/*
 * service.css  —  Ace One SMSF Services  (Enhanced Edition)
 *
 * Design language: luxury financial brand
 *   Display:  Cormorant Garamond  — dramatic, mixed italic/upright
 *   Labels:   Cinzel              — uppercase, high tracking
 *   Body:     DM Sans             — clean, readable
 *   Palette:  deep navy + warm gold + white
 */

/* ─────────────────────────────────────────────────────────────────
   DESIGN TOKENS  (fallback-safe so file works without style.css)
────────────────────────────────────────────────────────────────── */
:root {
  --svc-navy:        #06090f;
  --svc-navy-mid:    #0b1220;
  --svc-navy-card:   #18263d;
  --svc-navy-hover:  #14243e;
  --svc-gold:        var(--gold, #c9a84c);
  --svc-gold-hi:     var(--gold-hi, #e8c76a);
  --svc-gold-pale:   #f0dfa0;
  --svc-gold-deep:   #8c6e1a;
  --svc-gold-rgb:    201, 168, 76;
  --svc-white:       #ffffff;
  --svc-off-white:   #d8e2f0;
  --svc-muted:       #5e7290;
  --svc-muted-hi:    #B9C2D3;
  --svc-line:        rgba(201, 168, 76, 0.15);
  --svc-line-mid:    rgba(255,255,255,0.08);
  --svc-display:     'Cormorant Garamond', Georgia, 'Times New Roman', serif;
  --svc-label:       var(--caps, 'Cinzel', Georgia, serif);
  --svc-body:        var(--sans, 'DM Sans', system-ui, sans-serif);
  --svc-ease:        var(--ease, cubic-bezier(.25,.46,.45,.94));
  --section-py:      80px;
  --container-px:    clamp(20px, 4vw, 40px);
}

/* ─────────────────────────────────────────────────────────────────
   SCROLL-REVEAL  (same pattern as main.js)
────────────────────────────────────────────────────────────────── */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.72s var(--svc-ease), transform 0.72s var(--svc-ease);
}
.animate-on-scroll[data-animation="fade-in"]  { transform: translateX(24px); }
.animate-on-scroll[data-animation="fade-down"]{ transform: translateY(-24px); }
.animate-on-scroll.is-visible {
  opacity: 1;
  transform: none;
}
.animate-on-scroll[data-delay="0"]   { transition-delay:   0ms; }
.animate-on-scroll[data-delay="100"] { transition-delay: 100ms; }
.animate-on-scroll[data-delay="200"] { transition-delay: 200ms; }
.animate-on-scroll[data-delay="300"] { transition-delay: 300ms; }
.animate-on-scroll[data-delay="400"] { transition-delay: 400ms; }
.animate-on-scroll[data-delay="500"] { transition-delay: 500ms; }
.animate-on-scroll[data-delay="600"] { transition-delay: 600ms; }

@media (prefers-reduced-motion: reduce) {
  .animate-on-scroll { opacity:1; transform:none; transition:none; }
}

/* ─────────────────────────────────────────────────────────────────
   SHARED LAYOUT
────────────────────────────────────────────────────────────────── */
.container {
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 var(--container-px);
}
.section { padding: var(--section-py) 0; }
.section--alt { background-color: var(--svc-navy-card); }
.section--dark { background-color: var(--svc-navy); }

/* ─── Eyebrow label ─── */
.eyebrow,
.page-banner__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--svc-label);
  font-size: 0.63rem;
  font-weight: 500;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--svc-gold);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: '';
  display: block;
  width: 32px;
  height: 1px;
  background: var(--svc-gold);
  opacity: 0.8;
}

/* ─── Section header ─── */
.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 70px;
}
.section-header__divider {
  width: 48px;
  height: 1.5px;
  background: linear-gradient(90deg, var(--svc-gold), var(--svc-gold-pale), var(--svc-gold));
  margin: 22px auto 0;
  border-radius: 2px;
  opacity: 0.8;
}

/* ─── Display heading style ─── */
.section-title {
  font-family: var(--svc-display);
  font-size: clamp(2rem, 3.5vw, 2.9rem);
  font-weight: 500;
  color: var(--svc-white);
  line-height: 1.18;
  letter-spacing: -0.01em;
  margin: 0 0 4px;
}
.section-title em {
  font-style: italic;
  color: var(--svc-gold);
  display: block;
  font-weight: 400;
}
.section-title.text-left { text-align: left; }

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--svc-label);
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 15px 34px;
  border-radius: 3px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.38s var(--svc-ease);
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}
.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0.06);
  opacity: 0;
  transition: opacity 0.3s ease;
}
.btn:hover::after { opacity: 1; }
.btn--primary {
  background: var(--svc-gold);
  color: var(--svc-navy);
  border-color: var(--svc-gold);
}
.btn--primary:hover,
.btn--primary:focus-visible {
  background: var(--svc-gold-hi);
  border-color: var(--svc-gold-hi);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(var(--svc-gold-rgb), 0.4);
  outline: none;
}
.btn--outline {
  background: transparent;
  color: var(--svc-white);
  border-color: rgba(255,255,255,0.28);
}
.btn--outline:hover,
.btn--outline:focus-visible {
  border-color: var(--svc-gold);
  color: #000000;
  transform: translateY(-2px);
  box-shadow: 0 4px 18px rgba(var(--svc-gold-rgb), 0.15);
  outline: none;
}

/* ─────────────────────────────────────────────────────────────────
   PAGE BANNER  —  dramatic hero
────────────────────────────────────────────────────────────────── */
.page-banner {
  position: relative;
  min-height: clamp(560px, 78vh, 820px);
  display: flex;
  align-items: flex-end;
  background-size: cover;
  background-position: center 40%;
  background-repeat: no-repeat;
  background-attachment: fixed;
  overflow: hidden;
  will-change: background-position;
}

.page-banner__overlay {
  position: absolute;
  inset: 0;
 
  background: linear-gradient(1deg, rgb(175 142 22 / 52%) 0%, rgba(6, 9, 15, 0.25) 38%, rgba(6, 9, 15, 0.78) 72%, rgba(6, 9, 15, 0.98) 100%), linear-gradient(90deg, rgba(6, 9, 15, 0.72) 0%, transparent 60%);
  z-index: 1;
}

/* Decorative geometric frames */
.page-banner__deco {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  overflow: hidden;
}
.page-banner__deco::before {
  content: '';
  position: absolute;
  right: -8%;
  top: 8%;
  width: 44%;
  height: 82%;
  border: 1px solid rgba(201,168,76,0.08);
  border-radius: 2px;
  transform: rotate(5deg);
}
.page-banner__deco::after {
  content: '';
  position: absolute;
  right: -3%;
  top: 14%;
  width: 36%;
  height: 70%;
  border: 1px solid rgba(201,168,76,0.05);
  border-radius: 2px;
  transform: rotate(5deg);
}

.page-banner .container {
  position: relative;
  z-index: 3;       /* above particle canvas */
  padding-top: 130px;
  padding-bottom: 84px;
  width: 100%;
}

.page-banner__content {
  max-width: 720px;
}

.page-banner__eyebrow {
  font-family: var(--svc-label);
  font-size: 0.59rem;
  letter-spacing: 0.3em;
  color: var(--svc-gold);
  display: inline-flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
  text-transform: uppercase;
}
.page-banner__eyebrow::before {
  content: '';
  width: 38px;
  height: 1px;
  background: var(--svc-gold);
  display: block;
  opacity: 0.9;
}

/* The large mixed-type title — mirrors reference image */
.page-banner__title {
  font-family: var(--svc-display);
  font-size: clamp(3.2rem, 8vw, 6.8rem);
  font-weight: 500;
  color: var(--svc-white);
  letter-spacing: -0.025em;
  line-height: 1.02;
  margin: 0 0 28px;
}
.page-banner__title-line {
  display: block;
}
.page-banner__title-accent {
  display: block;
  font-style: italic;
  font-weight: 400;
  color: var(--svc-gold);
  line-height: 1.0;
}

/* Gold rule below title */
.page-banner__rule {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 22px;
}
.page-banner__rule-line {
  width: 100px;
  height: 1px;
  background: linear-gradient(90deg, var(--svc-gold), transparent);
  opacity: 0.7;
}
.page-banner__rule-dot {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--svc-gold);
  opacity: 0.8;
  flex-shrink: 0;
}

.page-banner__subtitle {
  font-family: var(--svc-display);
  font-style: italic;
  font-size: clamp(0.95rem, 1.8vw, 1.18rem);
  color: var(--svc-muted-hi);
  line-height: 1.7;
  margin: 0 0 30px;
  max-width: 480px;
}

/* Breadcrumb */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 6px;
}
.breadcrumb__link {
  font-family: var(--svc-label);
  font-size: 0.58rem;
  letter-spacing: 0.12em;
  color: var(--svc-muted-hi);
  text-decoration: none;
  text-transform: uppercase;
  transition: color 0.22s ease;
}
.breadcrumb__link:hover { color: var(--svc-gold); }
.breadcrumb__sep { color: var(--svc-gold); font-size: 0.7rem; opacity: 0.5; }
.breadcrumb__current {
  font-family: var(--svc-label);
  font-size: 0.58rem;
  letter-spacing: 0.12em;
  color: var(--svc-gold);
  text-transform: uppercase;
}

/* ─── Particle canvas ─── */
.banner-particles {
  position: absolute;
  inset: 0;
  z-index: 2;       /* above overlay, below text */
  pointer-events: none;
  width: 100%;
  height: 100%;
}

/* Scroll pulse indicator */
.page-banner__scroll {
  position: absolute;
  bottom: 34px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 3;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.page-banner__scroll-label {
  font-family: var(--svc-label);
  font-size: 0.48rem;
  letter-spacing: 0.3em;
  color: var(--svc-muted);
  text-transform: uppercase;
}
.page-banner__scroll-line {
  width: 1px;
  height: 44px;
  background: linear-gradient(to bottom, var(--svc-gold), transparent);
  animation: scrollPulse 2.4s ease-in-out infinite;
}
@keyframes scrollPulse {
  0%   { opacity: 0; transform: scaleY(0); transform-origin: top; }
  40%  { opacity: 1; }
  100% { opacity: 0; transform: scaleY(1); transform-origin: top; }
}

/* ─────────────────────────────────────────────────────────────────
   STATS RIBBON  —  key numbers, between sections
────────────────────────────────────────────────────────────────── */
.stats-ribbon {
  background: var(--svc-navy-card);
  border-top: 1px solid var(--svc-line-mid);
  border-bottom: 1px solid var(--svc-line-mid);
  padding: 46px 0;
}
.stats-ribbon__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-item {
  text-align: center;
  padding: 18px 24px;
  position: relative;
}
.stat-item + .stat-item::before {
  content: '';
  position: absolute;
  left: 0; top: 18%; bottom: 18%;
  width: 1px;
  background: var(--svc-line-mid);
}
.stat-item__num {
  display: block;
  font-family: var(--svc-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 600;
  color: var(--svc-gold);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-item__num em {
  font-style: italic;
  font-weight: 400;
}
.stat-item__label {
  display: block;
  font-family: var(--svc-label);
  font-size: 0.55rem;
  letter-spacing: 0.2em;
  color: var(--svc-muted-hi);
  text-transform: uppercase;
}

/* ─────────────────────────────────────────────────────────────────
   SMSF INTRO  —  two-column grid
────────────────────────────────────────────────────────────────── */
.smsf-intro { background-color: var(--svc-navy-mid); }

.smsf-intro__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.smsf-intro__content .eyebrow { margin-bottom: 16px; }

.smsf-intro__lead {
  font-family: var(--svc-display);
  font-size: clamp(1.05rem, 1.6vw, 1.3rem);
  font-weight: 400;
  color: var(--svc-off-white);
  line-height: 1.82;
  margin: 0 0 24px;
  border-left: 2px solid var(--svc-gold);
  padding-left: 22px;
  font-style: italic;
}

.smsf-intro__content p {
  font-family: var(--svc-body);
  font-size: 0.93rem;
  line-height: 1.9;
  color: var(--svc-muted-hi);
  margin: 0 0 18px;
}
.smsf-intro__content p:last-of-type { margin-bottom: 0; }

.smsf-intro__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 40px;
}

/* Image stack */
.smsf-intro__img-stack {
  position: relative;
  height: 540px;
}
.smsf-intro__img {
  position: absolute;
  border-radius: 3px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,0.65), 0 0 0 1px rgba(201,168,76,0.08);
}
.smsf-intro__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.7s ease;
}
.smsf-intro__img:hover img { transform: scale(1.05); }
.smsf-intro__img--primary {
  width: 73%;
  height: 68%;
  top: 0;
  right: 0;
}
.smsf-intro__img--secondary {
  width: 62%;
  height: 53%;
  bottom: 0;
  left: 0;
  border: 3px solid var(--svc-navy-mid);
}
.smsf-intro__img-badge {
  position: absolute;
  bottom: 44%;
  right: 18%;
  transform: translate(50%, 50%);
  background: var(--svc-gold);
  border-radius: 3px;
  padding: 16px 20px;
  text-align: center;
  min-width: 100px;
  box-shadow: 0 12px 36px rgba(0,0,0,0.55), 0 0 0 6px rgba(201,168,76,0.12);
  z-index: 3;
}
.smsf-intro__img-badge-num {
  display: block;
  font-family: var(--svc-display);
  font-size: 2.2rem;
  font-weight: 600;
  color: var(--svc-navy);
  line-height: 1;
}
.smsf-intro__img-badge-num sup {
  font-size: 1rem;
  vertical-align: super;
}
.smsf-intro__img-badge-label {
  display: block;
  font-family: var(--svc-label);
  font-size: 0.53rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(6,9,15,0.65);
  margin-top: 5px;
  line-height: 1.4;
}

/* ─────────────────────────────────────────────────────────────────
   PARALLAX STRIP  —  full-width image quote break
────────────────────────────────────────────────────────────────── */
.parallax-strip {
  position: relative;
  height: clamp(240px, 36vh, 400px);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  background-color: var(--svc-navy);
}
.parallax-strip__bg {
  position: absolute;
  inset: -30% 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  will-change: transform;
}
.parallax-strip__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(6,9,15,0.90) 0%,
    rgba(6,9,15,0.65) 50%,
    rgba(6,9,15,0.88) 100%
  );
  z-index: 1;
}
.parallax-strip__content {
  position: relative;
  z-index: 2;
  text-align: center;
  padding: 0 var(--container-px);
  max-width: 860px;
}
.parallax-strip__quote {
  font-family: var(--svc-display);
  font-size: clamp(1.5rem, 3.4vw, 2.8rem);
  font-weight: 400;
  font-style: italic;
  color: var(--svc-white);
  line-height: 1.4;
  margin: 0 0 20px;
}
.parallax-strip__quote em {
  font-style: normal;
  color: var(--svc-gold);
}
.parallax-strip__attr {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  font-family: var(--svc-label);
  font-size: 0.57rem;
  letter-spacing: 0.28em;
  color: var(--svc-gold);
  text-transform: uppercase;
  opacity: 0.85;
}
.parallax-strip__attr::before,
.parallax-strip__attr::after {
  content: '';
  display: block;
  width: 26px;
  height: 1px;
  background: var(--svc-gold);
  opacity: 0.6;
}

/* ─────────────────────────────────────────────────────────────────
   NETWORK SERVICES  —  animated background system
────────────────────────────────────────────────────────────────── */
.network-services {
  background-color: #06090f;
  position: relative;
  overflow: hidden;
}

/* All content stays above every bg layer */
.network-services .container {
  position: relative;
  z-index: 3;
}

/* ── ns-bg: wrapper for all decorative layers ── */
.ns-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
}

/* ── Canvas (injected by JS, z-index 1) ── */
.network-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  pointer-events: none;
}

/* ── Dot grid: small repeating gold dots that slowly drift ── */
.ns-grid {
  position: absolute;
  inset: 0;
  z-index: 0;
  background-image: radial-gradient(
    circle,
    rgba(201, 168, 76, 0.22) 1px,
    transparent 1px
  );
  background-size: 38px 38px;
  animation: nsGridDrift 20s linear infinite;
  opacity: 0.5;
}
@keyframes nsGridDrift {
  0%   { background-position: 0 0; }
  100% { background-position: 38px 38px; }
}

/* ── Orbs: large soft radial glows that breathe ── */
.ns-orb {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  will-change: transform, opacity;
}

/* Large — top-left quadrant */
.ns-orb--1 {
  width: 700px;
  height: 700px;
  top: -25%;
  left: -14%;
  background: radial-gradient(
    circle,
    rgba(201, 168, 76, 0.10) 0%,
    rgba(201, 168, 76, 0.03) 45%,
    transparent 70%
  );
  animation: nsOrb1 22s ease-in-out infinite;
}

/* Medium — bottom-right */
.ns-orb--2 {
  width: 560px;
  height: 560px;
  bottom: -22%;
  right: -8%;
  background: radial-gradient(
    circle,
    rgba(201, 168, 76, 0.08) 0%,
    rgba(201, 168, 76, 0.02) 45%,
    transparent 68%
  );
  animation: nsOrb2 28s ease-in-out infinite;
}

/* Small accent — centre-right */
.ns-orb--3 {
  width: 300px;
  height: 300px;
  top: 35%;
  right: 18%;
  background: radial-gradient(
    circle,
    rgba(232, 199, 106, 0.07) 0%,
    transparent 65%
  );
  animation: nsOrb3 15s ease-in-out infinite;
}

@keyframes nsOrb1 {
  0%, 100% { transform: translate(0, 0)        scale(1);    opacity: 0.75; }
  30%       { transform: translate(60px, -35px) scale(1.1);  opacity: 1;   }
  65%       { transform: translate(-18px, 45px) scale(0.94); opacity: 0.8; }
}
@keyframes nsOrb2 {
  0%, 100% { transform: translate(0, 0)         scale(1);    opacity: 0.7;  }
  40%       { transform: translate(-48px, -28px) scale(1.09); opacity: 1;   }
  75%       { transform: translate(22px, 22px)   scale(0.95); opacity: 0.75;}
}
@keyframes nsOrb3 {
  0%, 100% { transform: translate(0, 0)    scale(1);    opacity: 0.55; }
  50%       { transform: translate(-22px, 20px) scale(1.16); opacity: 1;  }
}

/* ── Light beams: two diagonal hairlines that pulse ── */
.ns-beam {
  position: absolute;
  top: -50%;
  width: 1px;
  height: 200%;
  transform-origin: top center;
  pointer-events: none;
}
.ns-beam--1 {
  left: 48%;
  background: linear-gradient(
    to bottom,
    transparent 0%,
    rgba(201, 168, 76, 0.09) 30%,
    rgba(201, 168, 76, 0.16) 50%,
    rgba(201, 168, 76, 0.09) 70%,
    transparent 100%
  );
  transform: rotate(20deg);
  animation: nsBeam 14s ease-in-out infinite;
}
.ns-beam--2 {
  left: 62%;
  background: linear-gradient(
    to bottom,
    transparent 0%,
    rgba(201, 168, 76, 0.06) 30%,
    rgba(201, 168, 76, 0.10) 50%,
    rgba(201, 168, 76, 0.06) 70%,
    transparent 100%
  );
  transform: rotate(20deg);
  animation: nsBeam 14s ease-in-out infinite 4s;
}
@keyframes nsBeam {
  0%, 100% { opacity: 0.4; transform: rotate(20deg) translateX(0); }
  50%       { opacity: 1;   transform: rotate(20deg) translateX(22px); }
}

/* ── Reduce motion: stop all animations, hide canvas ── */
@media (prefers-reduced-motion: reduce) {
  .ns-grid,
  .ns-orb,
  .ns-beam { animation: none; }
  .network-canvas { display: none; }
}

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

.service-card {
  position: relative;
  background: #18263d;
  border: 1px solid var(--svc-line-mid);
  border-radius: 3px;
  padding: 40px 32px 36px;
  overflow: hidden;
  transition: all 0.4s var(--svc-ease);
  display: flex;
  flex-direction: column;
  gap: 20px;
  cursor: default;
}

/* Gold top-edge sweep */
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1.5px;
  background: linear-gradient(90deg, var(--svc-gold), var(--svc-gold-pale), transparent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.45s ease;
}
.service-card:hover::before { transform: scaleX(1); }

/* Corner glow */
.service-card::after {
  content: '';
  position: absolute;
  bottom: -60px; right: -40px;
  width: 180px; height: 180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(var(--svc-gold-rgb),0.07) 0%, transparent 65%);
  pointer-events: none;
  transition: all 0.55s var(--svc-ease);
}
.service-card:hover::after {
  background: radial-gradient(circle, rgba(var(--svc-gold-rgb),0.16) 0%, transparent 65%);
  transform: scale(1.7);
}
.service-card:hover {
  background: var(--svc-navy-hover);
  border-color: rgba(var(--svc-gold-rgb), 0.2);
  transform: translateY(-5px);
  box-shadow: 0 20px 50px rgba(0,0,0,0.58), 0 0 0 1px rgba(var(--svc-gold-rgb),0.1);
}

.service-card__icon-wrap {
  width: 54px;
  height: 54px;
  border-radius: 3px;
  background: var(--svc-gold);
  border: var(--svc-gold);
  box-shadow: 0 0 22px rgba(var(--svc-gold-rgb),0.38);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.38s var(--svc-ease);
}
.service-card:hover .service-card__icon-wrap {
  background:  rgba(var(--svc-gold-rgb), 0.08);
  border-color: 1px solid rgba(var(--svc-gold-rgb), 0.18);
}
.service-card__icon {
  font-size: 1.2rem;
  color: var(--svc-navy);
  transition: color 0.25s ease;
}
.service-card:hover .service-card__icon { color: var(--svc-gold); }

.service-card__title {
  font-family: var(--svc-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--svc-white);
  margin: 0 0 10px;
  line-height: 1.3;
}
.service-card__text {
  font-family: var(--svc-body);
  font-size: 0.875rem;
  line-height: 1.82;
  color: var(--svc-muted-hi);
  margin: 0;
}

/* 5-card: row 1 = 3 wide, row 2 = 2 centered */
@media (min-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(6, 1fr);
    gap: 22px;
  }
  .services-grid .service-card:nth-child(1) { grid-column: 1 / 3; }
  .services-grid .service-card:nth-child(2) { grid-column: 3 / 5; }
  .services-grid .service-card:nth-child(3) { grid-column: 5 / 7; }
  .services-grid .service-card:nth-child(4) { grid-column: 2 / 4; }
  .services-grid .service-card:nth-child(5) { grid-column: 4 / 6; }
}

/* ─────────────────────────────────────────────────────────────────
   KEY CONSIDERATIONS
────────────────────────────────────────────────────────────────── */
.key-considerations {
  background-color: var(--svc-navy-mid);
  position: relative;
  overflow: hidden;
}

/* Parallax background layer — fills the section, moves at 0.3× scroll */
.key-considerations__bg {
  position: absolute;
  inset: -35% 0;
  background-image: url('../images/Skyline photos for Our Network.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  will-change: transform;
  /* Dark tinted overlay so content stays readable */
  filter: brightness(0.18) saturate(0.6);
  z-index: 0;
}

/* Push all content above the parallax bg */
.key-considerations .container { position: relative; z-index: 1; }

.key-considerations__layout {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 72px;
  align-items: start;
}

.considerations-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.consideration-card {
  position: relative;
  background: var(--svc-navy-card);
  border: 1px solid var(--svc-line-mid);
  border-radius: 3px;
  padding: 30px 24px 26px;
  transition: all 0.38s var(--svc-ease);
  overflow: hidden;
}

/* Huge decorative background number */
.consideration-card__num {
  position: absolute;
  top: 10px;
  right: 16px;
  font-family: var(--svc-display);
  font-size: 4rem;
  font-weight: 700;
  color: rgb(201 168 76 / 38%);
  line-height: 1;
  pointer-events: none;
  letter-spacing: -0.03em;
  transition: color 0.38s ease;
  user-select: none;
}
.consideration-card:hover .consideration-card__num {
  color: rgba(var(--svc-gold-rgb), 0.14);
}

/* Small label above title */
.consideration-card__num-label {
  display: inline-block;
  font-family: var(--svc-label);
  font-size: 0.55rem;
  font-weight: 500;
  letter-spacing: 0.2em;
  color: var(--svc-gold);
  margin-bottom: 14px;
  opacity: 0.9;
  text-transform: uppercase;
}

.consideration-card__title {
  font-family: var(--svc-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--svc-white);
  margin: 0 0 10px;
  line-height: 1.35;
  position: relative;
}
.consideration-card__text {
  font-family: var(--svc-body);
  font-size: 0.83rem;
  line-height: 1.75;
  color: var(--svc-muted-hi);
  margin: 0;
  position: relative;
}

/* Gold bottom sweep on hover */
.consideration-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 1.5px;
  background: linear-gradient(90deg, var(--svc-gold), transparent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.42s ease;
}
.consideration-card:hover {
  border-color: rgba(var(--svc-gold-rgb), 0.18);
  transform: translateY(-4px);
  box-shadow: 0 14px 36px rgba(0,0,0,0.48);
}
.consideration-card:hover::after { transform: scaleX(1); }

/* Sticky consultancy image */
.key-considerations__image {
  position: sticky;
  top: 100px;
}
.key-considerations__image-inner {
  border-radius: 3px;
  overflow: hidden;          /* clips the img parallax movement */
  box-shadow: 0 28px 70px rgba(0,0,0,0.68), 0 0 0 1px rgba(var(--svc-gold-rgb),0.1);
  position: relative;
}
.key-considerations__image-inner::before {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid rgba(var(--svc-gold-rgb), 0.12);
  border-radius: 3px;
  z-index: 2;
  pointer-events: none;
}
/* img is taller than its container so parallax shift stays within bounds */
.key-considerations__image-inner img {
  width: 100%;
  height: 640px;              /* extra height gives room to shift */
  object-fit: cover;
  display: block;
  will-change: transform;
  transition: transform 0.01s linear; /* smoothed by rAF already */
}
.key-considerations__image-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(6,9,15,0.55) 0%, transparent 50%);
  pointer-events: none;
  z-index: 1;
}

/* ─────────────────────────────────────────────────────────────────
   FAQ SECTION  —  premium two-column layout
────────────────────────────────────────────────────────────────── */
.faq-section {
  background-color: var(--svc-navy);
  position: relative;
  overflow: hidden;
}
/* Subtle radial ambient glow in background */
.faq-section::before {
  content: '';
  position: absolute;
  top: -10%;
  left: -5%;
  width: 55%;
  height: 70%;
  background: radial-gradient(ellipse at center,
    rgba(var(--svc-gold-rgb), 0.04) 0%,
    transparent 70%);
  pointer-events: none;
  z-index: 0;
}

/* Two-column layout: sidebar + accordion */
.faq-layout {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: 80px;
  align-items: start;
}

/* ─── Left sidebar ─── */
.faq-sidebar {
  position: sticky;
  top: 108px;
}
.faq-sidebar .eyebrow { margin-bottom: 16px; }
.faq-sidebar .section-title { font-size: clamp(1.8rem, 2.8vw, 2.5rem); }

.faq-sidebar__rule {
  width: 48px;
  height: 1.5px;
  background: linear-gradient(90deg, var(--svc-gold), transparent);
  margin: 24px 0;
  opacity: 0.7;
}
.faq-sidebar__desc {
  font-family: var(--svc-body);
  font-size: 0.9rem;
  line-height: 1.88;
  color: var(--svc-muted-hi);
  margin: 0 0 36px;
}
.faq-sidebar__contact {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.faq-sidebar__contact-label {
  font-family: var(--svc-label);
  font-size: 0.58rem;
  letter-spacing: 0.2em;
  color: var(--svc-muted);
  text-transform: uppercase;
  margin: 0;
}
.faq-sidebar__cta {
  align-self: flex-start;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.faq-sidebar__cta i { font-size: 0.75rem; }

/* Large decorative "FAQ" ghost text */
.faq-sidebar__deco {
  position: absolute;
  bottom: -40px;
  left: -20px;
  pointer-events: none;
  user-select: none;
  overflow: hidden;
}
.faq-sidebar__deco-num {
  font-family: var(--svc-display);
  font-size: 9rem;
  font-weight: 700;
  font-style: italic;
  color: rgba(var(--svc-gold-rgb), 0.04);
  line-height: 1;
  letter-spacing: -0.04em;
  display: block;
}

/* ─── FAQ list ─── */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* ─── FAQ item card ─── */
.faq-item {
  position: relative;
  background: var(--svc-navy-card);
  border: 1px solid var(--svc-line-mid);
  border-radius: 4px;
  overflow: hidden;
  transition: border-color 0.35s var(--svc-ease),
              box-shadow    0.35s var(--svc-ease),
              transform     0.35s var(--svc-ease);
}

/* Ghost large number in card background */
.faq-item::after {
  content: attr(data-num);
  position: absolute;
  right: 20px;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--svc-display);
  font-size: 5.5rem;
  font-weight: 700;
  color: rgba(var(--svc-gold-rgb), 0.04);
  pointer-events: none;
  line-height: 1;
  letter-spacing: -0.03em;
  transition: color 0.38s ease, opacity 0.38s ease;
  z-index: 0;
}
.faq-item:hover::after { color: rgba(var(--svc-gold-rgb), 0.1); }

/* Gold left-border reveal */
.faq-item::before {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--svc-gold), var(--svc-gold-pale));
  transform: scaleY(0);
  transform-origin: top;
  transition: transform 0.42s var(--svc-ease);
  z-index: 2;
}
.faq-item:hover::before,
.faq-item.faq-item--open::before {
  transform: scaleY(1);
}
.faq-item:hover {
  border-color: rgba(var(--svc-gold-rgb), 0.2);
  box-shadow: 0 8px 32px rgba(0,0,0,0.4), 0 0 0 0 transparent;
  transform: translateX(3px);
}
.faq-item.faq-item--open {
  border-color: rgba(var(--svc-gold-rgb), 0.25);
  box-shadow: 0 16px 48px rgba(0,0,0,0.5), inset 0 0 30px rgba(var(--svc-gold-rgb),0.02);
}

/* ─── Trigger button ─── */
.faq-item__trigger {
  position: relative;
  z-index: 1;
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 26px 28px 26px 24px;
  text-align: left;
  transition: background 0.3s ease;
}
.faq-item__trigger:focus-visible {
  outline: 2px solid var(--svc-gold);
  outline-offset: -2px;
  border-radius: 4px;
}
.faq-item.faq-item--open .faq-item__trigger {
  background: rgba(var(--svc-gold-rgb), 0.03);
}

/* Small gold number */
.faq-item__num {
  font-family: var(--svc-display);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--svc-gold);
  letter-spacing: 0.04em;
  flex-shrink: 0;
  min-width: 26px;
  opacity: 0.75;
  transition: opacity 0.3s ease;
}
.faq-item__trigger:hover .faq-item__num,
.faq-item.faq-item--open .faq-item__num {
  opacity: 1;
}

/* Question text */
.faq-item__q {
  font-family: var(--svc-display);
  font-size: 1.08rem;
  font-weight: 500;
  color: var(--svc-white);
  line-height: 1.45;
  flex: 1;
  transition: color 0.28s ease;
}
.faq-item__trigger:hover .faq-item__q,
.faq-item.faq-item--open .faq-item__q {
  color: var(--svc-gold);
}

/* Expand icon */
.faq-item__icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.4s var(--svc-ease);
  color: var(--svc-muted-hi);
  background: transparent;
}
.faq-item__trigger:hover .faq-item__icon {
  border-color: rgba(var(--svc-gold-rgb), 0.4);
  color: var(--svc-gold);
}
.faq-item.faq-item--open .faq-item__icon {
  background: var(--svc-gold);
  border-color: var(--svc-gold);
  color: var(--svc-navy);
  box-shadow: 0 0 20px rgba(var(--svc-gold-rgb), 0.45);
}
.faq-item__icon i {
  font-size: 0.7rem;
  transition: transform 0.4s cubic-bezier(.68,-.55,.27,1.55);
}
.faq-item.faq-item--open .faq-item__icon i {
  transform: rotate(45deg);
}

/* ─── Answer panel ─── */
.faq-item__answer {
  position: relative;
  z-index: 1;
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.48s cubic-bezier(.4,0,.2,1),
              opacity    0.36s ease;
  opacity: 0;
}
.faq-item__answer:not([hidden]) { max-height: 480px; opacity: 1; }
.faq-item__answer[hidden]        { display: block; max-height: 0; opacity: 0; }

.faq-item__answer-inner {
  padding: 0 28px 28px 68px; /* indent to align with question text */
  border-top: 1px solid rgba(var(--svc-gold-rgb), 0.08);
  padding-top: 20px;
}
.faq-item__answer-inner p {
  font-family: var(--svc-body);
  font-size: 0.9rem;
  line-height: 1.9;
  color: var(--svc-muted-hi);
  margin: 0;
}

/* ─────────────────────────────────────────────────────────────────
   SMSF CTA  —  parallax background
────────────────────────────────────────────────────────────────── */
.smsf-cta {
  position: relative;
  overflow: hidden;
  background-color: var(--svc-navy);
}
.smsf-cta__bg {
  position: absolute;
  inset: -30% 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  background-image: url('../images/Skyline photos for Our Network.jpg');
  will-change: transform;
}
.smsf-cta__bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgb(26 61 105) 0%, rgba(6, 9, 15, 0.84) 55%, rgb(133 112 30 / 93%) 100%), radial-gradient(ellipse 60% 50% at 20% 50%, rgba(var(--svc-gold-rgb), 0.07) 0%, #dda015e8 80%), radial-gradient(ellipse 40% 40% at 80% 20%, rgb(201 168 76 / 0%) 0%, transparent 55%);
  z-index: 1;
}
.smsf-cta__inner {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 780px;
  margin: 0 auto;
}
.smsf-cta__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 68px;
  height: 68px;
  border-radius: 50%;
  background: rgba(var(--svc-gold-rgb), 0.1);
  border: 1px solid rgba(var(--svc-gold-rgb), 0.25);
  color: var(--svc-gold);
  font-size: 1.5rem;
  margin-bottom: 30px;
  box-shadow: 0 0 0 12px rgba(var(--svc-gold-rgb), 0.04);
}
.smsf-cta__heading {
  font-family: var(--svc-display);
  font-size: clamp(1.9rem, 3.6vw, 2.9rem);
  font-weight: 500;
  color: var(--svc-white);
  margin: 0 0 8px;
  line-height: 1.18;
}
.smsf-cta__heading em {
  font-style: italic;
  color: var(--svc-gold);
}
.smsf-cta__divider {
  width: 44px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--svc-gold), transparent);
  margin: 24px auto;
  opacity: 0.6;
}
.smsf-cta__text {
  font-family: var(--svc-body);
  font-size: 0.95rem;
  line-height: 1.92;
  color: var(--svc-muted-hi);
  margin: 0 auto 40px;
  max-width: 620px;
}
.smsf-cta__actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* ─────────────────────────────────────────────────────────────────
   RESPONSIVE  —  TABLET  (≤ 1100px)
────────────────────────────────────────────────────────────────── */
@media (max-width: 1100px) {
  :root { --section-py: 90px; }

  .faq-layout {
    grid-template-columns: 300px 1fr;
    gap: 52px;
  }

  .key-considerations__layout {
    grid-template-columns: 1fr 360px;
    gap: 50px;
  }
  .key-considerations__image-inner img { height: 500px; }
  .key-considerations__image { position: static; }

  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid .service-card:nth-child(n) { grid-column: auto; }

  .stats-ribbon__grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(3)::before,
  .stat-item:nth-child(4)::before { display: none; }
  .stat-item:nth-child(3),
  .stat-item:nth-child(4) { border-top: 1px solid var(--svc-line-mid); }
}

/* ─────────────────────────────────────────────────────────────────
   RESPONSIVE  —  SMALL TABLET  (≤ 900px)
────────────────────────────────────────────────────────────────── */
@media (max-width: 900px) {
  :root { --section-py: 72px; }

  .page-banner {
    min-height: clamp(440px, 65vh, 600px);
    background-attachment: scroll;
  }
  .page-banner .container { padding-top: 110px; padding-bottom: 70px; }

  .smsf-intro__grid { grid-template-columns: 1fr; gap: 56px; }
  .smsf-intro__images { order: -1; }
  .smsf-intro__img-stack { height: 400px; }
  .smsf-intro__img--primary { width: 68%; height: 70%; }
  .smsf-intro__img--secondary { width: 55%; height: 56%; }

  .key-considerations__layout { grid-template-columns: 1fr; gap: 44px; }
  .key-considerations__image { order: -1; }
  .key-considerations__image-inner img { height: 340px; }

  .parallax-strip { height: clamp(180px, 28vh, 280px); }
  .parallax-strip__bg { background-attachment: scroll; }
  .smsf-cta__bg { background-attachment: scroll; }

  /* FAQ: stack on small tablet */
  .faq-layout {
    grid-template-columns: 1fr;
    gap: 44px;
  }
  .faq-sidebar {
    position: static;
    max-width: 540px;
  }
  .faq-sidebar__deco { display: none; }
}

/* ─────────────────────────────────────────────────────────────────
   RESPONSIVE  —  MOBILE  (≤ 640px)
────────────────────────────────────────────────────────────────── */
@media (max-width: 640px) {
  :root {
    --section-py: 62px;
    --container-px: 20px;
  }

  .page-banner {
    min-height: clamp(380px, 70vh, 520px);
    align-items: flex-end;
  }
  .page-banner .container { padding-top: 90px; padding-bottom: 60px; }
  .page-banner__title { font-size: clamp(2.5rem, 11vw, 3.8rem); }
  .page-banner__deco { display: none; }
  .page-banner__scroll { display: none; }

  .smsf-intro__actions { flex-direction: column; align-items: stretch; }
  .smsf-intro__actions .btn { width: 100%; justify-content: center; }
  .smsf-intro__img-stack { height: 300px; }
  .smsf-intro__img--primary { width: 72%; height: 72%; }
  .smsf-intro__img--secondary { width: 58%; height: 54%; }
  .smsf-intro__img-badge { padding: 12px 16px; min-width: 80px; }
  .smsf-intro__img-badge-num { font-size: 1.8rem; }

  .services-grid { grid-template-columns: 1fr; gap: 16px; }
  .services-grid .service-card:nth-child(n) { grid-column: auto; }

  .considerations-grid { grid-template-columns: 1fr; gap: 14px; }

  .stats-ribbon__grid { grid-template-columns: 1fr 1fr; }
  .stat-item:nth-child(even)::before { display: block; }

  .faq-item__trigger { padding: 20px 18px; }
  .faq-item__q { font-size: 0.98rem; }
  .faq-item__answer-inner { padding: 0 18px 22px 18px; }

  .smsf-cta__actions { flex-direction: column; align-items: stretch; }
  .smsf-cta__actions .btn { width: 100%; justify-content: center; }

  .section-header { margin-bottom: 44px; }
  .section-title { font-size: clamp(1.8rem, 7vw, 2.4rem); }
  .parallax-strip__quote { font-size: clamp(1.2rem, 5vw, 1.8rem); }
}

/* ─────────────────────────────────────────────────────────────────
   PRINT
────────────────────────────────────────────────────────────────── */
@media print {
  .page-banner,
  .parallax-strip,
  .smsf-cta__bg { background-image: none !important; background-color: #000; }
  .animate-on-scroll { opacity:1 !important; transform:none !important; }
  .faq-item__answer { max-height:none !important; opacity:1 !important; display:block !important; }
  .page-banner__scroll, .page-banner__deco { display: none; }
}
/* ─────────────────────────────────────────────────────────────────
   FAMILY OFFICE PAGE OVERRIDES
   Adds FO-specific background images for the CTA parallax section.
────────────────────────────────────────────────────────────────── */

/* CTA background — Family Office image */
.fo-cta__bg {
  background-image: url('../images/Skyline photos for Our Network.jpg') !important;
}

/* ─────────────────────────────────────────────────────────────────
   TAX IMPLICATIONS PAGE ADDITIONS
────────────────────────────────────────────────────────────────── */

/* Section header sub-paragraph */
.section-header__sub {
  font-family: var(--svc-body);
  font-size: 0.92rem;
  line-height: 1.88;
  color: var(--svc-muted-hi);
  max-width: 680px;
  margin: 16px auto 0;
}

/* ── 6-card grid: strict 3×2 layout at desktop ── */
@media (min-width: 1024px) {
  .services-grid--six {
    grid-template-columns: repeat(6, 1fr);
  }
  .services-grid--six .service-card:nth-child(1) { grid-column: 1 / 3; }
  .services-grid--six .service-card:nth-child(2) { grid-column: 3 / 5; }
  .services-grid--six .service-card:nth-child(3) { grid-column: 5 / 7; }
  .services-grid--six .service-card:nth-child(4) { grid-column: 1 / 3; }
  .services-grid--six .service-card:nth-child(5) { grid-column: 3 / 5; }
  .services-grid--six .service-card:nth-child(6) { grid-column: 5 / 7; }
}

/* ── 3-card grid: stays 3 columns, no centering trick ── */
.services-grid--three {
  grid-template-columns: repeat(3, 1fr);
}
@media (min-width: 1024px) {
  .services-grid--three {
    grid-template-columns: repeat(3, 1fr);
  }
  .services-grid--three .service-card:nth-child(n) {
    grid-column: auto;
  }
}
@media (max-width: 900px) {
  .services-grid--three { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .services-grid--three { grid-template-columns: 1fr; }
}

/* Eligibility note beneath Eligible Expenses cards */
.tax-eligibility-note {
  font-family: var(--svc-body);
  font-size: 0.9rem;
  line-height: 1.9;
  color: var(--svc-muted-hi);
  max-width: 820px;
  margin: 52px auto 0;
  text-align: center;
  border-top: 1px solid var(--svc-line-mid);
  padding-top: 36px;
  font-style: italic;
}

/* Key Considerations bg — Tax Implications images */
.key-considerations--tax .key-considerations__bg {
  background-image: url('../images/Skyline photos for Our Network.jpg');
}

/* Strategies section — uses same network-services base but lighter tint */
.tax-strategies {
  background-color: var(--svc-navy-mid) !important;
}

/* CTA background — Tax Implications image */
.tax-cta__bg {
  background-image: url('../images/Skyline photos for Our Network.jpg') !important;
}
/* ─────────────────────────────────────────────────────────────────
   INVESTMENT PROPERTIES PAGE ADDITIONS
────────────────────────────────────────────────────────────────── */

/* ── First Home Buyer: single-column consideration cards ── */
.considerations-grid--single {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

/* ── Key Considerations bg — Investment Properties ── */
.key-considerations--ip .key-considerations__bg {
  background-image: url('../images/property investments.jpg');
}

/* ── Prime Investment Properties section ── */
.ip-prime {
  background-color: var(--svc-navy);
}

/* Right-side grid col: map image instead of stacked photos */
.ip-prime__grid {
  align-items: center;
}

.ip-map-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px 0;
}

.ip-map-img {
  width: 100%;
  max-width: 540px;
  display: block;
  filter: drop-shadow(0 28px 56px rgba(0, 0, 0, 0.72));
  opacity: 0.95;
  transition: opacity 0.4s ease;
}

.ip-map-img:hover {
  opacity: 1;
}

/* ── CTA background — Investment Properties image ── */
.ip-cta__bg {
  background-image: url('../images/Skyline photos for Our Network.jpg') !important;
}

/* ── Responsive: stack map below text on small screens ── */
@media (max-width: 900px) {
  .ip-prime__grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .ip-map-wrap {
    order: -1;
  }
  .ip-map-img {
    max-width: 420px;
  }
}

@media (max-width: 640px) {
  .ip-map-img {
    max-width: 100%;
  }
}

/* ─────────────────────────────────────────────────────────────────
   ABOUT US PAGE ADDITIONS
────────────────────────────────────────────────────────────────── */

/* ── Key Considerations bg — About Us ── */
.key-considerations--about .key-considerations__bg {
  background-image: url('../images/modern office building.jpg');
}

/* ── Contact note below Tailored Strategies cards ── */
.about-contact-note {
  font-family: var(--svc-body);
  font-size: 0.88rem;
  line-height: 1.9;
  color: var(--svc-muted-hi);
  text-align: center;
  max-width: 680px;
  margin: 52px auto 0;
  padding-top: 36px;
  border-top: 1px solid var(--svc-line-mid);
}
.about-contact-note__link {
  color: var(--svc-gold);
  text-decoration: none;
  transition: color 0.22s ease;
  font-weight: 500;
}
.about-contact-note__link:hover { color: var(--svc-gold-hi); }

/* ── 4-card grid: 2×2 layout at desktop ── */
@media (min-width: 1024px) {
  .services-grid--four {
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
  }
  .services-grid--four .service-card:nth-child(n) {
    grid-column: auto;
  }
}
@media (max-width: 640px) {
  .services-grid--four { grid-template-columns: 1fr; }
}

/* ── Commitment to Excellence: split section ── */
.about-split {
  background-color: var(--svc-navy-card);
  position: relative;
}

.about-split__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 76px;
  align-items: center;
}

.about-split__img {
  border-radius: 3px;
  overflow: hidden;
  box-shadow: 0 28px 72px rgba(0,0,0,0.68), 0 0 0 1px rgba(201,168,76,0.09);
  position: relative;
}
.about-split__img::before {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid rgba(201,168,76,0.1);
  border-radius: 3px;
  z-index: 1;
  pointer-events: none;
}
.about-split__img img {
  width: 100%;
  height: 540px;
  object-fit: cover;
  display: block;
  transition: transform 0.7s ease;
}
.about-split__img:hover img { transform: scale(1.04); }

.about-split__content .eyebrow { margin-bottom: 16px; }

.about-split__lead {
  font-family: var(--svc-display);
  font-size: clamp(1rem, 1.5vw, 1.22rem);
  font-weight: 400;
  color: var(--svc-off-white);
  line-height: 1.82;
  margin: 0 0 22px;
  border-left: 2px solid var(--svc-gold);
  padding-left: 22px;
  font-style: italic;
}

.about-split__content p {
  font-family: var(--svc-body);
  font-size: 0.93rem;
  line-height: 1.9;
  color: var(--svc-muted-hi);
  margin: 0 0 18px;
}

/* ── Closing paragraph below Partnering cards ── */
.about-partner-close {
  font-family: var(--svc-display);
  font-size: clamp(1rem, 1.6vw, 1.2rem);
  font-style: italic;
  line-height: 1.75;
  color: var(--svc-muted-hi);
  text-align: center;
  max-width: 740px;
  margin: 56px auto 0;
  padding-top: 36px;
  border-top: 1px solid var(--svc-line-mid);
}

/* ── CTA contact row (phone + email above buttons) ── */
.about-cta__contact {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  margin: 0 0 32px;
}
.about-cta__contact-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--svc-label);
  font-size: 0.72rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--svc-gold);
  text-decoration: none;
  transition: color 0.22s ease, opacity 0.22s ease;
  opacity: 0.85;
}
.about-cta__contact-item:hover { opacity: 1; color: var(--svc-gold-hi); }
.about-cta__contact-item i { font-size: 0.85rem; }
.about-cta__contact-sep {
  display: block;
  width: 1px;
  height: 24px;
  background: rgba(201,168,76,0.25);
}

/* ── CTA background — About image ── */
.about-cta__bg {
  background-image: url('../images/Skyline photos for Our Network.jpg') !important;
}

/* ── Responsive ── */
@media (max-width: 900px) {
  .about-split__grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .about-split__img img { height: 380px; }
}

@media (max-width: 640px) {
  .about-split__img img { height: 280px; }
  .about-cta__contact { gap: 18px; }
  .about-cta__contact-sep { display: none; }
}

/* ─────────────────────────────────────────────────────────────────
   TEAM PAGE ADDITIONS
────────────────────────────────────────────────────────────────── */

/* CTA background — Team image */
.team-cta__bg {
  background-image: url('../images/Skyline photos for Our Network.jpg') !important;
}

/* ═════════════════════════════════════════════════════════════════
   CONTACT PAGE  —  Banner · 3 Info Cards · Form+Image · Map
════════════════════════════════════════════════════════════════════ */

/* ── 1. Compact banner ── */
.page-banner--compact {
  min-height: clamp(380px, 52vh, 560px);
}

/* ─────────────────────────────────────────────────────────────────
   2. THREE INFO CARDS
────────────────────────────────────────────────────────────────── */
.ct-cards {
  background: var(--svc-navy-card);
  border-top: 1px solid var(--svc-line-mid);
  border-bottom: 1px solid var(--svc-line-mid);
}

.ct-cards__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.ct-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 56px 44px;
  position: relative;
  overflow: hidden;
  transition: background 0.35s ease;
  cursor: default;
}
.ct-card + .ct-card {
  border-left: 1px solid rgb(219 170 32 / 36%);
}

/* Gold top-edge sweep on hover */
.ct-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--svc-gold), var(--svc-gold-pale), var(--svc-gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.45s ease;
}
.ct-card:hover::before  { transform: scaleX(1); }
.ct-card:hover { background: rgba(201,168,76,0.03); }

.ct-card__icon-wrap {
  width: 72px; height: 72px;
  border-radius: 50%;
    background: var(--svc-gold);
	color: var(--svc-navy);
	border-color: var(--svc-gold);
	  box-shadow: 0 0 0 10px rgba(201,168,76,0.08),
              0 10px 30px rgba(201,168,76,0.38);
 
  display: flex; align-items: center; justify-content: center;

  font-size: 1.5rem;
  margin-bottom: 24px;
  transition: all 0.38s ease;

}
.ct-card:hover .ct-card__icon-wrap {
	background: rgba(201,168,76,0.08);
	border: 1px solid rgba(201,168,76,0.22);
	box-shadow: 0 0 0 8px rgba(201,168,76,0.04);
	color: var(--svc-gold);

  


  transform: translateY(-4px);
}

.ct-card__divider {
  width: 30px; height: 1.5px;
  background: linear-gradient(90deg, transparent, var(--svc-gold), transparent);
  opacity: 0.6; margin-bottom: 18px; border-radius: 2px;
}

.ct-card__label {
  font-family: var(--svc-label);
  font-size: 0.74rem;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--svc-gold);
  opacity: 0.85;
  margin-bottom: 12px;
}

.ct-card__value {
  /*font-family: var(--svc-display);*/
  font-size: clamp(.95rem, 1.4vw, 1.12rem);
  font-weight: 500;
  color: var(--svc-white);
  line-height: 1.65;
  text-decoration: none;
  font-style: normal;
  transition: color 0.25s ease;
}
a.ct-card__value:hover { color: var(--svc-gold); }

/* ─────────────────────────────────────────────────────────────────
   3. FORM (LEFT) + IMAGE (RIGHT)
────────────────────────────────────────────────────────────────── */
.ct-form-split {
  background: var(--svc-navy);
}

.ct-form-split__layout {
  display: grid;
  grid-template-columns: 55fr 45fr;
  min-height: 700px;
}

/* ── LEFT: Form panel ── */
.ct-form-split__form-side {
  position: relative;
  background: var(--svc-navy);
  border-right: 1px solid var(--svc-line-mid);
  display: flex;
  align-items: center;
  overflow: hidden;
}

/* Animated ambient background */
.ct-form-bg {
  position: absolute;
  inset: 0; pointer-events: none; z-index: 0;
}
.ct-form-bg .ns-orb--1 { top:-25%; left:-15%; opacity:.55; }
.ct-form-bg .ns-orb--2 { bottom:-20%; right:-10%; opacity:.45; }
.ct-form-bg .ns-grid   { opacity:.22; }

/* Form inner wrapper */
.ct-form-wrap {
  position: relative; z-index: 2;
  padding: 68px 60px;
  width: 100%;
}

/* Form header */
.ct-form__eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-family: var(--svc-label);
  font-size: 0.57rem; letter-spacing: 0.28em; text-transform: uppercase;
  color: var(--svc-gold); margin-bottom: 14px;
}
.ct-form__eyebrow::before {
  content: ''; display: block; width: 28px; height: 1px;
  background: var(--svc-gold); opacity: 0.8;
}
.ct-form__title {
  font-family: var(--svc-display);
  font-size: clamp(2rem, 3vw, 2.8rem);
  font-weight: 500; color: var(--svc-white);
  margin: 0 0 6px; line-height: 1.15;
}
.ct-form__title em { font-style: italic; color: var(--svc-gold); }
.ct-form__rule {
  width: 44px; height: 1.5px;
  background: linear-gradient(90deg, var(--svc-gold), transparent);
  margin: 18px 0 32px; opacity: 0.75; border-radius: 2px;
}

/* Form fields */
.ct-form {
  display: flex; flex-direction: column; gap: 24px;
}
.ct-form__row {
  display: grid; grid-template-columns: 1fr 1fr; gap: 20px;
}
.ct-form__group {
  display: flex; flex-direction: column; gap: 9px;
}
.ct-form__label {
  font-family: var(--svc-label); font-size: 0.54rem;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--svc-muted-hi); transition: color 0.25s ease;
}
.ct-form__group:focus-within .ct-form__label { color: var(--svc-gold); }

.ct-form__input {
  width: 100%; box-sizing: border-box;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 2px;
  color: var(--svc-white); font-family: var(--svc-body); font-size: 0.92rem;
  padding: 13px 16px; outline: none;
  transition: border-color .3s ease, background .3s ease, box-shadow .3s ease;
  -webkit-appearance: none; appearance: none;
}
.ct-form__input::placeholder { color: rgba(255,255,255,0.22); font-style: italic; }
.ct-form__input:focus {
  border-color: var(--svc-gold);
  background: rgba(201,168,76,0.05);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.1), inset 0 1px 4px rgba(0,0,0,0.2);
}

.ct-form__select-wrap { position: relative; }
.ct-form__select { cursor: pointer; padding-right: 38px; }
.ct-form__select option { background: var(--svc-navy-card); color: var(--svc-white); }
.ct-form__select-arrow {
  position: absolute; right: 14px; top: 50%; transform: translateY(-50%);
  color: var(--svc-muted); font-size: 0.68rem;
  pointer-events: none; transition: color .25s ease;
}
.ct-form__group:focus-within .ct-form__select-arrow { color: var(--svc-gold); }

.ct-form__textarea { resize: vertical; min-height: 110px; line-height: 1.75; }

/* Submit button */
.ct-form__submit-wrap { margin-top: 4px; }
.ct-form__submit {
  position: relative; display: flex; align-items: center;
  justify-content: center; gap: 12px;
  width: 100%; padding: 16px 32px;
  background: var(--svc-gold); border: 1px solid var(--svc-gold); border-radius: 2px;
  color: var(--svc-navy); font-family: var(--svc-label);
  font-size: 0.68rem; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase;
  cursor: pointer; overflow: hidden; transition: all .38s ease;
}
.ct-form__submit::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(120deg, transparent 30%, rgba(255,255,255,0.18) 50%, transparent 70%);
  transform: translateX(-100%); transition: transform .52s ease;
}
.ct-form__submit:hover::before { transform: translateX(100%); }
.ct-form__submit:hover,
.ct-form__submit:focus-visible {
  background: var(--svc-gold-hi); border-color: var(--svc-gold-hi);
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(201,168,76,0.42);
  outline: none;
}
.ct-form__submit-icon { font-size: 0.82rem; transition: transform .3s ease; }
.ct-form__submit:hover .ct-form__submit-icon { transform: translateX(5px); }
.ct-form__submit-loader { display: none; }
.ct-form__submit.is-loading .ct-form__submit-label,
.ct-form__submit.is-loading .ct-form__submit-icon  { display: none; }
.ct-form__submit.is-loading .ct-form__submit-loader { display: block; }
.ct-form__submit.is-sent {
  background:#1a7a4a; border-color:#1a7a4a; color:#fff; pointer-events:none;
}

/* Success message */
.ct-form__success {
  display: flex; align-items: center; gap: 16px;
  background: rgba(26,122,74,0.1); border: 1px solid rgba(26,122,74,0.3);
  border-radius: 3px; padding: 18px 22px; margin-top: 6px;
}
.ct-form__success[hidden] { display: none; }
.ct-form__success-icon { color: #3ecf82; font-size: 1.4rem; flex-shrink: 0; }
.ct-form__success-text {
  font-family: var(--svc-body); font-size: 0.87rem;
  line-height: 1.72; color: var(--svc-muted-hi); margin: 0;
}

/* ── RIGHT: Real image (NOT background-image) ── */
.ct-form-split__img-side {
  position: relative;
  overflow: hidden;
  background: var(--svc-navy-card);
}

.ct-form-split__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  transition: transform 0.8s ease;
}
.ct-form-split__img-side:hover .ct-form-split__photo {
  transform: scale(1.03);
}

/* ─────────────────────────────────────────────────────────────────
   4. MAP
────────────────────────────────────────────────────────────────── */
.ct-map {
  position: relative; height: 500px; background: var(--svc-navy);
}
.ct-map::before {
  content: ''; position: absolute; top:0; left:0; right:0;
  height: 1.5px; z-index: 5; opacity: .4;
  background: linear-gradient(90deg, transparent, var(--svc-gold), transparent);
}
.ct-map__iframe {
  position: absolute; inset: 0; width: 100%; height: 100%;
  display: block; border: 0;
  filter: invert(90%) hue-rotate(180deg) saturate(.55) brightness(.8);
}

/* Floating address badge */
.ct-map__badge {
  position: absolute; bottom: 30px; left: 30px; z-index: 10;
  background: var(--svc-navy-card);
  border: 1px solid rgba(201,168,76,.22); border-radius: 4px;
  padding: 18px 22px; display: flex; align-items: flex-start; gap: 16px;
  box-shadow: 0 20px 56px rgba(0,0,0,.7), 0 0 0 1px rgba(201,168,76,.05);
  max-width: 380px;
}
.ct-map__badge-icon {
  width: 42px; height: 42px; border-radius: 50%;
  background: rgba(201,168,76,.1); border: 1px solid rgba(201,168,76,.25);
  display: flex; align-items: center; justify-content: center;
  color: var(--svc-gold); font-size: .95rem; flex-shrink: 0; margin-top: 2px;
}
.ct-map__badge-text { display: flex; flex-direction: column; gap: 4px; }
.ct-map__badge-title {
  font-family: var(--svc-label); font-size: .57rem;
  letter-spacing: .2em; text-transform: uppercase; color: var(--svc-gold); display: block;
}
.ct-map__badge-addr {
  font-family: var(--svc-body); font-size: .83rem;
  color: var(--svc-muted-hi); line-height: 1.58;
}
.ct-map__badge-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--svc-label); font-size: .52rem; letter-spacing: .15em;
  text-transform: uppercase; color: var(--svc-gold); text-decoration: none;
  margin-top: 8px; opacity: .75; transition: opacity .22s ease;
}
.ct-map__badge-link:hover { opacity: 1; }
.ct-map__badge-link i { font-size: .62rem; }

/* ─────────────────────────────────────────────────────────────────
   RESPONSIVE
────────────────────────────────────────────────────────────────── */
@media (max-width: 1100px) {
  .ct-cards__grid { }
  .ct-card { padding: 48px 32px; }
  .ct-form-split__layout { grid-template-columns: 1fr 1fr; }
  .ct-form-wrap { padding: 56px 44px; }
}

@media (max-width: 900px) {
  .ct-cards__grid { grid-template-columns: 1fr; }
  .ct-card + .ct-card { border-left: none; border-top: 1px solid var(--svc-line-mid); }
  .ct-card { padding: 42px 36px; }
  .ct-form-split__layout { grid-template-columns: 1fr; min-height: auto; }
  .ct-form-split__form-side { border-right: none; border-bottom: 1px solid var(--svc-line-mid); }
  .ct-form-split__img-side { height: 380px; }
  .ct-form-wrap { padding: 52px 36px; }
  .ct-map { height: 420px; }
  .ct-map__badge { left:16px; bottom:16px; max-width: calc(100% - 32px); }
  .page-banner--compact { min-height: clamp(320px, 44vh, 440px); }
}

@media (max-width: 640px) {
  .ct-card { padding: 38px 28px; }
  .ct-form-wrap { padding: 40px 22px; }
  .ct-form__row { grid-template-columns: 1fr; gap: 24px; }
  .ct-form-split__img-side { height: 280px; }
  .ct-map { height: 360px; }
}
/* ═════════════════════════════════════════════════════════════════
   LEGAL PAGES  —  Terms, Privacy Policy, Disclaimer, Security
   Reusable layout: compact banner · sidebar ToC · content
════════════════════════════════════════════════════════════════════ */

/* ── Compact banner (reused from contact page) ── */
.page-banner--compact {
  min-height: clamp(380px, 52vh, 560px);
}

/* ─────────────────────────────────────────────────────────────────
   PAGE LAYOUT  —  280px sticky sidebar + content column
────────────────────────────────────────────────────────────────── */
.legal-page {
  background: var(--svc-navy-mid);
  padding: var(--section-py) 0;
}

.legal-page__layout {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 64px;
  align-items: start;
}

/* ─────────────────────────────────────────────────────────────────
   SIDEBAR  —  sticky table of contents
────────────────────────────────────────────────────────────────── */
.legal-sidebar {
  position: sticky;
  top: 108px;
}

.legal-sidebar__inner {
  background: var(--svc-navy-card);
  border: 1px solid var(--svc-line-mid);
  border-left: 2px solid var(--svc-gold);
  border-radius: 0 3px 3px 0;
  overflow: hidden;
}

.legal-sidebar__heading {
  font-family: var(--svc-label);
  font-size: 0.57rem;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--svc-gold);
  margin: 0;
  padding: 20px 24px 16px;
  border-bottom: 1px solid var(--svc-line-mid);
  display: flex;
  align-items: center;
  gap: 10px;
}
.legal-sidebar__heading i { font-size: 0.75rem; opacity: 0.8; }

.legal-sidebar__nav {
  display: flex;
  flex-direction: column;
  padding: 10px 0;
}

.legal-sidebar__link {
  font-family: var(--svc-body);
  font-size: 0.82rem;
  color: var(--svc-muted-hi);
  text-decoration: none;
  padding: 9px 24px;
  border-left: 2px solid transparent;
  margin-left: -2px;
  transition: all 0.25s ease;
  line-height: 1.45;
  display: block;
}
.legal-sidebar__link:hover,
.legal-sidebar__link.is-active {
  color: var(--svc-gold);
  border-left-color: var(--svc-gold);
  background: rgba(201,168,76,0.05);
  padding-left: 30px;
}

/* Related legal pages block */
.legal-sidebar__related {
  border-top: 1px solid var(--svc-line-mid);
  padding: 16px 0 10px;
}
.legal-sidebar__related-heading {
  font-family: var(--svc-label);
  font-size: 0.52rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--svc-muted);
  padding: 0 24px 10px;
  display: block;
}
.legal-sidebar__related-link {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--svc-body);
  font-size: 0.8rem;
  color: var(--svc-muted-hi);
  text-decoration: none;
  padding: 8px 24px;
  border-left: 2px solid transparent;
  margin-left: -2px;
  transition: all 0.22s ease;
}
.legal-sidebar__related-link i { font-size: 0.65rem; opacity: 0.6; }
.legal-sidebar__related-link:hover {
  color: var(--svc-gold);
  border-left-color: rgba(201,168,76,0.35);
  padding-left: 30px;
}
.legal-sidebar__related-link.is-current {
  color: var(--svc-gold);
  opacity: 0.6;
  pointer-events: none;
}

/* ─────────────────────────────────────────────────────────────────
   CONTENT AREA
────────────────────────────────────────────────────────────────── */

/* Intro block */
.legal-intro {
  background: var(--svc-navy-card);
  border: 1px solid var(--svc-line-mid);
  border-left: 3px solid var(--svc-gold);
  border-radius: 0 3px 3px 0;
  padding: 28px 32px;
  margin-bottom: 52px;
}
.legal-intro p {
  font-family: var(--svc-display);
  font-style: italic;
  font-size: clamp(1rem, 1.5vw, 1.1rem);
  line-height: 1.82;
  color: var(--svc-off-white);
  margin: 0;
}

/* Individual section */
.legal-section {
  padding: 44px 0;
  border-bottom: 1px solid var(--svc-line-mid);
  scroll-margin-top: 116px;
}
.legal-section:last-child { border-bottom: none; }

/* Section header row */
.legal-section__header {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-bottom: 6px;
}

/* Large ghost number */
.legal-section__num {
  font-family: var(--svc-display);
  font-size: 3.4rem;
  font-weight: 700;
  color: rgb(201 168 76 / 68%);
  line-height: 1;
  letter-spacing: -0.03em;
  flex-shrink: 0;
  user-select: none;
  margin-top: -6px;
  transition: color 0.3s ease;
}
.legal-section:hover .legal-section__num {
  color: rgba(201,168,76,0.25);
}

.legal-section__title {
  font-family: var(--svc-display);
  font-size: clamp(1.3rem, 2vw, 1.65rem);
  font-weight: 600;
  color: var(--svc-white);
  margin: 0;
  line-height: 1.25;
  padding-top: 6px;
}

/* Gold rule below header */
.legal-section__rule {
  width: 40px;
  height: 1.5px;
  background: linear-gradient(90deg, var(--svc-gold), transparent);
  margin: 14px 0 20px;
  opacity: 0.65;
  border-radius: 2px;
}

/* Body text */
.legal-section__body p {
  font-family: var(--svc-body);
  font-size: 0.92rem;
  line-height: 1.92;
  color: var(--svc-muted-hi);
  margin: 0 0 16px;
}
.legal-section__body p:last-child { margin-bottom: 0; }

/* Styled bullet list */
.legal-section__body ul {
  list-style: none;
  padding: 0;
  margin: 4px 0 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.legal-section__body li {
  font-family: var(--svc-body);
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--svc-muted-hi);
  padding-left: 22px;
  position: relative;
}
.legal-section__body li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 9px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  border: 1.5px solid var(--svc-gold);
  opacity: 0.75;
}

/* Image within content */
.legal-content__img {
  margin: 36px 0;
  border-radius: 3px;
  overflow: hidden;
  box-shadow: 0 16px 48px rgba(0,0,0,0.52),
              0 0 0 1px rgba(201,168,76,0.08);
  position: relative;
}
.legal-content__img::after {
  content: '';
  position: absolute;
  inset: 0;
  border: 1px solid rgba(201,168,76,0.09);
  border-radius: 3px;
  pointer-events: none;
}
.legal-content__img img {
  width: 100%;
  max-height: 360px;
  object-fit: cover;
  display: block;
  transition: transform 0.7s ease;
}
.legal-content__img:hover img { transform: scale(1.02); }

/* Contact section call-out card */
.legal-contact-card {
  display: flex;
  align-items: center;
  gap: 24px;
  background: var(--svc-navy-card);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 3px;
  padding: 26px 30px;
  margin-top: 8px;
  flex-wrap: wrap;
}
.legal-contact-card__icon {
  width: 54px; height: 54px;
  border-radius: 50%;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.25);
  display: flex; align-items: center; justify-content: center;
  color: var(--svc-gold); font-size: 1.1rem; flex-shrink: 0;
}
.legal-contact-card__text { flex: 1; min-width: 180px; }
.legal-contact-card__label {
  font-family: var(--svc-label);
  font-size: 0.54rem; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--svc-gold); opacity: 0.8; display: block; margin-bottom: 6px;
}
.legal-contact-card__desc {
  font-family: var(--svc-body);
  font-size: 0.88rem; line-height: 1.7;
  color: var(--svc-muted-hi); margin: 0;
}
.legal-contact-card__btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--svc-label); font-size: 0.62rem;
  letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--svc-navy); background: var(--svc-gold);
  border: 1px solid var(--svc-gold); border-radius: 2px;
  padding: 13px 26px; text-decoration: none; flex-shrink: 0;
  transition: all 0.32s ease;
}
.legal-contact-card__btn:hover {
  background: var(--svc-gold-hi); border-color: var(--svc-gold-hi);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.38);
}

/* ─────────────────────────────────────────────────────────────────
   LEGAL PAGE RESPONSIVE
────────────────────────────────────────────────────────────────── */
@media (max-width: 1100px) {
  .legal-page__layout { grid-template-columns: 240px 1fr; gap: 44px; }
}

@media (max-width: 900px) {
  .legal-page__layout { grid-template-columns: 1fr; gap: 40px; }
  .legal-sidebar { position: static; }
  .legal-sidebar__inner { border-radius: 3px; }
  .legal-sidebar__nav { display: grid; grid-template-columns: 1fr 1fr; }
  .legal-section__num { font-size: 2.6rem; }
}

@media (max-width: 640px) {
  .legal-sidebar__nav { grid-template-columns: 1fr; }
  .legal-section { padding: 32px 0; }
  .legal-section__num { font-size: 2.2rem; }
  .legal-section__title { font-size: 1.2rem; }
  .legal-contact-card { flex-direction: column; align-items: flex-start; gap: 18px; }
  .legal-contact-card__btn { width: 100%; justify-content: center; }
}

@media print {
  .legal-sidebar { display: none; }
  .legal-page__layout { grid-template-columns: 1fr; }
  .legal-section { page-break-inside: avoid; }
}