:root {
  --black: #0b0b0b;
  --charcoal: #171717;
  --gold: #a77a2c;
  --gold-light: #d1ad65;
  --cream: #f6f3ed;
  --white: #ffffff;
  --muted: #6c6c6c;
  --line: #e6e0d4;
  --max: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter", sans-serif;
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.6;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; }

.container { width: min(calc(100% - 40px), var(--max)); margin-inline: auto; }
.section { padding: 96px 0; }
.section-sm { padding: 36px 0; }
.muted { background: var(--cream); }

h1, h2, h3, h4, p { margin-top: 0; }
h1, h2 {
  font-family: "Cormorant Garamond", serif;
  font-weight: 600;
  line-height: 1.02;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2.9rem, 4.5vw, 4.5rem); max-width: 820px; }
h2 { font-size: clamp(2.2rem, 3.2vw, 3.4rem); }
h3 { font-size: 1.15rem; }
.lead { max-width: 720px; font-size: 1.05rem; color: #4b4b4b; }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: .16em;
  font-size: .73rem;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 18px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(11, 11, 11, 0.96);
  color: var(--white);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.header-inner { min-height: 78px; display: flex; align-items: center; gap: 20px; }
.brand { display: inline-flex; align-items: center; gap: 12px; min-width: max-content; }
.brand-mark { width: 40px; color: var(--gold-light); }
.brand-text { display: grid; line-height: 1; }
.brand-text strong { font-family: "Cormorant Garamond", serif; font-size: 1.3rem; letter-spacing: .08em; }
.brand-text small { font-size: .55rem; letter-spacing: .18em; margin-top: 4px; }
.main-nav { margin-left: auto; display: flex; align-items: center; gap: 20px; }
.main-nav a { position: relative; padding: 28px 0 25px; font-size: .79rem; color: rgba(255,255,255,.76); white-space: nowrap; }
.main-nav a::after { content: ""; position: absolute; left: 0; right: 100%; bottom: 20px; height: 1px; background: var(--gold-light); transition: right .25s ease; }
.main-nav a:hover, .main-nav a.active { color: white; }
.main-nav a:hover::after, .main-nav a.active::after { right: 0; }
.header-cta { margin-left: 8px; }
.client-login-link { flex: 0 0 auto; padding: 9px 12px; border: 1px solid rgba(209,173,101,.65); color: var(--gold-light); font-size: .68rem; font-weight: 600; white-space: nowrap; }
.client-login-link:hover { background: var(--gold); color: white; }
.menu-toggle { display: none; margin-left: auto; background: transparent; border: 0; padding: 8px; }
.menu-toggle span { display: block; width: 24px; height: 2px; background: white; margin: 5px 0; }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 14px 22px;
  border-radius: 2px;
  font-weight: 600;
  font-size: .9rem;
  transition: .25s ease;
}
.button-gold { background: var(--gold); color: var(--white); }
.button-gold:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(184,137,45,.25); }
.button-outline { border: 1px solid var(--gold); color: var(--gold-light); }
.button-outline:hover { background: var(--gold); color: var(--black); }
.text-link { display: inline-flex; gap: 10px; align-items: center; font-weight: 600; }
.text-link span { color: var(--gold); }

.hero { padding: 120px 0 90px; overflow: hidden; }
.page-hero { padding: 110px 0 90px; background: linear-gradient(135deg, var(--cream), #fff); border-bottom: 1px solid var(--line); }
.page-hero h1 { max-width: 950px; margin-bottom: 24px; }
.page-hero .lead { max-width: 680px; }
body[data-page="local-authorities"] .page-hero,
body[data-page="cash-deposits"] .page-hero,
body[data-page="client-money"] .page-hero,
body[data-page="team"] .page-hero { position: relative; overflow: hidden; color: white; background: #111; }
body[data-page="local-authorities"] .page-hero::after,
body[data-page="cash-deposits"] .page-hero::after,
body[data-page="client-money"] .page-hero::after,
body[data-page="team"] .page-hero::after { content: ""; position: absolute; inset: 0 0 0 58%; background: linear-gradient(90deg, #111 0%, rgba(17,17,17,.35) 35%, rgba(17,17,17,.08)), url("assets/institutional-architecture.png") center/cover; opacity: .58; }
body[data-page="cash-deposits"] .page-hero::after { background-position: 62% center; filter: grayscale(.3); }
body[data-page="client-money"] .page-hero::after { background-position: 38% center; filter: grayscale(.65); }
body[data-page="team"] .page-hero::after { background-position: 20% center; opacity: .42; }
body[data-page="local-authorities"] .page-hero .container,
body[data-page="cash-deposits"] .page-hero .container,
body[data-page="client-money"] .page-hero .container,
body[data-page="team"] .page-hero .container { position: relative; z-index: 1; }
body[data-page="local-authorities"] .page-hero .lead,
body[data-page="cash-deposits"] .page-hero .lead,
body[data-page="client-money"] .page-hero .lead,
body[data-page="team"] .page-hero .lead { color: rgba(255,255,255,.68); }
body[data-page="contact"] .page-hero { background: var(--black); color: white; }
body[data-page="contact"] .page-hero .lead { color: rgba(255,255,255,.68); }
.hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; align-items: center; gap: 60px; }
.hero-grid > *, .hero-rates, .rate-carousel, .indicative-rates { min-width: 0; }
.hero-actions { display: flex; align-items: center; gap: 28px; margin-top: 36px; flex-wrap: wrap; }
.dealing-status { display: flex; align-items: center; gap: 9px; margin: -5px 0 22px; color: var(--muted); font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; }
.dealing-status span { width: 7px; height: 7px; border-radius: 50%; background: #5c8b68; box-shadow: 0 0 0 4px rgba(92,139,104,.12); }
.hero-art { min-height: 500px; position: relative; }
.architectural-lines {
  position: absolute;
  inset: 30px 0 0 0;
  opacity: .35;
  background:
    linear-gradient(90deg, transparent 0 8%, rgba(184,137,45,.12) 8% 9%, transparent 9% 18%, rgba(184,137,45,.08) 18% 19%, transparent 19% 100%),
    linear-gradient(180deg, transparent 0 72%, rgba(0,0,0,.06) 72% 73%, transparent 73% 100%);
}
.architectural-lines::before,
.architectural-lines::after {
  content: "";
  position: absolute;
  bottom: 0;
  width: 120px;
  height: 360px;
  border: 1px solid rgba(184,137,45,.12);
  border-bottom: 0;
  background: linear-gradient(90deg, rgba(255,255,255,.2), rgba(184,137,45,.04));
}
.architectural-lines::before { right: 180px; }
.architectural-lines::after { right: 25px; height: 420px; }
.hero-crown { position: absolute; right: -30px; top: 120px; width: 440px; color: rgba(184,137,45,.75); }

.stats { background: var(--cream); border-block: 1px solid var(--line); }
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); }
.stat { padding: 18px 28px; text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat strong { display: block; font-family: "Cormorant Garamond", serif; font-size: 2.7rem; line-height: 1; }
.stat span { color: var(--muted); font-size: .9rem; }

.split-layout { display: grid; grid-template-columns: .85fr 1.35fr; gap: 70px; align-items: start; }
.section-copy p:not(.eyebrow) { max-width: 520px; color: var(--muted); }
.rates-panel { border: 1px solid var(--line); background: #fff; }
.rates-header, .rate-row { display: grid; grid-template-columns: 1.4fr .8fr .7fr; gap: 18px; padding: 18px 22px; align-items: center; }
.rates-header { font-size: .75rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; background: var(--cream); }
.rate-row { border-top: 1px solid var(--line); }
.rate-row span:nth-child(2) { color: var(--gold); font-weight: 700; }
.updated, .disclaimer { padding: 0 22px; color: var(--muted); font-size: .78rem; }
.updated { margin-top: 20px; }
.disclaimer { padding-bottom: 20px; }

.section-heading { margin-bottom: 46px; }
.inline-heading { display: flex; align-items: end; justify-content: space-between; gap: 20px; }
.card-grid.four { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.service-card { padding: 30px 24px 30px 0; border: 0; border-top: 1px solid #cbbfaa; background: transparent; min-height: 230px; }
.service-card .icon { font-size: 2rem; color: var(--gold); margin-bottom: 34px; }
.service-card p { color: var(--muted); }
.service-card a { color: var(--gold); font-weight: 600; }
.section-action { margin: 38px 0 0; }
.prose { max-width: 650px; color: var(--muted); font-size: 1.05rem; }
.feature-list { display: grid; border-top: 1px solid var(--line); }
.feature-list > a, .feature-list > div { display: grid; gap: 5px; padding: 22px 4px; border-bottom: 1px solid var(--line); }
.feature-list span { color: var(--muted); font-size: .92rem; }
.feature-list a:hover strong { color: var(--gold); }

.placement-section { background: #e9ecee; overflow: hidden; }
.placement-process { position: relative; display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px; }
.placement-process::before { content: ""; position: absolute; left: 4%; right: 4%; top: 61px; height: 2px; background: var(--gold); z-index: 0; }
.placement-process article { position: relative; z-index: 1; min-height: 225px; padding: 28px 21px; background: #fff; border: 1px solid #b7bdc2; border-radius: 8px; box-shadow: 0 12px 28px rgba(20,20,20,.045); transition: transform .25s ease, box-shadow .25s ease; }
.placement-process article:hover { transform: translateY(-4px); box-shadow: 0 18px 35px rgba(20,20,20,.09); }
.placement-process article:nth-child(even) { background: #e2e6e9; }
.placement-process span { display: block; color: #d1a058; font-size: 1.2rem; font-weight: 600; margin-bottom: 15px; }
.placement-process h3 { font-size: .95rem; line-height: 1.1; margin-bottom: 14px; }
.placement-process p { color: #47505a; font-size: .75rem; line-height: 1.35; }
.process-note { color: var(--muted); font-size: .8rem; margin: 28px 0 0; }

.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.team-card { border: 0; border-top: 1px solid #cbbfaa; padding: 30px 24px 30px 0; }
.team-card h2 { font-size: 2.2rem; }
.team-card > p:not(.eyebrow), .team-card > a { color: var(--muted); }
.team-initials { width: 76px; height: 76px; display: grid; place-items: center; margin-bottom: 28px; border-radius: 50%; background: linear-gradient(145deg, #292721, var(--black)); color: var(--gold-light); border: 1px solid rgba(167,122,44,.45); font-family: "Cormorant Garamond", serif; font-size: 1.6rem; }

.benefit-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; border-block: 1px solid var(--line); }
.benefit { padding: 36px 28px; border-right: 1px solid var(--line); }
.benefit:last-child { border-right: 0; }
.benefit p { color: var(--muted); }

.dark-band { background: var(--black); color: white; }
.dark-band .eyebrow { color: var(--gold-light); }
.why-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 26px; }
.why-grid article { padding-right: 26px; border-right: 1px solid rgba(255,255,255,.12); }
.why-grid article:last-child { border-right: 0; }
.why-grid span { color: var(--gold-light); font-family: "Cormorant Garamond", serif; font-size: 2rem; }
.why-grid p { color: rgba(255,255,255,.65); }

.process-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 28px; }
.process-step { position: relative; padding-top: 16px; }
.process-step span { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 50%; background: var(--gold); color: white; font-weight: 700; margin-bottom: 22px; }
.process-step p { color: var(--muted); }

.insight-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.insight-card { border-top: 2px solid var(--gold); padding: 26px 0 0; }
.insight-tag { color: var(--gold); font-size: .75rem; text-transform: uppercase; letter-spacing: .08em; }
.insight-card p { color: var(--muted); }
.insight-card a { font-weight: 600; }

.governance-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 50px; align-items: center; }
.governance-links { display: grid; grid-template-columns: repeat(2,1fr); border: 1px solid var(--line); }
.governance-links a { padding: 22px; display: flex; justify-content: space-between; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.governance-links a:nth-child(2n) { border-right: 0; }
.governance-links a:nth-last-child(-n+2) { border-bottom: 0; }

.cta-section { background: var(--cream); border-top: 1px solid var(--line); padding: 64px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta-inner h2 { max-width: 760px; margin-bottom: 10px; font-size: clamp(1.9rem, 2.7vw, 2.7rem); line-height: 1.08; }

.site-footer { background: var(--black); color: rgba(255,255,255,.78); padding: 70px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(4,1fr); gap: 36px; }
.footer-brand { color: white; margin-bottom: 22px; }
.site-footer h4 { color: white; margin-bottom: 18px; }
.site-footer a, .site-footer span { display: block; margin-bottom: 10px; font-size: .86rem; }
.site-footer a:hover { color: var(--gold-light); }
.footer-bottom { margin-top: 50px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); display: flex; justify-content: space-between; gap: 20px; font-size: .75rem; }
.simple-footer { background: var(--black); color: rgba(255,255,255,.7); padding: 62px 0 22px; border-top: 3px solid var(--gold); }
.footer-main { display: grid; grid-template-columns: 1.6fr .8fr .8fr 1.2fr; gap: 52px; align-items: start; }
.footer-intro { max-width: 300px; }
.footer-intro > p { margin: 22px 0 0; color: rgba(255,255,255,.55); font-size: .85rem; }
.footer-brand { color: white; }
.footer-column { display: grid; align-content: start; gap: 9px; }
.footer-column h3 { margin: 0 0 9px; color: var(--gold-light); font-size: .72rem; text-transform: uppercase; letter-spacing: .14em; }
.footer-column a, .footer-column span { color: rgba(255,255,255,.72); font-size: .82rem; overflow-wrap: anywhere; }
.footer-column a:hover { color: white; }
.footer-regulatory { margin-top: 44px; padding: 22px 24px; border: 1px solid rgba(214,180,108,.28); background: rgba(255,255,255,.035); }
.footer-regulatory p { max-width: 1000px; margin: 0; color: rgba(255,255,255,.62); font-size: .72rem; line-height: 1.65; }
.footer-regulatory p + p { margin-top: 8px; }
.footer-regulatory a { display: inline-block; margin-top: 12px; color: var(--gold-light); font-size: .72rem; font-weight: 600; }
.footer-regulatory a:hover { color: white; }
.footer-legal { display: flex; justify-content: space-between; gap: 20px; margin-top: 22px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1); color: rgba(255,255,255,.42); font-size: .7rem; }
.footer-legal p { margin: 0; }
.footer-legal a:hover { color: var(--gold-light); }
.footer-legal > div { display: flex; gap: 20px; }
.contact-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.contact-card { position: relative; background: white; border: 0; border-top: 2px solid var(--gold); padding: 36px; min-width: 0; box-shadow: 0 14px 38px rgba(20,20,20,.055); }
.contact-card h2 { font-size: clamp(1.6rem, 3vw, 2.8rem); overflow-wrap: anywhere; }
.contact-card p:last-child { color: var(--muted); }
.rates-section { background: var(--cream); border-bottom: 1px solid var(--line); }
.rates-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: center; }
.indicative-rates { overflow: hidden; border: 1px solid #d7d0c2; border-radius: 4px; background: white; box-shadow: 0 18px 45px rgba(20,20,20,.06); }
.indicative-rates__head, .indicative-rates__row { display: grid; grid-template-columns: 1.3fr .8fr .75fr; gap: 18px; align-items: center; padding: 17px 22px; }
.indicative-rates__head { background: var(--black); color: rgba(255,255,255,.72); text-transform: uppercase; letter-spacing: .08em; font-size: .68rem; }
.indicative-rates__row { border-bottom: 1px solid var(--line); font-size: .88rem; }
.indicative-rates__row span { color: var(--muted); }
.indicative-rates__row b { color: var(--gold); }
.rates-meta { display: flex; justify-content: space-between; gap: 15px; padding: 13px 22px; color: var(--muted); background: #faf8f4; font-size: .65rem; }
.rates-disclaimer { margin: 0; padding: 0 22px 13px; color: var(--muted); background: #faf8f4; font-size: .65rem; }
.hero-rates { min-height: 0; padding: 24px; border: 1px solid #c9ced2; border-radius: 12px; background: #eef0f2; box-shadow: 0 22px 60px rgba(20,20,20,.1); }
.hero-rates__heading { display: flex; align-items: center; justify-content: space-between; gap: 15px; }
.hero-rates__heading .eyebrow { margin-bottom: 12px; }
.hero-rates__heading > span { color: var(--muted); font-size: .7rem; }
.hero-rates .rate-tabs { margin-bottom: 12px; }
.hero-rates .rate-tabs button { padding: 8px 12px; font-size: .72rem; }
.rate-tabs { display: flex; gap: 8px; margin-bottom: 18px; overflow-x: auto; }
.rate-tabs button { border: 1px solid #aeb5bc; border-radius: 999px; padding: 10px 18px; background: transparent; color: var(--charcoal); cursor: pointer; white-space: nowrap; }
.rate-tabs button[aria-selected="true"] { border-color: var(--gold); background: var(--black); color: white; }
.rate-carousel { display: grid; grid-template-columns: .7fr 1.3fr; gap: 45px; align-items: center; min-height: 290px; padding: 34px; border: 1px solid #c9ced2; border-radius: 12px; background: white; }
.rate-carousel__copy h3 { font-family: "Cormorant Garamond", serif; font-size: 2.2rem; line-height: 1.05; margin-bottom: 16px; }
.rate-carousel__copy > p:not(.eyebrow) { color: var(--muted); }
.rate-controls { display: flex; justify-content: flex-end; align-items: center; gap: 14px; margin-top: 16px; }
.rate-controls button { width: 38px; height: 38px; border: 1px solid #aeb5bc; border-radius: 50%; background: white; cursor: pointer; }
.rate-controls button:hover { border-color: var(--gold); color: var(--gold); }
.rate-position { color: var(--muted); font-size: .8rem; }
.hero-rates .rate-carousel { display: block; min-height: 0; padding: 0; border: 0; background: transparent; }
.hero-rates .rate-carousel__copy { display: flex; align-items: center; justify-content: space-between; gap: 15px; margin-bottom: 10px; }
.hero-rates .rate-carousel__copy h3 { margin: 0; font-size: 1.5rem; }
.hero-rates .rate-carousel__copy .text-link { font-size: .75rem; white-space: nowrap; }
.hero-rates .indicative-rates__head, .hero-rates .indicative-rates__row { padding: 8px 12px; }
.hero-rates .indicative-rates__row { font-size: .72rem; }
.hero-rates .rates-meta { padding: 8px 12px; font-size: .56rem; }
.hero-rates .rates-disclaimer { padding: 0 12px 8px; font-size: .56rem; }
.hero-rates .rate-controls { margin-top: 10px; }
.hero-rates .rate-controls button { width: 30px; height: 30px; }

.credibility-section { background: var(--black); color: white; }
.credibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.editorial-image { min-height: 560px; background: linear-gradient(rgba(11,11,11,.05), rgba(11,11,11,.2)), url("assets/institutional-architecture.png") center/cover; }
.credibility-copy .lead { color: rgba(255,255,255,.68); }
.proof-list { margin: 34px 0; border-top: 1px solid rgba(255,255,255,.15); }
.proof-list > div { display: grid; grid-template-columns: 45px 1fr; gap: 14px; padding: 18px 0; border-bottom: 1px solid rgba(255,255,255,.15); }
.proof-list span { color: var(--gold-light); font-family: "Cormorant Garamond", serif; font-size: 1.2rem; }
.proof-list p { margin: 0; color: rgba(255,255,255,.62); font-size: .86rem; }
.proof-list strong { display: block; margin-bottom: 4px; color: white; }
.detail-section { background: var(--black); color: white; }
.detail-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px; }
.detail-grid article { border-top: 1px solid rgba(255,255,255,.22); padding-top: 24px; }
.detail-grid span { color: var(--gold-light); }
.detail-grid p { color: rgba(255,255,255,.62); }
.about-reach { background: var(--cream); }
.about-reach__intro { display: grid; grid-template-columns: .85fr 1.15fr; gap: 80px; align-items: start; }
.reach-metrics { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 58px; border-block: 1px solid #cfc6b6; }
.reach-metrics article { padding: 30px; border-right: 1px solid #cfc6b6; }
.reach-metrics article:last-child { border-right: 0; }
.reach-metrics strong { display: block; font-family: "Cormorant Garamond", serif; font-size: 3rem; line-height: 1; }
.reach-metrics span { display: block; margin-top: 8px; color: var(--muted); font-size: .8rem; }
.sector-list { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 30px; }
.sector-list span { padding: 9px 14px; border: 1px solid #cfc6b6; border-radius: 999px; color: #4f4a43; background: rgba(255,255,255,.55); font-size: .75rem; }
.faq-section { background: var(--cream); }
.faq-layout { display: grid; grid-template-columns: .65fr 1.35fr; gap: 80px; }
.faq-list { border-top: 1px solid #cfc6b6; }
.faq-list details { border-bottom: 1px solid #cfc6b6; padding: 20px 0; }
.faq-list summary { cursor: pointer; font-weight: 600; }
.faq-list details p { max-width: 680px; margin: 13px 0 0; color: var(--muted); font-size: .9rem; }
.legal-section { background: var(--cream); }
.legal-layout { display: grid; grid-template-columns: .7fr 1.3fr; gap: 70px; }
.legal-list article { padding: 22px 0; border-top: 1px solid #cfc6b6; }
.legal-list p { color: var(--muted); }
.floating-rate-request { display: none; }
.floating-rate-request b { font-size: 1rem; }
.team-principles { background: var(--black); color: white; }
.team-principles__grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 80px; }
.principle-list { border-top: 1px solid rgba(255,255,255,.18); }
.principle-list article { display: grid; grid-template-columns: 48px 1fr; gap: 18px; padding: 22px 0; border-bottom: 1px solid rgba(255,255,255,.18); }
.principle-list span { color: var(--gold-light); font-family: "Cormorant Garamond", serif; font-size: 1.25rem; }
.principle-list h3 { margin-bottom: 5px; }
.principle-list p { margin: 0; color: rgba(255,255,255,.62); }
.contact-status { display: flex; align-items: center; gap: 14px; margin: 0 0 26px; padding: 14px 18px; background: rgba(92,139,104,.08); border-left: 2px solid #5c8b68; }
.contact-status > span { flex: 0 0 auto; width: 8px; height: 8px; border-radius: 50%; background: #5c8b68; box-shadow: 0 0 0 5px rgba(92,139,104,.12); }
.contact-status p { margin: 0; color: var(--muted); font-size: .8rem; }
.contact-status strong { color: var(--charcoal); }
.contact-showcase { display: grid; grid-template-columns: 1.2fr .8fr; gap: 28px; align-items: stretch; }
.contact-primary { padding: clamp(34px, 5vw, 64px); background: var(--black); color: white; }
.contact-primary h2 { max-width: 560px; margin-bottom: 20px; }
.contact-primary__intro { max-width: 610px; color: rgba(255,255,255,.62); }
.contact-actions { display: grid; grid-template-columns: repeat(2, 1fr); margin-top: 36px; border-top: 1px solid rgba(255,255,255,.16); }
.contact-actions a { display: grid; gap: 7px; min-width: 0; padding: 24px 22px 24px 0; border-bottom: 1px solid rgba(255,255,255,.16); transition: color .2s ease; }
.contact-actions a + a { padding-left: 22px; border-left: 1px solid rgba(255,255,255,.16); }
.contact-actions small { color: var(--gold-light); text-transform: uppercase; letter-spacing: .12em; font-size: .65rem; }
.contact-actions strong { overflow-wrap: anywhere; font-family: "Cormorant Garamond", serif; font-size: clamp(1.2rem, 2vw, 1.75rem); font-weight: 600; }
.contact-actions span { color: rgba(255,255,255,.5); font-size: .72rem; }
.contact-actions a:hover { color: var(--gold-light); }
.contact-hours { display: flex; align-items: center; gap: 9px; margin: 24px 0 0; color: rgba(255,255,255,.5); font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; }
.contact-hours span { width: 7px; height: 7px; border-radius: 50%; background: #5c8b68; box-shadow: 0 0 0 4px rgba(92,139,104,.12); }
.contact-aside { display: grid; grid-template-rows: 1fr 1fr; border: 1px solid var(--line); }
.contact-aside > div { padding: 34px; }
.contact-aside > div + div { border-top: 1px solid var(--line); background: var(--cream); }
.contact-aside h3 { font-family: "Cormorant Garamond", serif; font-size: 1.75rem; line-height: 1.08; }
.contact-aside p:not(.eyebrow), .enquiry-guide li { color: var(--muted); font-size: .82rem; }
.enquiry-guide ul { display: grid; gap: 10px; margin: 18px 0 0; padding: 0; list-style: none; }
.enquiry-guide li { position: relative; padding-left: 18px; }
.enquiry-guide li::before { content: ""; position: absolute; left: 0; top: .65em; width: 7px; height: 1px; background: var(--gold); }
body[data-page="local-authorities"] .rates-section,
body[data-page="cash-deposits"] .rates-section,
body[data-page="client-money"] .rates-section { position: relative; }
body[data-page="local-authorities"] .rates-section::before,
body[data-page="cash-deposits"] .rates-section::before,
body[data-page="client-money"] .rates-section::before { content: ""; position: absolute; top: 0; left: 0; width: 32%; height: 1px; background: var(--gold); }
body[data-page="about"] .page-hero { position: relative; overflow: hidden; color: white; background: var(--black); }
body[data-page="about"] .page-hero::after { content: ""; position: absolute; inset: 0 0 0 56%; background: linear-gradient(90deg, var(--black), transparent 30%), url("assets/institutional-architecture.png") center/cover; opacity: .55; }
body[data-page="about"] .page-hero .container { position: relative; z-index: 1; }
body[data-page="about"] .page-hero .lead { color: rgba(255,255,255,.7); }

/* Distinct page heroes, united by one institutional treatment */
body[data-page="local-authorities"] .page-hero::after { background: linear-gradient(90deg, #111 0%, rgba(17,17,17,.38) 38%, rgba(17,17,17,.08)), url("assets/hero-local-authorities.png") center/cover; filter: none; opacity: .72; }
body[data-page="cash-deposits"] .page-hero::after { background: linear-gradient(90deg, #111 0%, rgba(17,17,17,.25) 42%, transparent), url("assets/hero-cash-deposits.png") center/cover; filter: none; opacity: .88; }
body[data-page="client-money"] .page-hero::after { background: linear-gradient(90deg, #111 0%, rgba(17,17,17,.3) 40%, transparent), url("assets/hero-client-money.png") center/cover; filter: none; opacity: .86; }
body[data-page="contact"] .page-hero { position: relative; overflow: hidden; }
body[data-page="contact"] .page-hero::after { content: ""; position: absolute; inset: 0; background: url("assets/hero-contact-hertford.png") center/cover; opacity: .72; }
body[data-page="contact"] .page-hero::before { content: ""; position: absolute; z-index: 1; inset: 0; background: linear-gradient(90deg, rgba(11,11,11,.98) 0%, rgba(11,11,11,.86) 42%, rgba(11,11,11,.08) 100%); }
body[data-page="contact"] .page-hero .container { position: relative; z-index: 2; }
body[data-page="team"] .page-hero::after { inset: 0 0 0 55%; background: repeating-linear-gradient(90deg, transparent 0 64px, rgba(209,173,101,.13) 64px 65px), linear-gradient(135deg, #24221e, #0b0b0b); opacity: 1; }
body[data-page="team"] .page-hero::before { content: "AA  ·  DC  ·  MS"; position: absolute; z-index: 1; right: 7%; top: 50%; transform: translateY(-50%); color: rgba(209,173,101,.6); font-family: "Cormorant Garamond", serif; font-size: clamp(2rem, 4vw, 4.5rem); letter-spacing: .08em; white-space: nowrap; }

.contact-editorial { display: grid; grid-template-columns: .85fr 1.15fr; gap: 80px; align-items: start; }
.contact-editorial__intro > p:not(.eyebrow) { max-width: 520px; color: var(--muted); }
.contact-expectation { display: grid; grid-template-columns: 38px 1fr; gap: 14px; margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--line); }
.contact-expectation > span { color: var(--gold); font-family: "Cormorant Garamond", serif; font-size: 1.15rem; }
.contact-expectation p { margin: 0; color: var(--muted); font-size: .82rem; }
.contact-expectation strong { display: block; color: var(--charcoal); }
.contact-directory { border-top: 1px solid #c8bda9; }
.contact-directory > a, .contact-directory > div { display: flex; align-items: center; justify-content: space-between; gap: 22px; padding: 24px 4px; border-bottom: 1px solid #c8bda9; }
.contact-directory > a { transition: padding .2s ease, color .2s ease; }
.contact-directory > a:hover { padding-left: 10px; color: var(--gold); }
.contact-directory > a span, .contact-directory > div span { display: grid; gap: 4px; min-width: 0; }
.contact-directory small { color: var(--gold); text-transform: uppercase; letter-spacing: .12em; font-size: .63rem; }
.contact-directory strong { overflow-wrap: anywhere; font-family: "Cormorant Garamond", serif; font-size: clamp(1.35rem, 2.5vw, 2rem); font-weight: 600; }
.contact-directory b { color: var(--gold); font-size: .8rem; }
.contact-directory__hours { margin: 15px 0 0; color: var(--muted); font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; }
.enquiry-prep { grid-column: 1 / -1; display: grid; grid-template-columns: .7fr 1.3fr; gap: 60px; margin-top: 18px; padding: 34px; background: var(--black); color: white; }
.enquiry-prep h3 { font-family: "Cormorant Garamond", serif; font-size: 1.8rem; }
.enquiry-prep ul { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 28px; margin: 0; padding: 0; list-style: none; }
.enquiry-prep li { display: grid; grid-template-columns: 30px 1fr; gap: 10px; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.16); color: rgba(255,255,255,.7); font-size: .78rem; }
.enquiry-prep li span { color: var(--gold-light); }
.legal-heading { display: flex; align-items: end; justify-content: space-between; gap: 30px; margin-bottom: 28px; }
.legal-heading h2 { max-width: 650px; margin-bottom: 0; }
.legal-list article { display: grid; grid-template-columns: 42px 1fr; gap: 18px; }
.legal-list article > span { color: var(--gold); font-family: "Cormorant Garamond", serif; font-size: 1.15rem; }
.contact-minimal { max-width: 900px; margin-inline: auto; }
.contact-minimal__heading { max-width: 620px; margin-bottom: 50px; }
.contact-minimal__heading > p:last-child { color: var(--muted); }
.contact-minimal__actions { display: grid; grid-template-columns: repeat(2, 1fr); border-top: 1px solid #c8bda9; border-bottom: 1px solid #c8bda9; }
.contact-minimal__actions a { display: grid; gap: 8px; min-width: 0; padding: 28px 28px 28px 0; }
.contact-minimal__actions a + a { padding-left: 28px; border-left: 1px solid #c8bda9; }
.contact-minimal__actions small { color: var(--gold); text-transform: uppercase; letter-spacing: .12em; font-size: .64rem; }
.contact-minimal__actions strong { overflow-wrap: anywhere; font-family: "Cormorant Garamond", serif; font-size: clamp(1.35rem, 2.5vw, 2rem); font-weight: 600; }
.contact-minimal__actions span { color: var(--muted); font-size: .72rem; }
.contact-minimal__actions a:hover strong { color: var(--gold); }
.contact-minimal__location { margin: 18px 0 0; color: var(--muted); font-size: .72rem; }
.contact-minimal__location span { padding: 0 7px; color: var(--gold); }
.legal-section { padding: 34px 0; border-top: 1px solid var(--line); }
.legal-minimal { display: flex; align-items: center; justify-content: space-between; gap: 50px; }
.legal-minimal > p { max-width: 780px; margin: 0; color: var(--muted); font-size: .68rem; line-height: 1.6; }
.legal-minimal > div { display: flex; flex: 0 0 auto; gap: 20px; }
.legal-minimal a { color: var(--charcoal); font-size: .7rem; white-space: nowrap; }
.legal-minimal a:hover { color: var(--gold); }

.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

@media (max-width: 980px) {
  .main-nav, .header-cta, .client-login-link { display: none; }
  .menu-toggle { display: block; }
  .main-nav.open {
    display: flex;
    position: absolute;
    left: 20px;
    right: 20px;
    top: 78px;
    padding: 22px;
    background: var(--black);
    flex-direction: column;
    align-items: flex-start;
    border: 1px solid rgba(255,255,255,.12);
  }
  .hero-grid, .split-layout, .governance-grid, .rates-layout, .rate-carousel { grid-template-columns: 1fr; }
  .hero-art { min-height: 280px; }
  .hero-rates { width: 100%; }
  .card-grid.four, .benefit-grid, .why-grid, .process-grid { grid-template-columns: repeat(2,1fr); }
  .benefit:nth-child(2) { border-right: 0; }
  .benefit:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .footer-grid { grid-template-columns: repeat(2,1fr); }
  .footer-main { grid-template-columns: repeat(2, 1fr); }
  .credibility-grid, .faq-layout, .legal-layout, .team-principles__grid, .about-reach__intro, .contact-showcase, .contact-editorial { grid-template-columns: 1fr; }
  .editorial-image { min-height: 420px; }
  .detail-grid { grid-template-columns: 1fr; }
  .placement-process { grid-template-columns: repeat(2, 1fr); }
  .placement-process::before { display: none; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  .section { padding: 72px 0; }
  .hero { padding-top: 88px; }
  h1 { font-size: clamp(2.5rem, 12vw, 2.8rem); }
  h2 { font-size: clamp(2rem, 9vw, 2.5rem); }
  .cta-inner h2 { font-size: 2rem; }
  .hero-grid { gap: 20px; }
  .hero-art { display: none; }
  .hero-art.hero-rates { display: block; margin-top: 25px; }
  .stats-grid, .card-grid.four, .benefit-grid, .why-grid, .process-grid, .insight-grid, .footer-grid { grid-template-columns: 1fr; }
  .stat { border-right: 0; border-bottom: 1px solid var(--line); }
  .stat:last-child { border-bottom: 0; }
  .benefit { border-right: 0; border-bottom: 1px solid var(--line); }
  .benefit:last-child { border-bottom: 0; }
  .why-grid article { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.12); padding-bottom: 20px; }
  .why-grid article:last-child { border-bottom: 0; }
  .rates-header { display: none; }
  .rate-row { grid-template-columns: 1fr auto; }
  .rate-row span:last-child { display: none; }
  .inline-heading, .cta-inner, .footer-bottom { align-items: flex-start; flex-direction: column; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-actions { grid-template-columns: 1fr; }
  .contact-actions a + a { padding-left: 0; border-left: 0; }
  .enquiry-prep { grid-template-columns: 1fr; padding: 26px; }
  .enquiry-prep ul { grid-template-columns: 1fr; }
  .legal-heading { align-items: flex-start; flex-direction: column; }
  .contact-minimal__actions { grid-template-columns: 1fr; }
  .contact-minimal__actions a + a { padding-left: 0; border-left: 0; border-top: 1px solid #c8bda9; }
  .legal-minimal { align-items: flex-start; flex-direction: column; gap: 20px; }
  .legal-minimal > div { flex-wrap: wrap; }
  .placement-process, .team-grid { grid-template-columns: 1fr; }
  .placement-process article { min-height: 0; }
  .indicative-rates__head { display: none; }
  .indicative-rates__row { grid-template-columns: 1fr auto; }
  .indicative-rates__row span { grid-column: 1; }
  .indicative-rates__row b { grid-column: 2; grid-row: 1 / 3; }
  .rate-carousel { padding: 22px; }
  .simple-footer { padding-top: 48px; }
  .footer-main { grid-template-columns: 1fr; gap: 32px; }
  .footer-regulatory { margin-top: 34px; }
  .footer-legal { flex-direction: column; }
  .rates-meta { flex-direction: column; gap: 2px; }
  .floating-rate-request { right: 14px; bottom: 14px; }
  .reach-metrics { grid-template-columns: 1fr; }
  .reach-metrics article { border-right: 0; border-bottom: 1px solid #cfc6b6; }
  .reach-metrics article:last-child { border-bottom: 0; }
  body[data-page="about"] .page-hero::after { inset: 0; opacity: .25; }
  body[data-page="local-authorities"] .page-hero::after,
  body[data-page="cash-deposits"] .page-hero::after,
  body[data-page="client-money"] .page-hero::after,
  body[data-page="team"] .page-hero::after { inset: 0; opacity: .2; }
  body[data-page="team"] .page-hero::before { right: 20px; top: auto; bottom: 20px; transform: none; font-size: 1.6rem; opacity: .5; }
  body[data-page="team"] .page-hero::after { opacity: .8; }
  body[data-page="contact"] .page-hero::after { opacity: .5; }
  .governance-links { grid-template-columns: 1fr; }
  .governance-links a { border-right: 0; }
  .governance-links a:not(:last-child) { border-bottom: 1px solid var(--line); }
}
/* Next.js Team hero: keep this after the prototype's original team treatment. */
body[data-page="team"] .page-hero::after {
  inset: 0;
  background:
    linear-gradient(90deg, rgba(17,17,17,.72) 0%, rgba(17,17,17,.28) 48%, rgba(17,17,17,.04) 100%),
    url("assets/hero-team.png?v=2") center/cover;
  opacity: .92;
  -webkit-mask-image: none;
  mask-image: none;
}
body[data-page="team"] .page-hero::before { display: none; }

@media (max-width: 420px) {
  .container { width: min(calc(100% - 24px), var(--max)); }
  .hero-rates { padding: 14px; }
  .hero-rates__heading,
  .hero-rates .rate-carousel__copy { align-items: flex-start; flex-wrap: wrap; gap: 6px 12px; }
  .hero-rates__heading > span { width: 100%; }
  .hero-rates .rate-tabs { width: 100%; padding-bottom: 3px; }
  .hero-rates .indicative-rates__row { gap: 8px; padding: 9px 10px; }
  .hero-rates .rates-meta { padding-inline: 10px; }
  .hero-rates .rates-disclaimer { padding-inline: 10px; }
}