/* fbarindia design */
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--paper);line-height:var(--lh,1.7);font-size:var(--fs,17px)}
img{max-width:100%;height:auto}
a{color:var(--link)}
h1,h2,h3,.logo{font-family:var(--font-head)}
.wrap{max-width:var(--maxw,1080px);margin:0 auto;padding:0 20px}

/* Sponsor banner */
.ad-banner{background:var(--ad-bg,var(--soft));border-top:4px solid var(--ad-top,var(--brand));border-bottom:1px solid var(--line);font-size:15px;font-family:var(--font-ui,var(--font-body))}
.ad-banner .wrap{display:block;padding:18px 20px 22px}
.ad-banner .ad-head{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:12px}
.ad-banner .label{margin:0;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:var(--r-sm,4px);padding:2px 8px}
.ad-banner .ad-note{color:var(--muted);font-size:14px}
.ad-banner .ad-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.ad-banner a.ad{display:flex;flex-direction:column;gap:6px;min-width:0;padding:16px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--ad-card-top,var(--brand-2));border-radius:var(--r-card,8px);color:var(--ink);text-decoration:none;box-shadow:0 1px 3px rgba(0,0,0,.06)}
.ad-banner a.ad:hover,.ad-banner a.ad:focus-visible{border-color:var(--brand);box-shadow:0 4px 12px rgba(0,0,0,.14)}
.ad-banner .ad-name{font-size:19px;font-weight:800;color:var(--brand);overflow-wrap:anywhere}
.ad-banner .ad-tag{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
.ad-banner .ad-desc{font-size:14.5px;line-height:1.5}
.ad-banner .ad-cta{margin-top:auto;padding-top:6px;font-weight:700;color:var(--link)}
@media (max-width:1000px){.ad-banner .ad-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){
  .ad-banner .ad-grid{grid-template-columns:1fr;gap:10px}
  .ad-banner a.ad{padding:12px 14px;gap:4px}
  .ad-banner .ad-name{font-size:17px}
  .ad-banner .ad-desc{font-size:14px;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
  .ad-banner .ad-cta{padding-top:2px}
}

/* Header */
header.site-header{border-bottom:1px solid var(--line);background:var(--hdr-bg,var(--paper))}
header.site-header .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:18px;padding-bottom:18px;flex-wrap:wrap;gap:10px}
.logo{font-weight:800;font-size:22px;color:var(--brand);text-decoration:none}
.phone-img{height:34px;width:auto;margin-left:auto}
nav.main{display:flex;flex-wrap:wrap;align-items:center;gap:6px 18px}
nav.main a{color:var(--ink);text-decoration:none;font-weight:500}
nav.main a:hover{color:var(--link)}
.policy-btn{background:#fff;border:2px solid currentColor;border-radius:6px;padding:6px 12px;font-weight:700}
nav.main a.policy-btn{color:var(--brand)}

/* Hero */
.hero{background:var(--hero-bg);color:var(--hero-ink,#fff);padding:80px 0 72px}
.hero h1{font-size:44px;line-height:1.15;margin:0 0 16px;max-width:760px}
.hero p{font-size:20px;max-width:680px}
.btn{display:inline-block;margin-top:12px;background:var(--btn-bg,#fff);color:var(--btn-ink,var(--brand));padding:12px 22px;border-radius:var(--r-btn,8px);font-weight:700;text-decoration:none}

/* Sections */
section{padding:56px 0}
section.alt{background:var(--soft)}
h2{font-size:30px;margin:0 0 14px;line-height:1.25}
h3{font-size:20px;margin:22px 0 8px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-card,12px);padding:22px}
.card h3{margin-top:0}
.card a.more,a.more{font-weight:700;text-decoration:none}

/* Articles */
article.post,article.note{max-width:760px;margin:0 auto;padding:48px 20px 64px}
article.post h1,article.note h1{font-size:38px;line-height:1.2;margin:0 0 12px}
.meta{color:var(--muted);font-size:15px;margin-bottom:28px}
article.post h2,article.note h2{margin-top:40px}
article.post ul,article.post ol,article.note ul,article.note ol{padding-left:22px}
article.post li,article.note li{margin-bottom:8px}
.callout{border-left:4px solid var(--brand-2);background:var(--soft);padding:16px 20px;border-radius:6px;margin:24px 0}
.disclaimer{font-size:14px;color:var(--muted);margin-top:40px;border-top:1px solid var(--line);padding-top:16px}
table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft)}
.box{border-radius:6px;padding:14px 18px;margin:22px 0;font-size:16px;line-height:1.6;background:#f1f5f9}
.box .tag{font-weight:800;text-transform:uppercase;font-size:12px;letter-spacing:.08em;display:block;margin-bottom:4px}
.box.tip{background:#e3f4e8}
.box.warn{background:#fde6e1}
.box.key{background:#fff3b0}
.faq details{border:1px solid var(--line);border-radius:6px;padding:12px 16px;margin:10px 0;background:#fff}
.faq summary{font-weight:700;cursor:pointer}
.faq details p{margin:10px 0 0}

/* Notebook-style index (also used by any site that has it) */
.intro{padding:40px 0 16px}
.intro h1{font-size:40px;line-height:1.2;margin:0 0 10px}
.intro p{color:var(--muted);margin:0}
.topics{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;padding:8px 0 40px}
.topic{background:#fff;border:1px solid var(--line);border-radius:8px;padding:20px}
.topic h3{margin:0 0 6px}
.news-item{background:#fff;border:1px solid var(--line);border-left:5px solid var(--brand-2);border-radius:6px;padding:16px 20px;margin:16px 0}
.news-item .date{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.news-item h3{margin:4px 0 8px}

/* Footer */
footer.site-footer{background:var(--ftr-bg);color:var(--ftr-ink);padding:40px 0;font-size:15px}
footer.site-footer a{color:#fff}
footer.site-footer .links a{margin-right:16px}

@media (max-width:640px){
  .hero{padding:52px 0 48px}
  .hero h1{font-size:32px}
  article.post h1,article.note h1,.intro h1{font-size:30px}
  nav.main{gap:6px 12px}
  table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
}
a:focus-visible,summary:focus-visible{outline:3px solid var(--focus,#f5a300);outline-offset:2px}
/* ---- Sliders: questions and Did you know ---- */
.sl-section{padding:56px 0}
.sl-intro{color:var(--muted);margin:0 0 18px;max-width:720px}
.slider{position:relative}
.sl-track{display:flex;align-items:stretch;gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;-webkit-overflow-scrolling:touch;padding:8px 6px 18px;margin:0 -6px;scrollbar-width:none}
.sl-track::-webkit-scrollbar{display:none}
.sl-track:focus-visible{outline:3px solid var(--focus,#f5a300);outline-offset:2px}
.slide{scroll-snap-align:start;min-width:0}
.qslider .slide{flex:0 0 calc((100% - 36px)/3)}
.dslider .slide{flex:0 0 100%}
@media (max-width:900px){.qslider .slide{flex-basis:calc((100% - 18px)/2)}}
@media (max-width:600px){.qslider .slide{flex-basis:88%}}
.sl-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-card,12px);padding:24px 22px 20px}
.sl-num{font-size:13px;font-weight:700;letter-spacing:.1em;color:var(--brand);opacity:.8}
.sl-card h3{font-size:21px;line-height:1.25;margin:8px 0 10px;color:var(--brand)}
.sl-card p{margin:0 0 14px;font-size:16px;line-height:1.6;display:-webkit-box;-webkit-line-clamp:8;-webkit-box-orient:vertical;overflow:hidden}
.sl-card a.more{margin-top:auto}
.sl-ctrl{display:flex;align-items:center;gap:10px;margin-top:4px;flex-wrap:wrap}
.sl-ctrl button{font:inherit;font-weight:700;min-width:44px;height:44px;padding:0 14px;border:2px solid var(--brand);background:#fff;color:var(--brand);border-radius:var(--r-btn,8px);cursor:pointer;line-height:1}
.sl-ctrl button:hover{background:var(--brand);color:#fff}
.sl-ctrl .sl-count{font-size:14px;color:var(--muted);min-width:64px;text-align:center;font-variant-numeric:tabular-nums}
.sl-ctrl .sl-play{margin-left:auto;font-size:14px}
.dyk-panel{background:var(--dyk-bg,var(--brand));color:var(--dyk-ink,#fff);border-radius:var(--r-card,12px);padding:40px clamp(20px,5vw,60px) 26px;position:relative;overflow:hidden}
.dyk-label{display:inline-block;font-size:13px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--dyk-accent,#ffe08a);margin-bottom:14px}
.dyk-slide p.dyk-text{font-family:var(--font-head);font-size:clamp(20px,2.7vw,30px);line-height:1.35;margin:0 0 16px;max-width:900px}
.dyk-slide .dyk-src{font-size:14px;opacity:.92}
.dyk-slide .dyk-src a{color:inherit;text-decoration:underline;text-underline-offset:3px}
.dyk-panel .sl-ctrl button{background:transparent;border-color:rgba(255,255,255,.75);color:#fff}
.dyk-panel .sl-ctrl button:hover{background:#fff;color:var(--dyk-bg,var(--brand))}
.dyk-panel .sl-count{color:rgba(255,255,255,.85)}
.dyk-panel .sl-track{padding-bottom:10px}
.dyk-mark{position:absolute;right:clamp(10px,3vw,40px);top:-18px;font-family:var(--font-head);font-size:clamp(120px,18vw,220px);line-height:1;font-weight:800;opacity:.09;pointer-events:none;user-select:none}
@media (prefers-reduced-motion:reduce){.sl-track{scroll-behavior:auto}}
.conv{background:var(--soft);border:1px solid var(--line);border-radius:var(--r-card,12px);padding:20px 22px;margin:22px 0}
.conv label{display:block;font-weight:700;margin:12px 0 6px}
.conv select,.conv textarea,.conv input{font:inherit;width:100%;max-width:420px;padding:10px 12px;border:1px solid var(--muted);border-radius:6px;background:#fff;color:var(--ink)}
.conv textarea{min-height:110px;max-width:520px}
.conv .conv-out{margin-top:16px}
.conv .conv-out table{max-width:520px}
.conv .conv-note{font-size:14px;color:var(--muted);margin-top:10px}
.conv .conv-total{font-weight:800}
.conv button{font:inherit;font-weight:700;margin-top:14px;padding:11px 20px;border:2px solid var(--brand);background:var(--brand);color:#fff;border-radius:var(--r-btn,8px);cursor:pointer}
.qsearch{margin:10px 0 6px}
.qsearch input{font:inherit;width:100%;max-width:520px;padding:12px 14px;border:2px solid var(--brand);border-radius:6px}
.qtoc{display:flex;flex-wrap:wrap;gap:8px 18px;margin:12px 0 22px;padding:0;list-style:none}
.qtoc a{font-weight:600}
.qcount{font-size:14px;color:var(--muted)}
.faq details[hidden]{display:none}
h2.dyk-label{font-size:13px;margin:0 0 14px;padding:0;border:0;display:inline-block;text-transform:uppercase;letter-spacing:.14em;line-height:1.2;color:var(--dyk-accent,#ffe08a);font-family:var(--font-body)}
h2.dyk-label::before{display:none}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.callout a{font-weight:700}
:root{
  --ink:#17261f;--muted:#4d5f55;--paper:#ffffff;--soft:#f3f7f4;--brand:#1f4d3a;--brand-2:#2e7d5b;--link:#17613f;
  --accent:#b8860b;--line:#cfdcd3;--font-head:"Source Serif 4",Georgia,"Times New Roman",serif;
  --font-body:"Noto Sans","Segoe UI",system-ui,Arial,sans-serif;--fs:17px;--lh:1.7;--r-card:6px;--r-btn:6px;--r-sm:4px;
  --ad-bg:#f3f7f4;--ad-top:#1f4d3a;--ad-card-top:#b8860b;--hero-bg:#e7f1ea;--hero-ink:#1f4d3a;--btn-bg:#1f4d3a;--btn-ink:#fff;
  --ftr-bg:#1f4d3a;--ftr-ink:#d4e6da;--maxw:1060px
}
header.site-header{border-bottom:2px solid var(--brand)}
.logo{font-family:var(--font-head);font-weight:700;font-size:26px;color:var(--brand)}
nav.main{font-size:15px}
nav.main a{font-weight:600}
nav.main a.policy-btn{border-radius:0;border:2px solid var(--brand)}
.hero{background:linear-gradient(#e7f1ea,#e7f1ea);border-bottom:2px solid var(--brand);color:var(--brand);padding:72px 0 64px;position:relative}
.hero h1{font-weight:700;font-size:46px;max-width:800px;color:var(--brand)}
.hero p{color:#2a5a45}
.btn{border:2px solid var(--brand);box-shadow:4px 4px 0 var(--accent)}
.btn:hover{background:#fff;color:var(--brand)}
section{padding:60px 0}
section.alt{background:var(--soft)}
h2{font-weight:700;color:var(--brand);border-left:8px solid var(--accent);padding-left:14px}
h3{font-weight:700}
.card{border:1px solid var(--brand);border-top:34px solid var(--brand);position:relative;padding:20px 22px 22px}
.card h3{color:var(--brand);font-size:21px}
.card::before{content:"Part";position:absolute;top:-27px;left:14px;font:600 11px/1 var(--font-body);letter-spacing:.14em;text-transform:uppercase;color:#fff}
.grid{counter-reset:p}
.card{counter-increment:p}
.card::before{content:"Part " counter(p,upper-roman)}
a.more{color:var(--link);text-transform:uppercase;font-size:13px;letter-spacing:.06em}
.meta{font-size:14px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:12px}
article.post h1{font-weight:700;color:var(--brand);font-size:40px}
article.post h2{font-size:27px}
.box{border-radius:0;border:1px solid var(--brand);background:#f6f7fb}
.box .tag{background:var(--brand);color:#fff;display:table;padding:2px 8px;margin-bottom:8px}
.box.warn{background:#fff3e4;border-color:#c25f00}.box.warn .tag{background:#c25f00}
.box.tip{background:#eaf5ec;border-color:#2e7d5b}.box.tip .tag{background:#2e7d5b}
.box.key{background:#fff9d6;border-color:#8a7500}.box.key .tag{background:#6e5d00}
.callout{border-left:6px solid var(--accent);border-radius:0}
table{border:1px solid var(--brand)}
th{background:var(--brand);color:#fff}
td,th{border:1px solid var(--line)}
.faq details{border:1px solid var(--brand);border-radius:0}
.ad-banner a.ad{border-radius:0}
.ad-banner .ad-name{font-family:var(--font-head)}
footer.site-footer{border-top:6px solid;border-image:linear-gradient(90deg,#b8860b 0 33.33%,#ffffff 33.33% 66.66%,#2e7d5b 66.66% 100%) 1}
@media (max-width:640px){.hero h1{font-size:32px}article.post h1{font-size:30px}}
.sl-card{border:1px solid var(--brand);border-top:34px solid var(--brand);border-radius:0;position:relative;padding:18px 22px 20px}
.sl-card .sl-num{position:absolute;top:-27px;left:14px;color:#fff;opacity:1;font-size:11px;letter-spacing:.14em;text-transform:uppercase}
.sl-card h3{font-size:21px}
.dyk-panel{--dyk-bg:#1f4d3a;--dyk-accent:#ffbb66;border-radius:0;border-top:6px solid;border-image:linear-gradient(90deg,#b8860b 0 33.33%,#ffffff 33.33% 66.66%,#2e7d5b 66.66% 100%) 1;background:#1f4d3a}
.sl-ctrl button{border-radius:0}

/* ---- cpafornfp additions ---- */
.r{text-align:right;font-variant-numeric:tabular-nums}
.hero{background:var(--hero-bg);border-bottom:3px solid var(--brand)}
.hero h1{font-size:42px}
fieldset{border:1px solid var(--line);border-radius:6px;margin:14px 0;padding:12px 18px 8px;background:#fff}
fieldset legend{padding:0 6px;font-size:16px;line-height:1.4}
fieldset label{display:block;margin:8px 0;cursor:pointer;font-weight:400}
#scout{margin-top:18px}
#scout[hidden]{display:none}
#scout h3{margin:0 0 6px}
#scout ul{margin:8px 0 0;padding-left:20px}
article.post table th:first-child{white-space:nowrap}
@media (max-width:640px){.hero h1{font-size:30px}}