/* =========================================================
   OIA Ltd – oialtd.com
   Static site, colours and type taken from the original site
   ========================================================= */

@font-face {
  font-family: "Open Sans";
  src: url("/assets/fonts/open-sans-latin.woff2") format("woff2");
  font-weight: 300 800;
  font-style: normal;
  font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Open Sans";
  src: url("/assets/fonts/open-sans-latin-ext.woff2") format("woff2");
  font-weight: 300 800;
  font-style: normal;
  font-display: swap;
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

:root {
  --blue: #007dc3;
  --blue-dark: #00609a;
  --text: #747474;
  --text-strong: #4a4a4a;
  --bg: #ffffff;
  --bg-alt: #ebebeb;
  --line: #d7d6d6;
  --footer: #363839;
  --footer-dark: #282a2b;
  --footer-text: #c9c9c9;
  --table-head: #6278a6;
  --hero-box: rgba(40, 42, 44, 0.78);
  --header-h: 96px;
  --radius: 4px;
  --container: 1170px;
  --narrow: 960px;
}

*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}

body {
  margin: 0;
  font-family: "Open Sans", Arial, Helvetica, sans-serif;
  font-size: 16px;
  line-height: 1.75;
  color: var(--text);
  background: var(--bg);
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-dark); text-decoration: underline; }
p { margin: 0 0 1.1em; }
strong { color: var(--text-strong); font-weight: 600; }

:focus-visible { outline: 3px solid #7cc4ef; outline-offset: 2px; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 1000;
  background: var(--blue); color: #fff; padding: 8px 14px; border-radius: var(--radius);
}
.skip-link:focus { top: 12px; color: #fff; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 30px;
}
.container.narrow { max-width: calc(var(--narrow) + 60px); }

section[id] { scroll-margin-top: var(--header-h); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: #fff;
  box-shadow: 0 1px 0 rgba(0,0,0,.06);
  transition: box-shadow .2s ease;
}
.site-header.scrolled { box-shadow: 0 2px 12px rgba(0,0,0,.12); }
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  min-height: var(--header-h);
  gap: 24px;
}
.brand img { width: auto; height: 76px; }

.main-nav ul {
  list-style: none; margin: 0; padding: 0;
  display: flex; flex-wrap: wrap; gap: 4px 30px; justify-content: flex-end;
}
.main-nav a {
  display: block;
  font-size: 13px; letter-spacing: .04em; text-transform: uppercase;
  color: #555;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover, .main-nav a.active {
  color: var(--blue); text-decoration: none; border-bottom-color: var(--blue);
}

.nav-toggle {
  display: none;
  background: none; border: 0; padding: 10px; cursor: pointer;
  flex-direction: column; gap: 5px;
}
.nav-toggle-bar { display: block; width: 28px; height: 3px; border-radius: 2px; background: var(--blue); transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: #0d4f6e url("/assets/img/hero-caribbean.jpg") center 40% / cover no-repeat;
  padding: 90px 0 110px;
  min-height: calc(100vh - var(--header-h));
  display: flex; align-items: center;
}
.hero-box {
  max-width: 640px;
  margin-left: 12%;
  background: var(--hero-box);
  color: #fff;
  padding: 44px 48px 48px;
  border-radius: var(--radius);
}
.hero-box h1 {
  margin: 0 0 22px;
  font-size: 28px; font-weight: 600; line-height: 1.3; color: #fff;
  padding-bottom: 14px;
  border-bottom: 2px dotted rgba(124, 196, 239, .8);
  display: inline-block; min-width: 70%;
}
.hero-box p { font-size: 15px; line-height: 1.7; margin-bottom: 1em; }
.hero-box .btn { margin-top: 10px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  background: var(--blue); color: #fff;
  font: 600 13px/1 "Open Sans", Arial, sans-serif; letter-spacing: .08em; text-transform: uppercase;
  padding: 15px 30px; border: 0; border-radius: var(--radius); cursor: pointer;
  transition: background .15s ease;
}
.btn:hover { background: var(--blue-dark); color: #fff; text-decoration: none; }
.btn[disabled] { opacity: .6; cursor: wait; }

/* ---------- Sections ---------- */
.section { padding: 80px 0; }
.section-alt { background: var(--bg-alt); }

.section-title {
  text-align: center;
  color: var(--blue);
  font-size: 28px; font-weight: 600; line-height: 1.4;
  margin: 0 0 40px;
}
.sub-title {
  text-align: center;
  color: var(--blue);
  font-size: 24px; font-weight: 600; line-height: 1.4;
  margin: 48px 0 20px;
}
.section-title + .sub-title { margin-top: 0; }
.lead { text-align: center; font-size: 17px; }

.small-print p { font-size: 14px; line-height: 1.7; }

/* ---------- Performance tables ---------- */
.table-wrap {
  margin: 30px 0 10px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: 0 1px 3px rgba(0,0,0,.08);
}
.perf-table {
  width: 100%;
  min-width: 860px;
  border-collapse: collapse;
  font-size: 13.5px;
  line-height: 1.4;
  color: #222;
}
.perf-table caption {
  caption-side: top;
  text-align: left;
  background: var(--table-head);
  color: #fff; font-weight: 600; font-size: 14px;
  padding: 10px 14px 0;
}
.perf-table thead th {
  background: var(--table-head);
  color: #fff; font-weight: 600;
  padding: 6px 10px 10px;
  text-align: right; white-space: nowrap;
}
.perf-table thead th:first-child { text-align: left; padding-left: 14px; }
.perf-table thead th:nth-child(2) { text-align: center; }
.perf-table tbody th,
.perf-table tbody td {
  padding: 9px 10px;
  border-top: 1px solid #e6e6e6;
  font-weight: 600;
}
.perf-table tbody th { text-align: left; padding-left: 14px; font-weight: 600; min-width: 300px; }
.perf-table tbody td { text-align: right; white-space: nowrap; font-variant-numeric: tabular-nums; }
.perf-table tbody td:nth-child(2) { text-align: center; }
.perf-table tbody tr:nth-child(even) { background: #f7f8fa; }

/* sticky first column on small screens */
@media (max-width: 900px) {
  .perf-table tbody th, .perf-table thead th:first-child {
    position: sticky; left: 0; z-index: 1;
    min-width: 200px; max-width: 220px;
    box-shadow: 1px 0 0 #e6e6e6;
  }
  .perf-table tbody th { background: #fff; }
  .perf-table tbody tr:nth-child(even) th { background: #f7f8fa; }
  .perf-table thead th:first-child { background: var(--table-head); }
}
.table-hint { display: none; font-size: 13px; text-align: center; margin: 6px 0 0; }
@media (max-width: 900px) { .table-hint { display: block; } }

/* ---------- Testimonials ---------- */
.testimonial { margin: 0 0 40px; }
.testimonial blockquote {
  margin: 0;
  background: #fff;
  border: 1px solid var(--line);
  border-bottom: 0;
  border-radius: var(--radius) var(--radius) 0 0;
  padding: 32px 40px 20px;
  font-style: italic;
  text-align: center;
  font-size: 15px;
}
.testimonial figcaption {
  background: var(--blue);
  color: #fff;
  text-align: center;
  padding: 12px 20px;
  border-radius: 0 0 var(--radius) var(--radius);
  font-size: 15px;
}
.testimonial figcaption strong { color: #fff; }

/* ---------- Wealth ---------- */
.service-list { list-style: none; margin: 0 0 1.4em; padding: 0; }
.service-list li { padding: 2px 0 2px 4px; }
.service-list li span { display: inline-block; width: 1.7em; }

/* ---------- Process ---------- */
.process-steps {
  display: grid; gap: 18px;
  margin: 30px 0;
}
.step {
  background: var(--bg-alt);
  border-left: 4px solid var(--blue);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 26px 6px;
}
.step h3 { margin: 0 0 8px; font-size: 17px; font-weight: 600; color: var(--text-strong); }

/* ---------- Team ---------- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 48px;
  max-width: 980px; margin: 0 auto;
}
.member img {
  width: 200px; height: 200px; border-radius: 50%;
  margin: 0 auto 22px; object-fit: cover;
  box-shadow: 0 2px 10px rgba(0,0,0,.12);
}
.member h3 {
  text-align: center; margin: 0;
  color: var(--blue); font-size: 22px; font-weight: 600;
}
.member .role {
  text-align: center; color: var(--blue);
  font-size: 16px; margin: 4px auto 22px;
  padding-bottom: 8px; border-bottom: 1px solid var(--line);
  max-width: 240px;
}
.member p { font-size: 15px; }

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
  gap: 60px;
  max-width: 1000px; margin: 0 auto;
}
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 14px; margin-bottom: 6px; }
.field .req { color: #999; }
.field input, .field textarea {
  width: 100%;
  font: inherit; font-size: 15px; color: #333;
  background: #fff;
  border: 1px solid #d2d2d2; border-radius: var(--radius);
  padding: 10px 12px;
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field textarea:focus {
  border-color: var(--blue); outline: none; box-shadow: 0 0 0 3px rgba(0,125,195,.15);
}
.field input[aria-invalid="true"] { border-color: #c0392b; }
.field textarea { resize: vertical; min-height: 150px; }
.hp { position: absolute; left: -9999px; }
.form-status { margin: 14px 0 0; font-size: 14px; min-height: 1.4em; }
.form-status.ok { color: #1e8a55; }
.form-status.err { color: #c0392b; }

.contact-info h3 { color: var(--blue); font-size: 22px; font-weight: 600; margin: 0 0 18px; }
.contact-info address { font-style: normal; font-size: 15px; line-height: 1.6; }
.contact-info address p { margin-bottom: 18px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--footer); color: var(--footer-text); }
.disclosures { padding: 50px 0 30px; font-size: 13px; line-height: 1.7; }
.disclosures h2 {
  text-align: center; color: var(--blue);
  font-size: 18px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
  margin: 0 0 18px;
}
.disclosures .docs { text-align: center; font-size: 14px; margin-bottom: 22px; }
.disclosures a { color: #4fb3ea; }
.disclosures p { color: var(--footer-text); }

.footer-nav { border-top: 1px solid #4a4c4d; padding: 24px 0; }
.footer-nav ul {
  list-style: none; margin: 0; padding: 0;
  display: flex; flex-wrap: wrap; justify-content: center;
}
.footer-nav li + li::before { content: "|"; color: #5d5f60; margin: 0 14px; }
.footer-nav a { color: var(--footer-text); font-size: 13px; }
.footer-nav a:hover { color: #fff; }

.copyright {
  background: var(--footer-dark);
  text-align: center; font-size: 12px; padding: 18px 0;
  color: #9a9a9a;
}
.copyright a { color: #9a9a9a; }
.copyright a:hover { color: #fff; }

.to-top {
  position: fixed; right: 20px; bottom: 20px; z-index: 90;
  width: 42px; height: 42px; border-radius: var(--radius);
  background: rgba(54,56,57,.88); color: #fff;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; pointer-events: none; transition: opacity .2s;
}
.to-top.show { opacity: 1; pointer-events: auto; }
.to-top:hover { background: var(--blue); color: #fff; }

/* ---------- Responsive ---------- */
@media (max-width: 1180px) {
  .main-nav ul { gap: 4px 20px; }
  .main-nav a { font-size: 12px; }
}

@media (max-width: 1024px) {
  :root { --header-h: 80px; }
  .brand img { height: 62px; }
  .nav-toggle { display: flex; }
  .main-nav {
    position: absolute; left: 0; right: 0; top: 100%;
    background: #fff;
    box-shadow: 0 8px 16px rgba(0,0,0,.12);
    max-height: 0; overflow: hidden;
    transition: max-height .25s ease;
  }
  .main-nav.open { max-height: 80vh; overflow-y: auto; }
  .main-nav ul { flex-direction: column; gap: 0; padding: 8px 0; }
  .main-nav li { border-top: 1px solid #eee; }
  .main-nav a {
    padding: 14px 30px; font-size: 14px; border-bottom: 0;
  }
  .main-nav a.active { background: #f3f8fc; }
  .hero-box { margin: 0 auto; }
}

@media (max-width: 760px) {
  .container { padding: 0 20px; }
  .section { padding: 56px 0; }
  .section-title { font-size: 25px; margin-bottom: 28px; }
  .sub-title { font-size: 21px; margin-top: 40px; }
  .hero { padding: 40px 0 50px; min-height: 0; background-position: 30% center; }
  .hero-box { padding: 30px 24px 32px; }
  .hero-box h1 { font-size: 26px; }
  .testimonial blockquote { padding: 24px 20px 12px; font-size: 14.5px; }
  .team-grid, .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .step { padding: 16px 18px 4px; }
  .footer-nav li + li::before { margin: 0 9px; }
}

@media print {
  .site-header, .to-top, .contact-form, .footer-nav { display: none; }
  .hero { background: none; min-height: 0; padding: 0; }
  .hero-box { background: none; color: #000; padding: 0; }
  .hero-box h1 { color: #000; }
}

.center { text-align: center; }