/* ============================================================
   Central Accord — Landing page styles
   ============================================================ */

:root {
  --green-950: #0a2119;
  --green-900: #0e2f22;
  --green-800: #123c2c;
  --green-700: #17503a;
  --green-600: #1d6448;
  --gold: #b98a2e;
  --gold-strong: #c99a3a;
  --gold-soft: #d9b263;
  --cream: #f4eddc;
  --paper: #faf9f5;
  --white: #ffffff;
  --ink: #1c2420;
  --ink-soft: #4c5a53;
  --line: #e4e2da;
  --line-dark: rgba(255, 255, 255, 0.14);
  --radius: 6px;
  --radius-lg: 10px;
  --shadow: 0 18px 50px rgba(10, 33, 25, 0.18);
  --header-h: 84px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  --font-mono: ui-monospace, "SF Mono", SFMono-Regular, Menlo, Consolas, "Liberation Mono", monospace;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { color: inherit; }

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.container.narrow { max-width: 860px; }

.center { text-align: center; }

/* ---------- Type ---------- */

h1, h2, h3 { font-weight: 800; letter-spacing: -0.02em; line-height: 1.12; }

h2 { font-size: clamp(1.75rem, 3.4vw, 2.6rem); }

.kicker {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.section { padding: 92px 0; }

.section-head { margin-bottom: 56px; }

.section-sub {
  margin-top: 16px;
  color: var(--ink-soft);
  font-size: 1.05rem;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

.fine-print {
  font-size: 0.78rem;
  color: #8a948e;
  max-width: 720px;
  margin: 40px auto 0;
  line-height: 1.55;
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-block;
  font-family: var(--font);
  font-size: 0.92rem;
  font-weight: 600;
  padding: 14px 26px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  text-decoration: none;
  text-align: center;
  transition: background 0.2s ease, transform 0.15s ease, box-shadow 0.2s ease;
}

.btn:active { transform: translateY(1px); }

.btn-primary {
  background: var(--green-800);
  color: var(--white);
}
.btn-primary:hover { background: var(--green-700); }

.btn-gold {
  background: var(--gold);
  color: var(--white);
}
.btn-gold:hover { background: var(--gold-strong); }

.btn-header {
  background: var(--green-600);
  color: var(--white);
  padding: 10px 18px;
  font-size: 0.82rem;
}
.btn-header:hover { background: var(--green-700); }

.btn-block { width: 100%; }

/* ---------- Header ---------- */

.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(10, 33, 25, 0.55);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  transition: background 0.25s ease, box-shadow 0.25s ease;
}

.site-header.scrolled {
  background: var(--green-950);
  box-shadow: 0 6px 24px rgba(0, 0, 0, 0.25);
}

.header-inner {
  height: var(--header-h);
  display: flex;
  align-items: center;
  gap: 32px;
}

.header-logo img { height: 55px; width: auto; }

.header-nav {
  display: flex;
  gap: 28px;
  margin-left: auto;
}

.header-nav a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 500;
  transition: color 0.2s ease;
}
.header-nav a:hover { color: var(--gold-soft); }

.header-actions { display: flex; align-items: center; gap: 22px; }

.header-phone {
  color: var(--white);
  font-weight: 700;
  font-size: 0.9rem;
  text-decoration: none;
}
.header-phone:hover { color: var(--gold-soft); }

/* Mobile nav */

.nav-toggle {
  display: none;
  margin-left: auto;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  margin: 5px 0;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  flex-direction: column;
  gap: 4px;
  padding: 12px 24px 24px;
  background: var(--green-950);
}
.mobile-nav a {
  color: var(--white);
  text-decoration: none;
  padding: 12px 0;
  font-weight: 600;
  border-bottom: 1px solid var(--line-dark);
}
.mobile-nav a.btn { border-bottom: none; margin-top: 12px; }
.mobile-nav.open { display: flex; }

/* ---------- Hero ---------- */

.hero {
  position: relative;
  color: var(--white);
  padding: calc(var(--header-h) + 72px) 0 88px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url("../images/hero-bg-1344.jpg");
  background-size: cover;
  background-position: center;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg,
    rgba(10, 33, 25, 0.92) 0%,
    rgba(10, 33, 25, 0.72) 45%,
    rgba(10, 33, 25, 0.45) 100%);
}

.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 400px;
  gap: 64px;
  align-items: start;
}

.hero-copy h1 {
  font-size: clamp(2.2rem, 4.6vw, 3.4rem);
  margin-bottom: 24px;
}

.hero-sub {
  max-width: 520px;
  color: rgba(255, 255, 255, 0.88);
  font-size: 1.02rem;
  margin-bottom: 40px;
}

.hero-stats {
  display: flex;
  margin-bottom: 40px;
}

.hero-stats .stat { padding-right: 32px; }

.hero-stats .stat + .stat {
  border-left: 1px solid rgba(255, 255, 255, 0.28);
  padding-left: 32px;
}

.hero-stats .stat-value { white-space: nowrap; }

.stat-value {
  display: block;
  color: var(--gold-soft);
  font-family: var(--font-mono);
  font-size: clamp(1.4rem, 2.4vw, 1.85rem);
  font-weight: 700;
  letter-spacing: -0.02em;
}

.stat-label {
  display: block;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.65);
  margin-top: 4px;
}

.hero-disclaimer {
  max-width: 520px;
  font-size: 0.78rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.6);
}

/* ---------- Lead form card ---------- */

.lead-card {
  background: var(--white);
  color: var(--ink);
  border-radius: var(--radius-lg);
  padding: 30px 28px;
  box-shadow: var(--shadow);
}

.lead-card h2 { font-size: 1.3rem; margin-bottom: 6px; }

.lead-card-sub {
  font-size: 0.84rem;
  color: var(--ink-soft);
  margin-bottom: 20px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-field { margin-bottom: 14px; }

.form-field label {
  display: block;
  font-size: 0.76rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--ink);
}

.form-field .optional { color: #9aa39d; font-weight: 400; }

.form-field input,
.form-field select {
  width: 100%;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 11px 12px;
  border: 1px solid #d7d5cc;
  border-radius: var(--radius);
  background: var(--white);
  color: var(--ink);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.form-field input::placeholder { color: #b3b8b2; }

.form-field input:focus,
.form-field select:focus {
  outline: none;
  border-color: var(--green-700);
  box-shadow: 0 0 0 3px rgba(23, 80, 58, 0.12);
}

.form-field input.error,
.form-field select.error {
  border-color: #c0392b;
  box-shadow: 0 0 0 3px rgba(192, 57, 43, 0.18);
  background: #fdf6f5;
}

.checkbox.error span { color: #a93226; }

.field-error {
  font-size: 0.74rem;
  font-weight: 600;
  color: #a93226;
  margin: 6px 0 0;
}

.form-consent { margin: 4px 0 16px; }

.checkbox {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.78rem;
  color: var(--ink-soft);
  cursor: pointer;
}

.checkbox input {
  margin-top: 2px;
  accent-color: var(--green-800);
  width: 15px;
  height: 15px;
  flex: none;
}

.checkbox a { color: var(--green-700); }

.form-assurances {
  list-style: none;
  margin: 16px 0 0;
  display: flex;
  flex-wrap: wrap;
  gap: 6px 18px;
}

.form-assurances li {
  font-size: 0.74rem;
  color: var(--ink-soft);
  padding-left: 18px;
  position: relative;
}

.form-assurances li::before {
  content: "\2713";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.form-call {
  margin-top: 16px;
  font-size: 0.86rem;
  font-weight: 600;
  text-align: center;
}
.form-call a { color: var(--green-700); text-decoration: none; }
.form-call a:hover { text-decoration: underline; }

.form-privacy {
  margin-top: 10px;
  font-size: 0.7rem;
  color: #9aa39d;
  text-align: center;
}
.form-privacy a { color: inherit; }

.btn:disabled {
  opacity: 0.65;
  cursor: wait;
}

.form-error {
  margin-top: 12px;
  font-size: 0.8rem;
  color: #c0392b;
  text-align: center;
  line-height: 1.5;
}

.form-info {
  margin-top: 12px;
  font-size: 0.8rem;
  color: var(--green-700);
  background: rgba(23, 80, 58, 0.08);
  border: 1px solid rgba(23, 80, 58, 0.22);
  border-radius: var(--radius);
  padding: 10px 12px;
  text-align: center;
  line-height: 1.5;
}

.form-success { text-align: center; padding: 32px 8px; }

.success-icon {
  width: 52px;
  height: 52px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--green-800);
  color: var(--white);
  font-size: 1.4rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.form-success h3 { margin-bottom: 8px; }
.form-success p { font-size: 0.9rem; color: var(--ink-soft); }

/* ---------- Trust bar ---------- */

.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--line);
}

.trust-bar-inner {
  display: flex;
  justify-content: center;
  gap: 56px;
  padding: 18px 24px;
  flex-wrap: wrap;
}

.trust-bar span {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ink-soft);
  display: flex;
  align-items: center;
  gap: 8px;
}

.tick {
  font-style: normal;
  color: var(--green-700);
  font-weight: 700;
}

.tick.gold { color: var(--gold-soft); }

.tick.ring {
  flex: none;
  width: 26px;
  height: 26px;
  border: 1.5px solid var(--green-700);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.72rem;
}

/* ---------- Why bonds ---------- */

.why-bonds { background: var(--white); }

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
}

.benefit {
  border-top: 1px solid var(--line);
  padding-top: 26px;
}

.benefit-num {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}

.benefit h3 { font-size: 1.12rem; margin-bottom: 12px; }

.benefit p { font-size: 0.92rem; color: var(--ink-soft); }

/* ---------- Who we work with (dark) ---------- */

.who-for {
  background: var(--green-950);
  color: var(--white);
}

.section-head.on-dark h2 { color: var(--white); }

.who-for-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr);
  gap: 64px;
  align-items: center;
}

.who-photo img {
  border-radius: var(--radius-lg);
  aspect-ratio: 4 / 3;
  object-fit: cover;
  width: 100%;
}

.who-list { list-style: none; }

.who-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px 0;
  border-bottom: 1px solid var(--line-dark);
  font-size: 0.98rem;
  color: rgba(255, 255, 255, 0.9);
}

.who-list li:last-child { border-bottom: none; }

.who-list .tick { margin-top: 2px; }

.who-note {
  margin-top: 48px;
  text-align: center;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.5);
}

/* ---------- Process ---------- */

.process { background: var(--paper); }

.process-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr);
  gap: 64px;
  align-items: center;
  margin-bottom: 56px;
}

.steps { list-style: none; }

.step {
  display: flex;
  gap: 24px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
}

.step:first-child { padding-top: 0; }
.step:last-child { border-bottom: none; padding-bottom: 0; }

.step-num {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  flex: none;
  width: 44px;
}

.step h3 { font-size: 1.1rem; margin-bottom: 8px; }

.step p { font-size: 0.92rem; color: var(--ink-soft); margin-bottom: 10px; }

.step-tag {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}

.process-photo img {
  border-radius: var(--radius-lg);
  aspect-ratio: 4 / 3.4;
  object-fit: cover;
  width: 100%;
}

/* ---------- Skyline banner ---------- */

.skyline { position: relative; }

.skyline img {
  width: 100%;
  height: clamp(260px, 38vw, 460px);
  object-fit: cover;
}

.skyline-caption {
  position: absolute;
  left: 50%;
  bottom: 26px;
  transform: translateX(-50%);
}

.skyline-caption span {
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.6);
}

/* ---------- Trust & protection ---------- */

.trust { background: var(--cream); }

.trust-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  max-width: 920px;
  margin: 0 auto 72px;
}

.trust-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  font-size: 0.92rem;
  color: var(--ink);
  padding: 4px 8px;
}

.trust-item.wide { grid-column: 1 / -1; max-width: 60%; }

.trust-item p { line-height: 1.5; }

/* Testimonials */

.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.t-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 26px 24px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  box-shadow: 0 4px 18px rgba(10, 33, 25, 0.05);
}

.t-card p {
  font-size: 0.9rem;
  color: var(--ink-soft);
  line-height: 1.65;
  flex: 1;
}

.t-card footer strong {
  display: block;
  font-size: 0.88rem;
  color: var(--ink);
}

.t-card footer span {
  font-size: 0.76rem;
  color: #9aa39d;
}

/* ---------- FAQ ---------- */

.faq { background: var(--white); }

.accordion {
  border-top: 1px solid var(--line);
}

.acc-item { border-bottom: 1px solid var(--line); }

.acc-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: none;
  border: none;
  font-family: var(--font);
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--ink);
  text-align: left;
  padding: 22px 4px;
  cursor: pointer;
}

.acc-trigger:hover { color: var(--green-700); }

.acc-icon {
  flex: none;
  position: relative;
  width: 14px;
  height: 14px;
}

.acc-icon::before,
.acc-icon::after {
  content: "";
  position: absolute;
  background: var(--gold);
  transition: transform 0.25s ease;
}

.acc-icon::before {
  top: 50%; left: 0;
  width: 100%; height: 2px;
  transform: translateY(-50%);
}

.acc-icon::after {
  left: 50%; top: 0;
  width: 2px; height: 100%;
  transform: translateX(-50%);
}

.acc-item.open .acc-icon::after { transform: translateX(-50%) rotate(90deg); }

.acc-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.acc-panel p {
  padding: 0 4px 24px;
  font-size: 0.92rem;
  color: var(--ink-soft);
  max-width: 720px;
}

.faq-more {
  margin: 40px 0 28px;
  font-size: 0.92rem;
  color: var(--ink-soft);
}

.faq-more a { color: var(--green-700); font-weight: 600; text-decoration: none; }
.faq-more a:hover { text-decoration: underline; }

/* ---------- Final CTA ---------- */

.final-cta {
  background: var(--green-950);
  color: var(--white);
  text-align: center;
}

.final-sub {
  max-width: 520px;
  margin: 18px auto 34px;
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.98rem;
}

.final-call {
  margin-top: 20px;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.75);
}

.final-call a {
  color: var(--white);
  font-weight: 700;
  text-decoration: none;
}
.final-call a:hover { color: var(--gold-soft); }

/* ---------- Footer ---------- */

.site-footer {
  background: var(--green-950);
  border-top: 1px solid var(--line-dark);
  color: rgba(255, 255, 255, 0.72);
  padding: 72px 0 48px;
  font-size: 0.85rem;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}

.footer-brand img { height: 44px; width: auto; margin-bottom: 18px; }

.footer-brand p { font-size: 0.85rem; line-height: 1.6; }

.footer-col h4 {
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.footer-col a,
.footer-col span {
  display: block;
  color: rgba(255, 255, 255, 0.72);
  text-decoration: none;
  margin-bottom: 10px;
  line-height: 1.5;
}

.footer-col a:hover { color: var(--gold-soft); }

.footer-divider {
  height: 1px;
  background: var(--line-dark);
  margin: 32px 0;
}

.footer-afsl { font-weight: 600; color: rgba(255, 255, 255, 0.85); margin-bottom: 14px; }

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 28px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.72);
  text-decoration: none;
}
.footer-links a:hover { color: var(--gold-soft); }

.footer-small {
  font-size: 0.76rem;
  color: rgba(255, 255, 255, 0.5);
  line-height: 1.65;
  margin-bottom: 14px;
  max-width: 880px;
}

/* ---------- Reveal on scroll ---------- */

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.visible {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- Responsive ---------- */

@media (max-width: 1020px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .lead-card { max-width: 480px; }
  .benefits-grid { grid-template-columns: 1fr; gap: 32px; }
  .who-for-grid,
  .process-grid { grid-template-columns: 1fr; gap: 40px; }
  .testimonials { grid-template-columns: 1fr 1fr; }
  .trust-item.wide { max-width: 100%; }
  .footer-top { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  .header-nav, .header-actions { display: none; }
  .nav-toggle { display: block; }
  .section { padding: 64px 0; }
  .hero { padding-top: calc(var(--header-h) + 48px); }
  .header-logo img { height: 42px; }
  .hero-stats { flex-direction: column; }
  .hero-stats .stat { padding-right: 0; }
  .hero-stats .stat + .stat {
    border-left: none;
    border-top: 1px solid rgba(255, 255, 255, 0.28);
    margin-top: 18px;
    padding: 18px 0 0;
  }
  .trust-bar-inner { gap: 12px; flex-direction: column; align-items: center; }
  .trust-grid { grid-template-columns: 1fr; }
  .testimonials { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .step { gap: 16px; }
}

/* Honeypot — visually gone, still in DOM for bots */
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.turnstile-mount {
  margin: 0 0 14px;
}

/* intl-tel-input inside the lead card */
.iti { width: 100%; }

/* Match the dial code ("+61") to the input's own type styles so the
   prefix and the typed number read as one line */
.iti__selected-dial-code {
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--ink);
}