:root{--ink:#201515;--body:#36342e;--muted:#939084;--sand:#c5c0b1;--light:#eceae3;--cream:#fffefb;--orange:#ff4f00;--dark:#151a20}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;background:#fffefb;color:var(--body);font-size:16px;line-height:1.5}
img{max-width:100%;display:block}
a{color:var(--ink)}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fffefb;padding:10px 16px;z-index:99}
.skip:focus{left:12px;top:12px}
/* Topbar */
.topbar{background:#151a20;color:#f7f5f1;font-size:13px;font-weight:500}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#f7f5f1;text-decoration:underline}
.topbar a:hover{text-decoration:none;color:#fffefb}
.topbar .dim{color:#c5c0b1}
/* Header */
.site-head{position:sticky;top:0;z-index:50;background:#fffefb;border-bottom:1px solid var(--sand)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:600;font-size:18px;color:var(--ink)}
.logo:hover{text-decoration:none}
.logo .mark{width:34px;height:34px;border-radius:6px;background:var(--orange);color:#fffefb;display:inline-flex;align-items:center;justify-content:center;font-weight:700;font-size:16px}
.logo small{display:block;font-size:11px;font-weight:500;color:var(--muted);letter-spacing:.5px}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none}
.nav-links a{display:block;padding:10px 14px;font-weight:500;font-size:16px;color:var(--ink);text-decoration:none;border-radius:8px}
.nav-links a:hover{text-decoration:none;box-shadow:rgb(197,192,177) 0px -4px 0px 0px inset}
.nav-links a[aria-current="page"]{box-shadow:rgb(255,79,0) 0px -4px 0px 0px inset}
#navtoggle{display:none}
.hamburger{display:none}
/* Buttons */
.btn{display:inline-block;font-weight:600;font-size:16px;line-height:1.2;padding:8px 16px;border-radius:4px;border:1px solid transparent;text-decoration:none;cursor:pointer;font-family:inherit}
.btn:hover{text-decoration:none}
.btn-orange{background:var(--orange);color:#fffefb;border-color:var(--orange)}
.btn-orange:hover{background:#e24600;border-color:#e24600;color:#fffefb}
.btn-dark{background:var(--ink);color:#fffefb;border-color:var(--ink);border-radius:8px;padding:20px 24px}
.btn-dark:hover{background:var(--sand);color:var(--ink);border-color:var(--sand)}
.btn-light{background:var(--light);color:var(--body);border:1px solid var(--sand);border-radius:8px;padding:20px 24px}
.btn-light:hover{background:var(--sand);color:var(--ink)}
.btn-lg{padding:20px 24px;border-radius:8px;font-size:17px}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:1px solid var(--orange);outline-offset:2px}
/* Type */
.kicker{font-size:14px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.kicker b{color:var(--orange)}
.display{font-size:clamp(40px,6vw,64px);font-weight:500;line-height:1.0;letter-spacing:0;color:var(--ink);margin-bottom:20px}
h2.title{font-size:clamp(30px,4vw,48px);font-weight:500;line-height:1.04;color:var(--ink);margin-bottom:16px}
h3.card-title{font-size:24px;font-weight:600;letter-spacing:-.48px;color:var(--ink);margin-bottom:8px}
.serif{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-1.6px;line-height:1.08;color:var(--ink)}
.lead{font-size:20px;line-height:1.2;color:var(--body);letter-spacing:-.2px}
p a,.content a{text-decoration:underline}
p a:hover,.content a:hover{text-decoration:none}
/* Sections */
section{padding:72px 0}
section + section, .band{border-top:1px solid var(--sand)}
/* Hero */
.hero{padding:80px 0 64px;text-align:center}
.hero .lead{max-width:640px;margin:0 auto 32px}
.hero-actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.hero-note{margin-top:16px;font-size:14px;color:var(--muted)}
.frame{border:1px solid var(--sand);border-radius:12px;overflow:hidden;margin-top:48px}
/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;border-top:1px solid var(--sand);border-bottom:1px solid var(--sand);padding:48px 0;margin:72px 0 0}
.stats .num{font-size:48px;font-weight:500;color:var(--ink);line-height:1}
.stats .desc{font-size:15px;color:var(--body);margin-top:8px}
/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.card{background:#fffefb;border:1px solid var(--sand);border-radius:8px;overflow:hidden;transition:border-color .15s}
.card:hover{border-color:var(--muted)}
.card .pad{padding:24px}
.card p{font-size:16px;color:var(--body)}
.card .more{display:inline-block;margin-top:14px;font-weight:600;color:var(--ink);text-decoration:underline}
.card .more:hover{text-decoration:none}
/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split .frame{margin-top:0}
.check{list-style:none;margin:24px 0 32px}
.check li{position:relative;padding-left:26px;margin-bottom:12px;color:var(--body)}
.check li::before{content:"";position:absolute;left:0;top:7px;width:10px;height:10px;background:var(--orange);border-radius:2px}
/* Pills */
.pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.pill{background:#fffefb;border:1px solid var(--sand);border-radius:20px;padding:9px 16px;font-size:14px;font-weight:500;color:var(--body)}
/* Testimonial */
.quote-card{background:var(--light);border:1px solid var(--sand);border-radius:8px;padding:40px;max-width:820px;margin:32px auto 0}
.quote-card blockquote{font-family:Georgia,'Times New Roman',serif;font-size:24px;line-height:1.35;letter-spacing:-.4px;color:var(--ink)}
.quote-card cite{display:block;margin-top:16px;font-style:normal;font-size:14px;font-weight:600;color:var(--muted)}
.quote-note{margin-top:12px;font-size:13px;color:var(--muted)}
/* CTA band */
.cta-band{background:var(--ink);color:#fffefb;border-radius:8px;padding:56px 32px;text-align:center}
.cta-band h2{font-size:clamp(28px,3.5vw,40px);font-weight:500;line-height:1.05;color:#fffefb;margin-bottom:12px}
.cta-band p{color:#c5c0b1;margin-bottom:28px}
/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;margin-top:40px}
.field{margin-bottom:16px}
.field label{display:block;font-size:14px;font-weight:600;color:var(--ink);margin-bottom:6px}
.field input,.field textarea{width:100%;background:#fffefb;border:1px solid var(--sand);border-radius:5px;padding:12px 14px;font:inherit;color:var(--ink)}
.field input::placeholder,.field textarea::placeholder{color:var(--muted)}
.field input:focus,.field textarea:focus{border-color:var(--orange);outline:none}
.contact-meta{list-style:none;margin:24px 0}
.contact-meta li{margin-bottom:14px}
.contact-meta .lbl{font-size:12px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;color:var(--muted);display:block}
.contact-meta a{font-weight:600}
.form-note{font-size:13px;color:var(--muted);margin-top:12px}
/* Footer */
.site{background:#151a20;color:#f7f5f1;padding:64px 0 0;margin-top:72px}
.site a{color:#c5c0b1;text-decoration:none}
.site a:hover{color:#fffefb;text-decoration:underline}
.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:40px;padding-bottom:48px}
.site h4{font-size:14px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;color:#f7f5f1;margin-bottom:16px}
.site ul{list-style:none}
.site li{margin-bottom:10px;font-size:15px}
.site .brand p{color:#c5c0b1;font-size:15px;margin-top:12px;max-width:320px}
.site .logo{color:#f7f5f1}
.site .logo small{color:#939084}
.site .bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;font-size:13px;color:#c5c0b1;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
/* Responsive */
@media (max-width:980px){.grid-3{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:repeat(2,1fr)}.site .cols{grid-template-columns:1fr 1fr}}
@media (max-width:880px){.nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:#fffefb;border-bottom:1px solid var(--sand);flex-direction:column;align-items:stretch;padding:8px 24px 16px;gap:0}
#navtoggle:checked ~ .nav-links{display:flex}
.hamburger{display:inline-flex;align-items:center}.split,.contact-grid{grid-template-columns:1fr}}
@media (max-width:640px){.grid-3,.stats{grid-template-columns:1fr}section{padding:48px 0}.hero{padding:48px 0 40px}}

/* Container & layout */
.container,.wrap-wide{max-width:1200px;margin:0 auto;padding:0 24px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.content-grid{display:grid;grid-template-columns:2fr 1fr;gap:48px;align-items:start}
.section{padding:72px 0}
.section + .section{border-top:1px solid var(--sand)}
.alt,.alt-bg{background:var(--light)}
/* Header/nav */
.site-header{position:sticky;top:0;z-index:50;background:var(--cream);border-bottom:1px solid var(--sand)}
.header-inner,.nav-inner,.topbar-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.header-inner,.nav-inner{min-height:72px}
.topbar-inner{padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.main-nav .nav-list{display:flex;align-items:center;gap:2px;list-style:none}
.nav-list a{display:block;padding:10px 14px;font-weight:500;font-size:16px;color:var(--ink);text-decoration:none;border-radius:8px}
.nav-list a:hover{text-decoration:none;box-shadow:rgb(197,192,177) 0px -4px 0px 0px inset}
.nav-list a[aria-current="page"]{box-shadow:rgb(255,79,0) 0px -4px 0px 0px inset}
/* Buttons */
.btn-nav{background:var(--orange);color:var(--cream);border:1px solid var(--orange);padding:8px 16px;border-radius:4px;font-weight:600;font-size:16px;text-decoration:none;display:inline-block}
.btn-nav:hover{background:#e24600;border-color:#e24600;color:var(--cream);text-decoration:none}
.btn-secondary{background:var(--light);color:var(--body);border:1px solid var(--sand);border-radius:8px;padding:20px 24px;font-weight:600;font-size:16px;text-decoration:none;display:inline-block}
.btn-secondary:hover{background:var(--sand);color:var(--ink);text-decoration:none}
.btn-outline{background:transparent;color:var(--ink);border:1px solid var(--ink);border-radius:8px;padding:20px 24px;font-weight:600;font-size:16px;text-decoration:none;display:inline-block}
.btn-outline:hover{background:var(--ink);color:var(--cream);text-decoration:none}
/* Page hero */
.page-hero{padding:80px 0 64px;text-align:center;background:var(--light);border-bottom:1px solid var(--sand)}
.page-hero .lead{max-width:640px;margin:0 auto 32px}
/* Services */
.services{padding:72px 0}
.service-cards,.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.service-card{background:var(--cream);border:1px solid var(--sand);border-radius:8px;overflow:hidden;transition:border-color .15s}
.service-card:hover{border-color:var(--muted)}
.service-card .pad,.service-card{padding:24px}
.service-card h3{font-size:24px;font-weight:600;letter-spacing:-.48px;color:var(--ink);margin-bottom:8px}
.service-card p{font-size:16px;color:var(--body);margin-bottom:12px}
.service-card .more{display:inline-block;margin-top:6px;font-weight:600;color:var(--ink);text-decoration:underline}
.service-card .more:hover{text-decoration:none}
/* Process / steps */
.process,.quote-process{padding:72px 0;background:var(--light)}
.process-steps,.steps-list{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:40px;list-style:none}
.steps-list{grid-template-columns:repeat(3,1fr)}
.process-steps li,.steps-list li{background:var(--cream);border:1px solid var(--sand);border-radius:8px;padding:24px}
.process-steps .num,.steps-list .num{font-size:32px;font-weight:500;color:var(--orange);line-height:1;margin-bottom:12px}
.process-steps h3,.steps-list h3{font-size:20px;font-weight:600;color:var(--ink);margin-bottom:8px}
.process-steps p,.steps-list p{font-size:15px;color:var(--body)}
/* Reasons */
.reasons{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:40px}
.reason{border:1px solid var(--sand);border-radius:8px;padding:24px;background:var(--cream)}
.reason h3{font-size:20px;font-weight:600;color:var(--ink);margin-bottom:8px}
.reason p{font-size:16px;color:var(--body)}
/* Forms */
.quote-form-section,.contact-form-section{padding:72px 0}
.quote-form,.contact-form{max-width:720px;margin:40px auto 0;background:var(--cream);border:1px solid var(--sand);border-radius:12px;padding:32px}
.quote-form label,.contact-form label{display:block;font-weight:600;font-size:14px;color:var(--ink);margin-bottom:6px}
.quote-form input,.quote-form select,.quote-form textarea,.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px 14px;border:1px solid var(--sand);border-radius:8px;font-family:inherit;font-size:16px;color:var(--ink);background:#fff;margin-bottom:16px}
.quote-form textarea,.contact-form textarea{min-height:120px;resize:vertical}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.quote-form .btn,.contact-form .btn{width:100%}
.quote-checklist{list-style:none;margin:16px 0 24px;padding:0}
.quote-checklist li{padding:8px 0 8px 28px;position:relative;font-size:15px;color:var(--body)}
.quote-checklist li::before{content:"✓";position:absolute;left:0;top:8px;color:var(--orange);font-weight:700}
.quote-alt{background:var(--light);border-top:1px solid var(--sand)}
/* Content / legal / policy */
.content-section{padding:72px 0}
.legal-content,.policy-content{font-size:17px;line-height:1.7;max-width:760px}
.legal-content h2,.policy-content h2{font-size:clamp(24px,3vw,32px);font-weight:500;color:var(--ink);margin:40px 0 12px}
.legal-content h3,.policy-content h3{font-size:20px;font-weight:600;color:var(--ink);margin:28px 0 8px}
.legal-content p,.policy-content p,.legal-content ul,.policy-content ul{margin-bottom:16px}
.legal-content ul,.policy-content ul{padding-left:24px}
.legal-content li,.policy-content li{margin-bottom:8px}
.policy-intro{font-size:20px;line-height:1.4;color:var(--body);max-width:640px;margin-bottom:32px}
.policy-aside,.aside-card{background:var(--light);border:1px solid var(--sand);border-radius:8px;padding:24px;position:sticky;top:96px}
.aside-card h3{font-size:18px;font-weight:600;color:var(--ink);margin-bottom:12px}
.aside-links{list-style:none;margin:0;padding:0}
.aside-links li{margin-bottom:8px}
.aside-links a{font-size:15px;color:var(--body);text-decoration:underline}
.aside-links a:hover{color:var(--orange);text-decoration:none}
/* Contact list */
.contact-list{list-style:none;margin:24px 0;padding:0}
.contact-list li{display:flex;gap:12px;align-items:baseline;padding:12px 0;border-bottom:1px solid var(--sand);font-size:16px}
.contact-list li:last-child{border-bottom:none}
.contact-list .label{font-weight:600;color:var(--ink);min-width:120px}
.contact-list a{text-decoration:underline}
.contact-list a:hover{text-decoration:none;color:var(--orange)}
/* CTA */
.cta{background:var(--dark);color:#f7f5f1;padding:72px 0;text-align:center}
.cta .display,.cta h2{color:var(--cream)}
.cta p{color:var(--sand);max-width:560px;margin:0 auto 32px}
.cta-line{display:block;width:64px;height:4px;background:var(--orange);margin:0 auto 24px;border-radius:2px}
.cta .btn-light{background:var(--orange);color:var(--cream);border-color:var(--orange)}
.cta .btn-light:hover{background:#e24600;border-color:#e24600;color:var(--cream)}
/* Footer */
.site-footer,.footer{background:var(--dark);color:#c5c0b1;padding:56px 0 0;font-size:15px}
.footer-inner{max-width:1200px;margin:0 auto;padding:0 24px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px}
.footer-brand{color:#f7f5f1;font-weight:600;font-size:18px;margin-bottom:12px}
.footer-brand small{display:block;font-size:12px;font-weight:400;color:var(--muted);margin-top:4px;letter-spacing:.5px}
.footer p{color:#c5c0b1;line-height:1.6}
.footer-col h3{font-size:14px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;color:#f7f5f1;margin-bottom:16px}
.footer-links,.footer-nav{list-style:none;margin:0;padding:0}
.footer-links li,.footer-nav li{margin-bottom:10px}
.footer-links a,.footer-nav a{color:#c5c0b1;text-decoration:none}
.footer-links a:hover,.footer-nav a:hover{color:var(--cream);text-decoration:underline}
.footer-bottom{border-top:1px solid #2c333c;padding:20px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;font-size:13px}
.copyright{color:#939084}
.footer-abn{color:#939084;font-size:12px}
.policy-footer-note{border-top:1px solid var(--sand);padding-top:24px;margin-top:48px;font-size:14px;color:var(--muted)}
/* ABN card */
.abn-card{background:var(--light);border:1px solid var(--sand);border-radius:8px;padding:24px;font-size:14px;color:var(--body);margin-top:32px}
.abn-card b{color:var(--ink)}
/* Responsive */
@media(max-width:960px){
.two-col,.content-grid{grid-template-columns:1fr}
.service-cards,.card-grid{grid-template-columns:repeat(2,1fr)}
.process-steps{grid-template-columns:repeat(2,1fr)}
.steps-list{grid-template-columns:repeat(2,1fr)}
.footer-grid{grid-template-columns:1fr 1fr}
.policy-aside{position:static}
}
@media(max-width:640px){
.service-cards,.card-grid,.process-steps,.steps-list,.reasons,.form-row{grid-template-columns:1fr}
.footer-grid{grid-template-columns:1fr}
.quote-form,.contact-form{padding:24px}
.section,.content-section{padding:56px 0}
}