/* One considered system for discovery, reassurance and the next decision. */
:root{--journey-navy:#182e48;--journey-blue:#254b7b;--journey-paper:#faf9f5;--journey-sage:#e5ece6;--journey-mist:#eaf0f6;--journey-line:#ced7df;--frf-header-height:100px}
html.frf-home{scroll-padding-top:0}
body{background:var(--journey-paper)}
body .btn{background:var(--journey-blue);border-color:var(--journey-blue);border-radius:6px;min-height:48px;line-height:1.4}
body .btn:hover{background:var(--journey-navy);border-color:var(--journey-navy)}
body .btn.light{background:#fff;color:var(--journey-navy);border-color:#fff}
body .btn.outline{background:transparent;color:var(--journey-blue);border-color:var(--journey-blue)}
body .header{background:rgba(250,249,245,.98)}
body:not([data-path="/"]) .section{padding-block:64px}body:not([data-path="/"]) .section.no-top{padding-top:0}
body:not([data-path="/"]) .page-hero{padding-block:46px 38px}
body:not([data-path="/"]) h2{font-size:clamp(29px,3.3vw,44px);line-height:1.15}
body:not([data-path="/"]) .prose h2{font-size:clamp(25px,2.6vw,34px)}
body .eyebrow{letter-spacing:.13em}
body[data-path="/"] .conversion-home{color:var(--journey-navy)}
body[data-path="/"] .conversion-home .btn{background:var(--journey-blue);border-color:var(--journey-blue)}
body[data-path="/"] .conversion-home .btn.light{background:#fff;color:var(--journey-navy)}
body[data-path="/"] .conversion-home em{color:var(--journey-blue)}
body[data-path="/"] .conversion-home .dark a:focus-visible,body[data-path="/"] .conversion-home .dark button:focus-visible{outline:3px solid #fff;outline-offset:5px}
body[data-path="/"] .conversion-home .home-scroll-nav a[aria-current="location"],body[data-path="/"] .conversion-home .home-scroll-nav a:hover{color:#fff;background:var(--journey-navy)}
body main a:not(.btn):not(.card):not(.resource-card):not(.index-card):hover{text-decoration:underline;text-underline-offset:4px}
.journey-next{background:var(--journey-mist);padding:55px 0 60px;border-top:1px solid var(--journey-line)}
.journey-next-heading{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:end;margin-bottom:26px}
.journey-next-heading .eyebrow{margin-bottom:12px}.journey-next-heading h2{font-size:clamp(28px,3vw,40px)}
.journey-next-heading>p{max-width:48ch;margin:0;line-height:1.7;color:#43546a}
.journey-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.journey-links:has(>a:nth-child(2):last-child){grid-template-columns:repeat(2,minmax(0,1fr))}
.journey-link{display:grid;grid-template-columns:1fr auto;align-content:start;gap:10px;padding:25px;background:#fff;border:1px solid var(--journey-line);border-radius:10px;transition:border-color .15s,transform .15s}
.journey-link strong{font-size:18px;line-height:1.4;font-weight:650}.journey-link>span:not(.journey-arrow){grid-column:1/-1;font-size:15px;line-height:1.6;color:#45566c}.journey-arrow{font-size:21px;line-height:1.2}.journey-link:hover{border-color:var(--journey-blue);transform:translateY(-2px);text-decoration:none!important}
.journey-booking{display:flex;align-items:center;justify-content:space-between;gap:32px;padding-top:28px;margin-top:28px;border-top:1px solid #becbd7}.journey-booking p{max-width:62ch;margin:0;font-size:16px;line-height:1.7}.journey-booking strong{display:block;font-size:19px;margin-bottom:5px}.journey-booking .btn{flex-shrink:0}.journey-booking small{display:block;color:#46596d;font-size:13px;margin-top:8px}
.journey-credentials{padding:16px 0 24px}.journey-credentials .wrap{display:flex;align-items:center;gap:14px 28px;flex-wrap:wrap;padding:18px 0;border-bottom:1px solid var(--journey-line);font-size:13px}.journey-credentials a{text-decoration:underline;text-underline-offset:4px}.journey-credentials strong{font-weight:650}
.page-outline{margin-block:6px 28px;border-top:1px solid var(--journey-line);border-bottom:1px solid var(--journey-line)}.page-outline>summary{padding:16px 0;min-height:50px;cursor:pointer;font-weight:600;font-size:15px}.page-outline nav{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px 28px;padding-bottom:20px}.page-outline nav a{padding:6px 0;font-size:14px;line-height:1.5;text-decoration:underline;text-underline-offset:3px}
.home-scroll-nav{position:sticky;top:var(--frf-header-height);z-index:25;background:rgba(250,249,245,.98);border-block:1px solid var(--journey-line);box-shadow:0 3px 8px #182e4808}.home-scroll-nav .wrap{display:flex;align-items:center;gap:5px;overflow-x:auto;scrollbar-width:thin;padding-block:10px}.home-scroll-nav a{white-space:nowrap;font-size:13px;padding:10px 15px;border-radius:30px;line-height:1.25;color:var(--journey-navy);border:1px solid transparent}.home-scroll-nav a[aria-current="location"],.home-scroll-nav a:hover{background:var(--journey-navy);color:#fff;text-decoration:none!important}.home-scroll-nav .home-jump-book{margin-left:auto;border-color:#bac8d5}
body[data-path="/"] #main section[id]{scroll-margin-top:calc(var(--frf-header-height) + 85px)}
body[data-path="/"] .conversion-home>section{padding-block:64px}
body[data-path="/"] .conversion-home .home-hero{padding:42px 0 30px}
body[data-path="/"] .conversion-home .hero-family-purpose{display:none}
body[data-path="/"] .conversion-home .home-hero h1{font-size:clamp(43px,4.7vw,65px);line-height:1.07;letter-spacing:-.045em}
body[data-path="/"] .conversion-home .home-hero .lead{font-size:18px;line-height:1.7;max-width:52ch}
body[data-path="/"] .conversion-home .hero-photo{border-radius:18px;overflow:hidden}
body[data-path="/"] .conversion-home h2{font-size:clamp(30px,3.4vw,44px);line-height:1.13}
body[data-path="/"] .conversion-home .home-paths{background:var(--journey-paper)}
body[data-path="/"] .conversion-home .home-paths .cards{gap:15px}
body[data-path="/"] .conversion-home .home-paths .card{background:#fff;border:1px solid var(--journey-line);border-radius:10px;padding:27px;min-height:0}
body[data-path="/"] .conversion-home .home-paths .card:nth-child(-n+3){background:var(--journey-mist)}
body[data-path="/"] .conversion-home .home-paths .card h3{font-size:23px;line-height:1.2}
body[data-path="/"] .conversion-home .home-paths .card p{font-size:15px;line-height:1.65;margin:15px 0 20px}
body[data-path="/"] .conversion-home .review-journey{background:var(--journey-sage)}
body[data-path="/"] .conversion-home .client-review{border:1px solid #cbd6cc;border-radius:10px;background:var(--journey-paper);box-shadow:none}
body[data-path="/"] .conversion-home .home-calculator-section{background:#eef2f7}
body[data-path="/"] .conversion-home .dark{background:var(--journey-navy)}
body[data-path="/"] .conversion-home .dark h2,body[data-path="/"] .conversion-home .dark h3{color:#fff}
.home-evidence{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:0;margin-top:30px;border-top:1px solid #bac9bd;padding-top:22px}.home-evidence a{padding:12px 25px 12px 0;line-height:1.55}.home-evidence a+a{border-left:1px solid #bac9bd;padding-left:25px}.home-evidence strong{display:block;font-size:16px;margin-bottom:6px}.home-evidence span{font-size:13px;color:#43574c;display:block}
body[data-path="/"] .conversion-home .home-people{background:var(--journey-paper)}
.home-people-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:60px;align-items:center}.home-adviser-photo{align-self:stretch;display:flex;align-items:end;justify-content:center;background:var(--journey-sage);border-radius:18px;max-height:520px;overflow:hidden}.home-adviser-photo img{width:auto;height:100%;max-height:500px;object-fit:contain;object-position:bottom}
.home-people-copy .lead{margin:20px 0}.home-people-links{display:flex;gap:20px;flex-wrap:wrap;margin-top:20px}.home-people-links a{text-decoration:underline;text-underline-offset:4px;font-size:14px}.home-office-pair{display:grid;grid-template-columns:1fr 1fr;gap:18px;border-top:1px solid var(--journey-line);margin-top:28px;padding-top:22px}.home-office-pair a{font-size:14px;line-height:1.6}.home-office-pair strong,.home-office-pair span{display:block}.home-office-pair strong{font-size:17px;margin-bottom:5px}
body[data-path="/"] .conversion-home .home-faq{background:#f0ede7;padding-block:45px}
body[data-path="/"] .conversion-home .close{background:var(--journey-sage);padding-block:55px}
.journey-help{background:#f0f2f3}.journey-help .journey-links{grid-template-columns:repeat(2,minmax(0,1fr))}
@media(max-width:900px){.journey-next-heading{grid-template-columns:1fr;gap:16px}.home-people-grid{gap:30px}.journey-booking{align-items:start;flex-direction:column}.home-evidence{grid-template-columns:1fr}.home-evidence a+a{border-left:0;border-top:1px solid #bac9bd;padding-left:0}.home-scroll-nav .home-jump-book{margin-left:0}.journey-link{padding:20px}}
@media(max-width:650px){.journey-links,.journey-help .journey-links,.journey-links:has(>a:nth-child(2):last-child){grid-template-columns:1fr}.journey-next{padding:38px 0}.journey-next-heading h2{font-size:29px}.journey-booking .btn{width:100%}.page-outline nav{grid-template-columns:1fr}.home-scroll-nav .wrap{width:100%;padding-inline:18px}.home-scroll-nav a{padding:10px 12px}.home-people-grid{grid-template-columns:1fr}.home-adviser-photo{max-height:340px}.home-adviser-photo img{max-height:340px;width:auto}.home-office-pair{gap:15px}.home-people-copy .lead{font-size:17px}body[data-path="/"] .conversion-home>section{padding-block:42px}body:not([data-path="/"]) .section{padding-block:42px}body:not([data-path="/"]) .section.no-top{padding-top:0}.journey-credentials .wrap{gap:10px 18px}.journey-links a{min-height:100px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto!important}*,*::before,*::after{scroll-behavior:auto!important}.journey-link,.btn{transition:none!important;transform:none!important}}
@media print{.home-scroll-nav,.journey-booking,.journey-credentials{display:none}.journey-next{background:#fff}.page-outline{display:none}}

/* Office photographs retain the entrance signage and the full original framing. */
.office-detail-photo {margin:0 0 24px;overflow:hidden;border-radius:6px;background:#eaf0f6}
.office-detail-photo img {display:block;width:100%;height:auto;object-fit:contain}
.office-detail-photo.geelong img {max-height:360px}
/* Three continuous logo bands, positioned before the final appointment invitation. */
#home-proof-ribbons {width:100%;background:#fff;border-top:1px solid var(--journey-line)}
body[data-path="/"] .conversion-home .home-logo-ribbon {padding:24px 0 18px;border-bottom:1px solid var(--journey-line);overflow:hidden;background:#fff}
.home-ribbon-heading {display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:12px!important}
body[data-path="/"] .conversion-home .home-ribbon-heading h2 {margin:0;font-size:22px;line-height:1.3;font-weight:600;letter-spacing:-.4px}
.home-ribbon-actions {display:flex;align-items:center;gap:18px;flex-shrink:0}
.home-ribbon-actions a {font-size:14px;color:var(--journey-blue);text-underline-offset:4px}
.home-ribbon-pause {font:inherit;font-size:12px;padding:8px 12px;min-height:36px;border:1px solid #b8c6d1;border-radius:30px;background:transparent;color:var(--journey-navy);cursor:pointer}
.home-ribbon-pause[hidden] {display:none}
.home-ribbon-viewport {width:100%;overflow-x:auto;scrollbar-width:thin;padding:8px 0}
.home-ribbon-track {display:flex;width:max-content}
.home-ribbon-group {display:flex;align-items:center;justify-content:space-around;gap:48px;min-width:100vw;flex-shrink:0;list-style:none;margin:0;padding:0 24px}
.home-ribbon-logo {display:flex;align-items:center;justify-content:center;width:200px;height:90px;flex-shrink:0}
.home-ribbon-logo img {display:block;width:100%;height:100%;object-fit:contain}
.home-logo-ribbon-awards .home-ribbon-logo {width:220px;height:160px}
.home-logo-ribbon-lenders .home-ribbon-group {gap:40px;padding-inline:20px}
.home-logo-ribbon-lenders .home-ribbon-logo {width:212px;height:100px}
.lender-logo-art {position:relative;display:block;width:var(--lender-width);max-width:calc(100% - 10px);overflow:hidden;flex-shrink:0}
.home-logo-ribbon-lenders .lender-logo-art img {position:absolute;max-width:none;max-height:none;object-fit:fill}

.home-ribbon-copy {display:none}
.home-logo-ribbon[data-moving="true"] .home-ribbon-copy {display:flex}
.home-logo-ribbon[data-moving="true"] .home-ribbon-viewport {overflow:hidden}
.home-logo-ribbon[data-moving="true"] .home-ribbon-track {animation:home-ribbon-scroll var(--ribbon-duration,65s) linear infinite}
.home-logo-ribbon:hover .home-ribbon-track {animation-play-state:paused}
.home-ribbon-actions a:focus-visible,.home-ribbon-pause:focus-visible,.home-ribbon-viewport:focus-visible {outline:3px solid var(--journey-blue);outline-offset:3px}
.home-ribbon-viewport:focus-visible {outline-offset:-3px}
@keyframes home-ribbon-scroll {to {transform:translateX(-50%)}}
@media(max-width:650px){
  .home-ribbon-heading {align-items:flex-start;flex-direction:column;gap:10px}
  .home-ribbon-actions {width:100%;justify-content:space-between;gap:12px}
  body[data-path="/"] .conversion-home .home-ribbon-heading h2 {font-size:20px}
  .home-ribbon-group {gap:28px;padding-inline:14px}
  .home-ribbon-logo {width:160px;height:72px}
  .home-logo-ribbon-awards .home-ribbon-logo {width:190px;height:140px}
  .home-logo-ribbon-lenders .home-ribbon-group {gap:28px;padding-inline:14px}
  .home-logo-ribbon-lenders .home-ribbon-logo {width:174px;height:90px}

}
@media(prefers-reduced-motion:reduce){
  .home-logo-ribbon[data-moving="true"] .home-ribbon-track {animation:none}
  .home-ribbon-copy {display:none!important}
  .home-logo-ribbon[data-moving="true"] .home-ribbon-viewport {overflow-x:auto}
}