/* -------------------------------------------------------------
   Asset Wise Financials - Brand Redesign Core Stylesheet
   Designed to align with Trail Safe visual identity
   ------------------------------------------------------------- */

/* Custom Typography Imports */
@import url('https://fonts.googleapis.com/css2?family=Open+Sans:wght@300;400;500;600;700&family=Poppins:wght@300;400;500;600;700;800&family=Raleway:wght@400;500;600;700;800&display=swap');

:root {
    /* Color Tokens - 60-25-10-5 Rule (Closer to live AssetWise colors) */
    --color-primary-dark: #1B4183;    /* 60% Dark background panels (Live Brand Blue) */
    --color-secondary-dark: #143266;  /* Deepest navy accent (Live Dark Blue) */
    --color-accent-green: #2E8E4D;    /* 10% Accent (Eucalyptus Grass Green) */
    --color-accent-hover: #24733E;    /* Polished green hover */
    --color-bg-light: #F6F6F6;        /* 25% Soft light neutral background (Live Off-White) */
    --color-card-bg: #FFFFFF;         /* Premium white card panels */
    --color-accent-muted: #555487;    /* 5% Soft muted purple/blue (from live site) */
    --color-accent-sage-light: #E6F3EB; /* Dynamic soft green bg tint */
    --color-border: #E2E8F0;          /* Clean grey dividers */
    
    /* Typography Tokens */
    --font-headings: 'Poppins', system-ui, sans-serif;
    --font-body: 'Open Sans', system-ui, sans-serif;
    --font-logo: 'Raleway', 'Poppins', system-ui, sans-serif;
    
    /* Layout Tokens */
    --max-width: 1200px;
    --border-radius-sm: 4px;
    --border-radius-md: 12px;
    --border-radius-lg: 24px;
    --transition-smooth: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --box-shadow-premium: 0 10px 30px -10px rgba(27, 65, 131, 0.08);
    --box-shadow-hover: 0 20px 40px -15px rgba(27, 65, 131, 0.15);
}

/* Reset & Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    background-color: var(--color-bg-light);
    color: #334155;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

/* Typography Elements */
h1, h2, h3, h4 {
    font-family: var(--font-headings);
    color: var(--color-primary-dark);
    font-weight: 700;
}

p {
    font-size: 1.05rem;
    color: #475569;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition-smooth);
}

/* Layout Utilities */
.container {
    width: 100%;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 24px;
}

.section {
    padding: 45px 0;
}

.section-dark {
    background-color: var(--color-primary-dark);
    color: var(--color-bg-light);
}

.section-dark h2, .section-dark h3 {
    color: #FFFFFF;
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 30px auto;
}

.section-header h2 {
    font-size: 2.5rem;
    margin-bottom: 16px;
    position: relative;
}

.section-header p {
    font-size: 1.15rem;
}

/* Buttons & Interactive Elements */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    font-family: var(--font-body);
    font-weight: 500;
    font-size: 0.95rem;
    border-radius: 30px;
    cursor: pointer;
    transition: var(--transition-smooth);
    border: none;
}

.btn-primary {
    background-color: var(--color-accent-green);
    color: #FFFFFF;
}

.btn-primary:hover {
    background-color: var(--color-accent-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px -6px rgba(46, 125, 92, 0.4);
}

.btn-secondary {
    background-color: transparent;
    color: var(--color-primary-dark);
    border: 2px solid var(--color-primary-dark);
}

.btn-secondary:hover {
    background-color: var(--color-primary-dark);
    color: #FFFFFF;
    transform: translateY(-2px);
}

.btn-outline-white {
    background-color: transparent;
    color: #FFFFFF;
    border: 2px solid rgba(255, 255, 255, 0.3);
}

.btn-outline-white:hover {
    border-color: #FFFFFF;
    background-color: rgba(255, 255, 255, 0.05);
    transform: translateY(-2px);
}

/* Navbar / Header */
.header {
    background-color: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--color-border);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition-smooth);
}

.nav-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 90px;
}

/* Logo styling matching Live Website */
.logo {
    display: inline-flex;
    align-items: center;
    text-decoration: none;
}

.brand-logo-img {
    height: 48px;
    width: auto;
    object-fit: contain;
    display: block;
    transition: var(--transition-smooth);
}

.logo:hover .brand-logo-img {
    transform: scale(1.03);
}

.brand-logo-img-footer {
    height: 46px;
    background-color: #FFFFFF;
    padding: 6px 14px;
    border-radius: 8px;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.2);
}

.nav-menu {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 32px;
}

.nav-link {
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 500;
    color: #475569;
    position: relative;
    padding: 8px 0;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--color-accent-green);
    transition: var(--transition-smooth);
}

.nav-link:hover {
    color: var(--color-primary-dark);
}

.nav-link:hover::after {
    width: 100%;
}

.nav-cta {
    display: flex;
    align-items: center;
    gap: 16px;
}

.contact-phone {
    font-weight: 600;
    color: var(--color-primary-dark);
    font-size: 0.95rem;
}

/* Hero Section with custom tailored family header image */
.hero {
    position: relative;
    background-color: #11264F;
    background-image: linear-gradient(to right, #11264F 0%, #11264F 38%, rgba(17, 38, 79, 0.7) 44%, rgba(17, 38, 79, 0) 50%), 
                      url('family-header-hero-custom.png');
    background-repeat: no-repeat;
    background-position: center center;
    background-size: cover;
    overflow: hidden;
    padding: 120px 0 0 0;
}

/* Horizontal Glassmorphism Banner running along bottom of hero */
.hero-strip-banner {
    background: rgba(17, 38, 79, 0.85);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding: 20px 0;
    margin-top: 45px;
    position: relative;
    z-index: 2;
}

.strip-banner-grid {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 24px;
    flex-wrap: nowrap; /* Forces all points on the same row on desktop */
}

.strip-item {
    display: flex;
    align-items: center;
    gap: 12px;
    color: #FFFFFF;
    font-weight: 500;
    font-size: 0.95rem;
    transition: var(--transition-smooth);
}

.strip-item:hover {
    transform: translateY(-1px);
}

.strip-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 26px;
    height: 26px;
    min-width: 26px;
    min-height: 26px;
    flex-shrink: 0;
    aspect-ratio: 1 / 1;
    background-color: var(--color-accent-green);
    color: #FFFFFF;
    border-radius: 50%;
    font-size: 0.85rem;
    font-weight: 700;
}

.hero-grid {
    display: block;
    width: 100%;
}

.hero-content {
    max-width: 500px;
    margin-left: 0;
}

.hero-family-img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    object-position: center 25%;
    display: block;
}

.badge {
    display: inline-flex;
    align-items: center;
    padding: 6px 16px;
    background-color: rgba(57, 181, 73, 0.2); /* Translucent live brand green */
    color: #FFFFFF; /* High contrast white text */
    border: 1px solid var(--color-accent-green); /* Solid live brand green border */
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 24px;
}

.hero-title {
    font-size: 3.5rem;
    line-height: 1.15;
    color: #FFFFFF;
    margin-bottom: 24px;
}

.hero-description {
    font-size: 1.2rem;
    color: #94A3B8;
    margin-bottom: 40px;
}

.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-card {
    background: rgba(255, 255, 255, 0.03);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--border-radius-lg);
    padding: 40px;
    box-shadow: 0 30px 60px -20px rgba(0, 0, 0, 0.4);
    position: relative;
    z-index: 1;
}

.hero-card h3 {
    font-size: 1.6rem;
    color: #FFFFFF;
    margin-bottom: 12px;
}

.hero-card p {
    color: #94A3B8;
    font-size: 0.95rem;
    margin-bottom: 24px;
}

.hero-features {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.hero-feature-item {
    display: flex;
    align-items: center;
    gap: 12px;
    color: #FFFFFF;
    font-weight: 500;
}

.hero-feature-icon {
    width: 24px;
    height: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background-color: var(--color-accent-green);
    color: #FFFFFF;
    font-weight: 700;
    font-size: 0.8rem;
    box-shadow: 0 2px 8px rgba(46, 142, 77, 0.4);
    flex-shrink: 0;
}

/* Specialties Section */
.specialties-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 30px;
}

.specialty-card {
    background-color: var(--color-card-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 40px 30px;
    transition: var(--transition-smooth);
    box-shadow: var(--box-shadow-premium);
    position: relative;
    overflow: hidden;
}

.specialty-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background-color: transparent;
    transition: var(--transition-smooth);
}

.specialty-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--box-shadow-hover);
    border-color: rgba(46, 125, 92, 0.15);
}

.specialty-card:hover::before {
    background-color: var(--color-accent-green);
}

.specialty-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background-color: var(--color-accent-sage-light);
    color: var(--color-accent-green);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    transition: var(--transition-smooth);
    box-shadow: 0 4px 12px rgba(46, 142, 77, 0.08);
}

.specialty-icon svg {
    width: 32px;
    height: 32px;
    stroke: var(--color-accent-green);
    transition: var(--transition-smooth);
}

.specialty-card:hover .specialty-icon {
    background-color: var(--color-accent-green);
    color: #FFFFFF;
    transform: scale(1.05);
}

.specialty-card:hover .specialty-icon svg {
    stroke: #FFFFFF;
}

.specialty-card h3 {
    font-size: 1.35rem;
    margin-bottom: 12px;
}

.specialty-card p {
    font-size: 0.95rem;
}

/* Prominent Free Rate Assessment CTA Section */
.rate-assessment-card {
    background: #FFFFFF;
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-lg);
    padding: 36px 40px;
    box-shadow: var(--box-shadow-premium);
    position: relative;
    overflow: hidden;
}

.rate-assessment-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 6px;
    height: 100%;
    background-color: var(--color-accent-green);
}

.rate-assessment-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: flex-start;
}

.assessment-info {
    padding-top: 6px;
}

.assessment-info .badge {
    background-color: rgba(27, 65, 131, 0.15);
    color: var(--color-primary-dark);
    border: 1px solid rgba(27, 65, 131, 0.3);
    font-weight: 700;
    margin-bottom: 16px;
    box-shadow: none;
}

.assessment-info h2 {
    font-size: 2.2rem;
    color: var(--color-primary-dark);
    margin-bottom: 16px;
    line-height: 1.2;
}

.assessment-info p {
    color: #475569;
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 24px;
}

.assessment-highlights {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.highlight-item {
    display: flex;
    align-items: center;
    gap: 14px;
    font-weight: 600;
    color: var(--color-primary-dark);
    font-size: 0.95rem;
}

.highlight-icon {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background-color: var(--color-accent-green);
    color: #FFFFFF;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    font-weight: 700;
    flex-shrink: 0;
}

.assessment-form-wrapper {
    background-color: #FFFFFF;
    border: 1px solid rgba(46, 142, 77, 0.2);
    border-top: 4px solid var(--color-accent-green);
    border-radius: var(--border-radius-md);
    padding: 36px 32px;
    box-shadow: 0 20px 40px -15px rgba(0, 0, 0, 0.08);
}

.assessment-form h4 {
    font-size: 1.4rem;
    color: var(--color-primary-dark);
    margin-bottom: 8px;
}

.form-subtext {
    font-size: 0.9rem;
    color: #64748B;
    margin-bottom: 24px;
}

.form-input-lg,
.form-select-lg {
    padding: 14px 18px;
    font-size: 1rem;
    border: 1.5px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    width: 100%;
    font-family: var(--font-body);
    color: var(--color-primary-dark);
    background-color: #FFFFFF;
    transition: var(--transition-smooth);
}

.form-input-lg:focus,
.form-select-lg:focus {
    outline: none;
    border-color: var(--color-accent-green);
    box-shadow: 0 0 0 3px rgba(46, 142, 77, 0.15);
}

.btn-lg {
    padding: 16px 28px;
    font-size: 1.05rem;
    font-weight: 700;
    margin-top: 10px;
}

.form-privacy-note {
    font-size: 0.8rem;
    color: #64748B;
    text-align: center;
    margin-top: 14px;
}

/* Consumer Promise Panel */
.integration-card {
    background: linear-gradient(135deg, var(--color-secondary-dark) 0%, var(--color-primary-dark) 100%);
    border-radius: var(--border-radius-lg);
    padding: 60px;
    color: #FFFFFF;
    position: relative;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.05);
}

.integration-card::before {
    content: '';
    position: absolute;
    bottom: 0;
    right: 0;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(46, 125, 92, 0.12) 0%, rgba(11, 27, 61, 0) 70%);
    pointer-events: none;
}

.integration-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.integration-badge {
    display: inline-flex;
    align-items: center;
    padding: 6px 16px;
    background-color: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.1);
    color: #94A3B8;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 24px;
}

.integration-title {
    font-size: 2.2rem;
    color: #FFFFFF;
    margin-bottom: 20px;
}

.integration-desc {
    color: #94A3B8;
    margin-bottom: 30px;
}

.integration-points {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}

.integration-point-item {
    display: flex;
    gap: 16px;
}

.integration-point-num {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background-color: var(--color-accent-green); /* Solid brand green for high visibility */
    color: #FFFFFF; /* High contrast white text */
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    box-shadow: 0 4px 10px rgba(57, 181, 73, 0.3);
}

.integration-point-content h4 {
    color: #FFFFFF;
    font-size: 1.1rem;
    margin-bottom: 4px;
}

.integration-point-content p {
    color: #94A3B8;
    font-size: 0.9rem;
}

/* Lenders Section */
.lender-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
    gap: 20px;
    align-items: stretch;
}

.lender-card {
    height: 84px;
    width: 100%;
    box-sizing: border-box;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--color-card-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 14px 20px;
    box-shadow: var(--box-shadow-premium);
    transition: var(--transition-smooth);
    overflow: hidden;
}

.lender-card img {
    max-width: 140px;
    max-height: 48px;
    width: auto;
    height: auto;
    object-fit: contain;
    filter: none;
    opacity: 1;
    transition: var(--transition-smooth);
}

/* Optical weight balance for wide horizontal logos */
.lender-card img[src*="blob-9db3069"],
.lender-card img[src*="blob-d5dbab4"],
.lender-card img[src*="cba.png"] {
    max-height: 52px;
    max-width: 150px;
    transform: scale(1.15);
}

/* Extra boost for Westpac & Macquarie thin-line logos */
.lender-card img[src*="blob-b5e6e23"],
.lender-card img[src*="blob-ca0bc4f"] {
    max-height: 60px;
    max-width: 165px;
    transform: scale(1.35);
}

.lender-card:hover {
    border-color: var(--color-accent-green);
    transform: translateY(-3px);
    box-shadow: var(--box-shadow-hover);
}

.lender-card:hover img {
    transform: scale(1.05);
}

.lender-more-card {
    background-color: var(--color-card-bg);
    border: 1px solid var(--color-border);
    text-align: center;
    padding: 0;
}

.lender-more-card a {
    text-decoration: none;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    height: 100%;
    padding: 14px 16px;
    box-sizing: border-box;
}

.lender-more-card span {
    font-family: var(--font-headings);
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--color-primary-dark);
    line-height: 1.2;
    transition: var(--transition-smooth);
}

.lender-more-card:hover {
    background-color: var(--color-primary-dark);
    border-color: var(--color-primary-dark);
    transform: translateY(-3px);
    box-shadow: var(--box-shadow-hover);
}

.lender-more-card:hover span {
    color: #FFFFFF;
}

/* FAQ Accordion Section */
.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.faq-item {
    background-color: var(--color-card-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    overflow: hidden;
    transition: var(--transition-smooth);
}

.faq-question {
    width: 100%;
    padding: 24px 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: var(--font-headings);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--color-primary-dark);
}

.faq-icon {
    font-size: 1.2rem;
    color: var(--color-accent-green);
    transition: var(--transition-smooth);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, opacity 0.3s ease;
    opacity: 0;
    background-color: #FAFBFB;
}

.faq-answer-inner {
    padding: 0 30px 24px 30px;
    color: #475569;
    font-size: 0.98rem;
    line-height: 1.6;
}

.faq-item.active {
    border-color: var(--color-accent-green);
    box-shadow: var(--box-shadow-hover);
}

.faq-item.active .faq-answer {
    max-height: 500px;
    opacity: 1;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
    color: var(--color-primary-dark);
}

/* Contact Footer & Legal Declarations */
.footer {
    background-color: #0F172A;
    color: #E2E8F0;
    padding: 50px 0 30px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr repeat(3, 0.86fr);
    gap: 48px;
    margin-bottom: 40px;
}

.footer-brand {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer .logo-text {
    color: #FFFFFF;
}

.brand-logo-img-footer {
    height: 42px;
    background-color: #FFFFFF;
    padding: 6px 14px;
    border-radius: 8px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    display: inline-block;
}

.footer-desc {
    font-size: 0.92rem;
    line-height: 1.6;
    color: #CBD5E1;
}

.footer-links-title {
    color: #FFFFFF;
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 18px;
    letter-spacing: 0.5px;
}

.footer-links-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
    padding: 0;
    margin: 0;
}

.footer-link {
    font-size: 0.9rem;
    color: #CBD5E1;
    transition: var(--transition-smooth);
}

.footer-link:hover {
    color: var(--color-accent-green);
    transform: translateX(3px);
}

.footer-contact-item {
    font-size: 0.9rem;
    color: #CBD5E1;
    line-height: 1.6;
}

.footer-contact-item strong {
    color: #FFFFFF;
}

.footer-contact-item a {
    color: #CBD5E1;
}

.footer-contact-item a:hover {
    color: var(--color-accent-green);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 30px;
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.legal-box {
    background-color: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--border-radius-sm);
    padding: 18px 22px;
    font-size: 0.82rem;
    line-height: 1.65;
    color: #94A3B8;
}

.legal-box strong {
    color: #F1F5F9;
}

/* Main Lead Capture Form Section */
.enquiry-box {
    background-color: var(--color-card-bg);
    border-radius: var(--border-radius-lg);
    box-shadow: var(--box-shadow-premium);
    border: 1px solid var(--color-border);
    padding: 36px 40px;
    overflow: hidden;
}

.enquiry-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: flex-start;
}

.enquiry-info h2 {
    font-size: 2.2rem;
    color: var(--color-primary-dark);
    margin-bottom: 16px;
    line-height: 1.2;
}

.enquiry-info p {
    color: #475569;
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 24px;
}

.enquiry-benefits {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.enquiry-benefit-item {
    display: flex;
    align-items: center;
    gap: 14px;
    font-weight: 600;
    color: var(--color-primary-dark);
    font-size: 0.95rem;
}

.benefit-icon {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background-color: var(--color-accent-green);
    color: #FFFFFF;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    font-weight: 700;
    flex-shrink: 0;
}

.enquiry-form-card {
    background-color: #FFFFFF;
    border: 1px solid rgba(46, 142, 77, 0.2);
    border-top: 4px solid var(--color-accent-green);
    border-radius: var(--border-radius-md);
    padding: 36px 32px;
    box-shadow: 0 20px 40px -15px rgba(0, 0, 0, 0.08);
}

/* Responsiveness adjustments */
@media (max-width: 992px) {
    .hero-grid, .calc-grid, .integration-grid, .footer-grid, .rate-assessment-grid, .enquiry-grid {
        grid-template-columns: 1fr !important;
        gap: 32px;
    }
    
    .rate-assessment-card, .enquiry-box {
        padding: 28px 20px;
    }

    .assessment-form-wrapper, .enquiry-form-card {
        padding: 24px 20px;
    }
    
    .hero {
        padding: 80px 0 0 0;
        background: linear-gradient(to bottom, rgba(27, 65, 131, 0.96) 25%, rgba(27, 65, 131, 0.85) 65%, rgba(27, 65, 131, 0.7) 100%), 
                    url('family-header.png') no-repeat center center / cover;
    }
    
    .strip-banner-grid {
        flex-direction: column;
        align-items: flex-start;
        gap: 16px;
    }
    
    .hero-strip-banner {
        margin-top: 40px;
        padding: 20px 0;
    }
    
    .hero-title {
        font-size: 2.8rem;
    }
}

@media (max-width: 768px) {
    .nav-menu, .nav-cta .btn {
        display: none;
    }
    
    .section {
        padding: 40px 0;
    }
    
    .section-header h2 {
        font-size: 2rem;
    }
    
    .calculator-box {
        padding: 20px;
    }

    .calculator-tabs-nav {
        flex-direction: column;
        align-items: stretch;
        gap: 10px;
    }

    .calc-tab-btn {
        width: 100%;
        justify-content: center;
    }
    
    .form-row.split {
        flex-direction: column;
        gap: 16px;
    }
    
    .quick-form-input-group {
        flex-direction: column;
        gap: 12px;
    }
    
    .btn-block {
        width: 100%;
        text-align: center;
        white-space: normal;
    }
}



/* Quick Email Capture Container */
.quick-email-capture {
    margin-top: 40px;
    padding: 30px;
    background-color: var(--color-card-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    box-shadow: var(--box-shadow-premium);
    text-align: center;
}

.quick-form {
    max-width: 650px;
    margin: 0 auto;
}

.quick-form-title {
    font-weight: 600;
    color: var(--color-primary-dark);
    margin-bottom: 16px;
    font-size: 1rem;
}

.quick-form-input-group {
    display: flex;
    gap: 12px;
    margin-bottom: 12px;
}

.quick-email-input {
    flex: 1;
    padding: 14px 20px;
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    font-size: 0.95rem;
    color: var(--color-primary-dark);
    font-family: var(--font-body);
    transition: var(--transition-smooth);
}

.quick-email-input:focus {
    outline: none;
    border-color: var(--color-accent-green);
    box-shadow: 0 0 0 3px rgba(57, 181, 73, 0.15);
}

.quick-form-disclaimer {
    font-size: 0.8rem;
    color: #64748B;
}



.form-row {
    margin-bottom: 20px;
}

.form-row.split {
    display: flex;
    gap: 16px;
}

.form-row.split .form-field {
    flex: 1;
}

.form-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-field label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--color-primary-dark);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.form-field input,
.form-field select,
.form-field textarea {
    padding: 12px 16px;
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--color-primary-dark);
    background-color: #FFFFFF;
    transition: var(--transition-smooth);
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
    outline: none;
    border-color: var(--color-accent-green);
    box-shadow: 0 0 0 3px rgba(57, 181, 73, 0.15);
}

.btn-block {
    width: 100%;
    padding: 14px;
    font-size: 1rem;
    margin-top: 10px;
}

.form-success-banner {
    background-color: #DEF7EC;
    color: #03543F;
    border: 1px solid #BCF0DA;
    border-radius: var(--border-radius-sm);
    padding: 16px;
    font-weight: 600;
    font-size: 0.95rem;
    margin-top: 20px;
    text-align: center;
    line-height: 1.4;
}

/* Lender Footer Note */
.lender-footer-note {
    margin-top: 30px;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
    font-size: 0.95rem;
    color: #64748B;
    font-weight: 500;
}

.lender-footer-link {
    color: var(--color-accent-green);
    text-decoration: none;
    font-weight: 600;
    transition: var(--transition-smooth);
    border-bottom: 1px solid transparent;
    padding-bottom: 2px;
}

.lender-footer-link:hover {
    color: var(--color-accent-hover);
    border-color: var(--color-accent-hover);
}

/* Navigation Dropdown Menu */
.nav-dropdown-item {
    position: relative;
}

.nav-dropdown-toggle {
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.dropdown-caret {
    font-size: 0.75rem;
    transition: transform 0.2s ease;
}

.nav-dropdown-item:hover .dropdown-caret {
    transform: rotate(180deg);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 230px;
    background-color: #FFFFFF;
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    box-shadow: 0 10px 25px rgba(0,0,0,0.1);
    list-style: none;
    padding: 8px 0;
    margin: 8px 0 0 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all 0.2s ease-in-out;
    z-index: 1000;
}

.nav-dropdown-item:hover .dropdown-menu,
.nav-dropdown-item:focus-within .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-link {
    display: block;
    padding: 10px 20px;
    color: var(--color-primary-dark);
    font-weight: 500;
    font-size: 0.95rem;
    text-decoration: none;
    transition: background-color 0.2s ease, color 0.2s ease;
}

.dropdown-link:hover {
    background-color: var(--color-bg-light);
    color: var(--color-accent-green);
}

/* Process Tabs Styling */
.journey-tabs-v2 {
    display: flex;
    justify-content: center;
    gap: 15px;
    border-bottom: 2px solid var(--color-border);
    margin-bottom: 45px;
    overflow-x: auto;
    scrollbar-width: none;
}
.journey-tabs-v2::-webkit-scrollbar {
    display: none;
}
.tab-btn-v2 {
    background: none;
    border: none;
    padding: 15px 25px;
    font-family: var(--font-headings);
    font-size: 1.05rem;
    font-weight: 600;
    color: #475569;
    cursor: pointer;
    position: relative;
    transition: var(--transition-smooth);
}
.tab-btn-v2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    width: 0;
    height: 3px;
    background-color: var(--color-accent-green);
    transition: var(--transition-smooth);
    transform: translateX(-50%);
}
.tab-btn-v2:hover {
    color: var(--color-primary-dark);
}
.tab-btn-v2.active {
    color: var(--color-primary-dark);
    font-weight: 700;
}
.tab-btn-v2.active::after {
    width: 80%;
}
.process-display-card {
    background-color: var(--color-card-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--border-radius-md);
    padding: 45px;
    box-shadow: var(--box-shadow-premium);
    position: relative;
    overflow: hidden;
    margin-top: 20px;
}
.process-display-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 6px;
    height: 100%;
    background-color: var(--color-accent-green);
}
.step-pane-v2 {
    display: none;
    opacity: 0;
    transition: opacity 0.4s ease;
}
.step-pane-v2.active {
    display: block;
    opacity: 1;
}
.intro-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
}
@media (max-width: 991px) {
    .intro-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}