/* AR Finance Solutions - styles. Colours and sizes live in the :root tokens. */
:root{
  --ink:#12263a; --ink-2:#3a4e62; --teal:#0f766e; --teal-dark:#0a5a54; --teal-soft:#2ba89c;
  --paper:#f7f9f8; --white:#fff; --line:#d3dedb; --tint:#e8f1ef; --brass:#8a5a12; --flag:#fbf1dc;
  --wa:#0f7a43;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --radius:6px; --max:1120px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--paper);padding-bottom:84px}
img,svg{max-width:100%}
h1,h2,h3{font-family:var(--serif);line-height:1.2;color:var(--ink);margin:0 0 .6em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2rem,6vw,3.25rem)}
h2{font-size:clamp(1.55rem,4vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
a{color:var(--teal-dark);text-underline-offset:3px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:3px}
.wrap{width:100%;max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.center{text-align:center}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:10px 14px;z-index:100;border-radius:var(--radius)}
.skip:focus{left:8px}
.plain{list-style:none;margin:0;padding:0}
.fine{font-size:.9rem;color:var(--ink-2)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* Header */
.site-header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}
.brand{white-space:nowrap;display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--serif);font-weight:700;font-size:1.1rem}
.mark{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:8px;background:var(--ink);color:#fff;font-size:1rem;border-bottom:3px solid var(--teal-soft)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:var(--radius);width:44px;height:44px;color:var(--ink);cursor:pointer;align-items:center;justify-content:center}
.nav-toggle .icon{width:24px;height:24px}
.nav-toggle .when-open{display:none}
.nav-toggle[aria-expanded="true"] .when-open{display:inline-flex}
.nav-toggle[aria-expanded="true"] .when-closed{display:none}
.site-nav{display:flex;align-items:center;gap:14px}
.site-nav ul{display:flex;gap:2px;margin:0;padding:0;list-style:none}
.site-nav li a{white-space:nowrap;display:block;padding:8px 10px;text-decoration:none;color:var(--ink);font-size:.95rem;border-radius:var(--radius)}
.site-nav li a:hover{background:var(--tint)}
.site-nav li a[aria-current="page"]{color:var(--teal-dark);font-weight:600;box-shadow:inset 0 -2px 0 var(--teal)}
@media (max-width:1180px){
  .js .nav-toggle{display:inline-flex}
  .js .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--white);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 20px;gap:12px;box-shadow:0 10px 24px rgba(18,38,58,.08)}
  .js .site-nav.open{display:flex}
  .js .site-nav ul{flex-direction:column}
  .js .site-nav li a{padding:12px 8px;font-size:1.05rem}
  .site-nav{flex-wrap:wrap;justify-content:flex-end}
  html:not(.js) .bar{flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 22px;min-height:46px;border-radius:var(--radius);font-weight:600;text-decoration:none;border:2px solid transparent;font-size:1rem;font-family:inherit;cursor:pointer;transition:background-color .15s,color .15s,border-color .15s}
.btn-small{white-space:nowrap;padding:8px 16px;min-height:42px;font-size:.95rem}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal-dark);color:#fff}
.btn-outline{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-outline:hover{background:var(--ink);color:#fff}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{background:var(--tint);color:var(--ink)}
.btn-outline-light{border-color:#fff;color:#fff}
.btn-outline-light:hover{background:#fff;color:var(--ink)}
.btn[disabled]{opacity:.7;cursor:progress}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.center-row{justify-content:center;text-align:center;margin-top:28px}
.text-link{font-weight:600}

/* Hero */
.hero{background:
  repeating-linear-gradient(to bottom,transparent 0,transparent 35px,rgba(15,118,110,.09) 35px,rgba(15,118,110,.09) 36px),
  var(--paper);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;gap:36px;padding-top:44px;padding-bottom:52px;align-items:center}
.hero-name{font-family:var(--serif);font-size:1.05rem;color:var(--teal-dark);font-weight:700;margin-bottom:12px}
.lead{font-size:1.2rem;color:var(--ink-2);max-width:60ch}
.hero-art{margin:0}
.hero-art figcaption{font-size:.85rem;color:var(--ink-2);margin-top:10px;text-align:center}
.ledger{width:100%;height:auto;filter:drop-shadow(0 12px 22px rgba(18,38,58,.12))}
.l-sheet{fill:#fff;stroke:var(--line)}
.l-head,.l-head-fill{fill:var(--ink)}
.l-title{fill:#fff;font:700 17px var(--serif)}
.l-small{font:13px var(--sans);fill:var(--ink-2)}
.l-light{fill:#cfe0dd}
.l-cols text{font:600 12px var(--sans);fill:var(--ink-2)}
.l-rule{stroke:var(--line);stroke-width:1}
.l-double{stroke:var(--ink-2)}
.l-bar{fill:#d9e4e1}
.l-gap{fill:none;stroke:var(--brass);stroke-width:1.5;stroke-dasharray:4 3}
.l-flag{fill:var(--flag)}
.l-flagtext{fill:var(--brass);font-weight:700}
.l-tick{fill:none;stroke:var(--teal);stroke-width:3;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:30;stroke-dashoffset:30;animation:draw .5s ease forwards}
.t1{animation-delay:.35s}.t2{animation-delay:.7s}.t3{animation-delay:1.05s}.t4{animation-delay:1.4s}
@keyframes draw{to{stroke-dashoffset:0}}
@media (prefers-reduced-motion:reduce){.l-tick{animation:none;stroke-dashoffset:0}html{scroll-behavior:auto}.btn{transition:none}}
@media (min-width:900px){.hero-grid{grid-template-columns:1.1fr .9fr;padding-top:72px;padding-bottom:80px}}

/* Sections */
.section{padding:56px 0}
.section.tint,.tint{background:var(--tint)}
.section-lead{color:var(--ink-2);max-width:62ch;margin-bottom:28px}
.lead-sm{font-size:1.15rem;font-weight:500}
.split{display:grid;gap:12px}
@media (min-width:860px){.split{grid-template-columns:.8fr 1.4fr;gap:48px}.split h2{position:sticky;top:96px;align-self:start}}
.what-list li{padding:14px 0;border-top:1px solid var(--line)}
.what-list li:last-child{border-bottom:1px solid var(--line)}
.page-hero{background:var(--white);border-bottom:1px solid var(--line);padding:44px 0 36px}
.page-hero h1{margin-bottom:.4em}

/* Cards */
.grid{display:grid;gap:20px}
@media (min-width:700px){.grid-2,.grid-3{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.grid-3{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--white);border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;align-items:flex-start}
.card p{color:var(--ink-2);flex:1}
.card-icon{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--tint);color:var(--teal-dark);margin-bottom:14px;flex:none}
.tint .card-icon{background:#fff}
.icon{width:22px;height:22px;flex:none}
.who-list{display:grid;gap:12px;margin-bottom:20px}
.who-list li{display:flex;align-items:center;gap:12px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;font-weight:500}
.who-list .icon{color:var(--teal-dark)}
@media (min-width:700px){.who-list{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.who-list{grid-template-columns:repeat(3,1fr)}}
.principles{display:grid;gap:18px}
.principle{display:flex;gap:14px;align-items:flex-start;background:var(--white);border-radius:var(--radius);padding:18px;border:1px solid var(--line)}
.principle .icon{color:var(--teal-dark);margin-top:3px}
.principle h3{margin-bottom:.2em}
.principle p{margin:0;color:var(--ink-2)}
@media (min-width:800px){.principles{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1050px){.principles{grid-template-columns:repeat(3,1fr)}}

/* Services page */
.service-row{display:grid;gap:14px;padding:32px 0;border-top:1px solid var(--line);scroll-margin-top:90px}
.service-row:first-child{border-top:0;padding-top:0}
.service-head{display:flex;align-items:center;gap:14px}
.service-head h2{margin:0;font-size:1.5rem}
.service-head .card-icon{margin:0}
@media (min-width:860px){.service-row{grid-template-columns:.8fr 1.4fr;gap:48px}}
.ticks{list-style:none;margin:0 0 1em;padding:0;display:grid;gap:8px}
.ticks li{display:flex;gap:10px;align-items:flex-start}
.tick{width:20px;height:20px;color:var(--teal);margin-top:3px;flex:none}
.note{background:var(--flag);border-left:4px solid var(--brass);padding:12px 14px;border-radius:var(--radius);font-size:.95rem;color:var(--ink)}
.industry{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.industry h2{font-size:1.35rem}
.industry dt{font-weight:700;margin-top:10px}
.industry dd{margin:2px 0 0;color:var(--ink-2)}
.reason{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:var(--radius);padding:22px}
.reason h2{font-size:1.25rem}
.reason p{margin:0;color:var(--ink-2)}
.steps{list-style:none;counter-reset:s;margin:0;padding:0}
.steps li{counter-increment:s;position:relative;padding:0 0 18px 50px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:700}
.steps strong{display:block}
.steps span{color:var(--ink-2)}
.steps.compact li{padding-bottom:14px}
.prose p,.prose li{max-width:68ch}
.prose h2{font-size:1.5rem;margin-top:1.6em}
.legal h2{font-size:1.3rem}
.about-grid{display:grid;gap:32px}
@media (min-width:860px){.about-grid{grid-template-columns:260px 1fr;gap:56px}}
.founder-card{background:var(--ink);color:#fff;padding:28px;border-radius:var(--radius);text-align:center;align-self:start}
.founder-mark{width:96px;height:96px;border-radius:50%;background:#fff;color:var(--ink);font-family:var(--serif);font-weight:700;font-size:2rem;display:grid;place-items:center;margin:0 auto 16px;border-bottom:5px solid var(--teal-soft)}
.founder-name{font-family:var(--serif);font-size:1.3rem;margin:0 0 4px}
.founder-card p:last-child{margin:0;color:#cfe0dd}

/* CTA + contact */
.cta-band{background:var(--ink);color:#fff;padding:60px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#d6e3e0;max-width:56ch;margin-left:auto;margin-right:auto}
.contact-cards{display:grid;gap:14px;margin:18px 0 20px}
@media (min-width:760px){.contact-cards{grid-template-columns:repeat(3,1fr)}}
.contact-card{display:flex;gap:14px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--ink);line-height:1.4;overflow-wrap:anywhere}
.contact-card:hover{border-color:var(--teal)}
.contact-card .icon{color:var(--teal-dark);width:26px;height:26px}
.contact-list li{display:flex;gap:12px;align-items:center;padding:8px 0;overflow-wrap:anywhere}
.contact-list .icon{color:var(--teal-dark)}
.contact-list.large{font-size:1.1rem}
.site-footer .contact-list .icon{color:var(--teal-soft)}
.contact-layout{display:grid;gap:36px}
@media (min-width:900px){.contact-layout{grid-template-columns:.8fr 1.3fr;gap:56px}}
.form-panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;scroll-margin-top:90px}
@media (min-width:600px){.form-panel{padding:32px}}

/* Forms */
.form .field{margin-bottom:18px}
.form label{display:block;font-weight:600;margin-bottom:6px}
.opt{font-weight:400;color:var(--ink-2)}
.form input[type=text],.form input[type=email],.form input[type=tel],.form input[type=date],.form select,.form textarea{width:100%;font:inherit;padding:11px 12px;border:1.5px solid #8a9aa8;border-radius:var(--radius);background:#fff;color:var(--ink);min-height:46px}
.form textarea{resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid rgba(15,118,110,.35);border-color:var(--teal)}
.form .invalid{border-color:#b3261e}
.hint{font-size:.88rem;color:var(--ink-2);margin:6px 0 0}
.err{color:#9c1c14;font-size:.92rem;margin:6px 0 0;min-height:0;font-weight:600}
.err:empty{display:none}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400 !important}
.check input{width:20px;height:20px;margin-top:3px;flex:none;accent-color:var(--teal)}
.two-col{display:grid;gap:0 16px}
@media (min-width:600px){.two-col{grid-template-columns:1fr 1fr}}
.form-status{margin-top:18px;border-radius:var(--radius);padding:0}
.form-status:empty{display:none}
.form-status.ok,.form-status.fail{padding:16px 18px}
.form-status.ok{background:#e4f3ea;border:1px solid #6fb98a;color:#0e3d22}
.form-status.fail{background:#fdeceb;border:1px solid #d98a85;color:#5c120d}
.form-status p{margin:0 0 .6em}
.form-status .btn-row{margin-top:10px}
.form-status a{color:inherit;font-weight:600}

/* Footer */
.site-footer{background:#0d1d2e;color:#cdd9d6;padding:48px 0 24px;font-size:.98rem}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--teal-soft)}
.footer-grid{display:grid;gap:30px;padding-bottom:28px}
@media (min-width:800px){.footer-grid{grid-template-columns:1.4fr 1fr 1.3fr}}
.footer-brand{font-family:var(--serif);font-size:1.3rem;color:#fff;font-weight:700;margin-bottom:8px}
.footer-h{font-family:var(--sans);font-size:1rem;color:#fff;margin-bottom:10px}
.site-footer li{padding:3px 0}
.footer-bottom{border-top:1px solid #2a3d52;padding-top:18px;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;font-size:.9rem}
.footer-bottom p{margin:0}

/* WhatsApp float: sits bottom-right; body has bottom padding so it never hides the footer text */
.wa-float{position:fixed;right:16px;bottom:16px;z-index:60;display:inline-flex;align-items:center;gap:8px;background:var(--wa);color:#fff;text-decoration:none;border-radius:999px;padding:0;width:56px;height:56px;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.25);font-weight:600}
.wa-float svg{width:30px;height:30px}
.wa-float:hover{background:#0a5f33;color:#fff}
.wa-label{display:none}
@media (min-width:720px){.wa-float{width:auto;padding:0 20px 0 16px}.wa-label{display:inline}}