/* =====================================================================
   VR Capittal brand stylesheet
   Colours taken from the logo: navy #082A54 and red #FF1919.
   Loaded after the theme CSS in component/header.php, so it can restyle
   the whole site. To roll back, delete the <link> to this file.
   ===================================================================== */

:root {
  --vr-navy: #082A54;
  --vr-navy-900: #051D3B;
  --vr-navy-700: #0C3768;
  --vr-navy-100: #DCE6F4;
  --vr-navy-50: #EEF3FA;
  --vr-red: #FF1919;
  --vr-red-btn: #E3151C;
  --vr-red-dark: #B80F15;
  --vr-ink: #0B1F3A;
  --vr-text: #44546A;
  --vr-border: #DFE7F2;
  --vr-soft: #F5F8FC;
  --vr-font: "Spline Sans", "DM Sans", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}

/* ---------- 1. Site-wide recolour of the existing theme (header, footer, other pages) ---------- */
.bg-primary-500 { background-color: var(--vr-navy) !important; }
.hover\:bg-primary-900:hover { background-color: var(--vr-red-btn) !important; }
.hover\:bg-primary-500:hover { background-color: var(--vr-navy) !important; }
.text-primary-900 { color: var(--vr-navy) !important; }
.text-primary-500 { color: var(--vr-navy) !important; }
.text-primary-100 { color: var(--vr-text) !important; }
.border-primary-500 { border-color: var(--vr-navy) !important; }
.bg-primary-50 { background-color: var(--vr-navy-50) !important; }
.nav-wrapper a:hover,
.nav-wrapper li:hover > a { color: var(--vr-red) !important; }
.icondata { color: var(--vr-red); }

/* ---------- 2. Homepage components ---------- */
.vr-home { font-family: var(--vr-font); color: var(--vr-text); line-height: 1.65; }
.vr-home *, .vr-home *::before, .vr-home *::after { box-sizing: border-box; }
:where(.vr-home) :is(h1, h2, h3, h4) { font-family: var(--vr-font); color: var(--vr-navy); margin: 0; letter-spacing: -0.01em; }
:where(.vr-home) :is(p, figure, blockquote) { margin: 0; }
:where(.vr-home) a { text-decoration: none; }
:where(.vr-home) img { max-width: 100%; height: auto; }
.vr-home svg.vr-i { width: 1em; height: 1em; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }

.vr-container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.vr-section { padding: 84px 0; }
.vr-section--soft { background: var(--vr-soft); }

.vr-eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--vr-red-btn); margin-bottom: 14px; }
.vr-eyebrow::before { content: ""; width: 28px; height: 3px; border-radius: 2px; background: var(--vr-red); }
.vr-h2 { font-size: clamp(28px, 3.4vw, 40px); line-height: 1.15; font-weight: 800; }
.vr-lead { font-size: 17px; max-width: 720px; margin-top: 16px; }
.vr-head { display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 24px; margin-bottom: 44px; }
.vr-head > div { max-width: 760px; }
.vr-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 15px; color: var(--vr-navy); border-bottom: 2px solid var(--vr-red); padding-bottom: 3px; transition: gap .2s, color .2s; }
.vr-link:hover { gap: 12px; color: var(--vr-red-btn); }

/* Buttons */
.vr-btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 15px 28px; border-radius: 8px; font-weight: 700; font-size: 16px; line-height: 1.2; cursor: pointer; border: 2px solid transparent; transition: background .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s; }
.vr-btn:hover { transform: translateY(-2px); }
.vr-btn-red { background: var(--vr-red-btn); color: #fff !important; box-shadow: 0 10px 24px -10px rgba(227, 21, 28, .7); }
.vr-btn-red:hover { background: var(--vr-red-dark); }
.vr-btn-ghost { border-color: rgba(255, 255, 255, .5); color: #fff !important; }
.vr-btn-ghost:hover { background: #fff; color: var(--vr-navy) !important; border-color: #fff; }
.vr-btn-navy { background: var(--vr-navy); color: #fff !important; }
.vr-btn-navy:hover { background: var(--vr-navy-700); }

/* Hero */
.vr-hero { position: relative; overflow: hidden; color: #fff; padding: 88px 0 96px; background: linear-gradient(135deg, var(--vr-navy-900) 0%, var(--vr-navy) 55%, var(--vr-navy-700) 100%); border-bottom: 4px solid var(--vr-red); }
.vr-hero::before { content: ""; position: absolute; right: -180px; top: -220px; width: 640px; height: 640px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 255, 255, .10), rgba(255, 255, 255, 0) 70%); }
.vr-hero::after { content: ""; position: absolute; left: -120px; bottom: -260px; width: 520px; height: 520px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 25, 25, .16), rgba(255, 25, 25, 0) 70%); }
.vr-hero .vr-container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.vr-hero .vr-eyebrow { color: #FFB4B4; }
.vr-hero h1 { color: #fff !important; font-size: clamp(32px, 4.4vw, 54px); line-height: 1.1; font-weight: 800; margin-bottom: 22px; }
.vr-hero h1 em { font-style: normal; color: #FF6464; }
.vr-hero-lead { font-size: 18px; color: #D5E0F1; max-width: 600px; margin-bottom: 34px; }
.vr-cta-row { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.vr-quick { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px; font-size: 14px; color: #B9C8E0; }
.vr-quick a { color: #fff; font-weight: 600; border-bottom: 1px solid rgba(255, 255, 255, .35); padding-bottom: 1px; }
.vr-quick a:hover { border-color: var(--vr-red); }

.vr-panel { background: #fff; color: var(--vr-text); border-radius: 18px; padding: 28px; box-shadow: 0 34px 70px -24px rgba(0, 0, 0, .55); }
.vr-panel h2 { font-size: 20px; font-weight: 800; margin-bottom: 4px; }
.vr-panel > p { font-size: 14px; margin-bottom: 18px; }
.vr-panel-link { display: flex; align-items: center; gap: 16px; padding: 14px 14px 14px 12px; border: 1px solid var(--vr-border); border-left: 4px solid var(--vr-navy); border-radius: 10px; margin-top: 12px; color: var(--vr-ink); background: #fff; transition: border-color .2s, background .2s, transform .2s; }
.vr-panel-link:hover { border-left-color: var(--vr-red); background: var(--vr-navy-50); transform: translateX(4px); }
.vr-panel-link .vr-tile { width: 44px; height: 44px; border-radius: 10px; font-size: 22px; }
.vr-panel-link strong { display: block; font-size: 16px; color: var(--vr-navy); line-height: 1.3; }
.vr-panel-link span.vr-sub { display: block; font-size: 13px; color: var(--vr-text); line-height: 1.4; }
.vr-panel-link > .vr-i { margin-left: auto; color: var(--vr-red-btn); font-size: 20px; }

.vr-tile { display: inline-flex; align-items: center; justify-content: center; flex: none; width: 54px; height: 54px; border-radius: 12px; background: var(--vr-navy); color: #fff; font-size: 26px; transition: background .2s; }

/* Trust bar */
.vr-trust { background: #fff; border-bottom: 1px solid var(--vr-border); }
.vr-trust .vr-container { display: grid; grid-template-columns: repeat(4, 1fr); }
.vr-trust-item { display: flex; align-items: center; gap: 14px; padding: 24px 20px; border-right: 1px solid var(--vr-border); }
.vr-trust-item:first-child { padding-left: 0; }
.vr-trust-item:last-child { border-right: 0; }
.vr-trust-item .vr-tile { width: 46px; height: 46px; font-size: 22px; background: var(--vr-navy-50); color: var(--vr-navy); }
.vr-trust-item strong { display: block; color: var(--vr-navy); font-size: 15px; line-height: 1.3; }
.vr-trust-item span.vr-sub { display: block; font-size: 13px; line-height: 1.4; }

/* Service cards */
.vr-grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.vr-card { position: relative; display: flex; flex-direction: column; background: #fff; border: 1px solid var(--vr-border); border-radius: 14px; padding: 28px 24px 24px; color: inherit; overflow: hidden; transition: transform .25s, box-shadow .25s, border-color .25s; }
.vr-card::before { content: ""; position: absolute; left: 0; top: 0; width: 100%; height: 4px; background: linear-gradient(90deg, var(--vr-navy), var(--vr-red)); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.vr-card:hover { transform: translateY(-6px); box-shadow: 0 24px 40px -22px rgba(8, 42, 84, .45); border-color: var(--vr-navy-100); }
.vr-card:hover::before { transform: scaleX(1); }
.vr-card:hover .vr-tile { background: var(--vr-red-btn); }
.vr-card .vr-tile { margin-bottom: 20px; }
.vr-card h3 { font-size: 19px; font-weight: 700; margin-bottom: 10px; line-height: 1.3; }
.vr-card p { font-size: 15px; flex: 1; }
.vr-card .vr-more { display: inline-flex; align-items: center; gap: 6px; margin-top: 18px; font-weight: 700; font-size: 14px; color: var(--vr-red-btn); }
.vr-also { margin-top: 28px; font-size: 15px; display: flex; flex-wrap: wrap; gap: 8px 22px; align-items: center; }
.vr-also strong { color: var(--vr-navy); }
.vr-also a { color: var(--vr-navy); font-weight: 600; border-bottom: 1px solid var(--vr-navy-100); }
.vr-also a:hover { color: var(--vr-red-btn); border-color: var(--vr-red); }

/* Why us */
.vr-why { background: linear-gradient(135deg, var(--vr-navy-900), var(--vr-navy)); color: #C9D6EA; position: relative; overflow: hidden; }
.vr-why .vr-h2 { color: #fff !important; }
.vr-why .vr-eyebrow { color: #FFB4B4; }
.vr-why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 44px; }
.vr-why-item { padding: 28px 24px; border-radius: 14px; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); }
.vr-why-item .vr-num { display: inline-block; font-size: 34px; font-weight: 800; color: var(--vr-red); line-height: 1; margin-bottom: 16px; }
.vr-why-item h3 { color: #fff !important; font-size: 19px; font-weight: 700; margin-bottom: 10px; }
.vr-why-item p { font-size: 15px; }

/* Process */
.vr-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; counter-reset: step; position: relative; }
.vr-step { position: relative; padding-top: 74px; }
.vr-step::before { counter-increment: step; content: counter(step); position: absolute; left: 0; top: 0; width: 52px; height: 52px; border-radius: 50%; background: var(--vr-navy); color: #fff; font-weight: 800; font-size: 20px; display: flex; align-items: center; justify-content: center; box-shadow: 0 0 0 6px var(--vr-navy-50); z-index: 1; }
.vr-step::after { content: ""; position: absolute; left: 60px; right: -14px; top: 25px; height: 2px; background: repeating-linear-gradient(90deg, var(--vr-navy-100) 0 8px, transparent 8px 14px); }
.vr-step:last-child::after { display: none; }
.vr-step h3 { font-size: 19px; font-weight: 700; margin-bottom: 8px; }
.vr-step p { font-size: 15px; }

/* Testimonials */
.vr-quotes { display: grid; grid-template-columns: repeat(6, 1fr); gap: 24px; }
.vr-quote { grid-column: span 2; }
.vr-quote:nth-child(4) { grid-column: 2 / span 2; }
.vr-quote:nth-child(5) { grid-column: 4 / span 2; }
.vr-quote { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--vr-border); border-radius: 14px; padding: 28px 26px; position: relative; }
.vr-quote::before { content: "\201C"; position: absolute; right: 22px; top: 6px; font-size: 90px; line-height: 1; font-family: Georgia, serif; color: var(--vr-red); opacity: .18; }
.vr-stars { color: #F2A900; letter-spacing: 3px; font-size: 17px; margin-bottom: 14px; }
.vr-quote p { font-size: 15px; flex: 1; }
.vr-person { display: flex; align-items: center; gap: 14px; margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--vr-border); }
.vr-person img { width: 54px; height: 54px; border-radius: 50%; object-fit: cover; border: 2px solid var(--vr-navy-100); }
.vr-person strong { display: block; color: var(--vr-navy); font-size: 16px; line-height: 1.3; }
.vr-person span { display: block; font-size: 13px; line-height: 1.4; }

/* Partners */
.vr-partners { display: flex; flex-wrap: wrap; justify-content: center; gap: 18px 28px; margin-top: 36px; }
.vr-partners img { height: 54px; width: auto; max-width: 150px; object-fit: contain; filter: grayscale(1); opacity: .75; transition: filter .25s, opacity .25s; }
.vr-partners img:hover { filter: none; opacity: 1; }
.vr-center { text-align: center; }
.vr-center .vr-lead { margin-left: auto; margin-right: auto; }

/* FAQ */
.vr-faq { max-width: 860px; margin: 44px auto 0; }
.vr-faq details { background: #fff; border: 1px solid var(--vr-border); border-radius: 12px; margin-bottom: 14px; transition: border-color .2s, box-shadow .2s; }
.vr-faq details[open] { border-color: var(--vr-navy-100); box-shadow: 0 16px 30px -22px rgba(8, 42, 84, .5); }
.vr-faq summary { cursor: pointer; list-style: none; padding: 20px 56px 20px 24px; font-weight: 700; color: var(--vr-navy); font-size: 17px; position: relative; }
.vr-faq summary::-webkit-details-marker { display: none; }
.vr-faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); width: 28px; height: 28px; border-radius: 50%; background: var(--vr-navy-50); color: var(--vr-red-btn); font-size: 22px; line-height: 28px; text-align: center; font-weight: 600; }
.vr-faq details[open] summary::after { content: "\2212"; background: var(--vr-red-btn); color: #fff; }
.vr-faq details p { padding: 0 24px 22px; font-size: 16px; }

/* Final CTA */
.vr-cta { position: relative; overflow: hidden; text-align: center; color: #D5E0F1; padding: 84px 0; background: linear-gradient(135deg, var(--vr-navy-900), var(--vr-navy) 60%, var(--vr-navy-700)); border-top: 4px solid var(--vr-red); }
.vr-cta::before { content: ""; position: absolute; left: 50%; top: -240px; width: 700px; height: 700px; margin-left: -350px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 255, 255, .08), rgba(255, 255, 255, 0) 70%); }
.vr-cta .vr-container { position: relative; }
.vr-cta h2 { color: #fff !important; font-size: clamp(28px, 3.4vw, 40px); font-weight: 800; margin-bottom: 14px; }
.vr-cta p { max-width: 640px; margin: 0 auto 30px; font-size: 18px; }
.vr-cta .vr-cta-row { justify-content: center; margin-bottom: 0; }

.vr-disclaimer { background: var(--vr-soft); border-top: 1px solid var(--vr-border); padding: 26px 0; font-size: 13px; line-height: 1.7; color: #5B6B82; }
.vr-disclaimer strong { color: var(--vr-navy); }

/* Homepage announcement pop-up (image managed from the admin panel) */
.vr-popup { position: fixed; inset: 0; z-index: 99999; display: none; align-items: center; justify-content: center; padding: 24px; background: rgba(5, 29, 59, .72); }
.vr-popup.is-open { display: flex; }
.vr-popup-box { position: relative; max-width: min(720px, 100%); max-height: 100%; background: #fff; border-radius: 14px; padding: 10px; box-shadow: 0 30px 80px -20px rgba(0, 0, 0, .6); animation: vr-pop .35s ease; }
.vr-popup-box img { display: block; max-width: 100%; max-height: calc(100vh - 100px); border-radius: 8px; }
.vr-popup-close { position: absolute; right: -12px; top: -12px; width: 38px; height: 38px; border: 0; border-radius: 50%; background: var(--vr-red-btn); color: #fff; font-size: 24px; line-height: 38px; cursor: pointer; box-shadow: 0 6px 16px rgba(0, 0, 0, .35); }
.vr-popup-close:hover { background: var(--vr-red-dark); }
@keyframes vr-pop { from { transform: scale(.92); opacity: 0; } to { transform: scale(1); opacity: 1; } }

/* ---------- 3. Responsive ---------- */
@media (max-width: 1100px) {
  .vr-grid-4, .vr-why-grid, .vr-steps { grid-template-columns: repeat(2, 1fr); }
  .vr-step::after { display: none; }
  .vr-quotes { grid-template-columns: repeat(2, 1fr); }
  .vr-quote, .vr-quote:nth-child(4), .vr-quote:nth-child(5) { grid-column: auto; }
  .vr-trust .vr-container { grid-template-columns: repeat(2, 1fr); }
  .vr-trust-item { border-right: 0; border-bottom: 1px solid var(--vr-border); padding-left: 0; }
}
@media (max-width: 900px) {
  .vr-hero { padding: 60px 0 68px; }
  .vr-hero .vr-container { grid-template-columns: 1fr; gap: 40px; }
  .vr-section { padding: 60px 0; }
}
@media (max-width: 620px) {
  .vr-grid-4, .vr-why-grid, .vr-steps, .vr-quotes, .vr-trust .vr-container { grid-template-columns: 1fr; }
  .vr-btn { width: 100%; }
  .vr-head { margin-bottom: 30px; }
  .vr-panel { padding: 22px 18px; }
  .vr-faq summary { font-size: 16px; padding: 18px 52px 18px 18px; }
  .vr-faq details p { padding: 0 18px 20px; }
}
@media (prefers-reduced-motion: reduce) {
  .vr-home * { transition: none !important; animation: none !important; }
}

/* =====================================================================
   Footer (component/footer.php)
   ===================================================================== */
.vr-footer { position: relative; overflow: hidden; font-family: var(--vr-font); color: #B9C8E0; line-height: 1.65; background: linear-gradient(180deg, var(--vr-navy-900) 0%, #041630 100%); border-top: 4px solid var(--vr-red); }
.vr-footer *, .vr-footer *::before, .vr-footer *::after { box-sizing: border-box; }
.vr-footer::before { content: ""; position: absolute; right: -200px; top: -240px; width: 560px; height: 560px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 255, 255, .06), rgba(255, 255, 255, 0) 70%); pointer-events: none; }
.vr-footer a { color: #C9D6EA; text-decoration: none; transition: color .2s, transform .2s; }
.vr-footer a:hover { color: #fff; }
.vr-footer ul { list-style: none; margin: 0; padding: 0; }
:where(.vr-footer) :is(h3, p) { margin: 0; }
.vr-footer svg.vr-i { width: 1em; height: 1em; flex: none; }
.vr-footer-grid { position: relative; display: grid; grid-template-columns: 1.5fr 1fr 1.15fr 1.25fr; gap: 48px; padding-top: 72px; padding-bottom: 52px; }
.vr-footer h3 { color: #fff !important; font-size: 17px; font-weight: 700; letter-spacing: .02em; margin-bottom: 22px; padding-bottom: 12px; position: relative; }
.vr-footer h3::after { content: ""; position: absolute; left: 0; bottom: 0; width: 40px; height: 3px; border-radius: 2px; background: var(--vr-red); }
.vr-footer-logo img { width: 250px; max-width: 100%; height: auto; display: block; margin-bottom: 20px; }
.vr-footer-about { font-size: 15px; max-width: 340px; margin-bottom: 22px; }
.vr-badge { display: inline-flex; align-items: center; gap: 10px; padding: 9px 14px; border-radius: 8px; border: 1px solid rgba(255, 255, 255, .18); background: rgba(255, 255, 255, .05); font-size: 13px; color: #E4ECF8; margin-bottom: 22px; }
.vr-badge svg { color: #FF6464; font-size: 20px; }
.vr-social { display: flex; gap: 10px; }
.vr-social a { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 10px; background: rgba(255, 255, 255, .08); color: #fff; font-size: 18px; }
.vr-social a:hover { background: var(--vr-red-btn); transform: translateY(-3px); }
.vr-social svg { width: 1em; height: 1em; }
.vr-footer-links li + li { margin-top: 11px; }
.vr-footer-links a { font-size: 15px; display: inline-block; }
.vr-footer-links a:hover { transform: translateX(4px); }
.vr-contact li { display: flex; gap: 14px; align-items: flex-start; font-size: 15px; }
.vr-contact li + li { margin-top: 16px; }
.vr-contact .vr-ci { flex: none; width: 38px; height: 38px; border-radius: 10px; background: rgba(255, 255, 255, .08); color: #FF6464; display: inline-flex; align-items: center; justify-content: center; font-size: 18px; }
.vr-contact svg { width: 1em; height: 1em; }
.vr-contact a { display: block; }
.vr-footer-bottom { position: relative; border-top: 1px solid rgba(255, 255, 255, .12); padding: 22px 0 26px; }
.vr-footer-bottom .vr-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 28px; font-size: 14px; }
.vr-footer-bottom ul { display: flex; flex-wrap: wrap; gap: 8px 26px; }
.vr-footer-note { margin-top: 14px; font-size: 12.5px; line-height: 1.7; color: #8FA3C4; max-width: 980px; }
@media (max-width: 1000px) { .vr-footer-grid { grid-template-columns: repeat(2, 1fr); gap: 40px; padding-top: 56px; } }
@media (max-width: 620px) { .vr-footer-grid { grid-template-columns: 1fr; gap: 34px; } .vr-footer-bottom .vr-row { flex-direction: column; align-items: flex-start; } }

/* =====================================================================
   Inner service pages (Retirement Planning and other pages in the same style)
   Used inside <main class="vr-home">
   ===================================================================== */
.vr-hero--page { padding: 56px 0 68px; }
.vr-crumbs { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; font-size: 14px; color: #B9C8E0; margin-bottom: 22px; }
.vr-crumbs a { color: #fff; border-bottom: 1px solid rgba(255, 255, 255, .35); }
.vr-crumbs a:hover { border-color: var(--vr-red); }
.vr-crumbs span[aria-hidden] { opacity: .6; }
.vr-hero--page .vr-hero-lead { margin-bottom: 26px; }
.vr-hero-badge { display: inline-flex; align-items: center; gap: 10px; padding: 9px 14px; margin-bottom: 26px; border-radius: 8px; border: 1px solid rgba(255, 255, 255, .22); background: rgba(255, 255, 255, .07); font-size: 13.5px; color: #E4ECF8; }
.vr-hero-badge svg { color: #FF6464; font-size: 18px; }
.vr-hero-photo { position: relative; border-radius: 18px; overflow: visible; }
.vr-hero-photo img { display: block; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 18px; box-shadow: 0 34px 70px -24px rgba(0, 0, 0, .6); border: 4px solid rgba(255, 255, 255, .14); }
.vr-float { position: absolute; left: -18px; bottom: 28px; display: flex; align-items: center; gap: 12px; padding: 14px 18px; background: #fff; border-radius: 12px; box-shadow: 0 20px 40px -18px rgba(0, 0, 0, .5); border-left: 4px solid var(--vr-red); color: var(--vr-text); font-size: 13px; line-height: 1.4; }
.vr-float strong { display: block; color: var(--vr-navy); font-size: 15px; }
.vr-float .vr-tile { width: 42px; height: 42px; font-size: 20px; }

.vr-split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.vr-split p + p { margin-top: 16px; }
.vr-stack { display: grid; gap: 18px; }
.vr-feature { display: flex; gap: 18px; align-items: flex-start; background: #fff; border: 1px solid var(--vr-border); border-left: 4px solid var(--vr-navy); border-radius: 12px; padding: 22px; transition: border-color .2s, transform .2s, box-shadow .2s; }
.vr-feature:hover { border-left-color: var(--vr-red); transform: translateX(4px); box-shadow: 0 18px 34px -22px rgba(8, 42, 84, .5); }
.vr-feature .vr-tile { width: 48px; height: 48px; font-size: 24px; }
.vr-feature h3 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.vr-feature p { font-size: 15px; }

.vr-callout { background: #fff; border: 1px solid var(--vr-border); border-top: 4px solid var(--vr-red); border-radius: 14px; padding: 30px 28px; box-shadow: 0 24px 44px -28px rgba(8, 42, 84, .45); }
.vr-callout .vr-eyebrow { margin-bottom: 18px; }
.vr-calc { display: flex; flex-direction: column; align-items: stretch; gap: 10px; }
.vr-calc > div { background: var(--vr-navy-50); border-radius: 12px; padding: 18px 20px; }
.vr-calc > div:last-child { background: var(--vr-navy); }
.vr-calc small { display: block; font-size: 13px; line-height: 1.4; color: var(--vr-text); margin-bottom: 6px; }
.vr-calc strong { display: block; white-space: nowrap; font-size: 32px; line-height: 1.1; color: var(--vr-navy); font-weight: 800; }
.vr-calc > div:last-child small { color: #C9D6EA; }
.vr-calc > div:last-child strong { color: #fff; }
.vr-calc .vr-arrow { flex: none; align-self: center; color: var(--vr-red-btn); font-size: 28px; display: inline-flex; transform: rotate(90deg); }
.vr-callout .vr-note { font-size: 13px; margin-top: 16px; color: #5B6B82; }

.vr-steps--5 { grid-template-columns: repeat(5, 1fr); gap: 22px; }
.vr-steps--5 .vr-step h3 { font-size: 17px; }
.vr-steps--5 .vr-step p { font-size: 14.5px; }

.vr-cards-5 { display: grid; grid-template-columns: repeat(6, 1fr); gap: 24px; }
.vr-cards-5 > * { grid-column: span 2; }
.vr-cards-5 > *:nth-child(4) { grid-column: 2 / span 2; }
.vr-cards-5 > *:nth-child(5) { grid-column: 4 / span 2; }

.vr-why-item .vr-tile { background: rgba(255, 255, 255, .1); color: #FF6464; margin-bottom: 18px; }
.vr-why-item p { font-size: 15px; }

.vr-figure { margin: 0; border-radius: 16px; overflow: hidden; border: 1px solid var(--vr-border); box-shadow: 0 24px 44px -28px rgba(8, 42, 84, .45); background: #fff; }
.vr-figure img { display: block; width: 100%; height: auto; }

@media (max-width: 1100px) {
  .vr-steps--5 { grid-template-columns: repeat(2, 1fr); }
  .vr-cards-5 { grid-template-columns: repeat(2, 1fr); }
  .vr-cards-5 > *, .vr-cards-5 > *:nth-child(4), .vr-cards-5 > *:nth-child(5) { grid-column: auto; }
}
@media (max-width: 900px) {
  .vr-split { grid-template-columns: 1fr; gap: 36px; }
  .vr-float { left: 12px; bottom: 12px; }
}
@media (max-width: 620px) {
  .vr-steps--5, .vr-cards-5 { grid-template-columns: 1fr; }
  .vr-calc strong { font-size: 26px; }
}

/* =====================================================================
   Insurance pages: extra components
   ===================================================================== */
.vr-home [id] { scroll-margin-top: 120px; }
.vr-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.vr-grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.vr-card .vr-tip { flex: none; margin-top: 16px; padding-top: 14px; border-top: 1px dashed var(--vr-border); font-size: 13.5px; line-height: 1.55; color: #5B6B82; }
.vr-card .vr-tip strong { color: var(--vr-navy); }
.vr-card .vr-tag { display: inline-block; align-self: flex-start; margin-bottom: 12px; padding: 3px 10px; border-radius: 20px; background: var(--vr-navy-50); color: var(--vr-navy); font-size: 12px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }

/* Two big route cards (life / general) */
.vr-paths { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.vr-path { position: relative; overflow: hidden; display: flex; flex-direction: column; gap: 16px; padding: 38px 36px; border-radius: 18px; color: #C9D6EA; background: linear-gradient(135deg, var(--vr-navy-900), var(--vr-navy) 70%, var(--vr-navy-700)); box-shadow: 0 30px 56px -30px rgba(8, 42, 84, .7); border-top: 4px solid var(--vr-red); transition: transform .25s, box-shadow .25s; }
.vr-path:hover { transform: translateY(-6px); box-shadow: 0 40px 64px -30px rgba(8, 42, 84, .8); }
.vr-path::after { content: ""; position: absolute; right: -90px; bottom: -110px; width: 300px; height: 300px; border-radius: 50%; background: radial-gradient(circle, rgba(255, 25, 25, .22), rgba(255, 25, 25, 0) 70%); pointer-events: none; }
.vr-path .vr-tile { background: rgba(255, 255, 255, .1); color: #FF6464; width: 60px; height: 60px; font-size: 30px; }
.vr-path h3 { color: #fff !important; font-size: 26px; font-weight: 800; }
.vr-path p { font-size: 16px; }
.vr-path .vr-checks li { font-size: 15px; color: #E4ECF8; }
.vr-path .vr-btn { align-self: flex-start; margin-top: 8px; position: relative; z-index: 1; }

/* Tick lists */
.vr-checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.vr-checks li { display: flex; gap: 12px; align-items: flex-start; font-size: 16px; }
.vr-checks li::before { content: ""; flex: none; width: 22px; height: 22px; margin-top: 2px; border-radius: 50%; background: var(--vr-red-btn) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center / 12px no-repeat; }

/* Comparison table */
.vr-tablewrap { overflow-x: auto; border-radius: 14px; border: 1px solid var(--vr-border); background: #fff; box-shadow: 0 24px 44px -32px rgba(8, 42, 84, .45); }
.vr-table { width: 100%; min-width: 720px; border-collapse: collapse; }
.vr-table th { background: var(--vr-navy); color: #fff; text-align: left; padding: 15px 18px; font-size: 14px; letter-spacing: .02em; }
.vr-table td { padding: 15px 18px; border-top: 1px solid var(--vr-border); font-size: 15px; vertical-align: top; }
.vr-table tbody tr:nth-child(even) td { background: var(--vr-soft); }
.vr-table td:first-child { font-weight: 700; color: var(--vr-navy); white-space: nowrap; }

.vr-panel-link.vr-plain > .vr-i { display: none; }

@media (max-width: 1100px) {
  .vr-grid-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .vr-paths { grid-template-columns: 1fr; }
  .vr-path { padding: 30px 24px; }
}
@media (max-width: 620px) {
  .vr-grid-3, .vr-grid-2 { grid-template-columns: 1fr; }
}

/* =====================================================================
   Life insurance need calculator
   ===================================================================== */
.vr-calcpage { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 36px; align-items: start; }
.vr-calcpage > * { min-width: 0; }
.vr-fgroup { background: #fff; border: 1px solid var(--vr-border); border-radius: 14px; padding: 26px 26px 10px; margin-bottom: 22px; box-shadow: 0 20px 40px -34px rgba(8, 42, 84, .5); }
.vr-fgroup > h3 { display: flex; align-items: center; gap: 12px; font-size: 18px; font-weight: 700; margin-bottom: 4px; }
.vr-fgroup > h3 .vr-tile { width: 36px; height: 36px; font-size: 18px; border-radius: 9px; }
.vr-ghint { font-size: 14px; margin-bottom: 18px; color: #5B6B82; }
.vr-fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px 20px; margin-bottom: 18px; }
.vr-fields > * { min-width: 0; }
.vr-field label { display: block; font-weight: 600; font-size: 14px; color: var(--vr-navy); margin-bottom: 6px; }
.vr-field .vr-hint { display: block; font-size: 12.5px; color: #6B7A90; margin-top: 5px; line-height: 1.4; }
.vr-field--wide { grid-column: 1 / -1; }
.vr-inwrap { display: flex; align-items: center; background: #fff; border: 1.5px solid #CBD6E6; border-radius: 10px; transition: border-color .2s, box-shadow .2s; }
.vr-inwrap:focus-within { border-color: var(--vr-navy); box-shadow: 0 0 0 4px rgba(8, 42, 84, .12); }
.vr-inwrap input { flex: 1; min-width: 0; border: 0; outline: 0; background: transparent; padding: 13px 14px; font-size: 16px; font-family: inherit; color: var(--vr-ink); }
.vr-inwrap .vr-pre { padding-left: 14px; color: #6B7A90; font-weight: 600; }
.vr-inwrap .vr-pre + input { padding-left: 6px; }
.vr-inwrap .vr-suf { padding-right: 14px; color: #6B7A90; font-weight: 600; font-size: 14px; white-space: nowrap; }
.vr-adv { background: var(--vr-soft); border: 1px solid var(--vr-border); border-radius: 14px; margin-bottom: 22px; }
.vr-adv summary { cursor: pointer; list-style: none; padding: 18px 24px; font-weight: 700; color: var(--vr-navy); display: flex; align-items: center; justify-content: space-between; }
.vr-adv summary::-webkit-details-marker { display: none; }
.vr-adv summary::after { content: "+"; width: 28px; height: 28px; border-radius: 50%; background: #fff; color: var(--vr-red-btn); font-size: 22px; line-height: 28px; text-align: center; border: 1px solid var(--vr-border); }
.vr-adv[open] summary::after { content: "\2212"; background: var(--vr-red-btn); color: #fff; border-color: var(--vr-red-btn); }
.vr-adv .vr-fields { padding: 0 24px; margin-bottom: 0; padding-bottom: 22px; }
.vr-calcbtn { margin-bottom: 8px; }

.vr-result { position: sticky; top: 110px; color: #C9D6EA; background: linear-gradient(135deg, var(--vr-navy-900), var(--vr-navy) 70%, var(--vr-navy-700)); border-radius: 18px; border-top: 4px solid var(--vr-red); padding: 30px 28px; box-shadow: 0 34px 60px -30px rgba(8, 42, 84, .75); }
.vr-result h3 { color: #fff !important; font-size: 13px; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; opacity: .85; margin-bottom: 8px; }
.vr-big { font-size: clamp(34px, 4.2vw, 46px); font-weight: 800; color: #fff; line-height: 1.1; }
.vr-result .vr-sub2 { font-size: 14px; margin-top: 8px; line-height: 1.55; }
.vr-bar { display: flex; height: 14px; border-radius: 8px; overflow: hidden; background: rgba(255, 255, 255, .12); margin: 22px 0 14px; }
.vr-bar span { display: block; height: 100%; transition: width .35s; }
.vr-legend { list-style: none; margin: 0 0 18px; padding: 0; display: grid; gap: 9px; font-size: 14px; }
.vr-legend li { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.vr-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 8px; }
.vr-legend b { color: #fff; font-weight: 600; white-space: nowrap; }
.vr-minirow { display: flex; justify-content: space-between; align-items: baseline; gap: 14px; padding: 14px 0; border-top: 1px solid rgba(255, 255, 255, .14); font-size: 14.5px; }
.vr-minirow small { display: block; font-size: 12.5px; opacity: .8; }
.vr-minirow strong { color: #fff; font-size: 18px; white-space: nowrap; }
.vr-result .vr-btn { width: 100%; margin-top: 10px; }
.vr-result .vr-fine { font-size: 12px; opacity: .75; margin-top: 14px; line-height: 1.55; }
.vr-empty { display: none; padding: 14px 16px; border-radius: 10px; background: rgba(255, 255, 255, .1); font-size: 14px; margin-bottom: 14px; }

.vr-twocol { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.vr-method { background: #fff; border: 1px solid var(--vr-border); border-radius: 14px; padding: 28px; }
.vr-method h3 { font-size: 20px; font-weight: 800; margin-bottom: 6px; }
.vr-method .vr-tag { display: inline-block; margin-bottom: 12px; padding: 3px 10px; border-radius: 20px; background: var(--vr-red-btn); color: #fff; font-size: 12px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }
.vr-method .vr-tag--alt { background: var(--vr-navy-50); color: var(--vr-navy); }
.vr-method ol { margin: 14px 0 0; padding-left: 22px; display: grid; gap: 8px; font-size: 15.5px; }
.vr-method p { font-size: 15.5px; }

@media (max-width: 1000px) {
  .vr-calcpage { grid-template-columns: minmax(0, 1fr); }
  .vr-result { position: static; }
  .vr-twocol { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .vr-fields { grid-template-columns: 1fr; }
  .vr-fgroup { padding: 22px 18px 8px; }
  .vr-adv .vr-fields { padding: 0 18px 20px; }
  .vr-result { padding: 26px 20px; }
}

/* =====================================================================
   Calculators hub (calculators.php)
   ===================================================================== */
.vr-home [hidden] { display: none !important; }
.vr-hero--slim { padding: 46px 0 54px; }
.vr-hero--slim .vr-container { grid-template-columns: 1fr; }
.vr-hero--slim .vr-hero-lead { margin-bottom: 0; max-width: 760px; }
.vr-hero--slim h1 { margin-bottom: 14px; }

.vr-tabs { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 28px; }
.vr-tab { border: 1.5px solid var(--vr-border); background: #fff; color: var(--vr-navy); padding: 10px 20px; border-radius: 30px; font: 700 14.5px/1 var(--vr-font); cursor: pointer; transition: background .2s, color .2s, border-color .2s; }
.vr-tab:hover { border-color: var(--vr-navy); }
.vr-tab.is-on { background: var(--vr-navy); border-color: var(--vr-navy); color: #fff; }

.vr-calcgrid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.vr-ccard { position: relative; display: flex; flex-direction: column; gap: 10px; padding: 22px 20px 20px; background: #fff; border: 1px solid var(--vr-border); border-radius: 14px; color: inherit; overflow: hidden; transition: transform .25s, box-shadow .25s, border-color .25s; }
.vr-ccard::before { content: ""; position: absolute; left: 0; top: 0; width: 100%; height: 4px; background: linear-gradient(90deg, var(--vr-navy), var(--vr-red)); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.vr-ccard:hover { transform: translateY(-5px); box-shadow: 0 22px 36px -24px rgba(8, 42, 84, .5); border-color: var(--vr-navy-100); }
.vr-ccard:hover::before { transform: scaleX(1); }
.vr-ccard:hover .vr-tile { background: var(--vr-red-btn); }
.vr-ccard .vr-tile { width: 46px; height: 46px; font-size: 22px; }
.vr-ccard h3 { font-size: 17px; font-weight: 700; line-height: 1.3; }
.vr-ccard p { font-size: 14px; flex: 1; }
.vr-ccard .vr-more { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: 13.5px; color: var(--vr-red-btn); }
.vr-ccard .vr-cat { font-size: 11.5px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: #6B7A90; }

.vr-chipbar { display: none; align-items: center; gap: 10px; overflow-x: auto; padding: 4px 2px 14px; margin-bottom: 8px; }
.vr-chip { flex: none; display: inline-flex; align-items: center; gap: 8px; border: 1.5px solid var(--vr-border); background: #fff; color: var(--vr-navy) !important; padding: 9px 16px; border-radius: 30px; font: 700 14px/1 var(--vr-font); white-space: nowrap; cursor: pointer; transition: background .2s, color .2s, border-color .2s; }
.vr-chip:hover { border-color: var(--vr-navy); }
.vr-chip.is-on { background: var(--vr-navy); border-color: var(--vr-navy); color: #fff !important; }
.vr-chip svg { width: 16px; height: 16px; }
.vr-chip--all { background: var(--vr-navy-50); }
.calc-open .vr-calcgrid, .calc-open .vr-tabs, .calc-open [data-hub] { display: none !important; }
.calc-open .vr-chipbar { display: flex; }
.calc-open #pick { padding: 30px 0 4px; }

.vr-ws { display: none; }
.calc-open .vr-ws { display: block; }
.vr-ws-head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px; margin-bottom: 22px; }
.vr-ws-head h2 { font-size: clamp(24px, 3vw, 32px); font-weight: 800; }
.vr-ws-head .vr-btn { padding: 10px 18px; font-size: 14px; }
.vr-ws select { flex: 1; min-width: 0; border: 0; outline: 0; background: transparent; padding: 13px 14px; font-size: 16px; font-family: inherit; color: var(--vr-ink); cursor: pointer; }
.vr-card-plain { background: #fff; border: 1px solid var(--vr-border); border-radius: 14px; padding: 24px 24px 18px; margin-bottom: 22px; box-shadow: 0 20px 40px -34px rgba(8, 42, 84, .5); }
.vr-card-plain h3 { font-size: 17px; font-weight: 700; margin-bottom: 14px; }
.vr-chart svg { display: block; width: 100%; height: auto; }
.vr-chart-key { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 10px; font-size: 13.5px; }
.vr-chart-key i { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 8px; }
.vr-donutwrap { display: flex; align-items: center; gap: 20px; margin: 20px 0 6px; }
.vr-donutwrap svg { width: 118px; height: 118px; flex: none; }
.vr-donutwrap .vr-legend { margin: 0; flex: 1; }
.vr-ws .vr-tablewrap { box-shadow: none; }
.vr-ws .vr-table { min-width: 0; }
.vr-ws .vr-table td:first-child { white-space: normal; }
.vr-ws .vr-table th, .vr-ws .vr-table td { padding: 11px 14px; font-size: 14px; }
.vr-sumtable { display: grid; gap: 0; }
.vr-note2 { font-size: 13px; color: #5B6B82; margin-top: 4px; line-height: 1.6; }
.vr-link-note { margin-top: 12px; font-size: 13.5px; }
.vr-link-note a { color: #fff; border-bottom: 1px solid rgba(255, 255, 255, .5); }

@media (max-width: 1100px) { .vr-calcgrid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 800px) { .vr-calcgrid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .vr-ws .vr-table th, .vr-ws .vr-table td { white-space: nowrap; padding: 10px 12px; } }
@media (max-width: 520px) { .vr-calcgrid { grid-template-columns: 1fr; } .vr-hero--slim { padding: 38px 0 44px; } .vr-donutwrap { flex-direction: column; align-items: flex-start; } }

/* =====================================================================
   Header (component/header.php)
   ===================================================================== */
html.vr-lock, html.vr-lock body { overflow: hidden; }
html.vr-lock .whatsapp_main { display: none; }
.vr-skip { position: absolute; left: -9999px; top: 8px; z-index: 100001; background: var(--vr-navy); color: #fff; padding: 10px 16px; border-radius: 8px; font-weight: 700; }
.vr-skip:focus { left: 12px; }

.vr-header { position: sticky; top: -40px; z-index: 1000; background: #fff; font-family: var(--vr-font); }
.vr-header *, .vr-header *::before, .vr-header *::after,
.vr-drawer *, .vr-drawer *::before, .vr-drawer *::after { box-sizing: border-box; }
.vr-header a, .vr-drawer a { text-decoration: none; }
.vr-header ul, .vr-drawer ul { list-style: none; margin: 0; padding: 0; }
.vr-header svg, .vr-drawer svg { flex: none; }
.vr-wrap { width: 100%; max-width: 1320px; margin: 0 auto; padding: 0 24px; }

/* top info strip */
.vr-strip { height: 40px; background: var(--vr-navy-900); color: #C9D6EA; font-size: 13.5px; }
.vr-strip .vr-wrap { display: flex; align-items: center; justify-content: space-between; height: 40px; gap: 18px; }
.vr-strip a { display: inline-flex; align-items: center; gap: 8px; color: #C9D6EA; transition: color .2s; white-space: nowrap; }
.vr-strip a:hover { color: #fff; }
.vr-strip a svg { color: #FF6464; }
.vr-strip-left, .vr-strip-right { display: flex; align-items: center; gap: 20px; }
.vr-strip-mid { display: flex; justify-content: center; }
.vr-strip-sep { width: 1px; height: 16px; background: rgba(255, 255, 255, .2); }
.vr-arn { display: inline-flex; align-items: center; gap: 8px; padding: 4px 14px; border: 1px solid rgba(255, 255, 255, .24); border-radius: 20px; background: rgba(255, 255, 255, .07); color: #E4ECF8; font-size: 12.5px; font-weight: 600; letter-spacing: .02em; white-space: nowrap; }
.vr-arn svg { color: #FF6464; }
.vr-arn strong { color: #fff; }
.vr-arn-short, .vr-arn-sep { display: none; }
.vr-hsocial { display: inline-flex; gap: 8px; }
.vr-header .vr-hsocial a, .vr-drawer .vr-hsocial a { display: inline-flex; align-items: center; justify-content: center; width: 28px; height: 28px; border-radius: 50%; background: rgba(255, 255, 255, .1); color: #fff; transition: background .2s, transform .2s; }
.vr-hsocial a:hover { background: var(--vr-red-btn); transform: translateY(-2px); }

/* main bar */
.vr-hbar { background: #fff; border-bottom: 1px solid var(--vr-border); transition: box-shadow .25s; }
.vr-header.is-scrolled .vr-hbar { box-shadow: 0 14px 30px -20px rgba(8, 42, 84, .55); }
.vr-hbar .vr-wrap { display: flex; align-items: center; justify-content: space-between; height: 78px; gap: 22px; }
.vr-logo { flex: none; display: block; }
.vr-logo img { display: block; height: 44px; width: auto; }
.vr-nav { display: flex; align-items: center; gap: 2px; }
.vr-nav > li { position: relative; }
.vr-nav-link { position: relative; display: inline-flex; align-items: center; gap: 6px; padding: 12px 13px; border: 0; background: none; border-radius: 8px; font: 600 15px/1 var(--vr-font); color: var(--vr-navy); cursor: pointer; white-space: nowrap; transition: color .2s; }
.vr-nav-link::after { content: ""; position: absolute; left: 13px; right: 13px; bottom: 3px; height: 3px; border-radius: 2px; background: var(--vr-red); transform: scaleX(0); transform-origin: left; transition: transform .25s; }
.vr-nav-link:hover, .vr-has-menu.is-open > .vr-nav-link, .vr-has-menu:hover > .vr-nav-link { color: var(--vr-red-btn); }
.vr-nav-link:hover::after, .vr-has-menu:hover > .vr-nav-link::after, .vr-has-menu.is-open > .vr-nav-link::after, .vr-nav-link.is-active::after, .vr-has-menu.is-active > .vr-nav-link::after { transform: scaleX(1); }
.vr-nav-link svg { transition: transform .2s; }
.vr-has-menu:hover > .vr-nav-link svg, .vr-has-menu.is-open > .vr-nav-link svg { transform: rotate(180deg); }
.vr-nav-link:focus-visible, .vr-hbtn:focus-visible, .vr-iconbtn:focus-visible { outline: 3px solid rgba(8, 42, 84, .35); outline-offset: 2px; }

.vr-mega { position: absolute; left: -14px; top: 100%; padding-top: 12px; opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .2s, transform .2s, visibility .2s; z-index: 60; }
.vr-has-menu:hover > .vr-mega, .vr-has-menu.is-open > .vr-mega, .vr-has-menu:focus-within > .vr-mega { opacity: 1; visibility: visible; transform: none; }
.vr-mega-inner { min-width: 280px; background: #fff; border: 1px solid var(--vr-border); border-top: 4px solid var(--vr-red); border-radius: 0 0 14px 14px; box-shadow: 0 34px 60px -28px rgba(8, 42, 84, .6); padding: 24px 26px 0; overflow: hidden; }
.vr-mega-cols { display: grid; grid-auto-flow: column; gap: 36px; }
.vr-mega-col { min-width: 220px; }
.vr-mega-col h4 { margin: 0 0 12px; font: 700 11.5px/1 var(--vr-font); letter-spacing: .14em; text-transform: uppercase; color: #6B7A90; }
.vr-mega-col a { display: block; margin: 0 -10px; padding: 8px 10px; border-radius: 8px; color: var(--vr-ink); font-size: 14.5px; font-weight: 600; line-height: 1.35; transition: background .15s, color .15s, padding .15s; }
.vr-mega-col a:hover { background: var(--vr-navy-50); color: var(--vr-red-btn); padding-left: 15px; }
.vr-mega-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin: 20px -26px 0; padding: 14px 26px; background: var(--vr-navy-50); border-top: 1px solid var(--vr-border); color: var(--vr-navy); font-size: 13.5px; font-weight: 700; transition: color .2s; }
.vr-mega-foot svg { color: var(--vr-red-btn); transition: transform .2s; }
.vr-mega-foot:hover { color: var(--vr-red-btn); }
.vr-mega-foot:hover svg { transform: translateX(4px); }

.vr-actions { display: flex; align-items: center; gap: 10px; flex: none; }
.vr-hbtn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 20px; border-radius: 9px; background: var(--vr-red-btn); color: #fff !important; font: 700 14.5px/1 var(--vr-font); box-shadow: 0 10px 22px -12px rgba(227, 21, 28, .85); transition: background .2s, transform .2s; white-space: nowrap; }
.vr-hbtn:hover { background: var(--vr-red-dark); transform: translateY(-2px); }
.vr-hbtn--block { display: flex; width: 100%; margin-top: 6px; }
.vr-iconbtn { display: none; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 12px; border: 1.5px solid var(--vr-border); background: #fff; color: var(--vr-navy); cursor: pointer; transition: background .2s, border-color .2s; }
.vr-iconbtn:hover { border-color: var(--vr-navy); }
.vr-iconbtn--red { background: var(--vr-red-btn); border-color: var(--vr-red-btn); color: #fff; }
.vr-iconbtn--red:hover { background: var(--vr-red-dark); border-color: var(--vr-red-dark); }

/* mobile menu */
.vr-drawer { position: fixed; inset: 0; z-index: 100000; visibility: hidden; pointer-events: none; font-family: var(--vr-font); }
.vr-drawer.is-open { visibility: visible; pointer-events: auto; }
.vr-drawer-backdrop { position: absolute; inset: 0; background: rgba(5, 29, 59, .62); backdrop-filter: blur(3px); opacity: 0; transition: opacity .3s; }
.vr-drawer.is-open .vr-drawer-backdrop { opacity: 1; }
.vr-drawer-panel { position: absolute; top: 0; right: 0; bottom: 0; width: min(92vw, 400px); display: flex; flex-direction: column; background: #fff; transform: translateX(100%); transition: transform .32s cubic-bezier(.2, .8, .2, 1); box-shadow: -30px 0 60px -30px rgba(0, 0, 0, .55); }
.vr-drawer.is-open .vr-drawer-panel { transform: none; }
.vr-drawer-head { display: flex; align-items: center; justify-content: space-between; padding: 12px 16px; border-bottom: 1px solid var(--vr-border); }
.vr-drawer-head img { display: block; height: 36px; width: auto; }
.vr-drawer-body { flex: 1; overflow-y: auto; -webkit-overflow-scrolling: touch; padding: 16px 18px 32px; }
.vr-darn { display: flex; align-items: center; gap: 12px; padding: 12px 14px; margin-bottom: 14px; border-radius: 12px; background: var(--vr-navy-50); border: 1px solid var(--vr-navy-100); color: var(--vr-text); font-size: 12.5px; line-height: 1.4; }
.vr-darn svg { color: var(--vr-red-btn); }
.vr-darn strong { display: block; color: var(--vr-navy); font-size: 14.5px; }
.vr-dquick { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 8px; }
.vr-dquick a { display: flex; align-items: center; justify-content: center; gap: 8px; padding: 13px; border-radius: 10px; color: #fff; font-weight: 700; font-size: 14.5px; }
.vr-dquick .is-call { background: var(--vr-navy); }
.vr-dquick .is-wa { background: #17924A; }
.vr-acc { border-bottom: 1px solid var(--vr-border); }
.vr-acc summary { display: flex; align-items: center; justify-content: space-between; padding: 16px 4px; cursor: pointer; list-style: none; font-weight: 700; font-size: 16.5px; color: var(--vr-navy); }
.vr-acc summary::-webkit-details-marker { display: none; }
.vr-acc summary svg { color: var(--vr-red-btn); transition: transform .2s; }
.vr-acc[open] summary svg { transform: rotate(180deg); }
.vr-acc-body { padding: 0 4px 14px; }
.vr-acc-body h4 { margin: 12px 0 6px; font: 700 11px/1 var(--vr-font); letter-spacing: .14em; text-transform: uppercase; color: #6B7A90; }
.vr-acc-body a { display: block; margin: 0 -8px; padding: 10px 12px; border-radius: 8px; color: var(--vr-ink); font-weight: 600; font-size: 15px; }
.vr-acc-body a:hover, .vr-acc-body a.is-active { background: var(--vr-navy-50); color: var(--vr-red-btn); }
.vr-dlink { display: block; padding: 16px 4px; border-bottom: 1px solid var(--vr-border); font-weight: 700; font-size: 16.5px; color: var(--vr-navy); }
.vr-dtiles { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 18px 0 14px; }
.vr-dtiles a { display: flex; flex-direction: column; gap: 10px; padding: 14px; border-radius: 12px; background: var(--vr-navy-50); border: 1px solid var(--vr-border); color: var(--vr-navy); font-weight: 700; font-size: 14px; line-height: 1.3; }
.vr-dtiles a svg { color: var(--vr-red-btn); }
.vr-hcontact { margin: 20px 0 16px; display: grid; gap: 14px; }
.vr-hcontact li { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; color: var(--vr-text); line-height: 1.5; }
.vr-hcontact li > svg { margin-top: 3px; color: var(--vr-red-btn); }
.vr-hcontact a { display: block; color: var(--vr-ink); font-weight: 600; }
.vr-drawer .vr-hsocial--drawer a { background: var(--vr-navy); width: 38px; height: 38px; }
.vr-hsocial--drawer { margin-top: 4px; }

/* tablet and phone: swap the two bars for a compact bar and the slide-in menu */
@media (max-width: 1199px) {
  .vr-header { top: 0; }
  .vr-strip, .vr-nav, .vr-hbtn:not(.vr-hbtn--block) { display: none; }
  .vr-hbar .vr-wrap { height: 66px; padding: 0 16px; }
  .vr-logo img { height: 38px; }
  .vr-iconbtn { display: inline-flex; }
}
@media (min-width: 1200px) { .vr-drawer { display: none; } }
@media (max-width: 1349px) { .vr-strip-email { display: none; } .vr-arn-long { display: none; } .vr-arn-short, .vr-arn-sep { display: inline; } }
@media (min-width: 1200px) and (max-width: 1349px) { .vr-hsocial { display: none; } }
@media (min-width: 1200px) and (max-width: 1439px) {
  .vr-hbar .vr-wrap { gap: 14px; }
  .vr-logo img { height: 38px; }
  .vr-nav-link { padding: 12px 9px; font-size: 14px; }
  .vr-nav-link::after { left: 9px; right: 9px; }
  .vr-hbtn { padding: 12px 15px; font-size: 14px; }
}