/* Credit4U — Local Capital Pty Ltd | ACL 393689 */

:root{
  --paper:#FBFAF7; --paper-2:#F4F2EC; --card:#FFFFFF;
  --ink:#17252C; --ink-2:#47585F; --ink-3:#78878D;
  --pine:#0C6B5B; --pine-d:#08503F; --pine-w:#E6F0EC;
  --ochre:#8E5410; --ochre-w:#FBF4E8;
  --rule:#E0DDD4; --rule-2:#CFCBC0;
  --red:#9B2C2C; --red-w:#FBEDEC;
  --display:'Newsreader',Georgia,'Times New Roman',serif;
  --body:'Public Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,'Courier New',monospace;
  --wrap:1140px; --r:4px;
  --sh:0 1px 2px rgba(23,37,44,.05),0 4px 16px rgba(23,37,44,.05);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--body);font-size:16.5px;line-height:1.65;
  -webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--pine-d);text-underline-offset:3px}
h1,h2,h3,h4{font-family:var(--display);font-weight:500;line-height:1.15;
  letter-spacing:-.015em;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2.05rem,6.2vw,3.6rem)}
h2{font-size:clamp(1.6rem,4.4vw,2.5rem)}
h3{font-size:clamp(1.18rem,2.9vw,1.5rem)}
h4{font-size:1.05rem;font-family:var(--body);font-weight:700;letter-spacing:0}
p{margin:0 0 1.1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.eyebrow{font-family:var(--mono);font-size:.7rem;letter-spacing:.16em;
  text-transform:uppercase;color:var(--pine);font-weight:600;margin:0 0 .9rem}
.lead{font-size:1.12rem;color:var(--ink-2);line-height:1.7}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}
section{padding:clamp(3rem,7vw,5.5rem) 0}
.alt{background:var(--paper-2);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}

/* header */
.top{background:var(--pine-d);color:#DCEAE5;font-size:.775rem;
  font-family:var(--mono);letter-spacing:.03em}
.top .wrap{display:flex;justify-content:center;gap:1.1rem;
  padding-top:.42rem;padding-bottom:.42rem;text-align:center;
  white-space:nowrap;overflow:hidden}
.top span:nth-child(2){display:none}
.top span:nth-child(3){display:none}
@media(min-width:560px){.top span:nth-child(2){display:inline}}
@media(min-width:820px){.top span:nth-child(3){display:inline}}
header{position:sticky;top:0;z-index:60;background:rgba(251,250,247,.96);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--rule)}
.bar{display:flex;align-items:center;justify-content:space-between;
  gap:1rem;padding-top:.85rem;padding-bottom:.85rem}
.brand{display:flex;align-items:baseline;gap:.55rem;text-decoration:none;color:var(--ink)}
.brand b{font-family:var(--display);font-size:1.5rem;font-weight:600;letter-spacing:-.02em}
.brand span{display:none}
nav.main{display:none;gap:1.05rem;align-items:center}
nav.main a{color:var(--ink-2);text-decoration:none;font-size:.84rem;font-weight:500;white-space:nowrap;
  padding-top:.4rem;padding-bottom:.4rem;border-bottom:2px solid transparent;transition:.15s}
nav.main a:hover,nav.main a[aria-current]{color:var(--pine-d);border-bottom-color:var(--pine)}
.burger{display:flex;flex-direction:column;justify-content:center;gap:4.5px;
  width:44px;height:44px;padding:0 10px;background:none;border:1px solid var(--rule-2);
  border-radius:var(--r);cursor:pointer}
.burger i{display:block;width:100%;height:2px;flex:0 0 2px;background:var(--ink);
  border-radius:1px;transition:.22s}
.burger[aria-expanded=true] i:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger[aria-expanded=true] i:nth-child(2){opacity:0}
.burger[aria-expanded=true] i:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
#drawer{display:none;border-top:1px solid var(--rule);padding:.5rem 0 1.2rem}
#drawer.open{display:block}
#drawer a{display:block;padding:.72rem 4px;color:var(--ink);text-decoration:none;
  border-bottom:1px solid var(--rule);font-size:.98rem}
#drawer .btn{margin-top:1rem;border:0;color:#fff}
@media(min-width:1080px){nav.main{display:flex}.burger{display:none}#drawer{display:none!important}}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  background:var(--pine);color:#fff;text-decoration:none;font-weight:600;font-size:1rem;
  padding:.92rem 1.7rem;border-radius:var(--r);border:1px solid var(--pine);
  cursor:pointer;font-family:var(--body);transition:.16s;min-height:48px;text-align:center}
.btn:hover{background:var(--pine-d);border-color:var(--pine-d);color:#fff}
.btn:active{transform:translateY(1px)}
.btn.ghost{background:transparent;color:var(--pine-d);border-color:var(--rule-2)}
.btn.ghost:hover{background:var(--pine-w);border-color:var(--pine);color:var(--pine-d)}
.btn.wide{width:100%}
.btn[disabled]{opacity:.5;cursor:not-allowed}
:focus-visible{outline:2.5px solid var(--pine);outline-offset:2px;border-radius:2px}

/* hero */
.hero{padding:clamp(2.4rem,6vw,4.6rem) 0 clamp(2.4rem,5vw,3.6rem);
  background:linear-gradient(176deg,#fff 0%,var(--paper) 62%)}
.hero-grid{display:grid;gap:clamp(2rem,4vw,3.4rem);align-items:start}
@media(min-width:1000px){.hero-grid{grid-template-columns:1fr 1fr}}
.hero .form-card{margin-top:.4rem}
.hero-form-lead{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--pine);font-weight:600;margin:0 0 .7rem;text-align:center}
.hero h1{margin-bottom:.4em}
.hero h1 em{font-style:italic;color:var(--pine-d)}
.checks{list-style:none;margin:1.6rem 0 0;padding:0;display:grid;gap:.6rem}
.checks li{position:relative;padding-left:1.75rem;color:var(--ink-2);font-size:.98rem}
.checks li::before{content:"";position:absolute;left:2px;top:.42em;width:6px;height:11px;
  border:2.2px solid var(--pine);border-top:0;border-left:0;
  transform:rotate(40deg);border-radius:0 0 2px 0}

/* statement panel — signature element */
.stmt{background:var(--card);border:1px solid var(--rule-2);border-radius:var(--r);
  box-shadow:var(--sh);overflow:hidden}
.stmt-h{background:var(--ink);color:#EAF1EE;padding:.85rem 1.3rem;
  font-family:var(--mono);font-size:.68rem;letter-spacing:.15em;text-transform:uppercase;
  display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.stmt-b{padding:1.4rem}
.stmt dl{margin:0}
.row{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;
  padding:.62rem 0;border-bottom:1px dotted var(--rule-2)}
.row:last-of-type{border-bottom:0}
.row dt{color:var(--ink-2);font-size:.87rem;margin:0}
.row dd{margin:0;font-family:var(--mono);font-size:.97rem;font-weight:500;
  text-align:right;font-variant-numeric:tabular-nums}
.row.big{border-top:2px solid var(--ink);border-bottom:0;margin-top:.5rem;padding-top:.9rem}
.row.big dt{font-weight:700;color:var(--ink);font-size:.95rem}
.row.big dd{font-size:1.42rem;font-weight:600;color:var(--pine-d)}
.stmt-f{background:var(--ochre-w);border-top:1px solid var(--rule);
  padding:.95rem 1.3rem;font-size:.755rem;line-height:1.55;color:var(--ochre)}
.stmt-f strong{display:block;margin-bottom:.25rem;font-size:.7rem;
  letter-spacing:.09em;text-transform:uppercase;font-family:var(--mono)}

/* cards */
.grid{display:grid;gap:1.15rem}
.g2{grid-template-columns:1fr}
.g3{grid-template-columns:1fr}
@media(min-width:680px){.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.g3{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--card);border:1px solid var(--rule);border-radius:var(--r);
  padding:1.5rem;transition:.18s}
.card h3{margin-bottom:.45rem;font-size:1.24rem}
.card p{color:var(--ink-2);font-size:.94rem;margin-bottom:.9rem}
.card p:last-child{margin-bottom:0}
a.card{text-decoration:none;display:block;color:inherit}
a.card:hover{border-color:var(--pine);box-shadow:var(--sh);transform:translateY(-2px)}
.card .more{font-family:var(--mono);font-size:.76rem;letter-spacing:.08em;
  text-transform:uppercase;color:var(--pine);font-weight:600}
.tag{display:inline-block;font-family:var(--mono);font-size:.66rem;letter-spacing:.12em;
  text-transform:uppercase;background:var(--pine-w);color:var(--pine-d);
  padding:.22rem .55rem;border-radius:2px;margin-bottom:.7rem;font-weight:600}

/* steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:1.4rem}
@media(min-width:820px){.steps{grid-template-columns:repeat(3,1fr);gap:2rem}}
.steps li{counter-increment:s;position:relative;padding-top:2.6rem}
.steps li::before{content:counter(s,decimal-leading-zero);position:absolute;top:0;left:0;
  font-family:var(--mono);font-size:.82rem;color:var(--pine);font-weight:600;
  letter-spacing:.1em;border-top:2px solid var(--pine);padding-top:.55rem;width:2.6rem}
.steps h3{font-size:1.15rem;margin-bottom:.35rem}
.steps p{font-size:.93rem;color:var(--ink-2);margin:0}

/* table */
.tw{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--rule);
  border-radius:var(--r);background:var(--card)}
table{width:100%;border-collapse:collapse;min-width:520px;font-size:.9rem}
th,td{padding:.82rem 1rem;text-align:left;border-bottom:1px solid var(--rule)}
th{background:var(--paper-2);font-size:.72rem;letter-spacing:.09em;text-transform:uppercase;
  font-family:var(--mono);color:var(--ink-2);font-weight:600;white-space:nowrap}
td.n{font-family:var(--mono);font-variant-numeric:tabular-nums;white-space:nowrap}
tr:last-child td{border-bottom:0}
.scroll-hint{font-size:.76rem;color:var(--ink-3);margin:.5rem 0 0;font-family:var(--mono)}
@media(min-width:700px){.scroll-hint{display:none}}

/* notes */
.note{background:var(--ochre-w);border-left:3px solid var(--ochre);padding:1.05rem 1.25rem;
  border-radius:0 var(--r) var(--r) 0;font-size:.845rem;line-height:1.62;color:var(--ochre);
  margin:1.6rem 0}
.note strong{display:block;margin-bottom:.3rem;font-family:var(--mono);font-size:.7rem;
  letter-spacing:.1em;text-transform:uppercase}
.note.info{background:var(--pine-w);border-left-color:var(--pine);color:var(--pine-d)}
.note.warn{background:var(--red-w);border-left-color:var(--red);color:var(--red)}
.note p{margin:0 0 .6em}.note p:last-child{margin:0}
.note a{color:inherit}

/* calculator */
.calc{background:var(--card);border:1px solid var(--rule-2);border-radius:var(--r);
  box-shadow:var(--sh);overflow:hidden}
.calc-b{padding:1.5rem}
.fld{margin-bottom:1.4rem}
.fld:last-child{margin-bottom:0}
.fld label{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;
  font-size:.83rem;font-weight:600;color:var(--ink-2);margin-bottom:.55rem}
.fld label output{font-family:var(--mono);font-size:1.06rem;color:var(--pine-d);font-weight:600}
input[type=range]{width:100%;height:46px;background:transparent;-webkit-appearance:none;
  appearance:none;cursor:pointer;display:block;margin:0}
input[type=range]::-webkit-slider-runnable-track{height:5px;background:var(--rule-2);border-radius:3px}
input[type=range]::-moz-range-track{height:5px;background:var(--rule-2);border-radius:3px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;
  border-radius:50%;background:var(--pine);border:3px solid #fff;margin-top:-10.5px;
  box-shadow:0 1px 5px rgba(0,0,0,.24)}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border-radius:50%;
  background:var(--pine);border:3px solid #fff;box-shadow:0 1px 5px rgba(0,0,0,.24)}
.scale{display:flex;justify-content:space-between;font-family:var(--mono);
  font-size:.68rem;color:var(--ink-3);margin-top:.3rem}
.calc-out{background:var(--ink);color:#fff;padding:1.4rem 1.5rem;display:grid;gap:1.1rem}
@media(min-width:560px){.calc-out{grid-template-columns:1fr 1fr}}
.calc-out div span{display:block;font-family:var(--mono);font-size:.66rem;letter-spacing:.13em;
  text-transform:uppercase;color:#9DB5AE;margin-bottom:.3rem}
.calc-out div b{font-family:var(--mono);font-size:1.72rem;font-weight:600;
  letter-spacing:-.02em;line-height:1.1;display:block}

/* form */
.form-card{background:var(--card);border:1px solid var(--rule-2);border-radius:var(--r);
  box-shadow:var(--sh);overflow:hidden}
.prog{display:flex;border-bottom:1px solid var(--rule);background:var(--paper-2)}
.prog div{flex:1;padding:.85rem .5rem;text-align:center;font-family:var(--mono);
  font-size:.66rem;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-3);
  border-bottom:2.5px solid transparent;transition:.2s}
.prog div.on{color:var(--pine-d);border-bottom-color:var(--pine);background:var(--card);font-weight:600}
.prog div.done{color:var(--pine)}
.form-b{padding:1.6rem}
@media(min-width:640px){.form-b{padding:2rem}}
fieldset{border:0;margin:0;padding:0}
fieldset[hidden]{display:none}
legend{font-family:var(--display);font-size:1.4rem;margin-bottom:.3rem;padding:0}
.f{margin-bottom:1.35rem}
.f > label,.f > .lbl{display:block;font-size:.88rem;font-weight:600;
  color:var(--ink);margin-bottom:.45rem}
.hint{font-size:.79rem;color:var(--ink-3);margin:-.25rem 0 .5rem;font-weight:400}
input[type=text],input[type=email],input[type=tel],input[type=number],select{
  width:100%;padding:.85rem .95rem;font-size:16px;font-family:var(--body);color:var(--ink);
  background:var(--card);border:1px solid var(--rule-2);border-radius:var(--r);
  min-height:50px;transition:.15s;-webkit-appearance:none;appearance:none}
select{background-image:url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2347585F' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right .8rem center;background-size:19px;padding-right:2.6rem}
input:focus,select:focus{border-color:var(--pine);box-shadow:0 0 0 3px var(--pine-w);outline:0}
input[aria-invalid=true],select[aria-invalid=true]{border-color:var(--red);background:var(--red-w)}
.err{display:none;color:var(--red);font-size:.79rem;margin-top:.35rem;font-weight:500}
.err.show{display:block}
.opts{display:grid;gap:.6rem}
@media(min-width:520px){.opts.two{grid-template-columns:1fr 1fr}}
.opt{position:relative;display:block}
.opt input{position:absolute;opacity:0;width:0;height:0}
.opt span{display:block;padding:.85rem 1rem;border:1px solid var(--rule-2);border-radius:var(--r);
  cursor:pointer;font-size:.92rem;transition:.15s;min-height:50px;display:flex;align-items:center}
.opt input:checked + span{border-color:var(--pine);background:var(--pine-w);
  box-shadow:inset 0 0 0 1px var(--pine);font-weight:600;color:var(--pine-d)}
.opt input:focus-visible + span{outline:2.5px solid var(--pine);outline-offset:2px}
.consent{display:flex;gap:.75rem;align-items:flex-start;font-size:.83rem;
  color:var(--ink-2);line-height:1.55}
.consent input{width:21px;height:21px;margin:2px 0 0;flex-shrink:0;accent-color:var(--pine)}
.nav-b{display:flex;gap:.75rem;margin-top:1.9rem;flex-wrap:wrap}
.nav-b .btn{flex:1;min-width:130px}
.dob{display:grid;grid-template-columns:1fr 1.4fr 1.1fr;gap:.6rem}

/* footer */
footer{background:var(--ink);color:#B9C7CB;padding:3.4rem 0 2rem;font-size:.875rem}
.f-grid{display:grid;gap:2.2rem;margin-bottom:2.4rem}
@media(min-width:760px){.f-grid{grid-template-columns:1.5fr 1fr 1fr}}
footer h4{color:#fff;font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;
  text-transform:uppercase;margin-bottom:1rem;font-weight:600}
footer a{color:#B9C7CB;text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.55rem}
.f-brand b{font-family:var(--display);font-size:1.45rem;color:#fff;
  display:block;margin-bottom:.5rem;font-weight:600}
.legal{border-top:1px solid #2C3D45;padding-top:1.7rem;font-size:.775rem;
  line-height:1.72;color:#8C9CA2}
.legal p{margin:0 0 .8em}
.legal p:last-child{margin:0}
.legal strong{color:#B9C7CB;font-weight:600}

.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;
  clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;top:-60px;left:8px;background:var(--pine);color:#fff;
  padding:.7rem 1.1rem;z-index:100;border-radius:var(--r);text-decoration:none}
.skip:focus{top:8px}

@media(prefers-reduced-motion:reduce){
  *{animation-duration:.01ms!important;transition-duration:.01ms!important;
    scroll-behavior:auto!important}
  a.card:hover{transform:none}
}
@media print{header,footer,.btn,.top{display:none}}

.guide-meta{font-family:var(--mono);font-size:.7rem;letter-spacing:.08em;
  text-transform:uppercase;color:var(--ink-3);margin-bottom:.5rem}
.prose h2{margin-top:2.4rem}
.prose h3{margin-top:1.8rem;font-size:1.2rem}
.prose ul,.prose ol{padding-left:1.3rem;margin-bottom:1.2rem}
.prose li{margin-bottom:.5rem;color:var(--ink-2)}
.keyfact{background:var(--pine-w);border:1px solid var(--pine);border-radius:var(--r);
  padding:1.2rem 1.4rem;margin:1.8rem 0}
.keyfact strong{display:block;font-family:var(--mono);font-size:.7rem;letter-spacing:.1em;
  text-transform:uppercase;color:var(--pine-d);margin-bottom:.4rem}
.keyfact p{margin:0;color:var(--pine-d);font-size:.93rem}