/* ==========================================================================
   Aussie Loan Apply — stylesheet
   Palette: blush pink + white, anchored with deep navy ink.
   ========================================================================== */

:root{
  --ink:#131A2E;
  --ink-2:#3A4358;
  --ink-3:#6B7387;
  --paper:#FFFFFF;
  --blush:#FBF1F4;
  --blush-2:#F4E2E8;
  --rose:#C4436B;
  --rose-deep:#8E2949;
  --line:#E7DDE1;
  --line-2:#D9CCD2;
  --ok:#1F7A5C;
  --warn:#9A4A12;

  --f-display:"Newsreader",Georgia,"Times New Roman",serif;
  --f-body:"Public Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;

  --wrap:1140px;
  --gap:clamp(1.25rem,4vw,2.5rem);
  --r:14px;
  --r-sm:9px;
  --shadow:0 1px 2px rgba(19,26,46,.06),0 8px 28px rgba(19,26,46,.07);
  --shadow-lg:0 2px 6px rgba(19,26,46,.08),0 24px 60px rgba(19,26,46,.13);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

body{
  margin:0;
  font-family:var(--f-body);
  font-size:17px;
  line-height:1.62;
  color:var(--ink-2);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
}

img{max-width:100%;height:auto;display:block}
a{color:var(--rose-deep);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--rose)}

h1,h2,h3,h4{
  font-family:var(--f-display);
  color:var(--ink);
  font-weight:500;
  line-height:1.14;
  letter-spacing:-.015em;
  margin:0 0 .5em;
}
h1{font-size:clamp(2.1rem,6.2vw,3.55rem)}
h2{font-size:clamp(1.65rem,4.2vw,2.5rem)}
h3{font-size:clamp(1.15rem,2.4vw,1.4rem);letter-spacing:-.005em}
h4{font-size:1.05rem}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.1em;padding-left:1.15em}
li{margin-bottom:.45em}

:focus-visible{outline:3px solid var(--rose);outline-offset:2px;border-radius:3px}

.wrap{width:min(100% - 2.2rem,var(--wrap));margin-inline:auto}
.wrap-narrow{width:min(100% - 2.2rem,760px);margin-inline:auto}
.section{padding-block:clamp(3.2rem,8vw,5.6rem)}
.section--blush{background:var(--blush)}
.section--ink{background:var(--ink);color:#C9CFDD}
.section--ink h2,.section--ink h3{color:#fff}
.skip{position:absolute;left:-9999px}
.skip:focus{left:1rem;top:1rem;z-index:200;background:#fff;padding:.7rem 1rem;border-radius:8px}

/* ---------- eyebrow: thin rose rule + tracked label ---------- */
.eyebrow{
  font-size:.71rem;
  font-weight:700;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--rose-deep);
  display:flex;
  align-items:center;
  gap:.7rem;
  margin:0 0 1rem;
}
.eyebrow::after{content:"";flex:1;height:1px;background:var(--line-2);max-width:180px}
.section--ink .eyebrow{color:#F0A8BF}
.section--ink .eyebrow::after{background:#2C3550}

/* ---------- header ---------- */
.hdr{
  position:sticky;top:0;z-index:100;
  background:var(--ink);
  border-bottom:1px solid #232C46;
}
.hdr__in{display:flex;align-items:center;gap:1rem;min-height:66px}
.brand{display:flex;flex-direction:column;text-decoration:none;line-height:1.05;padding-block:.5rem}
.brand__name{font-family:var(--f-display);font-size:1.28rem;color:#fff;font-weight:500;letter-spacing:-.01em}
.brand__sub{font-size:.6rem;letter-spacing:.17em;text-transform:uppercase;color:#8E97AE;margin-top:.28rem}
.nav{margin-left:auto;display:none}
.nav ul{display:flex;list-style:none;margin:0;padding:0;gap:.15rem;align-items:center}
.nav li{margin:0}
.nav a{
  display:block;padding:.55rem .78rem;font-size:.9rem;font-weight:500;
  color:#C9CFDD;text-decoration:none;border-radius:8px;
}
.nav a:hover{color:#fff;background:#212A44}
.nav a[aria-current="page"]{color:#fff}
.has-sub{position:relative}
.has-sub>button{
  font:inherit;font-size:.9rem;font-weight:500;color:#C9CFDD;background:none;border:0;
  padding:.55rem .78rem;border-radius:8px;cursor:pointer;display:flex;align-items:center;gap:.35rem;
}
.has-sub>button:hover{color:#fff;background:#212A44}
.has-sub>button svg{width:11px;height:11px;transition:transform .18s}
.has-sub[data-open="true"]>button svg{transform:rotate(180deg)}
.sub{
  position:absolute;top:calc(100% + 8px);right:0;min-width:290px;
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  box-shadow:var(--shadow-lg);padding:.5rem;display:none;
  grid-template-columns:1fr 1fr;gap:.1rem;
}
.has-sub[data-open="true"] .sub{display:grid}
.sub a{color:var(--ink);font-size:.85rem;padding:.5rem .6rem;border-radius:7px;white-space:nowrap}
.sub a:hover{background:var(--blush);color:var(--rose-deep)}

.hdr__cta{
  margin-left:auto;display:inline-flex;align-items:center;
  background:var(--rose);color:#fff;text-decoration:none;
  font-size:.85rem;font-weight:600;padding:.6rem 1.05rem;border-radius:999px;
}
.hdr__cta:hover{background:var(--rose-deep);color:#fff}
.burger{
  margin-left:.4rem;background:none;border:1px solid #38415C;border-radius:9px;
  width:42px;height:38px;display:grid;place-items:center;cursor:pointer;
}
.burger span{display:block;width:17px;height:1.5px;background:#fff;position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:17px;height:1.5px;background:#fff}
.burger span::before{top:-5px}.burger span::after{top:5px}

.mnav{display:none;background:var(--ink);border-top:1px solid #232C46;padding:.8rem 0 1.4rem}
.mnav[data-open="true"]{display:block}
.mnav a{display:block;color:#C9CFDD;text-decoration:none;padding:.62rem .2rem;font-size:.98rem;border-bottom:1px solid #1E2740}
.mnav a:hover{color:#fff}
.mnav .mnav__h{font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:#7A8299;margin:1.15rem 0 .3rem;font-weight:700}

@media (min-width:1000px){
  .nav{display:block}
  .burger{display:none}
  .mnav{display:none !important}
  .hdr__cta{margin-left:.6rem}
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:var(--f-body);font-size:1rem;font-weight:600;
  padding:.92rem 1.6rem;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;text-decoration:none;transition:background .15s,color .15s,border-color .15s;
}
.btn--primary{background:var(--rose);color:#fff}
.btn--primary:hover{background:var(--rose-deep);color:#fff}
.btn--ghost{background:transparent;color:var(--ink);border-color:var(--line-2)}
.btn--ghost:hover{border-color:var(--ink);color:var(--ink)}
.btn--block{width:100%}
.btn[disabled]{opacity:.45;cursor:not-allowed}

/* ---------- hero ---------- */
.hero{background:linear-gradient(174deg,var(--blush) 0%,#fff 78%);padding-block:clamp(2.4rem,6vw,4.4rem) clamp(2.6rem,7vw,4.8rem);overflow:hidden}
.hero__grid{display:grid;gap:clamp(2rem,5vw,3.2rem)}
.hero h1{margin-bottom:.55rem}
.hero h1 em{font-style:italic;color:var(--rose-deep)}
.hero__lede{font-size:clamp(1.03rem,2.2vw,1.18rem);color:var(--ink-2);max-width:34em;margin-bottom:1.5rem}
.hero__pts{list-style:none;padding:0;margin:0 0 1.7rem;display:grid;gap:.55rem}
.hero__pts li{display:flex;gap:.6rem;align-items:flex-start;font-size:.96rem;color:var(--ink-2);margin:0}
.hero__pts svg{flex:0 0 17px;width:17px;height:17px;margin-top:.24rem;color:var(--rose)}
@media (min-width:900px){
  .hero__grid{grid-template-columns:1fr 460px;align-items:start}
}

/* ---------- signature: eligibility gate ---------- */
.gate{
  background:#fff;border:1px solid var(--line);border-left:4px solid var(--rose);
  border-radius:var(--r);padding:1.35rem 1.4rem;box-shadow:var(--shadow);
}
.gate__h{
  font-family:var(--f-body);font-size:.71rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--rose-deep);margin:0 0 .9rem;
}
.gate ul{list-style:none;margin:0;padding:0;display:grid;gap:.7rem}
.gate li{display:grid;grid-template-columns:22px 1fr;gap:.7rem;align-items:start;margin:0;font-size:.94rem;color:var(--ink)}
.gate li b{font-weight:600}
.gate__tick{
  width:20px;height:20px;border-radius:50%;background:var(--blush-2);
  display:grid;place-items:center;margin-top:.14rem;
}
.gate__tick svg{width:11px;height:11px;color:var(--rose-deep)}
.gate__note{margin:1rem 0 0;font-size:.82rem;color:var(--ink-3);line-height:1.55}

/* ---------- form ---------- */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);overflow:hidden}
.form-card__hd{background:var(--ink);color:#fff;padding:1.1rem 1.4rem}
.form-card__hd h2,.form-card__hd h3{color:#fff;margin:0;font-size:1.28rem}
.form-card__hd p{margin:.3rem 0 0;font-size:.84rem;color:#A9B2C6}
.form-card__bd{padding:1.4rem}
.fld{margin-bottom:1rem}
.fld label,.fld legend{display:block;font-size:.83rem;font-weight:600;color:var(--ink);margin-bottom:.36rem;padding:0}
.req{color:var(--rose)}
.fld input,.fld select,.fld textarea{
  width:100%;font:inherit;font-size:16px;color:var(--ink);
  padding:.72rem .85rem;border:1.5px solid var(--line-2);border-radius:var(--r-sm);
  background:#fff;transition:border-color .15s;
}
.fld input:focus,.fld select:focus,.fld textarea:focus{border-color:var(--rose);outline:none;box-shadow:0 0 0 3px rgba(196,67,107,.13)}
.fld textarea{min-height:88px;resize:vertical}
.fld select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath fill='%236B7387' d='M1 1.5 6 6.5l5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .9rem center;background-size:11px;padding-right:2.3rem}
.fld__hint{font-size:.78rem;color:var(--ink-3);margin:.32rem 0 0}
.grid-2{display:grid;gap:0 1rem}
@media (min-width:560px){.grid-2{grid-template-columns:1fr 1fr}}
fieldset{border:0;margin:0 0 1rem;padding:0}
.chips{display:flex;flex-wrap:wrap;gap:.5rem}
.chips input{position:absolute;opacity:0;width:0;height:0}
.chips label{
  display:inline-block;margin:0;padding:.5rem .95rem;border:1.5px solid var(--line-2);
  border-radius:999px;font-size:.87rem;font-weight:500;cursor:pointer;color:var(--ink-2);
}
.chips input:checked+label{background:var(--rose);border-color:var(--rose);color:#fff}
.chips input:focus-visible+label{outline:3px solid var(--rose);outline-offset:2px}
.consent{display:grid;grid-template-columns:20px 1fr;gap:.65rem;align-items:start;font-size:.82rem;color:var(--ink-2);line-height:1.55}
.consent input{width:18px;height:18px;margin-top:.16rem;accent-color:var(--rose)}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.form-foot{font-size:.76rem;color:var(--ink-3);margin:.9rem 0 0;line-height:1.55}

.notice{
  border-radius:var(--r-sm);padding:.95rem 1.1rem;font-size:.88rem;line-height:1.6;
  margin-bottom:1rem;display:none;
}
.notice[data-show="true"]{display:block}
.notice--stop{background:#FDF3EC;border:1px solid #E9CDB4;color:#7A3A0C}
.notice--stop b{color:#5E2C08}

/* ---------- loan index (typographic list) ---------- */
.index{border-top:1px solid var(--line)}
.index__row{
  display:grid;grid-template-columns:1fr auto;gap:.5rem 1.5rem;align-items:center;
  padding:1.15rem .25rem;border-bottom:1px solid var(--line);
  text-decoration:none;color:inherit;transition:background .15s,padding .15s;
}
.index__row:hover{background:var(--blush);padding-inline:.85rem}
.index__row:hover .index__name{color:var(--rose-deep)}
.index__name{font-family:var(--f-display);font-size:1.24rem;color:var(--ink);font-weight:500;margin:0 0 .18rem;letter-spacing:-.01em}
.index__desc{font-size:.9rem;color:var(--ink-3);margin:0;line-height:1.5}
.index__amt{
  font-size:.79rem;font-weight:600;letter-spacing:.03em;color:var(--ink-2);
  background:var(--blush);border:1px solid var(--blush-2);
  padding:.34rem .7rem;border-radius:999px;white-space:nowrap;grid-column:1;justify-self:start;
}
.index__go{width:20px;height:20px;color:var(--line-2);grid-row:1/span 2;grid-column:2}
.index__row:hover .index__go{color:var(--rose)}
@media (min-width:600px){
  .index__row{grid-template-columns:1fr auto 22px}
  .index__amt{grid-column:2;grid-row:1/span 2;align-self:center}
  .index__go{grid-column:3}
}

/* ---------- steps ---------- */
.steps{display:grid;gap:1.6rem;counter-reset:s}
@media (min-width:800px){.steps{grid-template-columns:repeat(3,1fr);gap:2.2rem}}
.step{counter-increment:s;position:relative;padding-top:2.6rem}
.step::before{
  content:counter(s,decimal-leading-zero);
  position:absolute;top:0;left:0;
  font-family:var(--f-display);font-size:1.5rem;color:var(--rose);
}
.step::after{content:"";position:absolute;top:2.1rem;left:0;width:34px;height:1px;background:var(--line-2)}
.step h3{margin-bottom:.4rem}
.step p{margin:0;font-size:.94rem}

/* ---------- feature cards ---------- */
.cards{display:grid;gap:1.1rem}
@media (min-width:700px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.cards--3{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.4rem}
.card h3{font-size:1.12rem;margin-bottom:.4rem}
.card p{margin:0;font-size:.93rem}
.section--blush .card{background:#fff}

/* ---------- prose ---------- */
.prose{max-width:70ch}
.prose h2{margin-top:2.4rem}
.prose h3{margin-top:1.8rem}
.prose h2:first-child,.prose h3:first-child{margin-top:0}
.prose li{font-size:.98rem}

/* ---------- faq ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  cursor:pointer;list-style:none;padding:1.05rem .25rem;
  font-family:var(--f-display);font-size:1.08rem;color:var(--ink);font-weight:500;
  display:flex;justify-content:space-between;gap:1rem;align-items:flex-start;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--rose);font-family:var(--f-body);font-size:1.3rem;line-height:1;flex:0 0 auto}
.faq details[open] summary::after{content:"\2212"}
.faq details[open] summary{color:var(--rose-deep)}
.faq__a{padding:0 .25rem 1.15rem;font-size:.95rem;max-width:66ch}
.faq__a p:last-child{margin-bottom:0}

/* ---------- CTA band ---------- */
.band{background:var(--ink);color:#C9CFDD;padding-block:clamp(2.8rem,7vw,4.2rem);text-align:center}
.band h2{color:#fff;margin-bottom:.6rem}
.band p{max-width:52ch;margin-inline:auto;margin-bottom:1.6rem;color:#A9B2C6}

/* ---------- footer ---------- */
.ftr{background:#0D1322;color:#8E97AE;font-size:.87rem;padding-block:3rem 2rem}
.ftr__grid{display:grid;gap:2rem;margin-bottom:2.4rem}
@media (min-width:720px){.ftr__grid{grid-template-columns:1.4fr 1fr 1fr 1fr}}
.ftr h4{color:#fff;font-family:var(--f-body);font-size:.7rem;letter-spacing:.15em;text-transform:uppercase;margin:0 0 .9rem}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:.45rem}
.ftr a{color:#8E97AE;text-decoration:none}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr__brand{font-family:var(--f-display);font-size:1.3rem;color:#fff;margin:0 0 .6rem}
.ftr__legal{border-top:1px solid #1E2740;padding-top:1.6rem;font-size:.77rem;line-height:1.7;color:#727B92}
.ftr__legal p{margin:0 0 .8rem;max-width:88ch}
.ftr__legal strong{color:#A9B2C6;font-weight:600}
.ftr__acl{color:#A9B2C6}

/* ---------- misc ---------- */
.page-hd{background:var(--blush);padding-block:clamp(2.4rem,6vw,3.8rem) clamp(2rem,5vw,3rem);border-bottom:1px solid var(--line)}
.page-hd .eyebrow{margin-bottom:.8rem}
.page-hd h1{margin-bottom:.55rem;max-width:20ch}
.page-hd p{font-size:clamp(1rem,2vw,1.14rem);max-width:56ch;margin:0}
.crumb{font-size:.8rem;color:var(--ink-3);margin:0 0 1rem}
.crumb a{color:var(--ink-3)}
.split{display:grid;gap:clamp(2rem,5vw,3.4rem);align-items:start}
@media (min-width:960px){.split{grid-template-columns:1fr 420px}}
.sticky{position:sticky;top:86px}
.tags{display:flex;flex-wrap:wrap;gap:.45rem;list-style:none;padding:0;margin:0 0 1.4rem}
.tags li{margin:0;font-size:.8rem;font-weight:500;color:var(--ink-2);background:#fff;border:1px solid var(--line-2);padding:.32rem .75rem;border-radius:999px}
.section--blush .tags li{background:#fff}
.lede{font-size:1.1rem;color:var(--ink-2)}
.check{list-style:none;padding:0;display:grid;gap:.6rem}
.check li{display:grid;grid-template-columns:19px 1fr;gap:.65rem;align-items:start;margin:0;font-size:.97rem}
.check svg{width:17px;height:17px;color:var(--rose);margin-top:.24rem}
.tbl{width:100%;border-collapse:collapse;font-size:.93rem;margin-bottom:1.4rem}
.tbl th,.tbl td{text-align:left;padding:.8rem .6rem;border-bottom:1px solid var(--line)}
.tbl th{font-weight:600;color:var(--ink);width:45%}
.muted{color:var(--ink-3);font-size:.86rem}

/* reveal */
.rv{opacity:0;transform:translateY(14px);transition:opacity .55s ease,transform .55s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}}

/* ============================ RATE DISCLOSURE ============================ */
.rates{display:grid;gap:1.2rem}
@media (min-width:820px){.rates--two{grid-template-columns:1fr 1fr}}
.rate-col{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.4rem}
.rate-col__h{
  font-size:.71rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--rose-deep);margin:0 0 1.1rem;
}
/* Interest rate + comparison rate: identical treatment. s164(2) NCC requires
   the comparison rate to be no less prominent than the annual percentage rate. */
.rate-pair{display:grid;gap:.9rem;padding-bottom:1.1rem;border-bottom:1px solid var(--line);margin-bottom:1.1rem}
@media (min-width:480px){.rate-pair{grid-template-columns:1fr 1fr;gap:1.2rem}}
.rate-fig{display:flex;flex-direction:column;gap:.25rem}
.rate-fig__lbl{font-size:.78rem;font-weight:600;color:var(--ink-3);letter-spacing:.01em}
.rate-fig__val{
  font-family:var(--f-display);font-size:1.32rem;font-weight:500;
  color:var(--ink);letter-spacing:-.01em;line-height:1.2;
}
.rate-dl{display:grid;grid-template-columns:1fr auto;gap:.5rem 1rem;margin:0 0 1.1rem;font-size:.9rem}
.rate-dl dt{color:var(--ink-3)}
.rate-dl dd{margin:0;color:var(--ink);font-weight:600;text-align:right}
.rate-max{
  margin:0 0 1rem;padding:.7rem .9rem;background:var(--blush);border-radius:var(--r-sm);
  font-size:.9rem;color:var(--ink);
}
.rate-ex{margin:0;font-size:.86rem;line-height:1.62;color:var(--ink-2)}
.rate-warn{
  margin:1.4rem 0 0;padding:1rem 1.2rem;background:#FDF3EC;border:1px solid #E9CDB4;
  border-radius:var(--r-sm);font-size:.86rem;line-height:1.6;color:#7A3A0C;
}
.rate-warn strong{color:#5E2C08}
.rate-note{margin:1rem 0 0;font-size:.84rem;line-height:1.62;color:var(--ink-3);max-width:80ch}

/* ============================== CALCULATOR ============================== */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.5rem;box-shadow:var(--shadow)}
.calc__ctl{margin-bottom:1.3rem}
.calc__ctl label{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;font-size:.85rem;font-weight:600;color:var(--ink);margin-bottom:.5rem}
.calc__ctl output{font-family:var(--f-display);font-size:1.12rem;font-weight:500;color:var(--rose-deep)}
.calc input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:99px;
  background:var(--blush-2);outline:none;
}
.calc input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:26px;height:26px;border-radius:50%;
  background:var(--rose);cursor:pointer;border:3px solid #fff;box-shadow:0 1px 6px rgba(19,26,46,.28);
}
.calc input[type=range]::-moz-range-thumb{
  width:26px;height:26px;border-radius:50%;background:var(--rose);cursor:pointer;
  border:3px solid #fff;box-shadow:0 1px 6px rgba(19,26,46,.28);
}
.calc input[type=range]:focus-visible{outline:3px solid var(--rose);outline-offset:4px}
.calc__out{
  background:var(--ink);border-radius:var(--r-sm);padding:1.3rem;margin-top:1.6rem;
  display:grid;gap:1.2rem;
}
@media (min-width:560px){.calc__out{grid-template-columns:auto 1fr;align-items:center;gap:2rem}}
.calc__lbl{display:block;font-size:.73rem;letter-spacing:.13em;text-transform:uppercase;color:#8E97AE;margin-bottom:.3rem;font-weight:700}
.calc__big{font-family:var(--f-display);font-size:2.5rem;color:#fff;font-weight:500;line-height:1;letter-spacing:-.02em}
.calc__dl{display:grid;grid-template-columns:1fr auto;gap:.45rem 1rem;margin:0;font-size:.88rem}
.calc__dl dt{color:#8E97AE}
.calc__dl dd{margin:0;color:#fff;font-weight:600;text-align:right}
.calc__note{margin:1.1rem 0 0;font-size:.79rem;line-height:1.6;color:var(--ink-3)}

/* ==========================================================================
   3-step enquiry wizard  (added 2026-08 — replaces the single long form)
   ========================================================================== */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

.wiz__bar{height:4px;border-radius:99px;background:var(--blush-2);overflow:hidden;margin-bottom:.7rem}
.wiz__fill{display:block;height:100%;background:var(--rose);border-radius:99px;transition:width .3s ease}
.wiz__count{margin:0 0 1.25rem;font-size:.73rem;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-3);font-weight:700}
.wiz__count b{color:var(--rose-deep)}

.wiz__step{display:none}
.wiz__step[data-active="true"]{display:block;animation:wizIn .28s ease}
@keyframes wizIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.wiz__step[data-active="true"]{animation:none}.wiz__fill{transition:none}}

.wiz__q{font-family:var(--f-body);font-size:.95rem;font-weight:700;color:var(--ink);margin:0 0 .75rem}
.wiz__step .wiz__q:not(:first-of-type){margin-top:1.6rem}
.wiz__opt{font-weight:500;color:var(--ink-3);font-size:.78rem;letter-spacing:0;text-transform:none}
.wiz__hint{font-size:.78rem;color:var(--ink-3);line-height:1.55;margin:.9rem 0 0}

/* tappable option grid — min 48px targets throughout */
.opts{display:flex;flex-wrap:wrap;gap:.5rem}
.opts--2{display:grid;grid-template-columns:1fr 1fr;gap:.5rem}
.opts input{position:absolute;opacity:0;width:0;height:0}
.opts label{
  display:flex;flex-direction:column;justify-content:center;margin:0;
  min-height:48px;padding:.7rem 1rem;border:1.5px solid var(--line-2);border-radius:var(--r-sm);
  font-size:.9rem;font-weight:600;color:var(--ink-2);cursor:pointer;background:#fff;
  transition:border-color .14s,background .14s,color .14s;
}
.opts--2 label{align-items:flex-start;text-align:left}
.opts label span{display:block;font-size:.74rem;font-weight:500;color:var(--ink-3);margin-top:.12rem}
.opts label:hover{border-color:var(--rose)}
.opts input:checked+label{background:var(--rose);border-color:var(--rose);color:#fff}
.opts input:checked+label span{color:rgba(255,255,255,.82)}
.opts input:focus-visible+label{outline:3px solid var(--rose);outline-offset:2px}

.wiz__nav{display:grid;grid-template-columns:auto 1fr;gap:.6rem;margin-top:1.5rem}
.wiz__nav .btn{width:100%}
.wiz__step>.btn--block{margin-top:1.5rem}

.wiz__err{
  background:#FDF3F0;border:1px solid #E8C4B8;border-left:4px solid var(--warn);
  border-radius:var(--r-sm);padding:.8rem .95rem;margin-top:1.1rem;
  font-size:.85rem;color:#7A3A0E;line-height:1.55;
}
.wiz__err[hidden]{display:none}

.wiz__more{margin:.2rem 0 1rem}
.wiz__more summary{font-size:.83rem;font-weight:600;color:var(--rose-deep);cursor:pointer;padding:.55rem 0;min-height:44px;display:flex;align-items:center}
.wiz__more summary::marker{color:var(--rose)}

.wiz__stop .wiz__stopbody{font-size:.9rem;color:var(--ink-2);line-height:1.62}
.wiz__stop .wiz__stopbody p{margin:0 0 .8rem}
.wiz__stop .wiz__stopbody a{color:var(--rose-deep)}

.fld input[aria-invalid="true"],.fld textarea[aria-invalid="true"]{border-color:var(--warn);background:#FFFCFA}

/* ---------- mobile tap-target + safe-area corrections ---------- */
.burger{width:46px;height:46px}
.mnav a{padding:.8rem .2rem;min-height:48px;display:flex;align-items:center}
.chips label{min-height:44px;display:inline-flex;align-items:center}
.ftr{padding-bottom:calc(2.6rem + env(safe-area-inset-bottom,0px))}

/* ==========================================================================
   Ad landing pages — no nav, one job, one form
   ========================================================================== */
.lp-hdr{background:var(--ink);padding:.9rem 0}
.lp-hdr__in{display:flex;align-items:center;justify-content:space-between;gap:1rem}
.lp-hdr__id{display:flex;flex-direction:column}
.lp-hdr__name{font-family:var(--f-display);font-size:1.18rem;color:#fff;font-weight:500}
.lp-hdr__acl{font-size:.58rem;letter-spacing:.16em;text-transform:uppercase;color:#8E97AE;margin-top:.24rem}
.lp-hdr__tel{color:#C9CFDD;text-decoration:none;font-size:.82rem;font-weight:600;white-space:nowrap}
.lp-hdr__tel:hover{color:#fff}

.lp-hero{background:linear-gradient(174deg,var(--blush) 0%,#fff 80%);padding-block:clamp(2rem,5vw,3.4rem) clamp(2.2rem,6vw,4rem)}
.lp-grid{display:grid;gap:clamp(1.8rem,5vw,3rem)}
@media (min-width:940px){.lp-grid{grid-template-columns:1fr 452px;align-items:start}}
.lp-hero h1{margin-bottom:.6rem;font-size:clamp(1.95rem,5.2vw,3rem)}
.lp-hero h1 em{font-style:italic;color:var(--rose-deep)}
.lp-lede{font-size:clamp(1.02rem,2.2vw,1.16rem);color:var(--ink-2);max-width:34em;margin-bottom:1.5rem}

.lp-pts{list-style:none;padding:0;margin:0 0 1.8rem;display:grid;gap:.6rem}
.lp-pts li{display:flex;gap:.65rem;align-items:flex-start;font-size:.96rem;color:var(--ink-2);margin:0}
.lp-pts svg{flex:0 0 17px;width:17px;height:17px;margin-top:.25rem;color:var(--rose)}

.lp-trust{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1.9rem}
.lp-trust span{
  display:inline-flex;align-items:center;gap:.4rem;background:#fff;border:1px solid var(--line);
  border-radius:999px;padding:.44rem .9rem;font-size:.78rem;font-weight:600;color:var(--ink-2);
}
.lp-trust b{color:var(--rose-deep);font-weight:700}

.lp-body{padding-block:clamp(2.4rem,6vw,4rem)}
.lp-body h2{font-size:clamp(1.5rem,3.4vw,2rem);margin-bottom:.8rem}
.lp-body h3{font-size:1.06rem;margin:2rem 0 .5rem}
.lp-body p{max-width:62ch}
.lp-body ul{max-width:62ch}

.lp-cta{background:var(--ink);border-radius:var(--r);padding:clamp(1.6rem,4vw,2.4rem);margin-top:2.6rem;text-align:center}
.lp-cta h2{color:#fff;margin-bottom:.5rem}
.lp-cta p{color:#A9B2C6;margin:0 auto 1.4rem;max-width:46ch}

.lp-ftr{background:var(--ink);color:#8E97AE;padding:2.2rem 0 calc(2.2rem + env(safe-area-inset-bottom,0px));font-size:.76rem;line-height:1.62}
.lp-ftr a{color:#C9CFDD}
.lp-ftr p{margin:0 0 .8rem;max-width:none}
.lp-ftr__links{display:flex;flex-wrap:wrap;gap:.4rem 1.1rem;margin-bottom:1.2rem}
.lp-ftr__links a{text-decoration:none;font-weight:600}
.lp-ftr__links a:hover{color:#fff}


/* ---- business questions, revealed only for commercial purposes ---- */
[hidden]{display:none !important}
.wiz__biz{margin-top:.2rem;padding-top:.2rem}
.wiz__biz .fld{margin-bottom:.9rem}


/* ---- paired fields: two per row on anything wider than a small phone ---- */
.fld-row{display:grid;grid-template-columns:1fr;gap:0 .7rem}
@media (min-width:380px){.fld-row{grid-template-columns:1fr 1fr}}
.fld-row .fld{min-width:0}
.fld input[type="date"]{-webkit-appearance:none;appearance:none;min-height:2.9rem}


/* ---- freshness stamp on rate disclosures (YMYL trust signal) ---- */
.rate-asat{margin:1rem 0 0;font-size:.76rem;line-height:1.5;opacity:.72}
.rate-asat time{font-weight:600}


/* ---- property questions, shown only for home and commercial lending ---- */
.wiz__prop{margin-top:.2rem}
.amt-set[hidden],.amt-hint[hidden],.wiz__prop[hidden],.wiz__biz[hidden]{display:none !important}


/* ---- the loan menu grew; give it two columns on desktop ---- */
@media (min-width:900px){
  .sub{--sub-cols:2;display:grid;grid-template-columns:repeat(2,minmax(9.5rem,1fr));gap:0 .4rem}
}

/* fix: restore the dropdown's closed state */
.sub{display:none}
.has-sub[data-open="true"].sub{display:grid}