/*! © 2026 Finfident PTY LTD (ABN 94 679 280 801), trading as Finfident Finance Brokers. All rights reserved.
   Proprietary and confidential. Unauthorised copying, reproduction, distribution or modification of this file, in whole or in part, is prohibited. */
/* Finfident — design tokens
   Look: clean white and soft-grey sections, big bold DM Sans headings, real photography,
   navy for structure and dark sections, coral for every action. */
:root{
  --navy:#1c666e; --navy-2:#165158; --navy-3:#0e3a3f; --ink:#122b2e;
  --blue:#1c666e; --blue-2:#5fb8ae; --blue-3:#8cc9c1; --lilac:#b4dcd6; --mist:#e5f2f0;
  --coral:#ff5558; --coral-d:#e8474a; --coral-soft:#ffecec;
  --bg:#ffffff; --grey:#f2f7f6; --surface:#ffffff; --line:#dbe8e6; --text:#4f5b5d; --muted:#667476; --ok:#1a7f55; --warn:#a85a00;
  --head:"DM Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --font:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --r:16px; --r-lg:22px; --shadow:0 24px 48px -26px rgba(10,40,44,.35); --shadow-sm:0 6px 18px -10px rgba(10,40,44,.22);
  --w:1240px;
  color-scheme:light;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}.js .reveal{opacity:1!important;transform:none!important}}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font);font-size:16px;line-height:1.75;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
a:hover{color:var(--coral)}
h1,h2,h3,h4{font-family:var(--head);color:var(--ink);line-height:1.2;margin:0;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(2.4rem,5.6vw,4.4rem);font-weight:700;line-height:1.12}
h2{font-size:clamp(1.9rem,3.8vw,3rem);font-weight:700}
h3{font-size:1.3rem;font-weight:600}
p{margin:0}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--blue-2);outline-offset:2px;border-radius:4px}
.wrap{max-width:var(--w);margin:0 auto;padding-inline:16px}
@media (min-width:768px){.wrap{padding-inline:28px}}
.section{padding-block:clamp(64px,9vw,120px)}
.section.tight{padding-block:clamp(44px,6vw,72px)}
.bg-grey{background:var(--grey)}
.eyebrow{display:inline-block;font-family:var(--head);font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--coral);padding:5px 14px;border-radius:999px;line-height:1.5}
.eyebrow.plain{background:none;color:var(--coral);padding:0}
.lede{font-size:clamp(1.02rem,1.5vw,1.15rem);color:var(--text);max-width:62ch}
.center{text-align:center}.center .lede{margin-inline:auto}
.stack>*+*{margin-top:14px}
.num{font-variant-numeric:tabular-nums}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:6px;z-index:100}
.skip:focus{left:8px}

/* scroll animations (only when JS runs) */
.js .reveal{opacity:0;transform:translateY(28px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.js .reveal.from-left{transform:translateX(-40px)}
.js .reveal.from-right{transform:translateX(40px)}
.js .reveal.zoom{transform:scale(.94)}
.js .reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.1s}.reveal.d2{transition-delay:.2s}.reveal.d3{transition-delay:.3s}.reveal.d4{transition-delay:.4s}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:14px 30px;border-radius:999px;border:0;font-family:var(--font);font-weight:600;font-size:.95rem;letter-spacing:.01em;text-decoration:none;cursor:pointer;transition:transform .15s,background .2s,box-shadow .2s,color .2s;white-space:nowrap;position:relative;overflow:hidden}
.btn:active{transform:scale(.98)}
.btn-coral{background:var(--coral);color:#fff}
.btn-coral:hover{background:var(--navy);color:#fff}
.btn-blue,.btn-navy{background:var(--navy);color:#fff}
.btn-blue:hover,.btn-navy:hover{background:var(--coral);color:#fff}
.btn-line{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn-line:hover{background:var(--navy);color:#fff}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.75)}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:var(--coral);color:#fff}
.btn-sm{min-height:44px;padding:10px 22px;font-size:.88rem}
.btn-block{width:100%}
.btn svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:2}
.link-arrow{font-weight:600;text-decoration:none;color:var(--coral);display:inline-flex;gap:6px;align-items:center}
.link-arrow::after{content:"→";transition:transform .15s}
.link-arrow:hover::after{transform:translateX(3px)}

/* header: floating rounded bar over the hero; glass by default, white when hovered or scrolled */
.hdr{position:fixed;top:12px;left:0;right:0;z-index:50;pointer-events:none}
.hdr .wrap{pointer-events:auto}
.hdr .bar{display:flex;align-items:center;gap:12px;min-height:66px;padding:0 10px 0 22px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(14px) saturate(1.3);-webkit-backdrop-filter:blur(14px) saturate(1.3);transition:background .3s,border-color .3s,box-shadow .3s}
.hdr.scrolled .bar{background:rgba(255,255,255,.82);border-color:rgba(28,102,110,.12);box-shadow:0 12px 32px -18px rgba(10,40,44,.45)}
.hdr:hover .bar,.hdr.menu-open .bar,.hdr:focus-within .bar{background:#fff;border-color:#fff;box-shadow:0 14px 34px -18px rgba(10,40,44,.5)}
.brand{display:grid;flex:none}
.brand img{grid-area:1/1;width:150px;height:auto;transition:opacity .3s}
@media (min-width:1100px){.brand img{width:168px}}
.brand .lg-dark{opacity:0}
.hdr.scrolled .brand .lg-dark,.hdr:hover .brand .lg-dark,.hdr.menu-open .brand .lg-dark,.hdr:focus-within .brand .lg-dark{opacity:1}
.hdr.scrolled .brand .lg-light,.hdr:hover .brand .lg-light,.hdr.menu-open .brand .lg-light,.hdr:focus-within .brand .lg-light{opacity:0}
.nav{display:none;margin-left:auto;gap:2px;align-items:center}
.nav>a,.nav .dd>button{white-space:nowrap;padding:10px 14px;border-radius:999px;color:#fff;text-decoration:none;font-weight:500;font-size:.95rem;background:none;border:0;cursor:pointer;display:flex;gap:6px;align-items:center;transition:background .2s,color .2s}
.hdr.scrolled .nav>a,.hdr.scrolled .nav .dd>button,.hdr:hover .nav>a,.hdr:hover .nav .dd>button,.hdr:focus-within .nav>a,.hdr:focus-within .nav .dd>button{color:var(--ink)}
.nav>a:hover,.nav .dd>button:hover,.nav .dd.open>button{background:var(--mist);color:var(--navy)!important}
.dd{position:relative}
.dd>button::after{content:"";width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:2px;transition:transform .2s}
.dd.open>button::after{transform:rotate(-135deg) translateY(-1px)}
.mega{position:absolute;top:calc(100% + 16px);left:50%;transform:translateX(-50%);background:#fff;border-radius:22px;box-shadow:0 30px 60px -24px rgba(10,40,44,.45);border:1px solid var(--line);padding:14px;display:grid;grid-template-columns:repeat(2,minmax(230px,1fr));gap:2px;min-width:560px;animation:megaIn .18s ease}
.mega::before{content:"";position:absolute;left:0;right:0;top:-22px;height:24px}
@keyframes megaIn{from{opacity:0;transform:translate(-50%,6px)}}
.mega a{display:block;padding:11px 14px;border-radius:14px;text-decoration:none;color:var(--text)}
.mega a:hover{background:var(--mist)}
.mega a b{display:block;color:var(--ink);font-weight:600;font-family:var(--head)}
.mega a:hover b{color:var(--navy)}
.mega a span{font-size:.84rem;color:var(--muted)}
.hdr-actions{display:none;gap:8px;align-items:center;margin-left:8px}
.ic-btn{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.14);color:#fff;text-decoration:none;transition:background .2s,color .2s,transform .2s;flex:none}
.ic-btn svg{width:19px;height:19px;stroke:currentColor;fill:none;stroke-width:2}
.ic-btn.wa svg{fill:currentColor;stroke:none}
.ic-btn:hover{transform:translateY(-2px);background:var(--coral);color:#fff!important}
.hdr.scrolled .ic-btn,.hdr:hover .ic-btn,.hdr:focus-within .ic-btn{background:var(--mist);color:var(--navy)}
.mbar svg{width:20px;height:20px}
.menu-btn{margin-left:auto;width:46px;height:46px;border-radius:50%;border:0;background:rgba(255,255,255,.16);display:grid;place-items:center;cursor:pointer;color:#fff}
.menu-btn svg{stroke:currentColor}
.hdr.scrolled .menu-btn,.hdr.menu-open .menu-btn,.hdr:hover .menu-btn{background:var(--mist);color:var(--navy)}
@media (min-width:1080px){.nav,.hdr-actions{display:flex}.menu-btn{display:none}}
@media (max-width:1279px){.nav .nav-xl{display:none}.hdr-actions .ic-btn.mail{display:none}}
.drawer{margin-top:10px;background:#fff;border-radius:24px;box-shadow:0 24px 50px -20px rgba(10,40,44,.5);max-height:calc(100vh - 110px);overflow:auto}
.drawer .in{display:grid;gap:2px;padding:10px 18px 20px}
.drawer details{border-bottom:1px solid var(--line)}
.drawer summary{list-style:none;padding:15px 4px;font-weight:600;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;font-size:1rem}
.drawer summary::-webkit-details-marker{display:none}
.drawer summary::after{content:"+";color:var(--navy);font-size:1.3rem;line-height:1}
.drawer details[open] summary::after{content:"–"}
.drawer details a{display:block;padding:10px 12px;color:var(--text);text-decoration:none;border-radius:12px}
.drawer details a:active{background:var(--mist)}
.drawer .in>a{padding:15px 4px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.drawer .btns{display:grid;gap:10px;margin-top:16px}
.drawer .contact-row{display:flex;gap:10px;margin-top:16px;justify-content:center}
.drawer .contact-row .ic-btn{background:var(--mist);color:var(--navy);width:52px;height:52px}

/* welcome back (no longer shown to visitors) */
.welcome{display:none}

/* hero: full-bleed video */
.hero{position:relative;overflow:hidden;color:#fff;background:var(--navy-3);isolation:isolate}
.hero .bgvid,.hero .bgimg{position:absolute;inset:0;z-index:-2;width:100%;height:100%;object-fit:cover}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(9,42,46,.86) 0%,rgba(12,58,63,.62) 48%,rgba(12,58,63,.25) 100%)}
.hero .wrap{min-height:clamp(600px,92vh,820px);display:grid;gap:36px;align-items:center;padding-block:130px 80px}
@media (min-width:1000px){.hero .wrap{grid-template-columns:1.1fr .9fr;gap:56px}}
.hero h1{color:#fff;font-size:clamp(2.1rem,4.4vw,3.5rem);line-height:1.14;max-width:16ch;font-weight:700}
.hero .sub{margin-top:18px;font-size:clamp(1.02rem,1.5vw,1.18rem);line-height:1.6;max-width:46ch;color:#e3f1ef}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero .goals{display:flex;flex-wrap:wrap;gap:8px;margin-top:30px;max-width:640px}
.goal{display:inline-flex;gap:8px;align-items:center;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.26);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);border-radius:999px;padding:8px 16px 8px 8px;cursor:pointer;color:#fff;font-weight:500;font-size:.9rem;transition:background .2s,border-color .2s,transform .2s}
.goal:hover{background:#fff;color:var(--navy);transform:translateY(-2px)}
.goal .ic{width:30px;height:30px;border-radius:50%;background:rgba(255,255,255,.18);display:grid;place-items:center;flex:none}
.goal:hover .ic{background:var(--mist)}
.goal svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.goal-q{margin-top:32px;font-weight:500;color:#cfe6e2;font-size:.9rem}
.goal-q+.goals{margin-top:10px}
.assure{display:none}
.scroll-cue{position:absolute;left:50%;bottom:22px;transform:translateX(-50%);width:28px;height:46px;border:2px solid rgba(255,255,255,.6);border-radius:20px}
.scroll-cue::after{content:"";position:absolute;left:50%;top:9px;width:4px;height:9px;border-radius:2px;background:#fff;transform:translateX(-50%);animation:cue 1.8s infinite}
@keyframes cue{60%{transform:translate(-50%,14px);opacity:0}100%{opacity:0}}
@media (max-width:640px){.scroll-cue{display:none}.hero::before{background:linear-gradient(180deg,rgba(9,42,46,.7),rgba(9,42,46,.88))}.hero .wrap{padding-block:110px 56px;min-height:0}}
/* quick refinance card in the hero */
.qrefi{background:rgba(255,255,255,.96);color:var(--text);border-radius:26px;padding:26px;box-shadow:0 30px 60px -28px rgba(0,0,0,.55);max-width:440px;width:100%;justify-self:end}
@media (max-width:999px){.qrefi{justify-self:stretch;max-width:none}}
.qrefi .tagline{display:inline-flex;gap:6px;align-items:center;font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--coral)}
.qrefi .tagline::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--coral);box-shadow:0 0 0 0 rgba(255,85,88,.6);animation:pulse 2s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 8px rgba(255,85,88,0)}100%{box-shadow:0 0 0 0 rgba(255,85,88,0)}}
.qrefi h2{font-size:1.5rem;margin-top:8px;color:var(--ink)}
.qrefi .row2{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:16px}
.qrefi .out{margin-top:16px;padding:14px 16px;border-radius:16px;background:var(--mist);display:flex;justify-content:space-between;align-items:center;gap:10px}
.qrefi .out span{font-size:.86rem;color:var(--muted);line-height:1.35}
.qrefi .out b{font-family:var(--head);font-size:1.7rem;color:var(--navy);white-space:nowrap}
.qrefi .btn{margin-top:14px;width:100%}
.qrefi small{display:block;margin-top:10px;font-size:.74rem;color:var(--muted);line-height:1.45}

/* trust band */
.trust{background:var(--navy);color:#fff}
.trust .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;padding-block:26px}
.trust div{display:flex;gap:14px;align-items:center}
.trust .k{font-family:var(--head);font-size:1.15rem;font-weight:700;color:#fff;line-height:1.2;display:block}
.trust small{color:#c6e2de;font-size:.86rem;line-height:1.4;display:block}
.trust .ic{width:48px;height:48px;border-radius:50%;background:var(--coral);display:grid;place-items:center;flex:none}
.trust svg{width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2}

/* section heads */
.sec-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:end;gap:16px;margin-bottom:40px}
.sec-head>div{max-width:760px}
.sec-head h2{margin-top:12px}
.sec-head .lede{margin-top:12px}
.sec-head.center{flex-direction:column;align-items:center;text-align:center}
.sec-head.center>div{margin-inline:auto}

/* numbered process (01–04) */
.process{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,230px),1fr));background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(18px,3vw,34px) 0}
.process .p{padding:14px clamp(18px,2.4vw,30px)}
.process .p+.p{border-left:1px solid var(--line)}
@media (max-width:980px){.process .p+.p{border-left:0;border-top:1px solid var(--line)}}
.process .n{font-family:var(--head);font-size:clamp(3rem,5vw,4.2rem);font-weight:700;line-height:1;color:transparent;-webkit-text-stroke:1.5px var(--navy);transition:color .3s,-webkit-text-stroke-color .3s}
.process .p:hover .n{color:var(--coral);-webkit-text-stroke-color:var(--coral)}
.process h3{margin-top:22px;font-size:1.35rem}
.process p{margin-top:12px;font-size:.95rem}

/* cards & grids */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;display:flex;flex-direction:column;gap:10px;min-width:0}
a.card{text-decoration:none;color:var(--text);transition:transform .25s,box-shadow .25s,border-color .25s}
a.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent;color:var(--text)}
a.card:hover h3{color:var(--coral)}
.card h3{transition:color .2s}
.card p{color:var(--text);font-size:.95rem}
.card .link-arrow{margin-top:auto;padding-top:6px}
.card .ic{width:54px;height:54px;border-radius:50%;background:var(--coral-soft);display:grid;place-items:center;transition:background .25s}
.card .ic svg{width:24px;height:24px;stroke:var(--coral);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:stroke .25s}
a.card:hover .ic{background:var(--coral)}
a.card:hover .ic svg{stroke:#fff}

/* photo cards (calculators, loans, posts) */
.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:var(--text);transition:transform .25s,box-shadow .25s}
.pcard:hover{transform:translateY(-5px);box-shadow:var(--shadow);color:var(--text)}
.pcard .ph{aspect-ratio:16/10;overflow:hidden;position:relative;background:linear-gradient(135deg,var(--navy),var(--blue))}
.pcard .ph img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.pcard:hover .ph img{transform:scale(1.07)}
.pcard .ph .lab{position:absolute;left:14px;top:14px;z-index:1}
.pcard .ph .ico{position:absolute;inset:0;display:grid;place-items:center}
.pcard .ph .ico svg{width:64px;height:64px;stroke:rgba(255,255,255,.85);fill:none;stroke-width:1.5}
.pcard .body{padding:24px 24px 28px;display:flex;flex-direction:column;gap:10px;flex:1}
.pcard h3{font-size:1.25rem}
.pcard:hover h3{color:var(--coral)}
.pcard p{font-size:.95rem}
.pcard ul{margin:0;padding-left:18px;font-size:.93rem}
.pcard .btn{margin-top:auto;align-self:flex-start}
.pcard .meta-row{margin:auto 0 0}

/* why choose: image + accordion */
.why{display:grid;align-items:stretch;background:var(--grey)}
@media (min-width:980px){.why{grid-template-columns:42% 1fr}}
.why .img{min-height:340px;position:relative;overflow:hidden}
.why .img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.why .txt{padding:clamp(48px,7vw,100px) clamp(16px,5vw,80px)}
.why .txt>p{margin-top:16px;max-width:60ch}
.acc{margin-top:30px;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.acc details{border-top:1px solid var(--line);transition:background .25s}
.acc details:first-child{border-top:0}
.acc summary{list-style:none;cursor:pointer;display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center;padding:22px 26px;font-family:var(--head);font-weight:600;font-size:1.18rem;color:var(--ink)}
.acc summary::-webkit-details-marker{display:none}
.acc summary svg{width:30px;height:30px;stroke:var(--navy);fill:none;stroke-width:1.8}
.acc summary .no{font-weight:700;color:var(--ink)}
.acc details p{padding:0 26px 24px 74px;margin-top:-6px}
.acc details[open]{background:var(--coral)}
.acc details[open] summary,.acc details[open] summary .no,.acc details[open] p{color:#fff}
.acc details[open] summary svg{stroke:#fff}

/* dark FAQ band */
.faqband{display:grid;background:var(--navy);color:#e3f1ef}
@media (min-width:980px){.faqband{grid-template-columns:31% 1fr}}
.faqband .img{min-height:300px;position:relative;overflow:hidden}
.faqband .img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.faqband .fq{display:grid;gap:40px;padding:clamp(48px,7vw,100px) clamp(16px,5vw,70px)}
@media (min-width:1100px){.faqband .fq{grid-template-columns:.8fr 1.2fr;align-items:center}}
.faqband h2{color:#fff;margin-top:14px}
.faqband .lede{color:#c6e2de;margin-top:16px}
.faqband .btn{margin-top:26px}
.faqband .faq details{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:var(--r)}
.faqband .faq summary{color:#fff}
.faqband .faq summary::after{color:var(--coral)}
.faqband .faq details[open]{background:rgba(255,255,255,.16)}
.faqband .faq details p{color:#d6deee}

/* feature split */
.split{display:grid;gap:44px;align-items:center}
@media (min-width:960px){.split{grid-template-columns:1fr 1fr}.split.rev>:first-child{order:2}}
.split .photo{border-radius:var(--r-lg);overflow:hidden;position:relative;aspect-ratio:4/3.4}
.split .photo img{width:100%;height:100%;object-fit:cover}
.split .photo .badge{position:absolute;left:18px;bottom:18px;background:#fff;border-radius:var(--r);padding:14px 18px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center;color:var(--ink);font-weight:600;font-family:var(--head)}
.split .photo .badge b{font-size:1.7rem;color:var(--coral);line-height:1}
.checks{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks li::before{content:"";flex:none;width:24px;height:24px;margin-top:2px;border-radius:50%;background:var(--coral) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/13px no-repeat}
.panel-dark{background:var(--navy);color:#fff;border-radius:var(--r-lg);padding:clamp(28px,5vw,60px);position:relative;overflow:hidden}
.panel-dark h2,.panel-dark h3{color:#fff}
.panel-dark .lede,.panel-dark p{color:#d3e9e6}
.panel-dark::after{content:"";position:absolute;right:-90px;top:-90px;width:300px;height:300px;border-radius:50%;border:44px solid rgba(255,85,88,.18)}
.panel-photo{position:relative;overflow:hidden;isolation:isolate}
.panel-photo>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.panel-photo::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(9,42,46,.95) 30%,rgba(9,42,46,.7))}
.panel-soft{background:var(--grey);border-radius:var(--r-lg);padding:clamp(28px,5vw,60px)}

/* stat facts */
.facts{display:grid;gap:12px}
.fact{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-left:4px solid var(--coral);border-radius:var(--r);padding:16px 18px}
.fact b{font-family:var(--head);font-size:1.7rem;font-weight:700;color:var(--navy);min-width:90px}
.fact span{color:var(--text);font-size:.95rem}
.panel-dark .fact{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.14);border-left-color:var(--coral)}
.panel-dark .fact b{color:#fff}
.panel-dark .fact span{color:#d3e9e6}
.src{font-size:.82rem;color:var(--muted);margin-top:14px}
.src a{color:inherit}

/* steps (inner pages) */
.steps{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr));counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;position:relative;transition:box-shadow .25s,transform .25s}
.step:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.step::before{counter-increment:s;content:"0" counter(s);display:block;font-family:var(--head);font-size:3rem;font-weight:700;line-height:1;color:transparent;-webkit-text-stroke:1.5px var(--navy);margin-bottom:18px}
.step:hover::before{color:var(--coral);-webkit-text-stroke-color:var(--coral)}
.step p{margin-top:8px;font-size:.95rem}

/* forms & tools */
.field{display:grid;gap:6px;min-width:0}
.field label,.flabel{font-size:.86rem;font-weight:600;color:var(--ink)}
.inp{position:relative}
.inp input,.field select,.inp select,textarea.ta{width:100%;border:1.5px solid var(--line);background:#fff;border-radius:14px;padding:12px 14px;min-height:52px;font-variant-numeric:tabular-nums;transition:border-color .15s,box-shadow .15s}
.inp.pre input{padding-left:30px}.inp.suf input{padding-right:44px}
.inp .p,.inp .s{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600;pointer-events:none}
.inp .p{left:14px}.inp .s{right:16px}
.inp input:focus,.field select:focus,textarea.ta:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 4px rgba(28,102,110,.12)}
.seg{display:flex;flex-wrap:wrap;gap:6px}
.seg button{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:9px 15px;font-weight:500;cursor:pointer;font-size:.92rem}
.seg button[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted);line-height:1.5}
.consent input{width:20px;height:20px;margin-top:1px;accent-color:var(--coral);flex:none}
.err{color:var(--coral-d);font-weight:600;font-size:.9rem}
.tool{display:grid;gap:24px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(18px,3vw,36px);box-shadow:var(--shadow-sm)}
@media (min-width:900px){.tool{grid-template-columns:1.1fr .9fr}}
.fields{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,210px),1fr));align-content:start}
.result{background:var(--navy);color:#fff;border-radius:var(--r);padding:28px;display:grid;gap:14px;align-content:start;position:relative;overflow:hidden}
.result::after{content:"";position:absolute;right:-70px;bottom:-70px;width:200px;height:200px;border-radius:50%;border:34px solid rgba(255,85,88,.18);pointer-events:none}
.result .lbl{color:#c6e2de;font-size:.9rem}
.result .big{font-family:var(--head);font-size:clamp(2.3rem,5vw,3.2rem);font-weight:700;line-height:1}
.result .kv{display:grid;grid-template-columns:1fr auto;gap:8px 14px;margin:0;font-size:.95rem}
.result .kv dt{color:#c6e2de}.result .kv dd{margin:0;font-weight:600;text-align:right}
.result small{color:#b5d8d3;font-size:.8rem;line-height:1.45}
.result .btn{position:relative;z-index:1}
.bars{display:flex;align-items:flex-end;gap:5px;height:90px}
.bars i{flex:1;background:rgba(255,255,255,.28);border-radius:3px 3px 0 0;min-height:3px}
.bars i.hi{background:var(--coral)}
.pill{display:inline-flex;gap:6px;align-items:center;width:max-content;padding:5px 12px;border-radius:999px;font-weight:600;font-size:.86rem}
.pill.ok{background:rgba(69,196,140,.2);color:#8ff0c2}
.pill.no{background:rgba(255,85,88,.22);color:#ffc1c2}
.pill.mid{background:rgba(240,168,60,.22);color:#ffd795}
.gate{background:var(--grey);border-radius:var(--r);padding:18px;display:grid;gap:12px}

/* page hero (inner) */
.phero{position:relative;overflow:hidden;isolation:isolate;background:var(--navy-2);color:#fff;padding-block:clamp(124px,12vw,170px) clamp(48px,7vw,90px)}
.phero>img.bgimg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.phero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(9,42,46,.94) 0%,rgba(9,42,46,.78) 55%,rgba(9,42,46,.55) 100%)}
.phero .wrap{display:grid;gap:30px;align-items:center}
@media (min-width:960px){.phero.has-aside .wrap{grid-template-columns:1.2fr .8fr}}
.phero h1{font-size:clamp(2.1rem,4.6vw,3.5rem);color:#fff}
.phero .lede{margin-top:18px;color:#dbefec}
.phero .cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.phero .btn-line{color:#fff;border-color:rgba(255,255,255,.75)}
.phero .btn-line:hover{background:#fff;color:var(--navy)}
.phero .meta-row{color:#c6e2de}
.phero .aside-card{color:var(--text)}
.phero .search{border-color:transparent}
.crumbs{display:inline-flex;flex-wrap:wrap;gap:4px;font-size:.84rem;color:#c6e2de;margin-bottom:18px;background:rgba(255,255,255,.1);padding:6px 14px;border-radius:999px;text-transform:uppercase;letter-spacing:.04em}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{color:var(--coral)}
.aside-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:var(--shadow)}
.aside-card h3{font-size:1.3rem}

/* prose */
.prose{max-width:760px;font-size:1.04rem;line-height:1.8;color:#484a52}
.prose h2{font-size:1.75rem;margin:1.8em 0 .55em}
.prose h3{font-size:1.28rem;margin:1.5em 0 .45em}
.prose p,.prose ul,.prose ol{margin:0 0 1.05em}
.prose li{margin-bottom:.35em}
.prose li::marker{color:var(--coral)}
.prose a{color:var(--coral);text-underline-offset:3px}
.prose table{border-collapse:collapse;width:100%;font-size:.95rem;font-variant-numeric:tabular-nums}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--navy);color:#fff;font-family:var(--head)}
.prose tr:nth-child(even) td{background:var(--grey)}
.tw{overflow-x:auto;margin:0 0 1.2em;border-radius:8px}
.prose blockquote{margin:1em 0;padding:.8em 1.2em;border-left:4px solid var(--coral);background:var(--grey);border-radius:0 8px 8px 0}
.prose em{color:var(--muted)}
.prose .lead-img{border-radius:var(--r-lg);overflow:hidden;margin:0 0 30px;aspect-ratio:16/8}
.prose .lead-img img{width:100%;height:100%;object-fit:cover}
.notice{display:grid;grid-template-columns:auto 1fr;gap:14px;background:var(--coral-soft);border:1px solid #ffcfd0;border-left:5px solid var(--coral);border-radius:var(--r);padding:20px 22px;margin:34px 0 0;font-size:.95rem;line-height:1.65;color:#3d3f47}
.notice svg{width:26px;height:26px;stroke:var(--coral);fill:none;stroke-width:2}
.notice b{color:var(--ink);font-family:var(--head);display:block;margin-bottom:4px;font-size:1.02rem}
.notice.top{margin:0 0 28px;padding:14px 18px;font-size:.88rem}
.notice.top svg{width:20px;height:20px}
.contact-box{display:grid;gap:14px;background:var(--navy);color:#fff;border-radius:var(--r-lg);padding:26px;margin-top:30px}
.contact-box h3{color:#fff}
.contact-box p{color:#d3e9e6}
.contact-box .btns{display:flex;flex-wrap:wrap;gap:10px}
.post-layout{display:grid;gap:44px}
@media (min-width:1080px){.post-layout{grid-template-columns:minmax(0,1fr) 330px}}
.sticky-side{position:sticky;top:100px;display:grid;gap:18px;align-self:start}
.meta-row{display:flex;flex-wrap:wrap;gap:8px 18px;color:var(--muted);font-size:.9rem;margin-top:16px}
.tag{display:inline-block;padding:5px 14px;border-radius:999px;background:var(--coral);color:#fff;font-weight:600;font-size:.8rem;text-decoration:none;letter-spacing:.03em}
.tag:hover{background:#fff;color:var(--coral)}

/* blog list */
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:var(--text);transition:transform .25s,box-shadow .25s}
.post-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);color:var(--text)}
.post-card .art{aspect-ratio:16/9;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy),var(--blue))}
.post-card .art img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.post-card:hover .art img{transform:scale(1.07)}
.post-card .body{padding:22px 24px 26px;display:flex;flex-direction:column;gap:8px;flex:1}
.post-card h3{font-size:1.18rem;transition:color .2s}
.post-card:hover h3{color:var(--coral)}
.post-card p{font-size:.93rem}
.post-card .meta-row{margin-top:auto;padding-top:6px}
.post-card .read{font-weight:600;color:var(--coral);font-size:.9rem}
.art .lab{position:absolute;left:14px;top:14px;z-index:1}
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.filters a{padding:8px 16px;border-radius:999px;border:1.5px solid var(--line);background:#fff;text-decoration:none;color:var(--ink);font-weight:500;font-size:.9rem}
.filters a.on,.filters a:hover{background:var(--coral);border-color:var(--coral);color:#fff}
.search{width:100%;max-width:440px;border:1.5px solid var(--line);border-radius:999px;padding:13px 20px;background:#fff;color:var(--ink)}

/* faq */
.faq{display:grid;gap:12px;max-width:900px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:2px 22px;transition:background .2s}
.faq summary{list-style:none;cursor:pointer;padding:17px 0;font-weight:600;font-family:var(--head);font-size:1.05rem;color:var(--ink);display:flex;justify-content:space-between;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--coral)}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:18px;font-size:.95rem}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;border-radius:var(--r-lg);padding:clamp(30px,5vw,60px);display:grid;gap:24px;align-items:center;position:relative;overflow:hidden;isolation:isolate}
.cta-band::after{content:"";position:absolute;right:-60px;top:-60px;width:240px;height:240px;border-radius:50%;border:40px solid rgba(255,85,88,.2);z-index:-1}
@media (min-width:900px){.cta-band{grid-template-columns:1.4fr auto}}
.cta-band h2{color:#fff}
.cta-band p{color:#d3e9e6;margin-top:10px}
.cta-band .btns{display:flex;flex-wrap:wrap;gap:12px}
.cta-band .phones{margin-top:14px;display:flex;flex-wrap:wrap;gap:6px 20px;font-size:.95rem}
.cta-band .phones a{color:#fff;font-weight:600;text-decoration:none}
.cta-band .phones a:hover{color:var(--coral)}

/* contact methods */
.methods{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr))}
.method{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;text-decoration:none;color:var(--text);transition:box-shadow .2s,transform .2s}
.method:hover{box-shadow:var(--shadow);transform:translateY(-3px);color:var(--text)}
.method .ci{width:48px;height:48px;border-radius:50%;background:var(--coral);display:grid;place-items:center;flex:none}
.method .ci svg{width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2}
.method .ci.wa{background:#25d366}
.method .ci.wa svg{fill:#fff;stroke:none}
.method b{display:block;font-family:var(--head);color:var(--ink);font-size:1.08rem}
.method small{font-size:.84rem;color:var(--muted)}

/* booking */
.book-frame{width:100%;min-height:1100px;border:0;border-radius:var(--r-lg);background:#fff}
@media (max-width:700px){.book-frame{min-height:1400px}}

/* footer */
.ftr{background:var(--navy-3);color:#b9d6d2;font-size:.93rem;margin-top:clamp(64px,9vw,120px)}
.ftr-band{background:#fff;border-top:1px solid var(--line)}
.ftr-top{display:grid;gap:22px;align-items:center;padding-block:30px}
@media (min-width:900px){.ftr-top{grid-template-columns:240px 1fr}}
.ftr-logo img{width:200px}
.ftr-news{display:grid;gap:16px;align-items:center}
@media (min-width:900px){.ftr-news{grid-template-columns:1fr minmax(320px,1.1fr)}}
.ftr-news h3{font-size:1.3rem;color:var(--ink)}
.ftr-news p{font-size:.88rem;color:var(--muted);margin-top:4px}
.ftr-news form{display:flex;gap:8px;flex-wrap:wrap}
.ftr-news input{flex:1;min-width:200px;min-height:52px;border-radius:999px;border:1.5px solid var(--line);background:var(--grey);color:var(--ink);padding:0 20px}
.ftr-news input:focus{outline:none;border-color:var(--navy)}
.ftr-main{display:grid;gap:40px;padding-block:56px 40px}
@media (min-width:980px){.ftr-main{grid-template-columns:1fr 1.7fr}}
.ftr-contact h2{color:#fff;font-size:clamp(1.6rem,2.8vw,2.2rem);margin-bottom:22px}
.ftr-contact .ln{display:flex;gap:14px;align-items:center;text-decoration:none;padding:9px 0}
.ftr-contact .ln .ci{width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;flex:none;transition:background .2s}
.ftr-contact .ln .ci svg{width:19px;height:19px;stroke:#fff;fill:none;stroke-width:2}
.ftr-contact .ln .ci.wa svg{fill:#fff;stroke:none}
.ftr-contact .ln:hover .ci{background:var(--coral)}
.ftr-contact .ln b{display:block;color:#fff;font-family:var(--head);font-size:1.12rem}
.ftr-contact .ln small{color:#8fb3ae;font-size:.8rem}
.ftr .soc{display:flex;gap:8px;margin-top:18px}
.ftr .soc a{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.08)}
.ftr .soc a:hover{background:var(--coral)}
.ftr .soc svg{width:16px;height:16px;fill:#fff}
.ftr .cols{display:grid;gap:30px;grid-template-columns:repeat(auto-fit,minmax(160px,1fr))}
@media (min-width:980px){.ftr .cols{border-left:1px solid rgba(255,255,255,.1);padding-left:40px}}
.ftr h4{color:#fff;font-size:1.08rem;margin-bottom:14px}
.ftr h4 a{color:#fff;text-decoration:none}
.ftr .cols a{color:#b9d6d2;text-decoration:none;display:block;padding:4px 0}
.ftr .cols a:hover,.ftr-areas a:hover{color:var(--coral)}
.ftr-areas{border-top:1px solid rgba(255,255,255,.1);padding-block:30px;display:grid;gap:8px}
.ftr-areas .sub{font-size:.85rem;color:#8fb3ae;margin-bottom:6px}
.area-st{font-size:.86rem;line-height:1.9}
.area-st b{display:inline-block;min-width:44px;color:#fff;font-family:var(--head)}
.ftr-areas a{color:#b9d6d2;text-decoration:none}
.ftr .legal{border-top:1px solid rgba(255,255,255,.1);padding-block:22px 30px;display:grid;gap:10px;font-size:.8rem;color:#8fb3ae;line-height:1.6}

/* lender strip */
.lenders{padding-block:44px 10px;overflow:hidden}
.lenders-t{text-align:center;font-family:var(--head);font-weight:600;color:var(--muted);font-size:.95rem;margin-bottom:20px}
.marquee{position:relative;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee .track{display:flex;gap:14px;width:max-content;animation:marq 55s linear infinite}
.marquee:hover .track{animation-play-state:paused}
@keyframes marq{to{transform:translateX(-50%)}}
.lender{display:grid;place-items:center;height:64px;min-width:150px;padding:0 24px;border-radius:999px;background:#fff;border:1px solid var(--line);font-family:var(--head);font-weight:700;color:var(--navy);white-space:nowrap;font-size:1rem}
.lender img{max-height:34px;width:auto;filter:grayscale(1);opacity:.85;transition:filter .3s,opacity .3s}
.lender:hover img{filter:none;opacity:1}

/* reviews */
.reviews .rv-stage{position:relative;max-width:820px;margin:0 auto;min-height:220px}
.rv{position:absolute;inset:0;display:grid;gap:14px;align-content:center;text-align:center;opacity:0;transform:translateY(10px);transition:opacity .6s,transform .6s;pointer-events:none}
.rv.on{opacity:1;transform:none;pointer-events:auto}
.rv .stars{color:#f5b301;font-size:1.3rem;letter-spacing:2px}
.rv blockquote{margin:0;font-size:clamp(1.05rem,1.8vw,1.3rem);line-height:1.6;color:var(--ink);font-family:var(--head)}
.rv cite{font-style:normal;color:var(--muted);font-size:.92rem}
.rv-dots{display:flex;justify-content:center;gap:8px;margin-top:16px}
.rv-dots button{width:10px;height:10px;border-radius:50%;border:0;background:var(--line);cursor:pointer;padding:0}
.rv-dots button.on{background:var(--navy);width:26px;border-radius:6px}

/* service areas */
.area-state{margin-top:34px}
.area-state h2{font-size:1.7rem;margin-bottom:16px}
.area-grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(min(100%,250px),1fr))}
.area-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:20px;display:grid;gap:10px;scroll-margin-top:110px;transition:box-shadow .25s,transform .25s}
.area-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.area-card:target{border-color:var(--coral);box-shadow:0 0 0 3px var(--coral-soft)}
.area-card h3{font-size:1.2rem}
.area-card h3 small{font-size:.75rem;color:#fff;background:var(--navy);padding:2px 8px;border-radius:999px;vertical-align:middle;margin-left:4px}
.area-card dl{display:grid;grid-template-columns:1fr auto;gap:6px 10px;margin:0;font-size:.9rem}
.area-card dt{color:var(--muted)}.area-card dd{margin:0;font-weight:600;color:var(--ink);text-align:right}
.area-card dd.up{color:var(--ok)}.area-card dd.down{color:var(--coral-d)}
.area-note{font-size:.82rem;color:var(--muted)}
.area-note:empty{display:none}
.phero .asat{margin-top:14px;font-size:.88rem;color:#c6e2de}

/* sticky mobile CTA */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:45;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px -16px rgba(10,40,44,.4);padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));display:grid;grid-template-columns:auto auto 1fr;gap:8px}
.mbar .btn{min-height:48px;padding:10px 14px}
.mbar .wa{background:#25d366;color:#fff;border:0}
.mbar .wa svg{fill:#fff;stroke:none}
body{padding-bottom:78px}
@media (min-width:1080px){.mbar{display:none}body{padding-bottom:0}}

/* funnel sheet */
.sheet{position:fixed;inset:0;z-index:80;display:grid;place-items:end center;background:rgba(8,30,33,.6);backdrop-filter:blur(4px)}
@media (min-width:720px){.sheet{place-items:center}}
.sheet-card{background:#fff;width:100%;max-width:640px;max-height:100%;overflow:auto;border-radius:16px 16px 0 0;border-top:4px solid var(--coral);padding:20px 20px calc(24px + env(safe-area-inset-bottom,0px));animation:up .25s ease}
@media (min-width:720px){.sheet-card{border-radius:12px;max-height:92vh;padding:30px 34px}}
@keyframes up{from{transform:translateY(24px);opacity:.5}}
.sheet-top{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.prog{flex:1;height:6px;border-radius:99px;background:var(--grey);overflow:hidden}
.prog i{display:block;height:100%;background:var(--coral);transition:width .3s}
.icon-btn{width:40px;height:40px;border-radius:50%;border:0;background:var(--grey);cursor:pointer;font-size:1.1rem;display:grid;place-items:center;flex:none;color:var(--ink)}
.qtitle{font-size:clamp(1.45rem,3.4vw,1.9rem);margin:6px 0}
.qsub{color:var(--muted);margin-bottom:18px}
.opts{display:grid;gap:10px}
.opt{display:flex;gap:14px;align-items:center;text-align:left;width:100%;border:1.5px solid var(--line);background:#fff;border-radius:16px;padding:15px 16px;cursor:pointer;font-weight:600;color:var(--ink);transition:border-color .15s,background .15s}
.opt:hover,.opt[aria-pressed=true]{border-color:var(--coral);background:#fff6f6}
.opt small{display:block;font-weight:400;color:var(--muted);font-size:.86rem}
.opt .dot{width:20px;height:20px;border-radius:50%;border:2px solid var(--lilac);flex:none}
.opt[aria-pressed=true] .dot{border:6px solid var(--coral)}
.qform{display:grid;gap:14px}
.sheet-foot{display:flex;gap:10px;margin-top:20px}.sheet-foot .btn{flex:1}
.done-ico{width:64px;height:64px;border-radius:50%;background:#e3f4ec;display:grid;place-items:center;margin-bottom:6px}
.done-ico svg{width:30px;height:30px;stroke:var(--ok);fill:none;stroke-width:3}
.snapbox{background:var(--grey);border-radius:var(--r);padding:16px;margin:16px 0}
.snapbox .kv{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:0}
.snapbox dd{margin:0;font-weight:600;text-align:right;color:var(--ink)}
.snapbox dt{color:var(--muted)}
.toast{position:fixed;left:50%;bottom:96px;transform:translateX(-50%);background:var(--navy);color:#fff;padding:12px 18px;border-radius:8px;font-weight:500;z-index:90;box-shadow:var(--shadow);max-width:calc(100% - 32px)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.rc-out{display:grid}
main{overflow-x:clip}
.prose .btn{text-decoration:none;color:#fff}
.prose .btn-line{color:var(--navy)}
.prose .btn-line:hover{color:#fff}
.prose .btn-ghost:hover{color:var(--navy)}
.prose .contact-box h3{margin:0}
.prose .notice b{margin-top:0}

/* refinance check (simple, blends into page) */
.refi-wrap{align-items:start}
.refi-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:clamp(20px,3vw,32px);box-shadow:var(--shadow-sm)}
.rc-title{font-family:var(--head);font-weight:700;font-size:1.25rem;color:var(--ink);margin-bottom:16px}
.rc-form{display:grid;gap:14px}
.rc-grid{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(min(100%,150px),1fr))}
.rc-out{display:grid;gap:12px;background:var(--mist);border-radius:20px;padding:22px}
.rc-out .lbl{color:var(--muted);font-size:.92rem}
.rc-out .big{font-family:var(--head);font-size:clamp(2rem,5vw,2.8rem);font-weight:700;color:var(--navy);line-height:1.05}
.rc-out .kv{display:grid;grid-template-columns:1fr auto;gap:8px 14px;margin:0;font-size:.95rem}
.rc-out .kv dt{color:var(--muted)}.rc-out .kv dd{margin:0;font-weight:600;color:var(--ink);text-align:right}
.rc-out small{color:var(--muted);font-size:.78rem;line-height:1.5}
@media (max-width:1399px){.hdr-actions .ic-btn.mail{display:none}.nav>a,.nav .dd>button{padding:10px 11px;font-size:.92rem}}
@media (max-width:640px){
 .hero .goals{display:grid;grid-template-columns:1fr 1fr;gap:8px}
 .goal{padding:7px 10px 7px 7px;font-size:.84rem}
 .hero .ctas .btn{flex:1 1 100%}
 .hero h1{font-size:2rem}
 .hdr{top:8px}
 .hdr .bar{min-height:58px;padding:0 6px 0 16px}
 .brand img{width:136px}
}
section[id],[id="refi-check"]{scroll-margin-top:100px}

/* why-choose: hover to expand, smooth */
.acc details{transition:background .3s}
.acc details>p{animation:accIn .3s ease}
@keyframes accIn{from{opacity:0;transform:translateY(-4px)}}
.acc details[open]{background:var(--navy)}
.acc summary:hover{color:var(--navy)}
.acc details[open] summary:hover{color:#fff}
/* FAQ hub */
.faq-hub{display:grid;gap:10px}
.faq-group{margin-top:30px}
.faq-group h2{font-size:1.6rem;margin-bottom:16px}
.faq .ans{padding-bottom:16px;font-size:.95rem}
.faq .ans p{padding-bottom:8px!important}
.faq .ans a{color:var(--navy)}
.faq .from{font-size:.85rem;color:var(--muted)}

/* live chat */
.fc{position:fixed;right:20px;bottom:20px;z-index:70;font-family:var(--font)}
@media (max-width:1079px){.fc{right:14px;bottom:88px}}
.fc-btn{width:60px;height:60px;border-radius:50%;border:0;background:var(--coral);color:#fff;display:grid;place-items:center;cursor:pointer;box-shadow:0 14px 30px -10px rgba(255,85,88,.7);position:relative;transition:transform .2s;animation:fcIn .6s 1.2s both}
.fc-btn:hover{transform:scale(1.06)}
.fc-btn svg{width:28px;height:28px;fill:none;stroke:#fff;stroke-width:2}
.fc-btn::after{content:"";position:absolute;inset:0;border-radius:50%;border:2px solid var(--coral);animation:fcRing 2.6s 2s infinite}
.fc.open .fc-btn::after{display:none}
@keyframes fcIn{from{transform:scale(0)}}
@keyframes fcRing{0%{transform:scale(1);opacity:.8}70%,100%{transform:scale(1.5);opacity:0}}
.fc-badge{position:absolute;top:-2px;right:-2px;min-width:22px;height:22px;border-radius:11px;background:var(--navy);color:#fff;font-size:.75rem;font-weight:700;display:grid;place-items:center;padding:0 6px;border:2px solid #fff}
.fc-panel{position:absolute;right:0;bottom:76px;width:min(380px,calc(100vw - 28px));height:min(560px,calc(100vh - 140px));background:#fff;border-radius:24px;box-shadow:0 30px 70px -20px rgba(8,30,33,.5);display:flex;flex-direction:column;overflow:hidden;animation:fcOpen .25s ease}
@keyframes fcOpen{from{opacity:0;transform:translateY(12px) scale(.98)}}
.fc-head{display:flex;gap:12px;align-items:center;padding:16px 16px 14px 18px;background:var(--navy);color:#fff}
.fc-head b{display:block;font-family:var(--head);font-size:1.05rem}
.fc-head small{font-size:.8rem;color:#cfe6e2}
.fc-av{width:40px;height:40px;border-radius:50%;background:var(--coral);display:grid;place-items:center;font-weight:700;font-family:var(--head)}
.fc-x{margin-left:auto;background:rgba(255,255,255,.14);border:0;color:#fff;width:34px;height:34px;border-radius:50%;font-size:1.3rem;cursor:pointer}
.fc-log{flex:1;overflow-y:auto;padding:16px;display:flex;flex-direction:column;gap:10px;background:var(--grey)}
.fc-m{max-width:86%;padding:10px 14px;border-radius:18px;font-size:.92rem;line-height:1.5;color:var(--ink);background:#fff;box-shadow:0 1px 2px rgba(0,0,0,.06);align-self:flex-start;border-bottom-left-radius:6px}
.fc-m.in{animation:fcMsg .25s ease}
@keyframes fcMsg{from{opacity:0;transform:translateY(6px)}}
.fc-m.visitor{align-self:flex-end;background:var(--navy);color:#fff;border-bottom-left-radius:18px;border-bottom-right-radius:6px}
.fc-m.staff{background:var(--mist)}
.fc-m a{color:var(--navy);font-weight:600}
.fc-who{display:block;font-size:.74rem;font-weight:700;color:var(--navy);margin-bottom:2px}
.fc-more{margin-top:6px;font-size:.84rem}
.fc-typing{display:flex;gap:4px;padding:14px}
.fc-typing i{width:7px;height:7px;border-radius:50%;background:var(--blue-3);animation:fcDot 1s infinite}
.fc-typing i:nth-child(2){animation-delay:.15s}.fc-typing i:nth-child(3){animation-delay:.3s}
@keyframes fcDot{50%{transform:translateY(-4px);opacity:.5}}
.fc-chips{display:flex;flex-wrap:wrap;gap:6px;padding:8px 12px 0;background:var(--grey)}
.fc-chips:empty{display:none}
.fc-chips button{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 12px;font-size:.82rem;cursor:pointer;color:var(--navy)}
.fc-chips button:hover{background:var(--navy);color:#fff}
.fc-form{display:flex;gap:8px;padding:12px;background:var(--grey);border-top:1px solid var(--line)}
.fc-in{flex:1;border:1px solid var(--line);border-radius:999px;padding:11px 16px;font-size:.95rem;background:#fff;min-width:0}
.fc-in:focus{outline:none;border-color:var(--navy)}
.fc-send{width:44px;height:44px;border-radius:50%;border:0;background:var(--coral);display:grid;place-items:center;cursor:pointer;flex:none}
.fc-send svg{width:20px;height:20px;fill:#fff}
.fc-foot{font-size:.7rem;color:var(--muted);text-align:center;padding:0 12px 8px;background:var(--grey)}
.fc-foot a{color:inherit}
.fc-contact{display:grid;gap:7px;margin-top:10px}
.fc-contact input:not([type=checkbox]){border:1px solid var(--line);border-radius:12px;padding:9px 12px;font-size:.9rem}
.fc-contact label{font-size:.76rem;color:var(--muted);display:flex;gap:6px;align-items:flex-start}
.fc-contact button{border:0;border-radius:999px;background:var(--coral);color:#fff;font-weight:600;padding:11px;cursor:pointer}
.fc-err{color:var(--coral-d);font-size:.8rem;font-weight:600}

/* gentle motion on highlighted text */
.eyebrow{position:relative;overflow:hidden;isolation:isolate}
.eyebrow::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(110deg,transparent 30%,rgba(255,255,255,.45) 50%,transparent 70%);transform:translateX(-120%);animation:shine 4.5s ease-in-out infinite}
.eyebrow.plain::after{display:none}
@keyframes shine{0%,55%{transform:translateX(-120%)}85%,100%{transform:translateX(120%)}}
.js .reveal .eyebrow,.js .reveal.eyebrow{animation:pop .6s cubic-bezier(.2,.8,.2,1.2) both;animation-play-state:paused}
.js .reveal.in .eyebrow,.js .reveal.in.eyebrow{animation-play-state:running}
@keyframes pop{from{transform:scale(.6);opacity:0}}
.hero h1 .w{display:inline-block;opacity:0;transform:translateY(.45em) rotate(2deg);animation:wordUp .7s cubic-bezier(.2,.8,.2,1) forwards}
@keyframes wordUp{to{opacity:1;transform:none}}
.hero h1 .w.hl{background:linear-gradient(90deg,#fff,#ffd1d2,#fff);background-size:200% 100%;-webkit-background-clip:text;background-clip:text;color:transparent;animation:wordUp .7s cubic-bezier(.2,.8,.2,1) forwards,hlMove 6s 1.5s ease-in-out infinite}
@keyframes hlMove{50%{background-position:100% 0}}
.sec-head h2,.why h2,.faqband h2{position:relative}
.js .reveal .hl-line{background:linear-gradient(transparent 62%,rgba(255,85,88,.22) 62%) no-repeat;background-size:0% 100%;transition:background-size 1.1s .3s ease}
.js .reveal.in .hl-line{background-size:100% 100%}
.trust .ic,.method .ci,.process .n{transition:transform .3s}
.trust div:hover .ic{transform:rotate(-8deg) scale(1.08)}
.qrefi .out b{display:inline-block;transition:transform .25s}
.qrefi .out b.bump{animation:bump .4s ease}
@keyframes bump{40%{transform:scale(1.12)}}
.ftr{margin-top:0}
.faqband .hl-line,.panel-dark .hl-line,.cta-band .hl-line{background-image:linear-gradient(transparent 62%,rgba(255,85,88,.45) 62%)!important}
/* phone layout: tighter, two-up cards, no endless scrolling */
@media (max-width:640px){
 .section{padding-block:52px}.section.tight{padding-block:40px}
 h2{font-size:1.75rem}
 .grid.g4{grid-template-columns:1fr 1fr;gap:10px}
 .g4 .card{padding:16px;gap:8px;border-radius:18px}
 .g4 .card p{display:none}
 .g4 .card h3{font-size:.98rem}
 .g4 .card .ic{width:40px;height:40px}.g4 .card .ic svg{width:20px;height:20px}
 .g4 .card .link-arrow{font-size:.85rem}
 .process .p{padding:12px 20px}.process .n{font-size:2.4rem}.process h3{margin-top:10px;font-size:1.15rem}
 .rc-grid{grid-template-columns:1fr 1fr}
 .rc-grid .field:last-child:nth-child(odd){grid-column:1/-1}
 .sec-head{margin-bottom:26px}
 .split{gap:28px}
 .why .txt{padding:44px 16px}
 .acc summary{padding:16px 16px;gap:12px;font-size:1.02rem}
 .acc details p{padding:0 16px 18px 58px}
 .faqband .fq{padding:44px 16px}
 .ftr-main{padding-block:40px 28px}
 .lender{min-width:120px;height:54px;font-size:.9rem}
 .pcard .body{padding:18px}
 .qrefi{padding:20px}
}
@media (max-width:640px){.filters{flex-wrap:nowrap;overflow-x:auto;padding-bottom:6px;-webkit-overflow-scrolling:touch;scrollbar-width:none}.filters a{white-space:nowrap;flex:none}}
.fc-arts{display:grid;gap:6px;margin:8px 0 4px}
.fc-art{display:block;padding:9px 11px;border:1px solid var(--line);border-radius:12px;background:#fff;text-decoration:none!important;transition:border-color .2s,transform .2s}
.fc-art:hover{border-color:var(--navy);transform:translateX(2px)}
.fc-art b{display:block;color:var(--navy);font-size:.88rem;line-height:1.3}
.fc-art span{display:block;color:var(--muted);font-size:.78rem;font-weight:400;line-height:1.35;margin-top:2px}
.fc-read{display:inline-block;margin-top:6px}
.fc-panel{width:min(400px,calc(100vw - 28px))}
.fc-src{display:block;font-size:.76rem;color:var(--muted);margin-bottom:6px}.fc-src a{font-weight:600}

/* ===== round 3 tweaks ===== */
/* 3: every button turns white with dark lettering on hover */
.btn:hover,.btn-coral:hover,.btn-blue:hover,.btn-navy:hover,.btn-line:hover,.btn-ghost:hover,.btn-white:hover,.mbar .btn:hover{background:#fff!important;color:#111!important;box-shadow:0 0 0 1.5px #111,0 10px 22px -12px rgba(0,0,0,.35)!important;border-color:#111!important}
.btn:hover svg{stroke:#111}.mbar .wa:hover svg{fill:#111}
/* 10: header bar turns teal (not white) when hovered or scrolled; logo stays the coloured/white version */
.hdr.scrolled .bar{background:rgba(28,102,110,.9);border-color:rgba(255,255,255,.14);box-shadow:0 12px 32px -18px rgba(5,30,33,.6)}
.hdr:hover .bar,.hdr.menu-open .bar,.hdr:focus-within .bar{background:var(--navy);border-color:var(--navy);box-shadow:0 14px 34px -18px rgba(5,30,33,.6)}
.hdr .brand .lg-dark{opacity:0!important}.hdr .brand .lg-light{opacity:1!important}
.hdr.scrolled .nav>a,.hdr.scrolled .nav .dd>button,.hdr:hover .nav>a,.hdr:hover .nav .dd>button,.hdr:focus-within .nav>a,.hdr:focus-within .nav .dd>button{color:#fff}
.hdr.scrolled .ic-btn,.hdr:hover .ic-btn,.hdr:focus-within .ic-btn{background:rgba(255,255,255,.14);color:#fff}
.hdr.scrolled .menu-btn,.hdr.menu-open .menu-btn,.hdr:hover .menu-btn{background:rgba(255,255,255,.16);color:#fff}
/* 12: menu items never vanish - white pill with dark text on hover/tap */
.nav>a:hover,.nav>a:focus-visible,.nav .dd>button:hover,.nav .dd.open>button{background:#fff!important;color:#111!important}
.ic-btn:hover{background:#fff!important;color:#111!important}
/* 1: long dropdowns scroll inside themselves and stay reachable */
.mega{max-height:calc(100vh - 120px);overflow-y:auto;overscroll-behavior:contain}
@media (max-height:760px){.mega{grid-template-columns:repeat(2,minmax(220px,1fr))}}
/* 7: loan icons teal by default, coral when touched */
.card .ic{background:var(--navy)}
.card .ic svg{stroke:#fff}
a.card:hover .ic,a.card:active .ic,a.card:focus-visible .ic{background:var(--coral)}
a.card:hover h3{color:var(--navy)}
/* 2 + 9: icon-and-number contact rows */
.cta-band .phones{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.cta-band .phones a,.num-row a{display:inline-flex;align-items:center;gap:10px;padding:8px 16px 8px 8px;border-radius:999px;background:rgba(255,255,255,.12);color:#fff;font-weight:600;text-decoration:none;font-family:var(--head);transition:background .2s,color .2s}
.cta-band .phones a:hover{background:#fff;color:#111}
.ph-ic{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--coral);flex:none}
.ph-ic svg{width:17px;height:17px;stroke:#fff;fill:none;stroke-width:2}
.ph-ic.wa{background:#25d366}.ph-ic.wa svg{fill:#fff;stroke:none}
.ph-ic.sms{background:var(--navy)}
.methods.simple .method{padding:14px 16px}
.methods.simple .method b{font-size:1.15rem}
/* 4 + 5: hero right side - RBA headline pill and a slim glass refinance check */
.hero-side{display:grid;gap:14px;justify-self:end;width:100%;max-width:470px}
@media (max-width:999px){.hero-side{justify-self:stretch;max-width:none}}
.rba-pill{display:flex;align-items:center;gap:14px;padding:14px 18px;border-radius:22px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.24);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);color:#fff;text-decoration:none;transition:background .25s,transform .25s}
.rba-pill:hover{background:rgba(255,255,255,.2);transform:translateY(-2px);color:#fff}
.rba-pill .big{font-family:var(--head);font-weight:700;font-size:2rem;line-height:1;background:linear-gradient(90deg,#fff,#ffb3b4,#fff);background-size:200% 100%;-webkit-background-clip:text;background-clip:text;color:transparent;animation:hlMove 5s ease-in-out infinite}
.rba-pill .lb{display:block;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:#ffd2d3;font-weight:700}
.rba-pill .tx{font-size:.88rem;line-height:1.35;color:#e3f1ef}
.rba-pill .dot{width:10px;height:10px;border-radius:50%;background:var(--coral);flex:none;box-shadow:0 0 0 0 rgba(255,85,88,.6);animation:pulse 2s infinite}
.qrefi{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.24);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);color:#fff;padding:18px 20px;border-radius:24px;box-shadow:none;max-width:none;justify-self:stretch}
.qrefi .tagline{color:#ffd2d3}
.qrefi h2{display:none}
.qrefi .row2{margin-top:10px;grid-template-columns:1.2fr .8fr 1fr;align-items:end}
.qrefi .field label{color:#e3f1ef;font-size:.78rem}
.qrefi .inp input{background:rgba(255,255,255,.92);min-height:44px;border-color:transparent;border-radius:999px;padding-top:8px;padding-bottom:8px}
.qrefi .out{margin:0;padding:6px 4px;background:none;flex-direction:column;align-items:flex-start;gap:0}
.qrefi .out span{color:#cfe6e2;font-size:.74rem}
.qrefi .out b{color:#fff;font-size:1.55rem}
.qrefi .btn{margin-top:12px;min-height:46px}
.qrefi small{color:#b9d6d2;font-size:.7rem}
@media (max-width:640px){.qrefi .row2{grid-template-columns:1fr 1fr}.qrefi .out{grid-column:1/-1;flex-direction:row;justify-content:space-between;align-items:center}}
/* 6: why-choose accordion without flicker */
.acc2{margin-top:30px;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.acc2 .ai{border-top:1px solid var(--line);transition:background-color .35s ease}
.acc2 .ai:first-child{border-top:0}
.acc2 .ah{all:unset;box-sizing:border-box;width:100%;cursor:pointer;display:grid;grid-template-columns:auto 1fr auto;gap:18px;align-items:center;padding:22px 26px;font-family:var(--head);font-weight:600;font-size:1.18rem;color:var(--ink);-webkit-tap-highlight-color:transparent;transition:color .3s}
.acc2 .ah svg{width:30px;height:30px;stroke:var(--navy);fill:none;stroke-width:1.8;transition:stroke .3s}
.acc2 .ab{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s ease}
.acc2 .ab>div{overflow:hidden}
.acc2 .ab p{padding:0 26px 24px 74px;margin:0;color:inherit}
.acc2 .ai.on{background:var(--navy);color:#fff}
.acc2 .ai.on .ah{color:#fff}.acc2 .ai.on .ah svg{stroke:#fff}
.acc2 .ai.on .ab{grid-template-rows:1fr}
@media (max-width:640px){.acc2 .ah{padding:16px;gap:12px;font-size:1.02rem}.acc2 .ab p{padding:0 16px 18px 58px}}
.qrefi .inp input{color:#111}
.goal{text-align:left;justify-content:flex-start}
.faqband .img img{object-position:18% 30%}
.fc-ai p{margin:0 0 6px}.fc-ai p:last-child{margin:0}.fc-ai ul{margin:4px 0 6px;padding-left:18px}.fc-ai li{margin:2px 0}

/* credit guide */
.cg-ver{font-size:.9rem;color:var(--muted,#6b7476)}
.cg .tbc{background:#fff3b0;color:#5a4500;border-radius:4px;padding:0 4px}
.cg-toc{background:var(--mist);border-radius:20px;padding:20px 24px;margin:8px 0 10px}
.cg-toc b{font-family:"DM Sans",system-ui,sans-serif;color:var(--navy)}
.cg-toc ol{columns:2 220px;margin:10px 0 0;padding-left:20px;font-size:.95rem}
.cg-toc a{color:var(--navy);text-decoration:none}.cg-toc a:hover{color:var(--coral)}
.cg h2{scroll-margin-top:110px}
.cg-cards{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));margin:6px 0 18px}
.cg-card{border:1px solid #dbe8e6;border-radius:20px;padding:18px 20px;background:#fff}
.cg-card h3{margin:0 0 8px;font-size:1.05rem;color:var(--navy)}
.cg-card p{margin:0 0 8px;font-size:.96rem;line-height:1.6}
.cg-steps{padding-left:22px}.cg-steps li{margin-bottom:8px}
.cg table{width:100%;border-collapse:collapse;font-size:.96rem;margin:0 0 1.2em}
.cg th,.cg td{border-bottom:1px solid #dbe8e6;padding:9px 12px;text-align:left}
.cg th{background:var(--mist);color:var(--navy);font-family:"DM Sans",system-ui,sans-serif}
.cg-eg{background:#f2f7f6;border-left:4px solid var(--coral);border-radius:0 14px 14px 0;padding:12px 16px}
.cg-steps2{display:grid;gap:14px;margin:8px 0 20px}
.cg-steps2>div{position:relative;border:1px solid #dbe8e6;border-radius:20px;padding:16px 18px 14px 64px;background:#fff}
.cg-steps2>div>span{position:absolute;left:18px;top:16px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.cg-steps2 h3{margin:2px 0 6px;font-size:1.08rem}.cg-steps2 p{margin:0;font-size:.97rem;line-height:1.65}
.cg-foot{font-size:.88rem;color:var(--muted,#6b7476);border-top:1px solid #dbe8e6;padding-top:14px;margin-top:28px}
@media print{header,footer,.hdr,.mbar,.fc,.fc-btn,#fw-btn,.phero .cta,.cg-toc,.skip{display:none!important}
.phero{background:none!important;color:#000;padding:0 0 10px!important}.phero::before,.phero img{display:none}.phero h1,.phero .lede,.crumbs{color:#000!important;background:none}
.cg .tbc{background:none}.prose{max-width:none;font-size:11pt;line-height:1.5}.cg-card,.cg-steps2>div{break-inside:avoid}}

.cg-lenders{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0!important}.cg-lenders li{margin:0;background:var(--mist);color:var(--navy);border-radius:999px;padding:6px 14px;font-weight:600;font-size:.94rem}.cg-lenders li::before{display:none}

/* reviews: card grid */
.reviews .rv-stage{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));max-width:1180px;min-height:0;margin:0 auto}
.rvc{position:relative;margin:0;background:#fff;border:1px solid #dbe8e6;border-radius:24px;padding:26px 24px 20px;display:flex;flex-direction:column;gap:12px;box-shadow:0 10px 30px rgba(14,58,63,.06);transition:transform .3s,box-shadow .3s}
.rvc:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(14,58,63,.12)}
.rvc::before{content:"\201C";position:absolute;top:-6px;right:20px;font:700 5.5rem/1 Georgia,serif;color:var(--coral);opacity:.18}
.rvc .stars{color:#f5b301;letter-spacing:2px;font-size:1.05rem}
.rvc blockquote{margin:0;color:var(--ink,#122b2e);font-size:.98rem;line-height:1.65;max-height:11.6em;overflow:hidden;-webkit-mask-image:linear-gradient(#000 75%,transparent);mask-image:linear-gradient(#000 75%,transparent)}
.rvc blockquote p{margin:0 0 .6em}
.rvc.open blockquote{max-height:none;-webkit-mask-image:none;mask-image:none}
.rv-more{align-self:flex-start;border:0;background:none;color:var(--navy);font-weight:700;padding:0;cursor:pointer;font-size:.9rem}
.rv-more:hover{color:var(--coral)}
.rvc figcaption{margin-top:auto;display:flex;align-items:center;gap:8px;font-size:.88rem;color:var(--muted,#667476);border-top:1px solid #e8f0ef;padding-top:12px}
.rvc figcaption b{color:var(--ink,#122b2e)}
@media (max-width:640px){.reviews .rv-stage{grid-template-columns:none;grid-auto-flow:column;grid-auto-columns:86%;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 4px 16px}.rvc{scroll-snap-align:start}.rvc:hover{transform:none}}

/* round 6: keep header actions inside the bar */
.hdr .ic-btn.mail{display:none!important}
.hdr .bar>.brand,.hdr .hdr-actions{flex:none}
.hdr .nav{flex:0 1 auto;min-width:0;white-space:nowrap}
.hdr-actions .btn{white-space:nowrap}
@media (min-width:1080px) and (max-width:1219px){.nav>a,.nav .dd>button{padding:10px 8px;font-size:.9rem}.hdr-actions{gap:6px;margin-left:4px}}

/* round 6: funnel in Finfident teal */
.sheet{background:rgba(9,42,46,.72)}
.sheet-card{border-top:0;background:linear-gradient(180deg,var(--mist) 0,#fff 150px);box-shadow:0 30px 80px -30px rgba(5,30,33,.7);position:relative}
.sheet-card::before{content:"";position:absolute;inset:0 0 auto 0;height:6px;background:linear-gradient(90deg,var(--navy),#2a8a94)}
@media (min-width:720px){.sheet-card{border-radius:24px}}
.prog{background:#d3e7e4}.prog i{background:var(--navy)}
.icon-btn{background:#fff;color:var(--navy);border:1px solid #d3e7e4}.icon-btn:hover{background:var(--navy);color:#fff}
.qtitle{color:var(--navy-3)}
.opt{border-color:#d3e7e4;border-radius:18px}
.opt:hover{border-color:var(--navy);background:#f2f9f8;transform:translateY(-1px)}
.opt[aria-pressed=true]{border-color:var(--navy);background:var(--mist)}
.opt .dot{border-color:#9fc9c4}.opt[aria-pressed=true] .dot{border:6px solid var(--navy)}
.sheet-card input:focus,.sheet-card select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(28,102,110,.18);outline:0}
.sheet-foot .btn-coral,.sheet-foot .btn-primary{background:var(--navy);border-color:var(--navy);color:#fff}

/* round 6: contact methods */
.cmethods{gap:10px}
.method.cm{padding:14px 18px;border-color:#dbe8e6;border-radius:18px;transition:background .25s,border-color .25s,transform .25s,box-shadow .25s}
.method.cm .cm-t{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap}
.method.cm em{font-style:normal;font-weight:600;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);min-width:78px;transition:color .25s}
.method.cm b{font-size:1.12rem;transition:color .25s}
.method.cm .ci{background:var(--navy);transition:background .25s,transform .35s}
.method.cm .ci.yt{background:#ff0000}.method.cm .ci.tt{background:#111}
.method.cm .ci.yt svg,.method.cm .ci.tt svg{fill:#fff;stroke:none}
.method.cm:hover,.method.cm:focus-visible{background:var(--navy);border-color:var(--navy);transform:translateX(6px);box-shadow:0 14px 30px -16px rgba(14,58,63,.6)}
.method.cm:hover em,.method.cm:hover b,.method.cm:focus-visible em,.method.cm:focus-visible b{color:#fff}
.method.cm:hover .ci{background:var(--coral);transform:rotate(-8deg) scale(1.08)}
.method.cm:hover .ci.wa{background:#25d366}

/* round 6: footer Ask AI + 4 link columns */
@media (min-width:980px){.ftr-main{grid-template-columns:.9fr 2fr}}
.ftr .cols{grid-template-columns:repeat(auto-fit,minmax(150px,1fr))}
.askai{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;border-top:1px solid rgba(255,255,255,.1);padding-block:20px;color:#dbefec;font-family:var(--head);font-weight:600}
.askai div{display:flex;gap:10px}
.askai a{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.08);transition:background .25s,transform .25s}
.askai a:hover{background:#fff;transform:translateY(-3px)}
.askai svg{width:20px;height:20px;fill:#fff;transition:fill .25s}
.askai a:hover svg{fill:var(--navy)}

/* round 6: useful links */
.ul-group{margin-bottom:40px}
.ul-group h2{font-size:clamp(1.3rem,2.4vw,1.7rem);margin:0 0 16px;color:var(--navy-3)}
.ul-grid{display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.ul-card{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid #dbe8e6;border-left:4px solid var(--navy);border-radius:18px;padding:18px 20px;text-decoration:none;color:var(--text);transition:transform .25s,box-shadow .25s,border-color .25s,background .25s}
.ul-card b{font-family:var(--head);color:var(--ink);font-size:1.05rem}
.ul-card span{font-size:.94rem;line-height:1.55;color:#4d5a5c}
.ul-card small{margin-top:auto;padding-top:6px;color:var(--navy);font-weight:600;font-size:.82rem}
.ul-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px -18px rgba(14,58,63,.5);border-left-color:var(--coral);background:#f7fbfa}
.ul-note{font-size:.92rem;color:var(--muted);border-top:1px solid #dbe8e6;padding-top:16px}
/* Learnings hub: jump links + videos */
.hub-jump{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px}
.hub-jump a{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:8px 16px;text-decoration:none;font-weight:600;font-size:.92rem;transition:background .2s,color .2s}
.hub-jump a:hover{background:#fff;color:var(--navy)}
.vids .sec-head{display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap}
.vid-soon{display:flex;flex-direction:column;gap:8px;align-items:flex-start;justify-content:center;border:2px dashed #b9d6d2;border-radius:var(--r-lg,24px);padding:28px;text-decoration:none;color:var(--text);background:var(--mist);min-height:200px;transition:border-color .2s,background .2s}
.vid-soon:hover{border-color:#ff0000;background:#fff}
.vid-soon .yt svg{width:44px;height:44px;fill:#ff0000}
.vid-soon b{font-family:var(--head);font-size:1.2rem;color:var(--ink)}
.vcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg,24px);overflow:hidden;display:flex;flex-direction:column}
.vcard .vthumb{position:relative;aspect-ratio:16/9;background:#000;border:0;padding:0;cursor:pointer;display:block;width:100%}
.vcard .vthumb img{width:100%;height:100%;object-fit:cover;opacity:.9;transition:opacity .25s,transform .5s}
.vcard .vthumb:hover img{opacity:1;transform:scale(1.04)}
.vcard .vthumb i{position:absolute;inset:0;margin:auto;width:66px;height:46px;border-radius:14px;background:#ff0000;display:grid;place-items:center}
.vcard .vthumb i::after{content:"";border-left:16px solid #fff;border-top:10px solid transparent;border-bottom:10px solid transparent;margin-left:4px}
.vcard iframe{width:100%;aspect-ratio:16/9;border:0;display:block}
.vcard .body{padding:16px 18px}
.vcard h3{font-size:1.05rem;margin:0}
.vcard small{color:var(--muted)}
/* staff-written posts */
.post-body figure{margin:1.4em 0}.post-body figure img{width:100%;border-radius:18px}.post-body figcaption{font-size:.88rem;color:var(--muted);margin-top:6px;text-align:center}
.post-body img{max-width:100%;height:auto;border-radius:14px}
.post-body .vid{position:relative;aspect-ratio:16/9;margin:1.4em 0;border-radius:18px;overflow:hidden;background:#000}.post-body .vid iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

/* round 7: calculators */
.va-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg,24px);padding:clamp(8px,2vw,24px);box-shadow:var(--shadow-sm);overflow:hidden}
.VisiCalcClass{display:block;width:100%;min-height:820px;border:0;background:url("/img/icon-180.png") 50% 120px/56px no-repeat}
@media (max-width:767px){.VisiCalcClass{min-height:1250px}#Borrowing_Power_Calculator{min-height:1800px}#Home_Loan_Offset_Calculator{min-height:1400px}#Stamp_Duty_Calculator{min-height:1250px}#Rent_vs_Buy_Calculator{min-height:1900px}#Income_Tax_Calculator{min-height:1300px}#Loan_Repayment_Calculator{min-height:1250px}}
.calc-cta{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between;background:var(--mist);border-radius:20px;padding:18px 22px;margin-top:18px}
.calc-cta div{flex:1 1 260px}.calc-cta b{display:block;font-family:var(--head);color:var(--navy-3);font-size:1.1rem}.calc-cta span{color:#4d5a5c;font-size:.94rem}
.calc-disc{margin-top:22px;border-top:1px solid var(--line);padding-top:18px;font-size:.86rem;line-height:1.65;color:#5d6a6c}
.calc-disc h3{font-size:1rem;margin:0 0 8px;color:var(--navy-3)}.calc-disc p{margin:0 0 8px;max-width:none}
.lvr-bar{position:relative;height:12px;border-radius:99px;background:linear-gradient(90deg,#3fae7a 0 80%,#f0b33c 80% 90%,#ff8a5b 90% 95%,#e5484d 95%);margin:14px 0 26px}
.lvr-bar i{position:absolute;top:-5px;width:4px;height:22px;border-radius:3px;background:var(--ink,#122b2e);transition:left .3s;left:80%}
.lvr-bar span{position:absolute;top:16px;transform:translateX(-50%);font-size:.72rem;color:var(--muted)}
.rate-note{font-size:.82rem}
.rp-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;position:relative;transition:transform .25s,box-shadow .25s}
.rp-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px -18px rgba(14,58,63,.45)}
.rp-card h3{font-size:1.15rem;margin:14px 0 6px}.rp-card p{margin:0;color:#4d5a5c}
.rp-n{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-family:var(--head)}

/* round 8: images beside accordions keep their size when items open */
.why .img img.fixh,.faqband .img img.fixh{inset:auto;left:0;right:0;top:-120px;width:100%;transform:none!important;transition:none!important}
/* round 8: dropdown items keep text inside the hover box */
.mega{gap:6px!important}
.mega a{min-width:0;white-space:normal;overflow-wrap:anywhere;padding:12px 16px!important;border-radius:14px}
.mega a span{white-space:normal}
.hdr .nav .mega{white-space:normal;min-width:620px;grid-template-columns:repeat(2,minmax(270px,1fr))}
@media (max-height:760px){.hdr .nav .mega{grid-template-columns:repeat(2,minmax(270px,1fr))}}
/* round 8: labels on call / text / WhatsApp icons */
[data-tip]{position:relative}
[data-tip]::after{content:attr(data-tip);position:absolute;left:50%;top:calc(100% + 8px);transform:translate(-50%,4px);background:var(--ink,#122b2e);color:#fff;font:600 .74rem/1 var(--body,Inter),sans-serif;padding:6px 9px;border-radius:8px;white-space:nowrap;opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;z-index:60}
[data-tip]:hover::after,[data-tip]:focus-visible::after{opacity:1;transform:translate(-50%,0)}
.phones .ph-sms{margin-right:-6px}
.mbar .sms{flex:none;width:52px;padding:0;display:grid;place-items:center}
.mbar .sms svg{width:22px;height:22px}
.mbar{grid-template-columns:auto auto auto 1fr}
.mbar .sms{width:auto;padding:10px 14px}
/* ocean sound toggle */
.ocean-btn{position:absolute;left:clamp(16px,4vw,48px);bottom:28px;z-index:5;display:inline-flex;align-items:center;gap:10px;border:1px solid rgba(255,255,255,.35);background:rgba(255,255,255,.12);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);color:#fff;border-radius:999px;padding:9px 16px 9px 12px;font:600 .86rem var(--body,Inter),sans-serif;cursor:pointer;transition:background .25s,color .25s}
.ocean-btn:hover{background:#fff;color:#111}
.ocean-btn .ob-ic{display:inline-flex;align-items:flex-end;gap:2px;height:16px}
.ocean-btn .ob-ic i{width:3px;height:5px;border-radius:2px;background:currentColor;opacity:.85}
.ocean-btn.on .ob-ic i{animation:obw 1.2s ease-in-out infinite}
.ocean-btn.on .ob-ic i:nth-child(2){animation-delay:.15s}.ocean-btn.on .ob-ic i:nth-child(3){animation-delay:.3s}.ocean-btn.on .ob-ic i:nth-child(4){animation-delay:.45s}
@keyframes obw{0%,100%{height:4px}50%{height:15px}}
.ocean-btn.on .ob-t::after{content:" on"}
@media (max-width:640px){.ocean-btn{bottom:18px;padding:8px 12px}.ocean-btn .ob-t{font-size:.8rem}}
@media (prefers-reduced-motion:reduce){.ocean-btn.on .ob-ic i{animation:none;height:10px}}
/* round 8: handbooks */
.gd-grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fill,minmax(290px,1fr))}
.gd-card{background:#fff;border:1px solid var(--line);border-radius:24px;overflow:hidden;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}
.gd-card:hover{transform:translateY(-5px);box-shadow:0 20px 40px -22px rgba(14,58,63,.5)}
.gd-cover{background:linear-gradient(135deg,var(--mist),#cfe5e1);padding:26px 26px 0;display:flex;justify-content:center;height:230px;overflow:hidden}
.gd-cover img{width:62%;height:auto;align-self:flex-start;border-radius:6px 6px 0 0;box-shadow:0 18px 30px -12px rgba(14,58,63,.45);transition:transform .4s}
.gd-card:hover .gd-cover img{transform:translateY(-6px) rotate(-1.5deg)}
.gd-body{padding:20px 22px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.gd-body h3{font-size:1.15rem;margin:0}.gd-body p{margin:0;color:#4d5a5c;font-size:.95rem;flex:1}
.gd-meta{font-size:.78rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--coral)}
.gd-body .btn{align-self:flex-start;margin-top:6px}
.gate{position:fixed;inset:0;z-index:90;background:rgba(9,42,46,.72);display:grid;place-items:center;padding:16px}
.gate-card{background:linear-gradient(180deg,var(--mist) 0,#fff 140px);border-radius:24px;max-width:460px;width:100%;padding:26px;position:relative;box-shadow:0 30px 80px -30px rgba(5,30,33,.7);max-height:92vh;overflow:auto}
.gate-card h3{margin:0 0 6px;color:var(--navy-3);font-size:1.35rem}
.gate-card p{margin:0 0 12px;color:#4d5a5c}
.gate-card label{display:block;font-weight:600;font-size:.88rem;margin:10px 0 4px}
.gate-card input[type=text],.gate-card input[type=email],.gate-card input[type=tel]{width:100%;border:1.5px solid var(--line);border-radius:14px;padding:11px 14px;font:inherit}
.gate-card .ck{display:flex;gap:8px;align-items:flex-start;font-weight:400;font-size:.84rem;color:#4d5a5c;margin-top:12px}
.gate-card .x{position:absolute;right:14px;top:14px;width:36px;height:36px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:1.1rem}
.gate-card .btn{width:100%;margin-top:16px}
.gate-card .err{color:#c8282c;font-size:.88rem;margin-top:8px}
/* round 8: 360° assessment */
.as-hero{padding-bottom:clamp(40px,5vw,70px)}
.as-sec{padding-top:0;margin-top:-40px;position:relative;z-index:2}
.as-app{scroll-margin-top:100px}
.as-shell{display:grid;gap:0;background:#fff;border:1px solid var(--line);border-radius:28px;overflow:hidden;box-shadow:0 30px 60px -36px rgba(14,58,63,.45)}
@media(min-width:900px){.as-shell{grid-template-columns:280px 1fr}}
.as-side{background:linear-gradient(180deg,var(--navy),var(--navy-3));color:#fff;padding:28px 24px}
.as-side>b{font-family:var(--head);font-size:1.1rem}
.as-side ol{list-style:none;padding:0;margin:18px 0;display:grid;gap:10px}
.as-side li{display:flex;gap:10px;align-items:center;color:#a9cfc9;font-size:.95rem}
.as-side li span{width:28px;height:28px;border-radius:50%;border:1.5px solid rgba(255,255,255,.35);display:grid;place-items:center;font-size:.8rem;font-weight:700;flex:none}
.as-side li.on{color:#fff;font-weight:600}.as-side li.on span{background:var(--coral);border-color:var(--coral)}
.as-side li.done span{background:#fff;color:var(--navy);border-color:#fff}
.as-side p{font-size:.8rem;color:#a9cfc9;margin:0}
@media(max-width:899px){.as-side ol{display:none}.as-side{padding:16px 20px}.as-side p{margin-top:4px}}
.as-main{padding:clamp(20px,3.5vw,40px)}
.as-prog{height:6px;border-radius:99px;background:#dbe8e6;overflow:hidden;margin-bottom:14px}.as-prog i{display:block;height:100%;background:var(--navy);transition:width .4s}
.as-step{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--coral)}
.as-main h2{margin:6px 0 4px;font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy-3)}
.as-main h3{font-size:1rem;margin:22px 0 10px;color:var(--ink)}
.as-sub{color:var(--muted);margin:0 0 14px}
.as-opts{display:grid;gap:10px}@media(min-width:700px){.as-opts{grid-template-columns:1fr 1fr}}
.as-opt{display:flex;gap:12px;align-items:center;text-align:left;border:1.5px solid #d3e7e4;background:#fff;border-radius:18px;padding:14px 16px;cursor:pointer;font:inherit;color:var(--ink);transition:border-color .2s,background .2s,transform .2s}
.as-opt:hover{border-color:var(--navy);transform:translateY(-1px)}
.as-opt[aria-pressed=true]{border-color:var(--navy);background:var(--mist)}
.as-opt .dot{width:20px;height:20px;border-radius:50%;border:2px solid #9fc9c4;flex:none}.as-opt[aria-pressed=true] .dot{border:6px solid var(--navy)}
.as-opt b{display:block}.as-opt small{color:var(--muted);font-size:.85rem}
.as-chips{display:flex;flex-wrap:wrap;gap:8px}
.as-chip{border:1.5px solid #d3e7e4;background:#fff;border-radius:999px;padding:9px 16px;font:600 .92rem var(--body,Inter),sans-serif;color:var(--ink);cursor:pointer;transition:all .2s}
.as-chip:hover{border-color:var(--navy)}.as-chip[aria-pressed=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.as-grid{display:grid;gap:14px;margin-top:6px}@media(min-width:700px){.as-grid{grid-template-columns:1fr 1fr}}
.as-f{display:block}.as-f>span{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}.as-f small{display:block;color:var(--muted);font-size:.8rem;margin-top:4px}
.as-in{display:flex;align-items:center;border:1.5px solid #d3e7e4;border-radius:14px;background:#fff;padding:0 14px}
.as-in:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(28,102,110,.15)}
.as-in i{font-style:normal;color:var(--muted);font-weight:600}
.as-in input{flex:1;border:0;outline:0;padding:12px 8px;font:inherit;background:none;min-width:0}
.as-f select{width:100%;border:1.5px solid #d3e7e4;border-radius:14px;padding:12px 14px;font:inherit;background:#fff}
.as-person{border:1px solid #e3eeec;border-radius:18px;padding:14px;margin-top:12px;display:grid;gap:10px}
.as-ck{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-size:.9rem;color:#4d5a5c}.as-ck input{margin-top:3px}
.as-err{color:#c8282c;margin:14px 0 0}
.as-nav{display:flex;gap:10px;justify-content:space-between;margin-top:26px}.as-nav .btn-coral{margin-left:auto;min-width:180px}
.as-report{background:#fff;border:1px solid var(--line);border-radius:28px;padding:clamp(20px,4vw,44px);box-shadow:0 30px 60px -36px rgba(14,58,63,.45)}
.as-rh{display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.as-rh h2{margin:6px 0;color:var(--navy-3)}.as-rh p{margin:0;color:#4d5a5c;max-width:56ch}
.as-score{position:relative;width:150px;text-align:center}
.as-score svg{width:150px;height:150px;transform:rotate(-90deg)}.as-score circle{fill:none;stroke:#e3eeec;stroke-width:10}
.as-score circle.v{stroke:var(--navy);stroke-linecap:round;stroke-dasharray:326.7;stroke-dashoffset:calc(326.7 - 326.7 * var(--p) / 100);transition:stroke-dashoffset 1s}
.as-score>div{position:absolute;top:0;left:0;width:150px;height:150px;display:grid;place-content:center}.as-score b{font:700 2.4rem var(--head);color:var(--navy-3);line-height:1}.as-score small{color:var(--muted)}
.as-score>span{display:block;margin-top:6px;font-weight:700;color:var(--coral);font-size:.9rem}
.as-big{margin:24px 0 16px;background:linear-gradient(135deg,var(--navy),var(--navy-3));color:#fff;border-radius:22px;padding:22px 24px}
.as-big span{color:#bfe0dc}.as-big b{display:block;font:700 clamp(1.8rem,4.5vw,2.8rem)/1.15 var(--head);margin:4px 0}.as-big small{color:#bfe0dc}
.as-kpis{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}
.as-kpis>div{border:1px solid var(--line);border-radius:18px;padding:14px 16px}.as-kpis span{font-size:.82rem;color:var(--muted)}.as-kpis b{display:block;font:700 1.3rem var(--head);color:var(--navy-3);margin:2px 0}.as-kpis small{font-size:.78rem;color:var(--muted)}
.as-note{margin-top:14px;background:#fff7ec;border:1px solid #f6dcb4;border-radius:16px;padding:12px 16px;font-size:.94rem}.as-note.ok{background:#e9f7ef;border-color:#bfe5cf}
.as-cols{display:grid;gap:16px;margin-top:18px}@media(min-width:900px){.as-cols{grid-template-columns:1fr 1.3fr}}
.as-card{border:1px solid var(--line);border-radius:20px;padding:18px 20px}.as-card h3{margin:0 0 12px;font-size:1.05rem}
.as-bar{display:grid;grid-template-columns:120px 1fr 48px;gap:10px;align-items:center;margin:10px 0;font-size:.9rem}.as-bar div{height:10px;background:#e3eeec;border-radius:99px;overflow:hidden}.as-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--navy),#2a8a94);border-radius:99px}.as-bar b{text-align:right;color:var(--navy-3)}
.as-good,.as-watch{margin:0;padding-left:0;list-style:none;display:grid;gap:8px}
.as-good li,.as-watch li{position:relative;padding-left:28px;font-size:.94rem;line-height:1.5}
.as-good li::before{content:"✓";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:#e9f7ef;color:#1a7f55;display:grid;place-items:center;font-size:.75rem;font-weight:700}
.as-watch li::before{content:"!";position:absolute;left:0;top:0;width:20px;height:20px;border-radius:50%;background:#fff1e0;color:#9a5b00;display:grid;place-items:center;font-size:.75rem;font-weight:700}
.as-next{margin-top:18px;background:var(--mist);border-radius:22px;padding:20px 22px;display:grid;gap:14px}@media(min-width:900px){.as-next{grid-template-columns:1fr auto;align-items:center}}
.as-next h3{margin:0 0 4px}.as-next p{margin:0;color:#4d5a5c}.as-btns{display:flex;flex-wrap:wrap;gap:8px}
.as-disc{font-size:.78rem;color:var(--muted);line-height:1.6;margin-top:18px}
@media print{.as-btns,#asRestart,.as-hero,.fc,.fc-btn{display:none!important}.as-report{box-shadow:none;border:0}}
.hb-in{display:grid;gap:30px;align-items:center;background:linear-gradient(135deg,var(--mist),#d6ebe7);border-radius:32px;padding:clamp(24px,4vw,48px);overflow:hidden}
@media(min-width:900px){.hb-in{grid-template-columns:1.1fr .9fr}}
.hb-txt h2{margin:10px 0}
.hb-covers{position:relative;height:260px}
.hb-covers img{position:absolute;width:44%;border-radius:6px;box-shadow:0 22px 40px -16px rgba(14,58,63,.55);transition:transform .4s}
.hb-covers img:nth-child(1){left:4%;top:30px;transform:rotate(-7deg)}
.hb-covers img:nth-child(2){left:28%;top:0;z-index:2}
.hb-covers img:nth-child(3){left:52%;top:30px;transform:rotate(7deg)}
.hb-in:hover .hb-covers img:nth-child(1){transform:rotate(-10deg) translateX(-8px)}
.hb-in:hover .hb-covers img:nth-child(3){transform:rotate(10deg) translateX(8px)}
@media(max-width:600px){.hb-covers{height:200px}}

/* round 9: why-us artwork + FAQ photo zoomed out */
.why .why-art{background:#16485e}

.faqband .img img{object-position:42% 30%}
@media (max-width:979px){.faqband .img{min-height:0}.faqband .img img,.faqband .img img.fixh{position:relative;aspect-ratio:3/2;width:100%;object-position:center;-webkit-mask-image:none;mask-image:none}}
/* round 9: Finfident Loan Compass */
.lc-hero{padding-bottom:clamp(60px,7vw,96px)}
.lc-hero .lc-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.lc-hero .lc-tags span{border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:6px 14px;font-size:.88rem;color:#fff;background:rgba(255,255,255,.08)}
.lc-sec{padding-top:0;margin-top:-56px;position:relative;z-index:2}
.lc-app{scroll-margin-top:96px;max-width:980px;margin:0 auto}
.lc-shell{background:#fff;border-radius:30px;overflow:hidden;box-shadow:0 40px 80px -40px rgba(14,58,63,.5);border:1px solid var(--line)}
.lc-top{display:flex;align-items:center;gap:14px;flex-wrap:wrap;padding:18px clamp(18px,3vw,32px);background:radial-gradient(120% 140% at 0% 0%,#22808a 0%,var(--navy) 45%,var(--navy-3) 100%);color:#fff}
.lc-top>div b{display:block;font-family:var(--head);font-size:1.08rem}.lc-top>div span{font-size:.85rem;color:#bfe0dc}
.lc-dial{width:54px;height:54px;flex:none}.lc-dial .r{fill:none;stroke:rgba(255,255,255,.18);stroke-width:5}.lc-dial .p{fill:none;stroke:#fff;stroke-width:5;stroke-linecap:round;transform:rotate(-90deg);transform-origin:32px 32px;transition:stroke-dasharray .5s}
.lc-steps{list-style:none;margin:0 0 0 auto;padding:0;display:flex;gap:6px}
.lc-steps li{display:flex;align-items:center}.lc-steps li i{width:26px;height:6px;border-radius:9px;background:rgba(255,255,255,.22);display:block}.lc-steps li.done i{background:#8fd3ca}.lc-steps li.on i{background:var(--coral);width:40px}.lc-steps li span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
@media(max-width:640px){.lc-steps{width:100%;margin:4px 0 0}.lc-steps li{flex:1}.lc-steps li i,.lc-steps li.on i{width:100%}}
.lc-body{padding:clamp(20px,4vw,44px)}
.lc-body h2{font-size:clamp(1.5rem,3.2vw,2.1rem);color:var(--navy-3)}
.lc-body h3{font-size:1rem;margin:24px 0 10px;color:var(--ink)}
.lc-lead{color:var(--muted);margin:6px 0 18px;max-width:64ch}
.lc-group{margin-top:14px}.lc-gl{display:block;font:700 .78rem var(--head);letter-spacing:.08em;text-transform:uppercase;color:var(--coral);margin-bottom:10px}
.lc-tiles{display:grid;gap:12px;grid-template-columns:repeat(2,1fr)}@media(min-width:820px){.lc-tiles{grid-template-columns:repeat(4,1fr)}}
.lc-tile{position:relative;display:flex;flex-direction:column;align-items:flex-start;gap:4px;text-align:left;border:1.5px solid #d8e9e6;background:linear-gradient(180deg,#fff,#f6fbfa);border-radius:20px;padding:16px;cursor:pointer;font:inherit;color:var(--ink);transition:border-color .2s,transform .2s,box-shadow .2s;min-height:128px}
.lc-tile:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:0 14px 26px -18px rgba(14,58,63,.5)}
.lc-tile[aria-pressed=true]{border-color:var(--navy);background:var(--mist);box-shadow:inset 0 0 0 1.5px var(--navy)}
.lc-tile[aria-pressed=true]::after{content:"✓";position:absolute;right:12px;top:12px;width:22px;height:22px;border-radius:50%;background:var(--coral);color:#fff;font-size:.75rem;display:grid;place-items:center;font-weight:700}
.lc-tile b{font-family:var(--head);font-size:1rem;line-height:1.25}.lc-tile small{color:var(--muted);font-size:.82rem;line-height:1.4}
.lc-ic{width:40px;height:40px;border-radius:12px;background:#fff;border:1px solid #d8e9e6;display:grid;place-items:center;color:var(--navy);margin-bottom:6px;flex:none}
.lc-ic svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.lc-tile[aria-pressed=true] .lc-ic{background:var(--navy);color:#fff;border-color:var(--navy)}
.lc-pills{display:flex;flex-wrap:wrap;gap:8px}
.lc-pill{border:1.5px solid #d3e7e4;background:#fff;border-radius:12px;padding:9px 15px;font:600 .92rem var(--font);color:var(--ink);cursor:pointer;transition:all .2s}
.lc-pill:hover{border-color:var(--navy)}.lc-pill[aria-pressed=true]{background:var(--navy-3);border-color:var(--navy-3);color:#fff}
.lc-pills.sm .lc-pill{padding:7px 12px;font-size:.86rem}
.lc-grid{display:grid;gap:14px;margin-top:8px}@media(min-width:700px){.lc-grid{grid-template-columns:1fr 1fr}}
.lc-f{display:block}.lc-f.wide{grid-column:1/-1}.lc-f>span{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--ink)}.lc-f>span em{font-style:normal;font-weight:500;color:var(--muted);font-size:.8rem;margin-left:4px;background:var(--grey);padding:1px 8px;border-radius:99px}
.lc-f small{display:block;color:var(--muted);font-size:.8rem;margin-top:5px;line-height:1.45}
.lc-in{display:flex;align-items:center;border:1.5px solid #d3e7e4;border-radius:14px;background:#fff;padding:0 14px}.lc-in:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(28,102,110,.15)}
.lc-in i{font-style:normal;color:var(--muted);font-weight:600}.lc-in input{flex:1;border:0;outline:0;padding:12px 8px;font:inherit;background:none;min-width:0}
.lc-f select{width:100%;border:1.5px solid #d3e7e4;border-radius:14px;padding:12px 14px;font:inherit;background:#fff}
.lc-person{border:1px solid #e3eeec;background:#fbfdfd;border-radius:18px;padding:16px;margin-top:12px;display:grid;gap:12px}
.lc-free{display:flex;gap:14px;align-items:flex-start;background:linear-gradient(135deg,#fff4f4,#fffaf3);border:1px solid #ffd6d6;border-radius:18px;padding:14px 16px;margin:14px 0}
.lc-free .lc-ic{background:var(--coral);border-color:var(--coral);color:#fff;margin:0}.lc-free b{font-family:var(--head);color:var(--ink)}.lc-free p{font-size:.9rem;color:#5a4a4a;margin-top:2px}
.lc-prop{border:1.5px solid #d8e9e6;border-radius:22px;padding:18px;margin-top:14px;display:grid;gap:10px;background:#fff}
.lc-prop-h{display:flex;justify-content:space-between;align-items:center;gap:10px}.lc-prop-h b{font-family:var(--head);font-size:1.05rem;color:var(--navy-3);overflow-wrap:anywhere}
.lc-x{border:0;background:none;color:#c8282c;font-weight:600;cursor:pointer;font-size:.86rem}
.lc-sub2{font-weight:600;font-size:.88rem;color:var(--ink);margin-top:4px}
.lc-val{display:flex;gap:10px;align-items:flex-start;background:var(--mist);border-radius:14px;padding:12px 14px;cursor:pointer}.lc-val input{margin-top:4px;width:18px;height:18px;accent-color:var(--coral)}.lc-val b{display:block;font-size:.92rem;color:var(--ink)}.lc-val small{color:var(--muted);font-size:.82rem}
.lc-add{width:100%;margin-top:14px;border:2px dashed #b9d9d4;background:#fbfdfd;border-radius:18px;padding:14px;font:700 .95rem var(--head);color:var(--navy);cursor:pointer}.lc-add:hover{border-color:var(--navy);background:var(--mist)}
.lc-ck{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-size:.9rem;color:#4d5a5c}.lc-ck input{margin-top:4px;accent-color:var(--navy)}
.lc-err{color:#c8282c;margin:14px 0 0;font-weight:600}
.lc-nav{display:flex;gap:10px;justify-content:space-between;margin-top:28px}.lc-nav .btn-coral{min-width:200px}
.lc-trust{text-align:center;color:var(--muted);font-size:.8rem;margin-top:14px}
/* report */
.lc-report{background:#fff;border:1px solid var(--line);border-radius:30px;padding:clamp(20px,4vw,44px);box-shadow:0 40px 80px -40px rgba(14,58,63,.5)}
.lc-rh{display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.lc-eyebrow{font:700 .76rem var(--head);letter-spacing:.07em;text-transform:uppercase;color:var(--coral)}
.lc-rh h2{margin:6px 0;color:var(--navy-3);font-size:clamp(1.6rem,3.4vw,2.3rem)}.lc-rh p{color:#4d5a5c;max-width:56ch}
.lc-score{display:flex;align-items:center;gap:14px}.lc-score>div b{display:block;font:700 2.6rem/1 var(--head);color:var(--navy-3)}.lc-score>div small{color:var(--muted)}.lc-score>div span{display:block;margin-top:6px;font-weight:700;color:var(--coral)}
.lc-rose{width:150px;height:150px}.lc-rose .o{fill:#f2f8f7;stroke:#d3e7e4;stroke-width:2}.lc-rose .i{fill:none;stroke:#d3e7e4;stroke-dasharray:3 5}.lc-rose .m{fill:#dcebe9}.lc-rose .g{fill:var(--navy)}.lc-rose .a{fill:#e9a23b}.lc-rose .r{fill:var(--coral)}.lc-rose text{font:700 13px var(--head);fill:var(--navy-3);text-anchor:middle}
.lc-hgauge{display:flex;align-items:center;gap:12px;border-radius:22px;padding:14px 18px;background:var(--mist)}.lc-hgauge b{width:68px;height:68px;border-radius:20px;display:grid;place-items:center;font:700 2.2rem var(--head);color:#fff;background:var(--navy)}.lc-hgauge span{font-weight:600;color:var(--ink);line-height:1.4}
.lc-hgauge.gB b{background:#2f8f7f}.lc-hgauge.gC b{background:#e9a23b}.lc-hgauge.gD b{background:var(--coral)}
.lc-big{margin:22px 0 14px;background:linear-gradient(135deg,var(--navy),var(--navy-3));color:#fff;border-radius:22px;padding:22px 24px}
.lc-big span{color:#bfe0dc}.lc-big b{display:block;font:700 clamp(1.7rem,4.4vw,2.7rem)/1.15 var(--head);margin:4px 0}.lc-big small{color:#bfe0dc}
.lc-kpis{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));margin-top:18px}
.lc-kpis>div{border:1px solid var(--line);border-radius:18px;padding:14px 16px}.lc-kpis>div.hl{background:#e9f7ef;border-color:#bfe5cf}.lc-kpis span{font-size:.82rem;color:var(--muted)}.lc-kpis b{display:block;font:700 1.3rem var(--head);color:var(--navy-3);margin:2px 0}.lc-kpis small{font-size:.78rem;color:var(--muted)}
.lc-h{margin:26px 0 12px;font-size:1.25rem;color:var(--navy-3)}
.lc-loans{display:grid;gap:14px}@media(min-width:860px){.lc-loans{grid-template-columns:1fr 1fr}}
.lc-loan{border:1px solid var(--line);border-radius:22px;padding:18px;border-top:5px solid var(--navy)}.lc-loan.gB{border-top-color:#2f8f7f}.lc-loan.gC{border-top-color:#e9a23b}.lc-loan.gD{border-top-color:var(--coral)}
.lc-loan header{display:flex;justify-content:space-between;gap:12px}.lc-loan header b{font-family:var(--head);color:var(--ink);overflow-wrap:anywhere}.lc-loan header small{display:block;color:var(--muted);font-size:.84rem}
.lc-grade{width:44px;height:44px;border-radius:14px;display:grid;place-items:center;font:700 1.4rem var(--head);color:#fff;background:var(--navy);flex:none}.gB .lc-grade{background:#2f8f7f}.gC .lc-grade{background:#e9a23b}.gD .lc-grade{background:var(--coral)}
.lc-loan dl{display:grid;grid-template-columns:1fr 1fr;gap:8px 14px;margin:14px 0 10px}.lc-loan dt{font-size:.78rem;color:var(--muted)}.lc-loan dd{margin:0;font:700 1.02rem var(--head);color:var(--navy-3)}
.lc-meter{height:8px;background:#e3eeec;border-radius:99px;overflow:hidden}.lc-meter i{display:block;height:100%;background:linear-gradient(90deg,var(--coral),#e9a23b 45%,var(--navy))}
.lc-hl{font-size:.84rem;font-weight:600;color:var(--ink);margin:6px 0 10px}
.lc-ok{margin-top:10px;color:var(--ok)}
.lc-valreq{margin-top:10px;font-size:.86rem;background:#fff4f4;border-radius:12px;padding:8px 12px;color:#8a2a2c;font-weight:600}
.lc-free.wide{margin-top:16px}
.lc-note{margin-top:14px;background:#fff7ec;border:1px solid #f6dcb4;border-radius:16px;padding:12px 16px;font-size:.94rem}.lc-note.ok{background:#e9f7ef;border-color:#bfe5cf}
.lc-cols{display:grid;gap:16px;margin-top:18px}@media(min-width:900px){.lc-cols{grid-template-columns:1fr 1.3fr}}
.lc-card{border:1px solid var(--line);border-radius:20px;padding:18px 20px}.lc-card h3{margin:0 0 12px;font-size:1.05rem}
.lc-bar{display:grid;grid-template-columns:26px 1fr 48px;grid-template-areas:"k t b" "k m m";gap:4px 10px;align-items:center;margin:12px 0;font-size:.9rem}
.lc-bar em{grid-area:k;font:700 .85rem var(--head);font-style:normal;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;background:var(--mist);color:var(--navy)}.lc-bar span{grid-area:t}.lc-bar b{grid-area:b;text-align:right}.lc-bar div{grid-area:m;height:8px;background:#e3eeec;border-radius:99px;overflow:hidden}.lc-bar i{display:block;height:100%;background:var(--navy);border-radius:99px}
.lc-good,.lc-watch{margin:0;padding-left:0;list-style:none;display:grid;gap:8px}
.lc-good li,.lc-watch li{position:relative;padding-left:28px;font-size:.92rem;line-height:1.5}
.lc-good li::before{content:"✓";position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:50%;background:#e9f7ef;color:#1a7f55;display:grid;place-items:center;font-size:.75rem;font-weight:700}
.lc-watch li::before{content:"!";position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:50%;background:#fff1e0;color:#9a5b00;display:grid;place-items:center;font-size:.75rem;font-weight:700}
.lc-loan .lc-good,.lc-loan .lc-watch{margin-top:8px}
.lc-next{margin-top:18px;background:var(--mist);border-radius:22px;padding:20px 22px;display:grid;gap:14px}@media(min-width:900px){.lc-next{grid-template-columns:minmax(0,1fr) minmax(0,420px);align-items:center}.lc-btns{justify-content:flex-end}}
.lc-next h3{margin:0 0 4px}.lc-next p{margin:0;color:#4d5a5c}.lc-btns{display:flex;flex-wrap:wrap;gap:8px}
.lc-disc{font-size:.76rem;color:var(--muted);line-height:1.6;margin-top:18px}
/* homepage feature band for the Loan Compass */
.lcb{background:radial-gradient(120% 120% at 100% 0%,#22808a 0%,var(--navy) 40%,var(--navy-3) 100%);color:#e3f1ef;overflow:hidden;position:relative}
.lcb::before{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:34px solid rgba(255,85,88,.85)}
.lcb .wrap{position:relative;display:grid;gap:34px;align-items:center}@media(min-width:960px){.lcb .wrap{grid-template-columns:1.05fr .95fr}}
.lcb h2{color:#fff;margin:12px 0}.lcb .lede{color:#cfe7e3}
.lcb-list{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}.lcb-list li{display:flex;gap:10px;align-items:flex-start}.lcb-list li::before{content:"";flex:none;width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--coral) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12 4 4 8-8'/%3E%3C/svg%3E") center/14px no-repeat}
.lcb .cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}.lcb .btn-line{color:#fff;border-color:rgba(255,255,255,.5)}.lcb .btn-line:hover{background:#fff;color:var(--navy-3)}
.lcb-paths{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lcb-paths a{display:block;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:16px;color:#fff;text-decoration:none;transition:background .2s,transform .2s}
.lcb-paths a:hover{background:#fff;color:var(--navy-3);transform:translateY(-2px)}.lcb-paths a b{display:block;font-family:var(--head);font-size:1.02rem}.lcb-paths a span{font-size:.84rem;opacity:.8}
.lcb-paths a.feat{grid-column:1/-1;background:#fff;color:var(--navy-3)}.lcb-paths a.feat span{opacity:1;color:var(--muted)}.lcb-paths a.feat b::after{content:" →";color:var(--coral)}
.pr-btn{margin-top:8px}
/* branded PDF / print layout */
#ffPrint{display:none}
@media print{
 @page{size:A4;margin:12mm 12mm 8mm}
 body.ff-printing>*:not(#ffPrint){display:none!important}
 body.ff-printing{background:#fff}
 body.ff-printing #ffPrint{display:block;color:#243235;font:10.5pt/1.55 var(--font);-webkit-print-color-adjust:exact;print-color-adjust:exact}
 #ffPrint .pr-cover{position:relative;overflow:hidden;background:linear-gradient(135deg,#1c666e,#0e3a3f);color:#fff;border-radius:14px;padding:22px 26px 24px}
 #ffPrint .pr-cover img{width:150px;height:auto;display:block}
 #ffPrint .pr-ring{position:absolute;right:-60px;top:-70px;width:220px;height:220px;border-radius:50%;border:22px solid #ff5558}
 #ffPrint .pr-kick{display:inline-block;margin-top:22px;font:700 8.5pt var(--head);letter-spacing:.1em;text-transform:uppercase;color:#ff9a9c}
 #ffPrint .pr-cover h1{color:#fff;font-size:24pt;margin:4px 0 2px;line-height:1.15}
 #ffPrint .pr-cover p{color:#cfe7e3;font-size:10pt}
 #ffPrint section{margin-top:16px;break-inside:auto}
 #ffPrint h2{break-after:avoid;page-break-after:avoid;font-size:13.5pt;color:#0e3a3f;margin:0 0 8px;padding-bottom:5px;border-bottom:2px solid #ff5558;display:inline-block}
 #ffPrint .pr-hero{background:#e5f2f0;border-radius:12px;padding:12px 16px;margin-bottom:10px;break-inside:avoid}
 #ffPrint .pr-hero span{color:#4f5b5d}#ffPrint .pr-hero b{display:block;font:700 20pt var(--head);color:#0e3a3f}#ffPrint .pr-hero small{color:#667476}
 #ffPrint .pr-tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;break-inside:avoid}
 #ffPrint .pr-tiles div{border:1px solid #dbe8e6;border-radius:10px;padding:8px 10px}#ffPrint .pr-tiles div.hl{background:#e9f7ef;border-color:#bfe5cf}
 #ffPrint .pr-tiles span{font-size:8.5pt;color:#667476}#ffPrint .pr-tiles b{display:block;font:700 12.5pt var(--head);color:#0e3a3f}
 #ffPrint .pr-kv{width:100%;border-collapse:collapse;margin:6px 0;break-inside:avoid}
 #ffPrint .pr-kv th,#ffPrint .pr-kv td{text-align:left;padding:5px 8px;border-bottom:1px solid #e3eeec;font-size:9.5pt;vertical-align:top}
 #ffPrint .pr-kv th{width:45%;color:#4f5b5d;font-weight:600}#ffPrint .pr-kv tr:nth-child(odd){background:#f6fbfa}
 #ffPrint .pr-note{margin-top:8px;background:#fff7ec;border-left:3px solid #e9a23b;padding:6px 10px;font-size:9.5pt}
 #ffPrint .pr-loan{border:1px solid #dbe8e6;border-radius:10px;padding:10px 12px;margin-bottom:10px;break-inside:avoid}
 #ffPrint .pr-lh{display:flex;justify-content:space-between;align-items:center}#ffPrint .pr-lh b{font:700 11pt var(--head);color:#0e3a3f}
 #ffPrint .pr-grade{width:26px;height:26px;border-radius:7px;display:inline-grid;place-items:center;color:#fff;font:700 12pt var(--head);background:#1c666e}#ffPrint .pr-grade.gB{background:#2f8f7f}#ffPrint .pr-grade.gC{background:#e9a23b}#ffPrint .pr-grade.gD{background:#ff5558}
 #ffPrint ul{margin:6px 0 0;padding-left:18px}#ffPrint li{margin:2px 0;font-size:9.5pt}
 #ffPrint .pr-bars div{display:grid;grid-template-columns:22px 170px 1fr 44px;gap:8px;align-items:center;margin:5px 0;font-size:9.5pt}
 #ffPrint .pr-bars em{font-style:normal;font-weight:700;color:#1c666e}#ffPrint .pr-bars i{height:7px;background:#e3eeec;border-radius:9px;overflow:hidden;display:block}#ffPrint .pr-bars s{display:block;height:100%;background:#1c666e;text-decoration:none}
 #ffPrint .pr-cta{margin-top:18px;display:grid;grid-template-columns:1.2fr 1fr;gap:14px;background:#e5f2f0;border-left:4px solid #ff5558;border-radius:10px;padding:12px 16px;break-inside:avoid}
 #ffPrint .pr-cta b{font:700 11.5pt var(--head);color:#0e3a3f}#ffPrint .pr-cta p{font-size:9.5pt;margin-top:4px}#ffPrint .pr-cta ul{list-style:none;padding:0;margin:0;font-size:9.5pt}
 #ffPrint .pr-disc{margin-top:16px;font-size:7.8pt;color:#667476;line-height:1.5}#ffPrint .pr-disc h3{font-size:9pt;color:#0e3a3f;margin-bottom:4px}#ffPrint .pr-disc p{margin-bottom:5px}
 #ffPrint .pr-t{width:100%;border-collapse:collapse}#ffPrint .pr-t>tbody>tr>td,#ffPrint .pr-t>tfoot>tr>td{padding:0}#ffPrint .pr-sp{height:13mm}
 #ffPrint .pr-foot{position:fixed;left:0;right:0;bottom:0;background:#fff;display:flex;align-items:center;gap:10px;border-top:1px solid #dbe8e6;padding-top:5px;font-size:7.5pt;color:#667476}
 #ffPrint .pr-foot img{width:70px;height:auto}
}
#Property_Buying_Cost_Calculator{min-height:820px}
#Property_Selling_Cost_Calculator{min-height:720px}
#How_Long_to_Save_Calculator{min-height:820px}
#How_Much_to_Deposit_Calculator{min-height:820px}
#Extra_Repayment_Calculator{min-height:820px}
#Lump_Sum_Repayment_Calculator{min-height:820px}
#Split_Loan_Calculator{min-height:820px}
#Interest_Only_Mortgage_Calculator{min-height:770px}
#Fortnightly_Repayment_Calculator{min-height:820px}
#How_Long_to_Repay_Calculator{min-height:770px}
#Introductory_Rate_Loan_Calculator{min-height:820px}
#Loan_Comparison_Calculator{min-height:820px}
#Comparison_Rate_Calculator{min-height:820px}
#Mortgage_Switching_Calculator{min-height:1100px}
#Reverse_Mortgage_Calculator{min-height:1100px}
#Budget_Planner{min-height:2850px}
#Income_Gross_Up_Calculator{min-height:900px}
#Income_Annualisation_Calculator{min-height:820px}
#Saving_Calculator{min-height:620px}
#Compound_Interest_Calculator{min-height:850px}
#Credit_Card_Calculator{min-height:900px}
#Leasing_Calculator{min-height:820px}
@media (max-width:767px){#Property_Buying_Cost_Calculator{min-height:1850px}#Property_Selling_Cost_Calculator{min-height:1650px}#How_Long_to_Save_Calculator{min-height:1250px}#How_Much_to_Deposit_Calculator{min-height:1250px}#Extra_Repayment_Calculator{min-height:1450px}#Lump_Sum_Repayment_Calculator{min-height:1450px}#Split_Loan_Calculator{min-height:1550px}#Interest_Only_Mortgage_Calculator{min-height:1450px}#Fortnightly_Repayment_Calculator{min-height:1250px}#How_Long_to_Repay_Calculator{min-height:1250px}#Introductory_Rate_Loan_Calculator{min-height:1400px}#Loan_Comparison_Calculator{min-height:1800px}#Comparison_Rate_Calculator{min-height:1450px}#Mortgage_Switching_Calculator{min-height:1900px}#Reverse_Mortgage_Calculator{min-height:1900px}#Budget_Planner{min-height:5000px}#Income_Gross_Up_Calculator{min-height:1700px}#Income_Annualisation_Calculator{min-height:1250px}#Saving_Calculator{min-height:1250px}#Compound_Interest_Calculator{min-height:1200px}#Credit_Card_Calculator{min-height:1500px}#Leasing_Calculator{min-height:1250px}}
/* round 9: calculators hub */
.ch-feat{display:grid;gap:20px;align-items:center;text-decoration:none;color:#e3f1ef;background:radial-gradient(120% 140% at 0% 0%,#22808a 0%,var(--navy) 45%,var(--navy-3) 100%);border-radius:28px;padding:clamp(22px,4vw,40px);position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s}
@media(min-width:800px){.ch-feat{grid-template-columns:1fr 180px}}
.ch-feat:hover{transform:translateY(-3px);box-shadow:0 30px 60px -30px rgba(14,58,63,.6);color:#e3f1ef}
.ch-feat h2{color:#fff;margin:8px 0}.ch-feat p{color:#cfe7e3;max-width:62ch;margin-bottom:18px}
.ch-feat .btn-line{color:#fff;border-color:rgba(255,255,255,.5)}
.ch-dial svg{width:160px;height:160px;animation:chspin 9s ease-in-out infinite}
@keyframes chspin{0%,100%{transform:rotate(-12deg)}50%{transform:rotate(14deg)}}
@media(max-width:799px){.ch-dial{display:none}}
.ct-rank{display:inline-block;font:700 .74rem var(--head);letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--coral);border-radius:99px;padding:3px 10px}
.pcard .ct-rank{margin-bottom:8px;align-self:flex-start;width:max-content}
.ch-h{margin:42px 0 16px}.ch-h h2{font-size:clamp(1.4rem,2.6vw,1.9rem)}.ch-h p{color:var(--muted);margin-top:6px}
.ct-grid{display:grid;gap:12px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.ct{display:flex;gap:14px;align-items:center;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px 16px;transition:border-color .2s,transform .2s,box-shadow .2s}
.ct:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:var(--shadow-sm);color:var(--ink)}
.ct-ic{width:44px;height:44px;flex:none;border-radius:14px;background:var(--mist);color:var(--navy);display:grid;place-items:center;transition:background .2s,color .2s}
.ct:hover .ct-ic{background:var(--navy);color:#fff}
.ct-ic svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.ct b{display:block;font-family:var(--head);font-size:1rem;line-height:1.3}.ct b em{font-style:normal;font-size:.68rem;font-weight:700;letter-spacing:.04em;color:#fff;background:var(--coral);border-radius:99px;padding:2px 8px;margin-left:6px;vertical-align:2px}
.ct small{color:var(--muted);font-size:.84rem;line-height:1.4;display:block}

/* round 10: log in menu */
.login-dd{margin-left:auto;flex:none}
.login-btn{display:inline-flex;align-items:center;gap:7px;border:1px solid rgba(255,255,255,.4);background:rgba(255,255,255,.1);color:#fff;border-radius:999px;padding:8px 14px;font:600 .9rem var(--font);cursor:pointer;transition:background .2s,color .2s}
.login-btn svg{width:17px;height:17px}
.login-btn:hover,.login-dd.open .login-btn{background:#fff;color:var(--navy-3)}
.login-dd>button::after{display:none}
.hdr .login-menu{left:auto;right:0;transform:none;min-width:290px;grid-template-columns:1fr!important;display:grid}
.hdr .login-menu[hidden]{display:none}
.drawer-login{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:12px}
.drawer-login .btn{width:100%;justify-content:center}
@media (min-width:1080px){.login-dd{margin-left:8px}}
@media (max-width:1079px){.login-dd{margin-left:auto;margin-right:8px}.login-btn{padding:7px 12px;font-size:.86rem}}
@media (max-width:380px){.login-btn span{display:none}}
/* round 10: trust band in soft yellow */
.trust{background:linear-gradient(180deg,#f8ebbd,#f3e2a6);color:var(--ink);border-block:1px solid #ead48a}
.trust .k{color:#2a2a1e}
.trust small{color:#5c5434}
/* round 10: data protection note */
.ftr .data-note{display:flex;gap:14px;align-items:flex-start;margin-top:8px;margin-bottom:6px;padding:16px 18px;border-radius:18px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14)}
.ftr .data-note p{margin:0;font-size:.86rem;line-height:1.6;color:#cfe3e0}.ftr .data-note b{color:#fff}
.dn-ic{width:36px;height:36px;flex:none;border-radius:50%;background:var(--coral);color:#fff;display:grid;place-items:center}.dn-ic svg{width:19px;height:19px}
.lc-privacy{display:flex;gap:12px;align-items:flex-start;margin-top:14px;padding:12px 14px;border-radius:14px;background:#f3f8f7;border:1px solid var(--line);font-size:.84rem;line-height:1.55;color:#4d5a5c}
.lc-privacy b{color:var(--ink)}.lc-privacy .dn-ic{width:30px;height:30px}.lc-privacy .dn-ic svg{width:16px;height:16px}

@media (min-width:980px){.faqband{grid-template-columns:38% 1fr}}
.why .img img{object-position:35% 30%}

/* FAQ photo as a fixed card: no zoom, no movement when answers open */
@media (min-width:980px){
 .faqband .img{min-height:0;overflow:visible;padding:clamp(40px,5vw,72px) 0 40px clamp(20px,3vw,48px)}
 .faqband .img img{position:sticky;top:110px;inset:auto;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;object-position:45% 35%;border-radius:26px;box-shadow:0 30px 60px -30px rgba(0,0,0,.55)}
}
/* round 10: dated imported posts */
.post-dated{font-size:.88rem;color:var(--muted);border-left:3px solid var(--line);padding-left:12px;margin:0 0 22px}
.notice.upd{grid-template-columns:1fr;background:#fff7e6;border-color:#f3d79a;border-left-color:#e9a23b;margin:0 0 26px;padding:14px 18px;font-size:.92rem}

@media (min-width:1280px){.hdr .nav .mega.mega3{min-width:880px;grid-template-columns:repeat(3,minmax(250px,1fr))!important}}
.nich{margin-top:16px;background:var(--mist);border-radius:20px;padding:18px 20px;display:grid;gap:6px}.nich h3{font-size:1.05rem;margin-bottom:4px}.nich a{font-weight:600;text-decoration:none;color:var(--navy)}.nich a:hover{color:var(--coral)}


/* Why us photo as a fixed card too: whole subject visible, no movement */
@media (min-width:980px){
 .why .img{min-height:0;overflow:visible;padding:clamp(56px,6vw,96px) 0 48px clamp(20px,4vw,64px)}
 .why .img img,.why .img img.fixh{position:sticky;top:110px;inset:auto;width:100%;height:auto!important;aspect-ratio:1/1;object-fit:cover;object-position:32% 40%;border-radius:28px;box-shadow:0 30px 60px -30px rgba(14,58,63,.45)}
}
@media (max-width:979px){.why .img{min-height:0}.why .img img{position:relative;aspect-ratio:3/2;height:auto}}
/* round 11: bright yellow trust band */
.trust{background:#ffd43b;color:#1b1b14;border-block:0}
.trust .k{color:#14140f}
.trust small{color:#3b3410}
.trust .ic{background:var(--navy-3)}

/* round 11: header never overlaps: nav keeps its size, email icon lives in the footer, login shrinks to an icon on narrower desktops */
@media (min-width:1080px){.hdr .nav{flex:0 0 auto}.hdr-actions .ic-btn.mail{display:none!important}.login-dd{margin-left:auto}}
@media (min-width:1080px) and (max-width:1299px){.login-btn{width:42px;height:42px;padding:0;justify-content:center}.login-btn span{display:none}.hdr-actions .ic-btn[data-tip="Text"]{display:none}}
@media (min-width:1080px){.hdr .nav>a,.hdr .nav .dd>button{padding:10px 9px;font-size:.92rem}.hdr .bar{gap:10px}}

/* round 11: Why us and FAQ photos fill their column again (centred crop), stay fixed in size while sections open */
@media (min-width:980px){
 .why .img,.faqband .img{padding:0;overflow:visible;min-height:0;align-self:stretch}
 .why .img img,.why .img img.fixh,.faqband .img img{position:sticky;top:0;inset:auto;width:100%;height:min(100vh,980px)!important;aspect-ratio:auto;border-radius:0;box-shadow:none;object-fit:cover}
 .why .img img{object-position:36% 40%}
 .faqband .img img{object-position:58% 35%}
 .why{grid-template-columns:44% 1fr}.faqband{grid-template-columns:40% 1fr}
}
@media (min-width:980px){.why .img img{object-position:50% 35%}.faqband .img img{object-position:50% 30%}.why .img picture,.faqband .img picture{display:contents}}