:root{--red:#d71135;--ink:#23252b;--muted:#65666c;--pink:#fff2f3;--line:#e9e9eb}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.5}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,select,summary{outline-offset:5px}img{display:block;max-width:100%}.wrap{width:min(1200px,88%);margin:auto}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(38px,3.65vw,60px);line-height:1.06;letter-spacing:-2px;margin-bottom:22px}h2{font-size:clamp(30px,2.65vw,43px);line-height:1.12;letter-spacing:-1.3px;margin-bottom:20px}h3{font-size:18px;line-height:1.35;margin-bottom:12px}p{color:var(--muted);line-height:1.5;margin-bottom:18px}h1 span,h2 span,.text-link{color:var(--red)}.utility{background:var(--ink);color:white;font-size:11px;padding:6px 0}.utility .wrap{display:flex;justify-content:space-between}.nav{display:flex;align-items:center;gap:28px;min-height:86px}.logo{width:218px}.nav nav{display:flex;gap:25px;margin-left:auto;font-size:13px}.button{background:var(--red);border:1px solid var(--red);color:white;display:inline-flex;justify-content:center;align-items:center;gap:18px;border-radius:30px;padding:12px 24px;font-weight:700;font-size:14px;cursor:pointer;transition:transform .2s,background .2s}.button:hover{background:#c91030;transform:translateY(-2px)}.button.small{font-size:12px;padding:9px 22px}.outline{background:transparent;color:var(--ink);border-color:var(--red)}.outline:hover{color:white}.menu{display:none}.hero{display:grid;grid-template-columns:49% 51%;background:linear-gradient(120deg,#fff5f5,#fff 58%);overflow:hidden}.hero-copy{padding:64px 6vw 55px max(6vw,calc((100vw - 1200px)/2));position:relative}.hero-copy .hero-subheading{font-size:18px}.hero-copy p{max-width:420px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}.tagline{font-size:14px}.hero-photo{position:relative;min-height:480px}.hero-photo>picture{display:contents}.hero-photo>img,.hero-photo>picture>img{width:100%;height:100%;object-fit:cover}.hero-photo:before{content:'';position:absolute;z-index:1;left:-100px;top:-10%;width:130px;height:120%;background:#fff9f9;border-radius:0 50% 50% 0}.photo-note{position:absolute;right:7%;bottom:12%;padding:23px 28px;background:white;border-radius:9px;box-shadow:0 8px 35px #0002;font-weight:700;line-height:1.2}.photo-note i{display:block;background:var(--red);height:2px;width:65px;margin-top:14px}.benefits{display:grid;grid-template-columns:repeat(3,1fr);padding:28px 0}.benefits>div{display:flex;gap:18px;align-items:center;padding:0 24px;border-right:1px solid var(--line)}.benefits>div:first-child{padding-left:0}.benefits>div:last-child{border:0}.benefits i,.calculator h3 i{font-size:35px;color:var(--red);font-style:normal}.benefits p{margin:0;font-size:13px}.benefits strong,.benefits small{display:block}.benefits strong{color:var(--ink);margin-bottom:5px}.benefits small{font-size:11px}.section{padding:75px 0}.section-head{display:flex;justify-content:space-between;gap:70px;align-items:center;margin-bottom:34px}.section-head h2{margin:0}.section-head>p{max-width:510px;font-size:15px;margin:0}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.service{background:#f7f7f8;border:1px solid #f0f0f1;border-radius:9px;padding:26px 30px;position:relative;min-height:180px;transition:box-shadow .2s,transform .2s}.service:hover{transform:translateY(-4px);box-shadow:0 10px 30px #0001}.service i{display:block;font-size:34px;color:var(--red);font-style:normal;line-height:1;margin-bottom:15px}.service em{position:absolute;right:24px;top:12px;font-size:30px;color:#dedee0;font-style:normal}.service h3{font-size:18px;margin-bottom:6px}.service p{font-size:14px;margin:0;max-width:240px}.service b{position:absolute;right:25px;bottom:30px;color:var(--red)}.split{display:grid;grid-template-columns:1fr 1fr;background:linear-gradient(100deg,#fff,#fff4f4)}.split>img{width:100%;height:100%;object-fit:cover;min-height:390px}.split-copy{align-self:center;padding:48px 7vw 48px 6vw}.split-copy p{font-size:15px}.ticks{padding:0;list-style:none;font-size:14px;line-height:2}.ticks li:before{content:'✓';color:var(--red);margin-right:15px}.text-link{font-size:15px;font-weight:bold}.calculator-section{background:var(--pink);padding:65px 0 80px}.calculator-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:22px;margin-top:30px}.calculator{background:white;padding:28px;border-radius:10px}.calculator h3{display:flex;gap:12px;align-items:center;font-size:17px;margin-bottom:26px}.calculator h3 i{font-size:28px}.repay-layout{display:grid;grid-template-columns:1.2fr .85fr;gap:25px}.loan-inputs label{display:flex;align-items:center;justify-content:space-between;gap:8px;font-size:12px;font-weight:bold}.loan-inputs input[type=number]{width:100px;text-align:right}.loan-inputs input[type=range]{width:100%;margin:12px 0 23px;accent-color:var(--red);cursor:pointer}.repay-result{background:var(--pink);border-radius:9px;padding:24px 12px;text-align:center;align-self:start}.repay-result strong{font-size:13px;display:block}.repay-result output{display:block;color:var(--red);font-size:42px;letter-spacing:-1px;font-weight:800;margin:10px 0 0}.repay-result small{font-size:12px}.repay-result p{font-size:11px;color:var(--red);margin:26px 0 0}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field-grid label{font-size:12px;display:flex;flex-direction:column;gap:7px;font-weight:bold}input:not([type=range]),select{min-width:0;width:100%;border:1px solid #e7e7e9;background:#f8f8f9;border-radius:5px;padding:9px 10px;color:var(--ink);font-size:13px}.full{width:100%;margin-top:24px}#duty-result{display:block;text-align:center;font-size:13px;margin:15px 0}.note{display:block;font-size:10px;color:var(--muted);line-height:1.5;margin-top:15px}.note a{text-decoration:underline}.process{padding:65px 0;background:var(--ink);color:white}.process h2{text-align:center;font-size:30px;margin-bottom:40px}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:35px}.process-grid i{font-style:normal;background:var(--red);width:40px;height:40px;display:grid;place-items:center;border-radius:50%;font-size:13px;margin-bottom:16px;position:relative}.process-grid i:after{content:'';position:absolute;left:55px;top:20px;background:#b47580;width:150px;height:1px}.process-grid>div:last-child i:after{display:none}.process-grid p{color:#ccc;font-size:14px;margin:0}.process-grid h3{font-size:17px}.reviews{padding-top:100px;padding-bottom:100px}.reviews .section-head{justify-content:flex-start;gap:90px}.google{font-size:32px;font-weight:bold;color:#4285f4}.reviews small{color:var(--muted)}.review-placeholder{display:flex;align-items:center;gap:25px;padding:35px;background:#fafafa;border:1px dashed #ccc;border-radius:10px}.review-placeholder p{margin:0}.mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px;margin:28px 0}.mini-grid h3{font-size:15px}.mini-grid p{font-size:13px}.resources{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.resource{border:1px solid var(--line);border-radius:6px;overflow:hidden}.resource>img{height:185px;width:100%;object-fit:cover}.resource>div{position:relative;padding:22px 22px 35px}.resource small{font-size:10px;color:#666;letter-spacing:1px}.resource h3{font-size:18px;margin:8px 0}.resource p{font-size:14px;margin:0}.resource b{color:var(--red);position:absolute;right:22px;bottom:12px}.faq{display:grid;grid-template-columns:.85fr 1.2fr;gap:90px;padding-top:60px;padding-bottom:110px}.faq>div>p{font-size:15px}details{background:#f7f7f8;border-radius:7px;margin-bottom:12px;padding:16px 20px}summary{cursor:pointer;list-style:none;font-size:14px;font-weight:bold;padding-left:28px;position:relative}summary:before{content:'⊕';color:var(--red);position:absolute;left:0;top:-3px;font-size:20px}details[open] summary:before{content:'⊖'}details p{font-size:14px;margin:12px 0 0 28px}.contact{background:var(--red);color:white;padding:65px 0}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:90px;align-items:center}.contact h2{font-size:40px}.contact a{display:block;margin:7px 0;font-size:18px}.contact p{color:white;margin-top:8px}.contact form{padding:28px;background:white;color:var(--ink);border-radius:10px}.contact form small{display:block;font-size:10px;color:var(--muted);margin-top:12px;text-align:center}.contact form .full{margin-top:18px}footer{background:var(--ink);color:white;padding:60px 0 20px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1.2fr;gap:45px}.footer-grid .logo{background:white;border-radius:4px;padding:6px}.footer-grid h2{font-size:14px}.footer-grid div a,.footer-grid p{display:block;color:#ccc;font-size:12px;margin:5px 0;overflow-wrap:anywhere}.legal{margin-top:45px;border-top:1px solid #ffffff26;padding-top:20px;display:flex;justify-content:space-between;gap:20px}.legal p{font-size:10px;color:#aaa;margin:0}section[id]{scroll-margin-top:20px}@media(min-width:1600px){.hero-copy{padding-top:85px;padding-bottom:80px}.hero-photo{max-height:650px}}@media(max-width:1000px){.nav{gap:18px}.nav nav{gap:12px;font-size:11px}.logo{width:175px}.hero-copy{padding:45px 30px}.hero-photo{min-height:420px}.hero-copy .hero-subheading{font-size:15px}.hero-copy p{font-size:14px}.calculator-grid{grid-template-columns:1fr}.split-copy{padding:35px}.section-head{gap:30px}.process-grid i:after{width:100px}.contact-grid{gap:40px}.footer-grid{gap:25px}}@media(max-width:700px){.wrap{width:89%}.utility{font-size:9px}.utility a{display:none}.nav{min-height:75px;flex-wrap:wrap;position:relative}.nav>.small{margin-left:auto}.menu{display:block;order:3;background:none;border:0;font-size:24px}.nav nav{display:none;order:4;flex-basis:100%;padding:12px 0 22px;font-size:15px;flex-direction:column}.nav nav.open{display:flex}.logo{width:150px}.hero{grid-template-columns:1fr}.hero-copy{padding:48px 6% 35px}h1{font-size:43px}.hero-photo{min-height:320px;height:340px}.hero-photo:before{display:none}.photo-note{font-size:14px;padding:18px;bottom:25px}.benefits{grid-template-columns:1fr;gap:18px;padding:25px 0}.benefits>div{padding:0;border:0}.benefits i{width:32px;font-size:28px}.benefits strong{font-size:14px}.section{padding:55px 0}.section-head{display:block;margin-bottom:28px}.section-head h2{margin-bottom:18px}.service-grid{grid-template-columns:1fr 1fr;gap:12px}.service{padding:20px;min-height:190px}.service h3{font-size:16px}.service p{font-size:12px}.service b{bottom:12px;right:16px}.service em{font-size:23px;right:15px}.split{grid-template-columns:1fr}.split>img{min-height:0;height:300px}.split-copy{padding:40px 6%}.calculator-section{padding:50px 0}.calculator{padding:22px 18px}.calculator h3{font-size:16px}.repay-layout{gap:12px}.repay-result{padding:20px 8px}.repay-result output{font-size:33px}.loan-inputs input[type=number]{width:80px}.loan-inputs label{font-size:11px}.field-grid{gap:15px}.process{padding:50px 0}.process-grid{grid-template-columns:1fr 1fr;gap:30px}.process-grid i:after{display:none}.process h2{text-align:left}.reviews .section-head{display:block}.reviews .section-head h2{margin-bottom:25px}.review-placeholder{padding:25px}.resources{grid-template-columns:1fr;gap:24px}.resource>img{height:210px}.faq{grid-template-columns:1fr;gap:20px;padding-bottom:75px}.contact-grid{grid-template-columns:1fr;gap:30px}.contact{padding:55px 0}.contact h2{font-size:36px}.contact a{font-size:15px}.contact form{padding:22px}.footer-grid{grid-template-columns:1fr 1fr;gap:35px 20px}.legal{display:block}.legal p{margin-bottom:15px}.button{font-size:12px;padding:11px 20px}.nav .button{padding:8px 16px;font-size:10px}}

.service i svg,.benefits i svg{width:34px;height:34px;display:block}.benefits i{flex-shrink:0}

/* Lender logo marquee */
.lenders{padding:58px 0 48px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.lenders-heading{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-bottom:30px}.lenders h2{font-size:28px;margin-bottom:8px}.lenders p{font-size:14px;margin:0}.lender-window{overflow:hidden;mask-image:linear-gradient(to right,transparent,#000 5%,#000 95%,transparent)}.lender-track{display:flex;width:max-content;animation:lender-scroll 75s linear infinite;will-change:transform}.lender-group{display:flex;align-items:center;gap:55px;padding-right:55px;flex-shrink:0}.lender-logo{width:210px;height:85px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.lender-logo img{width:100%;height:100%;object-fit:contain}.lender-window:hover .lender-track,.lender-window:focus-within .lender-track{animation-play-state:paused}@keyframes lender-scroll{to{transform:translateX(-50%)}}@media(max-width:700px){.lenders{padding:40px 0}.lenders h2{font-size:23px}.lenders-heading{align-items:flex-start}.lender-logo{width:160px;height:65px}.lender-group{gap:35px;padding-right:35px}}@media(prefers-reduced-motion:reduce){.lender-track{animation:none;transform:none;will-change:auto}.lender-window{overflow-x:auto;mask-image:none;padding:0 6%}.lender-clone{display:none}}

/* Two distinct lender rows and full-width Google Reviews */
.lender-window + .lender-window{margin-top:30px}.lender-track-reverse{animation-direction:reverse}.reviews{width:100%;max-width:none;margin-left:0;margin-right:0}#google-reviews-embed{width:100%;max-width:none}#google-reviews-embed>.elfsight-app-f9c9247a-06de-4ff3-8fbd-8edeb3926782{width:100%}

/* Full-bleed reviews: keep the heading aligned, expand the actual widget. */
#reviews.section.reviews{display:block;width:100%;max-width:none;margin:0;padding-left:0;padding-right:0}
#reviews #google-reviews-embed{display:block;width:100%;max-width:none;margin:0;padding:0}
#google-reviews-embed > .elfsight-app-f9c9247a-06de-4ff3-8fbd-8edeb3926782,
#google-reviews-embed .es-widget,
#google-reviews-embed .eapps-google-reviews,
#google-reviews-embed [class*="WidgetBackground__Container"],
#google-reviews-embed [class*="WidgetBackground__Content"],
#google-reviews-embed [class*="WidgetBackground__ContentContainer"]{width:100%!important;max-width:none!important;margin-left:0!important;margin-right:0!important}
#google-reviews-embed [class*="WidgetBackground__Content"]{padding-left:20px!important;padding-right:20px!important}
@media(max-width:700px){#google-reviews-embed [class*="WidgetBackground__Content"]{padding-left:12px!important;padding-right:12px!important}}

#google-reviews-embed .es-embed-root{width:100%!important;max-width:none!important;margin-left:0!important;margin-right:0!important}

/* Combined calculator breakdown and enquiry: original panels retained. */
#loan-dialog{border:0;border-radius:16px;padding:0;width:min(760px,94vw);max-height:90dvh;color:var(--ink);box-shadow:0 20px 100px #0004;overflow:hidden}#loan-dialog::backdrop{background:rgba(24,25,31,.65);backdrop-filter:blur(3px)}.loan-dialog-top{display:flex;gap:24px;align-items:flex-start;justify-content:space-between;padding:28px 32px;border-bottom:1px solid var(--line);background:white}.loan-dialog-top small{font-size:10px;letter-spacing:1.5px;color:var(--red);font-weight:bold}.loan-dialog-top h2{font-size:28px;margin:8px 0 0}.loan-dialog-top button{border:1px solid var(--line);background:white;font-size:27px;border-radius:50%;width:40px;height:40px;flex-shrink:0;cursor:pointer;line-height:1}.loan-dialog-scroll{padding:28px 32px 36px;max-height:calc(90dvh - 125px);overflow-y:auto;overscroll-behavior:contain}.loan-highlight{background:var(--pink);text-align:center;padding:25px;border-radius:10px}.loan-highlight span,.loan-highlight small{display:block}.loan-highlight strong{display:block;font-size:46px;line-height:1.2;color:var(--red);margin:8px 0}.loan-highlight small{font-size:12px;color:var(--muted)}#loan-breakdown{display:grid;grid-template-columns:1.3fr 1fr;margin:25px 0}#loan-breakdown dt,#loan-breakdown dd{padding:13px 0;border-bottom:1px solid var(--line);font-size:14px;margin:0}#loan-breakdown dd{text-align:right;font-weight:bold;padding-left:16px}#loan-breakdown dt:last-of-type,#loan-breakdown dd:last-of-type{color:var(--red);font-size:16px}.loan-assumptions{background:#f8f8f9;padding:20px;border-radius:8px}.loan-assumptions p,.loan-assumptions li{font-size:12px;color:var(--muted)}.loan-assumptions ul{padding-left:18px}.loan-assumptions a{color:var(--red);font-size:12px;text-decoration:underline}.loan-assumptions small{display:block;font-size:10px;color:var(--muted);margin-top:12px}#loan-lead-section{padding-top:45px;scroll-margin-top:20px}#loan-lead-section h2{font-size:28px}#loan-lead-section>p{font-size:14px}.loan-consent{display:flex;gap:12px;align-items:flex-start;font-size:12px;margin-top:24px;line-height:1.5}.loan-consent input[type=checkbox]{width:18px;height:18px;flex-shrink:0;margin:2px 0;accent-color:var(--red)}.loan-consent a{text-decoration:underline}#loan-lead-status{font-size:13px;margin:14px 0 0}#duty-result{min-height:20px}@media(max-width:700px){#loan-dialog{width:96vw;max-height:94dvh}.loan-dialog-top{padding:22px 20px}.loan-dialog-top h2{font-size:23px}.loan-dialog-scroll{padding:22px 20px;max-height:calc(94dvh - 125px)}#loan-breakdown dt,#loan-breakdown dd{font-size:12px}#loan-breakdown dt:last-of-type,#loan-breakdown dd:last-of-type{font-size:13px}.loan-highlight strong{font-size:40px}#loan-lead-section .field-grid{grid-template-columns:1fr}}


/* Footer matched to the original homepage concept. */
.site-footer{background:#232429;padding:58px 0 22px;color:#fff}.footer-main{display:grid;grid-template-columns:1.15fr 1.8fr .85fr 1.35fr;gap:38px;align-items:start}.footer-brand{display:block;max-width:230px;margin-top:3px}.footer-brand img{width:100%;height:auto;background:none;padding:0}.footer-main h2{font-size:14px;line-height:1.3;margin:0 0 17px;font-weight:700;color:#fff}.footer-main nav>a,.footer-service-links a{display:block;font-size:12px;line-height:1.55;color:#c9c9cd;margin:0 0 8px}.footer-main a:hover,.footer-bottom a:hover{color:#fff;text-decoration:underline;text-underline-offset:4px}.footer-service-links{display:grid;grid-template-columns:1fr 1.2fr;gap:22px}.footer-contact a,.footer-contact p{display:flex;gap:10px;align-items:flex-start;color:#c9c9cd;font-size:12px;line-height:1.55;margin:0 0 13px}.footer-contact svg{width:15px;height:17px;flex-shrink:0;margin-top:1px;stroke:#c9c9cd;stroke-width:1.5;fill:none;stroke-linecap:round;stroke-linejoin:round}.footer-contact span{overflow-wrap:anywhere;min-width:0}.footer-bottom{border-top:1px solid #ffffff20;margin-top:43px;padding-top:22px;display:flex;justify-content:space-between;gap:35px;align-items:center}.footer-bottom p{font-size:10px;line-height:1.65;margin:0;color:#acadb3}.footer-licence{max-width:600px}.footer-right{text-align:right;flex-shrink:0}.footer-right nav{display:flex;justify-content:flex-end;gap:10px;font-size:10px;color:#acadb3;margin-top:8px}@media(max-width:1050px){.footer-main{grid-template-columns:1fr 1.6fr;gap:36px 45px}.footer-brand{max-width:220px}.footer-bottom{align-items:flex-start}.footer-right{flex-shrink:1}}@media(max-width:600px){.site-footer{padding:45px 0 25px}.footer-main{grid-template-columns:1fr 1fr;gap:32px 22px}.footer-brand{grid-column:1/-1;max-width:205px}.footer-services{grid-column:1/-1}.footer-service-links{grid-template-columns:1fr 1fr;gap:22px}.footer-main h2{margin-bottom:14px}.footer-main nav>a,.footer-service-links a,.footer-contact a,.footer-contact p{font-size:12px}.footer-bottom{display:block;margin-top:35px;padding-top:22px}.footer-right{text-align:left;margin-top:18px}.footer-right nav{justify-content:flex-start}.footer-bottom p{font-size:10px}}

/* Compact header language links. */
.language-switch{display:flex;align-items:center;gap:8px;margin-left:auto;flex-shrink:0}.language-switch a{display:flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:4px}.language-switch a:hover,.language-switch a[aria-current=page]{background:#fff0f2}.language-switch img{width:24px;height:16px;object-fit:cover;box-shadow:0 0 0 1px #0001;border-radius:1px}header{position:relative}.language-switch{position:absolute;right:24px;top:50%;transform:translateY(-50%);margin:0;gap:4px}.language-switch a{width:24px;height:30px}.language-switch img{width:22px;height:15px}@media(max-width:1000px) and (min-width:701px){.language-switch{top:auto;bottom:2px;transform:none}.language-switch a{height:20px}}@media(max-width:700px){.language-switch{right:0;top:auto;bottom:-22px;transform:none;gap:4px}.language-switch a{width:25px;height:22px}.language-switch img{width:21px;height:14px}header{padding-bottom:24px}}html[lang=zh-Hans] body{font-family:Arial,"PingFang SC","Microsoft YaHei",sans-serif}html[lang=zh-Hans] h1,html[lang=zh-Hans] h2{letter-spacing:0;line-height:1.25}

/* Keep the white navigation visible on desktop; the utility strip scrolls away. */
@media(min-width:1001px){body>header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 2px 10px #00000008}}

/* Legal document pages. */
.legal-page{padding:58px 0 85px}.legal-breadcrumb{font-size:13px;color:var(--muted);margin-bottom:28px}.legal-breadcrumb a{color:var(--red)}.legal-page h1{font-size:clamp(34px,4vw,52px);letter-spacing:-1px;margin-bottom:32px}.legal-document{max-width:900px}.legal-document h2{font-size:25px;line-height:1.3;letter-spacing:-.4px;margin:36px 0 16px}.legal-document h3{font-size:19px;margin:28px 0 12px}.legal-document p,.legal-document li{font-size:16px;line-height:1.75;color:var(--muted)}.legal-document ul{padding-left:25px;margin:16px 0 24px}.legal-document li{padding-left:5px;margin:9px 0}.legal-document .labelled-list{list-style:none;padding-left:0}.legal-document a{color:var(--red);text-decoration:underline;overflow-wrap:anywhere}.footer-right nav{flex-wrap:wrap}@media(max-width:700px){.legal-page{padding:35px 0 55px}.legal-document h2{font-size:23px}.legal-document p,.legal-document li{font-size:15px}}

/* Extra finance services and optional repayment modelling. */
.borrowing-support{background:var(--pink);padding:65px 0}.support-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.support-grid article{background:#fff;border-radius:10px;padding:30px;display:flex;flex-direction:column;align-items:flex-start}.support-grid i{display:block;color:var(--red);margin-bottom:18px}.support-grid svg{width:32px;height:32px}.support-grid p{font-size:14px}.support-grid .text-link{margin-top:auto}.loan-adjustments{border-top:1px solid var(--line);padding-top:16px;margin-top:0}.loan-adjustments label{display:block;margin-bottom:7px}.loan-adjustments input{margin-bottom:14px}.loan-adjustments small{display:block;color:var(--muted);font-size:10px;line-height:1.5}.repay-result #repayment-savings{border-top:1px solid #ed183b25;margin-top:18px;padding-top:14px}.repay-result #repayment-savings:empty{display:none}.repay-result #repayment-savings small{display:block;font-size:11px;margin-bottom:8px}.service-grid .service{min-height:205px}@media(max-width:700px){.support-grid{grid-template-columns:1fr}.borrowing-support{padding:45px 0}.support-grid article{padding:25px}.loan-adjustments label{font-size:11px}.repay-result #repayment-savings small{font-size:10px}}

/* Keep the replacement logo proportions natural. */
.nav .logo{height:auto}.footer-brand img{aspect-ratio:609/565;object-fit:contain}.footer-brand{max-width:190px}@media(max-width:600px){.footer-brand{max-width:165px}}

/* Shared multi-page navigation and service page layouts. */
.primary-nav{align-items:center}.nav-group{position:static}.nav-toggle{display:flex;align-items:center;gap:5px;border:0;padding:12px 0;background:none;color:inherit;font:inherit;cursor:pointer;white-space:nowrap}.nav-toggle>span{font-size:13px;color:var(--red)}.nav-toggle[aria-expanded=true]{color:var(--red)}.mega-panel{position:absolute;top:100%;left:50%;transform:translateX(-50%);width:min(1040px,94vw);padding:30px;background:#fff;box-shadow:0 18px 45px #23252b24;border:1px solid var(--line);border-top:3px solid var(--red);border-radius:0 0 12px 12px;z-index:110}.mega-panel[hidden]{display:none}.mega-columns{display:grid;grid-template-columns:1fr 1fr 1.1fr;gap:30px}.mega-label{font-size:10px;letter-spacing:1.2px;text-transform:uppercase;color:var(--red);font-weight:bold;margin-bottom:13px}.mega-columns>div>a{display:block;padding:9px 0;font-size:13px;line-height:1.4}.mega-columns>div>a:hover strong{color:var(--red)}.mega-columns strong{font-weight:600}.mega-columns small{display:block;margin-top:4px;color:var(--muted);font-size:11px}.mega-columns aside{background:var(--pink);padding:23px;border-radius:8px}.mega-columns aside .mega-title{font-size:22px;line-height:1.2}.mega-columns aside>p:not(.mega-label){font-size:13px}.mega-columns aside .button{font-size:12px;padding:10px 18px;color:#fff}.nav>.primary-nav{gap:18px;font-size:12px}.nav>nav>a{white-space:nowrap}.inner-hero{background:linear-gradient(120deg,#fff2f3,#fff);padding:50px 0 58px}.inner-hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:65px;align-items:center}.inner-hero-grid:not(:has(.inner-photo)){grid-template-columns:1fr;max-width:1000px}.inner-breadcrumb{font-size:12px;color:var(--muted);margin-bottom:28px}.inner-breadcrumb a{color:var(--red)}.inner-breadcrumb span{margin:0 10px}.eyebrow{font-size:11px;color:var(--red);text-transform:uppercase;letter-spacing:1.3px;font-weight:bold;margin-bottom:15px}.inner-hero h1{font-size:clamp(36px,4vw,55px);letter-spacing:-1.5px}.inner-intro{font-size:17px;max-width:600px}.inner-hero .actions{margin-bottom:0}.inner-photo{border-radius:12px;overflow:hidden;aspect-ratio:1.25;background:#fff}.inner-photo img{width:100%;height:100%;object-fit:cover}.inner-photo.portrait{aspect-ratio:1.15}.inner-photo.portrait img{object-fit:contain;object-position:center bottom}.inner-sections{max-width:950px;padding-top:45px;padding-bottom:30px}.inner-sections article{padding:30px 0;border-bottom:1px solid var(--line);scroll-margin-top:125px}.inner-sections article:last-child{border:0}.inner-sections h2{font-size:30px;letter-spacing:-.7px}.inner-sections p{font-size:16px;line-height:1.75;max-width:870px}.inner-section{padding-top:55px;padding-bottom:60px}.inner-section>h2{font-size:32px}.inner-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.inner-cards>a{border:1px solid var(--line);background:#fafafa;border-radius:10px;padding:30px;display:flex;flex-direction:column;align-items:flex-start;transition:transform .2s,box-shadow .2s}.inner-cards>a:hover{transform:translateY(-3px);box-shadow:0 8px 25px #0001}.inner-cards h3{font-size:21px}.inner-cards p{font-size:14px}.inner-cards .text-link{margin-top:auto;font-size:13px}.inner-faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:65px;padding:55px 0 75px}.inner-faq h2{font-size:32px}.inner-faq>div>p{font-size:14px}.inner-cta{background:var(--pink);padding:50px 0}.inner-cta>.wrap{display:flex;justify-content:space-between;gap:35px;align-items:center}.inner-cta h2{font-size:32px;margin-bottom:12px}.inner-cta p{margin-bottom:0}.inner-cta .button{flex-shrink:0}.inner-enquiry{background:var(--pink);padding:65px 0}.inner-enquiry-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:65px;align-items:start}.inner-enquiry h2{font-size:36px}.inner-enquiry p{line-height:1.8}.inner-enquiry a:not(.button){text-decoration:underline;text-underline-offset:3px}.page-enquiry{background:#fff;border-radius:12px;padding:30px}.message-label{display:flex;flex-direction:column;gap:8px;margin-top:18px;font-size:12px;font-weight:bold}textarea{font:inherit;max-width:100%;width:100%;border:1px solid #e7e7e9;background:#f8f8f9;border-radius:5px;padding:12px;font-size:14px;color:var(--ink);resize:vertical}.topic-links{display:flex;gap:10px;flex-wrap:wrap;padding-top:32px}.topic-links a{border:1px solid #ed183b33;background:var(--pink);padding:8px 13px;border-radius:25px;font-size:12px}.topic-links a:hover{color:var(--red)}
@media(max-width:1100px) and (min-width:1001px){.nav>.primary-nav{gap:12px;font-size:11px}.nav{gap:18px}.nav .logo{width:185px}.nav>.small{font-size:11px;padding:9px 15px}}
@media(max-width:1000px){.menu{display:block;order:3;border:0;background:none;font-size:24px;cursor:pointer}.nav{position:relative;flex-wrap:wrap}.nav>.primary-nav{display:none;order:4;flex-basis:100%;margin-left:0;font-size:15px;padding:15px 0 25px;flex-direction:column;align-items:stretch;gap:0;max-height:75dvh;overflow-y:auto}.nav>.primary-nav.open{display:flex}.primary-nav>a{padding:12px 0}.nav-toggle{width:100%;justify-content:space-between;padding:12px 0}.mega-panel{position:static;transform:none;width:100%;padding:18px;border-radius:8px;box-shadow:none;border-top-width:1px}.mega-columns{grid-template-columns:1fr 1fr;gap:20px}.mega-columns aside{grid-column:1/-1}.mega-columns>div>a{font-size:14px}.mega-columns small{font-size:12px}.nav>.small{margin-left:auto}.inner-hero-grid{gap:30px}.inner-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.inner-enquiry-grid{gap:35px}.inner-faq{gap:35px}}
@media(max-width:700px){.inner-hero{padding:30px 0 40px}.inner-hero-grid{grid-template-columns:1fr;gap:30px}.inner-hero h1{font-size:38px}.inner-breadcrumb{margin-bottom:22px}.inner-intro{font-size:16px}.inner-photo{aspect-ratio:1.5}.inner-photo.portrait{aspect-ratio:1.25;max-height:350px}.inner-sections{padding-top:25px;padding-bottom:15px}.inner-sections article{padding:25px 0}.inner-sections h2{font-size:27px}.inner-sections p{font-size:15px}.inner-cards{grid-template-columns:1fr}.inner-cards>a{padding:25px}.inner-section{padding:35px 0}.inner-faq{grid-template-columns:1fr;gap:20px;padding:40px 0 50px}.inner-cta>.wrap{display:block}.inner-cta .button{margin-top:23px}.inner-enquiry{padding:45px 0}.inner-enquiry-grid{grid-template-columns:1fr;gap:25px}.page-enquiry{padding:23px}.mega-columns{grid-template-columns:1fr}.mega-columns aside{grid-column:auto}.mega-columns aside .mega-title{font-size:20px}.nav>.primary-nav{font-size:15px}.topic-links{gap:8px}.topic-links a{font-size:11px}}

@media(max-width:700px){.nav{gap:8px}.nav .logo{width:125px}.nav>.small{flex:1;max-width:155px;min-width:0;text-align:center;line-height:1.25;padding:8px 10px;font-size:10px;gap:0}.nav>.menu{padding:0 0 0 2px;width:26px;flex-shrink:0}}

@media(max-width:1000px){.primary-nav>.nav-group,.primary-nav>a{flex-shrink:0}}

/* Footer social profiles. */
.footer-socials{display:flex;justify-content:center;width:100%;max-width:190px;gap:10px;margin-top:20px}.footer-socials a{display:flex;align-items:center;justify-content:center;width:36px;height:36px;border:1px solid #ffffff40;border-radius:50%;color:#fff;transition:background .2s,border-color .2s}.footer-socials a:hover{background:var(--red);border-color:var(--red)}.footer-socials svg{width:20px;height:20px}.footer-socials a:focus-visible{outline:2px solid #fff;outline-offset:4px}@media(max-width:600px){.footer-brand-block{grid-column:1/-1}.footer-socials{max-width:165px}}

/* Dedicated home refinancing landing page. */
.refinance-page h2{font-size:clamp(29px,3vw,40px);line-height:1.12;letter-spacing:-1.1px}.refinance-page h3{font-size:20px;line-height:1.3;letter-spacing:-.3px}.refinance-page p{line-height:1.75}.ref-split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.ref-hero{padding:35px 0 65px}.ref-hero h1{max-width:610px;font-size:clamp(38px,4vw,56px);line-height:1.05}.ref-hero-line{font-size:23px;font-weight:700;color:var(--ink);line-height:1.3!important;margin:23px 0 18px}.ref-hero .inner-intro{font-size:16px}.ref-hero .actions{gap:10px;flex-wrap:wrap;margin:25px 0}.ref-hero .button{padding:13px 20px;font-size:13px}.ref-hero-photo{position:relative;padding-bottom:35px;min-width:0}.ref-hero-photo>img{display:block;width:100%;height:490px;object-fit:cover;object-position:48% center;border-radius:14px}.ref-photo-note{position:absolute;bottom:0;left:24px;right:24px;display:flex;align-items:center;gap:14px;background:#fff;box-shadow:0 10px 35px #23252b12;padding:21px 23px;border:1px solid var(--line);border-radius:10px}.ref-photo-note strong{font-size:15px;display:block}.ref-photo-note div>span{display:block;font-size:12px;color:var(--muted);margin-top:6px}.ref-icon{color:var(--red);display:inline-flex;flex-shrink:0}.ref-icon svg{width:30px;height:30px}.ref-checks{list-style:none;padding:0;margin:22px 0 0}.ref-checks li{position:relative;padding-left:25px;color:var(--muted);font-size:14px;line-height:1.6;margin:13px 0}.ref-checks li::before{content:"✓";position:absolute;left:0;top:0;color:var(--red);font-weight:bold}.ref-proof{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.ref-proof>.wrap{display:grid;grid-template-columns:repeat(4,1fr);padding:27px 0;gap:25px}.ref-proof strong,.ref-proof span{display:block}.ref-proof strong{font-size:14px;color:var(--ink);margin-bottom:7px}.ref-proof span{font-size:12px;color:var(--muted)}.ref-proof a:hover strong{color:var(--red)}.ref-section{padding-top:85px;padding-bottom:85px}.ref-heading{max-width:730px;margin-bottom:35px}.ref-heading p:last-child{margin-bottom:0}.ref-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.ref-card{padding:32px;background:#f7f7f8;border:1px solid var(--line);border-radius:10px}.ref-card .ref-icon{margin-bottom:24px}.ref-card p{font-size:14px;margin-bottom:0}.ref-soft{background:#fff7f8}.ref-panel{background:#fff;border:1px solid var(--line);padding:34px;border-radius:12px}.ref-panel .ref-checks{margin-top:18px}.ref-panel .ref-checks li:last-child{margin-bottom:0}.ref-costs{display:grid;grid-template-columns:1fr 1fr;gap:25px}.ref-costs article{border-top:2px solid #ed183b40;padding:18px 0 0}.ref-costs h3{font-size:17px;margin-bottom:10px}.ref-costs p{font-size:14px;margin-bottom:0}.ref-example{display:grid;grid-template-columns:1.5fr 1fr;gap:70px;background:#232429;color:#fff;padding:48px;border-radius:14px;margin-top:5px;margin-bottom:5px}.ref-example p{color:#d2d2d6;font-size:15px}.ref-example .eyebrow{color:#ff8c9f}.ref-example small{display:block;margin-top:18px;font-size:11px;line-height:1.6;color:#c8c8ce;max-width:550px}.ref-equation{background:#ffffff0a;border:1px solid #ffffff20;border-radius:10px;padding:30px;align-self:center;text-align:center}.ref-equation span{display:block;color:#d2d2d6;font-size:13px}.ref-equation strong{display:block;font-size:45px;letter-spacing:-1.5px;margin:12px 0}.ref-equation div{border-top:1px solid #ffffff25;margin-top:23px;padding-top:8px}.ref-equation div strong{color:#ff8c9f;font-size:36px}.ref-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:30px;list-style:none;padding:0;margin:0}.ref-steps li{border-top:1px solid #ed183b44;padding-top:20px}.ref-steps li>span{display:flex;width:39px;height:39px;justify-content:center;align-items:center;background:var(--pink);border-radius:50%;font-size:12px;font-weight:bold;color:var(--red);margin-bottom:22px}.ref-steps h3{font-size:18px}.ref-steps p{font-size:14px;margin-bottom:0}.ref-broker-photo{background:#fff;border-radius:12px;overflow:hidden;max-width:490px}.ref-broker-photo img{display:block;width:100%;height:auto}.ref-review-link{display:block;font-size:13px;font-weight:bold;color:var(--red);margin-top:22px}.ref-local{background:#f7f7f8}.ref-local h2{max-width:800px}.ref-local p{max-width:900px}.ref-faq{padding-top:85px;padding-bottom:85px}.ref-faq details p{font-size:14px;padding-right:15px}.refinance-page #refinance-enquiry{scroll-margin-top:100px}.refinance-page .page-enquiry .button{width:100%;margin-top:5px}.refinance-page .loan-consent{margin:22px 0}.ref-note{padding:35px 0 55px}.ref-note p{font-size:11px;max-width:950px;margin-bottom:0}.ref-note p a{color:var(--red);text-decoration:underline}.ref-note .topic-links{padding-top:23px}.refinance-page a:focus-visible,.refinance-page button:focus-visible,.refinance-page summary:focus-visible{outline:2px solid var(--red);outline-offset:4px}
@media(max-width:1000px){.ref-split{gap:35px}.ref-hero-photo>img{height:430px}.ref-photo-note{left:10px;right:10px;padding:18px 15px}.ref-cards{gap:16px}.ref-card{padding:24px}.ref-section{padding-top:65px;padding-bottom:65px}.ref-example{padding:35px;gap:35px}.ref-steps{grid-template-columns:1fr 1fr;gap:30px}.ref-proof>.wrap{grid-template-columns:1fr 1fr;gap:23px}.ref-costs{grid-template-columns:1fr;gap:18px}}
@media(max-width:700px){.ref-split{grid-template-columns:1fr;gap:30px}.ref-hero{padding:28px 0 40px}.ref-hero h1{font-size:39px}.ref-hero-line{font-size:21px}.ref-hero-photo>img{height:300px}.ref-photo-note{left:14px;right:14px}.ref-proof>.wrap{gap:22px 15px;padding:25px 0}.ref-proof strong{font-size:12px}.ref-proof span{font-size:11px;line-height:1.5}.ref-section{padding-top:48px;padding-bottom:48px}.ref-cards{grid-template-columns:1fr}.ref-card{padding:26px}.ref-card .ref-icon{margin-bottom:18px}.ref-panel{padding:26px}.ref-costs{grid-template-columns:1fr 1fr;gap:22px}.ref-costs h3{font-size:16px}.ref-costs p{font-size:13px}.ref-example{grid-template-columns:1fr;padding:28px;gap:28px;margin-top:0;margin-bottom:0}.ref-example .button{font-size:12px;padding:13px 17px}.ref-equation{width:100%;padding:24px}.ref-steps{gap:28px 22px}.ref-steps h3{font-size:17px}.ref-steps p{font-size:13px}.ref-broker-photo{max-width:400px;width:100%;margin:auto}.ref-faq{padding-top:48px;padding-bottom:48px}.ref-note{padding-bottom:40px}.refinance-page .field-grid{grid-template-columns:1fr}.refinance-page #refinance-enquiry{scroll-margin-top:25px}}
@media(prefers-reduced-motion:reduce){.refinance-page{scroll-behavior:auto}}

/* Chinese headings wrap evenly without running into the curved hero image. */
html[lang="zh-Hans"] .hero-copy h1{font-size:clamp(34px,3.2vw,48px);line-height:1.25;text-wrap:balance;max-width:100%}
html[lang="zh-Hans"] .ref-home-hero .hero-copy{padding-right:max(45px,5vw)}
html[lang="zh-Hans"] .hero-copy .hero-subheading{line-height:1.6}
html[lang="zh-Hans"] h2{text-wrap:balance}
@media(max-width:700px){html[lang="zh-Hans"] .hero-copy h1{font-size:34px}html[lang="zh-Hans"] .ref-home-hero .hero-copy{padding:35px 6%}}

/* Smaller, consistent Lester portraits and readable first-person profiles. */
img.lester-portrait{display:block;width:280px!important;height:280px!important;min-height:0!important;max-height:280px!important;max-width:100%!important;object-fit:contain!important;object-position:center bottom!important;align-self:center;justify-self:center;background:#fff}
.inner-photo.portrait:has(img.lester-portrait){width:280px;max-width:100%;aspect-ratio:1;justify-self:center}
.broker-profile.split{grid-template-columns:36% 64%;align-items:center}
.broker-profile .split-copy{padding:55px max(6vw,calc((100vw - 1200px)/2)) 55px 35px}
.broker-profile .split-copy p:not(.eyebrow){font-size:15px;line-height:1.75;margin-bottom:18px}
.broker-profile .broker-name{font-size:11px;line-height:1.5;margin-bottom:16px;color:var(--red)}
.broker-profile .split-copy .text-link{display:inline-block;margin-top:6px}
@media(min-width:1001px){#services .service-grid{grid-template-columns:repeat(12,minmax(0,1fr))}#services .service-grid>.service{grid-column:span 4}#services .service-grid>.service:nth-child(n+7){grid-column:span 3;padding-bottom:42px}}
@media(max-width:700px){img.lester-portrait{width:240px!important;height:240px!important;max-height:240px!important}.inner-photo.portrait:has(img.lester-portrait){width:240px}.broker-profile.split{grid-template-columns:1fr;padding-top:35px}.broker-profile .split-copy{padding:30px 6% 45px}.broker-profile .split-copy p:not(.eyebrow){font-size:14px;line-height:1.75}}

.hero-copy .hero-subheading{font-weight:700;line-height:1.35;margin-bottom:12px;color:var(--ink)}.mega-columns aside .mega-title{font-weight:700;color:var(--ink);margin-bottom:12px}
main p a:not(.btn){text-underline-offset:3px}main p a:not(.btn):hover{text-decoration:underline}

.skip-link{position:fixed;left:16px;top:-100px;z-index:99999;background:#fff;color:#24252a;padding:12px 18px;border:2px solid var(--red)}.skip-link:focus{top:12px}

/* Accessible small-text contrast on white and pale pink surfaces. */
body #contact{background:linear-gradient(110deg,#d71135,#c91030)}
.process-grid i{color:#fff}