/* ─────────────────────────────────────────────────────────────
   GoRefinance — Premium Finance Design System
   Direction: Editorial luxury · Tight · Confident · Sharp
   Fonts: Fraunces (editorial serif) + Instrument Sans (clean body)
   Palette: Near-black ink, warm white, vivid jade green accent
───────────────────────────────────────────────────────────── */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,500;0,9..144,700;1,9..144,300;1,9..144,400&family=Instrument+Sans:ital,wght@0,400;0,500;0,600;0,700;1,400&display=swap');

/* ── Tokens ─────────────────────────────────────── */
:root {
  --ink:        #0E0F0C;
  --ink-2:      #1C1E19;
  --ink-3:      #2E3129;
  --jade:       #1D9E72;
  --jade-mid:   #168057;
  --jade-dark:  #0F5C3D;
  --jade-pale:  #EAF7F1;
  --jade-glow:  rgba(29,158,114,0.12);
  --warm-white: #F8F6F0;
  --off-white:  #F0EDE5;
  --border:     #E2DDD4;
  --border-2:   #CCC7BC;
  --muted:      #7A756C;
  --muted-2:    #9E998F;
  --white:      #FFFFFF;
  --gold:       #C49A3C;
  --gold-pale:  #FDF5E4;

  --serif:  'Fraunces', Georgia, serif;
  --sans:   'Instrument Sans', system-ui, sans-serif;

  --r:    8px;
  --r-lg: 14px;
  --r-xl: 20px;

  --shadow-xs: 0 1px 2px rgba(14,15,12,0.06);
  --shadow-sm: 0 2px 8px rgba(14,15,12,0.08);
  --shadow-md: 0 6px 24px rgba(14,15,12,0.10);
  --shadow-lg: 0 16px 48px rgba(14,15,12,0.14);
  --shadow-xl: 0 32px 80px rgba(14,15,12,0.18);
}

/* ── Reset ──────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block; }
a { color: var(--jade); text-decoration: none; }
a:hover { color: var(--jade-mid); }

/* ── Typography scale ───────────────────────────── */
h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.12;
  letter-spacing: -0.02em;
  color: var(--ink);
}
h4, h5, h6 {
  font-family: var(--sans);
  font-weight: 600;
  line-height: 1.3;
  color: var(--ink);
}
h1 { font-size: clamp(2.4rem, 5.5vw, 4rem); }
h2 { font-size: clamp(1.9rem, 3.8vw, 2.8rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.05rem; }
p  { color: var(--muted); line-height: 1.75; font-size: 0.975rem; }
p + p { margin-top: 14px; }

.display { font-family: var(--serif); font-size: clamp(3rem, 7vw, 5.2rem); font-weight: 300; line-height: 1.05; letter-spacing: -0.03em; }
.display em { font-style: italic; color: var(--jade); }

/* ── Layout ─────────────────────────────────────── */
.container    { max-width: 1180px; margin: 0 auto; padding: 0 28px; }
.container-sm { max-width: 780px;  margin: 0 auto; padding: 0 28px; }
.section      { padding: 96px 0; }
.section-sm   { padding: 64px 0; }

/* ── Eyebrow label ──────────────────────────────── */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--sans); font-size: 0.72rem; font-weight: 600;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--jade);
}
.eyebrow::before {
  content: ''; display: inline-block;
  width: 20px; height: 1.5px; background: var(--jade); flex-shrink: 0;
}

/* ── Buttons ─────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 13px 26px; border-radius: var(--r); font-family: var(--sans);
  font-size: 0.88rem; font-weight: 600; cursor: pointer;
  border: none; text-decoration: none; transition: all 0.18s ease;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--jade); color: var(--white);
  box-shadow: 0 2px 12px rgba(29,158,114,0.25);
}
.btn-primary:hover {
  background: var(--jade-mid); color: var(--white);
  transform: translateY(-1px); box-shadow: 0 6px 20px rgba(29,158,114,0.32);
}
.btn-outline {
  background: transparent; color: var(--ink);
  border: 1.5px solid var(--border-2);
}
.btn-outline:hover { border-color: var(--jade); color: var(--jade); }
.btn-ghost-white {
  background: rgba(255,255,255,0.1); color: var(--white);
  border: 1px solid rgba(255,255,255,0.2); backdrop-filter: blur(4px);
}
.btn-ghost-white:hover { background: rgba(255,255,255,0.18); color: var(--white); }
.btn-white { background: var(--white); color: var(--ink); }
.btn-white:hover { background: var(--warm-white); }
.btn-lg { padding: 15px 32px; font-size: 0.93rem; }
.btn svg { width: 15px; height: 15px; flex-shrink: 0; }

/* ── Navigation ─────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(16px) saturate(1.4);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 64px;
}
.nav-logo {
  font-family: var(--serif); font-size: 1.5rem; font-weight: 400;
  color: var(--ink); letter-spacing: -0.03em; text-decoration: none;
}
.nav-logo span { color: var(--jade); font-style: italic; }
.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; }
.nav-links a {
  font-size: 0.84rem; font-weight: 500; color: var(--muted);
  transition: color 0.15s; letter-spacing: 0.01em;
}
.nav-links a:hover { color: var(--ink); }
.nav-cta {
  background: var(--ink) !important; color: var(--white) !important;
  padding: 8px 20px !important; border-radius: 6px !important;
  font-weight: 600 !important; font-size: 0.82rem !important;
  transition: background 0.15s, transform 0.12s !important;
}
.nav-cta:hover { background: var(--ink-2) !important; transform: translateY(-1px); }
.nav-mobile-toggle { display: none; background: none; border: none; cursor: pointer; }

/* ── Hero ────────────────────────────────────────── */
.hero {
  background: var(--ink);
  position: relative; overflow: hidden;
  padding: 100px 0 110px;
}
/* Grain texture overlay */
.hero::after {
  content: '';
  position: absolute; inset: 0; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.04'/%3E%3C/svg%3E");
  opacity: 0.4;
}
/* Jade radial light */
.hero::before {
  content: '';
  position: absolute; top: -30%; right: -5%;
  width: 70vw; height: 120%;
  background: radial-gradient(ellipse at 60% 40%,
    rgba(29,158,114,0.18) 0%,
    rgba(29,158,114,0.06) 40%,
    transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid; grid-template-columns: 1fr 420px;
  gap: 72px; align-items: center; position: relative; z-index: 1;
}
.hero-tag {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1px solid rgba(29,158,114,0.4);
  background: rgba(29,158,114,0.08);
  color: #5ECBA1; padding: 5px 14px; border-radius: 40px;
  font-size: 0.73rem; font-weight: 600; letter-spacing: 0.09em;
  text-transform: uppercase; margin-bottom: 24px;
}
.hero-tag span { width: 6px; height: 6px; background: var(--jade); border-radius: 50%; flex-shrink: 0; }
.hero h1 {
  color: var(--white); font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  margin-bottom: 22px; font-weight: 300;
}
.hero h1 em { color: #5ECBA1; font-style: italic; }
.hero h1 strong { font-weight: 400; }
.hero-sub {
  color: rgba(255,255,255,0.55); font-size: 1.05rem;
  line-height: 1.7; margin-bottom: 36px; max-width: 520px;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-trust {
  display: flex; flex-wrap: wrap; gap: 20px; margin-top: 40px;
  padding-top: 36px; border-top: 1px solid rgba(255,255,255,0.09);
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.8rem; color: rgba(255,255,255,0.4); font-weight: 500;
}
.hero-trust-item svg { width: 14px; height: 14px; color: var(--jade); opacity: 0.8; flex-shrink: 0; }

/* ── Lead Card ──────────────────────────────────── */
.lead-card {
  background: var(--white); border-radius: var(--r-xl);
  padding: 32px; box-shadow: var(--shadow-xl);
  position: relative; z-index: 1;
  border: 1px solid rgba(255,255,255,0.1);
}
.lead-card-title { font-family: var(--serif); font-size: 1.3rem; color: var(--ink); margin-bottom: 4px; }
.lead-card-sub { font-size: 0.8rem; color: var(--muted-2); margin-bottom: 24px; }
.form-group { margin-bottom: 13px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.form-label { display: block; font-size: 0.75rem; font-weight: 600; color: var(--muted); margin-bottom: 5px; letter-spacing: 0.03em; text-transform: uppercase; }
.form-input, .form-select {
  width: 100%; padding: 10px 13px;
  border: 1.5px solid var(--border);
  border-radius: var(--r); font-family: var(--sans); font-size: 0.9rem;
  color: var(--ink); background: var(--white); transition: border-color 0.15s;
  appearance: none;
}
.form-input:focus, .form-select:focus { outline: none; border-color: var(--jade); box-shadow: 0 0 0 3px var(--jade-glow); }
.form-input::placeholder { color: var(--muted-2); }
.form-disclaimer { font-size: 0.72rem; color: var(--muted-2); margin-top: 10px; line-height: 1.6; text-align: center; }

/* ── Ticker/Stats bar ───────────────────────────── */
.stats-bar {
  background: var(--warm-white); border-bottom: 1px solid var(--border);
  padding: 0;
}
.stats-inner {
  display: flex; justify-content: center;
  border-left: 1px solid var(--border);
}
.stat-item {
  flex: 1; display: flex; flex-direction: column; align-items: center;
  justify-content: center; padding: 22px 16px;
  border-right: 1px solid var(--border);
  max-width: 200px;
}
.stat-number {
  font-family: var(--serif); font-size: 2rem; color: var(--ink);
  line-height: 1; font-weight: 400; letter-spacing: -0.03em;
}
.stat-label { font-size: 0.73rem; color: var(--muted-2); margin-top: 4px; font-weight: 500; letter-spacing: 0.04em; text-align: center; }

/* ── Lender trust strip ─────────────────────────── */
.trust-strip {
  padding: 22px 0;
  border-bottom: 1px solid var(--border);
  background: var(--white);
}
.trust-strip-inner {
  display: flex; align-items: center; gap: 40px;
  flex-wrap: wrap; justify-content: center;
}
.trust-strip-label {
  font-size: 0.71rem; font-weight: 600; color: var(--muted-2);
  text-transform: uppercase; letter-spacing: 0.1em; white-space: nowrap;
}
.trust-lenders { display: flex; align-items: center; gap: 32px; flex-wrap: wrap; }
.trust-lender {
  font-family: var(--serif); font-size: 1.0rem; color: var(--border-2);
  letter-spacing: -0.02em; transition: color 0.2s;
}
.trust-lender:hover { color: var(--muted); }

/* ── How it works ───────────────────────────────── */
.steps {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 2px; background: var(--border); border: 1px solid var(--border);
  border-radius: var(--r-lg); overflow: hidden; margin-top: 56px;
}
.step {
  background: var(--white); padding: 40px 36px;
  transition: background 0.2s;
}
.step:hover { background: var(--warm-white); }
.step-num {
  font-family: var(--serif); font-size: 3rem; font-weight: 300;
  color: var(--border-2); line-height: 1; margin-bottom: 20px;
  letter-spacing: -0.04em;
}
.step h4 { font-size: 1rem; margin-bottom: 10px; color: var(--ink); }
.step p { font-size: 0.88rem; }

/* ── Feature grid ───────────────────────────────── */
.features {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(250px,1fr));
  gap: 1px; background: var(--border); border: 1px solid var(--border);
  border-radius: var(--r-lg); overflow: hidden; margin-top: 56px;
}
.feature-card {
  background: var(--white); padding: 36px 32px;
  transition: background 0.2s;
}
.feature-card:hover { background: var(--warm-white); }
.feature-icon {
  width: 42px; height: 42px; border-radius: var(--r);
  background: var(--jade-pale); display: flex;
  align-items: center; justify-content: center; margin-bottom: 18px;
}
.feature-icon svg { width: 20px; height: 20px; color: var(--jade); }
.feature-card h4 { font-size: 0.97rem; margin-bottom: 9px; }
.feature-card p { font-size: 0.86rem; }

/* ── Calculator ─────────────────────────────────── */
.calc-section {
  background: var(--ink); position: relative; overflow: hidden; padding: 96px 0;
}
.calc-section::before {
  content: ''; position: absolute; bottom: -20%; left: -10%;
  width: 60vw; height: 80%;
  background: radial-gradient(ellipse, rgba(29,158,114,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; position: relative; z-index: 1; }
.calc-copy h2 { color: var(--white); margin-bottom: 16px; }
.calc-copy p { color: rgba(255,255,255,0.5); }
.calc-saving-display {
  background: rgba(29,158,114,0.1); border: 1px solid rgba(29,158,114,0.25);
  border-radius: var(--r-lg); padding: 24px 28px; margin-top: 28px;
}
.calc-saving-label { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(29,158,114,0.7); margin-bottom: 4px; }
.calc-saving-total { font-family: var(--serif); font-size: 2.8rem; color: var(--white); line-height: 1; letter-spacing: -0.03em; }
.calc-saving-pa { font-size: 0.82rem; color: #5ECBA1; margin-top: 4px; }
.calc-card {
  background: var(--white); border-radius: var(--r-xl); padding: 32px;
  box-shadow: var(--shadow-lg);
}
.range-row { margin-bottom: 24px; }
.range-label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 0.78rem; font-weight: 600; color: var(--muted); margin-bottom: 8px;
  text-transform: uppercase; letter-spacing: 0.04em;
}
.range-label span { font-family: var(--serif); font-size: 1.1rem; color: var(--ink); font-weight: 400; letter-spacing: -0.02em; text-transform: none; }
input[type="range"] {
  width: 100%; height: 3px; border-radius: 2px;
  background: var(--border); appearance: none; cursor: pointer; outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none; width: 17px; height: 17px; border-radius: 50%;
  background: var(--ink); cursor: pointer;
  box-shadow: 0 0 0 3px var(--white), 0 0 0 5px var(--jade);
}
.monthly-result {
  background: var(--jade-pale); border: 1px solid rgba(29,158,114,0.2);
  border-radius: var(--r); padding: 18px; text-align: center; margin-top: 4px;
}
.monthly-label { font-size: 0.7rem; font-weight: 600; color: var(--jade-mid); text-transform: uppercase; letter-spacing: 0.08em; }
.monthly-value { font-family: var(--serif); font-size: 2.4rem; color: var(--jade-dark); line-height: 1.1; margin: 3px 0; letter-spacing: -0.03em; }
.monthly-note { font-size: 0.73rem; color: var(--jade-mid); }

/* ── Testimonials ───────────────────────────────── */
.testimonials { background: var(--warm-white); }
.testimonials-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 20px; margin-top: 52px;
}
.testimonial-card {
  background: var(--white); border-radius: var(--r-lg); padding: 32px;
  border: 1px solid var(--border); position: relative; overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.testimonial-card::before {
  content: '\201C'; font-family: var(--serif); font-size: 5rem;
  color: var(--jade); opacity: 0.15; position: absolute; top: 12px; left: 24px;
  line-height: 1; pointer-events: none;
}
.t-stars { color: #F5A623; font-size: 0.8rem; letter-spacing: 2px; margin-bottom: 14px; }
.t-text { font-size: 0.9rem; color: var(--muted); font-style: italic; line-height: 1.75; margin-bottom: 22px; }
.t-author { display: flex; align-items: center; gap: 12px; }
.t-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.8rem; flex-shrink: 0;
}
.av-a { background: #E8F4FD; color: #1A5C9A; }
.av-b { background: #F0EAFD; color: #6A1A9A; }
.av-c { background: #E8FDF4; color: #1A7A4A; }
.t-name { font-size: 0.88rem; font-weight: 600; color: var(--ink); }
.t-location { font-size: 0.75rem; color: var(--muted-2); }

/* ── FAQ ─────────────────────────────────────────── */
.faq-list { margin-top: 44px; border-top: 1px solid var(--border); }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
  width: 100%; background: none; border: none; text-align: left;
  padding: 22px 0; display: flex; justify-content: space-between;
  align-items: center; cursor: pointer; gap: 16px;
  font-family: var(--serif); font-size: 1.1rem; color: var(--ink);
  transition: color 0.15s;
}
.faq-question:hover { color: var(--jade); }
.faq-icon {
  flex-shrink: 0; width: 26px; height: 26px;
  border: 1.5px solid var(--border-2); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.2s, border-color 0.2s, transform 0.3s;
}
.faq-item.open .faq-icon {
  background: var(--jade); border-color: var(--jade); transform: rotate(45deg);
}
.faq-item.open .faq-icon svg { color: white; }
.faq-icon svg { width: 11px; height: 11px; color: var(--muted); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.38s ease; }
.faq-answer-inner { padding: 0 0 24px; }
.faq-answer-inner p { font-size: 0.93rem; }

/* ── Suburb hero ─────────────────────────────────── */
.suburb-hero {
  background: var(--ink); padding: 72px 0 80px;
  position: relative; overflow: hidden;
}
.suburb-hero::after {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.04'/%3E%3C/svg%3E");
  opacity: 0.35;
}
.suburb-hero::before {
  content: ''; position: absolute; top: -40%; right: -5%;
  width: 60vw; height: 120%;
  background: radial-gradient(ellipse at 65% 45%, rgba(29,158,114,0.15) 0%, transparent 65%);
}
.breadcrumb {
  display: flex; align-items: center; gap: 8px; margin-bottom: 24px;
  position: relative; z-index: 1; flex-wrap: wrap;
}
.breadcrumb a { font-size: 0.78rem; color: rgba(255,255,255,0.4); font-weight: 500; }
.breadcrumb a:hover { color: rgba(255,255,255,0.75); }
.breadcrumb-sep { color: rgba(255,255,255,0.2); font-size: 0.75rem; }
.breadcrumb-current { font-size: 0.78rem; color: rgba(255,255,255,0.65); font-weight: 500; }
.suburb-hero-inner {
  display: grid; grid-template-columns: 1fr 400px;
  gap: 56px; align-items: start; position: relative; z-index: 1;
}
.suburb-tag {
  display: inline-block; background: rgba(29,158,114,0.12);
  border: 1px solid rgba(29,158,114,0.3); color: #5ECBA1;
  font-size: 0.73rem; font-weight: 600; letter-spacing: 0.09em;
  text-transform: uppercase; padding: 4px 12px; border-radius: 4px; margin-bottom: 18px;
}
.suburb-hero h1 { color: var(--white); margin-bottom: 16px; font-weight: 300; }
.suburb-hero h1 em { color: #5ECBA1; }
.suburb-hero .lead { color: rgba(255,255,255,0.55); font-size: 1rem; max-width: 560px; margin-bottom: 28px; line-height: 1.75; }
.rate-badges { display: flex; flex-wrap: wrap; gap: 10px; }
.rate-badge {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--r); padding: 12px 18px;
  backdrop-filter: blur(4px);
}
.rate-badge-label { font-size: 0.68rem; font-weight: 600; color: rgba(255,255,255,0.4); text-transform: uppercase; letter-spacing: 0.07em; }
.rate-badge-value { font-family: var(--serif); font-size: 1.4rem; color: var(--white); line-height: 1.15; margin-top: 2px; letter-spacing: -0.02em; }
.rate-badge-sub { font-size: 0.7rem; color: #5ECBA1; margin-top: 1px; font-weight: 500; }

/* ── Suburb content ──────────────────────────────── */
.suburb-content { padding: 72px 0; }
.suburb-grid { display: grid; grid-template-columns: 1fr 340px; gap: 64px; align-items: start; }
.suburb-body h2 { margin-bottom: 16px; }
.suburb-body h3 { font-size: 1.2rem; margin: 36px 0 12px; }
.suburb-body p { margin-bottom: 14px; }
.suburb-body ul { margin: 12px 0 20px 20px; }
.suburb-body ul li { font-size: 0.9rem; color: var(--muted); margin-bottom: 8px; line-height: 1.65; }
.suburb-body ul li strong { color: var(--ink); }

.info-table { width: 100%; margin: 24px 0; border-collapse: collapse; }
.info-table tr { border-bottom: 1px solid var(--border); }
.info-table tr:last-child { border-bottom: none; }
.info-table td { padding: 11px 0; font-size: 0.875rem; }
.info-table td:first-child { color: var(--muted); }
.info-table td:last-child { color: var(--ink); font-weight: 600; text-align: right; }

/* ── Sticky sidebar ──────────────────────────────── */
.sticky-card { position: sticky; top: 80px; }
.sticky-lead-card {
  background: var(--white); border-radius: var(--r-xl);
  padding: 28px; border: 1px solid var(--border); box-shadow: var(--shadow-md);
}
.sticky-lead-card h4 { font-family: var(--serif); font-size: 1.2rem; margin-bottom: 4px; }
.sticky-lead-card .sub {
  font-size: 0.78rem; color: var(--muted-2); margin-bottom: 20px;
  padding-bottom: 20px; border-bottom: 1px solid var(--border);
}
.rate-display { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 18px; }
.rate-box { background: var(--warm-white); border-radius: var(--r); padding: 14px; text-align: center; border: 1px solid var(--border); }
.rate-box-label { font-size: 0.68rem; font-weight: 600; color: var(--muted-2); text-transform: uppercase; letter-spacing: 0.07em; }
.rate-box-val { font-family: var(--serif); font-size: 1.6rem; color: var(--ink); letter-spacing: -0.03em; }
.rate-box-type { font-size: 0.68rem; color: var(--jade); font-weight: 600; }
.checklist { list-style: none; padding: 0; margin: 16px 0 0; }
.checklist li {
  font-size: 0.83rem; color: var(--muted); padding: 5px 0;
  display: flex; gap: 9px; align-items: flex-start; line-height: 1.5;
}
.checklist li::before {
  content: ''; width: 15px; height: 15px; background: var(--jade-pale);
  border-radius: 50%; flex-shrink: 0; margin-top: 1px;
  background-image: url("data:image/svg+xml,%3Csvg width='10' height='10' viewBox='0 0 10 10' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1.5 5l2.5 2.5 4.5-4.5' stroke='%231D9E72' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: center;
}

/* ── CTA section ─────────────────────────────────── */
.cta-section { background: var(--jade); padding: 80px 0; text-align: center; position: relative; overflow: hidden; }
.cta-section::before {
  content: ''; position: absolute; top: -60%; left: 50%; transform: translateX(-50%);
  width: 800px; height: 800px; border-radius: 50%;
  background: rgba(255,255,255,0.06); pointer-events: none;
}
.cta-section h2 { color: var(--white); margin-bottom: 14px; }
.cta-section p { color: rgba(255,255,255,0.75); max-width: 480px; margin: 0 auto 32px; }

/* ── Footer ──────────────────────────────────────── */
footer {
  background: var(--ink-2); padding: 72px 0 36px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }
.footer-logo { font-family: var(--serif); font-size: 1.4rem; color: var(--white); letter-spacing: -0.03em; margin-bottom: 14px; }
.footer-logo span { color: var(--jade); font-style: italic; }
.footer-desc { color: rgba(255,255,255,0.35); font-size: 0.83rem; line-height: 1.75; max-width: 260px; }
.footer-col h5 {
  color: rgba(255,255,255,0.9); font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { color: rgba(255,255,255,0.38); font-size: 0.84rem; transition: color 0.15s; }
.footer-col ul li a:hover { color: rgba(255,255,255,0.75); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07); padding-top: 28px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px;
}
.footer-copy { font-size: 0.76rem; color: rgba(255,255,255,0.25); }
.footer-asic { font-size: 0.72rem; color: rgba(255,255,255,0.2); text-align: right; max-width: 480px; line-height: 1.5; }

/* ── Locations grid (all-locations page) ─────────── */
.location-card {
  display: block; padding: 20px 22px;
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--r-lg); text-decoration: none;
  transition: all 0.18s ease;
}
.location-card:hover { border-color: var(--jade); background: var(--jade-pale); transform: translateY(-1px); box-shadow: var(--shadow-sm); }
.location-card-name { font-family: var(--serif); font-size: 1.05rem; color: var(--ink); margin-bottom: 4px; letter-spacing: -0.01em; }
.location-card-meta { font-size: 0.74rem; color: var(--jade); font-weight: 600; }
.locations-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px,1fr)); gap: 10px; margin-top: 24px; }

/* ── Section header ──────────────────────────────── */
.section-header { max-width: 580px; margin: 0 auto; text-align: center; }
.section-header p { margin-top: 14px; font-size: 1rem; }

/* ── Utility ─────────────────────────────────────── */
.text-center { text-align: center; }
.text-white  { color: var(--white) !important; }
.text-jade   { color: var(--jade) !important; }
.tag {
  display: inline-block; padding: 3px 10px; border-radius: 4px;
  font-size: 0.73rem; font-weight: 600; letter-spacing: 0.04em;
  background: var(--jade-pale); color: var(--jade);
}

/* ── Page load fade-in ───────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero-inner > *:first-child { animation: fadeUp 0.55s ease both; }
.hero-inner > *:last-child  { animation: fadeUp 0.55s 0.12s ease both; }

/* ── Responsive ──────────────────────────────────── */
@media (max-width: 980px) {
  .hero-inner        { grid-template-columns: 1fr; }
  .calc-grid         { grid-template-columns: 1fr; }
  .suburb-hero-inner { grid-template-columns: 1fr; }
  .suburb-grid       { grid-template-columns: 1fr; }
  .sticky-card       { position: static; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid       { grid-template-columns: 1fr 1fr; }
  .steps             { grid-template-columns: 1fr; }
  .stats-inner       { flex-wrap: wrap; }
  .stat-item         { max-width: 50%; }
}
@media (max-width: 620px) {
  .nav-links         { display: none; }
  .nav-mobile-toggle { display: flex; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-grid       { grid-template-columns: 1fr; }
  .form-row          { grid-template-columns: 1fr; }
  .hero              { padding: 72px 0 80px; }
  .section           { padding: 64px 0; }
  .rate-badges       { gap: 8px; }
  .suburb-content    { padding: 52px 0; }
  .hero h1           { font-size: 2.4rem; }
}