/* A&R Financial Services — design system (colours taken from the brand flyer) */
:root{
  --navy:#0b2a5b; --navy-d:#071c40; --navy-l:#16397a;
  --gold:#c9a24a; --gold-d:#a8832f; --gold-l:#f3e3b3;
  --yellow:#ffe600; --red:#c8102e;
  --health:#1e8a4c; --health-bg:#e8f5ec;
  --vehicle:#1f5fbf; --vehicle-bg:#e6effb;
  --life:#a3123a; --life-bg:#fbe9ee;
  --term:#ee7a14; --term-bg:#fff0e0;
  --savings:#6b2fb3; --savings-bg:#f0e8fa;
  --pension:#1b4f9c; --pension-bg:#e5edf8;
  --wa:#25d366;
  --ink:#16213a; --muted:#5a6580; --line:#dfe5f0; --bg:#f6f8fc; --card:#fff;
  --radius:16px; --shadow:0 8px 28px rgba(11,42,91,.10);
  --accent:var(--navy); --accent-bg:#eef2fa;
}
.t-acct{--accent:#0b3a7a;--accent-bg:#e6edf8}
.t-tax{--accent:#b8862b;--accent-bg:#fbf1dc}
.t-fin{--accent:#1e7a3c;--accent-bg:#e5f3ea}
.t-health{--accent:var(--health);--accent-bg:var(--health-bg)}
.t-vehicle{--accent:var(--vehicle);--accent-bg:var(--vehicle-bg)}
.t-life{--accent:var(--life);--accent-bg:var(--life-bg)}
.t-term{--accent:var(--term);--accent-bg:var(--term-bg)}
.t-savings{--accent:var(--savings);--accent-bg:var(--savings-bg)}
.t-pension{--accent:var(--pension);--accent-bg:var(--pension-bg)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16.5px}
img{max-width:100%;display:block}
a{color:var(--navy-l)}
h1,h2,h3,h4{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.5vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2.15rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.serif{font-family:Georgia,"Times New Roman",serif}
.skip{position:absolute;left:-999px;top:0;background:var(--yellow);color:#000;padding:10px 16px;z-index:999}
.skip:focus{left:10px}

/* top bar */
.topbar{background:var(--navy-d);color:#cfd8ee;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:var(--yellow);text-decoration:none;font-weight:600}

/* header */
.site-header{background:#fff;position:sticky;top:0;z-index:100;box-shadow:0 2px 14px rgba(11,42,91,.10)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:10px;padding-bottom:10px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo svg{height:46px;width:auto}
.nav{display:flex;align-items:center;gap:2px}
.nav>li{list-style:none;position:relative}
.nav,.nav ul{margin:0;padding:0}
.nav>li>a{display:block;padding:10px 12px;color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem;border-radius:10px}
.nav>li>a:hover,.nav>li>a.active{background:var(--accent-bg);color:var(--navy)}
.drop{position:absolute;left:0;top:100%;background:#fff;min-width:260px;border-radius:14px;box-shadow:var(--shadow);padding:8px;display:none;border:1px solid var(--line)}
.nav>li:hover .drop,.nav>li:focus-within .drop{display:block}
.drop li{list-style:none}
.drop a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:10px;color:var(--ink);text-decoration:none;font-size:.93rem}
.drop a:hover{background:var(--bg)}
.dot{width:10px;height:10px;border-radius:50%;flex:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 22px;border-radius:12px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:.2s}
.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--navy-l)}
.btn-gold{background:var(--yellow);color:var(--navy-d)}.btn-gold:hover{filter:brightness(.95)}
.btn-wa{background:var(--wa);color:#05361a}.btn-wa:hover{filter:brightness(.95)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-sm{padding:8px 14px;font-size:.9rem;border-radius:10px}
.burger{display:none;background:none;border:2px solid var(--navy);border-radius:10px;padding:8px 10px;cursor:pointer}
.burger span{display:block;width:22px;height:2px;background:var(--navy);margin:4px 0}
.search-btn{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:9px 12px;cursor:pointer;font-size:.9rem;color:var(--navy);font-weight:600}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy-d),var(--navy) 55%,var(--navy-l));color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,74,.35),transparent 70%)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding-top:56px;padding-bottom:56px;position:relative;z-index:1}
.hero h1{color:#fff}
.hero h1 em{color:var(--yellow);font-style:normal}
.hero p.lead{font-size:1.2rem;color:#d8e1f5;max-width:560px}
.hero .tag{font-family:Georgia,serif;font-style:italic;color:var(--gold-l);font-size:1.25rem;margin-bottom:12px}
.hero-img{border-radius:24px;overflow:hidden;box-shadow:0 20px 50px rgba(0,0,0,.35);border:4px solid rgba(255,255,255,.25)}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:28px}
.pillar{background:rgba(255,255,255,.08);border-radius:12px;padding:12px;font-size:.88rem;text-align:center;font-weight:600}
.page-hero{background:linear-gradient(135deg,var(--navy-d),var(--navy));color:#fff;padding:44px 0 38px;border-bottom:6px solid var(--accent)}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.7rem);margin-bottom:.3em}
.page-hero p{color:#d3dcf1;max-width:760px;font-size:1.1rem;margin:0}
.page-hero .eyebrow{display:inline-block;background:var(--accent);color:#fff;padding:4px 12px;border-radius:99px;font-size:.8rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;margin-bottom:12px}
.crumbs{font-size:.85rem;margin-bottom:12px;color:#b9c6e4}
.crumbs a{color:#e6ecfa;text-decoration:none}.crumbs a:hover{text-decoration:underline}

/* sections */
section{padding:56px 0}
.alt{background:#fff}
.sec-head{text-align:center;max-width:720px;margin:0 auto 34px}
.sec-head p{color:var(--muted)}
.kicker{color:var(--gold-d);font-weight:800;letter-spacing:.12em;font-size:.8rem;text-transform:uppercase}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;border:1px solid var(--line);transition:.2s}
a.card{text-decoration:none;color:inherit;display:block}
a.card:hover{transform:translateY(-4px);border-color:var(--accent)}
.card h3{margin-bottom:.4em}
.card .more{color:var(--accent);font-weight:700;font-size:.92rem}
.pcard{border-top:6px solid var(--accent);background:var(--accent-bg)}
.pcard .ico{width:54px;height:54px;border-radius:50%;background:var(--accent);color:#fff;display:grid;place-items:center;font-size:1.6rem;margin-bottom:12px}
.pcard ul{padding:0;margin:12px 0}
.pcard li{list-style:none;padding-left:26px;position:relative;margin-bottom:5px;font-size:.95rem}
.pcard li::before,.checks li::before{content:"✔";position:absolute;left:0;color:var(--accent);font-weight:800}
.checks{padding:0;margin:0 0 1em}
.checks li{list-style:none;padding-left:28px;position:relative;margin-bottom:8px}
.stat{text-align:center}
.stat b{display:block;font-size:2.2rem;color:var(--navy);font-weight:800}
.callout{background:var(--accent-bg);border-left:6px solid var(--accent);padding:18px 22px;border-radius:12px;margin:22px 0}
.callout.warn{background:#fff7d6;border-color:var(--gold-d)}
.note{font-size:.85rem;color:var(--muted)}
.banner{background:linear-gradient(120deg,var(--navy),var(--navy-l));color:#fff;border-radius:24px;padding:36px;display:flex;justify-content:space-between;gap:24px;align-items:center;flex-wrap:wrap}
.banner h2,.banner h3{color:#fff;margin:0 0 .3em}
.banner p{margin:0;color:#d3dcf1}
.nri-strip{background:#eaf6f0;border:1px solid #bfe3d0;border-radius:var(--radius);padding:22px;display:flex;gap:18px;align-items:center;flex-wrap:wrap}

/* content layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:32px;align-items:start}
.prose h2{margin-top:1.6em;font-size:1.6rem}
.prose h3{margin-top:1.3em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.45em}
.prose table,.tbl{width:100%;border-collapse:collapse;margin:18px 0;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--shadow);font-size:.95rem}
.prose th,.prose td,.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.prose th,.tbl th{background:var(--navy);color:#fff}
.tablewrap{overflow-x:auto}
.side{position:sticky;top:88px;display:grid;gap:18px}
.side .card{padding:20px}
.side h4{margin-bottom:.5em}
.sidelinks{padding:0;margin:0}
.sidelinks li{list-style:none;border-bottom:1px solid var(--line)}
.sidelinks a{display:block;padding:9px 4px;text-decoration:none;color:var(--ink);font-size:.93rem}
.sidelinks a:hover,.sidelinks a.active{color:var(--accent);font-weight:700}
.contactcard{background:var(--navy);color:#fff;text-align:center}
.contactcard h4{color:#fff}
.contactcard img{width:84px;height:84px;border-radius:50%;object-fit:cover;margin:0 auto 10px;border:3px solid var(--gold)}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:22px}
.toc b{color:var(--navy)}
.toc ol{margin:.4em 0 0;padding-left:1.2em;font-size:.95rem}
.progress{position:fixed;top:0;left:0;height:4px;background:var(--gold);width:0;z-index:300}

/* faq */
.faq{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:10px;overflow:hidden}
.faq button{width:100%;text-align:left;background:none;border:0;padding:16px 18px;font-weight:700;font-size:1rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:12px;font-family:inherit}
.faq button::after{content:"+";font-size:1.4rem;line-height:1;color:var(--accent)}
.faq.open button::after{content:"–"}
.faq .ans{display:none;padding:0 18px 16px;color:var(--ink)}
.faq.open .ans{display:block}

/* forms & calculators */
.form{display:grid;gap:14px}
.form label{font-weight:600;font-size:.92rem;color:var(--navy);display:block;margin-bottom:4px}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1.5px solid #c6d0e4;border-radius:10px;font-size:1rem;font-family:inherit;background:#fff;color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid rgba(201,162,74,.45);border-color:var(--gold-d)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.calc .panel{background:#fff;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);border:1px solid var(--line)}
.result{background:linear-gradient(135deg,var(--navy),var(--navy-l));color:#fff;border-radius:var(--radius);padding:26px}
.result h3{color:#fff}
.result .big{font-size:2.4rem;font-weight:800;color:var(--yellow);line-height:1.1;margin:6px 0 10px}
.result .kv{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-bottom:1px dashed rgba(255,255,255,.25);font-size:.95rem}
.result .kv:last-child{border:0}
.result .msg{margin-top:12px;font-size:.92rem;color:#d3dcf1}
.bar{height:14px;background:rgba(255,255,255,.2);border-radius:99px;overflow:hidden;margin:10px 0}
.bar i{display:block;height:100%;background:var(--yellow);width:0;transition:width .5s}
.chart{width:100%;height:220px;background:#fff;border-radius:12px;margin-top:14px}
.range-out{float:right;color:var(--accent);font-weight:800}
input[type=range]{padding:0!important;accent-color:var(--navy)}
.quiz-step{display:none}.quiz-step.on{display:block}
.opt{display:block;width:100%;text-align:left;background:#fff;border:2px solid var(--line);border-radius:12px;padding:14px 16px;margin-bottom:10px;cursor:pointer;font-size:1rem;font-family:inherit;color:var(--ink)}
.opt:hover,.opt.sel{border-color:var(--navy);background:var(--accent-bg)}
.chip{display:inline-block;padding:6px 14px;border-radius:99px;background:#fff;border:1px solid var(--line);margin:0 6px 8px 0;cursor:pointer;font-size:.9rem;font-weight:600;color:var(--navy)}
.chip.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.tag-pill{display:inline-block;background:var(--accent-bg);color:var(--accent);font-weight:700;font-size:.78rem;padding:3px 10px;border-radius:99px}
.az{display:flex;flex-wrap:wrap;gap:6px;margin:14px 0}
.az a{width:34px;height:34px;display:grid;place-items:center;border-radius:8px;background:#fff;border:1px solid var(--line);text-decoration:none;font-weight:700;color:var(--navy)}
.az a:hover{background:var(--navy);color:#fff}
.searchbox{width:100%;padding:14px 18px;border-radius:14px;border:2px solid var(--line);font-size:1.05rem}

/* modal search */
.modal{position:fixed;inset:0;background:rgba(7,28,64,.7);display:none;z-index:400;padding:70px 16px}
.modal.on{display:block}
.modal .box{background:#fff;max-width:640px;margin:0 auto;border-radius:18px;padding:18px;max-height:80vh;overflow:auto}
.res a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--ink)}
.res a:hover{background:var(--bg)}
.res small{color:var(--muted);display:block}

/* footer */
footer{background:var(--navy-d);color:#c4cfe8;padding:50px 0 0;margin-top:0}
footer h4{color:#fff;font-size:1rem;margin-bottom:.8em}
footer a{color:#c4cfe8;text-decoration:none}footer a:hover{color:var(--yellow)}
footer ul{padding:0;margin:0}footer li{list-style:none;margin-bottom:7px;font-size:.93rem}
.fgrid{display:grid;grid-template-columns:1.4fr repeat(5,1fr);gap:24px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding:18px 0 90px;font-size:.8rem;color:#98a6c8}
.fab{position:fixed;right:18px;bottom:18px;z-index:200;display:grid;gap:10px}
.fab a,.fab button{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;text-decoration:none;box-shadow:0 8px 22px rgba(0,0,0,.28);border:0;cursor:pointer;font-size:1.5rem}
.fab .w{background:var(--wa);color:#fff}.fab .c{background:var(--yellow);color:var(--navy-d)}
.fab .top{background:var(--navy);color:#fff;display:none;font-size:1.2rem}
.cookie{position:fixed;left:16px;bottom:16px;max-width:420px;background:#fff;border-radius:14px;padding:16px;box-shadow:var(--shadow);border:1px solid var(--line);z-index:350;display:none;font-size:.88rem}
.cookie.on{display:block}
.toast{position:fixed;left:50%;bottom:30px;transform:translateX(-50%);background:var(--navy);color:#fff;padding:12px 20px;border-radius:12px;z-index:500;display:none}
.toast.on{display:block}

@media(max-width:980px){
  .hero .wrap,.layout,.calc{grid-template-columns:1fr}
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .fgrid{grid-template-columns:1fr 1fr}
  .side{position:static}
  .burger{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 20px;box-shadow:var(--shadow);max-height:75vh;overflow:auto}
  .nav.open{display:flex}
  .drop{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 12px}
  .hdr-cta{display:none}
}
@media(max-width:620px){
  .g2,.g3,.g4,.row2,.pillars,.fgrid{grid-template-columns:1fr}
  .pillars{grid-template-columns:1fr 1fr}
  body{font-size:16px}
  section{padding:40px 0}
}
@media print{.site-header,.topbar,footer,.fab,.side,.cookie,.btn{display:none!important}body{background:#fff}.layout{display:block}}