*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 system-ui,-apple-system,Segoe UI,sans-serif;color:#14263d;background:#f7f9fc}a{color:inherit}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #2bbfa9;outline-offset:3px}.wrap{max-width:1160px;margin:auto;padding:0 22px}.top{background:#071b33;color:white}.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:17px 0;flex-wrap:wrap}.brand{font-size:24px;font-weight:850;letter-spacing:-.7px;text-decoration:none}.brand b{color:#42d5bc}.links{display:flex;gap:17px;flex-wrap:wrap;align-items:center}.links a{text-decoration:none;font-size:14px}.btn{display:inline-block;border-radius:9px;padding:12px 18px;background:#007e75;color:white;text-decoration:none;font-weight:700;border:0;cursor:pointer}.btn.alt{background:white;color:#08223d}.btn.outline{background:transparent;border:1px solid #a9bdca;color:#09223f}.hero{background:linear-gradient(125deg,#071b33,#143e62);color:white;padding:75px 0}.hero .inner{max-width:780px}.eyebrow{text-transform:uppercase;letter-spacing:2px;color:#73e4d1;font-size:13px;font-weight:800}h1{font-size:clamp(34px,5vw,60px);line-height:1.12;margin:15px 0}h2{font-size:clamp(26px,3vw,38px);line-height:1.2}h3{font-size:21px;margin:0 0 7px}p{margin:0 0 16px}.hero p{font-size:19px;color:#dceaf4}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.section{padding:65px 0}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.card{background:white;border:1px solid #dce5ed;border-radius:15px;padding:25px;box-shadow:0 4px 16px #1232 0}.card p{color:#52657b}.card a{color:#007e75;font-weight:750}.muted{color:#50627b}.band{background:#e8f4f2}.steps{counter-reset:step}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;background:#d9f4ee;color:#005e58;width:36px;height:36px;border-radius:50%;font-weight:900;margin-bottom:14px}.footer{background:#071b33;color:#dce8f1;padding:40px 0;font-size:14px}.footer a{color:#a4eadd}.notice{padding:16px 20px;border-left:4px solid #0c8278;background:#eef8f6;margin:20px 0}.subhero{padding:55px 0;background:#0b2a47;color:white}.subhero h1{font-size:clamp(32px,4vw,48px)}.subhero p{color:#dce8f1}.faq details{padding:18px 0;border-bottom:1px solid #d9e3eb}.faq summary{font-weight:700;cursor:pointer}.field{display:grid;gap:5px;margin-bottom:14px}input,select,textarea{padding:12px;border:1px solid #afbdcb;border-radius:8px;font:inherit;width:100%}.small{font-size:13px}.sticky{display:none}@media(max-width:800px){.grid{grid-template-columns:1fr}.links{gap:10px}.links a{font-size:13px}.hero{padding:50px 0}.section{padding:42px 0}.sticky{display:block;position:fixed;bottom:0;left:0;right:0;background:#071b33;padding:10px;text-align:center;z-index:9}.footer{padding-bottom:95px}}
/* ABW Finance direct contact controls */
.contact-quick { display:flex; flex-wrap:wrap; gap:12px; align-items:center; font-size:0.88rem; }
.contact-quick a { color:#fff; text-decoration:none; font-weight:700; white-space:nowrap; }
.contact-quick a:hover { text-decoration:underline; }
.sticky { display:flex; gap:8px; }
@media(max-width:850px) {
 .contact-quick { width:100%; justify-content:center; padding:8px 0; }
 .sticky .btn { flex:1; text-align:center; font-size:0.82rem; padding:10px 8px; }
}

.form-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:32px;align-items:start}.form-panel{padding:26px;border:1px solid #d8e4ed;border-radius:18px;background:#fff;box-shadow:0 12px 28px rgba(0,30,60,.08)}.form-panel form{display:grid;gap:16px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.form-panel label{display:grid;gap:7px;font-weight:600;color:#18314b}.form-panel input:not([type=checkbox]),.form-panel select{width:100%;box-sizing:border-box;border:1px solid #a7b6c4;border-radius:9px;padding:13px;font:inherit;background:#fff;color:#142b40}.form-panel input:focus,.form-panel select:focus{outline:2px solid #2b9ba4;outline-offset:1px}.form-panel .consent{display:flex;gap:10px;font-weight:400;font-size:.92rem;line-height:1.5}.consent input{margin-top:4px;align-self:start}.trap{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}.form-message{padding:14px;border-radius:8px;margin-bottom:12px}.form-message.success{background:#e7f6ec;color:#13592d}.form-message.error{background:#fff0ed;color:#9b2828}@media(max-width:760px){.form-layout,.form-row{grid-template-columns:1fr}.form-panel{padding:18px}}

/* ABW design refresh */
body{font-size:16px;line-height:1.65}.nav{gap:20px}.links{gap:13px}.links a{font-size:13px}.contact-quick{margin-left:auto}.header-cta{white-space:nowrap;padding:10px 15px}.footer-grid{display:grid;grid-template-columns:1fr 1fr 1.6fr;gap:30px}.footer-grid p{font-size:14px;line-height:1.7}.footer-grid a{color:#8ce4d5}.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);gap:42px;align-items:center;min-height:450px}.hero h1{font-size:clamp(38px,5vw,66px);line-height:1.1;max-width:720px}.hero p{font-size:18px;max-width:640px}.hero .small{font-size:13px}.hero-art{min-height:320px;border-radius:24px;background:linear-gradient(140deg,#123f55,#007e75);position:relative;overflow:hidden;display:flex;align-items:center;justify-content:center}.art-circle{position:absolute;border:1px solid #ffffff55;width:360px;height:360px;border-radius:50%;right:-80px;top:-70px;box-shadow:0 0 0 45px #ffffff0d,0 0 0 90px #ffffff0a}.art-card{background:#f7fbff;color:#102d43;padding:30px;border-radius:20px;width:74%;position:relative;box-shadow:0 20px 50px #001b2b44}.art-card span{display:block;font-size:13px}.art-card strong{display:block;font-size:24px}.art-bars{display:flex;align-items:end;height:90px;gap:12px;margin-top:12px}.art-bars i{flex:1;background:#1bbca8;border-radius:6px 6px 0 0;height:35%}.art-bars i:nth-child(2){height:53%}.art-bars i:nth-child(3){height:47%}.art-bars i:nth-child(4){height:78%}.art-bars i:nth-child(5){height:100%}.closing-cta{margin-top:46px;background:#e6f4f1;padding:30px;border-radius:16px}.card{transition:transform .2s ease,box-shadow .2s ease}.card:hover{transform:translateY(-3px);box-shadow:0 10px 28px #123a5515}.form-panel{max-width:100%}.consent{align-items:flex-start!important}.consent input{flex:none;margin-top:5px}.top{position:relative;z-index:5}@media(max-width:850px){.hero-grid{grid-template-columns:1fr;padding-top:32px;padding-bottom:32px}.hero-art{min-height:230px}.footer-grid{grid-template-columns:1fr}.nav{justify-content:center}.contact-quick{margin-left:0}}

/* ABW verified design update */
:root{--navy:#071e38;--gold:#f6b729;--teal:#21c5bc}
body{background:#fff;color:#0b2544} .top{background:#061c34}.nav{display:flex;align-items:center;gap:22px;min-height:82px}.brand{white-space:nowrap}.links{display:flex;gap:15px;flex-wrap:wrap;margin-left:auto}.links a{font-size:13px}.header-cta{white-space:nowrap;background:var(--gold)!important;color:#081d36!important;padding:12px 17px!important}.hero{background:linear-gradient(110deg,#061e39,#123d65);color:#fff;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1fr 48%;align-items:stretch;min-height:430px;gap:30px}.hero-copy{padding:60px 0}.hero h1{font-size:clamp(38px,4.5vw,62px);line-height:1.09;letter-spacing:-.04em}.hero h1 em{color:var(--gold);font-style:normal}.hero p{max-width:560px}.hero-photo{width:100%;height:100%;min-height:430px;object-fit:cover;object-position:center}.btn.gold{background:var(--gold);color:#061c34}.btn.outline{background:transparent;color:#fff;border:1px solid #ffffff8a}.product-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;margin-top:26px}.product-card{display:block;overflow:hidden;border-radius:13px;border:1px solid #e2e9ef;background:#fff;text-decoration:none;color:inherit;box-shadow:0 5px 18px #071e3810;transition:transform .15s,box-shadow .15s}.product-card:hover{transform:translateY(-3px);box-shadow:0 10px 26px #071e3820}.product-card img{width:100%;height:148px;object-fit:cover;display:block}.product-body{padding:18px}.product-body h3{margin:0 0 8px;font-size:18px}.product-body p{font-size:14px;color:#4e6176;min-height:45px}.product-body span{font-size:14px;color:#006a80;font-weight:700}.section{padding-top:62px;padding-bottom:62px}.lead{max-width:800px;color:#53677d}.eyebrow{color:#13b4aa;font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:12px}.step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.step-grid article{background:#fff;border:1px solid #e3eaf1;border-radius:14px;padding:24px}.step-num{font-size:25px;color:#0c9c99;font-weight:800}.faq-wrap{display:grid;grid-template-columns:1fr 1.2fr;gap:40px}.cta-band{background:#092641;color:#fff;padding:40px 0}.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:25px}.cta-inner h2{color:#fff}.footer-grid{display:grid;grid-template-columns:1fr 1fr 1.6fr;gap:30px}.subhero-photo{background-image:linear-gradient(90deg,#061c34e8,#061c34a8),var(--page-photo);background-size:cover;background-position:center}.subhero-photo h1,.subhero-photo p{color:#fff}.form-layout{grid-template-columns:minmax(0,1fr) minmax(0,1.3fr)}.form-panel{min-width:0}.wrap{max-width:1200px;margin:0 auto;padding-left:22px;padding-right:22px}
@media(max-width:1000px){.product-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.links{gap:10px}.links a{font-size:12px}}
@media(max-width:760px){.nav{flex-wrap:wrap;padding-top:14px;padding-bottom:14px}.links{order:3;width:100%;overflow-x:auto;flex-wrap:nowrap;white-space:nowrap}.hero-grid{grid-template-columns:1fr;gap:0}.hero-copy{padding:42px 0}.hero-photo{min-height:200px;max-height:240px}.product-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.step-grid,.faq-wrap,.footer-grid{grid-template-columns:1fr}.cta-inner{align-items:flex-start;flex-direction:column}.form-layout{grid-template-columns:1fr}}
@media(max-width:460px){.product-grid{grid-template-columns:1fr}.product-card img{height:190px}.header-cta{margin-left:auto}.hero h1{font-size:38px}}


/* ABW Finance responsive homepage fix - 31 October 2026 */
/* Hero image is a background so copy remains above it, with sufficient contrast. */
.hero{background-image:linear-gradient(90deg,rgba(5,24,45,.96) 0%,rgba(6,30,56,.91) 42%,rgba(7,31,56,.62) 73%,rgba(7,31,56,.43) 100%),url("images/melbourne.jpg");background-size:cover;background-position:center center;background-repeat:no-repeat;min-height:510px;display:flex;align-items:center;padding:0;color:#fff}
.hero-grid{display:block;min-height:0;width:100%;}
.hero-copy{padding:88px 0;max-width:780px;position:relative;z-index:1}
.hero h1{max-width:760px;line-height:1.12;text-wrap:balance}
.hero p{max-width:690px;color:#f1f7fb}
.hero .small{color:#e4eef5}
.hero .btn.outline{color:#fff;border-color:rgba(255,255,255,.85);background:rgba(5,24,45,.28)}
.hero .btn.outline:hover{background:rgba(255,255,255,.17)}
/* Exactly three product cards across on desktop, two on tablets, one on phones. */
.product-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;align-items:stretch}
.product-card{display:flex;flex-direction:column;min-width:0;height:100%;overflow:hidden}
.product-card img{display:block;width:100%;height:205px;object-fit:cover;object-position:center}
.product-body{display:flex;flex-direction:column;flex:1;padding:20px 22px}
.product-body h3{font-size:20px;line-height:1.35}
.product-body p{flex:1;min-height:0}
.product-body span{margin-top:auto}
/* Responsive navigation and layout across desktop, laptops, iPads, tablets and phones. */
.nav{padding:15px 0;min-height:74px;flex-wrap:wrap}
.links{margin-left:auto;min-width:0}
.wrap{width:100%;max-width:1200px;margin-inline:auto;padding-inline:24px}
img{max-width:100%}
@media (max-width:1050px){
 .product-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
 .links{order:3;width:100%;justify-content:center;margin:0;gap:16px;flex-wrap:wrap}
 .header-cta{margin-left:auto}
 .hero{min-height:450px;background-position:60% center}
 .hero-copy{padding:75px 0}
 .step-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:700px){
 .wrap{padding-inline:18px}
 .brand{font-size:21px}
 .nav{gap:12px}
 .links{justify-content:flex-start;overflow-x:auto;flex-wrap:nowrap;white-space:nowrap;padding:3px 0 7px;scrollbar-width:thin}
 .links a{font-size:13px}
 .header-cta{padding:10px 13px!important;font-size:13px}
 .hero{min-height:0;background-image:linear-gradient(90deg,rgba(5,24,45,.92),rgba(5,24,45,.72)),url("images/melbourne.jpg");background-position:60% center}
 .hero-copy{padding:68px 0 74px}
 .hero h1{font-size:clamp(33px,8.5vw,49px)}
 .hero p{font-size:16px}
 .product-grid{grid-template-columns:1fr;gap:18px}
 .product-card img{height:210px}
 .step-grid,.faq-wrap,.footer-grid,.form-layout,.form-row{grid-template-columns:1fr}
 .section{padding-block:42px}
 .cta-inner{flex-direction:column;align-items:flex-start}
}
@media (max-width:390px){
 .brand{font-size:19px}
 .header-cta{font-size:12px;padding:9px 10px!important}
 .product-card img{height:180px}
 .hero-copy{padding-block:55px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.product-card{transition:none}}


/* ABW Finance unified navigation, calculator CTA and responsive fixes */
.abw-site-nav{display:flex;align-items:center;gap:22px;flex-wrap:nowrap;min-height:76px}
.abw-main-links{display:flex;align-items:center;gap:20px;flex:1;justify-content:flex-end;min-width:0;margin-left:auto}
.abw-main-links a,.finance-dropdown summary{color:#fff;text-decoration:none;font-size:14px;cursor:pointer;white-space:nowrap}
.abw-main-links a:hover,.finance-dropdown summary:hover{color:#46d9cc}
.finance-dropdown{position:relative;flex-shrink:0}
.finance-dropdown summary{list-style:none;display:flex;align-items:center;gap:7px;padding:9px 0}
.finance-dropdown summary::-webkit-details-marker{display:none}
.finance-dropdown summary::after{content:'⌄';font-size:18px;line-height:1}
.finance-dropdown-panel{display:none;position:absolute;top:100%;left:0;width:250px;max-height:min(65vh,490px);overflow-y:auto;background:#fff;border:1px solid #d7e2ec;box-shadow:0 14px 30px #00162a33;border-radius:12px;padding:8px;z-index:200}
.finance-dropdown[open] .finance-dropdown-panel{display:grid}
.finance-dropdown-panel a{color:#0b2746!important;padding:10px 12px;border-radius:7px;white-space:normal}
.finance-dropdown-panel a:hover{background:#e8f7f5;color:#006e69!important}
.abw-site-nav .header-cta{margin-left:0;white-space:nowrap;flex-shrink:0}
.calc-cta{margin-left:12px;background:#fff!important;color:#0a2949!important;border:1px solid #fff!important}
.hero-copy .btn+.btn{margin-left:12px}
@media(max-width:850px){.abw-site-nav{flex-wrap:wrap;gap:12px;padding-top:13px;padding-bottom:13px}.abw-main-links{order:3;flex-basis:100%;justify-content:flex-start;margin:0;gap:22px;overflow:visible;flex-wrap:wrap}.abw-site-nav .header-cta{margin-left:auto}.finance-dropdown-panel{left:0}}
@media(max-width:520px){.abw-main-links{gap:15px}.abw-main-links a,.finance-dropdown summary{font-size:13px}.finance-dropdown-panel{width:min(270px,85vw)}.calc-cta,.hero-copy .btn+.btn{margin:12px 0 0;display:inline-block}.subhero .btn{max-width:100%;white-space:normal}}

/* 2026-11-01: stable unified navigation across ALL pages */
header.top{position:relative;z-index:1000;background:#061d35}
header.top .abw-site-nav{display:flex!important;flex-direction:row!important;flex-wrap:nowrap!important;align-items:center!important;justify-content:space-between!important;gap:24px!important;min-height:74px!important;padding-top:10px!important;padding-bottom:10px!important}
header.top .abw-site-nav>.brand{display:inline-flex!important;align-items:center;flex:0 0 auto!important;white-space:nowrap}
header.top .abw-main-links{display:flex!important;flex:0 1 auto!important;flex-direction:row!important;align-items:center!important;justify-content:flex-end!important;gap:20px!important;flex-wrap:nowrap!important;width:auto!important;min-width:0!important;order:0!important;margin:0 0 0 auto!important;overflow:visible!important;padding:0!important}
header.top .abw-main-links>a,header.top .finance-dropdown>summary{display:inline-flex!important;align-items:center!important;white-space:nowrap!important;color:#fff!important;font-size:14px!important;text-decoration:none!important}
header.top .finance-dropdown{position:relative!important;display:block!important;flex:0 0 auto!important}
header.top .finance-dropdown>summary{list-style:none!important;cursor:pointer!important}
header.top .finance-dropdown>summary::-webkit-details-marker{display:none}
header.top .finance-dropdown-panel{display:none!important;position:absolute!important;top:calc(100% + 12px)!important;left:0!important;z-index:9999!important;min-width:245px!important;width:265px!important;max-height:65vh!important;overflow-y:auto!important;background:#fff!important;border:1px solid #d8e3eb!important;border-radius:12px!important;padding:8px!important;box-shadow:0 15px 35px #00142655!important;grid-template-columns:1fr!important;gap:0!important}
header.top .finance-dropdown[open]>.finance-dropdown-panel{display:grid!important}
header.top .finance-dropdown-panel>a{display:block!important;color:#0a2949!important;text-decoration:none!important;padding:10px 12px!important;font-size:14px!important;white-space:normal!important;border-radius:7px!important}
header.top .finance-dropdown-panel>a:hover{background:#e8f7f5!important;color:#006b65!important}
header.top .abw-site-nav>.header-cta{display:inline-flex!important;align-items:center!important;justify-content:center!important;flex:0 0 auto!important;margin:0!important;white-space:nowrap!important}
/* Keep hero image but reclaim vertical screen space */
body .hero{min-height:370px!important;background-position:center 55%!important}
body .hero .hero-copy{padding-top:50px!important;padding-bottom:50px!important}
body .hero h1{font-size:clamp(34px,3.5vw,55px)!important;line-height:1.13!important;margin-bottom:14px!important}
body .hero p{margin-bottom:18px!important}
@media(max-width:900px){
 header.top .abw-site-nav{flex-wrap:wrap!important;gap:10px!important}
 header.top .abw-main-links{order:3!important;flex-basis:100%!important;width:100%!important;justify-content:flex-start!important;gap:18px!important;overflow-x:auto!important;overflow-y:visible!important;padding:8px 0!important;scrollbar-width:thin}
 header.top .finance-dropdown-panel{position:fixed!important;left:16px!important;top:125px!important;max-width:calc(100vw - 32px)!important}
 body .hero{min-height:320px!important}
 body .hero .hero-copy{padding:45px 0!important}
}
@media(max-width:520px){
 header.top .abw-site-nav{gap:8px!important}
 header.top .abw-main-links{gap:17px!important}
 header.top .abw-main-links>a,header.top .finance-dropdown>summary{font-size:13px!important}
 body .hero{min-height:280px!important}
 body .hero .hero-copy{padding:34px 0!important}
 body .hero h1{font-size:clamp(30px,8vw,40px)!important}
}

/* Footer now uses two columns */
.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px}
@media(max-width:650px){.footer-grid{grid-template-columns:1fr}}