:root{--navy:#082b4c;--navy2:#0c3d69;--gold:#d5a52d;--gold2:#f0c65d;--ink:#13273d;--muted:#617287;--line:#dde6ee;--soft:#f6f8fb;--green:#19764a;--shadow:0 14px 38px rgba(8,43,76,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:inherit}.container{width:min(1180px,calc(100% - 34px));margin:auto}
.topbar{background:#061f3a;color:#dce8f5;font-size:13px}.topbar .container{min-height:40px;display:flex;justify-content:space-between;align-items:center}.topbar a{color:#fff;text-decoration:none;font-weight:800}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.header-row{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{text-decoration:none;display:flex;flex-direction:column;line-height:1.14}.brand strong{font-size:20px;color:var(--navy)}.brand span{margin-top:5px;color:#6c7e91;font-size:10px;letter-spacing:.09em;text-transform:uppercase;font-weight:900}.nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.nav a{text-decoration:none;font-size:13px;font-weight:800;color:#38516a}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:47px;padding:0 18px;border:1px solid transparent;border-radius:12px;text-decoration:none;font-weight:850;font-size:14px;transition:.17s ease}.btn:hover{transform:translateY(-1px)}.btn-primary{color:#12273c;background:linear-gradient(135deg,var(--gold2),var(--gold));box-shadow:0 10px 24px rgba(213,165,45,.21)}.btn-secondary{background:#fff;color:var(--navy);border-color:#cedae5}.btn-dark{background:var(--navy);color:#fff}
.hero{position:relative;overflow:hidden;color:#fff;background:radial-gradient(circle at 90% 10%,rgba(43,118,184,.25),transparent 32%),radial-gradient(circle at 10% 100%,rgba(213,165,45,.13),transparent 28%),linear-gradient(135deg,#061f3a,#0b365f 62%,#0d497d);padding:76px 0 70px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(320px,.65fr);gap:42px;align-items:center}.eyebrow{color:#ffd978;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px}.hero h1{margin:0;font-size:clamp(38px,6vw,62px);line-height:1.04;letter-spacing:-.035em}.hero h1 span{color:#ffd978}.hero p{max-width:780px;color:#e1edf7;font-size:18px;margin:20px 0 0}.hero-actions{display:flex;gap:11px;flex-wrap:wrap;margin-top:28px}
.hero-card,.card{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}.hero-card h2,.card h3{color:var(--navy);margin-top:0}.checklist{list-style:none;padding:0;margin:0;display:grid;gap:12px}.checklist li{display:grid;grid-template-columns:28px 1fr;gap:10px}.check{width:28px;height:28px;border-radius:9px;display:grid;place-items:center;background:#edf8f2;color:var(--green);font-weight:900}
.trust{border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{text-align:center;padding:21px 18px;border-right:1px solid var(--line)}.trust-item:last-child{border-right:0}.trust-item strong{display:block;color:var(--navy)}.trust-item span{display:block;color:#748599;font-size:11px;margin-top:4px}
section{padding:72px 0}.section-soft{background:var(--soft)}.section-heading{max-width:840px;margin-bottom:30px}.section-heading .label{display:block;color:#145d97;text-transform:uppercase;font-weight:900;font-size:11px;letter-spacing:.1em}.section-heading h2{margin:7px 0 0;color:var(--navy);font-size:clamp(28px,4vw,42px);line-height:1.15}.section-heading p,.card p{color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.two-col{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);gap:38px;align-items:start}.sidebar{position:sticky;top:98px}.info-row{padding:12px 0;border-bottom:1px solid #edf2f6}.info-row strong{display:block}.info-row span{display:block;color:#6d7d8f;font-size:12px}
.steps{counter-reset:s;display:grid}.step{counter-increment:s;display:grid;grid-template-columns:48px 1fr;gap:16px;padding:18px 0;border-bottom:1px solid var(--line)}.step:before{content:counter(s);width:48px;height:48px;border-radius:15px;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900}.step h3{margin:0 0 5px;color:var(--navy)}.step p{margin:0;color:var(--muted)}
.suburbs{display:flex;flex-wrap:wrap;gap:8px}.suburbs span{padding:7px 10px;border-radius:999px;background:#eef4f9;color:#385875;font-size:12px;font-weight:800}
.faq-list{display:grid;gap:12px}.faq{overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:18px}.faq summary{list-style:none;cursor:pointer;padding:19px 22px;color:var(--navy);font-weight:850;display:flex;justify-content:space-between}.faq summary:after{content:"+"}.faq[open] summary:after{content:"−"}.faq-answer{padding:0 22px 21px;color:var(--muted);font-size:14px}
.cta{padding:0 0 72px}.cta-box{border-radius:26px;padding:34px;background:linear-gradient(135deg,#061f3a,#0b3d69);color:#fff;display:flex;justify-content:space-between;gap:28px;align-items:center}.cta-box h2{margin:0}.cta-box p{color:#dce8f5}
.disclaimer{font-size:12px;color:#718194;background:#f8fafc;border-top:1px solid var(--line);padding:18px 0}footer{background:#061f3a;color:#bfcfe0;padding:34px 0 94px}.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:28px}footer strong,footer a{color:#fff}.footer-links{display:grid;gap:7px}.breadcrumb{font-size:12px;color:#75869a;padding:14px 0}.notice{padding:24px;border:1px solid #ead696;border-radius:22px;background:#fff8e8}.notice h3{color:#594008}
.mobile-cta{display:none;position:fixed;left:10px;right:10px;bottom:10px;z-index:80;gap:8px;padding:8px;border-radius:16px;background:rgba(6,31,58,.95)}.mobile-cta .btn{flex:1}
@media(max-width:960px){.hero-grid,.two-col{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr 1fr}.trust-grid{grid-template-columns:1fr 1fr}.sidebar{position:static}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:680px){.topbar .left,.nav{display:none}.brand strong{font-size:16px}.hero{padding:54px 0}.hero h1{font-size:39px}.hero p{font-size:16px}.hero-actions .btn{width:100%}.trust-grid,.grid-3,.footer-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line)}section{padding:54px 0}.cta-box{flex-direction:column;align-items:flex-start}.mobile-cta{display:flex}}