/* =============================================
   LOAN WORTH: polish layer (Oct 2026)
   Loaded after styles.css on marketing pages only.
   Not loaded by /factfind, /apply or /results.
   Same brand variables. Spacing, hierarchy, cards.
   ============================================= */

/* ---- Hero credentials line ---- */
.hero-proof { list-style: none; display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 18px; padding: 0; font-size: 0.9rem; color: var(--grey); }
.hero-proof li { display: flex; align-items: center; gap: 6px; }
.hero-proof a { color: var(--black); font-weight: 600; }
.hero .hero-proof { color: rgba(255,255,255,0.88); }
.hero .hero-proof a { color: #fff; }
.hero-proof .stars { color: #F5A623; letter-spacing: 1px; }

/* ---- Section rhythm ---- */
.section-sub { max-width: 640px; margin-left: auto; margin-right: auto; }

/* ---- Team strip (homepage) ---- */
.team-strip { list-style: none; padding: 0; margin: 32px auto 0; max-width: 980px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; text-align: left; }
.team-strip li { display: flex; align-items: center; gap: 14px; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 14px 16px; min-width: 0; }
.team-strip img, .team-initials { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; object-position: top; flex: 0 0 56px; }
.team-initials { display: flex; align-items: center; justify-content: center; background: var(--blue-bg); color: var(--blue); font-weight: 700; }
.team-strip span { font-size: 0.85rem; color: var(--grey); line-height: 1.4; min-width: 0; }
.team-strip strong { display: block; color: var(--black); font-size: 0.98rem; }

/* ---- Visit card (homepage) ---- */
.visit-card { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 32px; align-items: center; background: var(--light-grey); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 40px; }
.visit-card h2 { margin-bottom: 12px; }
.visit-actions { display: flex; flex-direction: column; gap: 12px; }
.visit-actions .btn { justify-content: center; }

/* ---- Local snapshot (suburb pages) ---- */
.local-facts { background: var(--light-grey); border: 1px solid var(--border); border-left: 4px solid var(--blue); border-radius: var(--radius); padding: 20px 24px; margin: 24px 0 32px; }
.local-facts h2 { font-size: 1.15rem; margin: 0 0 10px; }
.local-facts dl { display: grid; grid-template-columns: max-content minmax(0, 1fr); gap: 8px 18px; margin: 0; font-size: 0.93rem; }
.local-facts dt { font-weight: 700; color: var(--black); }
.local-facts dd { margin: 0; color: var(--grey); min-width: 0; }
.local-facts .src { font-size: 0.78rem; color: #888; margin-top: 10px; }

/* ---- Compliance line ---- */
.compliance-note { font-size: 0.85rem; color: #6b7280; border-top: 1px solid var(--border); margin-top: 32px; padding-top: 16px; }
.compliance-note p { margin: 0 0 4px; font-size: 0.85rem; }

/* ---- News index ---- */
.news-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 320px), 1fr)); gap: 24px; }
.news-card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; transition: box-shadow var(--transition), transform var(--transition); min-width: 0; }
.news-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.news-card time, .news-meta { font-size: 0.82rem; color: var(--grey); font-weight: 600; }
.news-card h2, .news-card h3 { font-size: 1.2rem; line-height: 1.35; margin: 10px 0; }
.news-card h2 a, .news-card h3 a { color: var(--black); }
.news-card h2 a:hover, .news-card h3 a:hover { color: var(--blue); }
.news-card p { font-size: 0.93rem; flex: 1; }
.news-card .read-more { margin-top: 14px; font-weight: 600; color: var(--blue); font-size: 0.92rem; }

/* ---- Article page ---- */
.article-body { max-width: 760px; margin: 0 auto; }
.article-body h2 { font-size: 1.4rem; margin: 36px 0 12px; }
.article-body p, .article-body li { font-size: 1.02rem; }
.article-body ul, .article-body ol { padding-left: 22px; margin: 0 0 18px; }
.article-body li { margin-bottom: 8px; }
.article-byline { display: flex; flex-wrap: wrap; gap: 6px 14px; font-size: 0.9rem; color: var(--grey); margin-bottom: 24px; }
.article-lede { font-size: 1.12rem !important; color: var(--dark); }
.key-facts { background: var(--blue-bg); border-radius: var(--radius); padding: 20px 24px; margin: 24px 0; }
.key-facts h2 { margin-top: 0 !important; font-size: 1.1rem !important; }
.key-facts ul { margin-bottom: 0; }
.table-wrap { width: 100%; max-width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 16px 0 24px; border: 1px solid var(--border); border-radius: var(--radius); }
.rate-table { width: 100%; border-collapse: collapse; font-size: 0.93rem; }
.rate-table th, .rate-table td { text-align: left; padding: 10px 14px; border-bottom: 1px solid var(--border); vertical-align: top; }
.rate-table th { background: var(--light-grey); font-weight: 700; }
.rate-table tr:last-child td { border-bottom: none; }
.soft-cta { background: var(--light-grey); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; margin: 36px 0 8px; }
.soft-cta h2 { margin-top: 0 !important; }
.soft-cta .btns { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 16px; }
.article-sources { font-size: 0.85rem; color: var(--grey); }

/* ---- Resources grid (top of /faq) ---- */
.resources-intro { margin-bottom: 20px; }
.resources-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 240px), 1fr)); gap: 16px; margin-bottom: 48px; }
.resource-card { display: block; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 18px 20px; color: var(--black); transition: border-color var(--transition), box-shadow var(--transition); min-width: 0; }
.resource-card:hover { border-color: var(--blue); box-shadow: var(--shadow-sm); }
.resource-card .article-cat { display: inline-block; margin-bottom: 8px; }
.resource-card strong { display: block; font-size: 0.98rem; line-height: 1.35; }
.resource-card span.when { display: block; font-size: 0.8rem; color: var(--grey); margin-top: 6px; }
.faq-article { scroll-margin-top: 100px; }

@media (max-width: 900px) {
  .team-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .visit-card { grid-template-columns: minmax(0, 1fr); padding: 28px; }
}
@media (max-width: 560px) {
  .team-strip { grid-template-columns: minmax(0, 1fr); }
  .local-facts dl { grid-template-columns: minmax(0, 1fr); gap: 2px; }
  .local-facts dd { margin-bottom: 8px; }
  .news-card, .soft-cta { padding: 22px; }
  .rate-table th, .rate-table td { padding: 8px 10px; font-size: 0.88rem; }
}

/* ---- In-copy links read as links ---- */
.section p a:not(.btn):not(.service-link), .accordion-body a, .local-facts a { color: var(--blue); }
.article-body a:not(.btn), .compliance-note a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }

/* ---- Nav "Book a Call" was white-on-white on the light navbar ---- */
.navbar .nav-cta.btn-secondary { color: var(--blue); border-color: var(--blue); background: transparent; }
.navbar .nav-cta.btn-secondary:hover { background: var(--blue-bg); }

/* ---- Contact: office card + map (Oct 2026) ---- */
.office-card { margin-top: 32px; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; min-width: 0; }
.office-card h3 { font-size: 1.2rem; margin-bottom: 6px; }
.office-card .office-address { font-weight: 600; color: var(--black); margin-bottom: 10px; }
.office-card p { font-size: 0.93rem; }
.office-card .btn { margin: 14px 0 18px; }
.office-map { position: relative; width: 100%; max-width: 100%; aspect-ratio: 16 / 10; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); background: var(--light-grey); }
.office-map iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; display: block; }
.office-card .office-note { font-size: 0.82rem; color: var(--grey); margin-top: 12px; }
.office-card .office-note a { color: var(--blue); }
@supports not (aspect-ratio: 1) { .office-map { height: 240px; } }

/* Round 3: review line in trust strip */
.trust-reviews a { color: inherit; text-decoration: none; }
.trust-reviews a:hover, .trust-reviews a:focus-visible { text-decoration: underline; }

/* Round 3: ASIC badge + team credit rep number */
.asic-badge { display: inline-block; padding: 3px 10px; border-radius: 999px; background: var(--blue-bg, #E3F0FF); color: var(--blue, #1565C0); font-size: 0.8rem; font-weight: 600; line-height: 1.4; }
.hero .asic-badge { background: rgba(255,255,255,0.14); color: #fff; }
.team-cr { font-size: 0.82rem; color: var(--grey, #555); margin: -4px 0 10px; }
.trust-bar .asic-badge { background: rgba(255,255,255,0.12); color: #fff; border: 1px solid rgba(255,255,255,0.25); }