/* FinancingAU — Shared Design System v2 (TapOut-inspired) */
:root {
  --navy:   #0C1C32;
  --navy2:  #132540;
  --teal:   #0284C7;
  --teal2:  #0EA5E9;
  --gold:   #C0913B;
  --gold2:  #D9AF66;
  --white:  #FFFFFF;
  --off:    #F4F6F9;
  --border: #E2E8F0;
  --txt:    #0F1A2B;
  --txt2:   #4A5568;
  --txt3:   #94A3B8;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', system-ui, sans-serif;
  color: var(--txt);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 {
  font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
  letter-spacing: -0.025em;
  line-height: 1.1;
}
a { color: inherit; }

/* ─── NAV ─────────────────────────────────────────────────── */
#nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: 1280px; margin: 0 auto; padding: 0 28px;
  height: 70px; display: flex; align-items: center; justify-content: space-between;
  gap: 24px;
}
.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-link {
  font-size: 14px; font-weight: 500; color: var(--txt2);
  text-decoration: none; background: none; border: none; cursor: pointer;
  font-family: 'DM Sans', sans-serif; padding: 7px 11px; border-radius: 7px;
  display: flex; align-items: center; gap: 4px;
  transition: color .15s, background .15s; white-space: nowrap;
}
.nav-link:hover { color: var(--navy); background: var(--off); }

/* Dropdown */
.nav-has-dropdown { position: relative; }
.nav-dropdown {
  position: absolute; top: calc(100% + 10px); left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: #fff; border: 1.5px solid var(--border); border-radius: 12px;
  padding: 7px; min-width: 248px;
  box-shadow: 0 12px 40px rgba(12,28,50,0.14), 0 2px 8px rgba(0,0,0,0.05);
  opacity: 0; pointer-events: none;
  transition: opacity .18s ease, transform .18s ease;
}
.nav-has-dropdown:hover .nav-dropdown,
.nav-has-dropdown:focus-within .nav-dropdown {
  opacity: 1; pointer-events: all; transform: translateX(-50%) translateY(0);
}
.nav-dropdown a {
  display: flex; align-items: center; gap: 10px; padding: 10px 13px;
  font-size: 13.5px; color: var(--txt2); text-decoration: none; border-radius: 8px;
  transition: background .12s, color .12s; font-weight: 500;
}
.nav-dropdown a:hover { background: var(--off); color: var(--teal); }
.dd-icon {
  width: 32px; height: 32px; border-radius: 8px;
  background: rgba(2,132,199,0.07); display: flex; align-items: center;
  justify-content: center; flex-shrink: 0;
}
/* Flyout (nested dropdown) */
.nav-has-flyout { position: relative; }
.dd-flyout-row {
  display: flex; align-items: center; gap: 10px; padding: 10px 13px;
  font-size: 13.5px; color: var(--txt2); border-radius: 8px;
  transition: background .12s, color .12s; cursor: default; font-weight: 500;
  user-select: none;
}
.dd-flyout-row:hover { background: var(--off); color: var(--teal); }
.nav-flyout {
  position: absolute; left: 100%; top: 0;
  padding-left: 8px;
  background: transparent;
  opacity: 0; pointer-events: none;
  transition: opacity .18s ease, transform .18s ease;
  transform: translateX(-4px);
}
.nav-flyout-inner {
  background: #fff; border: 1.5px solid var(--border); border-radius: 12px;
  padding: 7px; min-width: 200px;
  box-shadow: 0 12px 40px rgba(12,28,50,0.14), 0 2px 8px rgba(0,0,0,0.05);
}
.nav-has-flyout:hover .nav-flyout,
.nav-has-flyout:focus-within .nav-flyout {
  opacity: 1; pointer-events: all; transform: translateX(0);
}
.nav-flyout-inner a {
  display: flex; align-items: center; gap: 10px; padding: 9px 13px;
  font-size: 13.5px; color: var(--txt2); text-decoration: none; border-radius: 8px;
  transition: background .12s, color .12s; font-weight: 500;
}
.nav-flyout-inner a:hover { background: var(--off); color: var(--teal); }

.nav-cta {
  background: var(--navy); color: #fff;
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 13.5px;
  padding: 10px 20px; border-radius: 7px; text-decoration: none; white-space: nowrap;
  transition: background .2s, transform .15s; flex-shrink: 0;
}
.nav-cta:hover { background: #1a3557; transform: translateY(-1px); }

/* ─── BUTTONS ──────────────────────────────────────────────── */
.btn-primary {
  background: var(--teal); color: #fff;
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: 15px;
  padding: 13px 28px; border-radius: 7px; border: none; cursor: pointer;
  display: inline-flex; align-items: center; gap: 8px; text-decoration: none;
  transition: background .2s, transform .15s, box-shadow .2s;
  box-shadow: 0 2px 16px rgba(2,132,199,0.3);
}
.btn-primary:hover { background: #0369A1; transform: translateY(-2px); box-shadow: 0 8px 28px rgba(2,132,199,0.38); }
.btn-primary:active { transform: none; }

.btn-ghost-white {
  background: transparent; color: #fff;
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 15px;
  padding: 12px 26px; border-radius: 7px; border: 2px solid rgba(255,255,255,0.4);
  cursor: pointer; display: inline-flex; align-items: center; gap: 8px;
  text-decoration: none; transition: background .2s, border-color .2s;
}
.btn-ghost-white:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.7); }

.btn-ghost-navy {
  background: transparent; color: var(--navy);
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 14px;
  padding: 11px 22px; border-radius: 7px; border: 2px solid var(--navy);
  cursor: pointer; display: inline-flex; align-items: center; gap: 8px;
  text-decoration: none; transition: background .2s;
}
.btn-ghost-navy:hover { background: var(--off); }

/* ─── HERO ──────────────────────────────────────────────────── */
.page-hero {
  min-height: 56vh; background-size: cover; background-position: center;
  position: relative; display: flex; align-items: center; padding: 128px 0 80px;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(120deg,
    rgba(12,28,50,0.96) 0%,
    rgba(12,28,50,0.78) 60%,
    rgba(12,28,50,0.55) 100%);
  pointer-events: none;
}
.hero-inner {
  position: relative; z-index: 10;
  max-width: 1280px; margin: 0 auto; padding: 0 28px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15);
  border-radius: 24px; padding: 6px 16px; margin-bottom: 22px;
}
.hero-badge-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--teal2); flex-shrink: 0; }
.hero-badge-text { font-size: 12px; font-weight: 700; color: rgba(255,255,255,0.8); letter-spacing: 0.07em; text-transform: uppercase; }
.hero-h1 {
  font-size: clamp(40px, 5.5vw, 68px); font-weight: 800; color: #fff;
  line-height: 1.08; max-width: 760px; margin-bottom: 20px;
}
.hero-h1 .hi { color: var(--teal2); }
.hero-sub {
  font-size: clamp(15px, 1.8vw, 17.5px); color: rgba(255,255,255,0.72);
  line-height: 1.75; max-width: 560px; margin-bottom: 36px;
}
.hero-btns { display: flex; flex-wrap: wrap; gap: 12px; }

/* Breadcrumb */
.breadcrumb {
  display: flex; align-items: center; gap: 6px; margin-bottom: 22px; flex-wrap: wrap;
}
.breadcrumb a { font-size: 12.5px; color: rgba(255,255,255,0.45); text-decoration: none; transition: color .15s; }
.breadcrumb a:hover { color: rgba(255,255,255,0.8); }
.breadcrumb svg { opacity: .3; }
.bc-curr { font-size: 12.5px; color: rgba(255,255,255,0.65); }

/* ─── SECTIONS ──────────────────────────────────────────────── */
.sec-white  { background: var(--white); padding: 88px 28px; }
.sec-off    { background: var(--off);   padding: 88px 28px; }
.sec-navy   { background: var(--navy);  padding: 88px 28px; }
.sec-dark   { background: #0A1628;      padding: 88px 28px; }

.sec-inner  { max-width: 1280px; margin: 0 auto; }
.sec-narrow { max-width: 980px;  margin: 0 auto; }

/* Section header */
.sec-head { text-align: center; margin-bottom: 52px; }
.tag-line {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12px; font-weight: 700; letter-spacing: 0.09em;
  text-transform: uppercase; color: var(--teal); margin-bottom: 14px;
}
.tag-line::before {
  content: ''; width: 24px; height: 2.5px; background: currentColor;
  border-radius: 2px; display: inline-block;
}
.tag-line-gold { color: var(--gold2); }
.tag-line-gold::before { background: var(--gold2); }
.tag-line-white { color: rgba(255,255,255,0.55); }
.tag-line-white::before { background: rgba(255,255,255,0.55); }

.sec-h2 { font-size: clamp(28px, 3.5vw, 44px); font-weight: 800; color: var(--txt); }
.sec-h2-white { color: #fff; }
.sec-sub { font-size: 16px; color: var(--txt2); line-height: 1.7; max-width: 560px; margin: 14px auto 0; }
.sec-sub-white { color: rgba(255,255,255,0.6); }
.sec-sub-dark  { color: rgba(255,255,255,0.55); }

/* ─── GRIDS ─────────────────────────────────────────────────── */
.g2 { display: grid; grid-template-columns: 1fr; gap: 28px; }
.g3 { display: grid; grid-template-columns: 1fr; gap: 20px; }
.g4 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

@media (min-width: 680px)  { .g4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px)  { .g2 { grid-template-columns: 1fr 1fr; } .g3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .g4 { grid-template-columns: repeat(4, 1fr); } }

/* ─── FEATURE CARDS ────────────────────────────────────────── */
.feat-card {
  background: var(--white); border: 1.5px solid var(--border); border-radius: 14px;
  padding: 28px; transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .22s, border-color .22s;
}
.feat-card:hover { transform: translateY(-5px); box-shadow: 0 14px 40px rgba(12,28,50,.1); border-color: rgba(2,132,199,.35); }

.feat-card-dark {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px; padding: 28px;
  transition: background .22s, border-color .22s;
}
.feat-card-dark:hover { background: rgba(255,255,255,0.07); border-color: rgba(14,165,233,0.3); }

.icon-box {
  width: 50px; height: 50px; border-radius: 12px;
  background: rgba(2,132,199,0.09); display: flex; align-items: center;
  justify-content: center; margin-bottom: 18px; flex-shrink: 0;
}
.icon-box-dark {
  background: rgba(255,255,255,0.08);
}
.icon-box-navy {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--navy); display: flex; align-items: center;
  justify-content: center; margin-bottom: 18px; flex-shrink: 0;
}

/* ─── PROCESS STEPS ────────────────────────────────────────── */
.proc-grid { display: grid; grid-template-columns: 1fr; gap: 0; }
@media (min-width: 900px) { .proc-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1200px) { .proc-grid-6 { grid-template-columns: repeat(3, 1fr); } }

.proc-step { display: flex; gap: 18px; align-items: flex-start; }
.proc-step-light { display: flex; gap: 18px; align-items: flex-start; }
.proc-num {
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800;
  font-size: 42px; color: rgba(255,255,255,0.12); line-height: 1;
  flex-shrink: 0; min-width: 52px;
}
.proc-num-light { color: rgba(12,28,50,0.1); font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; font-size: 42px; line-height: 1; flex-shrink: 0; min-width: 52px; }
.proc-num-dark { color: rgba(12,28,50,.12); }
.proc-title { font-size: 15.5px; font-weight: 700; color: #fff; margin-bottom: 8px; }
.proc-title-dark { font-size: 15.5px; font-weight: 700; color: var(--txt); margin-bottom: 8px; }
.proc-desc { font-size: 13.5px; color: rgba(255,255,255,0.55); line-height: 1.7; }
.proc-desc-dark { font-size: 13.5px; color: var(--txt2); line-height: 1.7; }

/* Vertical timeline steps */
.vert-step { display: flex; gap: 20px; align-items: flex-start; padding-bottom: 28px; }
.vert-step:last-child { padding-bottom: 0; }
.vert-num-wrap { display: flex; flex-direction: column; align-items: center; flex-shrink: 0; }
.vert-num {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); color: #fff; display: flex; align-items: center;
  justify-content: center; font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700; font-size: 14px; flex-shrink: 0;
}
.vert-line { width: 2px; flex: 1; background: var(--border); margin-top: 6px; min-height: 20px; }

/* ─── CHECK LIST ────────────────────────────────────────────── */
.check-row { display: flex; gap: 14px; align-items: flex-start; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.07); }
.check-row:last-child { border-bottom: none; }
.check-icon {
  width: 26px; height: 26px; border-radius: 50%;
  background: rgba(14,165,233,0.15); border: 1px solid rgba(14,165,233,0.25);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px;
}

/* ─── SPLIT LAYOUT ──────────────────────────────────────────── */
.split { display: grid; grid-template-columns: 1fr; gap: 52px; align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; } }

.split-img {
  border-radius: 16px; overflow: hidden;
  box-shadow: 0 20px 60px rgba(12,28,50,0.15);
  aspect-ratio: 4/3; object-fit: cover; width: 100%;
}
.highlight-box {
  background: var(--off); border: 1.5px solid var(--border);
  border-radius: 16px; padding: 32px;
}
.highlight-box-dark {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px; padding: 32px;
}

/* ─── STATS BAR ─────────────────────────────────────────────── */
.stats-bar {
  background: var(--navy2); border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06); padding: 44px 28px;
}
.stats-bar-inner { max-width: 1280px; margin: 0 auto; display: grid; grid-template-columns: repeat(2,1fr); gap: 0; }
@media (min-width: 680px) { .stats-bar-inner { grid-template-columns: repeat(4,1fr); } }
.stat-item { text-align: center; padding: 8px 16px; border-right: 1px solid rgba(255,255,255,0.07); }
.stat-item:last-child { border-right: none; }
.stat-num { font-family:'Plus Jakarta Sans',sans-serif; font-weight:800; font-size:clamp(38px,4vw,52px); color:#fff; letter-spacing:-0.03em; line-height:1; }
.stat-lbl { font-size:13px; color:rgba(255,255,255,0.45); margin-top:5px; font-weight:500; }

/* ─── FORMS ─────────────────────────────────────────────────── */
.fi {
  width: 100%; padding: 12px 15px; border-radius: 8px;
  border: 1.5px solid var(--border); background: #fff;
  color: var(--txt); font-family: 'DM Sans', sans-serif; font-size: 14.5px;
  outline: none; transition: border-color .2s, box-shadow .2s;
  -webkit-appearance: none; appearance: none;
}
.fi:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(2,132,199,0.12); }
.fi::placeholder { color: var(--txt3); }
.fi option { color: var(--txt); background: #fff; }
.fi-lbl { display:block; font-size:12px; font-weight:700; letter-spacing:.05em; text-transform:uppercase; color:var(--txt2); margin-bottom:5px; }

/* Contact detail row */
.cd-row { display:flex; align-items:center; gap:14px; text-decoration:none; padding:11px 0; border-bottom:1px solid var(--border); }
.cd-row:last-of-type { border-bottom:none; }
.cd-row-lg { display:flex; align-items:center; gap:18px; text-decoration:none; padding:16px 0; border-bottom:1px solid var(--border); }
.cd-row-lg:last-of-type { border-bottom:none; }
.cd-icon {
  width:42px; height:42px; border-radius:11px;
  background:rgba(2,132,199,0.08); border:1.5px solid var(--border);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.cd-icon-lg {
  width:52px; height:52px; border-radius:13px;
  background:rgba(2,132,199,0.08); border:1.5px solid var(--border);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.cd-lbl { font-size:11px; color:var(--txt3); font-weight:700; letter-spacing:.06em; text-transform:uppercase; }
.cd-val { font-size:15px; font-weight:700; color:var(--txt); margin-top:1px; }

/* Feature card light variant */
.feat-card .fc-icon { width:46px; height:46px; border-radius:11px; background:rgba(2,132,199,0.08); display:flex; align-items:center; justify-content:center; margin-bottom:16px; }
.fc-icon { width:46px; height:46px; border-radius:11px; background:rgba(2,132,199,0.08); display:flex; align-items:center; justify-content:center; margin-bottom:16px; }
.fc-title { font-size:15.5px; font-weight:700; color:var(--txt); margin-bottom:8px; line-height:1.3; }
.fc-desc  { font-size:13.5px; color:var(--txt2); line-height:1.7; }

/* ─── REVEAL ANIMATION ──────────────────────────────────────── */
.reveal { opacity:0; transform:translateY(24px); transition:opacity .65s ease, transform .65s cubic-bezier(.16,1,.3,1); }
.reveal.in { opacity:1; transform:translateY(0); }

/* ─── FOOTER ─────────────────────────────────────────────────── */
#site-footer { background: var(--navy); }
.footer-main { max-width:1280px; margin:0 auto; padding:60px 28px 44px; }
.footer-grid { display:grid; grid-template-columns:1fr; gap:40px; }
@media (min-width:640px)  { .footer-grid { grid-template-columns:2fr 1fr 1fr; } }
.footer-lnk { font-size:13.5px; color:rgba(255,255,255,0.5); text-decoration:none; display:block; padding:3px 0; transition:color .15s; }
.footer-lnk:hover { color:rgba(255,255,255,0.9); }
.footer-bar {
  border-top:1px solid rgba(255,255,255,0.07);
  padding:20px 28px; max-width:1280px; margin:0 auto;
  display:flex; flex-wrap:wrap; gap:10px; align-items:center; justify-content:space-between;
}
.footer-small { font-size:12.5px; color:rgba(255,255,255,0.32); }

/* ─── SCROLLBAR ─────────────────────────────────────────────── */
::-webkit-scrollbar { width:6px; }
::-webkit-scrollbar-track { background:#f1f5f9; }
::-webkit-scrollbar-thumb { background:#c7d2e0; border-radius:3px; }

/* ─── SKIP LINK ──────────────────────────────────────────────── */
.skip-link {
  position: absolute;
  top: -100%;
  left: 0;
  z-index: 9999;
  background: var(--navy);
  color: #fff;
  padding: 10px 20px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  border-radius: 0 0 8px 0;
  transition: top .1s;
  font-family: 'Plus Jakarta Sans', sans-serif;
}
.skip-link:focus { top: 0; }

/* ─── FOCUS VISIBLE ──────────────────────────────────────────── */
:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 2px;
  border-radius: 3px;
}

/* ─── REDUCED MOTION ─────────────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  .reveal {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
  .ticker-track {
    animation-play-state: paused !important;
  }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ─── RESPONSIVE HELPERS ────────────────────────────────────── */
@media (max-width:767px) {
  .desk-only { display:none !important; }
  .sec-white,.sec-off,.sec-navy,.sec-dark { padding:64px 20px; }
  .page-hero { padding:108px 0 68px; }
  .sec-head { margin-bottom:36px; }
}
@media (min-width:768px) { .mob-only { display:none !important; } }

/* ─── MOBILE MENU ────────────────────────────────────────────── */
.mob-menu-btn { display:none; flex-direction:column; justify-content:center; gap:5px; width:36px; height:36px; background:none; border:none; cursor:pointer; padding:4px; }
.mob-menu-btn span { display:block; width:22px; height:2px; background:var(--txt); border-radius:2px; transition:transform .2s, opacity .2s; }
@media (max-width:767px) { .mob-menu-btn { display:flex; } }
.mob-menu-overlay { display:none; position:fixed; inset:0; z-index:999; }
.mob-menu-overlay.open { display:block; }
.mob-menu-backdrop { position:absolute; inset:0; background:rgba(0,0,0,0.4); }
.mob-menu-panel { position:absolute; top:0; left:0; bottom:0; width:300px; max-width:85vw; background:#fff; overflow-y:auto; padding:24px 20px; transform:translateX(-100%); transition:transform .25s ease; }
.mob-menu-overlay.open .mob-menu-panel { transform:translateX(0); }
.mob-menu-close { display:flex; align-items:center; justify-content:space-between; margin-bottom:24px; }
.mob-menu-close img { height:28px; }
.mob-menu-close button { background:none; border:none; cursor:pointer; padding:4px; color:var(--txt2); }
.mob-nav-link { display:block; font-size:15px; font-weight:600; color:var(--txt); padding:13px 0; border-bottom:1px solid var(--border); text-decoration:none; }
.mob-nav-link:last-child { border-bottom:none; }
.mob-nav-group { border-bottom:1px solid var(--border); }
.mob-nav-group-title { font-size:15px; font-weight:600; color:var(--txt); padding:13px 0; display:flex; align-items:center; justify-content:space-between; cursor:pointer; user-select:none; }
.mob-nav-sub { display:none; padding:0 0 8px 12px; }
.mob-nav-sub.open { display:block; }
.mob-nav-sub a { display:block; font-size:14px; color:var(--txt2); padding:8px 0; text-decoration:none; border-bottom:1px solid var(--off); }
.mob-nav-sub a:last-child { border-bottom:none; }
.mob-nav-sub a:hover { color:var(--teal); }