/* Chorus Finance brand tokens, copied from chorus-web tailwind.config.ts and globals.css */
@font-face { font-family: "Montserrat"; src: url("fonts/Montserrat-Variable-Latin.woff2") format("woff2"); font-weight: 100 900; font-display: swap; }
@font-face { font-family: "Poppins"; src: url("fonts/Poppins-Bold-Latin.woff2") format("woff2"); font-weight: 700; font-display: swap; }

:root {
  --midnight: #001244;
  --indigo: #060644;
  --cobalt: #005086;
  --sky: #318fb5;
  --ice: #d9edff;
  --sand: #e6dcca;
  --fog: #f0f0ea;
  --charcoal: #363d46;
  --slate-500: #64748b;
  --slate-600: #475569;
  --rule: rgba(0, 18, 68, 0.1);
  --display: "Poppins", "Montserrat", "Avenir Next", "Segoe UI", sans-serif;
  --body: "Montserrat", "Segoe UI", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 120px; }
html, body { overflow-x: clip; }
body { margin: 0; background: #fff; color: var(--charcoal); font-family: var(--body); -webkit-font-smoothing: antialiased; line-height: 1.5; }
a { color: inherit; }
h1, h2, h3, p, ol, dl { margin: 0; }

.shell { width: 100%; max-width: 80rem; margin: 0 auto; padding: 0 1rem; }
@media (min-width: 768px) { .shell { padding: 0 2rem; } }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; border-bottom: 1px solid #e2e8f0; background: rgba(255,255,255,.95); backdrop-filter: blur(24px); }
.notice { background: var(--midnight); font-size: 10px; font-weight: 600; text-transform: uppercase; letter-spacing: .14em; }
.notice .shell { display: flex; flex-wrap: wrap; justify-content: center; gap: .5rem; padding-top: .5rem; padding-bottom: .5rem; }
@media (min-width: 768px) { .notice .shell { justify-content: flex-start; } }
.notice a { color: rgba(255,255,255,.5); text-decoration: none; transition: color .15s; }
.notice a:hover, .notice a[aria-current] { color: #fff; }
.notice span { color: rgba(255,255,255,.3); }
.bar { display: flex; align-items: center; gap: 1.5rem; height: 5rem; }
.logo { display: block; width: 170px; aspect-ratio: 80 / 27; background: var(--midnight); -webkit-mask: url("brand/chorus-logo-440.webp") left center / contain no-repeat; mask: url("brand/chorus-logo-440.webp") left center / contain no-repeat; }
.logo--light { background: var(--sand); }
@media (min-width: 768px) { .logo { width: 220px; } }
.nav { display: none; flex: 1; justify-content: center; gap: 1.5rem; }
.nav a { font-size: .875rem; font-weight: 600; text-decoration: none; transition: color .15s; }
.nav a:hover { color: var(--midnight); }
@media (min-width: 1024px) { .nav { display: flex; } }
.bar-end { margin-left: auto; display: flex; align-items: center; gap: 1rem; }
.phone { display: none; font-size: .75rem; font-weight: 700; color: var(--midnight); text-decoration: none; }
@media (min-width: 1024px) { .phone { display: block; } }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; white-space: nowrap; border-radius: .375rem; padding: .75rem 1.25rem; font-size: .875rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; text-decoration: none; transition: background-color .15s, color .15s; }
.btn:focus-visible { outline: 2px solid var(--sky); outline-offset: 2px; }
.btn-primary { background: var(--midnight); color: #fff; }
.btn-primary:hover { background: var(--indigo); }
.btn-light { background: #fff; color: var(--midnight); }
.btn-light:hover { background: var(--fog); }
.btn-sm { padding: .625rem 1rem; font-size: 12px; letter-spacing: .06em; }
.bar .btn-sm { display: none; }
@media (min-width: 640px) { .bar .btn-sm { display: inline-flex; } }
.text-link { font-weight: 600; color: var(--midnight); text-decoration: underline; text-decoration-color: rgba(0,80,134,.4); text-underline-offset: 8px; }
.text-link:hover { text-decoration-color: var(--cobalt); }

/* Type */
.kicker { font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .24em; color: var(--cobalt); }
.h2 { margin-top: .75rem; font-family: var(--display); font-weight: 700; font-size: 1.875rem; line-height: 1.15; letter-spacing: -.03em; color: var(--midnight); }
@media (min-width: 768px) { .h2 { font-size: 3rem; } }
.lede { font-size: 1rem; line-height: 1.65; color: var(--slate-600); }
@media (min-width: 768px) { .lede { font-size: 1.125rem; } }
.small { font-size: .75rem; line-height: 1.6; color: var(--slate-500); }

/* Sections */
section { padding: 4rem 0; }
@media (min-width: 768px) { section { padding: 6rem 0; } }
.fog { background: var(--fog); }
.hero { background: linear-gradient(90deg, rgba(0,80,134,.07) 1px, transparent 1px), linear-gradient(rgba(0,80,134,.07) 1px, transparent 1px), radial-gradient(circle at 82% 24%, rgba(217,237,255,.8), transparent 34%), #fff; background-size: 48px 48px, 48px 48px, auto, auto; }
.hero h1 { max-width: 16ch; font-family: var(--display); font-weight: 700; font-size: clamp(2.75rem, 5.3vw, 4.75rem); line-height: 1.02; letter-spacing: -.05em; color: var(--midnight); }
.hero .lede { margin-top: 1.75rem; max-width: 34rem; }
.hero .actions { margin-top: 2.25rem; display: flex; flex-wrap: wrap; align-items: center; gap: 1.25rem; }
.hero .small { margin-top: 1.5rem; max-width: 34rem; }
.split { display: grid; gap: 3rem; }
@media (min-width: 768px) { .split { grid-template-columns: minmax(0,.9fr) minmax(0,1.1fr); align-items: start; } }

/* Ruled rows, same pattern as the chorusfinance.com.au home page */
.steps { list-style: none; padding: 0; margin-top: 2rem; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.steps li { display: grid; gap: .5rem; padding: 1.25rem 0; border-top: 1px solid var(--rule); }
.steps li:first-child { border-top: 0; }
@media (min-width: 768px) { .steps li { grid-template-columns: 3.5rem minmax(0,1fr); gap: 1.25rem; } }
.num { font-family: var(--display); font-weight: 700; font-size: .875rem; letter-spacing: .18em; color: var(--cobalt); }
.steps h3 { font-size: 1.125rem; font-weight: 700; color: var(--midnight); }
.steps p { margin-top: .25rem; font-size: .875rem; line-height: 1.65; color: var(--slate-600); }
.steps a { color: var(--cobalt); }

/* Cost table */
.costs { width: 100%; margin-top: 2.5rem; border-collapse: collapse; font-size: .875rem; }
.costs th, .costs td { padding: 1rem .75rem 1rem 0; border-bottom: 1px solid var(--rule); text-align: left; vertical-align: top; }
.costs thead th { font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; color: var(--cobalt); }
.costs td:nth-child(2) { font-weight: 700; color: var(--midnight); white-space: nowrap; }
.costs td:first-child { font-weight: 600; color: var(--midnight); }
.costs td span { display: block; font-weight: 400; color: var(--slate-600); }
.costs tfoot td { border-bottom: 0; padding-top: 1.25rem; }
@media (max-width: 639px) {
  .costs thead { display: none; }
  .costs tr { display: block; padding: 1rem 0; border-bottom: 1px solid var(--rule); }
  .costs td { display: block; border: 0; padding: .125rem 0; }
}

/* FAQs */
.faq-group { margin-top: 3.5rem; display: grid; gap: 1rem; }
@media (min-width: 768px) { .faq-group { grid-template-columns: 16rem minmax(0,1fr); gap: 3rem; } }
.faq-group h3 { font-family: var(--display); font-size: 1.375rem; line-height: 1.2; letter-spacing: -.02em; color: var(--midnight); }
.faq-group > div > p { margin-top: .5rem; font-size: .875rem; color: var(--slate-500); }
.faq-list { border-top: 1px solid var(--rule); }
details { border-bottom: 1px solid var(--rule); }
summary { display: flex; justify-content: space-between; gap: 1rem; padding: 1.25rem 0; cursor: pointer; list-style: none; font-weight: 700; color: var(--midnight); transition: color .15s; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; flex-shrink: 0; font-weight: 400; font-size: 1.25rem; line-height: 1; color: var(--cobalt); }
details[open] summary::after { content: "\2212"; }
summary:hover { color: var(--cobalt); }
summary:focus-visible { outline: 2px solid var(--sky); outline-offset: 4px; }
.answer { padding: 0 0 1.5rem; max-width: 46rem; font-size: .9375rem; line-height: 1.7; color: var(--slate-600); }
.answer p + p, .answer p + ul, .answer ul + p { margin-top: .75rem; }
.answer ul { margin: 0; padding-left: 1.25rem; }
.answer li + li { margin-top: .375rem; }
.answer a { color: var(--cobalt); }
.answer strong { color: var(--midnight); }

.cta { display: grid; gap: 2rem; }
@media (min-width: 768px) { .cta { grid-template-columns: minmax(0,1fr) auto; align-items: end; } }
.cta .lede { margin-top: 1.25rem; max-width: 42rem; color: var(--charcoal); }

/* Footer */
.site-footer { background: var(--midnight); color: #fff; }
.footer-top { display: grid; gap: 2.5rem; padding-top: 3.5rem; padding-bottom: 3.5rem; }
@media (min-width: 1024px) { .footer-top { grid-template-columns: 1.3fr 1fr 1.2fr; } }
.site-footer h4 { margin: 0; font-size: .875rem; font-weight: 600; text-transform: uppercase; letter-spacing: .14em; color: var(--sand); }
.site-footer .links { margin-top: 1rem; display: grid; gap: .5rem; font-size: .875rem; }
.site-footer .links a, .site-footer p { color: #dbeafe; text-decoration: none; }
.site-footer .links a:hover { color: #fff; }
.site-footer .fine { font-size: .75rem; color: #bfdbfe; }
.site-footer .rule { border-top: 1px solid rgba(255,255,255,.1); }
.site-footer .rule .shell { padding-top: 1.25rem; padding-bottom: 1.25rem; }
.legal { background: var(--fog); color: var(--charcoal); font-size: 11px; line-height: 1.6; }
.legal .shell { padding-top: 2rem; padding-bottom: 2rem; }
.legal p { color: var(--charcoal); }
.legal strong { text-transform: uppercase; letter-spacing: .1em; color: var(--midnight); }
.legal p + p { margin-top: .5rem; }

/* Quiet scroll reveal, matches chorus-web scroll-reveal.tsx */
.js-reveal [data-reveal] { opacity: 0; transform: translateY(16px); transition: opacity 700ms cubic-bezier(.22,1,.36,1), transform 700ms cubic-bezier(.22,1,.36,1); }
.js-reveal [data-reveal].is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .js-reveal [data-reveal] { opacity: 1; transform: none; transition: none; } }

/* Hero with photo */
.hero-grid { display: grid; gap: 3rem; align-items: center; }
@media (min-width: 900px) { .hero-grid { grid-template-columns: minmax(0,1.05fr) minmax(0,.95fr); } }
.photo { margin: 0; overflow: hidden; border-radius: 1rem; background: var(--fog); }
.photo img { display: block; width: 100%; height: 100%; object-fit: cover; }
.photo--hero { aspect-ratio: 4 / 3; box-shadow: 18px 18px 0 rgba(0,18,68,.08); }
.photo--hero img { animation: slow-zoom 18s ease-out both; }
.photo--side { display: none; margin-top: 2rem; max-width: 28rem; aspect-ratio: 3 / 2; }
@media (min-width: 768px) { .photo--side { display: block; } }
[data-parallax] img { transform: translateY(var(--shift, 0)) scale(1.12); transition: transform 80ms linear; }

/* Entrance, stagger and details motion */
.enter { animation: rise 700ms cubic-bezier(.22,1,.36,1) both; animation-delay: var(--d, 0ms); }
.js-reveal [data-stagger] > li { opacity: 0; transform: translateX(-12px); transition: opacity 600ms cubic-bezier(.22,1,.36,1), transform 600ms cubic-bezier(.22,1,.36,1); transition-delay: calc(var(--i, 0) * 90ms); }
.js-reveal [data-stagger].is-visible > li { opacity: 1; transform: none; }
.steps li .num { position: relative; }
.steps li .num::after { content: ""; position: absolute; left: 0; bottom: -6px; height: 2px; width: 0; background: var(--sky); transition: width 600ms cubic-bezier(.22,1,.36,1) calc(var(--i, 0) * 90ms + 250ms); }
.is-visible > li .num::after { width: 1.5rem; }
details[open] .answer { animation: fade-down 360ms cubic-bezier(.22,1,.36,1); }
summary::after { transition: transform 200ms ease; }
details[open] summary::after { transform: rotate(180deg); }
.btn-primary { position: relative; overflow: hidden; }
.btn-primary::after { content: ""; position: absolute; inset: 0; background: linear-gradient(110deg, transparent 30%, rgba(255,255,255,.18) 50%, transparent 70%); transform: translateX(-100%); transition: transform 600ms ease; }
.btn-primary:hover::after { transform: translateX(100%); }
@keyframes rise { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
@keyframes slow-zoom { from { transform: scale(1.08); } to { transform: scale(1); } }
@keyframes fade-down { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }

/* Apply section */
.apply { position: relative; isolation: isolate; overflow: hidden; background: var(--midnight); color: #fff; }
.apply-bg { position: absolute; inset: 0; z-index: -2; }
.apply-bg img { width: 100%; height: 100%; object-fit: cover; opacity: .28; }
.apply::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(0,18,68,.95) 42%, rgba(0,18,68,.25)); }
.apply-grid { display: grid; gap: 3rem; }
@media (min-width: 960px) { .apply-grid { grid-template-columns: minmax(0,1.1fr) minmax(0,.9fr); align-items: start; } }
.kicker--light { color: var(--sand); }
.h2--light { color: #fff; }
.lede--light { margin-top: 1.25rem; max-width: 36rem; color: #dbeafe; }
.apply-steps { list-style: none; padding: 0; margin: 2rem 0 0; border-top: 1px solid rgba(255,255,255,.14); }
.apply-steps li { display: grid; grid-template-columns: 3rem minmax(0,1fr); gap: 1rem; padding: 1.1rem 0; border-bottom: 1px solid rgba(255,255,255,.14); }
.apply-steps .num { color: var(--sand); }
.apply-steps h3 { font-size: 1.0625rem; font-weight: 700; }
.apply-steps p { margin-top: .25rem; font-size: .875rem; line-height: 1.6; color: #bfdbfe; }
.apply-form { display: grid; gap: 1rem; padding: 1.5rem; border-radius: 1rem; background: #fff; color: var(--charcoal); box-shadow: 18px 18px 0 rgba(230,220,202,.18); }
@media (min-width: 768px) { .apply-form { padding: 2rem; } }
.apply-form h3 { font-family: var(--display); font-size: 1.5rem; letter-spacing: -.02em; color: var(--midnight); }
.apply-form .row { display: grid; gap: 1rem; }
@media (min-width: 560px) { .apply-form .row { grid-template-columns: 1fr 1fr; } }
.apply-form label { display: grid; gap: .375rem; font-size: .8125rem; font-weight: 600; color: var(--midnight); }
.apply-form input, .apply-form select, .apply-form textarea { width: 100%; padding: .7rem .8rem; border: 1px solid #cbd5e1; border-radius: .375rem; background: #fff; font: inherit; font-weight: 400; font-size: .9375rem; color: var(--charcoal); transition: border-color .15s, box-shadow .15s; }
.apply-form input:focus, .apply-form select:focus, .apply-form textarea:focus { outline: none; border-color: var(--cobalt); box-shadow: 0 0 0 3px rgba(49,143,181,.2); }
.apply-form button { justify-self: start; border: 0; cursor: pointer; font-family: inherit; }
.form-note { min-height: 1.25rem; font-size: .8125rem; color: var(--cobalt); }

@media (prefers-reduced-motion: reduce) {
  .enter, .photo--hero img, details[open] .answer { animation: none; }
  [data-parallax] img { transform: none; transition: none; }
  .js-reveal [data-stagger] > li { opacity: 1; transform: none; transition: none; }
  .btn-primary::after { display: none; }
}

@media (max-width: 479px) {
  .notice { font-size: 9px; letter-spacing: .06em; }
  .notice .shell { gap: .375rem; }
}
.notice a { white-space: nowrap; }

/* Journey map */
.journey { position: relative; isolation: isolate; overflow: hidden; background: var(--fog); }
.journey-art { position: absolute; inset: 0; z-index: -2; }
.journey-art img { width: 100%; height: 100%; object-fit: cover; }
.journey::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(240,240,234,.94) 0%, rgba(240,240,234,.72) 45%, rgba(240,240,234,.9) 100%); }
.journey-map { margin-top: 3rem; padding: 1.5rem; border: 1px solid rgba(0,18,68,.08); border-radius: 1rem; background: rgba(255,255,255,.82); backdrop-filter: blur(6px); box-shadow: 18px 18px 0 rgba(0,18,68,.06); }
@media (min-width: 1024px) { .journey-map { padding: 2.5rem 2rem 2rem; } }
.phases { display: none; }
.track { position: relative; list-style: none; margin: 0; padding: 0; display: grid; gap: 1.5rem; }
.track::before { content: ""; position: absolute; left: 1.375rem; top: 1rem; bottom: 1rem; width: 2px; background: linear-gradient(var(--cobalt), var(--sky)); transform-origin: top; transition: transform 1400ms cubic-bezier(.22,1,.36,1); }
.track li { position: relative; display: grid; grid-template-columns: 2.75rem 1fr; column-gap: 1rem; align-items: start; align-content: start; }
.track .node { grid-row: span 3; position: relative; z-index: 1; display: grid; place-items: center; width: 2.75rem; height: 2.75rem; border-radius: 50%; background: #fff; border: 2px solid var(--cobalt); color: var(--midnight); transition: transform 500ms cubic-bezier(.34,1.56,.64,1) calc(var(--i, 0) * 120ms + 200ms), background-color .2s, color .2s; }
.track .node svg { width: 1.25rem; height: 1.25rem; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.track li:last-child .node { background: var(--midnight); color: var(--sand); border-color: var(--midnight); }
.track li:hover .node { background: var(--midnight); color: #fff; }
.track .num { font-size: .6875rem; }
.track h3 { margin-top: .125rem; font-size: 1rem; font-weight: 700; color: var(--midnight); }
.track p { margin-top: .125rem; font-size: .8125rem; line-height: 1.5; color: var(--slate-600); }
@media (min-width: 1024px) {
  .phases { display: grid; grid-template-columns: repeat(7, 1fr); gap: .5rem; margin-bottom: 1.75rem; }
  .phases span { grid-column: span var(--span); padding: .5rem 0; border-bottom: 2px solid var(--sand); font-size: .6875rem; font-weight: 600; text-transform: uppercase; letter-spacing: .2em; color: var(--cobalt); text-align: center; }
  .track { grid-template-columns: repeat(7, 1fr); gap: .5rem; }
  .track::before { left: calc(100% / 14); right: calc(100% / 14); top: 1.375rem; bottom: auto; width: auto; height: 2px; background: linear-gradient(90deg, var(--cobalt), var(--sky)); transform-origin: left; }
  .track li { grid-template-columns: 1fr; justify-items: center; text-align: center; }
  .track .node { grid-row: auto; margin-bottom: .875rem; }
  .track p { max-width: 10rem; }
}
.js-reveal .track::before { transform: scale(0); }
.js-reveal .track.is-visible::before { transform: scale(1); }
.js-reveal .track .node { transform: scale(.4); }
.js-reveal .track.is-visible .node { transform: scale(1); }
@media (prefers-reduced-motion: reduce) { .js-reveal .track::before, .js-reveal .track .node { transform: none; transition: none; } }
@media (max-width: 1023px) {
  .journey-map { box-shadow: 8px 8px 0 rgba(0,18,68,.06); }
  .track::before { bottom: 3.5rem; }
}

.journey::before { background: linear-gradient(180deg, rgba(240,240,234,.9), rgba(240,240,234,.86) 50%, rgba(240,240,234,.94)); }
.journey-illustration { margin: 2.5rem 0 0; overflow: hidden; border-radius: 1rem; aspect-ratio: 16 / 9; }
@media (min-width: 768px) { .journey-illustration { aspect-ratio: 21 / 8; } }
.journey-illustration img { display: block; width: 100%; height: 100%; object-fit: cover; object-position: 50% 12%; transform: scale(1.06); transition: transform 1600ms cubic-bezier(.22,1,.36,1); }
.journey-illustration.is-visible img { transform: scale(1); }
.journey-illustration + .journey-map { position: relative; margin: -3rem .75rem 0; }
@media (min-width: 1024px) { .journey-illustration + .journey-map { margin: -5rem 2.5rem 0; } }
.apply-bg img { opacity: .9; }
@media (prefers-reduced-motion: reduce) { .journey-illustration img { transform: none; transition: none; } }