/* ============================================================
   Budget Finance — budgetfinance.au
   Design language: "Gallery" (locked round 9) — light, clean,
   Apple-style. Palette anchored to the BF logo blue #0066cc.
   Mobile-first. No frameworks, no build step.
   ============================================================ */

:root{
  --bg:#fbfbfd;
  --card:#f5f5f7;
  --ink:#1d1d1f;
  --dim:#6e6e73;
  --faint:#a1a1a6;
  --accent:#0066cc;          /* BF logo blue */
  --accent-dark:#0052a3;
  --dark:#0b0b0d;
  --sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Inter,Roboto,Helvetica,Arial,sans-serif;
  --serif:'Iowan Old Style','Palatino Linotype',Palatino,Georgia,serif;
  --radius:26px;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--sans);
  background:var(--bg);
  color:var(--ink);
  -webkit-font-smoothing:antialiased;
  line-height:1.5;
}
img{max-width:100%;display:block}
a{text-decoration:none;color:var(--accent)}

/* ---------- Nav ---------- */
.nav{
  position:fixed;top:0;left:0;right:0;z-index:60;
  display:flex;align-items:center;justify-content:space-between;
  height:52px;padding:0 18px;
  background:rgba(255,255,255,.8);
  backdrop-filter:blur(20px) saturate(1.8);
  -webkit-backdrop-filter:blur(20px) saturate(1.8);
  border-bottom:1px solid rgba(0,0,0,.06);
}
.brand{display:flex;align-items:center;gap:9px}
.brand svg,.brand img{height:22px;width:auto}
.brand .word{font-size:15px;font-weight:650;letter-spacing:-.01em;color:var(--ink)}
.nav-links{display:none}
.nav-right{display:flex;align-items:center;gap:14px}
.nav-tel{font-size:13.5px;color:var(--dim);font-variant-numeric:tabular-nums}
.nav-tel:hover{color:var(--ink)}

/* hamburger */
.burger{
  width:38px;height:38px;border:0;background:none;cursor:pointer;
  display:flex;flex-direction:column;justify-content:center;align-items:center;gap:5px;
}
.burger span{display:block;width:18px;height:1.8px;background:var(--ink);border-radius:2px;transition:transform .25s ease,opacity .25s ease}
.menu-open .burger span:nth-child(1){transform:translateY(6.8px) rotate(45deg)}
.menu-open .burger span:nth-child(2){opacity:0}
.menu-open .burger span:nth-child(3){transform:translateY(-6.8px) rotate(-45deg)}

.menu{
  position:fixed;top:52px;left:0;right:0;z-index:55;
  background:rgba(251,251,253,.97);
  backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);
  border-bottom:1px solid rgba(0,0,0,.06);
  padding:14px 24px 26px;
  display:none;
}
.menu-open .menu{display:block}
.menu a{
  display:block;padding:13px 0;font-size:19px;font-weight:600;color:var(--ink);
  border-bottom:1px solid rgba(0,0,0,.05);letter-spacing:-.015em;
}
.menu a:last-child{border-bottom:0}
.menu a.active{color:var(--accent)}

/* ---------- Hero ---------- */
.hero{padding:112px 20px 30px;text-align:center;background:linear-gradient(180deg,#fff 0%,#fff 72%,var(--bg) 100%)}
h1{
  font-size:clamp(37px,10vw,90px);
  font-weight:700;letter-spacing:-.028em;line-height:1.07;
}
h1 .rotw{
  font-family:var(--serif);font-style:italic;font-weight:700;color:var(--accent);
  display:inline-block;transition:opacity .4s ease;letter-spacing:-.01em;
}
.hero .sub{
  font-size:clamp(16px,4.5vw,21px);color:var(--dim);
  margin:16px auto 0;max-width:32ch;line-height:1.45;
}
/* hero turntable video (poster doubles as the static fallback) */
.hero-media{
  max-width:1380px;margin:38px auto 0;
  border-radius:var(--radius);overflow:hidden;
  background:linear-gradient(180deg,#f7f8fa 0%,#eef0f4 100%);
}
.hero-media{position:relative}
.hero-video{width:100%;height:auto;display:block;aspect-ratio:16/9;object-fit:cover}
/* hero social-proof ribbon (placeholder text until wired to HubSpot settled deals) */
.hero-ribbon{
  position:absolute;left:12px;bottom:12px;z-index:2;
  display:inline-flex;align-items:center;gap:9px;
  padding:8px 15px 8px 12px;border-radius:999px;
  background:rgba(255,255,255,.82);
  backdrop-filter:blur(10px) saturate(1.6);-webkit-backdrop-filter:blur(10px) saturate(1.6);
  border:1px solid rgba(0,0,0,.06);
  font-size:12.5px;font-weight:600;color:var(--ink);
  font-variant-numeric:tabular-nums;letter-spacing:-.005em;
  box-shadow:0 4px 18px rgba(0,0,0,.06);
  max-width:calc(100% - 24px);
}
.hero-ribbon .rib-dot{
  width:7px;height:7px;border-radius:50%;background:#2fbf5b;flex:0 0 auto;
  box-shadow:0 0 0 3px rgba(47,191,91,.18);
}
.hero-ribbon .rib-item{display:none;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.hero-ribbon .rib-item.is-on{display:inline;animation:ribIn .5s ease}
@keyframes ribIn{from{opacity:0;transform:translateY(3px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.hero-ribbon .rib-item.is-on{animation:none}}

.page-hero{padding:118px 20px 26px;text-align:center;background:#fff}
.page-hero h1{font-size:clamp(33px,8.8vw,62px)}
.page-hero .sub{font-size:clamp(16px,4.4vw,20px);color:var(--dim);margin:14px auto 0;max-width:36ch}

/* CTAs */
.cta{display:flex;justify-content:center;align-items:center;gap:22px;margin-top:26px;flex-wrap:wrap}
.pill{
  display:inline-block;background:var(--accent);color:#fff;
  font-size:16px;font-weight:550;padding:13px 28px;border-radius:999px;
  transition:background .2s ease;
}
.pill:hover{background:var(--accent-dark)}
.tlink{color:var(--accent);font-size:16px;font-variant-numeric:tabular-nums}
.tlink:hover{text-decoration:underline}

/* ---------- Sections ---------- */
section{padding:96px 18px;text-align:center}
.tight{padding-top:0}
.statement h2,.section-title{
  font-size:clamp(29px,8vw,56px);
  font-weight:700;letter-spacing:-.022em;line-height:1.1;
}
.statement p,.section-sub{
  font-size:clamp(16px,4.4vw,20px);color:var(--dim);
  margin:16px auto 0;max-width:34ch;line-height:1.5;
}

/* ---------- Tiles ---------- */
.tiles{display:grid;grid-template-columns:1fr;gap:14px;max-width:1380px;margin:44px auto 0;text-align:center}
.tiles.flush{margin-top:0}
.tile{background:var(--card);border-radius:var(--radius);padding:44px 28px}
.tile h3{font-size:22px;font-weight:700;letter-spacing:-.015em}
.tile .big{font-size:34px;font-weight:700;letter-spacing:-.02em}
.tile p{font-size:15px;color:var(--dim);margin-top:7px;line-height:1.5}
.tile.blue{background:var(--accent);color:#fff}
.tile.blue p{color:rgba(255,255,255,.78)}
.tile.dark{background:var(--dark);color:#f5f5f7}
.tile.dark p{color:#86868b}
.tile.media{padding:0;overflow:hidden;position:relative;min-height:200px}
.tile.media img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.tile.media .cap{
  position:absolute;left:14px;bottom:12px;font-size:12px;font-weight:600;color:var(--ink);
  background:rgba(255,255,255,.85);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);
  padding:6px 13px;border-radius:999px;
}
.tile.media{aspect-ratio:16/9}
.tile.wide{grid-column:1/-1}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:1fr;gap:14px;max-width:1100px;margin:44px auto 0}
.step{background:var(--card);border-radius:var(--radius);padding:40px 28px;text-align:center}
.step .num{
  display:inline-flex;align-items:center;justify-content:center;
  width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;
  font-size:15px;font-weight:700;margin-bottom:14px;
}
.step h3{font-size:20px;font-weight:700;letter-spacing:-.015em}
.step p{font-size:15px;color:var(--dim);margin-top:6px}

/* ---------- Service blocks ---------- */
.svc{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1fr;gap:14px}
.svc-card{background:var(--card);border-radius:var(--radius);overflow:hidden;text-align:left}
.svc-card .media{aspect-ratio:16/9;position:relative;overflow:hidden}
.svc-card .media img{width:100%;height:100%;object-fit:cover}
.svc-card .body{padding:28px 26px 32px}
.svc-card h3{font-size:23px;font-weight:700;letter-spacing:-.018em}
.svc-card p{font-size:15.5px;color:var(--dim);margin-top:8px;line-height:1.55}
.svc-card ul{margin:14px 0 0;padding:0;list-style:none}
.svc-card li{
  font-size:14.5px;color:var(--ink);padding:7px 0 7px 26px;position:relative;
}
.svc-card li::before{
  content:"";position:absolute;left:2px;top:13px;width:12px;height:8px;
  background:var(--accent);
  clip-path:polygon(0 0,55% 0,100% 50%,55% 100%,0 100%,45% 50%);
}

/* ---------- Prose (about) ---------- */
.prose{max-width:640px;margin:0 auto;text-align:left}
.prose p{font-size:clamp(16px,4.4vw,19px);color:var(--ink);line-height:1.65;margin-top:20px}
.prose p:first-child{margin-top:0}
.prose .lead{font-size:clamp(18px,5vw,23px);font-weight:600;letter-spacing:-.015em}

/* ---------- Contact ---------- */
.contact-grid{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1fr;gap:14px;text-align:left}
.info-card{background:var(--card);border-radius:var(--radius);padding:30px 26px}
.info-card h3{font-size:15px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--dim)}
.info-card .val{font-size:20px;font-weight:650;letter-spacing:-.015em;margin-top:8px;display:inline-block;color:var(--ink)}
a.val:hover{color:var(--accent)}
.info-card .note{font-size:14px;color:var(--dim);margin-top:6px}
.info-card .maplink{display:inline-block;margin-top:10px;font-size:14.5px;font-weight:550}

/* ---------- Form ---------- */
.form-card{background:var(--card);border-radius:var(--radius);padding:32px 26px 38px;max-width:640px;margin:0 auto;text-align:left}
.form-card h2{font-size:clamp(24px,6.4vw,32px);font-weight:700;letter-spacing:-.02em;text-align:center}
.form-card .form-sub{font-size:15px;color:var(--dim);text-align:center;margin-top:8px}
.field{margin-top:20px}
label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:7px;letter-spacing:.01em}
label .opt{font-weight:400;color:var(--faint)}
input,select{
  width:100%;height:50px;padding:0 16px;
  font-family:var(--sans);font-size:16px;color:var(--ink);
  background:#fff;border:1px solid rgba(0,0,0,.12);border-radius:14px;
  appearance:none;-webkit-appearance:none;
  transition:border-color .15s ease,box-shadow .15s ease;
}
select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236e6e73' stroke-width='1.8' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;
}
input:focus,select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(0,102,204,.15)}
input.invalid{border-color:#d70015;box-shadow:0 0 0 3px rgba(215,0,21,.1)}
.submit{
  width:100%;height:52px;margin-top:26px;border:0;cursor:pointer;
  background:var(--accent);color:#fff;font-family:var(--sans);
  font-size:16.5px;font-weight:600;border-radius:999px;
  transition:background .2s ease;
}
.submit:hover{background:var(--accent-dark)}
.submit[disabled]{opacity:.55;cursor:default}
.form-msg{margin-top:14px;font-size:14.5px;text-align:center;color:#d70015;min-height:20px}
.hp-wrap{position:absolute;left:-9999px;top:-9999px;height:0;overflow:hidden}  /* honeypot */

/* success state */
.form-success{display:none;text-align:center;padding:34px 10px 20px}
.form-success .tick{
  width:56px;height:56px;border-radius:50%;background:var(--accent);
  display:inline-flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.form-success .tick svg{width:26px;height:26px}
.form-success h2{font-size:26px;font-weight:700;letter-spacing:-.02em}
.form-success p{font-size:16px;color:var(--dim);margin-top:10px}
.form-done .form-body{display:none}
.form-done .form-success{display:block}

/* ---------- Final CTA ---------- */
.final{padding:110px 18px;text-align:center}
.final h2{font-size:clamp(32px,9vw,60px);font-weight:700;letter-spacing:-.025em;line-height:1.08}
.final .cta{margin-top:28px}

/* ---------- Footer ---------- */
footer{padding:44px 24px 120px;background:#fff;border-top:1px solid rgba(0,0,0,.05);text-align:center}
.foot-nav{display:flex;justify-content:center;gap:22px;flex-wrap:wrap;margin-bottom:18px}
.foot-nav a{font-size:13.5px;color:var(--dim)}
.foot-nav a:hover{color:var(--ink)}
.foot-contact{font-size:13.5px;color:var(--dim);margin-bottom:20px}
.foot-contact a{color:var(--dim)}
.foot-contact a:hover{color:var(--ink)}
footer .legal{font-size:11.5px;color:var(--faint);line-height:1.65;max-width:640px;margin:0 auto}

/* ---------- Sticky mobile action bar ---------- */
.thumb-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:50;
  display:flex;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.85);
  backdrop-filter:blur(20px) saturate(1.8);-webkit-backdrop-filter:blur(20px) saturate(1.8);
  border-top:1px solid rgba(0,0,0,.07);
}
.thumb-bar a{
  flex:1;display:flex;align-items:center;justify-content:center;height:46px;
  border-radius:999px;font-size:15.5px;font-weight:600;
}
.thumb-bar .call{background:var(--card);color:var(--ink)}
.thumb-bar .quote{background:var(--accent);color:#fff}

/* ---------- Reveal ---------- */
.fade{opacity:0;transform:translateY(12px);transition:opacity .8s ease,transform .8s ease}
.fade.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .fade{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
}

/* ============================================================
   Desktop / tablet
   ============================================================ */
/* ============================================================
   Trust layer — reviews, lender panel, accreditation strip,
   media placeholders. Added 14/07/2026 (second pass).
   ============================================================ */

/* ---------- Google reviews carousel ---------- */
.reviews{padding:92px 18px;text-align:center;overflow:hidden}
.reviews h2{font-size:clamp(27px,7.4vw,46px);font-weight:700;letter-spacing:-.022em;line-height:1.1}
.reviews .rv-sub{font-size:15px;color:var(--dim);margin-top:10px}
.rv-track-wrap{max-width:720px;margin:38px auto 0;overflow:hidden}
.rv-track{display:flex;transition:transform .5s ease;will-change:transform}
.rv-card{flex:0 0 100%;box-sizing:border-box;padding:0 8px}
.rv-inner{
  background:var(--card);border-radius:var(--radius);
  padding:32px 30px;text-align:left;min-height:196px;
  display:flex;flex-direction:column;
}
.rv-stars{color:#f5a623;font-size:17px;letter-spacing:3px}
.rv-text{font-size:16.5px;color:var(--ink);line-height:1.6;margin-top:14px;flex:1}
.rv-meta{margin-top:18px;font-size:14px;color:var(--dim)}
.rv-meta b{color:var(--ink);font-weight:650}
.rv-dots{display:flex;justify-content:center;gap:9px;margin-top:26px}
.rv-dots button{width:8px;height:8px;border-radius:50%;border:0;background:rgba(0,0,0,.16);cursor:pointer;padding:0;transition:background .2s ease}
.rv-dots button.on{background:var(--accent)}
.rv-glink{display:inline-block;margin-top:22px;font-size:14px;font-weight:550;color:var(--accent)}

/* ---------- Lender panel strip (subtle, static) ---------- */
.panel{padding:64px 18px 82px;text-align:center}
.panel h2{font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:.09em;color:var(--dim)}
.panel .grid{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:11px 13px;max-width:1000px;margin:26px auto 0}
.panel .lender{
  font-size:13px;font-weight:600;color:var(--faint);
  padding:8px 15px;border:1px solid rgba(0,0,0,.09);border-radius:999px;
  filter:grayscale(1);transition:color .2s ease,border-color .2s ease;white-space:nowrap;
}
.panel .lender:hover{color:var(--dim);border-color:rgba(0,0,0,.2)}
.panel .note{font-size:12.5px;color:var(--faint);margin-top:22px;max-width:44ch;margin-left:auto;margin-right:auto;line-height:1.5}

/* ---------- Accreditation strip (in footer) ---------- */
.accred{
  display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:13px 22px;
  max-width:760px;margin:0 auto 30px;padding-bottom:30px;
  border-bottom:1px solid rgba(0,0,0,.07);
}
.accred .badge{
  display:inline-flex;align-items:center;justify-content:center;height:40px;padding:0 17px;
  border:1px solid rgba(0,0,0,.13);border-radius:10px;
  font-size:13.5px;font-weight:700;letter-spacing:.04em;color:var(--faint);
  filter:grayscale(1);opacity:.8;text-transform:uppercase;
  transition:opacity .2s ease,color .2s ease;
}
.accred .badge:hover{opacity:1;color:var(--dim)}

/* ---------- Media placeholder (pre image-gen) ---------- */
.media.ph{
  background:
    repeating-linear-gradient(45deg,rgba(0,0,0,.02) 0 12px,rgba(0,0,0,.04) 12px 24px),
    var(--card);
  display:flex;align-items:center;justify-content:center;
}
.media.ph span{
  font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  color:var(--faint);border:1px dashed rgba(0,0,0,.2);padding:8px 14px;border-radius:8px;background:rgba(255,255,255,.6);
}

@media(min-width:768px){
  .nav{height:58px;padding:0 44px}
  .burger,.menu{display:none!important}
  /* bigger logo + wordmark so the brand carries weight on a large monitor */
  .brand img{height:29px}
  .brand .word{font-size:17px}
  .nav-links{display:flex;gap:30px;position:absolute;left:50%;transform:translateX(-50%)}
  .nav-links a{font-size:13.5px;color:var(--dim);transition:color .15s ease}
  .nav-links a:hover,.nav-links a.active{color:var(--ink)}
  /* Hero fits the fold: single flex column sized to the viewport, with the
     turntable video flex-filling the space under the headline and showing the
     whole asset (contain, never cropped). Tested 1920x1080 + 1366x768. */
  .hero{
    min-height:100vh;
    display:flex;flex-direction:column;justify-content:flex-start;
    padding:86px 20px 26px;
  }
  .hero .sub{margin-top:14px}
  .hero .cta{margin-top:22px}
  .hero-media{
    flex:1 1 0;min-height:0;width:100%;margin:24px auto 0;
    display:flex;align-items:center;justify-content:center;
  }
  .hero-video{width:100%;height:100%;aspect-ratio:auto;object-fit:contain}
  .page-hero{padding-top:150px}
  .tiles{grid-template-columns:1fr 1fr 1fr}
  .tile{text-align:left}
  .steps{grid-template-columns:1fr 1fr 1fr}
  .svc{grid-template-columns:1fr 1fr}
  .svc-card .body{padding:32px 32px 38px}
  .contact-grid{grid-template-columns:1fr 1fr 1fr}
  .thumb-bar{display:none}
  footer{padding-bottom:56px}
}