function submit_escrow_ajax() {
    check_ajax_referer('escrow_ajax_nonce', 'escrow_nonce');

    $debug = [];

    // Step 1: Insert post
    $deal_id = wp_insert_post([
        'post_title' => sanitize_text_field($_POST['deal_title']),
        'post_type' => 'escrow_deal',
        'post_status' => 'publish',
    ]);

    if (!$deal_id) {
        wp_send_json_error(['message' => '❌ Failed to create deal.']);
    }
    $debug[] = "✅ Deal created with ID: $deal_id";

    // Step 2: Meta fields
    $fields = [
        'deal_type', 'currency', 'fee_payer', 'due_date', 'inspection_period',
        'item_name', 'price', 'description', 'shipping', 'buyer_phone'
    ];
    foreach ($fields as $field) {
        $value = sanitize_text_field($_POST[$field] ?? '');
        update_post_meta($deal_id, $field, $value);
        $debug[] = "📝 Meta saved: $field = $value";
    }

    // Step 3: Emails and amount logic
    $buyer_email = sanitize_email($_POST['buyer_email']);
    $seller_email = sanitize_email($_POST['seller_email']);
    $price = floatval($_POST['price']);
    $fee = round($price * 0.05, 2);
    $total = $price + $fee;
    $debug[] = "💰 Calculated: price=$price | fee=$fee | total=$total";

    update_post_meta($deal_id, 'buyer_email', $buyer_email);
    update_post_meta($deal_id, 'seller_email', $seller_email);
    update_post_meta($deal_id, 'escrow_fee', $fee);
    update_post_meta($deal_id, 'buyer_pays', $total);
    update_post_meta($deal_id, 'seller_receives', $price);
    update_post_meta($deal_id, 'escrow_status', 'pending');

    // Step 4: Build Email
    $link = esc_url(site_url("/complete-escrow/?id=$deal_id"));
    $subject = '🔐 New Escrow Deal Submitted';
    $headers = ['Content-Type: text/html; charset=UTF-8'];
    $body = "
    <div style='background:#000;color:#0ff;padding:30px;border:2px solid #0ff;border-radius:10px;font-family:monospace;'>
        <h2 style='text-align:center;color:#00ffff;'>🚀 Escrow Deal Details</h2>
        <p><strong>Transaction:</strong> {$_POST['deal_title']}</p>
        <p><strong>Item:</strong> {$_POST['item_name']}</p>
        <p><strong>Currency:</strong> {$_POST['currency']}</p>
        <p><strong>Amount:</strong> \${$price} + Fee \${$fee} = <strong>\${$total}</strong></p>
        <p><strong>Buyer:</strong> $buyer_email</p>
        <p><strong>Seller:</strong> $seller_email</p>
        <p style='margin-top:10px;'><a href='$link' style='color:#0ff;font-weight:bold;'>🔗 Complete or View Escrow Deal</a></p>
        <p style='margin-top:20px;font-size:0.9em;'>Powered by <strong>Sh‑Sartore Escrow</strong> — <a href='https://sh-sartore.com' style='color:#0ff;'>Visit Website</a></p>
    </div>";

    $recipients = [$buyer_email, $seller_email, get_option('admin_email')];

    $sent = wp_mail($recipients, $subject, $body, $headers);
    $debug[] = $sent ? '📧 Email sent successfully' : '❌ Email sending failed';

    // Optional: Email debug log to admin
    wp_mail(get_option('admin_email'), '🛠️ Escrow Debug Log', implode("\n", $debug), ['Content-Type: text/plain']);

    // Final redirect
    wp_send_json_success(['redirect' => $link]);
}
<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://sh-sartore.com/wp-sitemap-index.xsl" ?>
<sitemapindex xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><sitemap><loc>https://sh-sartore.com/wp-sitemap-posts-post-1.xml</loc></sitemap><sitemap><loc>https://sh-sartore.com/wp-sitemap-posts-page-1.xml</loc></sitemap><sitemap><loc>https://sh-sartore.com/wp-sitemap-taxonomies-category-1.xml</loc></sitemap><sitemap><loc>https://sh-sartore.com/wp-sitemap-users-1.xml</loc></sitemap></sitemapindex>