/* ============================================================
   Essence Financial Freedom — Finance, Made Brilliantly Clear
   Palette: deep pine green · warm ivory · harvest gold
   Type: Fraunces (display) + Archivo (body)
   ============================================================ */

:root{
  --pine-950:#1C1020;
  --pine-900:#28162B;
  --pine-800:#38203D;
  --pine-700:#452348;
  --pine-500:#71385F;
  --gold-600:#A95745;
  --gold-500:#C77766;
  --gold-400:#D58D80;
  --gold-200:#F0C5B8;
  --paper:#F5EAE4;
  --paper-2:#EBDAD2;
  --card:#FDF8F3;
  --cream:#FFFFFF;
  --ink:#30212F;
  --muted:#796477;
  --line:rgba(48,33,47,.16);
  --line-soft:rgba(48,33,47,.09);
  --error:#A92F2F;
  --shadow:0 24px 50px -28px rgba(40,22,43,.45);
  --display:"Fraunces", Georgia, serif;
  --body:"Archivo", "Helvetica Neue", Arial, sans-serif;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:104px}
body{
  font-family:var(--body);
  background:var(--paper);
  color:var(--ink);
  line-height:1.65;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
/* paper grain */
body::before{
  content:"";position:fixed;inset:0;z-index:2000;pointer-events:none;opacity:.05;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.55'/%3E%3C/svg%3E");
}
::selection{background:var(--gold-400);color:#221503}
img,svg{display:block;max-width:100%}
a{color:inherit}
.container{width:min(1180px,92vw);margin-inline:auto}
.narrow{max-width:720px}

h1,h2,h3,h4{font-family:var(--display);font-weight:600;line-height:1.12;letter-spacing:-.01em}

.skip-link{position:absolute;left:-9999px;top:0;background:var(--pine-800);color:var(--paper);padding:.7rem 1.2rem;z-index:3000}
.skip-link:focus{left:12px;top:12px}

/* ---------- Reveal on scroll ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s cubic-bezier(.22,.9,.3,1)}
.reveal.in{opacity:1;transform:none}

/* ---------- Topbar + Header ---------- */
.topbar{background:var(--pine-950);color:rgba(243,239,227,.72);font-size:.78rem;letter-spacing:.04em}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;padding:.5rem 0;gap:1rem}
.topbar-tag{font-style:italic;font-family:var(--display)}
.topbar-links{display:flex;gap:.75rem;align-items:center}
.topbar-links a{text-decoration:none;transition:color .25s}
.topbar-links a:hover{color:var(--gold-400)}
.topbar-sep{color:var(--gold-500);font-size:.6rem}

.site-header{
  position:sticky;top:0;z-index:1000;
  background:rgba(243,239,227,.94);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
  transition:box-shadow .3s ease;
}
.site-header.scrolled{box-shadow:0 14px 30px -22px rgba(12,35,27,.5)}
.header-inner{display:flex;align-items:center;gap:2rem;padding:.85rem 0}
.brand{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--ink)}
.brand-mark{width:32px;height:32px;flex:none;transition:transform .4s ease}
.brand:hover .brand-mark{transform:rotate(-8deg)}
.brand-name{font-family:var(--display);font-weight:600;font-size:1.22rem;letter-spacing:-.01em}

.site-nav{margin-left:auto;display:flex;gap:1.7rem}
.site-nav a{
  position:relative;text-decoration:none;color:rgba(19,35,28,.78);
  font-size:.76rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  padding:.4rem 0;transition:color .25s;
}
.site-nav a::after{
  content:"";position:absolute;left:0;bottom:0;height:2px;width:100%;
  background:var(--gold-500);transform:scaleX(0);transform-origin:left;transition:transform .3s ease;
}
.site-nav a:hover{color:var(--ink)}
.site-nav a:hover::after,.site-nav a.active::after{transform:scaleX(1)}
.site-nav a.active{color:var(--ink)}

.header-actions{display:flex;align-items:center;gap:1rem}
.nav-toggle{display:none;background:none;border:0;width:40px;height:36px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px;padding:6px}
.nav-toggle span{display:block;height:2px;width:100%;background:var(--ink);transition:transform .3s ease,opacity .3s ease}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.65rem;
  font-family:var(--body);font-weight:600;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;
  padding:1.05rem 1.6rem;border-radius:2px;border:1px solid transparent;
  text-decoration:none;cursor:pointer;transition:background .3s,color .3s,border-color .3s,transform .3s;
}
.btn .arr{transition:transform .3s ease;font-size:.95em}
.btn:hover .arr{transform:translateX(5px)}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--pine-800);color:var(--paper)}
.btn-primary:hover{background:var(--gold-500);color:#241503}
.btn-ghost{border-color:rgba(19,35,28,.4);color:var(--ink);background:transparent}
.btn-ghost:hover{border-color:var(--ink);background:rgba(19,35,28,.06)}
.btn-gold{background:var(--gold-400);color:#241503}
.btn-gold:hover{background:var(--paper);color:var(--pine-900)}
.btn-sm{padding:.72rem 1.15rem}
.btn-block{width:100%}

.link-arrow{
  display:inline-flex;align-items:center;gap:.5rem;margin-top:1.6rem;
  font-weight:600;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--pine-700);text-decoration:none;border-bottom:2px solid var(--gold-500);padding-bottom:.3rem;
}
.link-arrow span{transition:transform .3s ease}
.link-arrow:hover span{transform:translateX(5px)}
.link-arrow.light{color:var(--gold-400)}

/* ---------- Kickers / titles ---------- */
.kicker{
  display:inline-flex;align-items:center;gap:.75rem;
  font-size:.7rem;font-weight:700;letter-spacing:.26em;text-transform:uppercase;color:var(--pine-700);
  margin-bottom:1.1rem;
}
.kicker::before{content:"";width:34px;height:2px;background:var(--gold-500)}
.kicker.light{color:var(--gold-400)}

.sec-title{font-size:clamp(1.9rem,3.6vw,2.9rem);margin-bottom:1rem}
.sec-title em,h1 em,.page-title em{font-style:italic;color:var(--gold-600)}
.dark .sec-title em{color:var(--gold-400)}
.sec-lead{color:var(--muted);max-width:62ch}
.sec-lead + .sec-lead{margin-top:1rem}
.sec-head{max-width:760px;margin-bottom:clamp(2.2rem,5vw,3.6rem)}

.section{padding:clamp(4.2rem,8.5vw,7rem) 0;position:relative}
.section-alt{background:var(--paper-2)}
.section-deep{background:linear-gradient(180deg,var(--paper) 0%,var(--paper-2) 100%)}
.section.dark{background:var(--pine-900);color:var(--paper)}
.section.dark .sec-lead{color:rgba(243,239,227,.72)}

/* ---------- Hero (home) ---------- */
.hero{position:relative;overflow:hidden;padding:clamp(3.6rem,7vw,6rem) 0 clamp(3.4rem,6vw,5.2rem);background:
  radial-gradient(720px 420px at 85% 8%,rgba(227,166,63,.16),transparent 62%),var(--paper)}
.hero-rings{position:absolute;right:-160px;top:-140px;width:560px;height:560px;color:var(--pine-800);opacity:.14;pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:clamp(2rem,5vw,4.5rem);align-items:start;position:relative}
.hero h1{font-size:clamp(2.7rem,5.8vw,4.5rem);line-height:1.02;margin:.4rem 0 1.4rem}
.hero .lead{color:var(--muted);font-size:1.06rem;max-width:52ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:.9rem;margin-top:2.1rem}
.hero-cue{display:flex;align-items:center;gap:.85rem;margin-top:3rem;color:var(--muted);font-size:.72rem;letter-spacing:.26em;text-transform:uppercase}
.cue-line{position:relative;width:2px;height:44px;background:var(--line);overflow:hidden}
.cue-line::after{content:"";position:absolute;left:0;top:-40%;width:100%;height:40%;background:var(--gold-500);animation:cueDrop 2.2s ease-in-out infinite}
@keyframes cueDrop{0%{top:-40%}70%,100%{top:110%}}

.hero-side{position:relative}
.ledger{background:var(--card);border:1px solid var(--line);box-shadow:var(--shadow)}
.ledger-head{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;padding:1.05rem 1.35rem;border-bottom:1px solid var(--line)}
.ledger-title{font-family:var(--display);font-style:italic;font-size:1.05rem}
.ledger-tag{font-size:.66rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-600)}
.ledger-row{
  display:flex;align-items:baseline;gap:.65rem;padding:.66rem 1.35rem;
  border-bottom:1px dashed var(--line-soft);text-decoration:none;
  transition:background .25s ease,padding-left .25s ease;
}
.ledger-row:hover{background:rgba(227,166,63,.12);padding-left:1.65rem}
.lr-num{font-size:.66rem;font-weight:700;letter-spacing:.1em;color:var(--gold-600)}
.lr-name{font-weight:600;font-size:.93rem}
.lr-label{color:var(--muted);font-size:.78rem}
.lr-dots{flex:1;border-bottom:2px dotted rgba(19,35,28,.28);transform:translateY(-4px);min-width:14px}
.lr-count{font-family:var(--display);font-size:1.02rem;color:var(--pine-800)}
.ledger-foot{padding:.9rem 1.35rem;font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}

.stamp{
  position:absolute;top:-26px;right:-14px;transform:rotate(6deg);
  border:1.5px solid var(--gold-500);color:var(--gold-600);border-radius:999px;
  padding:.55rem 1rem;font-size:.62rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;
  background:var(--paper);box-shadow:var(--shadow);
}

/* ---------- Ticker ---------- */
.ticker{background:var(--pine-900);color:var(--gold-200);overflow:hidden;border-block:1px solid var(--pine-950)}
.ticker-track{display:flex;width:max-content;animation:ticker 30s linear infinite}
.ticker:hover .ticker-track{animation-play-state:paused}
.ticker-track span{
  font-family:var(--display);font-style:italic;font-size:1.05rem;
  padding:.85rem 0;white-space:nowrap;
}
.ticker-track i{font-style:normal;color:var(--gold-500);padding:0 1.1rem}
@keyframes ticker{to{transform:translateX(-50%)}}

/* ---------- About preview ---------- */
.about-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2.4rem,6vw,5rem);align-items:start}
.trait-list{border-top:1px solid var(--line)}
.trait{display:grid;grid-template-columns:132px 1fr;gap:1.2rem;padding:1.35rem 0;border-bottom:1px solid var(--line);align-items:baseline}
.trait-word{font-family:var(--display);font-style:italic;font-size:1.55rem;color:var(--pine-800)}
.trait p{color:var(--muted);font-size:.95rem}

/* ---------- Services preview grid ---------- */
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.svc-card{
  display:flex;flex-direction:column;gap:.7rem;background:var(--card);
  padding:1.7rem 1.5rem 1.5rem;text-decoration:none;color:var(--ink);
  transition:transform .3s ease,background .3s ease,box-shadow .3s ease;position:relative;
}
.svc-card:hover{background:var(--cream);transform:translateY(-4px);box-shadow:var(--shadow);z-index:2}
.svc-top{display:flex;align-items:center;gap:.7rem}
.svc-num{font-size:.66rem;font-weight:700;letter-spacing:.12em;color:var(--gold-600)}
.svc-verb{font-size:.62rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;border:1px solid var(--line);padding:.28rem .55rem;border-radius:999px;color:var(--pine-700)}
.svc-count{margin-left:auto;font-size:.7rem;color:var(--muted)}
.svc-card h3{font-size:1.32rem}
.svc-card p{color:var(--muted);font-size:.9rem;flex:1}
.svc-link{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--pine-700);display:inline-flex;gap:.45rem;align-items:center}
.svc-card:hover .svc-link{color:var(--gold-600)}
.svc-link span{transition:transform .3s ease}
.svc-card:hover .svc-link span{transform:translateX(4px)}

/* ---------- Steps (why us) ---------- */
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}
.step{
  border:1px solid rgba(243,239,227,.16);background:rgba(255,255,255,.035);
  padding:1.9rem 1.6rem;transition:transform .3s ease,background .3s ease,border-color .3s ease;
}
.step:hover{transform:translateY(-5px);background:rgba(255,255,255,.07);border-color:rgba(227,166,63,.5)}
.step-num{font-family:var(--display);font-style:italic;font-size:2.5rem;color:var(--gold-400);display:block;margin-bottom:.8rem}
.step h3{font-size:1.16rem;margin-bottom:.6rem}
.step p{font-size:.9rem;color:rgba(243,239,227,.72)}

/* ---------- Stories ---------- */
.quotes-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem}
.quote-card{
  background:var(--card);border:1px solid var(--line);padding:2.2rem 1.8rem 1.7rem;
  position:relative;display:flex;flex-direction:column;gap:1.4rem;
  transition:transform .3s ease,box-shadow .3s ease;
}
.quote-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.quote-card::before{
  content:"“";position:absolute;top:-6px;left:14px;
  font-family:var(--display);font-size:4.6rem;color:var(--gold-400);line-height:1;
}
.quote-card blockquote{font-family:var(--display);font-size:1.08rem;line-height:1.55;flex:1}
.quote-card figcaption{display:flex;align-items:center;gap:.85rem;border-top:1px dashed var(--line);padding-top:1.1rem}
.q-chip{
  width:42px;height:42px;flex:none;display:grid;place-items:center;border-radius:50%;
  background:var(--pine-800);color:var(--gold-200);font-weight:700;font-size:.78rem;letter-spacing:.06em;
}
.quote-card strong{display:block;font-size:.95rem}
.quote-card small{color:var(--muted);font-size:.78rem}

/* ---------- FAQ ---------- */
.faq-wrap{max-width:860px}
.faq-list{border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{
  width:100%;background:none;border:0;cursor:pointer;text-align:left;
  display:flex;justify-content:space-between;align-items:center;gap:1.4rem;
  padding:1.35rem .2rem;font-family:var(--display);font-size:1.16rem;color:var(--ink);
  transition:color .25s;
}
.faq-q:hover{color:var(--pine-700)}
.faq-icon{position:relative;width:14px;height:14px;flex:none}
.faq-icon::before,.faq-icon::after{content:"";position:absolute;background:var(--gold-600);transition:transform .35s ease}
.faq-icon::before{left:0;top:6px;width:14px;height:2px}
.faq-icon::after{left:6px;top:0;width:2px;height:14px}
.faq-item.open .faq-icon::after{transform:rotate(90deg)}
.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .45s ease}
.faq-a > div{overflow:hidden}
.faq-a p{color:var(--muted);padding:0 .2rem 1.4rem;max-width:66ch}
.faq-item.open .faq-a{grid-template-rows:1fr}

/* ---------- Contact split / brief card ---------- */
.contact-split{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(2.2rem,5vw,4.5rem);align-items:start}
.info-ledger{margin:1.8rem 0 2.2rem;border-top:1px solid var(--line)}
.info-row{display:grid;grid-template-columns:150px 1fr;gap:1rem;padding:.95rem 0;border-bottom:1px solid var(--line)}
.info-row dt{font-size:.68rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);padding-top:.25rem}
.info-row dd{font-weight:500}
.info-row a{color:var(--pine-700);text-decoration:none;border-bottom:1px solid var(--gold-500)}
.info-row a:hover{color:var(--gold-600)}

.brief-card{
  background:var(--pine-900);color:var(--paper);padding:2.4rem 2.2rem;position:relative;overflow:hidden;
  box-shadow:var(--shadow);
}
.brief-card::after{
  content:"";position:absolute;right:-90px;bottom:-90px;width:260px;height:260px;border-radius:50%;
  border:1px dashed rgba(227,166,63,.4);
}
.brief-card h3{font-size:1.6rem;margin-bottom:.9rem}
.brief-card p{color:rgba(243,239,227,.75);font-size:.95rem;margin-bottom:1.8rem}

/* ---------- Page hero (sub pages) ---------- */
.page-hero{
  position:relative;overflow:hidden;background:var(--pine-900);color:var(--paper);
  padding:clamp(3.6rem,7vw,5.6rem) 0;
}
.page-hero .hero-rings{color:var(--gold-400);opacity:.12;right:-140px;top:-180px}
.page-title{font-size:clamp(2.3rem,4.8vw,3.6rem);margin:.3rem 0 1.2rem;max-width:22ch}
.page-title em{color:var(--gold-400)}
.page-lead{color:rgba(243,239,227,.76);max-width:64ch;font-size:1.03rem}

/* ---------- Word band (about) ---------- */
.word-band{background:var(--gold-400);color:#241503;padding:2.4rem 0}
.word-band p{display:flex;flex-wrap:wrap;gap:.4rem 2.4rem;font-family:var(--display);font-size:clamp(1.7rem,4vw,2.8rem)}
.word-band span{font-style:italic}
.word-band span:nth-child(2){font-style:normal;font-weight:700;letter-spacing:.02em}

/* ---------- Services page ---------- */
.svc-layout{display:grid;grid-template-columns:236px 1fr;gap:clamp(2rem,4.5vw,4rem);padding:clamp(3rem,6vw,4.6rem) 0}
.svc-index{position:sticky;top:118px;align-self:start;display:flex;flex-direction:column;border-left:1px solid var(--line)}
.svc-index a{
  display:flex;gap:.8rem;align-items:baseline;padding:.72rem 1rem;text-decoration:none;
  color:var(--muted);font-size:.86rem;font-weight:500;border-left:2px solid transparent;
  margin-left:-1px;transition:color .25s,border-color .25s,background .25s;
}
.svc-index a span{font-size:.64rem;font-weight:700;letter-spacing:.12em;color:var(--gold-600)}
.svc-index a:hover{color:var(--ink);background:rgba(227,166,63,.09)}
.svc-index a.active{color:var(--ink);border-left-color:var(--gold-500);background:rgba(227,166,63,.12);font-weight:600}

.svc-block{padding:2.6rem 0;border-top:1px solid var(--line)}
.svc-block:first-child{border-top:0;padding-top:0}
.svc-title{font-size:clamp(1.8rem,3vw,2.5rem);margin-bottom:.7rem}
.svc-subtitle{font-style:italic;font-family:var(--display);font-size:1.25rem;color:var(--gold-600);margin-bottom:.5rem;font-weight:500}
.svc-intro{color:var(--muted);max-width:70ch;margin-bottom:2rem}
.svc-items{display:grid;grid-template-columns:1fr 1fr;gap:1.15rem}
.svc-item{
  background:var(--card);border:1px solid var(--line);padding:1.6rem 1.5rem;
  transition:transform .3s ease,border-color .3s ease,box-shadow .3s ease;
}
.svc-item:hover{transform:translateY(-3px);border-color:rgba(212,140,46,.65);box-shadow:var(--shadow)}
.svc-item h3{font-size:1.14rem;margin-bottom:.55rem}
.svc-item p{font-size:.9rem;color:var(--muted)}

.svc-cta{
  margin-top:2.6rem;background:var(--pine-900);color:var(--paper);
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.6rem;
  padding:2.2rem 2.2rem;
}
.svc-cta h3{font-size:1.5rem;margin-bottom:.35rem}
.svc-cta p{color:rgba(243,239,227,.72);font-size:.94rem;max-width:52ch}
.svc-cta .btn-primary{background:var(--gold-400);color:#241503}
.svc-cta .btn-primary:hover{background:var(--paper);color:var(--pine-900)}

/* ---------- Contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(2rem,4.5vw,3.6rem);align-items:start}
.contact-aside{display:flex;flex-direction:column;gap:1.3rem}
.aside-card{background:var(--card);border:1px solid var(--line);padding:1.9rem 1.7rem}
.aside-card h3{font-size:1.2rem;margin-bottom:1.1rem}
.aside-card .info-ledger{margin:0}
.aside-dark{background:var(--pine-900);border-color:var(--pine-900);color:var(--paper)}
.aside-dark h3{color:var(--gold-400)}
.aside-dark p{color:rgba(243,239,227,.76);font-size:.92rem;margin-bottom:1.2rem}

/* ---------- Forms ---------- */
.form-card{background:var(--card);border:1px solid var(--line);padding:clamp(1.7rem,3.5vw,2.6rem);box-shadow:var(--shadow)}
.form-title{font-size:1.5rem;margin-bottom:1.6rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.field{margin-bottom:1.15rem}
.field label{display:block;font-size:.68rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--pine-700);margin-bottom:.5rem}
.field input,.field textarea{
  width:100%;background:var(--cream);border:1px solid var(--line);border-radius:2px;
  padding:.9rem 1rem;font-family:var(--body);font-size:.95rem;color:var(--ink);
  transition:border-color .25s,box-shadow .25s;
}
.field textarea{resize:vertical;min-height:130px}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--pine-700);box-shadow:0 0 0 3px rgba(227,166,63,.28)}
.field.has-error input,.field.has-error textarea{border-color:var(--error);box-shadow:0 0 0 3px rgba(178,60,42,.14)}
.field-msg{font-size:.76rem;color:var(--error);margin-top:.4rem;min-height:1em}
.form-foot{margin-top:1.2rem;font-size:.84rem;color:var(--muted)}
.form-foot a{color:var(--pine-700);font-weight:600}

.consent{display:flex;gap:.75rem;align-items:flex-start;cursor:pointer;text-transform:none;letter-spacing:normal;font-weight:400 !important;font-size:.88rem !important;color:var(--muted) !important}
.consent input{width:17px;height:17px;margin-top:.2rem;accent-color:var(--pine-800);flex:none}

/* ---------- Legal pages ---------- */
.legal-wrap{max-width:900px}
.legal-sec{display:grid;grid-template-columns:64px 1fr;gap:1.4rem;padding:1.7rem 0;border-top:1px solid var(--line)}
.legal-sec:first-child{border-top:0;padding-top:0}
.legal-num{font-family:var(--display);font-style:italic;font-size:1.7rem;color:var(--gold-600)}
.legal-sec h2{font-size:1.28rem;margin-bottom:.55rem}
.legal-sec p{color:var(--muted);font-size:.95rem}

/* ---------- CTA strip ---------- */
.cta-strip{background:var(--pine-900);color:var(--paper);padding:clamp(3rem,6vw,4.6rem) 0}
.cta-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.8rem}
.cta-inner .sec-title{margin-bottom:0}
.cta-inner .kicker{color:var(--gold-400)}

/* ---------- Footer ---------- */
.site-footer{background:var(--pine-950);color:rgba(240,236,224,.78);padding-top:clamp(3.4rem,6vw,5rem)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.15fr;gap:clamp(2rem,4vw,3.4rem);padding-bottom:3rem}
.footer-brand-link{color:var(--paper);margin-bottom:1.1rem}
.footer-blurb{font-size:.92rem;max-width:34ch;margin-bottom:1.4rem}
.footer-contact{list-style:none;font-size:.86rem;display:flex;flex-direction:column;gap:.55rem}
.footer-contact li{display:flex;gap:.7rem}
.footer-contact span{flex:none;width:96px;font-size:.64rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-500);padding-top:.2rem}
.footer-contact a{color:inherit;text-decoration:none;border-bottom:1px solid rgba(227,166,63,.4)}
.footer-contact a:hover{color:var(--gold-400)}
.footer-col h3{font-family:var(--body);font-size:.7rem;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-400);margin-bottom:1.1rem}
.footer-col a{display:block;text-decoration:none;color:rgba(240,236,224,.78);padding:.32rem 0;font-size:.92rem;transition:color .25s,padding-left .25s}
.footer-col a:hover{color:var(--gold-400);padding-left:6px}
.footer-note{font-size:.9rem;margin-bottom:1rem}
.footer-inline{display:inline-flex !important;gap:.5rem;align-items:center;font-weight:600;color:var(--gold-400) !important}
.footer-bottom{
  border-top:1px solid rgba(240,236,224,.14);padding:1.3rem 0;
  display:flex;flex-wrap:wrap;gap:.8rem 2rem;justify-content:space-between;font-size:.8rem;color:rgba(240,236,224,.55);
}
.footer-legal{display:flex;gap:1.4rem}
.footer-legal a{color:inherit;text-decoration:none}
.footer-legal a:hover{color:var(--gold-400)}

/* ---------- Toasts ---------- */
.toast-region{position:fixed;bottom:1.3rem;right:1.3rem;z-index:4000;display:flex;flex-direction:column;gap:.7rem;width:min(380px,calc(100vw - 2rem))}
.toast{
  position:relative;background:var(--pine-900);color:var(--paper);
  border-left:4px solid var(--gold-400);padding:1rem 2.6rem 1rem 1.15rem;
  box-shadow:0 24px 46px -20px rgba(8,23,18,.6);
  opacity:0;transform:translateX(30px);transition:opacity .4s ease,transform .4s cubic-bezier(.22,.9,.3,1);
}
.toast.show{opacity:1;transform:none}
.toast.error{border-left-color:var(--error)}
.toast strong{display:block;font-family:var(--display);font-style:italic;font-size:1.02rem;margin-bottom:.25rem;color:var(--gold-200)}
.toast.error strong{color:#f0b5a8}
.toast p{font-size:.86rem;color:rgba(243,239,227,.85)}
.toast-close{
  position:absolute;top:.55rem;right:.6rem;background:none;border:0;color:rgba(243,239,227,.6);
  font-size:1.15rem;line-height:1;cursor:pointer;padding:.2rem;transition:color .25s;
}
.toast-close:hover{color:var(--paper)}

/* ---------- Responsive ---------- */
@media (max-width:1060px){
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .steps-grid{grid-template-columns:repeat(2,1fr)}
  .quotes-grid{grid-template-columns:1fr;max-width:640px}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:940px){
  .hero-grid,.about-grid,.contact-split,.contact-grid{grid-template-columns:1fr}
  .hero-side{max-width:560px}
  .stamp{right:6px}
  .svc-layout{grid-template-columns:1fr}
  .svc-index{
    position:static;flex-direction:row;overflow-x:auto;border-left:0;border-top:1px solid var(--line);
    padding-bottom:.6rem;gap:.2rem;
  }
  .svc-index a{border-left:0;border-top:2px solid transparent;margin:-1px 0 0;white-space:nowrap}
  .svc-index a.active{border-top-color:var(--gold-500)}
  .svc-index::-webkit-scrollbar{height:5px}
  .svc-index::-webkit-scrollbar-thumb{background:var(--line)}

  .site-nav{
    position:fixed;top:0;left:0;right:0;z-index:-1;
    display:flex;flex-direction:column;gap:.2rem;
    background:var(--paper);border-bottom:1px solid var(--line);
    padding:6.4rem 4vw 1.6rem;
    transform:translateY(-110%);transition:transform .4s cubic-bezier(.22,.9,.3,1);
    box-shadow:0 30px 40px -30px rgba(12,35,27,.4);
  }
  .site-nav.open{transform:translateY(0)}
  .site-nav a{padding:.75rem 0;font-size:.85rem;border-bottom:1px dashed var(--line-soft)}
  .nav-toggle{display:flex}
}
@media (max-width:640px){
  .topbar-links{display:none}
  .svc-grid,.steps-grid,.svc-items,.form-row{grid-template-columns:1fr}
  .trait{grid-template-columns:1fr;gap:.35rem}
  .info-row{grid-template-columns:1fr;gap:.25rem}
  .legal-sec{grid-template-columns:1fr;gap:.4rem}
  .footer-grid{grid-template-columns:1fr}
  .btn-sm{padding:.65rem .9rem;font-size:.7rem}
  .toast-region{left:1rem;right:1rem;width:auto}
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none !important;transition:none !important}
  .reveal{opacity:1;transform:none}
}