/* ==========================================================================
   CORDIW ESCROW — stylesheet
   Flat, institutional design. No glass, no glow, no decorative gradients.
   ========================================================================== */

:root {
  --navy:        #00005b;
  --navy-dark:   #000040;
  --navy-deep:   #00002c;
  --blue:        #2f5fd0;
  --blue-soft:   #eaeef8;
  --ink:         #16181d;
  --ink-2:       #454a55;
  --ink-3:       #6b7180;
  --line:        #d6d9e0;
  --line-2:      #e8eaef;
  --paper:       #ffffff;
  --paper-2:     #f5f6f9;
  --paper-3:     #eceef3;
  --gold:        #9a7b26;
  --red:         #a3241f;
  --green:       #1d6b45;

  --wrap:        1180px;
  --radius:      2px;

  --sans: "Helvetica Neue", Helvetica, Arial, "Segoe UI", Roboto, sans-serif;
  --serif: Georgia, "Times New Roman", Times, serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-2);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5 {
  margin: 0 0 .6em;
  color: var(--ink);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -.01em;
}

h1 { font-size: 2.6rem; }
h2 { font-size: 1.95rem; }
h3 { font-size: 1.2rem; }
h4 { font-size: 1rem; }

p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }

a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; height: auto; display: block; }

ul, ol { margin: 0 0 1.1em; padding-left: 1.15em; }
li { margin-bottom: .4em; }

hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }

strong { color: var(--ink); }

:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy);
  color: #fff;
  padding: 10px 16px;
  z-index: 200;
}
.skip-link:focus { left: 0; }

/* --------------------------------------------------------------- top bar */

.topbar {
  background: var(--navy);
  color: #c8cbe4;
  font-size: .8rem;
  border-bottom: 1px solid var(--navy-dark);
}
.topbar__inner {
  display: flex;
  align-items: center;
  gap: 22px;
  min-height: 38px;
}
.topbar__spacer { flex: 1; }
.topbar__item { color: #c8cbe4; }
.topbar a.topbar__item:hover { color: #fff; }
.topbar__item--strong { color: #fff; font-weight: 700; letter-spacing: .02em; }

/* -------------------------------------------------------------- masthead */

.masthead {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 100;
}
.masthead__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 84px;
}
.brand img { width: 210px; height: auto; }

.navtoggle {
  display: none;
  align-items: center;
  gap: 9px;
  background: none;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 9px 13px;
  font: inherit;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--navy);
  cursor: pointer;
}
.navtoggle__bars,
.navtoggle__bars::before,
.navtoggle__bars::after {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--navy);
  content: "";
  position: relative;
}
.navtoggle__bars::before { top: -6px; position: absolute; }
.navtoggle__bars::after  { top: 6px;  position: absolute; }

.nav__list {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav__item { margin: 0; position: relative; }

.nav__link {
  display: block;
  padding: 10px 13px;
  font-size: .92rem;
  font-weight: 600;
  color: var(--ink);
  border-bottom: 2px solid transparent;
  background: none;
  border-top: 0; border-left: 0; border-right: 0;
  font-family: inherit;
  cursor: pointer;
}
.nav__link:hover,
.nav__link.is-active {
  color: var(--navy);
  border-bottom-color: var(--navy);
  text-decoration: none;
}
.nav__disclosure::after {
  content: "";
  display: inline-block;
  margin-left: 7px;
  border: 4px solid transparent;
  border-top-color: currentColor;
  transform: translateY(2px);
}
.nav__item--cta { margin-left: 10px; }

.submenu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  width: 560px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 3px solid var(--navy);
  padding: 8px;
}
.nav__item--has-menu.is-open .submenu { display: grid; grid-template-columns: 1.15fr 1fr; }
.submenu__list { list-style: none; margin: 0; padding: 8px; }
.submenu__list li { margin: 0; }
.submenu__list a {
  display: block;
  padding: 9px 12px;
  color: var(--ink);
  font-size: .92rem;
  font-weight: 600;
  border-left: 2px solid transparent;
}
.submenu__list a:hover {
  background: var(--paper-2);
  border-left-color: var(--navy);
  text-decoration: none;
}
.submenu__aside {
  background: var(--paper-2);
  border-left: 1px solid var(--line-2);
  padding: 18px;
  font-size: .86rem;
  line-height: 1.55;
}
.submenu__kicker {
  margin: 0 0 .4em;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .11em;
  color: var(--ink-3);
  font-weight: 700;
}

/* --------------------------------------------------------------- buttons */

.btn {
  display: inline-block;
  padding: 14px 26px;
  font-size: .93rem;
  font-weight: 700;
  letter-spacing: .02em;
  border: 1px solid transparent;
  border-radius: var(--radius);
  cursor: pointer;
  font-family: inherit;
  text-align: center;
  transition: background-color .12s linear, color .12s linear, border-color .12s linear;
}
.btn:hover { text-decoration: none; }
.btn--sm { padding: 10px 18px; font-size: .86rem; }
.btn--lg { padding: 16px 34px; font-size: 1rem; }
.btn--block { display: block; width: 100%; }

.btn--primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn--primary:hover { background: var(--navy-dark); border-color: var(--navy-dark); color: #fff; }

.btn--outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: #fff; }

.btn--ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn--ghost-light:hover { background: #fff; color: var(--navy); border-color: #fff; }

.btn--light { background: #fff; color: var(--navy); border-color: #fff; }
.btn--light:hover { background: var(--paper-3); color: var(--navy); }

/* --------------------------------------------------------------- helpers */

.eyebrow {
  display: block;
  margin-bottom: 14px;
  font-size: .74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .16em;
  color: var(--blue);
}
.eyebrow--light { color: #9fb0e0; }

.section { padding: 78px 0; }
.section--tight { padding: 54px 0; }
.section--alt { background: var(--paper-2); border-top: 1px solid var(--line-2); border-bottom: 1px solid var(--line-2); }
.section--navy { background: var(--navy); color: #c9cde3; }
.section--navy h2, .section--navy h3, .section--navy h4 { color: #fff; }

/* Light components dropped inside a dark section keep their own colours. */
.section--navy .panel,
.section--navy .card,
.section--navy .infobox,
.section--navy .accordion,
.section--navy .notice,
.section--navy .toc,
.section--navy .table-wrap,
.hero .panel,
.hero .card,
.pagehead .panel { color: var(--ink-2); }

.section--navy .panel h2, .section--navy .panel h3, .section--navy .panel h4,
.section--navy .card h2,  .section--navy .card h3,  .section--navy .card h4,
.section--navy .infobox h2, .section--navy .infobox h3,
.section--navy .notice h3, .section--navy .toc h3,
.hero .panel h2, .hero .panel h3,
.hero .card h2, .hero .card h3 { color: var(--ink); }

.section--navy .panel a:not(.btn),
.section--navy .card a:not(.btn),
.section--navy .infobox a:not(.btn),
.hero .panel a:not(.btn) { color: var(--navy); }

.section--navy .panel .field__label,
.section--navy .panel dt,
.hero .panel .field__label,
.hero .panel dt { color: var(--ink); }

.section--navy .panel .panel__sub,
.section--navy .panel .field__hint,
.section--navy .card .muted,
.hero .panel .panel__sub,
.hero .panel .field__hint { color: var(--ink-3); }

.section__head { max-width: 720px; margin-bottom: 44px; }
.section__head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section__lead { font-size: 1.06rem; color: var(--ink-2); margin: 0; }

.lead { font-size: 1.12rem; line-height: 1.6; color: var(--ink-2); }

.rule { width: 54px; height: 3px; background: var(--navy); margin: 0 0 22px; }
.rule--center { margin-left: auto; margin-right: auto; }
.rule--light { background: #6f7cc0; }

.muted { color: var(--ink-3); }
.small { font-size: .87rem; }
.center { text-align: center; }
.nowrap { white-space: nowrap; }
.hide-sm { display: table-cell; }

/* ------------------------------------------------------------------- hero */

.hero {
  position: relative;
  background: var(--navy);
  color: #e3e7f4;
  border-bottom: 4px solid var(--blue);
  isolation: isolate;
}
.hero__media {
  position: absolute;
  inset: 0;
  z-index: -1;
  background-image: url("../img/hero.jpg");
  background-size: cover;
  background-position: 62% 42%;
  background-repeat: no-repeat;
}
.hero__media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 71, .68);
}
.hero__inner {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 60px;
  align-items: center;
  padding: 90px 24px 96px;
}
.hero h1 { color: #fff; font-size: 3rem; letter-spacing: -.02em; }
.hero__text { font-size: 1.1rem; max-width: 33em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

/* ------------------------------------------------------- quote/calc panel */

.panel {
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 4px solid var(--navy);
  padding: 30px;
  color: var(--ink-2);
}
.panel__title { font-size: 1.15rem; margin-bottom: 4px; }
.panel__sub { font-size: .88rem; color: var(--ink-3); margin-bottom: 22px; }

.field { margin-bottom: 18px; }
.field__label {
  display: block;
  margin-bottom: 6px;
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--ink);
}
.field__hint { font-size: .8rem; color: var(--ink-3); margin-top: 6px; }

input[type=text], input[type=email], input[type=tel], input[type=number],
select, textarea {
  width: 100%;
  padding: 12px 13px;
  font: inherit;
  font-size: .95rem;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
input:focus, select:focus, textarea:focus {
  border-color: var(--navy);
  outline: 1px solid var(--navy);
  outline-offset: -2px;
}
textarea { min-height: 150px; resize: vertical; }
select { appearance: none; background-image: none; }

.input-money { display: flex; align-items: stretch; width: 100%; }
.input-money__prefix {
  display: flex;
  align-items: center;
  padding: 0 13px;
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-right: 0;
  font-weight: 700;
  color: var(--ink);
}
.input-money input { border-radius: 0; flex: 1 1 auto; width: auto; min-width: 0; }

.radio-row { display: flex; gap: 0; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.radio-row label {
  flex: 1 1 0;
  min-width: 0;
  text-align: center;
  padding: 11px 8px;
  font-size: .88rem;
  font-weight: 600;
  color: var(--ink-2);
  cursor: pointer;
  border-right: 1px solid var(--line);
  background: var(--paper);
}
.radio-row label:last-child { border-right: 0; }
.radio-row input { position: absolute; opacity: 0; pointer-events: none; }
.radio-row input:checked + span { color: #fff; }
.radio-row label:has(input:checked) { background: var(--navy); color: #fff; }

.result-line {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 11px 0;
  border-bottom: 1px solid var(--line-2);
  font-size: .93rem;
}
.result-line:last-of-type { border-bottom: 0; }
.result-line--total {
  border-top: 2px solid var(--navy);
  border-bottom: 0;
  margin-top: 6px;
  padding-top: 14px;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--ink);
}
.result-line dt { color: var(--ink-2); }
.result-line dd { margin: 0; font-weight: 600; color: var(--ink); }

/* ------------------------------------------------------------- steps flow */

.steps { counter-reset: step; display: grid; gap: 0; }
.step {
  display: grid;
  grid-template-columns: 76px 1fr;
  gap: 24px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line-2);
}
.step:last-child { border-bottom: 0; }
.step__num {
  counter-increment: step;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  color: #fff;
  font-size: 1.2rem;
  font-weight: 700;
  border-radius: var(--radius);
}
.step__num::before { content: counter(step, decimal-leading-zero); }
.step h3 { margin-bottom: .3em; }
.step p { margin: 0; }

.steps--horizontal {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  border: 1px solid var(--line);
  background: var(--paper);
}
.steps--horizontal .hstep {
  padding: 26px 22px;
  border-right: 1px solid var(--line);
}
.steps--horizontal .hstep:last-child { border-right: 0; }
.hstep__num {
  display: block;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .14em;
  color: var(--blue);
  margin-bottom: 10px;
}
.hstep h3 { font-size: 1rem; margin-bottom: .35em; }
.hstep p { font-size: .89rem; margin: 0; color: var(--ink-2); }

/* ----------------------------------------------------------------- cards */

.grid { display: grid; gap: 24px; }
/* Grid items default to min-width:auto, which lets wide tables blow out the page. */
.grid > * { min-width: 0; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--sidebar { grid-template-columns: 1.6fr 1fr; gap: 48px; align-items: start; }
.grid--split { grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.grid--founder { grid-template-columns: 340px 1fr; gap: 56px; align-items: center; }

.card {
  background: var(--paper);
  border: 1px solid var(--line);
  padding: 28px;
}
.card--alt { background: var(--paper-2); }
.card__icon { margin-bottom: 16px; color: var(--navy); }
.card__icon svg { width: 34px; height: 34px; display: block; }
.card h3 { font-size: 1.08rem; }
.card p { font-size: .93rem; margin: 0; }
.card__link {
  display: inline-block;
  margin-top: auto;
  padding-top: 16px;
  font-size: .85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--navy);
}
.card__link::after { content: " \2192"; }

a.card { display: flex; flex-direction: column; color: inherit; }
.card { display: flex; flex-direction: column; }
.card > p { margin-bottom: 0; }
a.card:hover { border-color: var(--navy); text-decoration: none; }

.service-block {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 40px;
  padding: 42px 0;
  border-bottom: 1px solid var(--line-2);
  scroll-margin-top: 130px;
}
.service-block:first-of-type { padding-top: 0; }
.service-block:last-of-type { border-bottom: 0; padding-bottom: 0; }
.service-block__label { font-size: .78rem; text-transform: uppercase; letter-spacing: .11em; color: var(--ink-3); font-weight: 700; }
.service-block h2 { font-size: 1.5rem; }
.service-block ul { margin-top: 1em; }
.service-block li { font-size: .95rem; }

.stat-band {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--line);
  background: var(--paper);
}
.stat {
  padding: 30px 26px;
  border-right: 1px solid var(--line);
  text-align: center;
}
.stat:last-child { border-right: 0; }
.stat__value { font-size: 2rem; font-weight: 700; color: var(--navy); line-height: 1.1; }
.stat__label { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-3); margin-top: 8px; }

.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 14px;
  font-size: .96rem;
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .42em;
  width: 12px;
  height: 7px;
  border-left: 2px solid var(--navy);
  border-bottom: 2px solid var(--navy);
  transform: rotate(-45deg);
}
.checklist--light li::before { border-color: #8fa3e0; }

.quote {
  border-left: 3px solid var(--navy);
  padding: 6px 0 6px 26px;
  font-family: var(--serif);
  font-size: 1.22rem;
  line-height: 1.55;
  color: var(--ink);
  font-style: italic;
}
.quote__cite { display: block; margin-top: 14px; font-family: var(--sans); font-size: .84rem; font-style: normal; color: var(--ink-3); letter-spacing: .04em; }

/* ------------------------------------------------------------ page header */

.pagehead {
  background: var(--navy);
  color: #b9c0dd;
  padding: 56px 0;
  border-bottom: 4px solid var(--blue);
}
.pagehead h1 { color: #fff; font-size: 2.4rem; margin-bottom: .25em; }
.pagehead p { max-width: 60ch; margin: 0; font-size: 1.03rem; }

.crumbs { font-size: .8rem; color: #8f9ac9; margin-bottom: 16px; letter-spacing: .04em; }
.crumbs a { color: #c9cde3; }
.crumbs span { padding: 0 8px; }

/* --------------------------------------------------------------- profiles */

.profile { display: grid; grid-template-columns: 300px 1fr; gap: 44px; align-items: start; }
.profile__photo { border: 1px solid var(--line); padding: 8px; background: var(--paper); }
.profile__photo img { width: 100%; }
.profile__meta { margin-top: 16px; font-size: .85rem; color: var(--ink-3); border-top: 1px solid var(--line-2); padding-top: 14px; }
.profile__name { font-size: 1.6rem; margin-bottom: .1em; }
.profile__role { font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; color: var(--blue); font-weight: 700; margin-bottom: 1.4em; }

/* ------------------------------------------------------------ fee tables */

.table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  max-width: 100%;
  border: 1px solid var(--line);
}
table.data {
  width: 100%;
  border-collapse: collapse;
  font-size: .94rem;
  background: var(--paper);
}
table.data th, table.data td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--line-2);
}
table.data thead th {
  background: var(--navy);
  color: #fff;
  font-size: .76rem;
  text-transform: uppercase;
  letter-spacing: .1em;
}
table.data tbody tr:last-child td { border-bottom: 0; }
table.data tbody tr:nth-child(even) { background: var(--paper-2); }
table.data td.num { text-align: right; font-variant-numeric: tabular-nums; }
table.data th.num { text-align: right; }

/* ------------------------------------------------------------- accordion */

.accordion { border: 1px solid var(--line); background: var(--paper); }
.acc__item { border-bottom: 1px solid var(--line-2); }
.acc__item:last-child { border-bottom: 0; }
.acc__btn {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  width: 100%;
  padding: 18px 22px;
  background: none;
  border: 0;
  font: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink);
  text-align: left;
  cursor: pointer;
}
.acc__btn:hover { background: var(--paper-2); }
.acc__sign { position: relative; width: 14px; height: 14px; flex: 0 0 14px; }
.acc__sign::before, .acc__sign::after {
  content: "";
  position: absolute;
  background: var(--navy);
  left: 0; top: 6px;
  width: 14px; height: 2px;
}
.acc__sign::after { transform: rotate(90deg); transition: transform .15s linear; }
.acc__btn[aria-expanded="true"] .acc__sign::after { transform: rotate(0deg); }
.acc__panel { padding: 0 22px 22px; font-size: .95rem; max-width: 78ch; }
.acc__panel[hidden] { display: none; }

/* ---------------------------------------------------------------- footer */

.footer { background: var(--navy); color: #a9b1d3; font-size: .9rem; }
.footer a { color: #d3d8ec; }
.footer a:hover { color: #fff; }
.footer__grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 44px;
  padding-top: 56px;
  padding-bottom: 46px;
}
.footer__brand img { width: 190px; margin-bottom: 20px; }
.footer__blurb { max-width: 38ch; line-height: 1.6; }
.footer__address { font-style: normal; margin-top: 18px; line-height: 1.9; }
.footer__head {
  color: #fff;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  margin-bottom: 16px;
}
.footer__head--spaced { margin-top: 28px; }
.footer__list { list-style: none; margin: 0; padding: 0; }
.footer__list li { margin-bottom: 9px; }
.footer__note { margin: 0; }
.footer__base { border-top: 1px solid rgba(255,255,255,.14); padding: 20px 0; font-size: .82rem; }
.footer__base-inner { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.footer__base p { margin: 0; }
.footer__disclaimer { max-width: 60ch; color: #8c95bb; }

/* --------------------------------------------------------------- notices */

.notice {
  padding: 16px 20px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--navy);
  background: var(--paper-2);
  font-size: .93rem;
  margin-bottom: 26px;
}
.notice--ok { border-left-color: var(--green); }
.notice--error { border-left-color: var(--red); }
.notice__title { font-weight: 700; color: var(--ink); display: block; margin-bottom: 4px; }
.notice ul { margin: .5em 0 0; }

.field-error { color: var(--red); font-size: .82rem; margin-top: 6px; }
.has-error input, .has-error select, .has-error textarea { border-color: var(--red); }

.honey { position: absolute; left: -9999px; }

/* ------------------------------------------------------------ info boxes */

.infobox {
  border: 1px solid var(--line);
  background: var(--paper-2);
  padding: 26px;
}
.infobox h3 { font-size: 1rem; }
.infobox dl { margin: 0; font-size: .92rem; }

.deflist { margin: 0; font-size: .92rem; color: var(--ink-2); }
.deflist dt {
  font-weight: 700;
  color: var(--ink);
  margin-top: 14px;
  font-size: .76rem;
  text-transform: uppercase;
  letter-spacing: .09em;
}
.deflist dt:first-child { margin-top: 0; }
.deflist dd { margin: 3px 0 0; }
.infobox dt { font-weight: 700; color: var(--ink); margin-top: 14px; font-size: .78rem; text-transform: uppercase; letter-spacing: .09em; }
.infobox dt:first-child { margin-top: 0; }
.infobox dd { margin: 3px 0 0; }

.map-embed { border: 1px solid var(--line); background: var(--paper-2); }
.map-embed iframe { display: block; width: 100%; height: 340px; border: 0; }

.prose { max-width: 76ch; }
.prose h2 { font-size: 1.4rem; margin-top: 2.2em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.05rem; margin-top: 1.8em; }
.prose li { font-size: .97rem; }

.doc-link-wrap { margin: 1.4em 0; }
.doc-link {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--navy);
  background: var(--paper-2);
  color: var(--ink);
  text-decoration: none;
}
.doc-link:hover { background: var(--paper-3); text-decoration: none; }
.doc-link__icon { color: var(--navy); display: flex; flex: 0 0 auto; }
.doc-link__title { display: block; font-weight: 700; color: var(--navy); }
.doc-link__meta { display: block; font-size: .82rem; color: var(--ink-3); margin-top: 2px; }

.toc { border: 1px solid var(--line); background: var(--paper-2); padding: 22px 26px; }
.toc h3 { font-size: .78rem; text-transform: uppercase; letter-spacing: .11em; color: var(--ink-3); }
.toc ul { list-style: none; margin: 0; padding: 0; font-size: .92rem; }
.toc li { margin-bottom: 8px; }

.sticky { position: sticky; top: 132px; }

/* --------------------------------------------------------- media queries */

@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; gap: 44px; padding-top: 56px; padding-bottom: 60px; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .grid--sidebar, .grid--split, .grid--founder { grid-template-columns: 1fr; gap: 40px; }
  .steps--horizontal { grid-template-columns: repeat(2, 1fr); }
  .steps--horizontal .hstep { border-bottom: 1px solid var(--line); }
  .stat-band { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .profile { grid-template-columns: 1fr; }
  .profile__photo { max-width: 300px; }
  .sticky { position: static; }
}

@media (max-width: 860px) {
  /* --- top bar: drop the strapline, keep the two contact points on one row --- */
  .topbar { font-size: .78rem; }
  .topbar__inner {
    justify-content: flex-start;
    gap: 0;
    min-height: 40px;
  }
  .topbar__spacer { display: none; }
  .topbar__item:first-child { display: none; }
  .topbar__item + .topbar__item { position: relative; padding-left: 14px; margin-left: 14px; }
  .topbar__item + .topbar__item::before {
    content: "";
    position: absolute;
    left: 0;
    top: 50%;
    width: 1px;
    height: 12px;
    margin-top: -6px;
    background: rgba(255,255,255,.28);
  }

  /* --- masthead --- */
  .masthead__inner {
    flex-wrap: wrap;
    align-content: flex-start;
    justify-content: space-between;
    min-height: 0;
    gap: 0 12px;
    padding-top: 24px;
    padding-bottom: 24px;
  }
  .brand img { width: 182px; }
  .navtoggle { display: inline-flex; padding: 10px 14px; }

  /* Dropped over the page instead of pushing it down. */
  .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    padding: 16px 18px 22px;
    background: var(--paper);
    border-bottom: 3px solid var(--navy);
    max-height: 80vh;
    overflow-y: auto;
    overscroll-behavior: contain;
    -webkit-overflow-scrolling: touch;
  }
  .nav.is-open { display: block; }
  .nav__list { flex-direction: column; align-items: stretch; gap: 0; }
  .nav__item { width: 100%; }
  .nav__link {
    padding: 15px 2px;
    border-bottom: 1px solid var(--line-2);
    border-top: 0;
    width: 100%;
    text-align: left;
    font-size: 1rem;
  }
  .nav__link:hover, .nav__link.is-active { border-bottom-color: var(--line-2); background: none; }
  .nav__disclosure { display: flex; align-items: center; justify-content: space-between; }
  .nav__disclosure::after { margin-left: auto; }
  .nav__item--cta { margin: 18px 0 0; }
  .nav__item--cta .btn { display: block; padding: 14px 18px; font-size: .95rem; }

  .submenu {
    position: static;
    width: auto;
    border: 0;
    border-left: 2px solid var(--navy);
    padding: 6px 0 6px 12px;
    margin: 4px 0 10px;
    background: var(--paper-2);
  }
  .nav__item--has-menu.is-open .submenu { grid-template-columns: 1fr; }
  .submenu__list { padding: 0; }
  .submenu__list a { padding: 10px 10px; }
  .submenu__aside { display: none; }

  .service-block { grid-template-columns: 1fr; gap: 16px; }
}

@media (max-width: 620px) {
  .wrap { padding-left: 18px; padding-right: 18px; }

  h1 { font-size: 1.95rem; }
  h2 { font-size: 1.45rem; }
  .hero h1 { font-size: 2rem; }
  .pagehead { padding: 38px 0; }
  .pagehead h1 { font-size: 1.75rem; }
  .pagehead p { font-size: .96rem; }

  .hero__inner { padding: 52px 18px 56px; gap: 34px; }
  .hero__text { font-size: 1rem; }
  .hero__actions { gap: 10px; }
  .hero__actions .btn { flex: 1 1 100%; }

  .section { padding: 46px 0; }
  .section--tight { padding: 34px 0; }
  .section__head { margin-bottom: 30px; }

  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
  .steps--horizontal { grid-template-columns: 1fr; }
  .steps--horizontal .hstep { border-right: 0; }
  .stat-band { grid-template-columns: 1fr; }
  .stat { border-right: 0; border-bottom: 1px solid var(--line); padding: 22px 18px; }
  .stat:last-child { border-bottom: 0; }
  .stat__value { font-size: 1.7rem; }
  .footer__grid { grid-template-columns: 1fr; gap: 30px; padding-top: 40px; padding-bottom: 34px; }
  .step { grid-template-columns: 1fr; gap: 12px; }
  .step__num { width: 46px; height: 46px; font-size: 1.05rem; }

  .panel { padding: 22px 18px; }
  .card { padding: 22px 18px; }
  .infobox { padding: 20px 18px; }
  .toc { padding: 20px 18px; }
  .notice { padding: 14px 16px; }

  .radio-row { flex-wrap: wrap; }
  .radio-row label { flex: 1 1 33%; font-size: .82rem; padding: 10px 4px; }

  .btn { padding: 13px 20px; }
  .btn--lg { padding: 14px 22px; font-size: .95rem; }

  .acc__btn { padding: 15px 16px; font-size: .95rem; }
  .acc__panel { padding: 0 16px 18px; }

  .quote { font-size: 1.08rem; padding-left: 18px; }
  .profile__name { font-size: 1.35rem; }

  table.data th, table.data td { padding: 11px 13px; font-size: .88rem; }

  .hide-sm { display: none; }
  .service-block { padding: 32px 0; scroll-margin-top: 90px; }
  .service-block .infobox dl { grid-template-columns: 1fr !important; gap: 12px !important; }
}

@media print {
  .topbar, .masthead, .footer, .navtoggle { display: none; }
  body { color: #000; }
}