webkit-details-marker, .doc-list summary::-webkit-details-marker { display: none; }
.faq summary::after, .doc-list summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); font-size: 1.4rem; color: var(--gold); }
.faq details[open] summary::after, .doc-list[open] summary::after { content: "−"; }
.faq details p { padding: 0 20px 16px; margin: 0; }
.doc-list { margin: 8px 0 16px; }
.doc-list .check-list { padding: 0 20px 8px; }

@media (max-width: 1100px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 760px) {
  .grid-4 { grid-template-columns: 1fr; }
  .review-panel, .lender-band { flex-direction: column; align-items: flex-start; padding: 24px; }
  .example-card { padding: 24px; }
}
@media print {
  .faq details, .doc-list { break-inside: avoid; }
  .faq details:not([open]) p { display: block; }
  .review-panel, .lender-band, .example-card, .proof-panel { break-inside: avoid; }
}