/* ==========================================================================
   Flex Mortgage Solutions — stylesheet
   Signature element: the "flex line" — a bending path used as section
   divider + graphic motif, standing for flexible lending and echoing the
   line of the harbour bridge arch across the Sydney skyline in the footer.
   ========================================================================== */

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:var(--font-body);
  font-size:var(--step-base);
  line-height:1.6;
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:var(--teal-deep); text-decoration-thickness:1px; text-underline-offset:2px; }
a:hover{ color:var(--brass-deep); }
h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--ink);
  line-height:1.15;
  margin:0 0 .5em;
  font-weight:700;
  letter-spacing:-.015em;
}
h1{ font-size:var(--step-3xl); }
h2{ font-size:var(--step-2xl); }
h3{ font-size:var(--step-lg); }
p{ margin:0 0 1em; color:var(--ink-soft); }
ul,ol{ color:var(--ink-soft); }
:focus-visible{ outline:3px solid var(--focus); outline-offset:2px; border-radius:4px; }
.container{ max-width:var(--maxw); margin-inline:auto; padding-inline:var(--space-3); }
.visually-hidden{ position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap; }
@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; scroll-behavior:auto !important; }
}

/* Skip link */
.skip-link{
  position:absolute; left:-999px; top:0; background:var(--ink); color:var(--white);
  padding:.75em 1.2em; z-index:200; border-radius:0 0 8px 0;
}
.skip-link:focus{ left:0; }

/* ---------- Language switcher ---------- */
.lang-switch{ position:relative; }
.lang-switch button{
  background:none; border:1px solid var(--line-dark); color:var(--ink);
  font:inherit; font-size:.85rem; padding:.6rem .9rem; border-radius:999px; cursor:pointer;
  display:inline-flex; align-items:center; gap:.4em; line-height:1;
}
.lang-switch button:hover{ border-color:var(--brass); color:var(--brass-deep); }
.lang-menu{
  position:absolute; right:0; top:calc(100% + 6px); background:var(--white); color:var(--ink);
  border:1px solid var(--line); border-radius:var(--radius-sm); box-shadow:var(--shadow-md);
  list-style:none; margin:0; padding:.4rem; display:none; z-index:150;
  max-height:60vh; overflow:auto; min-width:190px;
}
.lang-switch.open .lang-menu{ display:block; }
.lang-menu li button{
  width:100%; text-align:left; background:none; border:0; color:var(--ink);
  padding:.5rem .6rem; border-radius:6px; font-size:.9rem; cursor:pointer;
}
.lang-menu li button:hover, .lang-menu li button:focus-visible{ background:var(--sandstone); }
.lang-menu li button[aria-current="true"]{ font-weight:700; color:var(--teal-deep); }

/* ---------- Header / nav ---------- */
.site-header{ background:var(--paper); border-bottom:1px solid var(--line-dark); position:sticky; top:0; z-index:100; }
.header-inner{ display:flex; align-items:center; gap:1.25rem; padding-block:.9rem; }
.brand{ display:flex; align-items:center; gap:.65rem; font-family:var(--font-display); font-weight:600; font-size:1.25rem; color:var(--ink); flex:0 0 auto; text-decoration:none; }
.brand:hover{ color:var(--ink); }
.brand-mark{ width:40px; height:40px; flex:none; }
.brand small{ display:block; font-family:var(--font-body); font-weight:500; font-size:.62rem; letter-spacing:.14em; text-transform:uppercase; color:var(--teal); text-decoration:none; }

.primary-nav{ margin-left:auto; }
.primary-nav > ul{ list-style:none; display:flex; gap:.1rem; margin:0; padding:0; align-items:center; }
.primary-nav > ul > li{ position:relative; }
.primary-nav > ul > li > a{
  display:block; padding:.6rem .7rem; color:var(--ink); font-weight:600; font-size:.92rem;
  text-decoration:none; border-radius:8px; white-space:nowrap;
}
.primary-nav > ul > li > a:hover{ background:var(--sandstone); color:var(--teal-deep); }
.primary-nav .has-sub > a::after{ content:""; display:inline-block; width:.4em; height:.4em; border-right:2px solid currentColor; border-bottom:2px solid currentColor; transform:rotate(45deg); margin-left:.45em; margin-bottom:.1em; }
.sub-menu{
  list-style:none; margin:0; padding:.5rem; position:absolute; left:0; top:100%;
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius-sm);
  box-shadow:var(--shadow-md); min-width:250px; display:none;
}
.has-sub:hover > .sub-menu, .has-sub:focus-within > .sub-menu{ display:block; }
.sub-toggle{ display:none; }
.sub-menu a{ display:block; padding:.55rem .7rem; border-radius:6px; color:var(--ink-soft); font-size:.9rem; text-decoration:none; }
.sub-menu a:hover{ background:var(--sandstone); color:var(--teal-deep); }
.header-cta{ margin-left:.5rem; flex:none; }
.nav-toggle{ display:none; }

@media (max-width: 1360px){
  .header-inner{ flex-wrap:wrap; }
  .nav-toggle{
    display:inline-flex; margin-left:auto; align-items:center; justify-content:center;
    width:42px; height:42px; border-radius:8px; border:1px solid var(--line-dark); background:var(--white); cursor:pointer;
  }
  .nav-toggle svg{ width:20px; height:20px; }
  .primary-nav{
    order:5; flex-basis:100%; margin-left:0; max-height:0; overflow:hidden; transition:max-height .3s var(--ease);
  }
  .primary-nav.open{ max-height:1400px; }
  .primary-nav > ul{ flex-direction:column; align-items:stretch; padding:.5rem 0 1rem; gap:.1rem; }
  .has-sub{ position:relative; }
  .has-sub > a{ padding-right:2.6rem; }
  .sub-toggle{ display:flex; position:absolute; right:0; top:0; width:42px; height:42px; align-items:center; justify-content:center; background:none; border:0; cursor:pointer; color:var(--ink); }
  .sub-toggle svg{ transition:transform .2s var(--ease); }
  .has-sub.sub-open > .sub-toggle svg{ transform:rotate(180deg); }
  .sub-menu{
    position:static; box-shadow:none; border:0; display:block; background:var(--sandstone); margin:0 0 .2rem .8rem;
    max-height:0; overflow:hidden; padding:0 .5rem; transition:max-height .25s var(--ease);
  }
  .has-sub.sub-open > .sub-menu{ max-height:600px; padding:.5rem; }
  .header-cta{ order:4; margin:0 0 .6rem; }
  .lang-switch{ order:3; margin:0 0 .6rem; }
  .lang-switch > button{ width:100%; justify-content:center; }
  .lang-menu{ left:0; right:0; }
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:.5em;
  font-weight:700; font-size:.95rem; padding:.75em 1.4em; border-radius:999px;
  text-decoration:none; cursor:pointer; border:1px solid transparent; transition:transform .15s var(--ease), background .15s, color .15s, border-color .15s;
  font-family:var(--font-body);
}
.btn:hover{ transform:translateY(-1px); }
.btn-brass{ background:var(--brass); color:var(--ink); }
.btn-brass:hover{ background:var(--brass-deep); color:var(--white); }
.btn-outline{ border-color:var(--ink); color:var(--ink); background:transparent; }
.btn-outline:hover{ background:var(--ink); color:var(--white); }
.btn-ghost-light{ border-color:rgba(255,255,255,.55); color:var(--white); }
.btn-ghost-light:hover{ background:var(--white); color:var(--ink); }
.btn-sm{ padding:.5em 1em; font-size:.85rem; }
.btn-block{ width:100%; }

/* ---------- Hero ---------- */
.hero{ background:linear-gradient(180deg, var(--sandstone) 0%, var(--paper) 100%); padding-block:var(--space-6) var(--space-5); position:relative; overflow:hidden; }
.hero-grid{ display:grid; grid-template-columns:1.05fr .95fr; gap:var(--space-5); align-items:center; }
.eyebrow{
  font-family:var(--font-mono); text-transform:uppercase; letter-spacing:.14em; font-size:var(--step-eyebrow);
  color:var(--teal-deep); display:inline-flex; align-items:center; gap:.6em; margin-bottom:1em;
}
.eyebrow::before{ content:""; width:1.6em; height:2px; background:var(--brass); display:inline-block; }
.hero h1{ font-size:clamp(2.3rem, 4.4vw, var(--step-3xl)); max-width:14ch; }
.hero .lede{ font-size:1.15rem; max-width:44ch; }
.hero-actions{ display:flex; gap:1rem; flex-wrap:wrap; margin-top:1.6rem; }
.hero-stats{ display:flex; gap:var(--space-4); margin-top:var(--space-4); flex-wrap:wrap; }
.hero-stats div strong{ display:block; font-family:var(--font-display); font-size:1.7rem; color:var(--teal-deep); }
.hero-stats div span{ font-size:.82rem; color:var(--ink-soft); }

/* Hero quick-estimate widget: the page's thesis in interactive form */
.quick-calc{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius-lg);
  box-shadow:var(--shadow-md); padding:var(--space-3);
}
.quick-calc h2{ font-size:1.15rem; margin-bottom:.15em; }
.quick-calc .sub{ font-size:.85rem; color:var(--ink-soft); margin-bottom:1.1rem; }
.field{ margin-bottom:1rem; }
.field label{ display:flex; justify-content:space-between; font-size:.82rem; font-weight:700; color:var(--ink); margin-bottom:.35rem; }
.field label .val{ font-family:var(--font-mono); color:var(--teal-deep); font-weight:600; }
.field input[type="number"], .field input[type="text"], .field input[type="email"], .field input[type="tel"], .field select, .field textarea{
  width:100%; padding:.65em .8em; border:1px solid var(--line-dark); border-radius:8px; font:inherit; font-size:.95rem;
  background:var(--paper); color:var(--ink);
}
.field input[type="range"]{ width:100%; accent-color:var(--teal-deep); }
.field-row{ display:grid; grid-template-columns:1fr 1fr; gap:.8rem; }
.quick-calc .result{
  background:var(--ink); color:var(--white); border-radius:var(--radius); padding:1rem 1.15rem; margin-top:.4rem;
  display:flex; justify-content:space-between; align-items:baseline; flex-wrap:wrap; gap:.4rem;
}
.quick-calc .result .amount{ font-family:var(--font-mono); font-size:1.7rem; font-weight:600; }
.quick-calc .result .label{ font-size:.78rem; text-transform:uppercase; letter-spacing:.08em; color:#BFD3D0; }
.quick-calc .disclaimer{ font-size:.72rem; color:var(--ink-soft); margin-top:.7rem; }

@media (max-width: 880px){
  .hero-grid{ grid-template-columns:1fr; }
}

/* ---------- Flex divider (signature motif) ---------- */
.flex-divider{ display:block; width:100%; height:56px; margin:0; }
.flex-divider path{ stroke:var(--brass); stroke-width:2; fill:none; }
.flex-divider.flip{ transform:scaleY(-1); }

/* ---------- Section scaffolding ---------- */
section{ padding-block:var(--space-6); }
.section-tight{ padding-block:var(--space-5); }
.section-sandstone{ background:var(--sandstone); }
.section-ink{ background:var(--ink); color:var(--white); }
.section-ink h2, .section-ink h3{ color:var(--white); }
.section-ink p{ color:#C6D6D3; }
.section-head{ max-width:60ch; margin-bottom:var(--space-4); }
.section-head.center{ margin-inline:auto; text-align:center; }

/* ---------- Cards / grids ---------- */
.grid{ display:grid; gap:var(--space-3); }
.grid-2{ grid-template-columns:repeat(2,1fr); }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-4{ grid-template-columns:repeat(4,1fr); }
@media (max-width: 980px){ .grid-3{ grid-template-columns:repeat(2,1fr);} .grid-4{ grid-template-columns:repeat(2,1fr);} }
@media (max-width: 620px){ .grid-2,.grid-3,.grid-4{ grid-template-columns:1fr; } }

.card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:var(--space-3); box-shadow:var(--shadow-sm); transition:transform .18s var(--ease), box-shadow .18s var(--ease);
}
.card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-md); }
.card .icon{ width:44px; height:44px; color:var(--teal-deep); margin-bottom:.9rem; }
.card h3{ font-size:1.1rem; margin-bottom:.4rem; }
.card p{ font-size:.92rem; margin-bottom:.9rem; }
.card-link{ font-weight:700; font-size:.88rem; text-decoration:none; display:inline-flex; align-items:center; gap:.35em; }
.card-link::after{ content:"→"; transition:transform .15s var(--ease); }
.card-link:hover::after{ transform:translateX(3px); }

/* Calculator index cards */
.calc-card .icon{ background:var(--sandstone); border-radius:10px; padding:8px; box-sizing:content-box; width:28px; height:28px; }

/* ---------- Stat strip ---------- */
.stat-strip{ background:var(--white); border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.stat-strip .container{ display:flex; flex-wrap:wrap; gap:var(--space-4); justify-content:space-between; padding-block:var(--space-4); }
.stat-strip .stat{ min-width:160px; }
.stat-strip .stat strong{ display:block; font-family:var(--font-display); font-size:2rem; color:var(--teal-deep); }
.stat-strip .stat span{ font-size:.85rem; color:var(--ink-soft); }

/* ---------- Testimonials ---------- */
.testi-track{ display:grid; grid-template-columns:repeat(3,1fr); gap:var(--space-3); }
@media (max-width: 980px){ .testi-track{ grid-template-columns:repeat(2,1fr);} }
@media (max-width: 620px){ .testi-track{ grid-template-columns:1fr;} }
.testi{ background:var(--white); border-radius:var(--radius); padding:var(--space-3); border:1px solid var(--line); }
.testi p{ font-style:italic; color:var(--ink); }
.testi footer{ display:flex; align-items:center; gap:.6rem; margin-top:.8rem; }
.testi .avatar{ width:38px; height:38px; border-radius:50%; background:var(--sandstone-2); display:flex; align-items:center; justify-content:center; font-family:var(--font-display); color:var(--teal-deep); font-weight:700; }
.testi .who strong{ display:block; font-size:.88rem; }
.testi .who span{ font-size:.78rem; color:var(--ink-soft); }

/* ---------- Blog cards ---------- */
.post-card{ display:flex; flex-direction:column; }
.post-card img{ border-radius:10px 10px 0 0; aspect-ratio:16/10; object-fit:cover; }
.post-card .body{ border:1px solid var(--line); border-top:0; border-radius:0 0 10px 10px; padding:var(--space-3); flex:1; display:flex; flex-direction:column; }
.post-meta{ font-family:var(--font-mono); font-size:.72rem; text-transform:uppercase; letter-spacing:.08em; color:var(--teal-deep); margin-bottom:.5rem; }
.post-card h3{ font-size:1.08rem; }

article.post-body{ max-width:70ch; margin-inline:auto; }
article.post-body h2{ font-size:1.5rem; margin-top:1.6em; }
article.post-body ul{ padding-left:1.2em; }
.post-hero-img{ width:100%; border-radius:var(--radius-lg); margin-bottom:var(--space-3); aspect-ratio:16/8; object-fit:cover; }
.post-header{ max-width:70ch; margin-inline:auto var(--space-3); }
.tag-pill{ display:inline-block; font-size:.72rem; font-weight:700; background:var(--sandstone); color:var(--teal-deep); padding:.3em .8em; border-radius:999px; margin-right:.4em; }

/* ---------- Table (rates, brackets) ---------- */
.table-wrap{ overflow-x:auto; border:1px solid var(--line); border-radius:var(--radius); }
table{ width:100%; border-collapse:collapse; font-size:.92rem; }
th,td{ text-align:left; padding:.75em 1em; border-bottom:1px solid var(--line); }
thead th{ background:var(--sandstone); font-family:var(--font-mono); text-transform:uppercase; font-size:.72rem; letter-spacing:.06em; }
tbody tr:last-child td{ border-bottom:0; }

/* ---------- Calculator page layout ---------- */
.calc-layout{ display:grid; grid-template-columns:1.1fr .9fr; gap:var(--space-4); align-items:start; }
@media (max-width: 880px){ .calc-layout{ grid-template-columns:1fr; } }
.calc-panel{ background:var(--white); border:1px solid var(--line); border-radius:var(--radius-lg); padding:var(--space-4); box-shadow:var(--shadow-sm); }
.calc-results{ position:sticky; top:100px; }
.result-row{ display:flex; justify-content:space-between; padding:.6em 0; border-bottom:1px solid var(--line); font-size:.95rem; }
.result-row:last-child{ border-bottom:0; }
.result-row .amount{ font-family:var(--font-mono); font-weight:700; color:var(--teal-deep); }
.result-hero{ background:var(--ink); color:var(--white); border-radius:var(--radius); padding:1.2rem; margin-bottom:1rem; }
.result-hero .amount{ font-family:var(--font-mono); font-size:2.1rem; font-weight:700; }
.result-hero .label{ font-size:.78rem; text-transform:uppercase; letter-spacing:.08em; color:#BFD3D0; }
fieldset{ border:0; padding:0; margin:0 0 1.2rem; }
legend{ font-family:var(--font-mono); text-transform:uppercase; font-size:.72rem; letter-spacing:.08em; color:var(--teal); padding:0 0 .6rem; }
.radio-row{ display:flex; gap:1.2rem; flex-wrap:wrap; }
.radio-row label{ display:flex; align-items:center; gap:.4em; font-size:.9rem; font-weight:500; color:var(--ink); }

/* ---------- Breadcrumb ---------- */
.breadcrumb{ font-size:.82rem; color:var(--ink-soft); padding-block:1rem 0; }
.breadcrumb a{ color:var(--ink-soft); }
.breadcrumb a:hover{ color:var(--teal-deep); }
.breadcrumb .sep{ margin-inline:.4em; }

/* ---------- CTA band ---------- */
.cta-band{ background:var(--teal-deep); color:var(--white); border-radius:var(--radius-lg); padding:var(--space-4); display:flex; justify-content:space-between; align-items:center; gap:var(--space-3); flex-wrap:wrap; }
.cta-band h2{ color:var(--white); font-size:1.6rem; margin-bottom:.2em; }
.cta-band p{ color:#CFE3E0; margin:0; }

/* ---------- Footer ---------- */
.site-footer{ background:var(--ink); color:#C6D6D3; padding-block:var(--space-5) var(--space-3); }
.footer-skyline{ display:block; width:100%; height:60px; color:var(--teal-deep); }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1.1fr; gap:var(--space-4); padding-block:var(--space-4); border-bottom:1px solid rgba(255,255,255,.12); }
@media (max-width: 880px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width: 560px){ .footer-grid{ grid-template-columns:1fr; } }
.site-footer h4{ color:var(--white); font-family:var(--font-body); font-size:.78rem; text-transform:uppercase; letter-spacing:.1em; margin-bottom:1rem; }
.site-footer ul{ list-style:none; margin:0; padding:0; }
.site-footer li{ margin-bottom:.55rem; }
.site-footer a{ color:#C6D6D3; text-decoration:none; font-size:.9rem; }
.site-footer a:hover{ color:var(--brass); }
.footer-brand{ display:flex; align-items:center; gap:.6rem; font-family:var(--font-display); color:var(--white); font-size:1.15rem; margin-bottom:.8rem; }
.footer-brand svg{ width:34px; height:34px; }
.footer-bottom{ display:flex; justify-content:space-between; flex-wrap:wrap; gap:.6rem; padding-top:1.1rem; font-size:.8rem; color:#93ABA7; }
.social-row{ display:flex; gap:.6rem; }
.social-row a{ width:34px; height:34px; border-radius:50%; border:1px solid rgba(255,255,255,.25); display:inline-flex; align-items:center; justify-content:center; }
.social-row svg{ width:16px; height:16px; fill:#C6D6D3; }
.social-row a:hover{ border-color:var(--brass); }
.social-row a:hover svg{ fill:var(--brass); }
.membership-row{ display:flex; gap:1.4rem; align-items:center; flex-wrap:wrap; opacity:.85; }
.membership-row span{ font-size:.78rem; border:1px solid rgba(255,255,255,.25); padding:.4em .8em; border-radius:999px; }

/* ---------- Utility ---------- */
.mt-0{ margin-top:0; } .mb-0{ margin-bottom:0; }
.text-center{ text-align:center; }
.max-60{ max-width:60ch; }
.pill-list{ display:flex; gap:.5rem; flex-wrap:wrap; list-style:none; padding:0; margin:0 0 1rem; }
.pill-list li{ background:var(--sandstone); border-radius:999px; padding:.35em .9em; font-size:.82rem; font-weight:600; color:var(--ink); }