/* Shared layout rhythm across marketing, service and policy pages. */
:root{--content:1200px;--gutter:clamp(20px,5vw,72px);--section-space:clamp(56px,6vw,88px);--grid-gap:clamp(24px,3vw,40px);--radius:8px;--body-size:17px}
body{max-width:none;margin:0;font-size:var(--body-size)}*,*::before,*::after{box-sizing:border-box}img,svg,object{max-width:100%}img{display:block}h1,h2,h3,p{overflow-wrap:break-word}a{overflow-wrap:anywhere}main section>*,.loan-grid>*,.calc-layout>*,.steps>*,.contact>*,.about>*,.faq>*,.service-content>*{min-width:0}
.section,.policy-hero,.hero,footer{padding-inline:max(var(--gutter),calc((100% - var(--content))/2));padding-block:var(--section-space)}header,.topbar{padding-inline:max(var(--gutter),calc((100% - var(--content))/2))}
h2,.about-copy h2,.why h2{font-size:clamp(30px,3.1vw,42px);line-height:1.2;letter-spacing:-.7px;margin:0 0 24px;font-weight:700}h3{line-height:1.35}p{line-height:1.7}.eyebrow{font-size:13px;line-height:1.5;margin-bottom:16px}.section-heading{gap:var(--grid-gap);align-items:end;margin-bottom:40px}.section-heading>div{flex:1}.section-heading>p{flex:0 1 340px;line-height:1.7}.section-heading h2{margin:0}.button{min-height:48px;line-height:1.4;text-align:center}.text-link{line-height:1.5}.button span{flex-shrink:0}
header{height:124px;gap:24px}header .brand .supplied-logo{width:210px;height:auto;aspect-ratio:710/350}nav{gap:24px;font-size:15px;white-space:nowrap}header>.button{flex-shrink:0}.topbar{gap:20px;flex-wrap:wrap;line-height:1.5;font-size:12px}.brand{line-height:1;max-width:100%}
.hero{display:grid;grid-template-columns:minmax(0,1fr) 280px;align-items:end;gap:48px;min-height:0;padding-top:72px;padding-bottom:96px}.hero-copy{position:relative;z-index:1;padding:0}.hero h1{font-size:clamp(42px,4.7vw,64px);line-height:1.12;max-width:700px;margin:0 0 24px}.hero p{max-width:600px;margin:0 0 32px;line-height:1.7;font-size:18px}.hero-side{position:relative;right:auto;bottom:auto;max-width:none;width:100%;padding:24px;align-self:end;margin-bottom:8px;border-radius:0 var(--radius) var(--radius) 0}.hero-side h3{font-size:22px;line-height:1.4;margin:12px 0 20px}.hero-side a{font-size:21px;white-space:nowrap}.hero-actions{display:flex;flex-wrap:wrap;gap:16px}.hero-assurance{flex-wrap:wrap;gap:12px 24px;margin-top:28px;line-height:1.5}.hero p br{display:none}.quick-start{width:calc(100% - 2 * var(--gutter));max-width:var(--content);margin:-32px auto 0;border-radius:var(--radius);overflow:hidden}.quick-start>div{padding:24px;gap:16px}.quick-start>div>div{min-width:0}.quick-start h3{font-size:17px;line-height:1.35;margin-top:6px}.quick-icon{flex:0 0 32px;font-size:30px}.quick-start a{flex:0 0 32px}.quick-start small{font-size:10px;line-height:1.4;display:block}
.about,.why,.faq,.contact,.service-content{gap:var(--grid-gap);grid-template-columns:repeat(2,minmax(0,1fr))}.about{align-items:center}.about-copy{padding:0}.about-copy p{margin:0 0 20px;font-size:17px}.about-art{min-height:0;aspect-ratio:4/3;height:auto;border-radius:var(--radius);overflow:hidden}.about-art>img{height:100%;min-height:0;width:100%;object-fit:cover;object-position:center;aspect-ratio:4/3;border-radius:inherit}.about-badge{right:20px;bottom:20px;padding:20px 24px;border-radius:4px}.about-points{margin:24px 0;gap:24px}.about-points p{font-size:15px;margin:8px 0 0}.person{margin:24px 0 0;padding-top:24px;gap:16px;flex-wrap:wrap}.person>a.button{margin-left:auto}.avatar{flex-shrink:0}
.loan-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;align-items:stretch}.loan-card{display:flex;flex-direction:column;height:100%;border-radius:var(--radius)}.card-photo{height:auto;aspect-ratio:3/2;flex-shrink:0;border-radius:0}.card-photo img{width:100%;height:100%;aspect-ratio:3/2;object-fit:cover;object-position:center}.card-content{display:flex;flex-direction:column;flex:1;padding:24px}.card-content h3{font-size:23px;line-height:1.3;min-height:2.6em;margin:0 0 16px}.card-content p{font-size:16px;line-height:1.65;min-height:0;margin:0 0 24px;flex:1}.card-link{font-size:14px;line-height:1.5;margin:0;padding-top:16px;gap:12px;min-height:40px}.card-link b{flex-shrink:0}.loan-help{grid-column:span 2;border-radius:var(--radius);padding:32px;gap:0}.loan-help h3{font-size:32px;margin:16px 0}.loan-help p{margin:0 0 24px;max-width:46ch}.loan-help .button{margin:0}.why-grid{gap:24px}.why-grid article{padding:24px;border-radius:var(--radius)}.why-grid h3{font-size:21px;line-height:1.35;margin:16px 0 12px}.why-grid p{margin:0;font-size:16px;line-height:1.7}
.calc-layout{grid-template-columns:repeat(2,minmax(0,1fr));border-radius:var(--radius)}.calc-inputs,.calc-result{padding:32px}.calc-pair{gap:24px}.calc-pair label{min-height:24px}.frequency{flex-wrap:wrap;gap:8px}.result-details{flex-wrap:wrap;gap:20px 32px}.result-number{font-size:clamp(38px,4.5vw,58px);line-height:1.2;overflow-wrap:anywhere}.calc-result .button{margin-top:8px}.calc-disclaimer{max-width:100%;margin:20px 0 0;line-height:1.7}.steps{grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;margin-top:40px}.steps article{padding:24px;border-radius:var(--radius)}.steps h3{font-size:21px;line-height:1.35;min-height:2.7em;margin:24px 0 16px}.steps p{font-size:16px;margin:0;line-height:1.7}.faq{align-items:start}.questions details{padding:24px 0}.questions summary{line-height:1.5;font-size:18px}.questions p{margin:16px 0 0;line-height:1.7}.contact{align-items:start}.contact h2{font-size:clamp(34px,3.4vw,46px);line-height:1.2}.contact-meta{gap:32px;flex-wrap:wrap}.contact-phone{font-size:28px;line-height:1.4}.contact form{padding:32px;border-radius:var(--radius)}form h3{font-size:26px;line-height:1.3;margin:0 0 24px}.form-pair{gap:16px}form label{line-height:1.5;margin-bottom:20px}form input,form select,form textarea{line-height:1.5;margin-top:8px;width:100%;min-width:0;max-width:100%}textarea{resize:vertical}.privacy-note,form .form-note{margin:16px 0}#formStatus:empty{display:none}.contact-email{overflow-wrap:anywhere}
footer{padding-top:48px;padding-bottom:32px}.footer-top{gap:32px;padding-bottom:32px;flex-wrap:wrap}.footer-top p{margin:0 auto 0 0}.footer-top .brand .supplied-logo{height:auto;width:220px;aspect-ratio:370/190}.footer-bottom{justify-content:flex-start;align-items:center;gap:16px 28px;padding-top:24px}.footer-bottom>span:first-child{margin-right:auto}.credit-disclosure{margin-top:24px;padding-top:24px}.legal{margin:24px 0 0;max-width:none}.policy-hero h1,.service-hero h1{font-size:clamp(36px,4vw,56px);line-height:1.15;letter-spacing:-1px;max-width:900px}.service-hero>.eyebrow{margin-top:32px}.service-hero>p{font-size:18px;max-width:65ch;line-height:1.7;margin:24px 0 32px}.service-content{align-items:start}.service-content>div:first-child{display:flex;flex-direction:column;align-items:start}.service-detail-image{height:auto;width:100%;aspect-ratio:3/2;object-fit:cover;object-position:center;border-radius:var(--radius);margin:0 0 32px}.service-content p{font-size:17px;max-width:65ch;margin:0 0 24px}.service-list{padding-top:0}.service-list>div{padding:24px;gap:20px;align-items:start;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:16px;background:#f5f8fc}.service-list h3{font-size:21px;line-height:1.4;margin:0}.service-list span{line-height:29px}.service-cta h2{margin-bottom:20px}.service-cta p{margin:0 0 28px}.policy-body{max-width:calc(880px + 2 * var(--gutter));padding:56px var(--gutter) 80px;font-size:17px;line-height:1.75}.policy-body h2{font-size:29px;line-height:1.3;margin:40px 0 20px}.policy-body h3{font-size:22px;line-height:1.4;margin:28px 0 16px}.policy-body p{margin:0 0 20px}.contact-panel{margin:24px 0;padding:24px;border-radius:0 var(--radius) var(--radius) 0}.contact-panel p{margin:12px 0 0}.policy-pdf{height:min(850px,90vh);border-radius:var(--radius)}
@media(max-width:1100px){.hero{grid-template-columns:minmax(0,1fr) 250px;gap:32px}.hero h1{font-size:52px}.hero-side{padding:20px}.quick-start>div{padding:20px 16px;gap:12px}.quick-start h3{font-size:16px}.quick-icon{flex-basis:24px;font-size:26px}.about,.why,.contact{gap:32px}.about-points{grid-template-columns:1fr}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.steps h3{min-height:0}.card-content h3{font-size:21px}.calc-inputs,.calc-result{padding:24px}.calc-pair{grid-template-columns:1fr;gap:20px}.calc-pair label{min-height:0}}
@media(max-width:1000px){header{height:108px;gap:20px}header .brand .supplied-logo{width:180px}header>.button{margin-left:auto}.menu{display:block;border:0;background:transparent;font-size:26px;min-width:44px;min-height:44px;padding:6px;color:var(--ink)}nav{display:none;position:absolute;top:100%;left:0;right:0;background:white;padding:24px var(--gutter);box-shadow:0 12px 24px #09275618;white-space:normal}nav.open{display:flex;flex-direction:column;align-items:start;gap:20px}nav a{font-size:17px}.topbar>span{display:none}.hero{grid-template-columns:1fr;padding-bottom:80px}.hero-side{display:none}.hero h1{font-size:clamp(42px,6.5vw,58px)}.hero p{font-size:18px}.about,.why,.faq,.contact{grid-template-columns:1fr;gap:40px}.about-art{max-width:none;aspect-ratio:3/2}.about-art>img{aspect-ratio:3/2}.about-points{grid-template-columns:1fr 1fr}.loan-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.loan-help{grid-column:auto}.card-content h3{min-height:2.6em}.section-heading{gap:32px}.section-heading>p{flex-basis:280px}.why-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.contact>div{max-width:700px}.form-pair{grid-template-columns:1fr 1fr}.service-content{gap:32px}.service-list h3{font-size:19px}.service-list>div{padding:20px}.footer-top>a:last-child{width:auto}}
@media(max-width:700px){:root{--section-space:56px;--gutter:24px}.section-heading{display:block;margin-bottom:32px}.section-heading>p{margin-top:20px;max-width:60ch}.hero{padding-top:48px;padding-bottom:72px}.hero h1{font-size:44px}.hero-actions{gap:12px}.hero-actions .button{font-size:15px;flex:1 1 190px;justify-content:space-between}.hero-assurance{gap:12px 16px}.quick-start{grid-template-columns:1fr;margin-top:-24px}.quick-start>div{padding:20px 24px;border-bottom:1px solid var(--line);border-right:0}.quick-start h3{font-size:18px}.quick-icon{flex-basis:32px;font-size:30px}.about,.why,.faq,.contact,.service-content{gap:32px}.about-art{aspect-ratio:4/3}.about-art>img{aspect-ratio:4/3}.about-badge{right:16px;bottom:16px;padding:16px}.about-badge span{font-size:14px}.about-badge strong{font-size:11px}.about-points,.loan-grid,.why-grid,.calc-layout,.steps,.service-content{grid-template-columns:1fr}.loan-help{grid-column:auto}.loan-grid,.why-grid,.steps{gap:24px}.card-photo{aspect-ratio:3/2}.card-content h3{font-size:24px;min-height:0}.card-content p{font-size:17px}.card-content,.loan-help,.why-grid article,.steps article{padding:24px}.loan-help h3{font-size:28px}.calc-inputs,.calc-result{padding:24px}.frequency button{flex:1;padding:10px 8px;font-size:13px}.contact form{padding:24px}.form-pair{grid-template-columns:1fr;gap:0}.contact-meta{gap:24px}.contact-phone{font-size:26px}.footer-top{display:grid;grid-template-columns:1fr;gap:24px}.footer-top p{margin:0}.footer-bottom{gap:16px 24px}.footer-bottom>span:first-child{flex-basis:100%;margin:0}.policy-body{padding-top:40px;padding-bottom:56px}.policy-hero h1,.service-hero h1{font-size:36px}.service-detail-image{margin-bottom:24px}.service-hero>p{font-size:17px}.contact-panel{padding:20px}.policy-pdf{height:70vh;min-height:400px}}
@media(max-width:380px){:root{--gutter:18px}header{gap:10px}header .brand .supplied-logo{width:140px}header>.button{font-size:12px;padding:10px;gap:8px}.topbar{font-size:10px;gap:8px}.hero h1{font-size:38px}.contact form,.calc-inputs,.calc-result{padding:20px}}

/* Clear local architecture photography and corrected brand wordmark */
.hero-backdrop{background:linear-gradient(90deg,rgba(5,23,57,.94) 0%,rgba(5,23,57,.76) 33%,rgba(5,23,57,.12) 65%,rgba(5,23,57,.02) 100%),url('/assets/au-hero-new.jpg') center 58%/cover}
.hero-side{align-self:end;background:#07224ae8}
.about-art>img{object-position:center 55%}
.footer-logo{mix-blend-mode:normal;background:transparent}
@media(max-width:700px){.hero{padding-top:250px}.hero-backdrop{background:linear-gradient(0deg,#08264d 0%,rgba(8,38,77,.96) 55%,rgba(8,38,77,0) 88%),url('/assets/au-hero-new.jpg') center top/auto 340px no-repeat;background-color:#08264d}}

.footer-logo{mix-blend-mode:screen}

/* Supplied Malkeet portrait, displayed at its original proportions. */
.about-art.about-portrait{aspect-ratio:auto;max-width:480px;width:100%;justify-self:center;overflow:hidden;display:flex;flex-direction:column;background:#eef3f8}
.about-art.about-portrait>img.malkeet-portrait{display:block;width:100%;height:auto;aspect-ratio:2/3;object-fit:contain;object-position:center;border-radius:0;flex:none}
.about-portrait .about-badge{position:static;border-radius:0;box-shadow:none;padding:18px 24px}
.about-portrait .about-badge span{font-size:16px;display:inline;margin-right:5px}
.about-portrait .about-badge strong{margin-top:6px}
@media(max-width:700px){.about-art.about-portrait{max-width:420px}}

/* Supplied horizontal brand artwork, preserved at its original proportions. */
header .brand .supplied-logo{width:270px;height:auto;aspect-ratio:755/200}
.footer-top .brand .supplied-logo{width:270px;height:auto;aspect-ratio:430/120;mix-blend-mode:screen}
@media(max-width:1100px){header .brand .supplied-logo{width:230px}}
@media(max-width:700px){header .brand .supplied-logo{width:clamp(140px,38vw,185px)}header{gap:8px}header>.button{padding:12px;font-size:12px}}
@media(max-width:380px){header .brand .supplied-logo{width:155px}header{gap:8px}header>.button{padding:10px;font-size:11px}}

@media(max-width:700px){header>.button span{display:none}}