/* Additions for chawlafinance.com.au — uses the site's own palette (navy #2F3F4E, orange #EF4A38) */
.offers{display:grid;gap:12px;margin:30px auto 10px;max-width:760px;grid-template-columns:1fr;text-align:left}
@media (min-width:640px){.offers{grid-template-columns:1fr 1fr}}
.offer{display:flex;flex-direction:column;gap:2px;padding:16px 20px;border-radius:var(--border-radius-lg);background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);border-left:5px solid var(--secondary-color);color:#fff;text-decoration:none;transition:var(--transition)}
.offer:hover{background:rgba(255,255,255,.24);transform:translateY(-2px)}
.offer b{font-family:var(--font-primary);font-size:1.6rem;line-height:1.15;font-weight:700;color:#fff}
.offer span{font-size:.95rem;opacity:.95}
@media (min-width:640px){.offer-wide{grid-column:1/-1}}
.offer-tc{font-size:.75rem;line-height:1.5;opacity:.85;margin:6px auto 0;max-width:760px;color:#fff;text-align:left}
.hero-ticks{list-style:none;margin:24px auto 0;padding:0;max-width:760px;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 28px;color:#fff;font-size:1rem;font-weight:500}
.hero-ticks li{position:relative;padding-left:26px}
.hero-ticks li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--secondary-color);font-weight:700;font-size:1.1rem}

/* hero: text left, Compare the rates right */
.hero{height:auto;min-height:100vh;padding:130px 0 70px}
.hero-content{text-align:left}
.hero-split{display:grid;grid-template-columns:1fr;gap:40px;align-items:center}
@media (min-width:960px){.hero-split{grid-template-columns:1.1fr .9fr;gap:56px}}
.hero-right{align-self:start;padding-top:12px}
.hero-left .hero-title{margin-bottom:16px;line-height:1.15;font-size:clamp(34px,4.4vw,58px)}
.hero-left .hero-subtitle{margin-left:0;margin-right:0;margin-bottom:10px;max-width:none}
.hero-left .offers{margin-left:0;margin-right:0}
.hero-left .offer-tc{margin-left:0}
.hero-left .hero-ticks{justify-content:flex-start;margin-left:0}
/* Compare the rates form: no card, white text */
.rate-form{background:none;color:#fff;font-family:var(--font-secondary)}
.rf-head{display:flex;justify-content:space-between;align-items:baseline;gap:10px}
.rf-head h2{font-family:var(--font-primary);font-weight:700;font-size:clamp(1.6rem,3vw,2rem);color:#fff;margin:0}
.rf-count{font-size:.9rem;color:#fff;margin:0;opacity:.9}
.rf-progress{height:6px;background:rgba(255,255,255,.28);border-radius:9px;margin:14px 0 20px;overflow:hidden}
.rf-progress span{display:block;height:100%;width:25%;background:var(--secondary-color);border-radius:9px;transition:width .4s}
.rf-step{display:none}.rf-step.is-active{display:block}
.rate-form label{display:block;font-weight:600;font-size:.95rem;color:#fff;margin-bottom:16px}
.rate-form label small{font-weight:400;opacity:.85}
.rate-form input:not([type=radio]):not(.hp),.rate-form select{display:block;width:100%;margin-top:6px;padding:13px 14px;background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.6);border-radius:var(--border-radius);color:#fff;font-family:var(--font-secondary);font-size:1rem}
.rate-form input::placeholder{color:rgba(255,255,255,.7)}
.rate-form input:focus,.rate-form select:focus{outline:none;border-color:var(--secondary-color);background:rgba(255,255,255,.16)}
.rate-form select option{color:var(--primary-color);background:#fff}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}
.rate-form .money{position:relative;display:block}
.rate-form .money b{position:absolute;left:14px;top:calc(50% + 3px);transform:translateY(-50%);color:#fff;font-weight:700}
.rate-form .money input:not([type=radio]):not(.hp){padding-left:32px}
.rate-form .money .suffix+input,.rate-form .money input.has-suffix{padding-right:32px}
.rate-form .money .suffix{left:auto;right:14px}
.lvr{background:rgba(255,255,255,.14);border-left:4px solid var(--secondary-color);border-radius:var(--border-radius);padding:10px 14px;font-size:.9rem;font-weight:600;margin:-4px 0 16px;color:#fff}
.rate-form .seg{border:0;margin:0 0 6px;padding:0;display:grid;gap:10px}
.rate-form .seg legend{font-weight:600;font-size:.95rem;color:#fff;padding:0;margin-bottom:10px}
.rate-form .opt{display:block;position:relative;margin:0;cursor:pointer;font-weight:400}
.rate-form .opt input{position:absolute;opacity:0;width:1px;height:1px}
.rate-form .opt>span{display:flex;flex-direction:column;gap:2px;border:1.5px solid rgba(255,255,255,.6);border-radius:var(--border-radius);padding:12px 14px 12px 44px;position:relative;transition:var(--transition);background:rgba(255,255,255,.08)}
.rate-form .opt>span::before{content:"";position:absolute;left:14px;top:50%;width:18px;height:18px;margin-top:-9px;border-radius:50%;border:2px solid #fff;background:transparent}
.rate-form .opt b{font-weight:700;color:#fff}.opt small{font-size:.82rem;opacity:.9}
.rate-form .opt:hover>span{border-color:var(--secondary-color)}
.rate-form .opt input:checked+span{border-color:var(--secondary-color);background:rgba(239,74,56,.22)}
.rate-form .opt input:checked+span::before{border-color:var(--secondary-color);background:radial-gradient(var(--secondary-color) 45%,transparent 50%)}
.rate-form .opt input:focus-visible+span{outline:3px solid var(--secondary-color);outline-offset:2px}
.rf-nav{margin-top:6px}.rf-nav.two{display:grid;grid-template-columns:1fr 1.6fr;gap:10px}
.rate-form .btn{padding:14px 20px;width:100%}
.rate-form .btn-ghost{background:transparent;border:2px solid #fff;color:#fff}
.rate-form .btn-ghost:hover{background:rgba(255,255,255,.15)}
.rf-fine{font-size:.78rem;color:#fff;opacity:.85;margin:12px 0 0}
.rf-done{padding:10px 0}.rf-done h3{font-family:var(--font-primary);color:#fff;font-size:1.6rem;margin:0 0 8px}.rf-done p{color:#fff;margin:0}.rf-done a{color:#fff;text-decoration:underline}
.form-msg{margin:12px 0 0;font-weight:600;min-height:1.4em;color:#fff}
.form-msg.err{color:#fff;background:rgba(239,74,56,.55);border-radius:var(--border-radius);padding:8px 12px}
.form-msg:empty{padding:0;background:none}
.cx-lead{max-width:820px;margin:0 auto 40px;text-align:center;color:var(--text-light);font-size:1.05rem}
/* first home buyer schemes */
.schemes{display:grid;gap:22px;grid-template-columns:1fr}
@media (min-width:760px){.schemes{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1050px){.schemes{grid-template-columns:repeat(3,1fr)}}
.scheme{display:flex;flex-direction:column;background:#fff;border-radius:var(--border-radius-lg);padding:28px 26px;box-shadow:0 4px 18px rgba(47,63,78,.08);border-top:4px solid var(--secondary-color);transition:var(--transition)}
.scheme:hover{transform:translateY(-5px);box-shadow:0 12px 28px rgba(47,63,78,.15)}
.scheme-kind{font-size:.76rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--secondary-color);margin:0 0 6px}
.scheme h3{font-family:var(--font-primary);color:var(--primary-color);font-size:1.25rem;margin:0 0 8px}
.scheme-big{font-family:var(--font-primary);font-weight:700;font-size:1.35rem;line-height:1.2;color:var(--primary-color);margin:0 0 10px}
.scheme-sum{color:var(--text-light);font-size:.97rem;margin:0 0 14px}
.scheme-list{list-style:none;margin:auto 0 0;padding:14px 0 0;border-top:1px solid #e5e9ee;display:grid;gap:10px;font-size:.9rem;color:var(--text-color)}
.scheme-list li{position:relative;padding-left:24px}
.scheme-list li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--secondary-color);font-weight:700}
.fhb-cta{margin-top:30px;background:var(--primary-color);color:#fff;border-radius:var(--border-radius-lg);padding:28px 30px;display:grid;gap:18px;align-items:center}
.fhb-cta h3{color:#fff;margin:0 0 6px;font-family:var(--font-primary)}.fhb-cta p{margin:0;opacity:.9}
@media (min-width:860px){.fhb-cta{grid-template-columns:1fr auto}}
.fineprint{margin:22px 0 0;font-size:.8rem;color:var(--text-light)}
/* repayment calculator */
.calc{display:grid;gap:22px;grid-template-columns:1fr;max-width:1080px;margin:0 auto}
@media (min-width:880px){.calc{grid-template-columns:1.05fr .95fr;align-items:stretch}}
.calc-in{background:var(--light-bg);border:1px solid #e1e6ec;border-radius:var(--border-radius-lg);padding:28px 26px}
.calc-in label{display:block;font-weight:600;font-size:.92rem;color:var(--primary-color);margin-bottom:16px}
.calc-in input[type=text],.calc-in input:not([type]){width:100%;margin-top:6px;padding:12px 14px;border:1.5px solid #cfd6de;border-radius:var(--border-radius);font:inherit;font-size:1rem;background:#fff}
.calc-in input:focus{outline:none;border-color:var(--secondary-color)}
.money{position:relative;display:block}
.money b{position:absolute;left:14px;top:55%;transform:translateY(-50%);color:#777;font-weight:700}
.money input{padding-left:30px!important}
.money .suffix{left:auto;right:14px}
.two-col{display:grid;gap:0 16px;grid-template-columns:1fr}
@media (min-width:520px){.two-col{grid-template-columns:1fr 1fr}}
.term-out{float:right;font-weight:700;color:var(--secondary-color)}
.range{width:100%;margin-top:14px;height:6px;accent-color:var(--secondary-color);cursor:pointer}
.seg{border:0;margin:0 0 16px;padding:0;display:grid;gap:10px}
.seg legend{font-weight:600;font-size:.92rem;color:var(--primary-color);padding:0;margin-bottom:10px}
.seg-row{grid-template-columns:1fr 1fr}.seg-3{grid-template-columns:repeat(3,1fr)}
.opt{display:block;position:relative;margin:0!important;cursor:pointer}
.opt input{position:absolute;opacity:0;width:1px;height:1px}
.opt>span{display:flex;border:1.5px solid #cfd6de;background:#fff;border-radius:var(--border-radius);padding:11px 10px 11px 38px;position:relative;transition:var(--transition);font-size:.92rem}
.opt>span::before{content:"";position:absolute;left:12px;top:50%;width:16px;height:16px;margin-top:-8px;border-radius:50%;border:2px solid #b8c1cb;background:#fff}
.opt:hover>span{border-color:var(--secondary-color)}
.opt input:checked+span{border-color:var(--secondary-color);background:rgba(239,74,56,.06)}
.opt input:checked+span::before{border-color:var(--secondary-color);background:radial-gradient(var(--secondary-color) 45%,#fff 50%)}
.opt input:focus-visible+span{outline:3px solid var(--secondary-color);outline-offset:2px}
@media (max-width:420px){.seg-3 .opt>span{padding:11px 6px 11px 28px;font-size:.82rem}.seg-3 .opt>span::before{left:7px;width:13px;height:13px;margin-top:-6px}}
.calc-out{background:var(--primary-color);color:#fff;border-radius:var(--border-radius-lg);padding:28px 26px;display:flex;flex-direction:column}
.calc-label{font-size:.78rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#ff8a7c;margin:0}
.calc-label-sm{margin:14px 0 4px}
.calc-big{font-family:var(--font-primary);font-weight:700;font-size:clamp(2.3rem,7vw,3.2rem);line-height:1.05;margin:6px 0 12px}
.calc-note{font-size:.92rem;opacity:.9;margin:0 0 16px}
.split{display:flex;height:12px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.15);margin:2px 0 8px}
.split span{display:block;height:100%;transition:width .4s}
.split span:first-child{background:#fff}.split span:last-child{background:var(--secondary-color)}
.split-key{display:flex;gap:18px;flex-wrap:wrap;font-size:.88rem;margin-bottom:14px}
.split-key span{display:inline-flex;align-items:center;gap:7px}
.split-key i{width:10px;height:10px;border-radius:50%;display:inline-block}
.k-p{background:#fff}.k-i{background:var(--secondary-color)}
.chart{margin:0 0 14px}.chart svg{display:block;width:100%;height:150px}
.chart figcaption{font-size:.76rem;opacity:.7;margin-top:2px}
.ch-line{fill:none;stroke:var(--secondary-color);stroke-width:3;stroke-linejoin:round}
.ch-area{fill:rgba(239,74,56,.28)}.ch-ax{stroke:rgba(255,255,255,.4)}.ch-grid{stroke:rgba(255,255,255,.14);stroke-dasharray:4 5}.ch-dot{fill:#fff}
.ch-t{fill:rgba(255,255,255,.75);font:600 12px var(--font-primary)}
.calc-rows{margin:0 0 20px;border-top:1px solid rgba(255,255,255,.18)}
.calc-rows>div{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.18)}
.calc-rows dt{opacity:.85}.calc-rows dd{margin:0;font-weight:700;text-align:right}
.calc-rows dd small{font-weight:500;opacity:.7;margin-left:4px}
.calc-out .btn{margin-top:auto}
.btn-block{display:block;width:100%}
.btn-light{background:#fff;color:var(--primary-color)}.btn-light:hover{background:#f0f2f5}
.calc-fine{grid-column:1/-1;margin:0;font-size:.8rem;color:var(--text-light)}
[hidden]{display:none!important}
/* footer contact buttons, enquiry drawer, areas */
.foot-btn{display:inline-flex;align-items:center;gap:10px;padding:10px 22px;font-size:14px;cursor:pointer}
.footer-column li .foot-btn{opacity:1}
.footer-column a.foot-btn:hover{color:#fff;background:#d13a2a}
.areas-grid{display:grid;gap:18px;grid-template-columns:1fr}
@media (min-width:600px){.areas-grid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:900px){.areas-grid{grid-template-columns:repeat(3,1fr)}}
@media (min-width:1150px){.areas-grid{grid-template-columns:repeat(4,1fr)}}
.area-card{background:#fff;border-radius:var(--border-radius-lg);padding:20px 22px;box-shadow:0 4px 18px rgba(47,63,78,.08);border-top:3px solid var(--secondary-color)}
.area-card h3{font-family:var(--font-primary);color:var(--primary-color);font-size:1.05rem;margin:0 0 10px}
.area-card ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.area-card li{background:var(--light-bg);color:var(--text-color);font-size:.88rem;padding:4px 11px;border-radius:99px}
.areas-wide{text-align:center;margin:34px auto 0;max-width:760px;color:var(--text-light)}
.areas-wide strong{color:var(--primary-color);font-family:var(--font-primary);font-size:1.15rem}
.enq-overlay{position:fixed;inset:0;background:rgba(20,30,40,.6);z-index:1999}
.enq-drawer{position:fixed;top:0;right:0;height:100%;width:min(420px,100%);background:#fff;z-index:2000;padding:34px 28px;overflow-y:auto;transform:translateX(105%);transition:transform .35s ease;box-shadow:-10px 0 40px rgba(0,0,0,.25)}
.enq-drawer.open{transform:none}
.enq-close{position:absolute;top:10px;right:16px;background:none;border:0;font-size:34px;line-height:1;color:var(--primary-color);cursor:pointer}
.enq-drawer h3{font-family:var(--font-primary);color:var(--primary-color);font-size:1.6rem;margin:0 0 6px}
.enq-sub{color:var(--text-light);margin:0 0 20px;font-size:.95rem}
.enq-drawer label{display:block;font-weight:600;font-size:.92rem;color:var(--primary-color);margin-bottom:14px}
.enq-drawer label small{font-weight:400;color:#777}
.enq-drawer input:not(.hp),.enq-drawer select,.enq-drawer textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;border:2px solid #e0e0e0;border-radius:var(--border-radius);font-family:var(--font-secondary);font-size:1rem;color:var(--text-color);background:#fff}
.enq-drawer input:focus,.enq-drawer select:focus,.enq-drawer textarea:focus{outline:none;border-color:var(--secondary-color)}
.enq-drawer .hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.enq-msg{margin:12px 0 0;font-weight:600;color:var(--primary-color);min-height:1.2em}
.enq-msg.err{color:#e74c3c}
.enq-done h3{margin-top:10px}
.cf-msg{margin:14px 0 0;font-weight:600;color:var(--primary-color)}
.cf-msg.err{color:#e74c3c}
/* blog articles */
.article-content h2{font-family:var(--font-primary);color:var(--primary-color);margin:34px 0 14px;font-size:1.7rem}
.article-content ol{margin-left:22px;margin-bottom:20px}
.article-content a{color:var(--secondary-color)}
.article-content li.chk{list-style:none;margin-left:-4px}
.article-content li.chk .box{display:inline-grid;place-items:center;width:1.05em;height:1.05em;margin-right:.55em;border:2px solid var(--secondary-color);border-radius:4px;vertical-align:-.12em;font-size:.8em;font-weight:800;color:#fff}
.article-content li.chk.on .box{background:var(--secondary-color)}
.article-content table{display:block;overflow-x:auto;border-collapse:collapse;width:100%;font-size:.95rem;margin-bottom:24px}
.article-content th,.article-content td{border:1px solid #d9dee4;padding:8px 10px;text-align:left}
.article-content th{background:var(--light-bg);color:var(--primary-color)}

/* Lender logos always in full colour */
.logo-item img,.logo-item img:hover{filter:none !important;opacity:1 !important}

/* Keep every screen size free of sideways scrolling */
html,body{overflow-x:hidden;max-width:100%}
.calc-in,.calc-out,.calc-fine{min-width:0;max-width:100%}
img,video,iframe{max-width:100%}