/* ==========================================================================
   KDLOANS — Australian Mortgage Broking
   Design System: Apple-Inspired Minimalist & Futuristic Glassmorphism
   Ultra-Responsive: 1440px Max-Width Fluid Layout with Zero Bloat
   ========================================================================== */

:root {
  /* Color Palette - Monochromatic Futurism with Apple Electric Accents */
  --bg-base: #06080d;
  --bg-surface: #0b1019;
  --bg-surface-elevated: #111726;
  --bg-surface-glass: rgba(14, 20, 32, 0.78);
  --bg-surface-glass-hover: rgba(22, 31, 48, 0.9);
  --bg-input: rgba(15, 23, 42, 0.7);
  
  /* Text & Contrast */
  --text-primary: #f8fafc;
  --text-secondary: #94a3b8;
  --text-muted: #64748b;
  --text-inverse: #020617;
  
  /* Brand Accents */
  --accent-blue: #0071e3;
  --accent-blue-hover: #0077ed;
  --accent-cyan: #00f0ff;
  --accent-glow: rgba(0, 113, 227, 0.28);
  --accent-green: #30d158;
  --accent-gold: #ffd60a;
  
  /* Borders & Dividers */
  --border-subtle: rgba(255, 255, 255, 0.08);
  --border-medium: rgba(255, 255, 255, 0.15);
  --border-glow: rgba(0, 240, 255, 0.4);
  
  /* Shadows & Depth */
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.3);
  --shadow-md: 0 8px 24px -4px rgba(0, 0, 0, 0.45);
  --shadow-lg: 0 24px 48px -12px rgba(0, 0, 0, 0.6);
  --shadow-glow: 0 0 35px rgba(0, 113, 227, 0.18);
  
  /* Typography & Layout */
  --font-family: -apple-system, BlinkMacSystemFont, "SF Pro Display", "SF Pro Text", "Inter", "Helvetica Neue", sans-serif;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 30px;
  --radius-full: 9999px;
  
  /* Fluid Max-Width Full-Viewport Container */
  --container-max: 1440px;
  --transition-fast: 0.18s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-normal: 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-smooth: 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Base Reset & Core Defaults */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-family: var(--font-family);
  background-color: var(--bg-base);
  color: var(--text-primary);
  scroll-behavior: smooth;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  line-height: 1.6;
  background-color: var(--bg-base);
  color: var(--text-primary);
  overflow-x: hidden;
  position: relative;
  min-height: 100vh;
}

/* Futuristic Ambient Background Radial */
body::before {
  content: "";
  position: fixed;
  top: -20%;
  left: 50%;
  transform: translateX(-50%);
  width: 1100px;
  height: 700px;
  background: radial-gradient(circle, rgba(0, 113, 227, 0.14) 0%, rgba(0, 240, 255, 0.05) 45%, transparent 70%);
  pointer-events: none;
  z-index: 0;
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

img, svg {
  display: block;
  max-width: 100%;
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  color: inherit;
  outline: none;
  border: none;
}

/* 1. Full-Viewport Responsive Layout Container */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 clamp(1.25rem, 4vw, 3.5rem);
  position: relative;
  z-index: 1;
}

/* ==========================================================================
   Navigation Bar (Apple Glass Header)
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(6, 8, 13, 0.75);
  backdrop-filter: blur(24px) saturate(180%);
  -webkit-backdrop-filter: blur(24px) saturate(180%);
  border-bottom: 1px solid var(--border-subtle);
  transition: background var(--transition-normal);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.3rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--text-primary);
}

.brand-symbol {
  width: 34px;
  height: 34px;
  background: linear-gradient(135deg, #0071e3 0%, #00f0ff 100%);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 16px rgba(0, 113, 227, 0.45);
}

.brand-symbol svg {
  width: 19px;
  height: 19px;
  fill: #fff;
}

.brand-badge {
  font-size: 0.68rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 3px 8px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid var(--border-subtle);
  color: var(--text-secondary);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color var(--transition-fast);
}

.nav-links a:hover {
  color: var(--text-primary);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.phone-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--border-subtle);
  color: var(--text-primary);
  transition: all var(--transition-fast);
}

.phone-pill:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: var(--border-medium);
}

.pulse-dot {
  width: 8px;
  height: 8px;
  background-color: var(--accent-green);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--accent-green);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0% { transform: scale(0.95); opacity: 0.8; }
  50% { transform: scale(1.2); opacity: 1; }
  100% { transform: scale(0.95); opacity: 0.8; }
}

/* Modern Apple Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.92rem;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition-normal);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--text-primary);
  color: var(--text-inverse);
  box-shadow: 0 4px 14px rgba(255, 255, 255, 0.2);
}

.btn-primary:hover {
  background: #ffffff;
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(255, 255, 255, 0.35);
}

.btn-accent {
  background: linear-gradient(135deg, #0071e3 0%, #00a2ff 100%);
  color: #ffffff;
  box-shadow: 0 4px 18px rgba(0, 113, 227, 0.35);
}

.btn-accent:hover {
  background: linear-gradient(135deg, #0077ed 0%, #1ab0ff 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(0, 113, 227, 0.55);
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.08);
  color: var(--text-primary);
  border: 1px solid var(--border-medium);
  backdrop-filter: blur(10px);
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.3);
}

/* ==========================================================================
   Hero Section with High-Contrast Value Proposition
   ========================================================================== */
.hero-section {
  padding: 70px 0 50px;
  position: relative;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(32px, 5vw, 64px);
  align-items: center;
}

.hero-pill-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  background: rgba(0, 113, 227, 0.12);
  border: 1px solid rgba(0, 240, 255, 0.3);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--accent-cyan);
  margin-bottom: 24px;
  box-shadow: 0 0 16px rgba(0, 240, 255, 0.15);
}

.hero-title {
  font-size: clamp(2.4rem, 4.6vw, 4.2rem);
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.08;
  margin-bottom: 20px;
}

.hero-title .gradient-text {
  background: linear-gradient(135deg, #ffffff 40%, #00f0ff 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-description {
  font-size: clamp(1rem, 1.4vw, 1.18rem);
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 32px;
  max-width: 580px;
}

.hero-cta-group {
  display: flex;
  gap: 16px;
  align-items: center;
  flex-wrap: wrap;
}

.hero-highlights {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 36px;
  padding-top: 32px;
  border-top: 1px solid var(--border-subtle);
}

.highlight-item h4 {
  font-size: 1.65rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--text-primary);
}

.highlight-item p {
  font-size: 0.82rem;
  color: var(--text-muted);
  font-weight: 500;
  margin-top: 2px;
}

/* ==========================================================================
   Client Comfort & Trust Bar (3 Micro-Badges)
   ========================================================================== */
.trust-bar {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 32px 0 0;
  padding: 18px 24px;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  backdrop-filter: blur(16px);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.82rem;
  color: var(--text-secondary);
  line-height: 1.4;
}

.trust-item strong {
  color: var(--text-primary);
}

.trust-item-icon {
  font-size: 1.3rem;
  flex-shrink: 0;
}

/* ==========================================================================
   Hero Frictionless Borrowing Power Calculator
   ========================================================================== */
.calc-card {
  background: var(--bg-surface-glass);
  backdrop-filter: blur(28px) saturate(190%);
  -webkit-backdrop-filter: blur(28px) saturate(190%);
  border: 1px solid var(--border-medium);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3.5vw, 36px);
  box-shadow: var(--shadow-lg), var(--shadow-glow);
  position: relative;
  overflow: hidden;
}

.calc-card::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--accent-cyan), transparent);
}

.calc-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
}

.calc-header h3 {
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.calc-segment-tabs {
  display: flex;
  background: rgba(0, 0, 0, 0.4);
  padding: 3px;
  border-radius: var(--radius-full);
  border: 1px solid var(--border-subtle);
}

.calc-tab {
  padding: 6px 16px;
  font-size: 0.8rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  cursor: pointer;
  color: var(--text-secondary);
  background: transparent;
  transition: all var(--transition-fast);
}

.calc-tab.active {
  background: var(--bg-surface-elevated);
  color: var(--text-primary);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
}

.calc-group {
  margin-bottom: 18px;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}

.calc-label {
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.calc-val-display {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--accent-cyan);
}

/* Custom Minimalist Sliders */
.calc-range {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-full);
  outline: none;
  transition: background var(--transition-fast);
}

.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #ffffff;
  cursor: pointer;
  border: 2px solid var(--accent-blue);
  box-shadow: 0 0 10px rgba(0, 113, 227, 0.6);
  transition: transform var(--transition-fast);
}

.calc-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calc-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #ffffff;
  cursor: pointer;
  border: 2px solid var(--accent-blue);
  box-shadow: 0 0 10px rgba(0, 113, 227, 0.6);
}

.calc-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.calc-input-wrapper {
  position: relative;
  margin-top: 6px;
}

.calc-input-wrapper span {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 600;
}

.calc-input {
  width: 100%;
  background: var(--bg-input);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-sm);
  padding: 10px 12px 10px 28px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-primary);
  transition: border-color var(--transition-fast);
}

.calc-input:focus {
  border-color: var(--accent-blue);
  background: rgba(15, 23, 42, 0.95);
}

/* Calculator Output Results Screen */
.calc-results-box {
  margin-top: 22px;
  background: linear-gradient(135deg, rgba(0, 113, 227, 0.14) 0%, rgba(0, 240, 255, 0.06) 100%);
  border: 1px solid rgba(0, 240, 255, 0.28);
  border-radius: var(--radius-lg);
  padding: 20px;
  text-align: center;
}

.calc-res-label {
  font-size: 0.76rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-secondary);
  margin-bottom: 6px;
}

.calc-res-value {
  font-size: clamp(2.1rem, 3.8vw, 2.9rem);
  font-weight: 800;
  letter-spacing: -0.04em;
  color: #ffffff;
  line-height: 1.1;
  margin-bottom: 8px;
}

.calc-res-sub {
  font-size: 0.88rem;
  color: var(--text-secondary);
}

.calc-res-sub strong {
  color: var(--accent-green);
  font-weight: 700;
}

.calc-cta-btn {
  width: 100%;
  margin-top: 18px;
}

.calc-micro-disclaimer {
  font-size: 0.68rem;
  color: var(--text-muted);
  text-align: center;
  margin-top: 12px;
  line-height: 1.4;
}

/* ==========================================================================
   Dynamic 65+ Lender Marquee (Continuous Smooth Dual-Row Scroll)
   ========================================================================== */
.lender-marquee-section {
  padding: 44px 0;
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
  background: rgba(0, 0, 0, 0.25);
  overflow: hidden;
  position: relative;
}

.lender-marquee-section::before,
.lender-marquee-section::after {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}

.lender-marquee-section::before {
  left: 0;
  background: linear-gradient(90deg, var(--bg-base) 0%, transparent 100%);
}

.lender-marquee-section::after {
  right: 0;
  background: linear-gradient(-90deg, var(--bg-base) 0%, transparent 100%);
}

.marquee-heading {
  text-align: center;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-cyan);
  margin-bottom: 22px;
}

.marquee-track-container {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.marquee-row {
  display: flex;
  overflow: hidden;
  user-select: none;
  gap: 16px;
}

.marquee-track {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
  animation: scrollMarquee 35s linear infinite;
}

.marquee-track-reverse {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
  animation: scrollMarqueeReverse 38s linear infinite;
}

.marquee-row:hover .marquee-track,
.marquee-row:hover .marquee-track-reverse {
  animation-play-state: paused;
}

@keyframes scrollMarquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

@keyframes scrollMarqueeReverse {
  0% { transform: translateX(-50%); }
  100% { transform: translateX(0); }
}

.marquee-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-full);
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--text-secondary);
  white-space: nowrap;
  transition: all var(--transition-fast);
}

.marquee-pill:hover {
  background: rgba(255, 255, 255, 0.1);
  color: var(--text-primary);
  border-color: var(--border-medium);
}

/* ==========================================================================
   4-Step "Our Process" Grid
   ========================================================================== */
.section-padding {
  padding: 96px 0;
}

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 56px;
}

.section-tag {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent-cyan);
  margin-bottom: 14px;
}

.section-title {
  font-size: clamp(2rem, 3.4vw, 2.85rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 18px;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

.process-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.process-card {
  background: var(--bg-surface-glass);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  position: relative;
  transition: all var(--transition-normal);
  display: flex;
  flex-direction: column;
}

.process-card:hover {
  background: var(--bg-surface-glass-hover);
  border-color: var(--border-medium);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md), 0 0 30px rgba(0, 113, 227, 0.14);
}

.step-num-badge {
  position: absolute;
  top: 22px;
  right: 22px;
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--text-muted);
}

.process-icon-box {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: rgba(0, 113, 227, 0.1);
  border: 1px solid rgba(0, 113, 227, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--accent-cyan);
  transition: transform var(--transition-fast);
}

.process-card:hover .process-icon-box {
  transform: scale(1.08);
  background: rgba(0, 113, 227, 0.2);
  border-color: var(--accent-cyan);
}

.process-icon-box svg {
  width: 26px;
  height: 26px;
  stroke: currentColor;
  stroke-width: 1.8;
  fill: none;
}

.process-card h4 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}

.process-card p {
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.55;
}

.process-feature-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: auto;
  padding-top: 18px;
  border-top: 1px solid var(--border-subtle);
}

.feature-tag {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--text-secondary);
  padding: 4px 8px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.04);
}

/* ==========================================================================
   6-Card Interactive Horizontal Review Carousel
   ========================================================================== */
.carousel-wrapper {
  position: relative;
}

.carousel-controls {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
  margin-bottom: 20px;
}

.carousel-btn {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--border-medium);
  color: var(--text-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.carousel-btn:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: var(--accent-cyan);
}

.reviews-carousel {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: min(390px, 86vw);
  gap: 24px;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  padding-bottom: 24px;
  scroll-behavior: smooth;
  scrollbar-width: thin;
  scrollbar-color: rgba(255, 255, 255, 0.2) transparent;
}

.reviews-carousel::-webkit-scrollbar {
  height: 6px;
}

.reviews-carousel::-webkit-scrollbar-thumb {
  background: rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-full);
}

.testimonial-card {
  scroll-snap-align: start;
  background: var(--bg-surface-glass);
  backdrop-filter: blur(20px);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: all var(--transition-normal);
}

.testimonial-card:hover {
  border-color: var(--border-medium);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.scenario-badge {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: rgba(0, 113, 227, 0.15);
  border: 1px solid rgba(0, 240, 255, 0.25);
  color: var(--accent-cyan);
  margin-bottom: 14px;
}

.star-rating {
  display: flex;
  gap: 4px;
  color: var(--accent-gold);
  margin-bottom: 14px;
}

.star-rating svg {
  width: 16px;
  height: 16px;
  fill: currentColor;
}

.testimonial-quote {
  font-size: 0.92rem;
  color: var(--text-primary);
  line-height: 1.6;
  margin-bottom: 22px;
}

.testimonial-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  padding-top: 16px;
  border-top: 1px solid var(--border-subtle);
}

.avatar-initials {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.12) 0%, rgba(255, 255, 255, 0.04) 100%);
  border: 1px solid var(--border-medium);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--accent-cyan);
}

.client-info h5 {
  font-size: 0.9rem;
  font-weight: 700;
}

.client-info span {
  font-size: 0.76rem;
  color: var(--text-muted);
  display: block;
}

.verified-pill {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--accent-green);
  background: rgba(48, 209, 88, 0.1);
  padding: 2px 8px;
  border-radius: var(--radius-full);
  margin-top: 4px;
}

/* ==========================================================================
   Consultation Section (Frictionless, No-Document Flow)
   ========================================================================== */
.consult-section {
  position: relative;
  padding: 96px 0;
}

.consult-wrapper {
  background: var(--bg-surface);
  border: 1px solid var(--border-medium);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
}

.consult-sidebar {
  background: linear-gradient(160deg, #0d1424 0%, #070a12 100%);
  padding: clamp(32px, 4vw, 52px);
  border-right: 1px solid var(--border-subtle);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.sidebar-title {
  font-size: clamp(1.8rem, 2.5vw, 2.2rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 16px;
  line-height: 1.15;
}

.sidebar-desc {
  font-size: 0.96rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 28px;
}

.perks-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 32px;
}

.perk-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.perk-icon {
  width: 22px;
  height: 22px;
  color: var(--accent-cyan);
  flex-shrink: 0;
  margin-top: 2px;
}

.perk-text h6 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-primary);
}

.perk-text p {
  font-size: 0.82rem;
  color: var(--text-muted);
}

.regulatory-assurance-box {
  padding: 20px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--border-subtle);
}

.regulatory-assurance-box p {
  font-size: 0.76rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

.regulatory-assurance-box strong {
  color: var(--text-primary);
}

/* Consultation Form Area */
.consult-form-area {
  padding: clamp(32px, 4vw, 52px);
  background: var(--bg-surface-glass);
}

.form-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 8px;
}

.form-control {
  width: 100%;
  background: var(--bg-input);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 0.95rem;
  color: var(--text-primary);
  transition: all var(--transition-fast);
}

.form-control:focus {
  border-color: var(--accent-blue);
  background: rgba(15, 23, 42, 0.95);
  box-shadow: 0 0 0 3px rgba(0, 113, 227, 0.2);
}

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
}

/* Reassuring No-Document Callout Box */
.no-docs-callout {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  background: rgba(0, 240, 255, 0.05);
  border: 1px solid rgba(0, 240, 255, 0.22);
  margin-bottom: 20px;
  font-size: 0.82rem;
  color: var(--accent-cyan);
  line-height: 1.5;
}

.no-docs-callout strong {
  color: #ffffff;
}

/* Consent Box */
.form-consent-box {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin: 20px 0;
}

.form-consent-box input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--accent-blue);
  margin-top: 2px;
  flex-shrink: 0;
  cursor: pointer;
}

.consent-text {
  font-size: 0.76rem;
  color: var(--text-muted);
  line-height: 1.5;
}

.consent-text a {
  color: var(--accent-cyan);
  text-decoration: underline;
}

/* Direct Broker Call Comfort Link */
.direct-call-comfort {
  text-align: center;
  margin-top: 16px;
  font-size: 0.84rem;
  color: var(--text-secondary);
}

.direct-call-comfort a {
  color: var(--accent-cyan);
  font-weight: 700;
  text-decoration: underline;
}

/* Form Confirmation & Status Banners */
.form-status-message {
  margin-top: 20px;
  padding: 18px;
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-weight: 500;
  display: none; /* Hidden by default */
  line-height: 1.6;
}

.form-status-message.success {
  display: block;
  background: rgba(48, 209, 88, 0.15);
  border: 1px solid rgba(48, 209, 88, 0.35);
  color: #86efac;
}

.form-status-message.error {
  display: block;
  background: rgba(239, 68, 68, 0.15);
  border: 1px solid rgba(239, 68, 68, 0.35);
  color: #fca5a5;
}

/* Button Spinner */
.spinner {
  display: inline-block;
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-radius: 50%;
  border-top-color: #ffffff;
  animation: spin 0.8s linear infinite;
  margin-right: 8px;
  vertical-align: middle;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ==========================================================================
   Australian Compliance Engine Footer
   ========================================================================== */
.site-footer {
  background: #040508;
  border-top: 1px solid var(--border-subtle);
  padding: 80px 0 100px;
  position: relative;
  z-index: 2;
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.3fr;
  gap: 48px;
  margin-bottom: 56px;
}

.footer-brand-summary p {
  color: var(--text-secondary);
  font-size: 0.88rem;
  margin: 16px 0 20px;
  line-height: 1.6;
}

.footer-col h5 {
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  margin-bottom: 18px;
  color: var(--text-primary);
}

.footer-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-nav-list a {
  font-size: 0.86rem;
  color: var(--text-secondary);
}

.footer-nav-list a:hover {
  color: var(--accent-cyan);
}

.compliance-box {
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 24px;
  margin-bottom: 36px;
}

.compliance-box h6 {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-cyan);
  margin-bottom: 10px;
}

.compliance-box p {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 12px;
}

.compliance-box p:last-child {
  margin-bottom: 0;
}

.footer-bottom-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 28px;
  border-top: 1px solid var(--border-subtle);
  font-size: 0.76rem;
  color: var(--text-muted);
}

.footer-legal-links {
  display: flex;
  gap: 20px;
}

.footer-legal-links a {
  color: var(--text-muted);
}

.footer-legal-links a:hover {
  color: var(--text-primary);
}

/* ==========================================================================
   Mobile Sticky Bottom "Contact an Expert" Bar
   ========================================================================== */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 99;
  background: rgba(6, 8, 13, 0.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-top: 1px solid var(--border-medium);
  padding: 12px 16px;
  box-shadow: 0 -8px 24px rgba(0, 0, 0, 0.5);
}

.mobile-bar-inner {
  display: flex;
  gap: 10px;
  align-items: center;
}

.mobile-bar-inner .btn {
  flex: 1;
  padding: 10px 14px;
  font-size: 0.84rem;
}

/* ==========================================================================
   Compliance Modal Overlays
   ========================================================================== */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, 0.78);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  z-index: 1000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.modal-overlay.active {
  display: flex;
}

.modal-content-card {
  background: var(--bg-surface-elevated);
  border: 1px solid var(--border-medium);
  border-radius: var(--radius-lg);
  max-width: 680px;
  width: 100%;
  max-height: 85vh;
  overflow-y: auto;
  padding: 36px;
  position: relative;
  box-shadow: var(--shadow-lg);
}

.modal-close-btn {
  position: absolute;
  top: 20px;
  right: 20px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid var(--border-subtle);
  color: var(--text-primary);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

.modal-body h3 {
  font-size: 1.5rem;
  font-weight: 800;
  margin-bottom: 16px;
}

.modal-body h4 {
  font-size: 1.05rem;
  font-weight: 700;
  margin: 20px 0 8px;
  color: var(--accent-cyan);
}

.modal-body p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 12px;
}

/* ==========================================================================
   Responsive Breakpoints: 1024px, 768px, 480px
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .hero-description {
    max-width: 100%;
  }
  .process-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
  .consult-wrapper {
    grid-template-columns: 1fr;
  }
  .consult-sidebar {
    border-right: none;
    border-bottom: 1px solid var(--border-subtle);
  }
  .footer-top-grid {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }
}

@media (max-width: 768px) {
  .nav-links, .phone-pill {
    display: none;
  }
  .hero-title {
    font-size: 2.3rem;
  }
  .hero-highlights {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .trust-bar {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .process-grid-4 {
    grid-template-columns: 1fr;
  }
  .form-grid-2 {
    grid-template-columns: 1fr;
  }
  .mobile-sticky-bar {
    display: block;
  }
  .footer-top-grid {
    grid-template-columns: 1fr;
  }
  .footer-bottom-row {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .site-header {
    height: 68px;
  }
  .brand-logo {
    font-size: 1.15rem;
  }
  .calc-card {
    padding: 20px 16px;
  }
  .calc-grid-2 {
    grid-template-columns: 1fr;
  }
  .calc-res-value {
    font-size: 2rem;
  }
  .reviews-carousel {
    grid-auto-columns: 92vw;
  }
}