:root{--navy:#062a55;--navy2:#0b3e78;--blue:#0b63ce;--sky:#eaf4ff;--gold:#c99516;--gold2:#e6b84c;--ink:#10233f;--muted:#60748c;--line:#dfe8f1;--bg:#f7fbff;--white:#fff;--green:#087f5b;--red:#bd2c2c;--shadow:0 16px 45px rgba(20,53,91,.10)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}a{color:inherit;text-decoration:none}img{max-width:100%}.container{width:min(1180px,92%);margin:auto}.topnote{background:var(--navy);color:#eaf4ff;font-size:13px;padding:8px 0}.topnote .container{display:flex;justify-content:space-between;gap:20px;align-items:center}.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:82px;gap:24px}.brand img{height:58px;width:auto;display:block}.menu{display:flex;align-items:center;gap:23px;font-size:14px;font-weight:700}.menu a:hover,.menu a.active{color:var(--blue)}.menu .webmail{padding:10px 14px;border-radius:10px;border:1px solid #e6ca7a;background:#fff9e7;color:#795700}.menu .contact{margin-right:-12px}.dropdown{position:relative}.dropdown>span{cursor:pointer}.drop{display:none;position:absolute;top:32px;left:-16px;min-width:220px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:14px;padding:10px}.dropdown:hover .drop{display:block}.drop a{display:block;padding:10px 12px;border-radius:9px}.drop a:hover{background:var(--sky)}.mobile-toggle{display:none;border:0;background:none;font-size:26px}.hero{background:linear-gradient(120deg,#f5faff 0%,#eaf4ff 45%,#d9eaff 100%);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,#d7e9ff 0,#d7e9ff00 70%);right:-100px;top:-120px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;min-height:560px;align-items:center;gap:32px;position:relative;z-index:2}.eyebrow{color:var(--blue);font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:12px}.hero h1{font-family:Georgia,serif;font-size:62px;line-height:1.03;margin:14px 0 18px;color:var(--navy)}.hero h1 span{color:var(--gold)}.hero p{font-size:18px;color:#405a75;max-width:660px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:10px;background:var(--blue);color:#fff;font-weight:800;border:1px solid var(--blue)}.btn.alt{background:#fff;color:var(--navy);border-color:#9cb6d1}.btn.gold{background:linear-gradient(135deg,var(--gold2),var(--gold));border-color:var(--gold);color:#18263a}.trustrow{display:flex;gap:12px;flex-wrap:wrap}.trust{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 12px;font-size:13px;box-shadow:0 8px 25px rgba(31,76,120,.06)}.hero-art{min-height:420px;border-radius:28px;background:linear-gradient(160deg,#0b3e78 0%,#12315e 55%,#071f3c 100%);box-shadow:var(--shadow);position:relative;overflow:hidden;border:1px solid rgba(255,255,255,.35)}.hero-art .city{position:absolute;left:0;right:0;bottom:0;height:58%;background:linear-gradient(180deg,transparent,rgba(0,0,0,.15)),repeating-linear-gradient(90deg,transparent 0 26px,rgba(255,255,255,.05) 26px 31px)}.hero-art:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 70% 25%,rgba(255,255,255,.16),transparent 35%),linear-gradient(30deg,transparent 55%,rgba(230,184,76,.15) 56%,transparent 57%)}.growthline{position:absolute;left:12%;right:10%;bottom:24%;height:120px;border-top:4px solid var(--gold2);transform:skewY(-12deg);border-radius:50%}.quote{position:absolute;right:28px;top:34px;color:#fff;max-width:240px;font-family:Georgia,serif;font-size:26px}.quote small{display:block;color:#d6e8ff;font-family:Inter,Arial,sans-serif;font-size:13px;margin-top:16px}.service-strip{margin-top:-38px;position:relative;z-index:6}.service-grid{display:grid;grid-template-columns:repeat(8,1fr);background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:18px;overflow:hidden}.service-card{padding:18px 12px;text-align:center;border-right:1px solid var(--line)}.service-card:last-child{border-right:0}.service-card strong{display:block;color:var(--navy);font-size:14px}.service-card span{font-size:11px;color:var(--muted)}.icon{width:42px;height:42px;margin:0 auto 9px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,#edf6ff,#fff7df);color:var(--blue);font-weight:900;font-size:19px}.section{padding:74px 0}.section.white{background:#fff}.section-head{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:30px}.section h2{font-family:Georgia,serif;font-size:38px;line-height:1.15;margin:0;color:var(--navy)}.section-head p{max-width:570px;color:var(--muted);margin:0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 24px rgba(20,53,91,.05)}.card h3{margin:10px 0;color:var(--navy)}.card p{color:var(--muted);margin:0}.feature{min-height:210px}.feature .num{font-size:36px;font-family:Georgia,serif;color:var(--gold)}.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:stretch}.panel-dark{background:linear-gradient(145deg,var(--navy),#0d4a84);color:#fff;border-radius:24px;padding:34px}.panel-dark h2,.panel-dark h3{color:#fff}.panel-dark p{color:#dcecff}.checklist{list-style:none;padding:0;margin:18px 0}.checklist li{padding:8px 0}.checklist li:before{content:'✓';color:var(--gold2);font-weight:900;margin-right:9px}.data-note{background:#fff;border:1px dashed #9ab6d4;border-radius:18px;padding:26px;text-align:center}.data-note h3{color:var(--navy);margin-top:0}.data-note p{color:var(--muted)}.official-links{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}.official-links a{padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#f8fbff;font-weight:800;color:var(--blue)}.page-hero{padding:72px 0 54px;background:linear-gradient(120deg,#eef6ff,#fff);border-bottom:1px solid var(--line)}.page-hero .container{display:grid;grid-template-columns:1fr .7fr;gap:32px;align-items:center}.page-hero h1{font-family:Georgia,serif;font-size:50px;line-height:1.06;color:var(--navy);margin:8px 0}.page-hero p{font-size:17px;color:var(--muted);max-width:700px}.page-art{height:260px;border-radius:22px;background:linear-gradient(145deg,#0e4d8b,#061f3c);position:relative;overflow:hidden}.page-art:before{content:"";position:absolute;width:220px;height:220px;border-radius:50%;background:rgba(255,255,255,.08);right:30px;top:22px}.page-art:after{content:"↗";position:absolute;font-size:145px;color:rgba(230,184,76,.9);right:48px;bottom:-32px;font-family:Arial}.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:26px}.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:var(--shadow)}label{display:block;font-weight:700;color:var(--navy);margin:12px 0 6px}input,select,textarea{width:100%;padding:12px 13px;border-radius:10px;border:1px solid #cfddea;background:#fff;font:inherit}textarea{min-height:120px}.result{margin-top:18px;padding:18px;background:#eefaf5;border:1px solid #c7eadb;border-radius:12px}.result strong{font-size:24px;color:var(--green)}.notice{padding:15px 18px;border-radius:12px;background:#fff9e8;border:1px solid #ecd792;color:#6b5514}.footer{background:#061f3c;color:#dce8f5;padding:46px 0 20px}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:30px}.footer h4{color:#fff;margin:0 0 12px}.footer a{display:block;color:#c8d7e8;padding:4px 0;font-size:14px}.footer .brand img{height:54px;filter:brightness(0) invert(1)}.copyright{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:18px;font-size:13px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.small{font-size:12px;color:var(--muted)}.badge{display:inline-block;padding:5px 9px;border-radius:999px;background:#e9f3ff;color:#0a5ab5;font-size:11px;font-weight:800}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.article{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden}.article .thumb{height:120px;background:linear-gradient(135deg,#0f4e8d,#93c0e9)}.article .body{padding:16px}.article h3{margin:0 0 8px;color:var(--navy)}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:26px}.map{min-height:320px;border-radius:18px;background:linear-gradient(145deg,#e8f2fb,#c9e0f6);display:grid;place-items:center;color:#0b3e78;border:1px solid var(--line)}
@media(max-width:980px){.menu{display:none;position:absolute;top:82px;left:0;right:0;background:white;padding:18px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.menu.open{display:flex}.mobile-toggle{display:block}.hero-grid,.page-hero .container,.split,.calc-wrap,.contact-grid{grid-template-columns:1fr}.hero h1{font-size:48px}.hero-art{min-height:330px}.service-grid{grid-template-columns:repeat(4,1fr)}.grid4{grid-template-columns:repeat(2,1fr)}.grid3,.article-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.dropdown:hover .drop{display:none}.drop{position:static;box-shadow:none;border:0;padding-left:10px}.dropdown.mobile-open .drop{display:block}.page-hero h1{font-size:42px}}
@media(max-width:640px){.topnote .container{justify-content:center;text-align:center}.topnote .container span:last-child{display:none}.brand img{height:48px}.nav{min-height:68px}.menu{top:68px}.hero-grid{min-height:auto;padding:48px 0 70px}.hero h1{font-size:40px}.hero p{font-size:16px}.service-grid{grid-template-columns:repeat(2,1fr)}.grid4,.grid3,.article-grid,.footer-grid{grid-template-columns:1fr}.section{padding:54px 0}.section h2{font-size:32px}.section-head{align-items:start;flex-direction:column}.page-hero{padding:48px 0}.page-hero h1{font-size:38px}.page-art{height:190px}.service-strip{margin-top:-24px}}

/* V3 header and professional visual system */
.topnote{display:none}.topbrand{background:#fff;border-bottom:1px solid var(--line);text-align:center;padding:11px 0}.topbrand a{font-family:Georgia,serif;font-weight:800;letter-spacing:.04em;color:var(--navy);font-size:27px}.v3nav{min-height:64px;width:min(1500px,97%)}.compact-brand img{height:38px}.product-menu{gap:14px;font-size:12px;white-space:nowrap}.product-menu .webmail{padding:7px 9px}.hero-art{background-image:linear-gradient(145deg,rgba(5,38,77,.38),rgba(6,31,60,.38)),url('images/premium/home-financial-growth-4k.jpg');background-size:cover;background-position:center}.page-art{background-size:cover!important;background-position:center!important}.art-stocks{background-image:linear-gradient(145deg,rgba(5,38,77,.42),rgba(6,31,60,.38)),url('images/premium/stocks-market-4k.jpg')!important}.art-commodities{background-image:linear-gradient(145deg,rgba(255,255,255,.06),rgba(6,31,60,.18)),url('images/premium/commodities-market-4k.jpg')!important}.art-mutual-funds{background-image:linear-gradient(145deg,rgba(255,255,255,.06),rgba(6,31,60,.18)),url('images/premium/mutual-funds-growth-4k.jpg')!important}.art-insurance{background-image:linear-gradient(145deg,rgba(255,255,255,.06),rgba(6,31,60,.18)),url('images/premium/insurance-protection-4k.jpg')!important}.art-loan{background-image:linear-gradient(145deg,rgba(255,255,255,.06),rgba(6,31,60,.18)),url('images/premium/loans-planning-4k.jpg')!important}.art-ipo,.art-unlisted-stocks{background-image:linear-gradient(145deg,rgba(5,38,77,.42),rgba(6,31,60,.38)),url('images/premium/ipo-capital-4k.jpg')!important}.art-iepf{background-image:linear-gradient(145deg,rgba(255,255,255,.06),rgba(6,31,60,.18)),url('images/premium/iepf-recovery-4k.jpg')!important}.mf-tabs{display:flex;gap:9px;flex-wrap:wrap;margin:18px 0}.mf-tabs span{background:#eef6ff;border:1px solid #cfe1f4;padding:8px 11px;border-radius:999px;font-size:12px;font-weight:800;color:var(--navy)}.advisor{background:linear-gradient(135deg,#eef7ff,#fff8e8);border:1px solid #d7e6f5}.tablewrap{overflow:auto}.fundtable{width:100%;border-collapse:collapse;background:#fff}.fundtable th,.fundtable td{padding:12px;border-bottom:1px solid var(--line);text-align:left;font-size:13px}.fundtable th{background:#edf5ff;color:var(--navy);position:sticky;top:0}.admin-shell{min-height:70vh;display:grid;place-items:center;background:linear-gradient(135deg,#edf6ff,#fff)}.admin-card{width:min(440px,92%);background:#fff;border:1px solid var(--line);border-radius:22px;padding:30px;box-shadow:var(--shadow)}
@media(max-width:1350px){.compact-brand{display:none}.product-menu{gap:10px;font-size:11px}}@media(max-width:980px){.topbrand a{font-size:22px}.compact-brand{display:block}.product-menu{white-space:normal;font-size:14px}}

/* V3.1 refinements */
.topbrand{padding:9px 0}.topbrand-inner{width:min(1500px,97%);margin:auto;display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:18px}.top-logo{justify-self:start;display:flex;align-items:center}.top-logo img{height:44px;width:auto;display:block}.top-title{justify-self:center;font-family:Georgia,serif;font-weight:800;letter-spacing:.045em;color:var(--navy);font-size:29px}.top-spacer{min-width:44px}.v3nav{width:min(1600px,99%);min-height:67px;justify-content:center}.product-menu{width:100%;justify-content:space-between;gap:10px;font-size:13px}.product-menu a{padding:7px 4px}.product-menu .webmail{padding:8px 10px}.hero-art-v31{background-image:linear-gradient(145deg,rgba(5,38,77,.26),rgba(6,31,60,.34)),url('images/premium/about-guidance-4k.jpg')}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.blog-card{min-height:220px;display:flex;flex-direction:column}.blog-card .badge{align-self:flex-start}.blog-card a{margin-top:auto;color:var(--blue);font-weight:800}.map-link{display:inline-flex;margin-top:15px}
@media(max-width:1350px){.product-menu{font-size:12px;gap:7px}.top-title{font-size:26px}}@media(max-width:1100px){.product-menu{font-size:11px}}@media(max-width:980px){.topbrand-inner{grid-template-columns:auto 1fr}.top-title{justify-self:start;font-size:23px}.top-spacer{display:none}.top-logo img{height:38px}.v3nav{justify-content:flex-end}.product-menu{font-size:14px}.blog-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:640px){.top-title{font-size:19px}.top-logo img{height:34px}.blog-grid{grid-template-columns:1fr}}