/* LRBA Structures / BareTrustDeed.com.au — shared site styles
   Premium editorial design system. (The ad landing page at my.baretrustdeed.com.au
   deliberately uses a louder, direct-response variant of this brand.) */
:root{
  --ink:      #101E30;
  --navy:     #0A2240;
  --ink-soft: #46586E;
  --paper:    #FFFFFF;
  --tint:     #F4F7FB;
  --blue:     #2F7DE1;
  --blue-deep:#1A5CBF;
  --line:     #DCE4EE;
  --hairline: #E7EDF5;
  --green:    #1E8E5A;
  --radius:   10px;
  --col:      760px;
  --serif:    "Fraunces","Georgia",serif;
  --sans:     "Public Sans",-apple-system,sans-serif;
  --mono:     "IBM Plex Mono",monospace;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}
@media print{
  *{-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important}
  .topbar{position:static}
}
body{
  font-family:var(--sans);
  font-size:17px;line-height:1.7;color:var(--ink);background:var(--paper);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.08;letter-spacing:-.01em;color:var(--navy)}
h1{font-size:clamp(2.3rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem)}
h3{font-size:1.3rem;line-height:1.25}
p{margin-bottom:1.15em}
strong{font-weight:700}
a{color:var(--blue-deep)}
img{max-width:100%}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}

.wrap{max-width:var(--col);margin:0 auto;padding:0 24px}
.wrap--wide{max-width:1100px}
section{padding:96px 0}
@media(max-width:760px){section{padding:64px 0}}

.eyebrow{
  font-family:var(--mono);font-size:.72rem;font-weight:600;
  letter-spacing:.16em;text-transform:uppercase;color:var(--blue-deep);
  display:inline-flex;align-items:center;gap:.7em;margin-bottom:20px;
}
.eyebrow::before{content:"§";font-size:.9rem;line-height:1}
mark{
  background:linear-gradient(transparent 62%, rgba(47,125,225,.16) 62%);
  color:inherit;padding:0 .05em;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55em;
  font-family:var(--sans);font-weight:700;font-size:.98rem;letter-spacing:.01em;
  background:var(--navy);color:#fff;text-decoration:none;border:1px solid var(--navy);cursor:pointer;
  padding:15px 30px;border-radius:8px;
  transition:background .15s ease,border-color .15s ease,color .15s ease;
}
.btn:hover{background:var(--blue-deep);border-color:var(--blue-deep)}
.btn--big{font-size:1.05rem;padding:17px 36px}
.btn--ghost{background:transparent;color:var(--navy);border:1px solid var(--line)}
.btn--ghost:hover{background:transparent;border-color:var(--navy);color:var(--navy)}
.btn--light{background:#fff;color:var(--navy);border-color:#fff}
.btn--light:hover{background:var(--tint);border-color:var(--tint)}
.cta-center{text-align:center;margin-top:40px}

/* ---------- Top bar / nav ---------- */
.utility{
  background:var(--navy);color:#B9C9DE;font-size:.8rem;
  padding:8px 0;
}
.utility__in{max-width:1160px;margin:0 auto;padding:0 24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.utility a{color:#fff;text-decoration:none;font-weight:600}
.utility a:hover{text-decoration:underline}
@media(max-width:640px){.utility__in span:first-child{display:none}.utility__in{justify-content:center}}

.topbar{
  position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);
  backdrop-filter:blur(8px);border-bottom:1px solid var(--hairline);
}
.topbar__in{max-width:1160px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}
.brand__logo{height:44px;width:auto;flex-shrink:0}
.brand span{font-family:var(--serif);font-weight:600;font-size:1.3rem;color:var(--navy);line-height:1.05}
.brand small{display:block;font-family:var(--mono);font-weight:500;font-size:.58rem;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft);margin-top:3px}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav a{
  font-weight:600;font-size:.92rem;color:var(--ink);text-decoration:none;
  padding:10px 13px;border-radius:6px;
}
.nav a:hover{color:var(--blue-deep)}
.nav a[aria-current="page"]{color:var(--blue-deep);box-shadow:inset 0 -2px 0 var(--blue)}
.nav a.btn{padding:11px 22px;font-size:.9rem;margin-left:12px;color:#fff;border-radius:8px;white-space:nowrap}
.nav a.btn:hover{color:#fff;background:var(--blue-deep)}
.nav-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:1.2rem;cursor:pointer;color:var(--ink)}
@media(max-width:960px){
  .nav{
    display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;
    background:#fff;border-bottom:1px solid var(--line);padding:10px 24px 20px;gap:2px;
    box-shadow:0 24px 40px rgba(10,34,64,.10);
  }
  .nav.open{display:flex}
  .nav a{padding:13px 12px}
  .nav a[aria-current="page"]{box-shadow:none;background:var(--tint)}
  .nav .btn{margin:10px 0 0}
  .nav-toggle{display:block}
}

/* ---------- Page head (inner pages) ---------- */
.pagehead{padding:88px 0 56px;border-bottom:1px solid var(--hairline)}
.pagehead h1{max-width:820px;margin-bottom:0}
.pagehead .lead{font-size:1.15rem;color:var(--ink-soft);max-width:660px;margin:22px 0 0}
@media(max-width:760px){.pagehead{padding:56px 0 40px}}

/* ---------- Cards / panels ---------- */
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px}
.panel--ice,.panel--tint{background:var(--tint);border-color:transparent}
.panel h3{margin-bottom:12px}
.panel p:last-child{margin-bottom:0}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:820px){.grid-2,.grid-3{grid-template-columns:1fr}}

/* ---------- Numbered schedule list ---------- */
.schedule{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.schedule__head{padding:22px 32px;border-bottom:1px solid var(--line);display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap;background:var(--tint)}
.schedule__head h3{font-size:1.05rem}
.schedule__ref{font-family:var(--mono);font-size:.7rem;letter-spacing:.12em;color:var(--ink-soft);text-transform:uppercase}
.schedule ol{list-style:none;counter-reset:item}
.schedule li{counter-increment:item;display:grid;grid-template-columns:60px 1fr;gap:6px 22px;padding:26px 32px;border-bottom:1px solid var(--hairline)}
.schedule li:last-child{border-bottom:none}
.schedule li::before{
  content:counter(item,decimal-leading-zero);grid-row:1/9;
  font-family:var(--mono);font-weight:500;font-size:.95rem;color:var(--blue-deep);
  padding-top:4px;
}
.schedule b{font-family:var(--serif);font-weight:600;font-size:1.15rem;color:var(--navy)}
.schedule p,.schedule ul{grid-column:2;color:var(--ink-soft);font-size:.96rem;line-height:1.65;margin:0}
.schedule ul{list-style:none;margin-top:8px}
.schedule ul li{display:block;counter-increment:none;padding:4px 0;border:none;grid-template-columns:none}
.schedule ul li::before{content:"·";color:var(--blue);font-weight:800;margin-right:.6em;padding:0}

/* ---------- Ticks ---------- */
.ticks{list-style:none}
.ticks li{padding:6px 0;border-bottom:1px solid var(--hairline)}
.ticks li:last-child{border-bottom:none}
.ticks li::before{content:"✓";color:var(--green);font-weight:800;margin-right:.7em}

/* ---------- Callout ---------- */
.callout{border-left:3px solid var(--navy);background:var(--tint);border-radius:0 var(--radius) var(--radius) 0;padding:26px 30px;margin:34px 0}
.callout--blue{border-left-color:var(--blue)}
.callout p:last-child{margin-bottom:0}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:24px 4px;font-family:var(--serif);font-weight:600;font-size:1.15rem;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--mono);font-size:1.2rem;color:var(--blue-deep);flex-shrink:0;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 4px 26px;color:var(--ink-soft);font-size:.98rem;max-width:640px}
.faq .a p:last-child{margin:0}

/* ---------- CTA band ---------- */
.ctaband{background:var(--navy);color:#fff;padding:88px 0}
.ctaband h2{color:#fff;margin-bottom:16px}
.ctaband p{color:#B9C9DE;max-width:560px;margin:0 0 32px}
.ctaband a:not(.btn){color:#fff}

/* ---------- Forms ---------- */
.formcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:40px}
.formcard form{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:flex;flex-direction:column;gap:6px}
.field--full{grid-column:1/-1}
.field label{font-size:.85rem;font-weight:700}
.field input,.field select,.field textarea{font:inherit;padding:13px 14px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(47,125,225,.15)}
.field textarea{resize:vertical;min-height:130px}
.phonewrap{display:flex;align-items:stretch;border:1px solid var(--line);border-radius:8px;background:#fff;overflow:hidden}
.phonewrap:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(47,125,225,.15)}
.phone-prefix{display:flex;align-items:center;gap:.4em;padding:0 13px;background:var(--tint);border-right:1px solid var(--line);font-weight:700;font-size:.95rem;white-space:nowrap}
.phonewrap input{border:none;border-radius:0;flex:1;min-width:0}
.phonewrap input:focus{border:none;box-shadow:none;outline:none}
.formcard .btn{grid-column:1/-1;width:100%}
.formcard .fineprint{grid-column:1/-1;font-size:.82rem;color:var(--ink-soft);text-align:center;margin:0}
@media(max-width:600px){.formcard{padding:28px 20px}.formcard form{grid-template-columns:1fr}}

/* ---------- Footer ---------- */
.footer{background:var(--navy);color:#8FA6C4;font-size:.92rem;padding:72px 0 56px}
.footer a{color:#D3DFEF;text-decoration:none}
.footer a:hover{text-decoration:underline}
.footer__grid{max-width:1160px;margin:0 auto;padding:0 24px;display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:48px;align-items:start}
.footer__brand{display:flex;align-items:center;gap:12px;margin-bottom:20px}
.footer__brand img{height:46px;width:auto}
.footer__brand-name{font-family:var(--serif);font-weight:600;font-size:1.3rem;color:#fff;line-height:1.05}
.footer__brand-name small{display:block;font-family:var(--mono);font-weight:500;font-size:.58rem;letter-spacing:.16em;text-transform:uppercase;color:#8FA6C4;margin-top:3px}
.footer__blurb{max-width:420px;line-height:1.7;margin:0}
.footer__col h4{font-family:var(--mono);font-weight:600;font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:#5F7899;margin-bottom:16px}
.footer__col ul{list-style:none}
.footer__col li{padding:6px 0}
.footer__legal{max-width:1160px;margin:56px auto 0;padding:28px 24px 0;border-top:1px solid rgba(255,255,255,.12);font-size:.78rem;color:#5F7899;line-height:1.7}
.footer__legal p{margin-bottom:.7em}
.footer__legal p:last-child{margin-bottom:0}
@media(max-width:820px){.footer__grid{grid-template-columns:1fr;gap:36px}}

/* ---------- Long-form policy pages ---------- */
.policy{padding:40px 0 96px}
.policy h2{font-size:1.5rem;margin:2.4em 0 .8em}
.policy p,.policy ul{color:var(--ink-soft)}
.policy ul{margin:0 0 1.15em 1.3em}

/* ---------- Structure diagram (shared) ---------- */
.diagram{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px}
.diagram__title{font-family:var(--mono);font-size:.7rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:22px;text-align:center}
.diagram__row{display:flex;flex-direction:column;align-items:center}
.diagram__box{
  width:100%;max-width:340px;border:1px solid var(--line);border-radius:8px;
  padding:14px 18px;text-align:center;background:#fff;
}
.diagram__box b{font-family:var(--serif);font-weight:600;font-size:1.02rem;color:var(--navy);display:block}
.diagram__box span{font-size:.82rem;color:var(--ink-soft);display:block;margin-top:2px}
.diagram__box--navy{background:var(--navy);border-color:var(--navy)}
.diagram__box--navy b{color:#fff}
.diagram__box--navy span{color:#B9C9DE}
.diagram__box--tint{background:var(--tint);border-color:transparent}
.diagram__arrow{
  font-family:var(--mono);font-size:.74rem;color:var(--ink-soft);
  padding:10px 0;display:flex;flex-direction:column;align-items:center;gap:2px;
}
.diagram__arrow::before{content:"↓";color:var(--blue);font-size:1.05rem}