/* ============================================================
   Fintax Solutions (Australia) Pty Ltd — shared site styles
   Brand: navy + gold logo, teal accent. Lora headings + Source Sans 3 body.
   Used by all pages except the self-contained home page (index.html).
   ============================================================ */

:root{
  --navy-900:#143C86; --navy-800:#1D54A8; --navy-700:#2E74D6;
  --gold-500:#F5B921; --gold-400:#F7C44F;
  --teal-500:#12b3a6; --teal-600:#0e9488; --teal-50:#e6f6f3;
  --cream-50:#f6f4ee; --navy-50:#eef1fc;
  --ink-900:#16202e; --ink-600:#4a5568; --white:#fff; --border:#e4e0d6;
  --maxw:1180px;
  --font-head:'Lora',Georgia,'Times New Roman',Times,serif;
  --font-body:'Source Sans 3',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{font-family:var(--font-body);color:var(--ink-900);background:var(--white);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.2;color:var(--navy-900)}
:focus-visible{outline:3px solid var(--gold-500);outline-offset:2px;border-radius:4px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy-800);color:#fff;padding:10px 16px;z-index:200}
.skip-link:focus{left:8px;top:8px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;font-weight:700;border-radius:9px;padding:13px 24px;font-size:16px;cursor:pointer;border:2px solid transparent;transition:transform .15s ease,box-shadow .15s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--gold-500);color:var(--navy-900);box-shadow:0 6px 18px rgba(245,185,33,.33)}
.btn-primary:hover{background:var(--gold-400)}
.btn-outline{background:transparent;color:var(--white);border-color:rgba(255,255,255,.7)}
.btn-outline:hover{background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy-800);color:#fff}
.btn-navy:hover{background:var(--navy-700)}
.btn.small{padding:10px 18px;font-size:14.5px}

/* ---------- Header / nav ---------- */
header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 1px 10px rgba(20,60,134,.05)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:10px 24px;max-width:var(--maxw);margin:0 auto}
.logo img{height:68px;width:auto}
.links{display:flex;align-items:center;gap:22px}
.links>a,.dd>button{font-weight:600;font-size:15.5px;color:var(--ink-900);background:none;border:none;font-family:var(--font-body);cursor:pointer;display:inline-flex;align-items:center;gap:5px;padding:6px 0}
.links>a:hover,.dd>button:hover{color:var(--navy-700)}
.dd{position:relative}
.dd>button::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-left:3px;margin-top:-3px}
.dd-menu{position:absolute;top:calc(100% + 8px);left:0;min-width:248px;background:#fff;border:1px solid var(--border);border-radius:12px;box-shadow:0 14px 34px rgba(20,60,134,.16);padding:8px;display:none;flex-direction:column}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:flex}
.dd-menu a{padding:10px 14px;border-radius:8px;font-size:15px;font-weight:600;color:var(--ink-900)}
.dd-menu a:hover{background:var(--navy-50);color:var(--navy-800)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-cta .tel{font-weight:700;font-size:14px;color:var(--navy-800);white-space:nowrap}
.nav-cta .tel a:hover{color:var(--navy-700)}
.menu-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.menu-toggle span{width:26px;height:3px;background:var(--navy-800);border-radius:2px}
#mobile-menu{display:none;flex-direction:column;background:#fff;border-bottom:1px solid var(--border);padding:10px 24px 18px}
#mobile-menu.open{display:flex}
#mobile-menu a{padding:12px 0;border-bottom:1px solid var(--border);font-weight:600;font-size:17px}
#mobile-menu .sub{padding-left:16px;font-size:15.5px;color:var(--ink-600)}

/* ---------- Hero (interior pages) ---------- */
.hero{background:linear-gradient(135deg,var(--navy-900) 0%,var(--navy-800) 55%,var(--navy-700) 100%);color:#fff;padding:64px 0 72px}
.hero .wrap{max-width:900px}
.hero .eyebrow{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);color:#fff;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:18px}
.hero h1{color:#fff;font-size:2.55rem;margin-bottom:16px}
.hero p{font-size:1.2rem;color:#dfe8fb;max-width:720px}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.crumbs{font-size:13.5px;color:#c7d3ee;margin-bottom:20px}
.crumbs a{color:#c7d3ee;text-decoration:underline}
.crumbs span{opacity:.7}

/* ---------- Sections ---------- */
section{padding:60px 0}
section.tint{background:var(--navy-50)}
section.teal-tint{background:var(--teal-50)}
.section-head{max-width:760px;margin:0 auto 40px;text-align:center}
.section-head h2{font-size:2rem;margin-bottom:12px}
.section-head p{color:var(--ink-600);font-size:1.08rem}
.lead{font-size:1.18rem;color:var(--ink-600);max-width:780px}
.prose{max-width:820px;margin:0 auto}
.prose h2{font-size:1.7rem;margin:38px 0 14px}
.prose h3{font-size:1.28rem;margin:28px 0 10px;color:var(--navy-800)}
.prose p{margin:0 0 16px;color:var(--ink-900)}
.prose ul{margin:0 0 18px;padding-left:22px}
.prose li{margin:7px 0}
.prose a{color:var(--navy-700);text-decoration:underline;font-weight:600}

/* ---------- Cards ---------- */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:26px;box-shadow:0 4px 16px rgba(20,60,134,.05)}
.card h3{font-size:1.22rem;margin-bottom:10px;color:var(--navy-800)}
.card p{color:var(--ink-600);font-size:15.5px}
.card .ic{width:46px;height:46px;border-radius:11px;background:var(--navy-50);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:14px}
.checklist{list-style:none;margin:20px 0}
.checklist li{display:flex;gap:11px;align-items:flex-start;padding:9px 0;border-bottom:1px dashed var(--border);font-size:16.5px;color:var(--ink-600)}
.checklist li::before{content:"\2713";color:var(--gold-500);font-weight:800;flex:none}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(135deg,var(--navy-800),var(--navy-700));color:#fff;text-align:center;border-radius:18px;padding:44px 28px;margin:0 auto;max-width:900px}
.cta-band h2{color:#fff;font-size:1.8rem;margin-bottom:10px}
.cta-band p{color:#dfe8fb;margin-bottom:22px;font-size:1.08rem}

/* ---------- Area / link lists ---------- */
.pill-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.pill-links a{background:#fff;border:1px solid var(--border);border-radius:999px;padding:9px 16px;font-size:14.5px;font-weight:600;color:var(--navy-800)}
.pill-links a:hover{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}

/* ---------- Footer ---------- */
footer{background:var(--navy-900);color:#c7d3ee;padding:52px 0 30px;font-size:15px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px;margin-bottom:34px}
.footer-logo img{height:84px;width:auto;margin-bottom:14px}
.footer-brand p{color:#aebbd9;font-size:14.5px;max-width:320px}
footer h4{color:#fff;font-size:15px;letter-spacing:.04em;text-transform:uppercase;margin-bottom:14px}
footer ul{list-style:none}
footer li{margin:8px 0}
footer a:hover{color:#fff;text-decoration:underline}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);padding-top:20px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:#8fa0c6}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .links,.nav-cta .tel,.nav-cta .btn-outline-hide{display:none}
  .menu-toggle{display:flex}
  .hero h1{font-size:2rem}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:540px){
  .logo img{height:56px}
  .hero{padding:48px 0 54px}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column}
}