:root{--navy:#0a1730;--navy2:#13284f;--blue:#2155ff;--blue2:#6f8cff;--lime:#c9f45a;--ice:#f3f6fb;--ink:#13203b;--muted:#647089;--line:#dfe5ef;--white:#fff;--shadow:0 22px 60px rgba(15,34,69,.12);--radius:22px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.5}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(18px);border-bottom:1px solid rgba(223,229,239,.85)}.header-inner{height:78px;max-width:1220px;margin:auto;padding:0 28px;display:flex;align-items:center;justify-content:space-between;gap:26px}.logo{display:flex;align-items:center;gap:10px;font-size:18px;font-weight:800;letter-spacing:.01em}.logo-mark{width:38px;height:38px;border-radius:12px;display:grid;place-items:center;background:var(--navy);color:var(--lime);font-weight:900;box-shadow:inset -8px -8px 0 rgba(255,255,255,.04)}.logo-word b{font-weight:900}.desktop-nav{display:flex;align-items:center;gap:26px;font-size:14px;font-weight:700;color:#39465f}.desktop-nav a:hover,.text-link:hover{color:var(--blue)}.header-actions{display:flex;align-items:center;gap:16px}.text-link{font-size:13px;font-weight:800;color:#45516a}.btn{border:0;border-radius:14px;background:var(--blue);color:#fff;font-weight:800;padding:15px 22px;display:inline-flex;align-items:center;justify-content:center;gap:8px;box-shadow:0 10px 26px rgba(33,85,255,.21);transition:.2s transform,.2s box-shadow,.2s background}.btn:hover{transform:translateY(-1px);box-shadow:0 14px 32px rgba(33,85,255,.27)}.btn-small{padding:11px 17px;border-radius:12px}.btn-secondary{background:#fff;color:var(--navy);border:1px solid var(--line);box-shadow:none}.btn-dark{background:var(--navy)}.btn-lime{background:var(--lime);color:var(--navy);box-shadow:none}.btn-full{width:100%}.menu-btn{display:none;background:none;border:0;font-size:24px}.mobile-nav{padding:10px 24px 22px;display:grid;gap:4px;border-top:1px solid var(--line)}.mobile-nav a{padding:11px 0;font-weight:700}.shell{max-width:1220px;margin:auto;padding:0 28px}.hero{position:relative;overflow:hidden;background:linear-gradient(130deg,#f7faff 0%,#eef3ff 55%,#f6ffe0 100%)}.hero:before{content:"";position:absolute;width:480px;height:480px;border-radius:50%;right:-150px;top:-180px;background:radial-gradient(circle,rgba(201,244,90,.55),rgba(201,244,90,0) 68%)}.hero-grid{max-width:1220px;margin:auto;padding:76px 28px 70px;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;position:relative}.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:16px}.eyebrow:before{content:"";width:26px;height:3px;border-radius:3px;background:var(--lime)}h1,h2,h3,h4,p{margin-top:0}h1{font-size:clamp(48px,6vw,78px);line-height:.98;letter-spacing:-.055em;margin-bottom:24px;max-width:780px}h2{font-size:clamp(34px,4vw,52px);line-height:1.05;letter-spacing:-.04em;margin-bottom:16px}h3{font-size:20px;letter-spacing:-.02em}.hero-lead{font-size:20px;color:#536078;max-width:650px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 20px}.micro{font-size:12px;color:#758097}.hero-facts{display:flex;flex-wrap:wrap;gap:18px 26px;margin:28px 0;font-size:13px;font-weight:800;color:#34425d}.hero-facts span{display:flex;gap:8px;align-items:center}.tick{width:20px;height:20px;border-radius:50%;background:#e5f8ad;color:#3f6500;display:grid;place-items:center;font-size:11px}.quote-card{background:#fff;border-radius:28px;padding:28px;box-shadow:var(--shadow);border:1px solid #e9edf5}.quote-top{display:flex;justify-content:space-between;gap:20px;align-items:start;margin-bottom:18px}.quote-top h3{font-size:24px;margin-bottom:6px}.pill{font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;padding:7px 10px;border-radius:999px;background:#eef8cd;color:#4b6900}.field-label{display:flex;justify-content:space-between;align-items:end;font-size:13px;font-weight:800;margin:18px 0 8px}.field-label strong{font-size:22px}.range{width:100%;accent-color:var(--blue)}.range-ends{display:flex;justify-content:space-between;color:#7b8495;font-size:11px}.select,input[type=text],input[type=tel],input[type=email],input[type=date],input[type=number]{width:100%;border:1px solid var(--line);background:#fff;border-radius:12px;padding:13px 14px;color:var(--ink);outline:0}.select:focus,input:focus{border-color:#89a3ff;box-shadow:0 0 0 4px rgba(33,85,255,.08)}.quote-summary{margin:22px 0 18px;background:var(--navy);color:#fff;border-radius:18px;padding:20px;display:grid;grid-template-columns:1fr auto;gap:8px 16px}.quote-summary .repayment{font-size:34px;font-weight:900;letter-spacing:-.04em}.quote-summary small{color:#bcc8df}.soft-note{display:flex;align-items:center;gap:9px;background:#f3f8e8;border-radius:12px;padding:12px 13px;font-size:12px;color:#50613a;font-weight:700;margin-top:12px}.trustbar{background:var(--navy);color:#fff}.trustbar .shell{min-height:86px;display:grid;grid-template-columns:repeat(4,1fr);align-items:center;gap:18px}.trust-item{display:flex;align-items:center;gap:12px;font-size:13px;font-weight:800}.trust-icon{width:34px;height:34px;border:1px solid rgba(255,255,255,.18);border-radius:11px;display:grid;place-items:center;color:var(--lime)}.section{padding:92px 0}.section.alt{background:var(--ice)}.section-heading{max-width:760px;margin-bottom:38px}.section-heading p{font-size:17px;color:var(--muted)}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.stat{padding:26px;border:1px solid var(--line);border-radius:20px;background:#fff}.stat strong{display:block;font-size:30px;letter-spacing:-.04em}.stat span{color:var(--muted);font-size:13px}.purpose-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.purpose-card{min-height:190px;border:1px solid var(--line);border-radius:20px;padding:24px;background:#fff;display:flex;flex-direction:column;justify-content:space-between;transition:.2s}.purpose-card:hover{transform:translateY(-4px);box-shadow:0 16px 35px rgba(17,36,75,.08);border-color:#c8d3e7}.purpose-icon{width:48px;height:48px;border-radius:14px;background:#eef2ff;color:var(--blue);display:grid;place-items:center;font-size:22px}.purpose-card p{color:var(--muted);font-size:14px;margin-bottom:0}.link-arrow{font-weight:800;color:var(--blue);font-size:13px}.calc-panel{display:grid;grid-template-columns:.86fr 1.14fr;gap:34px;align-items:start}.calc-side{position:sticky;top:110px}.benefit-list{display:grid;gap:16px;margin-top:30px}.benefit{display:flex;gap:13px}.benefit b{display:block}.benefit p{margin:3px 0 0;color:var(--muted);font-size:14px}.calc-card{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:26px;padding:30px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.calc-block{padding:18px;border:1px solid var(--line);border-radius:16px}.calc-block.wide{grid-column:1/-1}.calc-title{display:flex;justify-content:space-between;align-items:center;font-size:12px;font-weight:800;color:#67738a;margin-bottom:12px}.calc-title strong{color:var(--ink);font-size:18px}.result{grid-column:1/-1;background:linear-gradient(135deg,var(--navy),#173b74);color:#fff;border-radius:20px;padding:24px}.result-row{display:flex;justify-content:space-between;gap:20px;align-items:end}.result strong{font-size:38px;letter-spacing:-.05em}.result small{color:#becbe1}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step{padding:28px;border-radius:22px;background:#fff;border:1px solid var(--line)}.step-num{width:42px;height:42px;border-radius:13px;background:var(--navy);color:var(--lime);display:grid;place-items:center;font-weight:900;margin-bottom:22px}.step p{color:var(--muted);font-size:14px}.band{margin:0 auto 92px;max-width:1220px;border-radius:30px;background:linear-gradient(120deg,#173b74,var(--navy));color:#fff;padding:48px;display:flex;justify-content:space-between;gap:36px;align-items:center;overflow:hidden;position:relative}.band:after{content:"AUD";position:absolute;right:-12px;top:-30px;font-size:170px;font-weight:900;color:rgba(255,255,255,.04);letter-spacing:-.08em}.band p{color:#ccd7ea;max-width:650px}.badge-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}.badge{border:1px solid rgba(255,255,255,.18);padding:9px 12px;border-radius:999px;font-size:12px;font-weight:800}.faq{max-width:880px}.faq details{border-bottom:1px solid var(--line);padding:0}.faq summary{list-style:none;padding:21px 0;font-size:16px;font-weight:800;cursor:pointer;display:flex;justify-content:space-between}.faq summary:after{content:"+";font-size:22px;color:var(--blue)}.faq details[open] summary:after{content:"–"}.faq details p{color:var(--muted);padding-bottom:22px;margin:0}.footer{background:#08152d;color:#fff;padding:64px max(28px,calc((100vw - 1164px)/2)) 36px}.footer-main{display:grid;grid-template-columns:1.7fr repeat(3,1fr);gap:42px;padding-bottom:38px;border-bottom:1px solid rgba(255,255,255,.12)}.footer-logo .logo-mark{background:#fff;color:var(--navy)}.footer-tag{color:#aebbd0;max-width:330px;margin:20px 0}.contact-line{display:grid;gap:2px}.contact-line strong{font-size:22px}.contact-line span{font-size:12px;color:#9facc2}.contact-line .public-email{font-size:12px;color:#c9f45a;margin-top:4px}.contact-line .public-email:hover{color:#fff}.footer-links{display:grid;align-content:start;gap:10px}.footer-links h4{margin-bottom:8px}.footer-links a{font-size:13px;color:#b7c3d7}.footer-links a:hover{color:#fff}.footer-legal{padding:24px 0 10px;color:#9faac0;font-size:11px}.footer-legal p{margin:6px 0}.important{margin-top:20px;border-top:1px solid rgba(255,255,255,.12);padding-top:24px;color:#8f9db4;font-size:10.5px}.important h4{color:#fff;font-size:12px}.important p{margin:8px 0}.page-hero{background:linear-gradient(130deg,#eff4ff,#f7ffe6);padding:72px 0}.page-hero .shell{display:grid;grid-template-columns:1fr .7fr;gap:44px;align-items:center}.page-hero h1{font-size:clamp(44px,5vw,66px)}.page-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:var(--shadow)}.rate-big{font-size:46px;font-weight:900;letter-spacing:-.05em}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:30px}.feature-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.feature-card{border:1px solid var(--line);border-radius:20px;padding:24px}.feature-card p{color:var(--muted);font-size:14px}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px}.info-table{width:100%;border-collapse:collapse}.info-table th,.info-table td{text-align:left;padding:16px 18px;border-bottom:1px solid var(--line);font-size:14px}.info-table th{background:#f7f9fc}.info-table tr:last-child td{border-bottom:0}.apply-shell{min-height:calc(100vh - 78px);background:var(--ice);padding:48px 28px}.apply-card{max-width:790px;margin:auto;background:#fff;border-radius:26px;border:1px solid var(--line);box-shadow:var(--shadow);overflow:hidden}.apply-head{padding:24px 30px;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:20px}.progress{height:6px;background:#edf0f5}.progress span{display:block;height:100%;background:var(--blue);width:25%;transition:.3s}.apply-body{padding:34px 30px 30px}.apply-step{display:none}.apply-step.active{display:block}.apply-step h1{font-size:36px;line-height:1.05;margin-bottom:10px}.apply-step>p{color:var(--muted)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-field{margin-bottom:18px}.form-field.full{grid-column:1/-1}.form-field label{display:block;font-size:12px;font-weight:800;margin-bottom:7px}.choice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.choice{border:1px solid var(--line);border-radius:14px;padding:14px;font-weight:700;background:#fff;text-align:left}.choice.selected,.choice:hover{border-color:#8ba2ff;background:#f2f5ff}.apply-actions{margin-top:26px;display:flex;justify-content:space-between;gap:12px}.prototype-note{font-size:11px;color:#7d8798;text-align:center;margin:16px 0 0}.notice{background:#f3f7ff;border:1px solid #dce6ff;border-radius:14px;padding:15px;font-size:12px;color:#4e5c75}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:26px}.contact-card{border:1px solid var(--line);border-radius:20px;padding:24px}.contact-card p{color:var(--muted)}.legal-copy{max-width:900px}.legal-copy h2{font-size:28px;margin-top:38px}.legal-copy p,.legal-copy li{color:#56627a}.legal-copy a{color:var(--blue);font-weight:700}.legal-list{padding-left:20px}
@media(max-width:980px){.desktop-nav,.desktop-only{display:none}.menu-btn{display:block}.hero-grid,.calc-panel,.page-hero .shell,.contact-grid{grid-template-columns:1fr}.hero-grid{padding-top:50px}.trustbar .shell{grid-template-columns:repeat(2,1fr);padding-top:20px;padding-bottom:20px}.purpose-grid{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:repeat(2,1fr)}.steps,.feature-cards{grid-template-columns:1fr}.calc-side{position:static}.footer-main{grid-template-columns:1.5fr 1fr 1fr}.footer-links:last-child{display:none}.band{margin-left:28px;margin-right:28px}}
@media(max-width:640px){.header-inner{height:68px;padding:0 18px}.logo-word{font-size:15px}.header-actions .btn{display:none}.hero-grid,.shell{padding-left:18px;padding-right:18px}h1{font-size:46px}.hero-lead{font-size:17px}.quote-card{padding:20px}.trustbar .shell{grid-template-columns:1fr 1fr;gap:14px}.trust-item{font-size:11px}.section{padding:68px 0}.purpose-grid,.stats,.calc-grid,.form-grid,.choice-grid,.two-col{grid-template-columns:1fr}.calc-block.wide{grid-column:auto}.result-row{display:block}.result strong{display:block;margin-top:6px}.band{margin:0 18px 68px;padding:32px 24px;display:block}.band .btn{margin-top:12px}.footer{padding-left:20px;padding-right:20px}.footer-main{grid-template-columns:1fr 1fr}.footer-main>div:first-child{grid-column:1/-1}.apply-shell{padding:22px 12px}.apply-head,.apply-body{padding-left:20px;padding-right:20px}.apply-step h1{font-size:30px}.page-hero{padding:48px 0}}

/* ---- 2026 application-flow refinements ---- */
.mobile-nav[hidden]{display:none!important}
@media(min-width:981px){.mobile-nav{display:none!important}}
@media(max-width:980px){.mobile-nav:not([hidden]){display:grid}}

.apply-card{max-width:920px}
.apply-head-meta{display:flex;align-items:center;gap:14px;color:#647089;font-size:12px;font-weight:800}
.save-state{display:inline-flex;align-items:center;gap:6px}
.save-state:before{content:"";width:8px;height:8px;border-radius:50%;background:#65b832;box-shadow:0 0 0 4px rgba(101,184,50,.12)}
.req{color:#d13b55}.optional{font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:#7a879a;margin-left:8px;font-weight:800}
.form-error{background:#fff0f2;color:#8f2133;border:1px solid #f6c7cf;border-radius:13px;padding:13px 15px;margin-bottom:20px;font-size:13px;font-weight:700}
.form-field input[type=text],.form-field input[type=tel],.form-field input[type=email],.form-field input[type=date],.form-field input[type=number],.form-field textarea{width:100%;border:1px solid var(--line);background:#fff;border-radius:12px;padding:13px 14px;color:var(--ink);outline:0}
.form-field textarea{min-height:100px;resize:vertical;font:inherit}
.form-field input:focus,.form-field textarea:focus{border-color:#89a3ff;box-shadow:0 0 0 4px rgba(33,85,255,.08)}
.form-field input.invalid,.form-field select.invalid,.check-row.invalid{border-color:#d74d63!important;box-shadow:0 0 0 3px rgba(215,77,99,.08)}
.form-field small.helper{display:block;color:#7b8497;margin-top:6px}
.conditional-card{border:1px solid var(--line);background:#fafbfe;border-radius:18px;padding:20px;margin:10px 0 22px}
.conditional-card h3{margin-bottom:5px}.conditional-card[hidden]{display:none!important}
.subheading{font-size:16px;margin:24px 0 12px;padding-bottom:8px;border-bottom:1px solid var(--line)}
.input-prefix{display:flex;align-items:center;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}
.input-prefix:focus-within{border-color:#89a3ff;box-shadow:0 0 0 4px rgba(33,85,255,.08)}
.input-prefix span{padding:0 0 0 13px;color:#66738b;font-weight:800}
.input-prefix input{border:0!important;box-shadow:none!important;border-radius:0!important}
.upload-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.upload-box{position:relative;border:1.5px dashed #c6cfdf;border-radius:16px;padding:20px;background:#fff;display:flex;flex-direction:column;gap:3px;min-height:138px;justify-content:center;transition:.2s;border-color:.2s;background .2s;cursor:pointer}
.upload-box:hover{border-color:#7f9cff;background:#f8faff}.upload-box input[type=file]{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%}
.upload-box .upload-icon{width:38px;height:38px;border-radius:12px;background:#eef2ff;color:var(--blue);display:grid;place-items:center;font-size:20px;margin-bottom:6px;font-weight:900}
.upload-box strong{font-size:14px}.upload-box small{font-size:11px;color:#7e899d}.upload-box.has-file{border-style:solid;border-color:#8caa45;background:#fbfff2}.file-name{font-size:11px;color:#47620d;font-weight:800;margin-top:5px;word-break:break-word}
.document-list{display:grid;gap:12px}.upload-wide{min-height:112px;flex-direction:row;align-items:center;justify-content:flex-start;gap:14px}.upload-wide .upload-icon{flex:0 0 38px;margin:0}.upload-wide div{display:flex;flex-direction:column}.upload-wide .file-name{margin-left:auto;max-width:260px;text-align:right}
.privacy-callout{display:flex;gap:10px;align-items:flex-start;background:#f7f9fc;border-left:4px solid var(--navy);padding:14px 16px;border-radius:0 12px 12px 0;font-size:12px;color:#56637a;margin:18px 0}.privacy-callout strong{color:var(--ink);white-space:nowrap}
.review-summary{display:grid;gap:12px;margin:20px 0}.review-section{border:1px solid var(--line);border-radius:16px;padding:18px}.review-section h3{font-size:15px;margin-bottom:10px}.review-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px 18px}.review-item{display:flex;justify-content:space-between;gap:16px;font-size:12px;border-bottom:1px solid #eef1f6;padding:7px 0}.review-item span{color:#748097}.review-item strong{text-align:right;word-break:break-word}.consent-list{display:grid;gap:10px;margin:22px 0}.check-row{display:flex;align-items:flex-start;gap:11px;border:1px solid var(--line);padding:13px 14px;border-radius:13px;font-size:12px;color:#516078;background:#fff}.check-row input{margin-top:3px;accent-color:var(--blue);flex:0 0 auto}.check-row a{color:var(--blue);font-weight:800}
.spinner{width:18px;height:18px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .8s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}
.success-step{text-align:center}.success-step .eyebrow:before{display:none}.success-icon{width:64px;height:64px;border-radius:50%;display:grid;place-items:center;background:#e8f8bd;color:#466d00;font-size:30px;font-weight:900;margin:0 auto 18px}.success-card{max-width:520px;margin:22px auto;background:var(--navy);color:#fff;border-radius:20px;padding:24px}.success-card small{color:#bcc9df}.success-card strong{display:block;font-size:28px;letter-spacing:.02em;margin:5px 0}.success-card p{color:#c7d2e5;font-size:12px;margin:0}.next-steps{text-align:left;max-width:610px;margin:24px auto;border:1px solid var(--line);border-radius:18px;padding:20px}.next-steps li{margin:8px 0;color:#536078}.success-step .apply-actions{justify-content:center}
.prototype-note code{font-family:ui-monospace,SFMono-Regular,Consolas,monospace;background:#eef1f5;padding:2px 5px;border-radius:5px}
.choice.selected{position:relative}.choice.selected:after{content:"✓";position:absolute;right:12px;color:var(--blue)}
@media(max-width:640px){.apply-head-meta{display:grid;text-align:right;gap:2px}.save-state{justify-content:flex-end}.upload-grid{grid-template-columns:1fr}.upload-wide{align-items:flex-start}.upload-wide .file-name{margin-left:0;text-align:left;max-width:none}.review-grid{grid-template-columns:1fr}.privacy-callout{display:block}.privacy-callout strong{display:block;margin-bottom:4px}.apply-actions{align-items:stretch}.apply-actions .btn{flex:1;padding-left:12px;padding-right:12px}}

/* Keep CTA text readable inside legal/complaints content. */
.legal-copy a.btn { color: #fff; }