* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background: #f7f7f5;
  color: #111111;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1180px, calc(100% - 48px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 247, 245, 0.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 86px;
  gap: 24px;
}

.logo-image {
  height: 60px;
  width: auto;
  display: block;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.main-nav a {
  font-size: 14px;
  color: rgba(17, 17, 17, 0.72);
}

.hero-section {
  position: relative;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at top left, rgba(0,0,0,0.05), transparent 35%),
    radial-gradient(circle at bottom right, rgba(0,0,0,0.04), transparent 32%);
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 1;
  min-height: calc(100vh - 86px);
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 72px;
  padding-top: 60px;
  padding-bottom: 80px;
}

.eyebrow,
.section-label,
.feature-label,
.result-label {
  text-transform: uppercase;
  letter-spacing: 0.22em;
  font-size: 12px;
  color: rgba(17, 17, 17, 0.45);
}

.eyebrow {
  display: inline-block;
  padding: 10px 16px;
  border-radius: 999px;
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.08);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.03);
}

.hero-copy h1 {
  margin: 20px 0 0;
  font-size: clamp(46px, 6vw, 72px);
  line-height: 1.05;
  letter-spacing: -0.04em;
}

.hero-copy p,
.section-copy,
.contact-box p,
.about-grid p {
  color: rgba(17, 17, 17, 0.64);
}

.hero-copy p {
  max-width: 620px;
  margin: 26px 0 0;
  font-size: 18px;
}

.hero-area {
  margin-top: 16px !important;
  font-size: 14px !important;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 28px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  border: none;
}

.btn-primary {
  background: #111111;
  color: #ffffff;
  box-shadow: 0 12px 26px rgba(0, 0, 0, 0.12);
}

.btn-secondary {
  background: #ffffff;
  color: rgba(17, 17, 17, 0.78);
  border: 1px solid rgba(0, 0, 0, 0.10);
}

.hero-card-wrap {
  display: flex;
  justify-content: flex-end;
}

.hero-card,
.calculator-card,
.enquiry-form {
  width: 100%;
  border-radius: 30px;
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid rgba(0, 0, 0, 0.07);
  box-shadow: 0 22px 60px rgba(0, 0, 0, 0.06);
}

.hero-card {
  max-width: 500px;
  padding: 34px;
}

.feature-logo-image {
  height: 130px;
  width: auto;
  display: block;
  margin: 0 auto 28px;
}

.feature-box,
.result-box {
  padding: 24px;
  border-radius: 24px;
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.07);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.03);
}

.feature-box-large h3,
.service-card h3,
.contact-box h2,
.about-grid h2,
.section-heading h2 {
  margin: 10px 0 0;
}

.feature-box-large h3 {
  font-size: 24px;
  line-height: 1.35;
}

.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 16px;
}

.about-section,
.lenders-section,
.contact-section,
.site-footer,
.calculator-section {
  border-top: 1px solid rgba(0, 0, 0, 0.05);
}

.about-section {
  background: rgba(255, 255, 255, 0.68);
}

.about-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 50px;
  padding-top: 96px;
  padding-bottom: 96px;
}

.about-grid h2,
.section-heading h2,
.contact-box h2 {
  font-size: clamp(32px, 4vw, 48px);
  line-height: 1.15;
  letter-spacing: -0.03em;
}

.about-grid p {
  font-size: 17px;
  line-height: 1.9;
}

.services-section,
.lenders-section,
.calculator-section,
.contact-section {
  padding: 96px 0;
}

.section-heading {
  margin-bottom: 34px;
}

.services-grid,
.lender-grid,
.repayment-results {
  display: grid;
  gap: 22px;
}

.services-grid {
  grid-template-columns: repeat(3, 1fr);
}

.service-card,
.lender-tile {
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.07);
  box-shadow: 0 14px 35px rgba(0, 0, 0, 0.04);
}

.service-card {
  padding: 30px;
  border-radius: 28px;
}

.service-icon {
  width: 42px;
  height: 42px;
  border-radius: 999px;
  margin-bottom: 20px;
  background: #f1f1ed;
  border: 1px solid rgba(0, 0, 0, 0.07);
}

.lender-grid {
  grid-template-columns: repeat(4, 1fr);
}

.lender-tile {
  padding: 22px 18px;
  border-radius: 22px;
  text-align: center;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.calculator-card {
  padding: 32px;
}

.calculator-grid,
.form-grid {
  display: grid;
  gap: 18px;
}

.calculator-grid {
  grid-template-columns: repeat(3, 1fr);
}

.calculator-actions {
  margin-top: 10px;
}

.repayment-results {
  grid-template-columns: repeat(3, 1fr);
  margin-top: 24px;
}

.result-box {
  text-align: center;
}

.result-value {
  margin-top: 10px;
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 700;
  letter-spacing: -0.03em;
}

.result-note {
  margin: 18px 0 0;
  font-size: 13px;
  color: rgba(17, 17, 17, 0.55);
  text-align: center;
}

.contact-box {
  max-width: 860px;
  text-align: center;
}

.contact-box p {
  max-width: 680px;
  margin: 18px auto 0;
  font-size: 17px;
  line-height: 1.9;
}

.enquiry-form {
  margin-top: 34px;
  padding: 32px;
  text-align: left;
}

.form-grid {
  grid-template-columns: repeat(3, 1fr);
}

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

.form-group label {
  display: block;
  margin-bottom: 8px;
  font-size: 14px;
  font-weight: 600;
  color: rgba(17, 17, 17, 0.82);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border-radius: 16px;
  border: 1px solid rgba(0, 0, 0, 0.10);
  background: #ffffff;
  font: inherit;
  color: #111111;
  outline: none;
}

.form-group textarea {
  resize: vertical;
  min-height: 140px;
}

.hidden-field {
  display: none;
}

.site-footer {
  background: #f4f4f1;
  padding: 36px 0 28px;
}

.compliance-wrap {
  text-align: center;
}

.compliance-block {
  margin-bottom: 14px;
}

.compliance-line {
  margin: 4px 0;
  font-size: 13px;
  color: rgba(17, 17, 17, 0.74);
}

.abn-text {
  margin: 0;
  font-size: 11px;
  letter-spacing: 0.08em;
  color: rgba(17, 17, 17, 0.38);
}

@media (max-width: 980px) {
  .hero-grid,
  .about-grid,
  .services-grid,
  .calculator-grid,
  .form-grid,
  .lender-grid,
  .repayment-results {
    grid-template-columns: 1fr;
  }

  .hero-card-wrap {
    justify-content: center;
  }

  .about-grid {
    gap: 22px;
  }
}

@media (max-width: 760px) {
  .container {
    width: min(100% - 32px, 1180px);
  }

  .header-inner {
    min-height: 78px;
  }

  .logo-image {
    height: 48px;
  }

  .main-nav {
    display: none;
  }

  .hero-grid {
    min-height: auto;
    gap: 36px;
    padding-top: 42px;
    padding-bottom: 56px;
  }

  .hero-copy p,
  .about-grid p,
  .contact-box p {
    font-size: 16px;
  }

  .hero-card,
  .calculator-card,
  .enquiry-form {
    padding: 22px;
    border-radius: 22px;
  }

  .feature-grid {
    grid-template-columns: 1fr;
  }

  .services-section,
  .lenders-section,
  .calculator-section,
  .contact-section,
  .about-grid {
    padding-top: 70px;
    padding-bottom: 70px;
  }
}