/*
Theme Name: First Home Buyer Loans
Theme URI: https://firsthomebuyerloans.com/
Author: Mortgage Planners
Author URI: https://www.mortgageplanners.au/
Description: Custom landing page theme for First Home Buyer Loans by Mortgage Planners.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.6
Text Domain: firsthomebuyerloans
*/

:root{
  --navy:#102b4e;
  --blue:#1d74a8;
  --aqua:#4db5d9;
  --gold:#c98926;
  --gold-2:#f2bd54;
  --ink:#142033;
  --muted:#647389;
  --line:#dfeaf3;
  --paper:#ffffff;
  --mist:#f5fbff;
  --ice:#edf8ff;
  --green:#17845a;
  --radius:14px;
  --shadow:0 24px 70px -42px rgba(16,43,78,.45);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3{font-family:Inter,Arial,sans-serif;color:var(--navy);line-height:1.04;margin:0;font-weight:900;letter-spacing:0}
p{margin:0}
.wrap{max-width:1280px;margin:0 auto;padding:0 28px}
.eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.18em;font-weight:900;color:var(--gold)}

.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.88);backdrop-filter:blur(18px);border-bottom:1px solid rgba(223,234,243,.9)}
.top-strip{background:linear-gradient(90deg,var(--navy),#17527e 52%,var(--blue));color:#fff}
.top-strip-inner{min-height:42px;display:flex;align-items:center;justify-content:space-between;gap:18px;font-size:.86rem;font-weight:900}
.top-sites{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.top-sites a:first-child{color:#fff;letter-spacing:.04em}
.top-sites .mp-site{color:#ddf3ff;border-left:1px solid rgba(255,255,255,.28);padding-left:12px}
.top-phones{display:flex;gap:10px;flex-wrap:wrap}
.top-phones a,.phone-link{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;font-weight:900;white-space:nowrap}
.top-phones a{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.28);padding:6px 13px;color:#fff}
.top-phones a:hover{background:var(--gold);border-color:var(--gold)}
.nav{height:96px;display:flex;align-items:center;justify-content:space-between;gap:34px}
.brand{flex:0 0 auto}
.brand img{width:292px;filter:drop-shadow(0 14px 20px rgba(16,43,78,.08))}
.nav-links{display:flex;align-items:center;justify-content:flex-end;gap:18px;color:var(--muted);font-size:.91rem;font-weight:800;flex:1;min-width:720px}
.nav-links a:hover{color:var(--blue)}
.phone-link{background:var(--mist);border:1px solid var(--line);color:var(--navy);padding:9px 13px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:13px 20px;font-weight:900;font-size:.93rem;line-height:1.15;text-align:center;cursor:pointer;transition:.18s ease;font-family:Inter,Arial,sans-serif}
.nav-links .btn{min-width:174px;white-space:normal}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#fff;box-shadow:0 18px 35px -22px rgba(201,137,38,.9)}
.btn-primary:hover,.btn-dark:hover{transform:translateY(-2px)}
.btn-dark{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;box-shadow:0 18px 35px -24px rgba(16,43,78,.75)}
.btn-soft{background:#fff;color:var(--navy);border:1px solid var(--line);box-shadow:0 16px 32px -30px rgba(16,43,78,.45)}

.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 15% 8%,rgba(242,189,84,.28),transparent 24%),radial-gradient(circle at 88% 18%,rgba(77,181,217,.25),transparent 28%),linear-gradient(180deg,#fff 0%,#f4fbff 58%,#fff 100%)}
.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(16,43,78,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(16,43,78,.045) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(180deg,#000,transparent 82%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1fr .9fr;gap:56px;align-items:center;min-height:720px;padding:66px 0 34px}
.hero h1{font-size:clamp(3rem,5.4vw,5.7rem);max-width:850px}
.hero .lead{font-size:1.16rem;color:var(--muted);max-width:650px;margin:24px 0 24px}
.hero-graphic{position:relative;max-width:680px;margin:0 0 24px;background:rgba(255,255,255,.78);border:1px solid rgba(223,234,243,.9);border-radius:22px;box-shadow:var(--shadow);overflow:hidden;backdrop-filter:blur(16px)}
.hero-graphic:before{content:"";position:absolute;inset:0;background:linear-gradient(115deg,rgba(242,189,84,.16),transparent 34%,rgba(77,181,217,.14));pointer-events:none}
.graphic-head{position:relative;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:16px 20px;border-bottom:1px solid var(--line);font-weight:900;color:var(--navy)}
.graphic-head strong{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#fff;border-radius:999px;padding:6px 12px;font-size:.76rem;text-transform:uppercase;letter-spacing:.08em;white-space:nowrap}
.launch-map{position:relative;display:grid;grid-template-columns:repeat(4,1fr);padding:22px 18px}
.launch-map:before{content:"";position:absolute;left:11%;right:11%;top:46px;height:4px;background:linear-gradient(90deg,var(--gold),var(--aqua),var(--navy));border-radius:999px}
.launch-step{position:relative;text-align:center;z-index:1}
.launch-step span{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;margin:0 auto 10px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border:5px solid #fff;box-shadow:0 0 0 2px rgba(201,137,38,.48),0 18px 32px -24px rgba(16,43,78,.8);font-weight:900}
.launch-step b{display:block;color:var(--navy);font-size:.9rem}
.launch-step small{display:block;color:var(--muted);font-size:.78rem;line-height:1.25}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:22px}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;max-width:700px}
.trust div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px 15px;font-weight:900;color:var(--navy);box-shadow:0 18px 40px -36px rgba(16,43,78,.5)}
.hero-media{position:relative}
.hero-form-card{position:relative;background:rgba(255,255,255,.94);border:1px solid rgba(223,234,243,.96);border-radius:28px;padding:22px;box-shadow:0 34px 85px -48px rgba(16,43,78,.68);backdrop-filter:blur(16px)}
.hero-form-card:before{content:"";position:absolute;inset:-1px;border-radius:28px;background:linear-gradient(135deg,rgba(242,189,84,.55),rgba(77,181,217,.45));z-index:-1}
.hero-form-top{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:16px}
.hero-form-top span{display:block;color:var(--gold);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:900;margin-bottom:4px}
.hero-form-top h2{font-size:2rem}
.hero-form-top strong{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:999px;padding:8px 12px;font-size:.8rem;white-space:nowrap}
.hero-lead-form{padding:0;border:0;border-radius:0;box-shadow:none;background:transparent}
.hero-lead-form textarea{min-height:82px}
.hero-lead-form .btn{width:100%}
.hero-form-proof{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}
.hero-form-proof div{background:linear-gradient(180deg,#fff,var(--mist));border:1px solid var(--line);border-radius:16px;padding:12px;text-align:center}
.hero-form-proof b{display:block;color:var(--navy);font-size:1.05rem;line-height:1.1}
.hero-form-proof span{display:block;color:var(--muted);font-size:.75rem;font-weight:800;line-height:1.2;margin-top:3px}
.hero-visual{position:relative;min-height:565px}
.hero-photo{position:absolute;inset:42px 16px auto 38px;width:86%;aspect-ratio:4/5;object-fit:cover;border:10px solid #fff;border-radius:34px;box-shadow:0 32px 80px -42px rgba(16,43,78,.65)}
.hero-visual:before{content:"";position:absolute;right:0;top:0;width:78%;aspect-ratio:1;border-radius:50%;background:linear-gradient(135deg,rgba(77,181,217,.18),rgba(242,189,84,.18));filter:blur(.1px)}
.hero-visual:after{content:"";position:absolute;left:0;bottom:24px;width:72%;height:32%;border-radius:34px;background:#fff;box-shadow:0 24px 55px -42px rgba(16,43,78,.5)}
.orbit-card,.approval-card{position:absolute;background:rgba(255,255,255,.9);border:1px solid rgba(223,234,243,.95);box-shadow:0 22px 55px -36px rgba(16,43,78,.65);backdrop-filter:blur(14px);z-index:2}
.orbit-card{border-radius:20px;padding:18px;min-width:180px}
.orbit-card span,.approval-card span{display:block;color:var(--muted);font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;font-weight:900}
.orbit-card strong{display:block;color:var(--navy);font-size:2.1rem;line-height:1;margin:7px 0;font-weight:900}
.orbit-card small{color:var(--muted);font-weight:800}
.rate-card{right:4px;top:58px}
.savings-card{left:0;bottom:126px}
.savings-card strong{font-size:1.28rem}
.approval-card{right:12px;bottom:54px;border-radius:22px;padding:16px 18px;display:flex;align-items:center;gap:18px}
.approval-card b{display:block;color:var(--navy);font-size:.98rem;margin-top:3px}
.approval-card a{background:var(--navy);color:#fff;border-radius:999px;padding:9px 13px;font-weight:900}
.proof-ribbon{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:1px;margin-bottom:58px;background:rgba(16,43,78,.1);border:1px solid var(--line);border-radius:24px;overflow:hidden;box-shadow:0 25px 65px -50px rgba(16,43,78,.55)}
.proof-ribbon div{background:rgba(255,255,255,.88);padding:22px}
.proof-ribbon span{display:block;color:var(--gold);font-weight:900;font-size:.78rem;margin-bottom:6px}
.proof-ribbon b{display:block;color:var(--navy);font-size:1rem}
.proof-ribbon small{display:block;color:var(--muted);font-size:.82rem;line-height:1.35;margin-top:5px}

section{padding:84px 0}
.section-head{max-width:760px;margin:0 auto 42px;text-align:center}
.section-head h2{font-size:clamp(2.1rem,3.7vw,3.5rem);margin:9px 0 13px}
.section-head p{color:var(--muted);font-size:1.05rem}
.notice{background:#fff;color:var(--ink);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.notice .grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:38px;align-items:center}
.notice h2{font-size:2.55rem;margin:8px 0 14px}
.notice p{color:var(--muted)}
.myths{display:grid;gap:14px}
.myth{background:linear-gradient(180deg,#fff,var(--mist));border:1px solid var(--line);border-radius:20px;padding:20px;box-shadow:0 18px 45px -40px rgba(16,43,78,.5)}
.myth b{display:block;color:var(--navy);margin-bottom:5px}
.myth span{color:#247c58;font-weight:700}

.calc-tabs{display:flex;justify-content:center;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.calc-tab{border:1px solid var(--line);background:#fff;border-radius:999px;padding:12px 19px;font-weight:900;color:var(--muted);cursor:pointer;box-shadow:0 14px 30px -32px rgba(16,43,78,.4)}
.calc-tab.active{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-color:var(--blue)}
.calc-panel{display:none;max-width:980px;margin:0 auto;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);overflow:hidden;background:#fff}
.calc-panel.active{display:block}
.calc-inner{display:grid;grid-template-columns:1fr 370px}
.calc-form{padding:36px;background:#fff}
.calc-form h3{font-size:1.55rem;margin-bottom:6px}
.calc-form .sub{color:var(--muted);font-size:.92rem;margin-bottom:24px}
.field{margin:0 0 19px}
label{display:block;font-weight:900;color:var(--navy);font-size:.88rem;margin-bottom:7px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
input,select,textarea{width:100%;border:1px solid var(--line);border-radius:12px;padding:12px 13px;font:inherit;color:var(--ink);background:#fff}
textarea{min-height:112px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(77,181,217,.18);border-color:var(--aqua)}
input[type=range]{padding:0;height:7px;accent-color:var(--blue)}
.val{float:right;color:var(--gold)}
.seg{display:flex;gap:8px}
.seg button{flex:1;border:1px solid var(--line);border-radius:12px;background:#fff;padding:10px;font-weight:900;color:var(--muted);cursor:pointer}
.seg button.on{background:var(--ice);border-color:var(--aqua);color:var(--navy)}
.calc-out{background:linear-gradient(155deg,var(--navy),#1e6d9e);color:#fff;padding:34px;display:flex;flex-direction:column;justify-content:center}
.calc-out .label{font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-2);font-weight:900}
.calc-out .big{font-size:2.8rem;line-height:1.05;margin:7px 0;font-weight:900}
.calc-out p,.calc-out .small{color:#c9d9e7;font-size:.86rem}
.outrow{display:flex;justify-content:space-between;gap:16px;border-top:1px solid rgba(255,255,255,.15);padding:12px 0;color:#d5e2ef}
.outrow b{color:#fff}

.scheme-section,.process{background:linear-gradient(180deg,var(--mist),#fff)}
.card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{position:relative;background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:0 22px 55px -44px rgba(16,43,78,.55);overflow:hidden}
.card:before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:linear-gradient(90deg,var(--gold),var(--aqua));opacity:.85}
.card h3{font-size:1.22rem;margin:8px 0}
.card .amount{color:var(--gold);font-size:1.5rem;font-weight:900}
.card p,.card li{color:var(--muted);font-size:.91rem}
.card ul{list-style:none;padding:0;margin:14px 0 0}
.card li{position:relative;padding-left:20px;margin:6px 0}
.card li:before{content:"";position:absolute;left:0;top:.65em;width:8px;height:8px;background:var(--green);border-radius:50%}

.state-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.state-card{border:1px solid var(--line);border-radius:20px;padding:19px;background:linear-gradient(180deg,#fff,var(--mist));box-shadow:0 20px 45px -42px rgba(16,43,78,.55)}
.state-card h3{display:flex;justify-content:space-between;gap:10px;font-size:1.08rem;margin-bottom:10px}
.state-card h3 span{font-family:Inter,Arial,sans-serif;color:#fff;background:linear-gradient(135deg,var(--navy),var(--blue));border-radius:999px;padding:3px 9px;font-size:.72rem}
.state-card p{color:var(--muted);font-size:.9rem;margin-bottom:8px}
.state-card b{color:var(--navy)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);background:#fff}
table{border-collapse:collapse;width:100%;min-width:720px}
th{background:var(--navy);color:#fff;text-align:left;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;padding:15px}
td{padding:15px;border-bottom:1px solid var(--line);vertical-align:top;font-size:.9rem}
tr:nth-child(even) td{background:#f7fbff}
td small{display:block;color:var(--muted);margin-top:2px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step .num{width:40px;height:40px;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#fff;border-radius:50%;font-weight:900;margin-bottom:14px}

.form-section{background:radial-gradient(circle at 12% 15%,rgba(242,189,84,.2),transparent 25%),radial-gradient(circle at 86% 18%,rgba(77,181,217,.22),transparent 28%),linear-gradient(135deg,#f7fbff,#fff 55%,#eef9ff);color:var(--ink);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.form-section h2,.form-section h3{color:var(--navy)}
.lead-form{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow)}
.hp-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0!important}
.form-notice{border-radius:14px;padding:13px 15px;margin:0 0 16px;font-weight:900;font-size:.92rem}
.form-notice.success{background:#eaf8f1;color:#176a49;border:1px solid #bde8d2}
.form-notice.error{background:#fff0f0;color:#9a2f2f;border:1px solid #f1c4c4}
.form-layout{display:grid;grid-template-columns:.82fr 1.18fr;gap:36px;align-items:start}
.form-copy p{color:var(--muted);margin-top:12px}
.check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.check{display:flex;gap:8px;align-items:flex-start;border:1px solid var(--line);border-radius:14px;padding:11px;color:var(--ink);font-weight:800;font-size:.9rem;background:var(--mist)}
.check input{width:auto;margin-top:5px}
.faq details{border-bottom:1px solid var(--line);max-width:840px;margin:0 auto}
.faq summary{list-style:none;cursor:pointer;padding:19px 0;font-weight:900;color:var(--navy);display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq p{color:var(--muted);padding-bottom:18px}

.contact-band{background:linear-gradient(180deg,var(--mist),#fff);padding:54px 0}
.contact-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.contact-box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:0 20px 45px -42px rgba(16,43,78,.55)}
.site-footer{background:#0b172b;color:#9ba8bd;padding:42px 0 26px;font-size:.85rem}
.footer-top{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap;border-bottom:1px solid rgba(255,255,255,.09);padding-bottom:24px;margin-bottom:20px}
.mp-logo-link{display:inline-flex;background:#fff;border-radius:14px;padding:8px;border:1px solid rgba(255,255,255,.12);transition:transform .18s ease,box-shadow .18s ease}
.mp-logo-link:hover{transform:translateY(-1px);box-shadow:0 18px 40px -30px rgba(255,255,255,.45)}
.footer-top img{width:250px}
.footer-links{display:flex;gap:18px;flex-wrap:wrap}
.disclaimer{font-size:.76rem;color:#77859c;max-width:980px}
.page-hero{background:radial-gradient(circle at 12% 15%,rgba(242,189,84,.22),transparent 25%),linear-gradient(180deg,#fff,var(--mist));padding:78px 0}
.page-hero h1{font-size:clamp(2.5rem,4.8vw,4.4rem);margin-top:8px}
.page-hero p{max-width:680px;color:var(--muted);font-size:1.08rem;margin-top:16px}

@media(max-width:980px){
  .hero-grid,.notice .grid,.form-layout{grid-template-columns:1fr}
  .hero-visual{min-height:610px;max-width:620px;margin:0 auto}
  .card-grid,.state-grid,.steps,.proof-ribbon{grid-template-columns:repeat(2,1fr)}
  .calc-inner{grid-template-columns:1fr}
  .nav-links a:not(.btn):not(.phone-link){display:none}
  .nav-links{min-width:0;justify-content:flex-end}
  .brand img{width:250px}
}
@media(max-width:620px){
  .wrap{padding:0 18px}
  .top-strip-inner{align-items:center;flex-direction:column;padding-top:10px;padding-bottom:11px;gap:9px;text-align:center}
  .top-sites{width:100%;justify-content:center;gap:7px}
  .top-sites .mp-site{border-left:0;padding-left:0;width:100%}
  .top-phones{width:100%;display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .top-phones a{padding:8px 9px;font-size:.8rem}
  .nav{height:auto;min-height:112px;flex-direction:column;justify-content:center;gap:10px;padding:14px 0}
  .brand img{width:225px;margin:0 auto}
  .nav-links{width:100%;justify-content:center}
  .nav-links .phone-link{display:none}
  .nav-links .btn{width:100%;max-width:260px;min-width:0;padding:12px 16px}
  .hero-grid{min-height:auto;padding:44px 0 28px;gap:24px}
  .hero h1{font-size:2.72rem}
  .hero-form-card{padding:18px;border-radius:22px}
  .hero-form-card:before{border-radius:22px}
  .hero-form-proof{grid-template-columns:1fr 1fr 1fr}
  .hero-form-proof div{padding:10px 6px}
  .hero-visual{min-height:520px}
  .hero-photo{inset:32px auto auto 8px;width:88%;border-width:7px;border-radius:26px}
  .rate-card{right:0;top:28px}.savings-card{left:0;bottom:116px}
  .approval-card{left:18px;right:0;bottom:40px}
  .orbit-card{min-width:152px;padding:14px}.orbit-card strong{font-size:1.7rem}
  .trust,.card-grid,.state-grid,.steps,.field-row,.check-grid,.contact-grid,.proof-ribbon{grid-template-columns:1fr}
  .launch-map{grid-template-columns:repeat(2,1fr);gap:18px 8px}.launch-map:before{display:none}
  section{padding:62px 0}
  .hero-actions .btn{width:100%}
}