:root{
    --navy:#1C49BF;
    --navy-soft:#2A6FCA;
    --brass:#2A6FCA;
    --brass-light:#3FD1E8;
    --paper:#FFFFFF;
    --paper-dim:#EAF4FB;
    --ink:#122040;
    --ink-soft:#51617E;
    --line:#D7E6F5;
    --white:#FFFFFF;
    --ease:cubic-bezier(0.22, 1, 0.36, 1);
    --ease-soft:cubic-bezier(0.16, 1, 0.3, 1);
    --radius:14px;
    --radius-sm:8px;
  }
  *{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    *{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;}
  }
  body{
    font-family:'Inter',sans-serif;
    color:var(--ink);
    background:var(--paper);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
    -moz-osx-font-smoothing:grayscale;
  }
  h1,h2,h3,h4{
    font-family:'Fraunces',serif;
    font-weight:500;
    line-height:1.08;
    letter-spacing:-0.01em;
    color:var(--navy);
  }
  a{color:inherit;text-decoration:none;}
  img{max-width:100%;display:block;}
  .wrap{max-width:1180px;margin:0 auto;padding:0 32px;}
  .btn{
    display:inline-flex;align-items:center;gap:8px;
    padding:15px 28px;border-radius:100px;
    font-weight:600;font-size:0.95rem;
    border:1px solid transparent;
    cursor:pointer;
    transition:transform .45s var(--ease), background .3s var(--ease), color .3s var(--ease), box-shadow .45s var(--ease), border-color .3s var(--ease);
    will-change:transform;
  }
  .btn:hover{transform:translateY(-2px);}
  .btn:active{transform:translateY(0) scale(0.98);}
  .btn-brass{background:var(--brass);color:var(--white);box-shadow:0 1px 2px rgba(28,73,191,0.15);}
  .btn-brass:hover{background:var(--navy-soft);box-shadow:0 10px 24px rgba(28,73,191,0.28);}
  .btn-outline{border-color:rgba(255,255,255,0.4);color:var(--paper);}
  .btn-outline:hover{background:rgba(255,255,255,0.1);border-color:rgba(255,255,255,0.7);}
  .btn-outline-dark{border-color:var(--navy);color:var(--navy);}
  .btn-outline-dark:hover{background:var(--navy);color:var(--paper);box-shadow:0 10px 24px rgba(28,73,191,0.18);}

  /* HEADER */
  header{
    background:var(--paper);
    padding:16px 0;
    position:sticky;top:0;z-index:50;
    box-shadow:0 1px 0 var(--line);
    transition:padding .3s var(--ease), box-shadow .3s var(--ease);
  }
  .scroll-progress{
    position:absolute;top:0;left:0;right:0;height:3px;
    background:transparent;overflow:hidden;
  }
  .scroll-progress-bar{
    height:100%;width:0%;
    background:linear-gradient(90deg, var(--navy), var(--brass-light));
    transition:width .08s linear;
  }
  header.scrolled{
    padding:12px 0;
    background:var(--paper);
    box-shadow:0 1px 0 var(--line), 0 8px 24px rgba(18,32,64,0.06);
  }
  header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;}
  .logo .brand-mark{height:40px;width:auto;display:block;transition:height .3s var(--ease);}
  header.scrolled .logo .brand-mark{height:34px;}
  .footer-logo-mark{height:32px;width:auto;display:block;margin-bottom:12px;}
  nav{position:relative;}
  .nav-pill{
    position:absolute;top:50%;left:0;
    height:36px;width:0;
    background:var(--paper-dim);
    border-radius:100px;
    transform:translateY(-50%);
    opacity:0;
    transition:left .3s var(--ease), width .3s var(--ease), opacity .2s var(--ease);
    z-index:0;
    pointer-events:none;
  }
  nav ul{list-style:none;display:flex;gap:36px;align-items:center;position:relative;z-index:1;}
  nav ul > li{position:relative;}
  nav a{
    position:relative;
    color:var(--ink);font-size:0.92rem;font-weight:500;
    padding:8px 4px;
    display:inline-block;
    transition:color .2s var(--ease);
  }
  nav a::after{
    content:'';position:absolute;left:4px;bottom:2px;
    width:0;height:2px;background:var(--brass-light);
    transition:width .35s var(--ease);
  }
  nav a:hover{color:var(--navy);}
  nav a:hover::after{width:calc(100% - 8px);}
  nav a.active{color:var(--navy);font-weight:600;}

  /* Services dropdown */
  .nav-dropdown-item{padding-bottom:4px;}
  .nav-dropdown-item > a{
    display:inline-flex;align-items:center;gap:5px;
  }
  .nav-chevron{
    width:9px;height:9px;flex-shrink:0;
    color:currentColor;opacity:0.6;
  }
  .nav-dropdown{
    position:absolute;top:calc(100% + 6px);left:50%;
    transform:translateX(-50%) translateY(-6px);
    background:var(--paper);border:1px solid var(--line);border-radius:var(--radius-sm);
    box-shadow:0 16px 40px rgba(18,32,64,0.12);
    padding:10px;min-width:220px;
    display:flex;flex-direction:column;gap:2px;
    opacity:0;visibility:hidden;pointer-events:none;
    transition:opacity .25s var(--ease), transform .25s var(--ease);
    z-index:10;
  }
  .nav-dropdown a{
    padding:10px 14px;border-radius:6px;font-size:0.9rem;font-weight:500;
    white-space:nowrap;
  }
  .nav-dropdown a::after{display:none;}
  .nav-dropdown a:hover{background:var(--paper-dim);color:var(--navy);}
  @media(min-width:860px){
    .nav-dropdown-item:hover .nav-dropdown{
      opacity:1;visibility:visible;pointer-events:auto;
      transform:translateX(-50%) translateY(0);
    }
  }
  .nav-cta{display:none;}
  @media(min-width:860px){.nav-cta{display:inline-flex;}}
  .mobile-toggle{display:none;background:none;border:none;color:var(--navy);font-size:1.6rem;cursor:pointer;line-height:1;padding:4px;}
  @media(max-width:859px){
    .mobile-toggle{display:block;}
    nav ul{
      display:flex;flex-direction:column;align-items:stretch;gap:0;
      position:fixed;top:0;right:0;bottom:0;
      width:min(320px, 84vw);
      background:var(--navy);
      box-shadow:-16px 0 40px rgba(4,12,40,0.35);
      padding:100px 0 32px;
      transform:translateX(100%);
      transition:transform .4s var(--ease);
      z-index:70;
      overflow-y:auto;
    }
    .nav-pill{display:none;}
    header.nav-open nav ul{transform:translateX(0);}

    .mobile-nav-scrim{
      display:none;position:fixed;inset:0;background:rgba(4,12,40,0.5);z-index:65;
    }
    header.nav-open .mobile-nav-scrim{display:block;}

    nav ul li{width:100%;}
    nav ul a{
      display:block;width:100%;padding:16px 32px;box-sizing:border-box;
      color:rgba(255,255,255,0.85);font-size:1.05rem;
    }
    nav ul a.active{color:var(--paper);}
    nav ul a::after{display:none;}
    nav ul a:hover{color:var(--paper);background:rgba(255,255,255,0.06);}
    header{position:relative;}

    .mobile-nav-close{
      display:none;position:fixed;top:24px;right:24px;z-index:71;
      width:40px;height:40px;border-radius:50%;
      background:rgba(255,255,255,0.1);border:none;color:var(--paper);
      font-size:1.4rem;cursor:pointer;align-items:center;justify-content:center;
    }
    header.nav-open .mobile-nav-close{display:flex;}

    /* Mobile Services dropdown: expands inline, dark theme */
    .nav-dropdown{
      position:static;transform:none;opacity:1;visibility:visible;pointer-events:none;
      box-shadow:none;border:none;border-radius:0;background:rgba(0,0,0,0.18);
      max-height:0;overflow:hidden;padding:0;min-width:0;
      transition:max-height .35s var(--ease);
      width:100%;
    }
    .nav-dropdown-item.dropdown-open .nav-dropdown{
      max-height:400px;pointer-events:auto;padding:4px 0;
    }
    .nav-dropdown a{padding:12px 32px 12px 44px;font-size:0.95rem;color:rgba(255,255,255,0.7);}
    .nav-dropdown a:hover{color:var(--paper);}
  }

  /* HERO */
  .hero{
    background:var(--navy);
    color:var(--paper);
    padding:96px 0 0;
    overflow:hidden;
    position:relative;
  }
  .hero-video-bg{
    position:absolute;inset:0;width:100%;height:100%;
    object-fit:cover;z-index:0;
  }
  .hero-scrim{
    position:absolute;inset:0;z-index:1;
    background:linear-gradient(180deg, rgba(18,32,64,0.82) 0%, rgba(28,73,191,0.58) 55%, rgba(18,32,64,0.88) 100%);
  }
  .hero::before{
    content:'';position:absolute;inset:0;z-index:2;
    background:
      radial-gradient(600px circle at 88% 8%, rgba(63,209,232,0.22), transparent 60%),
      radial-gradient(500px circle at 8% 92%, rgba(42,111,202,0.35), transparent 60%);
    pointer-events:none;
  }
  .hero .wrap{position:relative;z-index:3;}
  .hero-grid{
    display:grid;
    grid-template-columns:1.15fr 0.85fr;
    gap:60px;
    align-items:center;
  }
  @media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:40px;}}
  .hero-eyebrow{
    font-size:0.95rem;color:var(--brass-light);
    font-weight:600;margin-bottom:20px;
    display:inline-flex;align-items:center;gap:8px;
  }
  .hero-eyebrow::before{
    content:'';width:6px;height:6px;border-radius:50%;
    background:var(--brass-light);
    box-shadow:0 0 0 4px rgba(63,209,232,0.25);
  }
  .hero h1{
    font-size:clamp(2.3rem,4.6vw,3.6rem);
    color:var(--paper);
    max-width:19ch;
    margin-bottom:24px;
    letter-spacing:-0.02em;
  }
  .hero p.lead{
    font-size:1.15rem;color:rgba(255,255,255,0.82);
    max-width:46ch;margin-bottom:34px;line-height:1.65;
  }
  .hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:52px;}
  .hero-panel{
    background:rgba(255,255,255,0.06);
    -webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);
    border:1px solid rgba(255,255,255,0.14);
    border-radius:var(--radius);
    padding:36px;
    box-shadow:0 24px 60px -20px rgba(4,12,40,0.5);
  }
  .hero-panel-stat{
    display:flex;justify-content:space-between;align-items:baseline;
    padding:18px 0;
    border-bottom:1px solid rgba(255,255,255,0.12);
  }
  .hero-panel-stat:last-child{border-bottom:none;padding-bottom:0;}
  .hero-panel-stat:first-child{padding-top:0;}
  .hero-panel-num{font-family:'Fraunces',serif;font-size:2.1rem;color:var(--brass-light);letter-spacing:-0.01em;}
  .hero-panel-label{font-size:0.88rem;color:rgba(255,255,255,0.7);text-align:right;max-width:16ch;}

  .lender-panel{
    background:var(--paper-dim);
    padding:44px 0;
    border-bottom:1px solid var(--line);
    overflow:hidden;
  }
  .lender-panel-head{
    display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:8px;
    margin-bottom:26px;
    max-width:1180px;margin-left:auto;margin-right:auto;padding:0 32px;
  }
  .lender-panel-label{font-size:0.95rem;font-weight:600;color:var(--navy);}
  .lender-panel-count{font-size:0.85rem;color:var(--ink-soft);}

  .lender-marquee{
    position:relative;
    -webkit-mask-image:linear-gradient(90deg, transparent 0, #000 64px, #000 calc(100% - 64px), transparent 100%);
    mask-image:linear-gradient(90deg, transparent 0, #000 64px, #000 calc(100% - 64px), transparent 100%);
  }
  .lender-track{
    display:flex;
    gap:12px;
    width:max-content;
    animation:lender-scroll 56s linear infinite;
  }
  .lender-marquee:hover .lender-track{animation-play-state:paused;}
  @keyframes lender-scroll{
    from{transform:translateX(0);}
    to{transform:translateX(-50%);}
  }
  @media (prefers-reduced-motion: reduce){
    .lender-track{animation:none;}
  }

  .lender-badge{
    background:var(--paper);
    border:1px solid var(--line);
    border-radius:var(--radius-sm);
    height:64px;
    min-width:172px;
    display:flex;align-items:center;justify-content:center;
    padding:10px 20px;
    flex-shrink:0;
    transition:border-color .15s, box-shadow .15s, transform .15s;
  }
  .lender-badge:hover{border-color:var(--brass); box-shadow:0 4px 14px rgba(28,73,191,0.12); transform:translateY(-2px);}
  .lender-badge-name{
    font-size:0.98rem;font-weight:700;color:var(--navy);
    text-align:center;letter-spacing:-0.01em;white-space:nowrap;
  }
  /* When a real logo image is dropped into a badge, use this instead of lender-badge-name: */
  .lender-badge img{max-height:32px;max-width:100%;width:auto;object-fit:contain;}

  /* SECTION SHELL */
  section{padding:112px 0;}
  .section-head{max-width:640px;margin-bottom:52px;}
  .section-label{
    font-size:0.9rem;color:var(--brass);font-weight:600;margin-bottom:14px;
  }
  .section-head h2{font-size:clamp(1.7rem,3vw,2.3rem);margin-bottom:16px;}
  .section-head p{color:var(--ink-soft);font-size:1.05rem;max-width:52ch;}

  /* SERVICES LEDGER */
  .ledger{border-top:1px solid var(--line);}
  .ledger-row{
    display:grid;
    grid-template-columns:1.3fr 2fr auto;
    gap:28px;
    padding:30px 24px;
    margin:0 -24px;
    border-bottom:1px solid var(--line);
    align-items:center;
    border-radius:var(--radius-sm);
    transition:background .35s var(--ease), transform .35s var(--ease);
  }
  .ledger-row:hover{background:var(--paper-dim);transform:translateX(4px);}
  @media(max-width:760px){
    .ledger-row{grid-template-columns:1fr;gap:8px;padding:24px 16px;margin:0 -16px;}
    .ledger-row:hover{transform:none;}
    .ledger-row .ledger-cta{justify-self:flex-start;margin-top:8px;}
  }
  .ledger-row h3{font-size:1.25rem;font-weight:500;}
  .ledger-row p{color:var(--ink-soft);font-size:0.98rem;}
  .ledger-cta{
    font-size:0.9rem;font-weight:600;color:var(--navy);
    white-space:nowrap;
    border-bottom:1px solid var(--brass);
    padding-bottom:2px;
    transition:letter-spacing .35s var(--ease);
  }
  .ledger-row:hover .ledger-cta{letter-spacing:0.01em;}

  /* SPECIALIZATION / TRUST-SMSF BAND */
  .specialty{background:var(--navy);color:var(--paper);}
  .specialty .wrap{
    display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;
  }
  @media(max-width:860px){.specialty .wrap{grid-template-columns:1fr;}}
  .specialty h2{color:var(--paper);max-width:16ch;}
  .specialty p.lead{color:rgba(255,255,255,0.8);font-size:1.05rem;margin-top:18px;max-width:44ch;}
  .specialty-list{margin-top:8px;}
  .specialty-item{
    padding:22px 0;border-top:1px solid rgba(255,255,255,0.14);
  }
  .specialty-item:last-child{border-bottom:1px solid rgba(255,255,255,0.14);}
  .specialty-item h4{color:var(--brass-light);font-size:1.05rem;font-weight:500;margin-bottom:6px;}
  .specialty-item p{color:rgba(255,255,255,0.72);font-size:0.95rem;}

  /* COMMUNITY */
  .community .wrap{
    display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;
  }
  @media(max-width:860px){.community .wrap{grid-template-columns:1fr;}}
  .community-copy p{color:var(--ink-soft);font-size:1.02rem;margin-bottom:16px;max-width:48ch;}
  .community-figure{
    background:var(--paper-dim);border:1px solid var(--line);border-radius:var(--radius-sm);
    padding:36px;
  }
  .community-figure-row{
    display:flex;justify-content:space-between;padding:16px 0;
    border-bottom:1px solid var(--line);
  }
  .community-figure-row:last-child{border-bottom:none;}
  .community-figure-row span:first-child{color:var(--ink-soft);font-size:0.95rem;}
  .community-figure-row span:last-child{font-weight:600;color:var(--navy);}

  /* PROCESS */
  .process-list{counter-reset:step;border-top:1px solid var(--line);}
  .process-item{
    counter-increment:step;
    display:grid;grid-template-columns:64px 1fr;gap:24px;
    padding:30px 0;border-bottom:1px solid var(--line);
  }
  .process-item::before{
    content:counter(step,decimal-leading-zero);
    font-family:'Fraunces',serif;color:var(--brass);font-size:1.6rem;
  }
  .process-item h3{font-size:1.15rem;font-weight:500;margin-bottom:6px;}
  .process-item p{color:var(--ink-soft);font-size:0.98rem;max-width:56ch;}

  /* FOUNDER */
  .founder{background:var(--paper-dim);}
  .founder .wrap{
    display:grid;grid-template-columns:0.8fr 1.2fr;gap:56px;align-items:center;
  }
  @media(max-width:860px){.founder .wrap{grid-template-columns:1fr;}}
  .founder-photo{
    width:100%;aspect-ratio:4/5;border-radius:var(--radius-sm);overflow:hidden;
    background:var(--navy);
  }
  .founder-photo img{width:100%;height:100%;object-fit:cover;}
  .founder-copy .section-label{margin-bottom:10px;}
  .founder-copy h2{margin-bottom:18px;}
  .founder-copy p{color:var(--ink-soft);font-size:1.02rem;margin-bottom:16px;max-width:54ch;}
  .founder-credentials{
    display:flex;gap:22px;flex-wrap:wrap;margin-top:24px;
    font-size:0.85rem;color:var(--ink-soft);
  }
  .founder-credentials span{
    border:1px solid var(--line);padding:8px 14px;border-radius:10px;background:var(--paper);
  }

  /* BORROWING POWER CALCULATOR */
  .calc-section{background:var(--paper);}
  .calc-grid{
    display:grid;grid-template-columns:1fr 1fr;gap:44px;
    background:var(--paper-dim);border:1px solid var(--line);border-radius:var(--radius-sm);
    padding:40px;
  }
  @media(max-width:800px){.calc-grid{grid-template-columns:1fr;padding:28px;}}
  .calc-inputs{display:flex;flex-direction:column;gap:20px;}
  .calc-field label{
    display:block;font-size:0.88rem;font-weight:600;color:var(--navy);margin-bottom:7px;
  }
  .calc-input-wrap{
    display:flex;align-items:center;
    background:var(--paper);border:1px solid var(--line);border-radius:10px;
    padding:0 14px;
  }
  .calc-input-wrap:focus-within{outline:2px solid var(--brass);outline-offset:1px;}
  .calc-prefix,.calc-suffix{color:var(--ink-soft);font-size:0.95rem;}
  .calc-input-wrap input{
    border:none;padding:12px 8px;background:transparent;width:100%;font-size:1rem;color:var(--ink);
  }
  .calc-input-wrap input:focus{outline:none;}
  .calc-field > input[type="number"]{
    width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
    background:var(--paper);font-size:1rem;color:var(--ink);
  }
  .calc-field > input[type="number"]:focus{outline:2px solid var(--brass);outline-offset:1px;}
  .calc-hint{display:block;font-size:0.78rem;color:var(--ink-soft);margin-top:5px;}

  .calc-subhead{
    font-size:0.8rem;font-weight:700;color:var(--brass);
    text-transform:uppercase;letter-spacing:0.04em;
    margin:22px 0 2px;
  }
  .calc-subhead:first-child{margin-top:0;}

  .calc-field select{
    width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
    background:var(--paper);font-size:1rem;color:var(--ink);font-family:'Inter',sans-serif;
    appearance:none;
    background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%2351617E'%3E%3Cpath fill-rule='evenodd' d='M5.23 7.21a.75.75 0 011.06.02L10 11.293l3.71-4.06a.75.75 0 111.08 1.04l-4.25 4.65a.75.75 0 01-1.08 0L5.21 8.27a.75.75 0 01.02-1.06z' clip-rule='evenodd'/%3E%3C/svg%3E");
    background-repeat:no-repeat;background-position:right 12px center;background-size:16px;
  }
  .calc-field select:focus{outline:2px solid var(--brass);outline-offset:1px;}

  .calc-btn-group{display:flex;gap:6px;flex-wrap:wrap;}
  .calc-btn-option{
    flex:1;min-width:40px;padding:10px 0;
    border:1px solid var(--line);border-radius:10px;background:var(--paper);
    font-size:0.92rem;font-weight:600;color:var(--ink-soft);cursor:pointer;
    transition:all .15s;
  }
  .calc-btn-option:hover{border-color:var(--brass);}
  .calc-btn-option.active{background:var(--navy);border-color:var(--navy);color:var(--paper);}

  .calc-field label{position:relative;display:flex;align-items:center;gap:6px;}
  .calc-tooltip{
    display:inline-flex;align-items:center;justify-content:center;
    width:16px;height:16px;border-radius:50%;
    background:var(--line);color:var(--ink-soft);
    font-size:0.68rem;font-weight:700;cursor:help;position:relative;flex-shrink:0;
  }
  .calc-tooltip-bubble{
    display:none;position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%);
    width:230px;background:var(--navy);color:var(--paper);
    font-size:0.78rem;font-weight:400;line-height:1.4;
    padding:10px 12px;border-radius:var(--radius-sm);z-index:10;
    text-transform:none;letter-spacing:normal;
  }
  .calc-tooltip-bubble::after{
    content:'';position:absolute;top:100%;left:50%;transform:translateX(-50%);
    border:5px solid transparent;border-top-color:var(--navy);
  }
  .calc-tooltip:hover .calc-tooltip-bubble,
  .calc-tooltip:focus .calc-tooltip-bubble{display:block;}

  .calc-result{
    background:var(--navy);color:var(--paper);
    border-radius:var(--radius);padding:32px;
    display:flex;flex-direction:column;
    justify-content:center;
  }
  .calc-result-label{font-size:0.9rem;color:rgba(255,255,255,0.7);}
  .calc-result-figure{
    font-family:'Fraunces',serif;font-size:clamp(2.2rem,5vw,3rem);
    color:var(--brass-light);margin:8px 0 10px;line-height:1;
  }
  .calc-result-sub{font-size:0.85rem;color:rgba(255,255,255,0.65);line-height:1.5;}
  .calc-result-breakdown{margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,0.14);}
  .calc-breakdown-row{
    display:flex;justify-content:space-between;font-size:0.9rem;
    padding:6px 0;color:rgba(255,255,255,0.85);
  }
  .calc-disclaimer{display:block;font-size:0.75rem;color:rgba(255,255,255,0.5);margin-top:14px;line-height:1.5;}

  /* CALCULATOR CTA */
  .calc-cta{background:var(--navy-soft);color:var(--paper);}
  .calc-cta .wrap{
    display:grid;grid-template-columns:1.3fr 0.7fr;gap:50px;align-items:center;
  }
  @media(max-width:860px){.calc-cta .wrap{grid-template-columns:1fr;}}
  .calc-cta h2{color:var(--paper);max-width:18ch;}
  .calc-cta p{color:rgba(255,255,255,0.78);margin-top:16px;max-width:46ch;font-size:1.02rem;}
  .calc-cta-box{
    background:var(--navy-soft);border:1px solid rgba(255,255,255,0.14);
    border-radius:var(--radius-sm);padding:30px;text-align:left;
  }
  .calc-cta-box p{margin:0 0 18px;font-size:0.92rem;color:rgba(255,255,255,0.7);}

  /* CONTACT / FORM */
  .contact{background:var(--paper);}
  .contact .wrap{
    display:grid;grid-template-columns:1fr 1fr;gap:60px;
  }
  @media(max-width:860px){.contact .wrap{grid-template-columns:1fr;}}
  .contact-copy p{color:var(--ink-soft);font-size:1.02rem;margin-top:16px;max-width:44ch;}
  .contact-info{margin-top:32px;}
  .contact-info-row{padding:14px 0;border-top:1px solid var(--line);}
  .contact-info-row:last-child{border-bottom:1px solid var(--line);}
  .contact-info-row span{display:block;}
  .contact-info-row .label{font-size:0.85rem;color:var(--ink-soft);margin-bottom:2px;}
  .contact-info-row .value{font-weight:600;color:var(--navy);}
  form{display:grid;gap:16px;}
  .form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
  @media(max-width:500px){.form-row{grid-template-columns:1fr;}}
  label{font-size:0.85rem;color:var(--ink-soft);display:block;margin-bottom:6px;}
  input,select,textarea{
    width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
    background:var(--white);font-family:'Inter',sans-serif;font-size:0.95rem;color:var(--ink);
  }
  input:focus,select:focus,textarea:focus{outline:2px solid var(--brass);outline-offset:1px;}
  textarea{resize:vertical;min-height:90px;}

  /* FOOTER */
  footer{
    background:var(--navy);color:rgba(255,255,255,0.65);padding:56px 0 32px;
    position:relative;overflow:hidden;
  }
  footer::before{
    content:'';position:absolute;inset:0;
    background:
      radial-gradient(480px circle at 92% 0%, rgba(63,209,232,0.14), transparent 60%),
      radial-gradient(420px circle at 4% 90%, rgba(71,156,216,0.16), transparent 60%);
    pointer-events:none;
  }
  footer .wrap{position:relative;}
  .footer-top{
    display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;
    padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,0.12);
  }
  @media(max-width:760px){.footer-top{grid-template-columns:1fr 1fr;}}
  .footer-top h5{color:var(--paper);font-family:'Inter',sans-serif;font-size:0.9rem;font-weight:600;margin-bottom:14px;}
  .footer-top ul{list-style:none;}
  .footer-top li{margin-bottom:9px;font-size:0.9rem;}
  .footer-top a:hover{color:var(--paper);}
  .footer-logo{font-family:'Fraunces',serif;font-size:1.3rem;color:var(--paper);margin-bottom:12px;}
  .footer-logo span{color:var(--brass-light);}
  .footer-tagline{font-size:0.92rem;max-width:32ch;}
  .footer-legal{font-size:0.8rem;line-height:1.6;padding-top:26px;max-width:900px;}
  .footer-copyright{font-size:0.8rem;margin-top:16px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;}

/* INTERIOR PAGE HERO (Services, About, Calculator, Contact) */
.page-hero{
  background:var(--navy);color:var(--paper);
  padding:64px 0 56px;
}
.page-hero .section-label{color:var(--brass-light);margin-bottom:14px;}
.page-hero h1{color:var(--paper);font-size:clamp(2rem,4vw,2.8rem);max-width:22ch;margin-bottom:14px;}
.page-hero p{color:rgba(255,255,255,0.8);font-size:1.05rem;max-width:56ch;}

/* Active nav link */
nav a.active{color:var(--navy);}
nav a.active::after{width:100%;}

/* GUIDE ARTICLES */
.article-section{padding:80px 0;}
.article-body{max-width:760px;}
.article-meta{
  display:flex;gap:16px;flex-wrap:wrap;align-items:center;
  font-size:0.85rem;color:var(--ink-soft);margin-bottom:8px;
}
.article-body h2{font-size:1.5rem;margin:36px 0 14px;}
.article-body h3{font-size:1.2rem;font-weight:500;margin:26px 0 10px;color:var(--navy);}
.article-body p{color:var(--ink-soft);font-size:1.02rem;line-height:1.7;margin-bottom:16px;max-width:68ch;}
.article-body ul, .article-body ol{color:var(--ink-soft);font-size:1.02rem;line-height:1.7;margin:0 0 16px 22px;max-width:68ch;}
.article-body li{margin-bottom:8px;}
.article-body strong{color:var(--navy);}
.article-callout{
  background:var(--paper-dim);border-left:3px solid var(--brass);
  padding:18px 22px;margin:26px 0;border-radius:2px;
}
.article-callout p{margin:0;font-size:0.96rem;}
.guide-card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;}
.guide-card{
  border:1px solid var(--line);border-radius:var(--radius-sm);padding:26px;
  background:var(--paper);transition:border-color .15s, box-shadow .15s;
}
.guide-card:hover{border-color:var(--brass); box-shadow:0 4px 14px rgba(28,73,191,0.08);}
.guide-card-tag{font-size:0.78rem;font-weight:700;color:var(--brass);text-transform:uppercase;letter-spacing:0.04em;}
.guide-card h3{font-size:1.2rem;font-weight:500;margin:10px 0 10px;}
.guide-card p{color:var(--ink-soft);font-size:0.95rem;margin-bottom:14px;}

/* SCROLL-REVEAL + COUNTER UTILITIES */
.reveal-target{
  opacity:0;
  transform:translateY(28px);
  transition:opacity .8s var(--ease-soft), transform .8s var(--ease-soft);
}
.reveal-target.revealed{
  opacity:1;
  transform:translateY(0);
}
@media (prefers-reduced-motion: reduce){
  .reveal-target{opacity:1;transform:none;transition:none;}
}

/* Stagger children slightly within a revealed group */
.reveal-target:nth-child(2){transition-delay:.06s;}
.reveal-target:nth-child(3){transition-delay:.12s;}
.reveal-target:nth-child(4){transition-delay:.18s;}
.reveal-target:nth-child(5){transition-delay:.24s;}
.reveal-target:nth-child(6){transition-delay:.30s;}

/* Card lift on hover for guide cards and lender badges (in addition to existing states) */
.guide-card, .lender-badge{
  transition:border-color .35s var(--ease), box-shadow .35s var(--ease), transform .35s var(--ease);
}
.guide-card:hover{transform:translateY(-3px);}

/* Subtle underline sweep on inline text links inside article bodies (not buttons) */
.article-body a:not(.btn){
  color:var(--navy);font-weight:600;
  background-image:linear-gradient(var(--brass-light), var(--brass-light));
  background-size:0% 2px;background-repeat:no-repeat;background-position:0 100%;
  transition:background-size .35s var(--ease);
  padding-bottom:1px;
}
.article-body a:not(.btn):hover{background-size:100% 2px;}

/* PAGE FEATURE IMAGE (sits just below the navy page-hero) */
.page-feature{
  margin-top:-1px;
  padding:0;
  background:var(--paper);
  line-height:0;
}
.page-feature-img{
  width:100%;
  aspect-ratio:16/9;
  object-fit:cover;
  display:block;
}
@media(min-width:640px){
  .page-feature-img{aspect-ratio:21/9;}
}

/* AUSTRALIA WIDE SECTION */
.au-wide{background:var(--paper);}
.au-wide-grid{
  display:grid;grid-template-columns:0.75fr 1.3fr 0.75fr;gap:32px;align-items:center;
}
@media(max-width:960px){.au-wide-grid{grid-template-columns:1fr;}}
.au-wide-copy h2{font-size:clamp(1.6rem,3vw,2.1rem);}
.au-wide-map{display:flex;justify-content:center;}
.au-wide-map svg{width:100%;max-width:480px;height:auto;}
.au-wide-contact-item{display:flex;gap:14px;margin-bottom:26px;}
.au-wide-contact-icon{
  width:40px;height:40px;border-radius:50%;background:var(--paper-dim);
  display:flex;align-items:center;justify-content:center;color:var(--navy);flex-shrink:0;
}
.au-wide-contact-icon svg{width:18px;height:18px;}
.au-wide-contact-label{font-size:0.78rem;font-weight:700;color:var(--ink-soft);text-transform:uppercase;letter-spacing:0.04em;margin-bottom:4px;}
.au-wide-contact-value{font-size:1.05rem;font-weight:600;color:var(--navy);}
.au-wide-cta{
  background:var(--navy);border-radius:var(--radius);padding:32px;text-align:center;
  position:relative;overflow:hidden;
}
.au-wide-cta::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(300px circle at 80% 0%, rgba(63,209,232,0.25), transparent 60%);
  pointer-events:none;
}
.au-wide-cta p{position:relative;color:var(--paper);font-weight:600;font-size:1.05rem;margin-bottom:18px;}
.au-wide-cta .btn{position:relative;width:100%;justify-content:center;}
.icon-strip{background:var(--paper);padding:56px 0 64px;}
.icon-strip-grid{
  display:grid;grid-template-columns:repeat(7,1fr);gap:16px;
}
@media(max-width:1000px){.icon-strip-grid{grid-template-columns:repeat(4,1fr);}}
@media(max-width:520px){.icon-strip-grid{grid-template-columns:repeat(2,1fr);}}
.icon-strip-item{
  display:flex;flex-direction:column;align-items:center;text-align:center;gap:12px;
  padding:20px 12px;border-radius:var(--radius-sm);
  transition:background .3s var(--ease), transform .3s var(--ease);
}
.icon-strip-item:hover{background:var(--paper-dim);transform:translateY(-3px);}
.icon-strip-icon{
  width:52px;height:52px;border-radius:50%;
  background:var(--paper-dim);
  display:flex;align-items:center;justify-content:center;
  color:var(--navy);
  transition:background .3s var(--ease), color .3s var(--ease);
}
.icon-strip-item:hover .icon-strip-icon{background:var(--brass);color:var(--white);}
.icon-strip-icon svg{width:24px;height:24px;}
.icon-strip-label{font-size:0.85rem;font-weight:600;color:var(--navy);}

/* MINI CALCULATOR (homepage teaser) */
.mini-calc{background:var(--navy);color:var(--paper);position:relative;overflow:hidden;}
.mini-calc::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(500px circle at 15% 20%, rgba(63,209,232,0.18), transparent 60%);
  pointer-events:none;
}
.mini-calc .wrap{position:relative;}
.mini-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
@media(max-width:800px){.mini-calc-grid{grid-template-columns:1fr;gap:32px;}}
.mini-calc-copy h2{color:var(--paper);margin-bottom:14px;}
.mini-calc-copy p{color:rgba(255,255,255,0.8);font-size:1.05rem;max-width:44ch;}
.mini-calc-box{
  background:rgba(255,255,255,0.06);
  -webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,0.14);
  border-radius:var(--radius);
  padding:32px;
}
.mini-calc-field{margin-bottom:16px;}
.mini-calc-field label{display:block;font-size:0.85rem;color:rgba(255,255,255,0.75);margin-bottom:7px;}
.mini-calc-input-wrap{
  display:flex;align-items:center;background:rgba(255,255,255,0.08);
  border:1px solid rgba(255,255,255,0.18);border-radius:8px;padding:0 14px;
}
.mini-calc-input-wrap span{color:rgba(255,255,255,0.6);}
.mini-calc-input-wrap input{
  width:100%;padding:12px 8px;background:transparent;border:none;color:var(--paper);font-size:1rem;
}
.mini-calc-input-wrap input:focus{outline:none;}
.mini-calc-result{
  margin-top:22px;padding-top:20px;border-top:1px solid rgba(255,255,255,0.14);
  display:flex;justify-content:space-between;align-items:baseline;
}
.mini-calc-result-label{font-size:0.88rem;color:rgba(255,255,255,0.7);}
.mini-calc-result-figure{font-family:'Fraunces',serif;font-size:1.9rem;color:var(--brass-light);}

/* TESTIMONIAL SPOTLIGHT CAROUSEL */
.testimonials{background:var(--paper-dim);}
.spotlight{
  display:flex;align-items:center;gap:20px;
  max-width:760px;margin:44px auto 0;
}
.spotlight-arrow{
  flex-shrink:0;width:44px;height:44px;border-radius:50%;
  background:var(--paper);border:1px solid var(--line);color:var(--navy);
  display:flex;align-items:center;justify-content:center;cursor:pointer;
  transition:background .2s var(--ease), border-color .2s var(--ease), transform .2s var(--ease);
}
.spotlight-arrow:hover{background:var(--navy);color:var(--paper);border-color:var(--navy);transform:scale(1.06);}
.spotlight-arrow svg{width:20px;height:20px;}
.spotlight-stage{
  position:relative;flex:1;
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:0 12px 32px rgba(18,32,64,0.07);
  min-height:280px;
  overflow:hidden;
}
.spotlight-slide{
  position:absolute;inset:0;
  padding:40px 44px;
  display:flex;flex-direction:column;
  opacity:0;visibility:hidden;
  transform:translateX(16px);
  transition:opacity .45s var(--ease), transform .45s var(--ease), visibility 0s linear .45s;
}
.spotlight-slide.active{
  position:relative;
  opacity:1;visibility:visible;transform:translateX(0);
  transition:opacity .45s var(--ease), transform .45s var(--ease);
}
.spotlight-stars{color:var(--brass);letter-spacing:3px;font-size:1rem;margin-bottom:16px;}
.spotlight-quote{
  font-size:1.1rem;line-height:1.65;color:var(--ink);
  flex:1;margin-bottom:24px;
}
.spotlight-author{display:flex;align-items:center;gap:14px;}
.spotlight-avatar{
  width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--paper);
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem;flex-shrink:0;
}
.spotlight-name{font-weight:600;color:var(--navy);font-size:0.95rem;}
.spotlight-name a{color:inherit;text-decoration:none;border-bottom:1px dotted var(--line);}
.spotlight-name a:hover{border-color:var(--brass);color:var(--brass);}
.spotlight-meta{font-size:0.82rem;color:var(--ink-soft);}
.spotlight-dots{display:flex;justify-content:center;gap:8px;margin-top:24px;}
.spotlight-dot{
  width:8px;height:8px;border-radius:50%;background:var(--line);border:none;cursor:pointer;padding:0;
  transition:background .25s var(--ease), width .25s var(--ease);
}
.spotlight-dot.active{background:var(--brass);width:22px;border-radius:5px;}
@media(max-width:640px){
  .spotlight{gap:10px;}
  .spotlight-slide{padding:28px 24px;}
  .spotlight-arrow{width:36px;height:36px;}
}

/* CREDENTIAL BADGES (About page + footer + homepage) */
.credential-logos{
  display:flex;align-items:center;gap:28px;flex-wrap:wrap;
  margin-top:24px;
}
.credential-logo-badge{height:96px;width:auto;}
.credential-logo-wide{height:96px;width:auto;} /* AFCA: ~218px wide — above their 200px recommended size */

.footer-badges{
  display:flex;align-items:center;gap:16px;flex-wrap:wrap;
  padding-top:24px;margin-top:24px;
  border-top:1px solid rgba(255,255,255,0.12);
}
.footer-badge-chip{
  background:var(--paper);border-radius:8px;
  padding:8px 14px;display:inline-flex;align-items:center;
}
.footer-badge-chip img{display:block;}
.footer-badges .credential-logo-badge{height:66px;width:auto;}
.footer-badges .credential-logo-wide{height:66px;width:auto;} /* AFCA: ~150px wide, well above their 100px hard minimum */

/* HOMEPAGE TRUST BADGES BAND */
.trust-badges-section{background:var(--paper);padding:40px 0;border-bottom:1px solid var(--line);}
.trust-badges-row{
  display:flex;align-items:center;justify-content:center;gap:32px;flex-wrap:wrap;
}
.trust-badges-label{
  font-size:0.85rem;font-weight:600;color:var(--ink-soft);
  white-space:nowrap;
}
.trust-badges-logos{display:flex;align-items:center;gap:36px;flex-wrap:wrap;}
.trust-badge-mfaa{height:96px;width:auto;}
.trust-badge-afca{height:96px;width:auto;} /* AFCA: ~218px wide — above their 200px recommended size */

/* SOCIAL ICONS (footer) */
.footer-social{display:flex;gap:14px;margin-top:18px;}
.footer-social a{
  width:38px;height:38px;border-radius:50%;
  background:rgba(255,255,255,0.08);
  display:flex;align-items:center;justify-content:center;
  color:var(--paper);transition:background .3s var(--ease), transform .3s var(--ease);
}
.footer-social a:hover{background:var(--brass-light);color:var(--navy);transform:translateY(-2px);}
.footer-social svg{width:18px;height:18px;}

/* CHAT LAUNCHER (expandable WhatsApp / Messenger) */
.chat-launcher{
  position:fixed;bottom:24px;right:24px;z-index:60;
  display:flex;flex-direction:column;align-items:flex-end;gap:14px;
}
.chat-launcher-toggle{
  width:60px;height:60px;border-radius:50%;
  background:var(--navy);border:none;cursor:pointer;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 6px 20px rgba(0,0,0,0.25);
  transition:transform .3s var(--ease), box-shadow .3s var(--ease), background .3s var(--ease);
  position:relative;
}
.chat-launcher-toggle:hover{transform:scale(1.06);box-shadow:0 8px 26px rgba(0,0,0,0.32);}
.chat-launcher-toggle svg{width:26px;height:26px;position:absolute;transition:opacity .2s var(--ease), transform .2s var(--ease);}
.chat-icon-close{opacity:0;transform:rotate(-45deg) scale(0.5);}
.chat-launcher.open .chat-launcher-toggle{background:var(--brass);}
.chat-launcher.open .chat-icon-open{opacity:0;transform:rotate(45deg) scale(0.5);}
.chat-launcher.open .chat-icon-close{opacity:1;transform:rotate(0) scale(1);}

.chat-options{
  display:flex;flex-direction:column;align-items:flex-end;gap:12px;
}
.chat-option{
  display:flex;align-items:center;gap:10px;
  padding:10px 16px 10px 10px;border-radius:100px;
  box-shadow:0 4px 16px rgba(0,0,0,0.18);
  opacity:0;transform:translateY(12px) scale(0.9);
  pointer-events:none;
  transition:opacity .25s var(--ease), transform .25s var(--ease);
}
.chat-launcher.open .chat-option{opacity:1;transform:translateY(0) scale(1);pointer-events:auto;}
.chat-launcher.open .chat-option-messenger{transition-delay:.03s;}
.chat-launcher.open .chat-option-whatsapp{transition-delay:.08s;}
.chat-option svg{width:24px;height:24px;flex-shrink:0;}
.chat-option-label{color:#fff;font-size:0.88rem;font-weight:600;white-space:nowrap;}
.chat-option-whatsapp{background:#25D366;}
.chat-option-messenger{background:linear-gradient(135deg, #00B2FF, #A033FF 50%, #FF5CA1);}

@media(max-width:600px){
  .chat-launcher{bottom:16px;right:16px;gap:12px;}
  .chat-launcher-toggle{width:52px;height:52px;}
  .chat-launcher-toggle svg{width:22px;height:22px;}
}

/* LENDERS PAGE — static grid */
.lender-static-grid{
  display:grid;grid-template-columns:repeat(auto-fill, minmax(160px, 1fr));gap:14px;
}
.lender-badge-static{
  height:64px;
}

/* FAQ PAGE */
.faq-list{border-top:1px solid var(--line);}
.faq-item{border-bottom:1px solid var(--line);}
.faq-question{
  width:100%;text-align:left;background:none;border:none;cursor:pointer;
  display:flex;justify-content:space-between;align-items:center;gap:20px;
  padding:22px 0;font-size:1.05rem;font-weight:600;color:var(--navy);
  font-family:'Inter',sans-serif;
}
.faq-question-icon{
  flex-shrink:0;width:24px;height:24px;position:relative;
}
.faq-question-icon::before, .faq-question-icon::after{
  content:'';position:absolute;background:var(--brass);
  transition:transform .3s var(--ease);
}
.faq-question-icon::before{top:11px;left:2px;width:20px;height:2px;}
.faq-question-icon::after{top:2px;left:11px;width:2px;height:20px;}
.faq-item.open .faq-question-icon::after{transform:rotate(90deg);}
.faq-answer{
  max-height:0;overflow:hidden;
  transition:max-height .4s var(--ease);
}
.faq-answer-inner{padding-bottom:22px;color:var(--ink-soft);font-size:0.98rem;line-height:1.7;max-width:68ch;}