*{margin:0;padding:0;box-sizing:border-box}
:root{--bg:#08090a;--panel:#0f1011;--surface:#191a1b;--text:#f7f8f8;--body:#d0d6e0;--muted:#8a8f98;--faint:#62666d;--accent:#5e6ad2;--accent2:#7170ff;--accent3:#828fff;--border:rgba(255,255,255,.08);--border-subtle:rgba(255,255,255,.05)}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--body);font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;font-feature-settings:'cv01','ss03';font-size:16px;line-height:1.5;-webkit-font-smoothing:antialiased}
a{color:var(--accent2);text-decoration:none}
a:hover{color:var(--accent3)}
img{display:block}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.topbar{background:#151a20;color:#f7f5f1;font-size:13px;font-weight:510;letter-spacing:-.13px;border-bottom:1px solid var(--border-subtle)}
.topbar .container{display:flex;justify-content:space-between;align-items:center;min-height:44px;gap:16px;flex-wrap:wrap}
.topbar span{color:#d0d6e0;font-weight:400}
.topbar a{color:#f7f5f1;font-weight:510}
header.site{position:sticky;top:0;z-index:50;background:rgba(15,16,17,.85);backdrop-filter:blur(12px);border-bottom:1px solid var(--border-subtle)}
header.site .container{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;color:var(--text);font-weight:590;font-size:15px;letter-spacing:-.165px}
.logo-mark{width:28px;height:28px;border-radius:7px;background:var(--accent);display:flex;align-items:center;justify-content:center;color:#fff;font-size:12px;font-weight:600}
nav.main{display:flex;align-items:center;gap:28px}
nav.main a{color:var(--body);font-size:13px;font-weight:510;letter-spacing:-.13px;transition:color .15s}
nav.main a:hover{color:var(--text)}
nav.main a.active{color:var(--text)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:8px 16px;border-radius:6px;font-size:14px;font-weight:510;letter-spacing:-.165px;transition:all .15s;cursor:pointer;border:1px solid transparent}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent3);color:#fff}
.btn-ghost{background:rgba(255,255,255,.02);color:#e2e4e7;border:1px solid rgb(36,40,44)}
.btn-ghost:hover{background:rgba(255,255,255,.05);color:var(--text)}
.hero{padding:96px 0 72px;background:radial-gradient(ellipse 80% 50% at 50% -10%,rgba(94,106,210,.18),transparent 70%)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:4px 12px;border-radius:9999px;border:1px solid rgb(35,37,42);background:rgba(255,255,255,.02);color:var(--body);font-size:12px;font-weight:510;margin-bottom:24px}
.eyebrow .dot{width:6px;height:6px;border-radius:50%;background:#10b981}
h1{font-size:clamp(32px,5vw,64px);font-weight:510;line-height:1.05;letter-spacing:-1.408px;color:var(--text);max-width:820px}
.hero p.lede{font-size:18px;font-weight:400;line-height:1.6;letter-spacing:-.165px;color:var(--muted);max-width:640px;margin-top:20px}
.hero-cta{display:flex;gap:12px;margin-top:32px;flex-wrap:wrap}
.hero-media{margin-top:56px;border-radius:12px;overflow:hidden;border:1px solid var(--border);box-shadow:rgba(0,0,0,.4) 0 2px 4px,rgba(0,0,0,.2) 0 0 0 1px}
.hero-media img{width:100%;height:420px;object-fit:cover}
section{padding:88px 0}
.section-head{max-width:640px;margin-bottom:48px}
h2{font-size:clamp(28px,3.5vw,48px);font-weight:510;line-height:1.08;letter-spacing:-1.056px;color:var(--text)}
.section-head p{margin-top:16px;font-size:18px;line-height:1.6;letter-spacing:-.165px;color:var(--muted)}
.kicker{font-size:13px;font-weight:510;letter-spacing:.4px;text-transform:uppercase;color:var(--accent2);margin-bottom:14px;display:block}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:rgba(255,255,255,.02);border:1px solid var(--border);border-radius:12px;overflow:hidden;transition:background .2s,border-color .2s;display:flex;flex-direction:column}
.card:hover{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.14)}
.card img{width:100%;height:200px;object-fit:cover;border-radius:12px 12px 0 0}
.card-body{padding:24px}
.card h3{font-size:20px;font-weight:590;line-height:1.33;letter-spacing:-.24px;color:var(--text);margin-bottom:10px}
.card p{font-size:15px;line-height:1.6;letter-spacing:-.165px;color:var(--muted)}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:18px;font-size:14px;font-weight:510;color:var(--accent2)}
.stats{background:var(--panel);border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat-num{font-size:40px;font-weight:510;letter-spacing:-.88px;color:var(--text)}
.stat-num sup{font-size:18px;color:var(--accent2)}
.stat-label{margin-top:8px;font-size:13px;font-weight:510;color:var(--faint)}
.cta-band{background:radial-gradient(ellipse 60% 80% at 50% 120%,rgba(94,106,210,.22),transparent 70%);text-align:center}
.cta-band .inner{max-width:680px;margin:0 auto}
.cta-band p{margin-top:16px;font-size:18px;line-height:1.6;letter-spacing:-.165px;color:var(--muted)}
.cta-band .hero-cta{justify-content:center}
.contact-strip{background:var(--panel);border-top:1px solid var(--border-subtle)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.contact-grid h3{font-size:24px;font-weight:510;letter-spacing:-.288px;color:var(--text)}
.contact-grid .email-line{margin-top:16px;font-size:16px}
label{display:block;font-size:13px;font-weight:510;color:var(--body);margin-bottom:6px}
input,textarea{width:100%;background:rgba(255,255,255,.02);border:1px solid var(--border);border-radius:6px;padding:12px 14px;color:var(--body);font-family:inherit;font-size:15px;font-feature-settings:'cv01','ss03'}
input:focus,textarea:focus{outline:none;border-color:rgba(255,255,255,.18);box-shadow:0 0 0 3px rgba(94,106,210,.25)}
textarea{min-height:120px;resize:vertical}
.field{margin-bottom:16px}
.form-note{font-size:12px;color:var(--faint);margin-top:12px}
footer.site{background:#151a20;color:#f7f5f1;border-top:1px solid var(--border-subtle);padding:64px 0 32px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}
.footer-grid h4{font-size:13px;font-weight:590;letter-spacing:-.13px;color:#f7f5f1;margin-bottom:16px}
.footer-grid ul{list-style:none}
.footer-grid li{margin-bottom:10px}
.footer-grid a{color:#d0d6e0;font-size:13px;font-weight:400}
.footer-grid a:hover{color:#f7f5f1}
.footer-about{font-size:14px;line-height:1.6;color:#d0d6e0;max-width:320px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.05);padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:12px;color:#d0d6e0}
@media(max-width:900px){.grid-3{grid-template-columns:1fr 1fr}.stats-grid{grid-template-columns:1fr 1fr;gap:32px}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:768px){nav.main{display:none}.contact-grid{grid-template-columns:1fr}}
@media(max-width:640px){.grid-3{grid-template-columns:1fr}.hero{padding:64px 0 48px}section{padding:56px 0}.hero-media img{height:260px}}

/* Layout helpers */
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.narrow{max-width:760px;margin:0 auto}
.content{max-width:760px;margin:0 auto;font-size:16px;line-height:1.7;color:var(--body)}
.content p{margin-bottom:16px}
.content h2{margin:40px 0 16px}
.content h3{font-size:20px;font-weight:590;letter-spacing:-.24px;color:var(--text);margin:32px 0 12px}
.content ul{margin:0 0 16px 20px}
.content li{margin-bottom:8px}
.two-col,.two-column{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.section{padding:88px 0}
.section-alt{background:var(--panel);border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle)}
.muted{color:var(--muted)}
.small{font-size:13px;color:var(--muted)}
.primary{color:var(--accent2)}
.secondary{color:var(--accent3)}
.inline-link{color:var(--accent2);text-decoration:underline;text-underline-offset:3px}
.inline-link:hover{color:var(--accent3)}

/* Topbar */
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;min-height:44px}
.topbar-brand{display:flex;align-items:center;gap:8px;color:#f7f5f1;font-weight:590;letter-spacing:-.13px}
.topbar-contact{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.topbar-text{color:var(--body);font-weight:400}
.topbar-contact a{color:#f7f5f1;font-weight:510}

/* Header / Nav */
.site-header{position:sticky;top:0;z-index:50;background:rgba(15,16,17,.85);backdrop-filter:blur(12px);border-bottom:1px solid var(--border-subtle)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px;gap:24px}
.brand{display:flex;align-items:center;gap:10px;color:var(--text);font-weight:590;font-size:15px;letter-spacing:-.165px}
.brand-tag{font-size:12px;font-weight:400;color:var(--faint);border-left:1px solid var(--border);padding-left:10px}
.site-nav{display:flex;align-items:center;gap:24px}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}
.main-nav,.nav-links,.nav-list{display:flex;align-items:center;gap:28px;list-style:none}
.main-nav a,.nav-links a,.nav-list a{color:var(--body);font-size:13px;font-weight:510;letter-spacing:-.13px;transition:color .15s}
.main-nav a:hover,.nav-links a:hover,.nav-list a:hover{color:var(--text)}
.nav-cta{display:flex;align-items:center;gap:12px}
.btn-nav{background:var(--accent);color:#fff;border-radius:6px;padding:8px 16px;font-size:13px;font-weight:510}
.btn-nav:hover{background:var(--accent3);color:#fff}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.btn-outline{background:transparent;color:var(--text);border:1px solid rgb(36,40,44)}
.btn-outline:hover{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.16)}
.btn-secondary{background:rgba(255,255,255,.02);color:var(--text);border:1px solid rgb(36,40,44)}
.btn-secondary:hover{background:rgba(255,255,255,.05)}

/* Heroes */
.page-hero{padding:96px 0 72px;background:radial-gradient(ellipse 80% 50% at 50% -10%,rgba(94,106,210,.18),transparent 70%)}
.hero-sub{font-size:18px;line-height:1.6;letter-spacing:-.165px;color:var(--muted);max-width:640px;margin-top:20px}
.hero-actions{display:flex;gap:12px;margin-top:32px;flex-wrap:wrap}
.lead{font-size:18px;line-height:1.6;color:var(--body);max-width:640px}

/* Sections */
.content-section{padding:88px 0}
.section-intro{max-width:640px;margin-bottom:48px}
.section-intro p{margin-top:16px;font-size:18px;line-height:1.6;color:var(--muted)}

/* Cards */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.service-card,.reason-card,.detail-card{background:rgba(255,255,255,.02);border:1px solid var(--border);border-radius:12px;padding:28px;transition:background .2s,border-color .2s}
.service-card:hover,.reason-card:hover,.detail-card:hover{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.14)}
.service-card h3,.reason-card h3,.detail-card h3{font-size:20px;font-weight:590;letter-spacing:-.24px;color:var(--text);margin-bottom:10px}
.service-card p,.reason-card p,.detail-card p{font-size:15px;line-height:1.6;color:var(--muted)}
.service-list{list-style:none;margin:0}
.service-list li{padding:20px 0;border-bottom:1px solid var(--border-subtle);display:flex;justify-content:space-between;gap:24px;align-items:baseline}
.service-list li:last-child{border-bottom:none}
.reason-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.detail-list{list-style:none;margin:0}
.detail-list li{display:flex;justify-content:space-between;gap:24px;padding:14px 0;border-bottom:1px solid var(--border-subtle);font-size:15px}
.detail-list li:last-child{border-bottom:none}
.detail-list li span:first-child{color:var(--muted)}
.detail-list li span:last-child{color:var(--text);font-weight:510;text-align:right}
.check-list{list-style:none;margin:0}
.check-list li{position:relative;padding-left:28px;margin-bottom:12px;font-size:15px;line-height:1.6;color:var(--body)}
.check-list li::before{content:"";position:absolute;left:0;top:4px;width:16px;height:16px;border-radius:50%;background:rgba(94,106,210,.18);border:1px solid var(--accent)}
.check-list li::after{content:"";position:absolute;left:4.5px;top:8.5px;width:7px;height:4px;border-left:1.5px solid var(--accent2);border-bottom:1.5px solid var(--accent2);transform:rotate(-45deg)}

/* Process steps */
.steps,.process-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
.step,.process-step{background:rgba(255,255,255,.02);border:1px solid var(--border);border-radius:12px;padding:28px}
.step-number{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;background:rgba(94,106,210,.15);border:1px solid var(--accent);color:var(--accent3);font-size:14px;font-weight:600;margin-bottom:16px}
.step h3,.process-step h3{font-size:18px;font-weight:590;letter-spacing:-.22px;color:var(--text);margin-bottom:8px}
.step p,.process-step p{font-size:15px;line-height:1.6;color:var(--muted)}
.next-steps{margin-top:32px;padding:24px;border:1px solid var(--border);border-radius:12px;background:rgba(255,255,255,.02)}

/* Quote */
.quote-form-section{padding:88px 0;background:var(--panel);border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle)}
.quote-intro{max-width:640px;margin-bottom:40px}
.quote-intro p{margin-top:16px;font-size:18px;line-height:1.6;color:var(--muted)}
.quote-form{max-width:640px;background:rgba(255,255,255,.02);border:1px solid var(--border);border-radius:12px;padding:32px}
.form-field{margin-bottom:20px}
.form-field label{display:block;font-size:13px;font-weight:510;color:var(--text);margin-bottom:8px}
.form-field input,.form-field select,.form-field textarea{width:100%;padding:10px 12px;background:var(--surface);border:1px solid rgb(36,40,44);border-radius:6px;color:var(--text);font-family:inherit;font-size:14px;line-height:1.5;transition:border-color .15s}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--accent)}
.form-field textarea{min-height:120px;resize:vertical}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field-row .form-field{margin-bottom:0}
.checkbox-field{display:flex;align-items:flex-start;gap:10px;margin-bottom:20px}
.checkbox-field input{width:16px;height:16px;margin-top:3px;accent-color:var(--accent)}
.checkbox-field label{font-size:13px;color:var(--muted);line-height:1.5}
.consent-note{font-size:12px;color:var(--faint);line-height:1.5;margin-top:16px}
.quote-assurance{display:flex;align-items:center;gap:10px;margin-top:16px;font-size:13px;color:var(--muted)}
.contact-form-wrap{max-width:640px}
.contact-form{background:rgba(255,255,255,.02);border:1px solid var(--border);border-radius:12px;padding:32px}
.contact-details{display:flex;flex-direction:column;gap:16px}
.email-link{color:var(--accent2);font-weight:510}
.email-link:hover{color:var(--accent3)}
.contact-photo{width:100%;height:320px;object-fit:cover;border-radius:12px;border:1px solid var(--border)}

/* CTA */
.cta-section,.cta-block{padding:88px 0;background:radial-gradient(ellipse 60% 80% at 50% 120%,rgba(94,106,210,.22),transparent 70%);text-align:center}
.cta-inner{max-width:680px;margin:0 auto}
.cta-actions,.cta-buttons{display:flex;gap:12px;justify-content:center;margin-top:32px;flex-wrap:wrap}
.insight-banner{display:flex;align-items:center;gap:16px;padding:20px 24px;border:1px solid var(--border);border-radius:12px;background:rgba(94,106,210,.08);margin:48px 0}
.insight-text{font-size:15px;line-height:1.6;color:var(--body)}

/* Policy */
.policy-meta{font-size:13px;color:var(--faint);margin-bottom:32px}
.updated-note{font-size:13px;color:var(--faint);margin-top:40px;padding-top:16px;border-top:1px solid var(--border-subtle)}

/* ABN */
.abn{font-size:13px;color:var(--faint)}
.abn-card{display:flex;align-items:center;gap:12px;padding:16px 20px;border:1px solid var(--border);border-radius:12px;background:rgba(255,255,255,.02);font-size:13px;color:var(--muted)}

/* Footer */
.site-footer{background:var(--panel);border-top:1px solid var(--border-subtle);padding:64px 0 32px}
.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px}
.footer-col h3{font-size:13px;font-weight:510;letter-spacing:.4px;text-transform:uppercase;color:var(--faint);margin-bottom:16px}
.footer-col ul{list-style:none;margin:0}
.footer-col li{margin-bottom:10px}
.footer-col a{color:var(--body);font-size:14px}
.footer-col a:hover{color:var(--text)}
.footer-email{color:var(--accent2);font-weight:510}
.footer-email:hover{color:var(--accent3)}
.footer-abn{grid-column:1/-1;border-top:1px solid var(--border-subtle);padding-top:24px;font-size:13px;color:var(--faint)}

/* Responsive */
@media(max-width:960px){
.card-grid,.reason-grid,.three-col,.steps,.process-steps,.grid-3{grid-template-columns:1fr 1fr}
.footer-inner{grid-template-columns:1fr 1fr}
.two-col,.two-column{grid-template-columns:1fr;gap:32px}
.stats-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
.card-grid,.reason-grid,.three-col,.steps,.process-steps,.grid-3,.footer-inner,.field-row{grid-template-columns:1fr}
.nav-links,.nav-list,.main-nav{display:none}
.two-col,.two-column{grid-template-columns:1fr}
.quote-form,.contact-form{padding:24px}
}

.alt{background:var(--panel);border-top:1px solid var(--border-subtle);border-bottom:1px solid var(--border-subtle)}
.alt .section-head{margin-bottom:40px}
.alt .kicker{color:var(--accent3)}
.alt .grid-3 .card{background:var(--surface)}
.alt .card:hover{background:#1f2022;border-color:rgba(255,255,255,.16)}
.cta{background:radial-gradient(ellipse 65% 90% at 50% 110%,rgba(94,106,210,.24),transparent 72%);text-align:center;padding:104px 0;border-top:1px solid var(--border-subtle)}
.cta h2{max-width:720px;margin:0 auto}
.cta p{max-width:560px;margin:16px auto 0;font-size:18px;line-height:1.6;letter-spacing:-.165px;color:var(--muted)}
.cta .hero-cta{justify-content:center;margin-top:32px}
.footer-nav{display:flex;flex-wrap:wrap;gap:40px;justify-content:space-between;padding:56px 0;border-top:1px solid var(--border-subtle)}
.footer-nav h4{font-size:13px;font-weight:510;letter-spacing:.2px;color:var(--text);margin-bottom:14px}
.footer-nav ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-nav a{color:var(--muted);font-size:14px;transition:color .15s}
.footer-nav a:hover{color:var(--text)}
@media(max-width:860px){.footer-nav{flex-direction:column;gap:32px}}