/* Expat Finance — design system v2 (navy)
   Brand family of the Telehealth Australia sites: warm cream, deep green, Plus Jakarta Sans,
   pill buttons, white rounded cards, sage bands. */
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:200 800;font-display:swap;src:url(/assets/fonts/pjs-latin.woff2) format("woff2")}
:root{
  --cream:#F4F1EA;--cream-2:#EDE9DE;--sage:#E8EEF5;--sage-2:#D9E4EF;--white:#fff;
  --g900:#14304F;--g800:#1A3F66;--g700:#1F4D7D;--g600:#2A5F99;--g500:#3A74B0;--g100:#E0EAF5;
  --ink:#13202E;--ink-2:#455566;--ink-3:#667585;
  --line:#E2E0D4;--line-2:#CFCDBF;
  --gold:#A97C1F;--gold-soft:#F6EEDA;--gold-ink:#6F5112;
  --warn:#A33A2B;--warn-soft:#FBECE8;
  --r-s:12px;--r-m:18px;--r-l:26px;
  --sh-1:0 1px 2px rgba(20,48,79,.05),0 8px 24px rgba(20,48,79,.06);
  --sh-2:0 2px 6px rgba(20,48,79,.06),0 22px 56px rgba(20,48,79,.13);
  --max:1160px;--pad:clamp(18px,4vw,40px);
  --sans:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{max-width:100%}
a{color:var(--g600);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--g900)}
h1,h2,h3,h4{font-family:var(--sans);font-weight:800;line-height:1.1;letter-spacing:-.028em;margin:0 0 .45em;color:var(--g900)}
h1{font-size:clamp(34px,5vw,58px);letter-spacing:-.036em;line-height:1.04}
h2{font-size:clamp(26px,3.2vw,36px)}
h3{font-size:clamp(19px,2vw,22px);letter-spacing:-.02em;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--pad)}
.skip{position:absolute;left:-999px;top:0;background:var(--g900);color:#fff;padding:10px 14px;z-index:100;border-radius:0 0 10px 0}
.skip:focus{left:0;top:0}
.muted{color:var(--ink-3)}
.small{font-size:14.5px}
.hl{color:var(--g500)}
svg.i{width:1.15em;height:1.15em;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
:focus-visible{outline:3px solid var(--g500);outline-offset:2px;border-radius:6px}

/* buttons */
.btn,.btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;font:700 16px/1.2 var(--sans);padding:15px 26px;text-decoration:none;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s,border-color .15s}
.btn{background:linear-gradient(180deg,#4A82BF,var(--g600));color:#fff;box-shadow:0 1px 0 rgba(255,255,255,.25) inset,0 6px 16px rgba(42,95,153,.28)}
.btn:hover{background:linear-gradient(180deg,#2F6BA8,var(--g700));color:#fff;transform:translateY(-1px);box-shadow:0 1px 0 rgba(255,255,255,.2) inset,0 10px 22px rgba(42,95,153,.32)}
.btn:disabled{opacity:.6;cursor:wait;transform:none}
.btn-ghost{background:rgba(255,255,255,.7);color:var(--g900);border:1.5px solid var(--line-2)}
.btn-ghost:hover{background:#fff;border-color:var(--g900);color:var(--g900)}
.btn.btn-light{background:#fff;color:var(--g900);box-shadow:var(--sh-1)}
.btn.btn-light:hover{background:var(--cream);color:var(--g900)}
.btn svg.i{width:1.1em;height:1.1em}
.btn-block{width:100%}

/* top strip */
.notice{background:var(--g100);color:var(--g800);font-size:13px;text-align:center;padding:7px var(--pad);line-height:1.4;font-weight:500}
.notice a{color:var(--g900);font-weight:700}
.envbar{background:var(--warn);color:#fff;text-align:center;font-size:13.5px;padding:7px;font-weight:600}

/* header */
.site-head{background:rgba(244,240,232,.88);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid rgba(20,48,79,.08);position:sticky;top:0;z-index:50}
.head-row{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.brand{display:flex;align-items:center;gap:11px;color:var(--g900);text-decoration:none;font-weight:800;font-size:20px;letter-spacing:-.025em;line-height:1}
.brand:hover{color:var(--g900)}
.brand .mark{width:38px;height:38px;border-radius:11px;background:linear-gradient(160deg,var(--g500),var(--g800));display:grid;place-items:center;color:#fff;box-shadow:0 4px 10px rgba(26,63,102,.25)}
.brand .mark svg{width:21px;height:21px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.brand b{color:var(--g500);font-weight:800}
.brand small{display:block;font:600 11px var(--sans);color:var(--ink-3);letter-spacing:.04em;text-transform:uppercase;margin-top:4px}
.nav-links{display:none;list-style:none;margin:0;padding:0;gap:6px;align-items:center}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px;padding:9px 13px;border-radius:999px;display:block}
.nav-links a:hover{background:rgba(20,48,79,.07);color:var(--g900)}
.nav-links a.nav-cta{background:linear-gradient(180deg,#4A82BF,var(--g600));color:#fff;padding:10px 20px;margin-left:6px;box-shadow:0 6px 14px rgba(42,95,153,.25)}
.nav-links a.nav-cta:hover{background:var(--g700);color:#fff}
.menu summary{list-style:none;cursor:pointer;font-weight:700;padding:9px 18px;border:1.5px solid var(--line-2);border-radius:999px;font-size:15px;background:rgba(255,255,255,.7);display:flex;align-items:center;gap:8px}
.menu summary::-webkit-details-marker{display:none}
.menu summary::after{content:"";width:8px;height:8px;border-right:2px solid var(--g900);border-bottom:2px solid var(--g900);transform:rotate(45deg) translateY(-2px);transition:transform .2s}
.menu[open] summary::after{transform:rotate(-135deg) translateY(-2px)}
.menu-panel{position:absolute;right:var(--pad);left:var(--pad);top:76px;max-height:calc(100vh - 100px);overflow:auto;background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:8px 20px 20px;box-shadow:var(--sh-2)}
.menu-panel p{font:700 11.5px var(--sans);text-transform:uppercase;letter-spacing:.1em;color:var(--g500);margin:18px 0 6px}
.menu-panel ul{list-style:none;margin:0;padding:0}
.menu-panel li{margin:0}
.menu-panel a{text-decoration:none;font-weight:600;display:block;padding:8px 0;color:var(--ink);font-size:15.5px}
.menu-panel a:hover{color:var(--g600)}
@media (min-width:1020px){.nav-links{display:flex}.menu{display:none}}

/* home hero */
.hero{position:relative;padding:clamp(36px,6vw,80px) 0 clamp(60px,7vw,96px);background:radial-gradient(1100px 520px at 80% -10%,rgba(58,116,176,.16),transparent 60%),radial-gradient(800px 420px at 0% 30%,rgba(169,124,31,.07),transparent 60%),linear-gradient(180deg,var(--sage) 0,var(--cream) 100%)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:44px;align-items:center}
@media (min-width:980px){.hero-grid{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:56px}}
.eyebrow{display:inline-flex;align-items:center;gap:9px;background:rgba(255,255,255,.75);border:1px solid rgba(20,48,79,.1);color:var(--g800);font:700 13px var(--sans);padding:7px 14px;border-radius:999px;margin-bottom:22px;box-shadow:0 1px 2px rgba(20,48,79,.04)}
.eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--g500);box-shadow:0 0 0 4px rgba(58,116,176,.18)}
.hero h1{font-size:clamp(38px,5.4vw,66px);max-width:16ch;margin-bottom:.38em}
.hero h1 .hl{white-space:nowrap}
.hero .lede{font-size:clamp(18px,1.9vw,21px);color:var(--ink-2);max-width:54ch;line-height:1.6;margin-bottom:0}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.hero-note{margin:18px 0 0;font-size:14px;color:var(--ink-3);font-weight:500}

/* snapshot card (hero visual) */
.snap-wrap{position:relative;padding:0 0 46px}
.snap{background:var(--white);border:1px solid rgba(20,48,79,.08);border-radius:var(--r-l);box-shadow:var(--sh-2);padding:8px;position:relative}
.snap::before{content:"";position:absolute;inset:-14px -14px auto auto;width:64%;height:64%;border-radius:var(--r-l);background:linear-gradient(135deg,rgba(58,116,176,.18),rgba(58,116,176,0));z-index:-1}
.snap-bar{display:flex;align-items:center;gap:7px;padding:10px 14px 8px}
.snap-bar i{width:10px;height:10px;border-radius:50%;background:#E6A296}
.snap-bar i:nth-child(2){background:#E8CB7C}
.snap-bar i:nth-child(3){background:#9CBCE0}
.snap-bar span{margin-left:8px;background:var(--cream);color:var(--ink-3);font:600 12px var(--sans);padding:4px 12px;border-radius:999px}
.snap-body{background:var(--cream);border-radius:calc(var(--r-l) - 8px);padding:16px}
.snap-title{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin:2px 4px 12px;font-weight:800;color:var(--g900);font-size:17px;letter-spacing:-.02em}
.snap-title small{white-space:nowrap;font:700 11.5px var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--g500)}
.snap-list{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.snap-list li{display:flex;gap:13px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:12px 14px}
.snap-list .ic{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;flex:none;background:var(--g100);color:var(--g600);font-size:18px}
.snap-list .no .ic{background:var(--warn-soft);color:var(--warn)}
.snap-list .maybe .ic{background:var(--gold-soft);color:var(--gold)}
.snap-list b{display:block;font-size:15.5px;line-height:1.25;color:var(--ink);font-weight:700}
.snap-list span{display:block;font-size:13.5px;color:var(--ink-3);line-height:1.35;margin-top:2px}
.snap-nums{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-top:9px}
.snap-nums div{background:var(--g900);color:#fff;border-radius:14px;padding:14px 16px}
.snap-nums b{display:block;font-size:26px;font-weight:800;letter-spacing:-.03em;line-height:1.05}
.snap-nums span{display:block;font-size:12.5px;color:#BFD0E2;margin-top:5px;line-height:1.35}
.chip{position:absolute;left:-22px;bottom:2px;background:var(--white);border:1px solid var(--line);border-radius:16px;box-shadow:var(--sh-2);padding:11px 16px 11px 12px;display:flex;gap:11px;align-items:center;max-width:290px}
.chip .ic{width:34px;height:34px;border-radius:10px;background:var(--g100);color:var(--g600);display:grid;place-items:center;font-size:18px;flex:none}
.chip b{display:block;font-size:14px;line-height:1.2;font-weight:700}
.chip span{display:block;font-size:12.5px;color:var(--ink-3);line-height:1.3;margin-top:2px}
@media (max-width:560px){.chip{left:8px;right:8px;max-width:none}}

/* trust strip */
.trust{margin-top:-34px;position:relative;z-index:2}
.trust-card{background:var(--white);border:1px solid rgba(20,48,79,.07);border-radius:20px;box-shadow:var(--sh-1);display:grid;grid-template-columns:repeat(2,1fr);gap:4px 10px;padding:14px 12px}
@media (min-width:860px){.trust-card{grid-template-columns:repeat(4,1fr);padding:18px 14px}}
.trust-card div{display:flex;align-items:center;gap:10px;font-weight:600;font-size:14.5px;color:var(--ink);padding:6px 10px;line-height:1.3}
.trust-card svg.i{color:var(--g500);width:22px;height:22px}

/* generic sections */
.section{padding:clamp(44px,6vw,84px) 0}
.section.tight{padding:clamp(28px,4vw,52px) 0}
.sec-head{max-width:720px;margin-bottom:34px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.kicker{display:block;font:800 12.5px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--g500);margin-bottom:12px}
.section-h{margin-bottom:.35em}
.section-sub{color:var(--ink-2);font-size:18px;max-width:62ch;margin:0}
.sec-head .section-sub{margin-bottom:0}
.center .section-sub{margin-left:auto;margin-right:auto}
.band{background:var(--sage)}
.band.white{background:var(--white)}
.band.dark{background:var(--g900);color:#D3E0EE}
.band.dark h2,.band.dark h3{color:#fff}
.band.dark .kicker{color:#9CC3EA}
.band.dark .section-sub,.band.dark p{color:#BFD0E2}
.band.dark a{color:#fff}
.band.green{background:radial-gradient(900px 400px at 85% 0,rgba(156,195,234,.22),transparent 60%),linear-gradient(135deg,var(--g700),var(--g900));color:#D3E0EE}
.band.green h2,.band.green h3{color:#fff}
.band.green .kicker{color:#B5D3F0}
.band.green .section-sub,.band.green p{color:#CCDCEC}
.grid-3{display:grid;grid-template-columns:1fr;gap:18px}
@media (min-width:720px){.grid-3{grid-template-columns:repeat(3,1fr)}}
.grid-2{display:grid;grid-template-columns:1fr;gap:18px}
@media (min-width:720px){.grid-2{grid-template-columns:repeat(2,1fr)}}
.split{display:grid;grid-template-columns:minmax(0,1fr);gap:36px;align-items:start}
@media (min-width:940px){.split{grid-template-columns:minmax(0,1fr) minmax(0,470px);gap:64px}}
.checks{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:12px}
.checks li{display:flex;gap:11px;align-items:flex-start;font-weight:600;font-size:16px;line-height:1.4}
.checks svg.i{color:#9CC3EA;margin-top:2px;width:20px;height:20px}
.band:not(.green):not(.dark) .checks svg.i{color:var(--g500)}

/* cards on dark/green bands keep normal text colours */
.band.green .card,.band.dark .card{color:var(--ink)}
.band.green .card h2,.band.green .card h3,.band.dark .card h2,.band.dark .card h3{color:var(--g900)}
.band.green .card p,.band.dark .card p{color:var(--ink-2)}
.band.green .card .small,.band.dark .card .small,.band.green .card .form-note,.band.dark .card .form-note{color:var(--ink-3)}
.band.green .card a,.band.dark .card a{color:var(--g600)}
.band.green .card .form-status.ok,.band.dark .card .form-status.ok{color:var(--g700)}
.band .split>div:first-child{padding-top:clamp(0px,2vw,24px)}
@media (min-width:940px){.band .split>div:first-child{position:sticky;top:110px}}

/* tiles */
.tile{background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);padding:24px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;position:relative;transition:transform .18s,box-shadow .18s,border-color .18s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--sh-2);border-color:rgba(42,95,153,.35);color:var(--ink)}
.tile .ti{width:46px;height:46px;border-radius:14px;background:var(--g100);color:var(--g600);display:grid;place-items:center;font-size:23px;margin-bottom:18px}
.tile h3{margin:0 0 7px;font-size:19px;letter-spacing:-.02em}
.tile p{margin:0;color:var(--ink-2);font-size:15.5px;line-height:1.55}
.tile .num{font:800 11.5px var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--g500);margin-bottom:9px;display:block}
.tile::after{content:"\2192";position:absolute;right:20px;top:22px;color:var(--g500);font-weight:700;opacity:0;transform:translateX(-6px);transition:.18s}
.tile:hover::after{opacity:1;transform:none}
.tile.sm{padding:20px}
.dir{list-style:none;padding:0;margin:0;border-top:1px solid var(--g900)}
.dir li{padding:14px 0;border-bottom:1px solid var(--line)}
.dir a{font-weight:700;font-size:17px;text-decoration:none}
.dir span{display:block;color:var(--ink-2);font-size:15px}
.flags{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media (min-width:720px){.flags{grid-template-columns:repeat(3,1fr)}}
@media (min-width:1000px){.flags{grid-template-columns:repeat(5,1fr)}}
.flags a{display:flex;flex-direction:column;gap:2px;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:14px 16px;text-decoration:none;font-weight:700;color:var(--ink);transition:.15s}
.flags a:hover{border-color:var(--g500);box-shadow:var(--sh-1);transform:translateY(-2px);color:var(--g900)}
.flags a span{font-size:12.5px;color:var(--ink-3);font-weight:600;letter-spacing:.04em}

/* dark stats */
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:28px 18px}
@media (min-width:820px){.stats{grid-template-columns:repeat(4,1fr)}}
.stat{text-align:left;border-left:2px solid rgba(156,195,234,.35);padding-left:18px}
.stat b{display:block;font-size:clamp(28px,3.4vw,42px);font-weight:800;letter-spacing:-.035em;color:#fff;line-height:1.05}
.stat span{display:block;font-size:14.5px;color:#BFD0E2;margin-top:8px;line-height:1.45}

/* inner-page hero */
.page-hero{padding:clamp(22px,3vw,34px) 0 clamp(64px,7vw,92px);background:radial-gradient(900px 380px at 90% -20%,rgba(58,116,176,.16),transparent 60%),linear-gradient(180deg,var(--sage) 0,var(--cream) 100%)}
.crumbs{font-size:13.5px;color:var(--ink-3);margin:0 0 20px;font-weight:600}
.crumbs a{color:var(--ink-3);text-decoration:none}
.crumbs a:hover{color:var(--g900)}
.crumbs .sep{margin:0 9px;opacity:.5}
.crumbs span:last-child{color:var(--g800)}
.page-hero h1{max-width:24ch;margin-bottom:.35em}
.page-hero .lede{font-size:clamp(17.5px,1.8vw,20px);color:var(--ink-2);max-width:68ch;line-height:1.6}
.page-hero .lede p{margin:0 0 .8em}
.page-hero .lede p:last-child{margin:0}
.page-hero .lede a{color:var(--g700)}
.updated{display:inline-flex;align-items:center;gap:8px;font:600 13px var(--sans);color:var(--g800);background:rgba(255,255,255,.8);border:1px solid rgba(20,48,79,.1);padding:6px 13px;border-radius:999px;margin:0 0 20px}
.updated::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--g500)}
.updated b{font-weight:800}

/* page body */
.page{padding:0 0 clamp(48px,6vw,90px);margin-top:-44px;position:relative}
.page-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:26px;align-items:start}
@media (min-width:1000px){.page-grid{grid-template-columns:minmax(0,1fr) 352px;gap:32px}}
.page-grid.noaside{grid-template-columns:minmax(0,1fr)!important}
.panel{background:var(--white);border:1px solid rgba(20,48,79,.07);border-radius:var(--r-l);box-shadow:var(--sh-1);padding:clamp(22px,3.6vw,46px)}
.prose{min-width:0}
.prose>*:first-child{margin-top:0}
.prose h2{margin:2em 0 .5em;padding-top:.1em}
.prose>h2:first-child{margin-top:0}
.prose h3{margin:1.5em 0 .4em}
.prose p,.prose li{color:#263646}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin:.45em 0}
.prose li::marker{color:var(--g500)}
.prose strong{font-weight:700;color:var(--ink)}
.prose a{font-weight:600;overflow-wrap:anywhere}
.prose{overflow-wrap:break-word}
.prose.wide>p,.prose.wide>ul,.prose.wide>ol,.prose.wide>h2,.prose.wide>.callout,.prose.wide>.faq,.prose.wide>.keyfacts,.prose.wide>.steps,.prose.wide>.sources,.prose.wide>.disclaimer{max-width:74ch}

/* callouts */
.callout{border:1px solid var(--g100);border-left:5px solid var(--g500);background:var(--sage);padding:18px 22px;border-radius:var(--r-s);margin:1.6em 0}
.callout.warn{border-color:#F0D3CC;border-left-color:var(--warn);background:var(--warn-soft)}
.callout.gold{border-color:#EDE0BE;border-left-color:var(--gold);background:var(--gold-soft)}
.callout p:last-child{margin:0}
.callout h3{margin:0 0 .35em;font-size:17.5px}
.callout p{color:#263646}
.keyfacts{list-style:none;padding:0;margin:0 0 1.6em;border:1px solid var(--line);border-radius:var(--r-m);background:var(--cream);overflow:hidden}
.keyfacts li{display:grid;grid-template-columns:minmax(130px,36%) 1fr;gap:16px;padding:14px 20px;border-bottom:1px solid var(--line);margin:0}
.keyfacts li:last-child{border-bottom:0}
.keyfacts .k{color:var(--g700);font-size:13.5px;font-weight:800;letter-spacing:.02em;padding-top:2px}
.keyfacts .v{font-weight:600}
.steps{list-style:none;padding:0;margin:0 0 1.6em;counter-reset:s}
.steps li{position:relative;padding:0 0 22px 60px;margin:0;counter-increment:s}
.steps li:not(:last-child)::after{content:"";position:absolute;left:19px;top:44px;bottom:6px;width:2px;background:var(--g100)}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:linear-gradient(160deg,var(--g500),var(--g800));color:#fff;display:grid;place-items:center;font:800 16px var(--sans);box-shadow:0 4px 10px rgba(26,63,102,.2)}
.steps li h3{margin:.3em 0 .3em;font-size:18.5px}
.steps li p{margin:0 0 .4em}

/* tables */
.table-wrap{overflow-x:auto;margin:0 0 1.6em;border:1px solid var(--line);border-radius:var(--r-m);background:var(--white);-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:15px}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--sage);font-size:12px;color:var(--g800);font-weight:800;letter-spacing:.06em;text-transform:uppercase;line-height:1.3}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
tbody tr:hover td,tbody tr:hover th{background:#FAF8F3}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
th[scope=row]{font-weight:700;white-space:nowrap}
.table-note{font-size:13.5px;color:var(--ink-3);margin:-.9em 0 1.6em}

/* FAQ */
.faq{margin:0 0 1.6em;display:grid;gap:10px}
.faq details{border:1px solid var(--line);border-radius:var(--r-s);background:var(--white);transition:.15s}
.faq details[open]{background:var(--cream);border-color:var(--line-2)}
.faq summary{cursor:pointer;font-weight:700;padding:16px 20px;font-size:16.5px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;line-height:1.4;color:var(--g900)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:28px;height:28px;border-radius:50%;background:var(--g100);color:var(--g600);display:grid;place-items:center;font:600 20px/1 var(--sans);padding-bottom:2px}
.faq details[open] summary::after{content:"\2212";background:var(--g600);color:#fff}
.faq summary:hover{color:var(--g600)}
.faq .a{padding:0 20px 18px;color:var(--ink-2)}
.faq .a p:last-child{margin:0}

/* sources */
.sources{font-size:14px;color:var(--ink-2);margin:2.6em 0 0;padding:22px 24px;background:var(--cream);border-radius:var(--r-m)}
.sources h2{font-size:15px;margin:0 0 .6em;letter-spacing:.08em;text-transform:uppercase;color:var(--g800);font-weight:800}
.sources ul{padding-left:1.1em;margin:0}
.sources li{margin:.35em 0;word-break:break-word}
.disclaimer{font-size:13.5px;color:var(--ink-3);margin:1.8em 0 0;line-height:1.55}

/* aside / cards */
.aside{display:grid;gap:18px;align-content:start;align-self:stretch}
@media (min-width:1000px){.aside .toc{position:sticky;top:92px}}
.card{background:var(--white);border:1px solid rgba(20,48,79,.08);border-radius:var(--r-m);padding:24px;box-shadow:var(--sh-1)}
.card h2{font-size:22px;margin:0 0 8px;letter-spacing:-.025em}
.card h3{font-size:16px;margin:0 0 10px;letter-spacing:-.01em;font-weight:800}
.card>p{color:var(--ink-2);font-size:15px}
.card ul.plain{list-style:none;padding:0;margin:0}
.card ul.plain li{margin:0;font-size:15px;border-bottom:1px solid var(--line)}
.card ul.plain li:last-child{border:0}
.card ul.plain a{text-decoration:none;font-weight:600;display:block;padding:9px 0}
.card.lead{background:linear-gradient(180deg,#fff,#FBFAF5);border-color:rgba(42,95,153,.28);box-shadow:var(--sh-2)}
.card.lead .eyebrow{margin-bottom:14px;font-size:12px;padding:5px 12px}
.toc{font-size:14.5px}
.toc ol{padding-left:0;margin:0;list-style:none;counter-reset:t}
.toc li{margin:0;counter-increment:t}
.toc a{text-decoration:none;display:flex;gap:10px;padding:7px 0;color:var(--ink-2);font-weight:600;line-height:1.35}
.toc a::before{content:counter(t);flex:none;width:22px;height:22px;border-radius:50%;background:var(--g100);color:var(--g700);display:grid;place-items:center;font:800 11px var(--sans);margin-top:1px}
.toc a:hover{color:var(--g900)}
.form-card{max-width:680px}
.panel .card,.panel .form-card{background:var(--cream);box-shadow:none;border-color:var(--line)}
.panel .card.calc{background:var(--cream)}

/* city rows (new homes) */
.city-rows{list-style:none;padding:0;margin:0 0 1.8em;display:grid;gap:10px}
.city-rows li{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr) minmax(0,1.2fr) auto;gap:16px;align-items:center;padding:16px 22px;border:1px solid var(--line);border-radius:var(--r-m);margin:0;background:var(--white);transition:.15s}
.city-rows li:hover{border-color:var(--g500);box-shadow:var(--sh-1);transform:translateY(-1px)}
.city-rows .cn>a{font-weight:800;font-size:19px;text-decoration:none;color:var(--g900);letter-spacing:-.02em}
.city-rows .cn span{display:block;font-size:13px;color:var(--ink-3);font-weight:600;letter-spacing:.04em}
.city-rows .cv{font-size:14px;color:var(--ink-3);font-weight:500}
.city-rows .cv b{display:block;color:var(--ink);font-weight:700;font-size:15.5px}
.city-rows li>span:last-child a{display:inline-block;background:var(--g100);color:var(--g700);font-weight:700;text-decoration:none;padding:9px 16px;border-radius:999px;font-size:14px}
.city-rows li:hover>span:last-child a{background:var(--g600);color:#fff}
@media (max-width:700px){.city-rows li{grid-template-columns:1fr auto;padding:14px 16px}.city-rows .cv:nth-child(3){display:none}}

/* forms */
.ta-form{display:grid;gap:15px}
.form-note{font-size:13.5px;color:var(--ink-3);font-weight:600;margin:0 0 -2px}
.field label{display:block;font-weight:700;font-size:14.5px;margin-bottom:6px;color:var(--ink)}
.field .hint{font-size:13px;color:var(--ink-3);margin:-3px 0 7px;line-height:1.4}
.field input,.field select,.field textarea{width:100%;font:500 16px var(--sans);padding:13px 15px;border:1.5px solid var(--line-2);border-radius:var(--r-s);background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s;appearance:none;-webkit-appearance:none}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' fill='none' stroke='%231F4D7D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m1 1.5 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center;padding-right:40px;text-overflow:ellipsis}
.field input::placeholder{color:#9AA6B2;font-weight:400}
.field input:hover,.field select:hover,.field textarea:hover{border-color:#A9B4C0}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--g500);box-shadow:0 0 0 4px rgba(58,116,176,.16)}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:var(--warn);box-shadow:0 0 0 4px rgba(163,58,43,.1)}
.field .err{color:var(--warn);font-size:13px;margin:6px 0 0;font-weight:600}
.field.check{display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:start}
.field.check input{width:20px;height:20px;margin-top:2px;padding:0;accent-color:var(--g600);appearance:auto;-webkit-appearance:checkbox}
.field.check label{font-weight:500;font-size:13.5px;color:var(--ink-2);line-height:1.5;margin:0}
.field.check .err{grid-column:2;margin:0}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.form-status{font-size:14.5px;margin:0;min-height:1em}
.form-status.ok{color:var(--g700);font-weight:700;background:var(--g100);padding:16px 18px;border-radius:var(--r-s)}
.form-status.bad{color:var(--warn);font-weight:600}
.ta-form.sent .field,.ta-form.sent button,.ta-form.sent .form-note,.ta-form.sent .small{display:none}
.ta-form .small{color:var(--ink-3);font-size:12.5px;line-height:1.55;margin:0}
.row-2{display:grid;grid-template-columns:1fr;gap:15px}
@media (min-width:560px){.row-2{grid-template-columns:1fr 1fr}}
.ta-form.full{grid-template-columns:1fr;}
@media (min-width:640px){.ta-form.full{grid-template-columns:1fr 1fr}.ta-form.full>.field.span,.ta-form.full>.field.check,.ta-form.full>button,.ta-form.full>.form-status,.ta-form.full>.small,.ta-form.full>.form-note{grid-column:1/-1}}

/* footer */
.site-foot{background:var(--g900);color:#BFD0E2;margin-top:0;padding:64px 0 28px}
.foot-grid{display:grid;grid-template-columns:1fr;gap:34px}
@media (min-width:860px){.foot-grid{grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}}
.site-foot .brand{color:#fff}
.site-foot .brand b{color:#9CC3EA}
.site-foot .brand .mark{background:linear-gradient(160deg,#4F86BD,var(--g700));box-shadow:none}
.site-foot .brand small{color:#9DB5CC}
.site-foot p{font-size:14.5px;line-height:1.6}
.foot-h{font:800 11.5px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:#9CC3EA;margin:0 0 14px}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin:9px 0;font-size:14.5px}
.site-foot a{color:#E8EFF7;text-decoration:none;font-weight:500}
.site-foot a:hover{color:#fff;text-decoration:underline}
.foot-small{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:22px;font-size:13px;color:#9DB5CC}
.foot-small p{font-size:13px;margin:0 0 9px;line-height:1.6;max-width:110ch}

/* calculator */
.calc{margin:1.6em 0}
.calc .row-2{margin-bottom:14px}
.calc>.field{margin-bottom:6px}
.calc h3{font-size:20px;margin-bottom:6px}
.calc-out{border:1px solid var(--line);border-radius:var(--r-m);overflow:hidden;margin:10px 0 14px;background:var(--white)}
.calc-out div{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:13px 18px;border-bottom:1px solid var(--line);font-size:15px;color:var(--ink-2)}
.calc-out div:last-child{border-bottom:0}
.calc-out b{font-variant-numeric:tabular-nums;white-space:nowrap;color:var(--ink);font-weight:800}
.calc-out .tot{background:var(--g900);color:#D3E0EE;border-bottom:0}
.calc-out .tot b{font-size:22px;color:#fff;letter-spacing:-.02em}
.calc-warn{color:var(--warn);font-weight:700}
.cards-3{display:grid;grid-template-columns:1fr;gap:14px;margin:0 0 1.6em}
@media (min-width:720px){.cards-3{grid-template-columns:repeat(3,1fr)}}
.cards-3 .card h3{font-size:18px}
.badge{display:inline-block;font:800 11.5px var(--sans);letter-spacing:.05em;text-transform:uppercase;padding:5px 11px;border-radius:999px;background:var(--g100);color:var(--g700);line-height:1.3}
.badge.no{background:var(--warn-soft);color:var(--warn)}
.badge.maybe{background:var(--gold-soft);color:var(--gold-ink)}
.dev-table td small{display:block;color:var(--ink-3);font-size:13px}
.dev-table td:first-child{min-width:200px}
.dev-table a{color:var(--g800)}

@media (max-width:560px){
  .panel{padding:22px 16px;border-radius:20px}
  .callout{padding:15px 16px}
  .card{padding:20px 18px}
  .sources{padding:18px 16px}
  .keyfacts li{grid-template-columns:1fr;gap:2px}
  .table-wrap table{font-size:14px}
  th,td{padding:11px 13px}
  .steps li{padding-left:54px}
  .hero-actions .btn,.hero-actions .btn-ghost{width:100%}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.site-head,.notice,.aside,.site-foot,.trust{display:none}.panel{box-shadow:none;border:0}.page{margin-top:0}}

/* ---------- buyer plan ---------- */
[hidden]{display:none!important}
.plan-hero{padding-bottom:clamp(12px,2vw,24px)}
.plan-layout{display:grid;grid-template-columns:minmax(0,1fr);gap:32px;align-items:start}
@media (min-width:940px){.plan-layout{grid-template-columns:minmax(0,1fr) 340px;gap:48px}.plan-side{position:sticky;top:110px}}
.plan-side h2{font-size:24px}
.plan-side .checks svg.i{color:var(--g500)}
.plan-trust{display:flex;gap:12px;align-items:flex-start;margin-top:26px;padding:16px 18px;background:var(--white);border:1px solid var(--line);border-radius:var(--r-m);color:var(--ink-2);font-size:14.5px;line-height:1.55}
.plan-trust svg.i{color:var(--g600);width:22px;height:22px;margin-top:2px}
.plan-trust p{margin:0}
.pf{gap:18px}
.pf-steps{list-style:none;display:flex;gap:10px;padding:0;margin:0}
.pf-steps li{flex:1;display:flex;align-items:center;gap:10px;font:700 13.5px/1.2 var(--sans);color:var(--ink-3);padding:10px 12px;border-radius:12px;background:var(--cream);margin:0}
.pf-steps li span{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;background:var(--line-2);color:#fff;font-size:12.5px;flex:none}
.pf-steps li.on{color:var(--g900);background:var(--g100)}
.pf-steps li.on span{background:var(--g600)}
.pf-step{display:grid;gap:15px;grid-template-columns:minmax(0,1fr)}
.pf .span{grid-column:1/-1}
@media (min-width:640px){.pf.wide .pf-step{grid-template-columns:1fr 1fr}}
.pf-actions{display:flex;gap:12px;align-items:stretch}
.pf-actions .btn{flex:1}
.pf-actions .btn-ghost{flex:none}
.pf-broker{border:1.5px dashed var(--line-2);border-radius:var(--r-s);padding:14px 16px;background:var(--cream)}
.pf-broker .field.check{margin-bottom:10px}
.pf-broker .small{margin:0}
.money{position:relative}
.money span{position:absolute;left:15px;top:50%;transform:translateY(-50%);font-weight:700;color:var(--ink-3);font-size:15px;pointer-events:none}
.money input{padding-left:46px}
.pf-card{max-width:760px}

.plan-panel{background:var(--white);border:1px solid var(--line);border-radius:var(--r-l);padding:clamp(22px,4vw,44px);box-shadow:var(--sh-1)}
.plan-out{max-width:880px;margin:8px auto 0}
.plan-out .sc{display:none}
.plan-head .eyebrow{margin-bottom:12px}
.plan-head h2{margin:0 0 .2em}
.plan-sub{color:var(--ink-2);font-weight:600;margin:0}
.plan-verdict{display:flex;gap:16px;align-items:flex-start;border-radius:var(--r-m);padding:18px 20px;margin:22px 0}
.plan-verdict .vi{flex:none;width:40px;height:40px;border-radius:50%;display:grid;place-items:center;font-size:21px}
.plan-verdict b{display:block;font-size:19px;color:var(--g900);margin-bottom:4px;line-height:1.3}
.plan-verdict p{margin:0;font-size:15.5px;color:var(--ink-2)}
.plan-verdict.warn{background:var(--gold-soft);border:1px solid #EDE0BE}
.plan-verdict.warn .vi{background:var(--gold);color:#fff}
.plan-verdict.ok{background:var(--g100);border:1px solid rgba(42,95,153,.25)}
.plan-verdict.ok .vi{background:var(--g600);color:#fff}
.plan-stats{display:grid;grid-template-columns:minmax(0,1fr);gap:12px;margin:0 0 6px}
@media (min-width:720px){.plan-stats{grid-template-columns:repeat(3,minmax(0,1fr))}}
.plan-stats>div{background:var(--cream);border:1px solid var(--line);border-radius:var(--r-m);padding:16px 18px}
.plan-stats span{display:block;font:800 11.5px var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3)}
.plan-stats b{display:block;font-size:25px;letter-spacing:-.03em;color:var(--gold);line-height:1.15;margin:6px 0 5px;font-variant-numeric:tabular-nums}
.plan-stats small{display:block;color:var(--ink-3);font-size:13px;line-height:1.4}
.plan-notes{margin:0 0 1.4em;font-size:15px}
.prose .plan-proj{list-style:none;padding:0;margin:0 0 1em;display:grid;gap:10px}
.plan-proj li{background:var(--cream);border:1px solid var(--line);border-radius:var(--r-s);padding:13px 16px;margin:0}
.plan-proj a{display:block}
.plan-proj span{display:block;font-size:14.5px;color:var(--ink-2)}
.plan-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.plan-out .calc-out{margin:10px 0 14px}
@media (max-width:560px){.plan-out .sn{display:none}.plan-out .sc{display:inline;font-weight:700}.plan-panel{padding:22px 16px}.plan-panel .steps li{padding-left:50px}.plan-panel .steps li::before{width:34px;height:34px}.plan-panel .steps li:not(:last-child)::after{left:16px;top:38px}.plan-panel th,.plan-panel td{padding:11px 8px}.pf-steps li{font-size:12.5px;padding:9px 10px}.pf-actions{flex-direction:column-reverse}.pf-actions .btn-ghost{width:100%}.plan-verdict{padding:16px}}
@media print{
  .envbar,.notice,.site-head,.site-foot,.plan-actions,.skip{display:none!important}
  body{background:#fff}
  .plan-panel{border:0;box-shadow:none;padding:0}
  .plan-out{max-width:none}
}

/* ---------- loan roadmap ---------- */
.rm-nav{display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 26px}
.rm-nav a{font:700 13.5px var(--sans);text-decoration:none;background:var(--g100);color:var(--g700);padding:8px 14px;border-radius:999px}
.rm-nav a:hover{background:var(--g600);color:#fff}
.plan-out h3{scroll-margin-top:96px}
.plan-out h4{font-size:14px;margin:1.4em 0 .6em;letter-spacing:.06em;text-transform:uppercase;color:var(--g800);font-weight:800}
.rm-cur{background:var(--cream);border:1px solid var(--line);border-radius:var(--r-m);padding:16px 18px}
.rm-cur b{display:block;color:var(--g900);font-size:17px;margin-bottom:4px}
.rm-cur p{margin:0;color:var(--ink-2);font-size:15.5px}
.callout-line{background:var(--gold-soft);border:1px solid #EDE0BE;border-radius:var(--r-s);padding:14px 18px;margin:0 0 1.2em}
table.cost th{font-weight:700;width:44%;color:var(--ink)}
table.cost td{color:var(--ink-2)}
tr.hi td{background:var(--g100);font-weight:700}
.doc-group{margin:0 0 1.3em}
.doc-group h4{margin:1em 0 .6em}
.prose .doc-list,.doc-list{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.doc-list li{margin:0;background:var(--cream);border:1px solid var(--line);border-radius:var(--r-s)}
.doc-list label{display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:start;padding:11px 14px;cursor:pointer;font-size:15.5px;line-height:1.5;color:var(--ink-2)}
.doc-list input{width:20px;height:20px;margin-top:2px;accent-color:var(--g600)}
.doc-list input:checked+span{color:var(--ink-3);text-decoration:line-through}
.steps li .when{display:inline-block;font:800 11.5px var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--g600);background:var(--g100);padding:4px 10px;border-radius:999px;margin-bottom:4px}
.q-list{padding-left:1.25em}
.q-list li{margin:.6em 0}
@media print{.rm-nav{display:none}}