/* ============================================================
   JER Website — Main Stylesheet
   Uses Matrix International design tokens + JER sub-system
   ============================================================ */

@import url('../shared/tokens.css');

:root {
  --jer-navy:   #0B2760;
  --jer-blue:   #164194;
  --jer-accent: #C0A062;
  --jer-paper:  #F6F4EE;
  --nav-h: 80px;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--nav-h);
}

body {
  margin: 0;
  padding: 0;
  font-family: var(--font-sans);
  color: var(--mi-ink-800);
  background: var(--mi-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { display: block; max-width: 100%; }
a { color: var(--jer-blue); text-decoration: none; transition: color var(--dur-base) var(--ease-out); }
a:hover { color: var(--jer-navy); }
ul { margin: 0; padding: 0; list-style: none; }
p { margin: 0; }
h1,h2,h3,h4,h5,h6 { margin: 0; }

::selection { background: rgba(192,160,98,0.25); color: var(--jer-navy); }

/* ============================================================
   UTILITIES
   ============================================================ */
.container {
  max-width: var(--maxw-content);
  margin: 0 auto;
  padding: 0 var(--space-8);
}
.container--wide { max-width: var(--maxw-wide); }

.eyebrow {
  font-weight: var(--fw-bold);
  font-size: var(--fs-micro);
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--jer-blue);
  display: block;
  margin-bottom: var(--space-4);
}

.eyebrow--gold { color: var(--jer-accent); }

.section-title {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: var(--fs-h1);
  line-height: var(--lh-snug);
  letter-spacing: -0.015em;
  color: var(--mi-ink-900);
}

.section-title em { font-style: italic; color: var(--jer-blue); font-weight: var(--fw-light); }
.section-title--white, .section-title--white em { color: #fff; }
.section-title--white em { color: var(--jer-accent); }

.section-lead {
  font-weight: var(--fw-light);
  font-size: clamp(1rem, 1.5vw + 0.25rem, 1.25rem);
  line-height: var(--lh-loose);
  color: var(--mi-ink-600);
  max-width: 56ch;
}

.rule-accent {
  width: 48px;
  height: 2px;
  background: var(--jer-accent);
  margin: var(--space-6) 0;
}

.fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.55s var(--ease-out), transform 0.55s var(--ease-out);
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-h);
  z-index: 100;
  transition: background var(--dur-slow) var(--ease-out),
              box-shadow var(--dur-slow) var(--ease-out),
              backdrop-filter var(--dur-slow) var(--ease-out);
  background: transparent;
}

.nav.scrolled {
  background: rgba(11,39,96,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 1px 0 rgba(255,255,255,0.08);
}

.nav__inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 var(--space-8);
  max-width: var(--maxw-wide);
  margin: 0 auto;
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}

.nav__logo img {
  height: 52px;
  width: auto;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: var(--space-8);
}

.nav__links a {
  font-size: var(--fs-small);
  font-weight: var(--fw-bold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  transition: color var(--dur-fast) var(--ease-out);
  white-space: nowrap;
}

.nav__links a:hover,
.nav__links a.active {
  color: #fff;
  text-decoration: none;
}

.nav__cta {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  flex-shrink: 0;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-sans);
  font-weight: var(--fw-bold);
  font-size: var(--fs-small);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: var(--space-3) var(--space-6);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--dur-base) var(--ease-out);
  text-decoration: none;
  border: none;
  line-height: 1;
}

.btn--primary {
  background: var(--jer-accent);
  color: var(--jer-navy);
}
.btn--primary:hover {
  background: #d4b070;
  color: var(--jer-navy);
  text-decoration: none;
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(192,160,98,0.35);
}

.btn--outline {
  background: transparent;
  color: rgba(255,255,255,0.85);
  border: 1px solid rgba(255,255,255,0.35);
}
.btn--outline:hover {
  background: rgba(255,255,255,0.08);
  color: #fff;
  border-color: rgba(255,255,255,0.6);
  text-decoration: none;
}

.btn--large {
  font-size: var(--fs-body);
  padding: var(--space-4) var(--space-10);
  border-radius: var(--radius-md);
}

/* Mobile nav toggle */
.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: var(--space-2);
  background: none;
  border: none;
}

.nav__toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: rgba(255,255,255,0.85);
  border-radius: 2px;
  transition: all var(--dur-base) var(--ease-out);
}

.nav__toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav__toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.nav__mobile {
  display: none;
  position: fixed;
  top: var(--nav-h);
  left: 0; right: 0;
  background: rgba(11,39,96,0.98);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  padding: var(--space-6) var(--space-8) var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.1);
  flex-direction: column;
  gap: var(--space-1);
  z-index: 99;
}

.nav__mobile.open { display: flex; }

.nav__mobile a {
  font-size: var(--fs-body);
  font-weight: var(--fw-bold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  padding: var(--space-4) 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color var(--dur-fast);
}
.nav__mobile a:hover { color: #fff; text-decoration: none; }

.nav__mobile .btn--primary {
  margin-top: var(--space-4);
  text-align: center;
  justify-content: center;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 100svh;
  background: var(--jer-navy);
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
}

/* Subtle grid texture */
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size: 64px 64px;
  pointer-events: none;
}

/* Large decorative circle */
.hero::after {
  content: "";
  position: absolute;
  right: -10vw;
  top: -10vw;
  width: 60vw;
  height: 60vw;
  border-radius: 50%;
  border: 1px solid rgba(192,160,98,0.15);
  pointer-events: none;
}

.hero__inner {
  position: relative;
  z-index: 1;
  padding: calc(var(--nav-h) + var(--space-16)) var(--space-8) var(--space-20);
  max-width: var(--maxw-wide);
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}

.hero__content {
  max-width: 580px;
}

.hero__eyebrow {
  font-weight: var(--fw-bold);
  font-size: var(--fs-micro);
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--jer-accent);
  display: flex;
  align-items: center;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}

.hero__eyebrow::before {
  content: "";
  width: 32px;
  height: 1px;
  background: var(--jer-accent);
}

.hero__title {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: clamp(2.75rem, 4vw + 1rem, 5rem);
  line-height: 1.0;
  letter-spacing: -0.025em;
  color: #fff;
  margin-bottom: var(--space-6);
}

.hero__title em {
  font-style: italic;
  color: var(--jer-accent);
}

.hero__subtitle {
  font-weight: var(--fw-light);
  font-size: clamp(1rem, 1.5vw + 0.25rem, 1.2rem);
  line-height: 1.65;
  color: rgba(255,255,255,0.72);
  margin-bottom: var(--space-10);
  max-width: 46ch;
}

.hero__tags {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-bottom: var(--space-10);
}

.hero__tag {
  font-size: var(--fs-micro);
  font-weight: var(--fw-bold);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  border: 1px solid rgba(255,255,255,0.15);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-full);
}

.hero__actions {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
}

/* Hero right: accent panel */
.hero__panel {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

.hero__stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.hero__stat {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  transition: background var(--dur-base);
}

.hero__stat:hover { background: rgba(255,255,255,0.08); }

.hero__stat-num {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: clamp(1.75rem, 2.5vw + 0.5rem, 2.5rem);
  line-height: 1;
  color: var(--jer-accent);
  letter-spacing: -0.02em;
  margin-bottom: var(--space-2);
}

.hero__stat-lbl {
  font-size: var(--fs-small);
  font-weight: var(--fw-bold);
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.04em;
  line-height: 1.4;
}

.hero__geo {
  font-size: var(--fs-micro);
  font-weight: var(--fw-bold);
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: var(--space-4);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.hero__geo-dot {
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--jer-accent);
  flex-shrink: 0;
}

/* Hero scroll indicator */
.hero__scroll {
  position: absolute;
  bottom: var(--space-8);
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
  color: rgba(255,255,255,0.3);
  font-size: 10px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.2em;
  text-transform: uppercase;
  animation: scrollBounce 2s var(--ease-in-out) infinite;
  z-index: 1;
}

.hero__scroll-line {
  width: 1px;
  height: 40px;
  background: linear-gradient(to bottom, rgba(255,255,255,0.3), transparent);
}

@keyframes scrollBounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(6px); }
}

/* ============================================================
   BAND (thin marquee-style brand bar)
   ============================================================ */
.band {
  background: var(--jer-accent);
  padding: var(--space-4) 0;
  overflow: hidden;
}

.band__inner {
  display: flex;
  gap: var(--space-12);
  align-items: center;
  white-space: nowrap;
  font-size: var(--fs-micro);
  font-weight: var(--fw-bold);
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--jer-navy);
  flex-wrap: nowrap;
}

.band__sep {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--jer-navy);
  opacity: 0.45;
  flex-shrink: 0;
}

/* ============================================================
   SECTION SHARED
   ============================================================ */
.section {
  padding: var(--space-24) 0;
}

.section--sm { padding: var(--space-16) 0; }
.section--lg { padding: calc(var(--space-24) * 1.5) 0; }
.section--dark { background: var(--jer-navy); }
.section--paper { background: var(--jer-paper); }
.section--blue { background: var(--jer-blue); }

.section__header {
  margin-bottom: var(--space-16);
}

.section__header--center {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

/* ============================================================
   OVERVIEW SECTION
   ============================================================ */
.overview {
  background: var(--mi-white);
}

.overview__grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: var(--space-16);
  align-items: start;
}

.overview__left .section-lead {
  margin-top: var(--space-6);
}

.overview__left p + p {
  margin-top: var(--space-4);
}

.overview__pillars {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border: 1px solid var(--mi-ink-200);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.overview__pillar {
  padding: var(--space-8) var(--space-6);
  border-right: 1px solid var(--mi-ink-200);
  border-bottom: 1px solid var(--mi-ink-200);
  transition: background var(--dur-base);
}

.overview__pillar:nth-child(2n) { border-right: none; }
.overview__pillar:nth-child(3), .overview__pillar:nth-child(4) { border-bottom: none; }

.overview__pillar:hover { background: var(--jer-paper); }

.overview__pillar-n {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 1.75rem;
  color: var(--jer-accent);
  line-height: 1;
  margin-bottom: var(--space-3);
}

.overview__pillar-lbl {
  font-size: var(--fs-small);
  font-weight: var(--fw-bold);
  color: var(--mi-ink-900);
  line-height: 1.4;
}

/* ============================================================
   VALUE PROPOSITION
   ============================================================ */
.value {
  background: var(--jer-navy);
}

.value__grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: var(--space-16);
  align-items: start;
}

.value__left .section-title--white {
  margin-top: var(--space-4);
}

.value__lead {
  color: rgba(255,255,255,0.7);
  font-weight: var(--fw-light);
  font-size: clamp(0.95rem, 1.2vw + 0.25rem, 1.1rem);
  line-height: 1.65;
  margin-top: var(--space-6);
  max-width: 40ch;
}

.value__risks {
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid rgba(255,255,255,0.12);
}

.value__risk {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: var(--space-6);
  padding: var(--space-6) 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  align-items: center;
  transition: background var(--dur-base);
  cursor: default;
}

.value__risk:hover { background: rgba(255,255,255,0.03); }
.value__risk:hover .value__risk-label { color: var(--jer-accent); }

.value__risk-code {
  font-size: 10px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
}

.value__risk-label {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: clamp(1rem, 1.5vw + 0.25rem, 1.25rem);
  color: rgba(255,255,255,0.85);
  letter-spacing: -0.01em;
  transition: color var(--dur-base);
}

.value__principle {
  margin-top: var(--space-10);
  background: rgba(192,160,98,0.1);
  border-left: 3px solid var(--jer-accent);
  padding: var(--space-6) var(--space-8);
}

.value__principle-label {
  font-size: 10px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--jer-accent);
  margin-bottom: var(--space-3);
}

.value__principle-text {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: clamp(0.95rem, 1.2vw + 0.25rem, 1.1rem);
  color: rgba(255,255,255,0.85);
  line-height: 1.6;
}

.value__principle-text b {
  color: var(--jer-accent);
  font-weight: var(--fw-regular);
}

/* ============================================================
   SERVICES
   ============================================================ */
.services {
  background: var(--jer-paper);
}

.services__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border: 1px solid var(--mi-ink-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-top: var(--space-12);
}

.service {
  padding: var(--space-10) var(--space-8);
  border-right: 1px solid var(--mi-ink-200);
  border-bottom: 1px solid var(--mi-ink-200);
  background: #fff;
  transition: background var(--dur-base), box-shadow var(--dur-base);
  position: relative;
}

.service:nth-child(2n) { border-right: none; }
.service:nth-child(3), .service:nth-child(4) { border-bottom: none; }

.service::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--jer-accent);
  opacity: 0;
  transition: opacity var(--dur-base);
}

.service:hover { background: var(--jer-paper); box-shadow: var(--shadow-md); z-index: 1; }
.service:hover::before { opacity: 1; }

.service__num {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 2.25rem;
  color: var(--jer-accent);
  line-height: 1;
  margin-bottom: var(--space-4);
}

.service__sub {
  font-size: 10px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--jer-blue);
  margin-bottom: var(--space-3);
}

.service h3 {
  font-weight: var(--fw-bold);
  font-size: 1.1rem;
  color: var(--mi-ink-900);
  margin-bottom: var(--space-4);
  line-height: 1.3;
}

.service ul {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.service li {
  font-size: var(--fs-small);
  color: var(--mi-ink-700);
  padding-left: var(--space-5);
  position: relative;
  line-height: 1.5;
}

.service li::before {
  content: "—";
  position: absolute;
  left: 0;
  color: var(--jer-accent);
  font-size: 11px;
}

/* ============================================================
   IOLTA / ESCROW
   ============================================================ */
.escrow {
  background: var(--mi-white);
}

.escrow__grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: var(--space-16);
  align-items: start;
}

.escrow__features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-top: var(--space-8);
}

.feature-card {
  padding: var(--space-6);
  background: var(--mi-blue-50);
  border-left: 3px solid var(--jer-blue);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  transition: background var(--dur-base);
}

.feature-card:hover { background: #dce8f7; }

.feature-card h4 {
  font-size: var(--fs-small);
  font-weight: var(--fw-bold);
  color: var(--mi-ink-900);
  margin-bottom: var(--space-2);
  line-height: 1.3;
}

.feature-card p {
  font-size: 13px;
  color: var(--mi-ink-700);
  line-height: 1.55;
}

.escrow__pull {
  background: var(--jer-navy);
  color: #fff;
  padding: var(--space-8) var(--space-8);
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--space-8);
  align-items: center;
  margin-top: var(--space-6);
  border-radius: var(--radius-md);
}

.escrow__pull-label {
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--jer-accent);
  font-weight: var(--fw-bold);
  border-right: 1px solid rgba(255,255,255,0.2);
  padding-right: var(--space-8);
  line-height: 1.5;
  white-space: nowrap;
}

.escrow__pull-text {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: clamp(0.9rem, 1.2vw + 0.2rem, 1.05rem);
  line-height: 1.55;
  color: rgba(255,255,255,0.85);
}

.escrow__pull-text b {
  color: var(--jer-accent);
  font-weight: var(--fw-regular);
}

.escrow__visual {
  position: sticky;
  top: calc(var(--nav-h) + var(--space-8));
}

.escrow__iolta-badge {
  background: var(--jer-navy);
  border-radius: var(--radius-lg);
  padding: var(--space-10) var(--space-10);
  color: #fff;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.escrow__iolta-badge::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 32px 32px;
}

.escrow__iolta-badge-inner { position: relative; z-index: 1; }

.escrow__iolta-circle {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  border: 2px solid var(--jer-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-6);
  position: relative;
}

.escrow__iolta-circle::before {
  content: "";
  position: absolute;
  inset: -8px;
  border-radius: 50%;
  border: 1px solid rgba(192,160,98,0.25);
}

.escrow__iolta-label {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 1.75rem;
  color: var(--jer-accent);
  letter-spacing: 0.05em;
}

.escrow__iolta-title {
  font-size: var(--fs-h4);
  font-weight: var(--fw-light);
  margin-bottom: var(--space-2);
  color: #fff;
}

.escrow__iolta-sub {
  font-size: var(--fs-small);
  color: rgba(255,255,255,0.55);
  margin-bottom: var(--space-8);
}

.escrow__iolta-items {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  text-align: left;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: var(--space-6);
}

.escrow__iolta-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--fs-small);
  color: rgba(255,255,255,0.75);
}

.escrow__iolta-item-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--jer-accent);
  flex-shrink: 0;
}

/* ============================================================
   WHY COUNSEL
   ============================================================ */
.counsel {
  background: var(--jer-paper);
}

.counsel__intro {
  max-width: 52ch;
  margin-top: var(--space-6);
}

.counsel__items {
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid var(--mi-ink-200);
  margin-top: var(--space-12);
}

.counsel__item {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: var(--space-8);
  padding: var(--space-8) 0;
  border-bottom: 1px solid var(--mi-ink-200);
  cursor: default;
  transition: background var(--dur-base);
}

.counsel__item:hover { background: rgba(255,255,255,0.6); }
.counsel__item:hover .counsel__item-num { color: var(--jer-accent); }

.counsel__item-num {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 2.25rem;
  color: var(--jer-blue);
  line-height: 1;
  transition: color var(--dur-base);
  padding-top: 2px;
}

.counsel__item-body h3 {
  font-weight: var(--fw-bold);
  font-size: var(--fs-h4);
  color: var(--mi-ink-900);
  margin-bottom: var(--space-3);
  line-height: 1.3;
}

.counsel__item-body > p {
  font-size: var(--fs-small);
  color: var(--mi-ink-600);
  line-height: 1.6;
  margin-bottom: var(--space-5);
  max-width: 58ch;
}

.counsel__compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.counsel__col-head {
  font-size: 10px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: var(--space-3);
  padding-bottom: var(--space-2);
  border-bottom: 2px solid var(--mi-ink-200);
}

.counsel__col-head--firm { color: var(--jer-blue); border-color: var(--jer-blue); }
.counsel__col-head--other { color: var(--mi-ink-400); }

.counsel__compare-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.counsel__compare-list li {
  font-size: 12px;
  color: var(--mi-ink-700);
  padding-left: var(--space-4);
  position: relative;
  line-height: 1.5;
}

.counsel__col--firm .counsel__compare-list li::before {
  content: "●";
  position: absolute;
  left: 0;
  color: var(--jer-blue);
  font-size: 8px;
  top: 4px;
}

.counsel__col--other .counsel__compare-list li::before {
  content: "○";
  position: absolute;
  left: 0;
  color: var(--mi-ink-400);
  font-size: 8px;
  top: 4px;
}

/* ============================================================
   FOUNDER
   ============================================================ */
.founder {
  background: var(--mi-white);
}

.founder__grid {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: var(--space-16);
  align-items: start;
}

.founder__aside {
  position: sticky;
  top: calc(var(--nav-h) + var(--space-8));
}

.founder__card {
  background: var(--jer-navy);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.founder__card-top {
  padding: var(--space-8);
  background: var(--jer-navy);
  position: relative;
}

.founder__card-top::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 24px 24px;
}

.founder__monogram {
  position: relative;
  z-index: 1;
  width: 80px;
  height: 80px;
  border-radius: 50%;
  border: 1px solid var(--jer-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
}

.founder__monogram-inner {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 1.5rem;
  color: var(--jer-accent);
  letter-spacing: 0.05em;
}

.founder__name {
  position: relative;
  z-index: 1;
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 1.4rem;
  color: #fff;
  line-height: 1.2;
  margin-bottom: var(--space-2);
}

.founder__title {
  position: relative;
  z-index: 1;
  font-size: 10px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--jer-accent);
}

.founder__card-bottom {
  padding: var(--space-6) var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.founder__cred {
  padding-top: var(--space-4);
  border-top: 1px solid rgba(255,255,255,0.07);
}

.founder__cred:first-child { padding-top: 0; border-top: none; }

.founder__cred-lbl {
  font-size: 9px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: var(--space-1);
}

.founder__cred-val {
  font-size: var(--fs-small);
  font-weight: var(--fw-bold);
  color: rgba(255,255,255,0.85);
  line-height: 1.35;
}

.founder__cred-sub {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  margin-top: 2px;
}

.founder__content {
  padding-top: var(--space-8);
}

.founder__eyebrow {
  margin-bottom: var(--space-4);
}

.founder__role {
  font-size: var(--fs-small);
  font-weight: var(--fw-light);
  color: var(--mi-ink-600);
  line-height: 1.6;
  max-width: 50ch;
  margin-top: var(--space-4);
}

.founder__exp-title {
  font-weight: var(--fw-bold);
  font-size: var(--fs-h5);
  color: var(--mi-ink-900);
  margin: var(--space-10) 0 var(--space-6);
}

.founder__exp-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.exp-card {
  padding: var(--space-6);
  background: var(--jer-paper);
  border-top: 2px solid var(--jer-accent);
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
}

.exp-card__lbl {
  font-size: 9px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--mi-ink-500);
  margin-bottom: var(--space-3);
}

.exp-card h4 {
  font-size: var(--fs-small);
  font-weight: var(--fw-bold);
  color: var(--mi-ink-900);
  margin-bottom: var(--space-3);
  line-height: 1.35;
}

.exp-card ul {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.exp-card li {
  font-size: 12px;
  color: var(--mi-ink-700);
  padding-left: var(--space-4);
  position: relative;
  line-height: 1.5;
}

.exp-card li::before {
  content: "—";
  position: absolute;
  left: 0;
  color: var(--jer-accent);
  font-size: 10px;
}

/* ============================================================
   CLIENTS
   ============================================================ */
.clients {
  background: var(--jer-paper);
}

.clients__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4);
  margin-top: var(--space-12);
}

.client-card {
  background: #fff;
  border: 1px solid var(--mi-ink-200);
  border-radius: var(--radius-md);
  padding: var(--space-8);
  transition: border-color var(--dur-base), box-shadow var(--dur-base), transform var(--dur-base);
}

.client-card:hover {
  border-color: var(--jer-accent);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.client-card__lbl {
  font-size: 9px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--mi-ink-500);
  margin-bottom: var(--space-3);
}

.client-card__name {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 1.2rem;
  color: var(--mi-ink-900);
  line-height: 1.35;
  letter-spacing: -0.01em;
}

/* ============================================================
   CONTACT / CLOSING
   ============================================================ */
.closing {
  background: var(--jer-navy);
  position: relative;
  overflow: hidden;
}

.closing::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 64px 64px;
}

.closing::after {
  content: "";
  position: absolute;
  left: -20vw;
  bottom: -20vw;
  width: 60vw;
  height: 60vw;
  border-radius: 50%;
  border: 1px solid rgba(192,160,98,0.12);
  pointer-events: none;
}

.closing__inner {
  position: relative;
  z-index: 1;
}

.closing__quote {
  max-width: 760px;
  margin-bottom: var(--space-16);
}

.closing__quote-mark {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: 5rem;
  color: var(--jer-accent);
  line-height: 0.5;
  margin-bottom: var(--space-6);
}

.closing__quote-text {
  font-family: var(--font-display);
  font-weight: var(--fw-light);
  font-size: clamp(1.3rem, 2vw + 0.5rem, 1.875rem);
  line-height: 1.35;
  letter-spacing: -0.015em;
  color: rgba(255,255,255,0.9);
}

.closing__quote-text em {
  font-style: italic;
  color: var(--jer-accent);
}

.closing__contact {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  padding-top: var(--space-10);
  border-top: 1px solid rgba(255,255,255,0.12);
}

.closing__firm-name {
  font-size: var(--fs-h4);
  font-weight: var(--fw-bold);
  color: #fff;
  margin-bottom: var(--space-3);
}

.closing__addr {
  font-size: var(--fs-small);
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
}

.closing__rows {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.closing__row {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: var(--space-4);
  align-items: baseline;
}

.closing__row-lbl {
  font-size: 9px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
}

.closing__row-val {
  font-size: var(--fs-small);
  font-weight: var(--fw-bold);
  color: rgba(255,255,255,0.85);
}

.closing__row-val a {
  color: var(--jer-accent);
  transition: opacity var(--dur-fast);
}

.closing__row-val a:hover { opacity: 0.8; text-decoration: none; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--mi-ink-900);
  padding: var(--space-8) 0;
}

.footer__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-8);
  flex-wrap: wrap;
}

.footer__logo img {
  height: 40px;
  width: auto;
  opacity: 0.6;
}

.footer__copy {
  font-size: 11px;
  color: rgba(255,255,255,0.3);
  letter-spacing: 0.06em;
}

.footer__bar {
  font-size: 11px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.25);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.footer__bar::before {
  content: "";
  width: 16px;
  height: 1px;
  background: var(--jer-accent);
  opacity: 0.6;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero__inner {
    grid-template-columns: 1fr;
    gap: var(--space-12);
  }
  .hero__panel { display: none; }

  .overview__grid,
  .value__grid,
  .escrow__grid { grid-template-columns: 1fr; }

  .escrow__visual { position: static; }

  .founder__grid { grid-template-columns: 1fr; }
  .founder__aside { position: static; }
}

@media (max-width: 768px) {
  .nav__links { display: none; }
  .nav__cta .nav__contact-btn { display: none; }
  .nav__toggle { display: flex; }

  .container { padding: 0 var(--space-6); }

  .section { padding: var(--space-16) 0; }

  .hero__inner { padding-top: calc(var(--nav-h) + var(--space-12)); padding-bottom: var(--space-16); }
  .hero__title { font-size: clamp(2rem, 7vw, 3rem); }

  .services__grid { grid-template-columns: 1fr; }
  .service:nth-child(2n) { border-right: 1px solid var(--mi-ink-200); }
  .service:nth-child(n) { border-bottom: 1px solid var(--mi-ink-200); }
  .service:last-child { border-bottom: none; }

  .counsel__item { grid-template-columns: 52px 1fr; gap: var(--space-5); }
  .counsel__compare { grid-template-columns: 1fr; gap: var(--space-4); }

  .founder__exp-grid { grid-template-columns: 1fr; }

  .clients__grid { grid-template-columns: 1fr; }

  .closing__contact {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }

  .overview__pillars { grid-template-columns: 1fr; }
  .overview__pillar:nth-child(2n) { border-right: 1px solid var(--mi-ink-200); }
  .overview__pillar:nth-child(n) { border-bottom: 1px solid var(--mi-ink-200); }
  .overview__pillar:last-child { border-bottom: none; }

  .escrow__features { grid-template-columns: 1fr; }

  .hero__stat-grid { grid-template-columns: 1fr 1fr; }

  .footer__inner { flex-direction: column; align-items: flex-start; }
}

/* ── Footer disclaimer ─────────────────────────────────── */
.footer__disclaimer {
  border-top: 1px solid rgba(255,255,255,0.08);
  margin-top: 24px;
  padding-top: 20px;
  font-size: 0.75rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.35);
  text-align: center;
  max-width: 72ch;
  margin-left: auto;
  margin-right: auto;
}

/* ── Lang switcher ─────────────────────────────────────── */
.lang-switcher {
  display: flex;
  align-items: center;
  gap: 2px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-full);
  padding: 3px;
}
.lang-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 30px;
  border-radius: var(--radius-full);
  border: none;
  background: transparent;
  cursor: pointer;
  font-size: 18px;
  line-height: 1;
  transition: background var(--dur-fast), opacity var(--dur-fast);
  opacity: 0.5;
}
.lang-btn--active {
  background: rgba(255,255,255,0.18);
  opacity: 1;
}
.lang-btn:hover:not(.lang-btn--active) {
  opacity: 0.8;
  background: rgba(255,255,255,0.08);
}

@media (max-width: 480px) {
  .hero__actions { flex-direction: column; }
  .hero__tags { gap: var(--space-2); }
  .hero__stat-grid { grid-template-columns: 1fr; }
  .closing__row { grid-template-columns: 60px 1fr; }
}