/* iCapital Finance. Rebuilt 2026 as static HTML/CSS/JS from the January 2025 archive. */

@font-face { font-family: "Poppins"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/poppins-400.woff2") format("woff2"); }
@font-face { font-family: "Poppins"; font-style: normal; font-weight: 500; font-display: swap; src: url("../fonts/poppins-500.woff2") format("woff2"); }
@font-face { font-family: "Poppins"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/poppins-600.woff2") format("woff2"); }
@font-face { font-family: "Poppins"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/poppins-700.woff2") format("woff2"); }

:root {
  /* Brand colours sampled from the original favicon */
  --navy: #13255b;
  --navy-900: #0b1739;
  --navy-700: #1c3373;
  --sky: #00a8e8;
  --sky-600: #0079b8;   /* sky darkened so white text on it passes WCAG AA */
  --sky-50: #e8f6fd;
  --ink: #1d2433;
  --text: #545e6f;
  --muted: #7a8494;
  --line: #e3e8f0;
  --bg: #ffffff;
  --bg-soft: #f4f7fb;
  --radius: 0;
  --radius-lg: 0;
  --shadow: 0 10px 30px rgba(19, 37, 91, .08);
  --shadow-lg: 0 24px 60px rgba(19, 37, 91, .16);
  --container: 1140px;
  --gutter: 20px;
  --font: "Poppins", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.7; color: var(--text); background: var(--bg); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--sky-600); text-decoration: none; }
a:hover { color: var(--navy); }
h1, h2, h3, h4, h5, h6 { font-family: var(--font); color: var(--navy); line-height: 1.25; margin: 0 0 .6em; font-weight: 600; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.45rem, 2.4vw, 1.9rem); }
h4 { font-size: 1.2rem; }
h5 { font-size: 1.05rem; }
h6 { font-size: 1.05rem; }
p { margin: 0 0 1em; }
ul { margin: 0; padding: 0; }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; border-radius: 0; }

.icon { width: 1em; height: 1em; flex: none; display: inline-block; vertical-align: middle; }
.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.section { padding: clamp(64px, 8vw, 100px) 0; }
.section--soft { background: var(--bg-soft); }
.section--navy { background: var(--navy); color: #c9d4ec; }
.section--navy h2, .section--navy h3, .section--navy h4 { color: #fff; }
.center { text-align: center; }
.lead { font-size: 1.08rem; }
.measure { max-width: 860px; margin-left: auto; margin-right: auto; }
.eyebrow { display: inline-block; font-size: .85rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--sky-600); margin-bottom: .9em; }
.section--navy .eyebrow, .hero .eyebrow, .page-hero .eyebrow { color: var(--sky); }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 0; }
.skip-link:focus { top: 12px; color: #fff; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: .55em; font: 500 .95rem/1 var(--font); padding: 1.05em 1.7em; border-radius: 0; border: 2px solid transparent; cursor: pointer; transition: background-color .2s, color .2s, border-color .2s, transform .2s; text-align: center; }
.btn .icon { width: 1.05em; height: 1.05em; transition: transform .2s; }
.btn:hover .icon { transform: translateX(3px); }
.btn--primary { background: var(--sky-600); color: #fff; }
.btn--primary:hover { background: var(--navy); color: #fff; }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--sky-600); color: #fff; }
.btn--ghost { border-color: rgba(255, 255, 255, .7); color: #fff; }
.btn--ghost:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn--outline { border-color: var(--navy); color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: #fff; }
.btn--sm { padding: .85em 1.3em; font-size: .9rem; }

/* Header */
.site-header { background: #fff; position: relative; z-index: 50; box-shadow: 0 1px 0 var(--line); }
.site-header .container { display: flex; align-items: center; gap: 24px; min-height: 92px; }
.brand { display: inline-flex; flex: none; line-height: 0; }
.brand__logo { height: 52px; width: auto; }
.brand__logo--footer { height: 48px; }
.nav { margin-left: auto; }
.nav__list { list-style: none; display: flex; gap: 6px; }
.nav__link { display: block; padding: 10px 16px; font-weight: 500; color: var(--ink); border-radius: 0; position: relative; }
.nav__link::after { content: ""; position: absolute; left: 16px; right: 16px; bottom: 4px; height: 2px; background: var(--sky); transform: scaleX(0); transform-origin: left; transition: transform .25s; }
.nav__link:hover, .nav__link[aria-current="page"] { color: var(--navy); }
.nav__link:hover::after, .nav__link[aria-current="page"]::after { transform: scaleX(1); }
.header-cta { flex: none; }
.nav-toggle { display: none; margin-left: auto; background: var(--navy); color: #fff; border: 0; border-radius: 0; width: 46px; height: 46px; align-items: center; justify-content: center; cursor: pointer; }
.nav-toggle .icon { width: 24px; height: 24px; }
.nav-toggle .icon--close { display: none; }
.nav-open .nav-toggle .icon--open { display: none; }
.nav-open .nav-toggle .icon--close { display: inline-block; }

@media (max-width: 1024px) {
  .site-header .container { min-height: 76px; }
  .header-cta { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav { position: absolute; left: 0; right: 0; top: 100%; background: #fff; box-shadow: var(--shadow-lg); margin: 0; display: none; }
  .nav-open .nav { display: block; }
  .nav__list { flex-direction: column; gap: 0; padding: 8px 0; }
  .nav__link { padding: 14px var(--gutter); border-radius: 0; border-top: 1px solid var(--line); }
  .nav__link::after { display: none; }
  .nav__link[aria-current="page"] { color: var(--sky-600); }
  .nav__cta { display: block; padding: 14px var(--gutter) 18px; border-top: 1px solid var(--line); }
  .nav__cta .btn { width: 100%; justify-content: center; }
}
@media (min-width: 1025px) { .nav__cta { display: none; } }
@media (max-width: 480px) {
  .brand__logo { height: 40px; }
}

/* Hero */
.hero { position: relative; color: #d6def0; background: var(--navy-900) url("../img/hero-suburb-aerial.jpg") center / cover no-repeat; background-image: image-set(url("../img/hero-suburb-aerial.webp") type("image/webp"), url("../img/hero-suburb-aerial.jpg") type("image/jpeg")); overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(11, 23, 57, .94) 0%, rgba(19, 37, 91, .86) 45%, rgba(19, 37, 91, .55) 100%); }
.hero .container { position: relative; padding-top: clamp(56px, 7vw, 96px); padding-bottom: clamp(56px, 7vw, 96px); }
.hero__inner { max-width: 820px; }
.hero h1 { max-width: 700px; }
.hero .eyebrow { max-width: none; font-size: .85rem; line-height: 1.5; margin-bottom: 1.1em; }
.hero h1 { color: #fff; margin-bottom: .45em; }
.hero p { font-size: 1.12rem; max-width: 600px; margin-bottom: 2em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; }

/* Inner page hero */
.page-hero { position: relative; background: var(--navy-900) url("../img/melbourne-skyline.jpg") center 60% / cover no-repeat; background-image: image-set(url("../img/melbourne-skyline.webp") type("image/webp"), url("../img/melbourne-skyline.jpg") type("image/jpeg")); color: #c9d4ec; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(11, 23, 57, .95), rgba(19, 37, 91, .78)); }
.page-hero .container { position: relative; padding-top: clamp(70px, 9vw, 120px); padding-bottom: clamp(70px, 9vw, 120px); }
.page-hero h1 { color: #fff; margin-bottom: .3em; }
.page-hero p { max-width: 640px; font-size: 1.08rem; margin: 0; }
.breadcrumb { list-style: none; display: flex; gap: 8px; font-size: .9rem; margin-bottom: 18px; }
.breadcrumb a { color: var(--sky); }
.breadcrumb li + li::before { content: "/"; margin-right: 8px; color: #8796bd; }

/* Service cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; margin-top: 50px; }
.card { background: #fff; border-radius: 0; box-shadow: var(--shadow); padding: 34px 30px 30px; display: flex; flex-direction: column; transition: transform .3s, box-shadow .3s; }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.card__head { display: flex; align-items: center; gap: 16px; margin-bottom: 16px; }
.card__head h3 { font-size: 1.15rem; margin: 0; }
.card__head h3 a { color: var(--navy); }
.card__head h3 a:hover { color: var(--sky-600); }
.icon-badge { width: 58px; height: 58px; border-radius: 0; background: var(--sky-50); color: var(--sky-600); display: inline-flex; align-items: center; justify-content: center; flex: none; }
.icon-badge .icon { width: 28px; height: 28px; }
.card p { flex: 1; }
.card__img { border-radius: 0; overflow: hidden; margin: 6px 0 24px; aspect-ratio: 3 / 2; }
.card__img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s; }
.card:hover .card__img img { transform: scale(1.05); }
.card .btn { align-self: flex-start; }

/* Banner */
.banner { background: linear-gradient(110deg, var(--navy) 0%, var(--navy-700) 100%); border-radius: 0; padding: clamp(36px, 5vw, 56px) clamp(28px, 5vw, 64px); display: flex; align-items: center; justify-content: space-between; gap: 24px 40px; flex-wrap: wrap; position: relative; overflow: hidden; }
.banner h2 { color: #fff; margin: 0; font-size: clamp(1.5rem, 2.6vw, 2rem); position: relative; }
.banner .btn { position: relative; z-index: 1; }
.band { padding: 0 0 clamp(64px, 8vw, 100px); }

/* Feature grid */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 46px 40px; margin-top: 50px; }
.feature { display: grid; grid-template-columns: auto 1fr; gap: 6px 20px; align-items: start; }
.feature .icon-badge { grid-row: span 2; }
.feature h3 { font-size: 1.08rem; margin: 6px 0 4px; }
.feature p { margin: 0; }

/* Journey steps */
.journey { display: grid; grid-template-columns: 5fr 7fr; gap: 50px 70px; align-items: center; }
.journey__intro h2 { margin-bottom: .5em; }
.steps { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 26px; counter-reset: step; }
.step { background: #fff; border-radius: 0; padding: 30px 26px; box-shadow: var(--shadow); position: relative; counter-increment: step; }
.step::before { content: "0" counter(step); position: absolute; right: 22px; top: 18px; font-size: 2.2rem; font-weight: 700; color: var(--sky-50); line-height: 1; }
.step .icon-badge { background: var(--navy); color: #fff; margin-bottom: 18px; position: relative; }
.step h3 { font-size: 1.02rem; font-weight: 500; line-height: 1.55; margin: 0; color: var(--ink); }

/* Benefit columns with connectors */
.benefits { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; gap: 20px; align-items: start; }
.benefit h3 { display: flex; gap: 12px; align-items: center; font-size: 1.15rem; }
.benefit h3 .icon { width: 30px; height: 30px; color: var(--sky); }
.benefit p { margin: 0; }
.connector { width: 70px; margin-top: 15px; color: var(--sky); }
.connector svg { width: 100%; height: 14px; display: block; }

/* Lenders */
.lenders { position: relative; }
.lenders__stats { display: flex; justify-content: center; flex-wrap: wrap; gap: 20px 60px; margin-top: 40px; }
.stat { text-align: center; }
.stat strong { display: block; font-size: clamp(2.2rem, 4vw, 3rem); color: #fff; font-weight: 700; line-height: 1.1; }
.stat strong span { color: var(--sky); }
.stat small { font-size: .95rem; color: #c9d4ec; }

/* Testimonials */
.testimonials { position: relative; margin-top: 46px; }
.testimonials__quote { position: absolute; left: 50%; top: -34px; transform: translateX(-50%); width: 68px; height: 68px; border-radius: 0; background: var(--sky-600); color: #fff; display: flex; align-items: center; justify-content: center; z-index: 2; box-shadow: var(--shadow); }
.testimonials__quote .icon { width: 30px; height: 30px; }
.slider { background: #fff; border-radius: 0; box-shadow: var(--shadow); padding: 60px clamp(24px, 6vw, 80px) 36px; }
.slider__track { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; scroll-behavior: smooth; scrollbar-width: none; }
.slider__track::-webkit-scrollbar { display: none; }
.slide { flex: 0 0 100%; scroll-snap-align: center; text-align: center; margin: 0; padding: 0 4px; }
.stars { display: inline-flex; gap: 4px; color: #f6b10a; margin-bottom: 18px; }
.stars .icon { width: 18px; height: 18px; }
.slide blockquote { margin: 0 auto 24px; max-width: 760px; font-size: 1.06rem; color: var(--ink); }
.slide cite { font-style: normal; display: block; }
.slide cite strong { display: block; color: var(--navy); font-size: 1.05rem; }
.slide cite span { font-size: .9rem; color: var(--muted); }
.slider__nav { display: flex; align-items: center; justify-content: center; gap: 18px; margin-top: 28px; }
.slider__btn { width: 42px; height: 42px; border-radius: 0; border: 1px solid var(--line); background: #fff; color: var(--navy); display: inline-flex; align-items: center; justify-content: center; cursor: pointer; transition: background-color .2s, color .2s; }
.slider__btn:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.slider__btn .icon { width: 20px; height: 20px; }
.slider__dots { display: flex; gap: 8px; }
.slider__dot { width: 10px; height: 10px; padding: 0; border-radius: 0; border: 0; background: #cfd7e6; cursor: pointer; transition: background-color .2s, width .2s; }
.slider__dot[aria-current="true"] { background: var(--sky-600); width: 26px; border-radius: 0; }

/* Call to action */
.cta { display: grid; grid-template-columns: 1fr 1fr; gap: 50px 70px; align-items: center; }
.cta h2 { margin-bottom: .4em; }
.cta-card { background: var(--navy); color: #c9d4ec; border-radius: 0; padding: clamp(32px, 4vw, 48px); box-shadow: var(--shadow-lg); transform-style: preserve-3d; transition: transform .25s ease-out; will-change: transform; }
.cta-card__head { display: flex; align-items: center; gap: 16px; margin-bottom: 16px; }
.cta-card__head .icon-badge { background: rgba(0, 168, 232, .16); color: var(--sky); }
.cta-card h3 { color: #fff; font-size: 1.3rem; margin: 0; }
.cta-card .btn { margin-top: 10px; }

/* Services page */
.service { display: grid; grid-template-columns: 1fr 1fr; gap: 50px 70px; align-items: center; scroll-margin-top: 30px; }
.service + .service { margin-top: clamp(70px, 9vw, 110px); }
.service:nth-of-type(even) .service__media { order: 2; }
.service__media { border-radius: 0; overflow: hidden; box-shadow: var(--shadow-lg); aspect-ratio: 3 / 2; }
.service__media img { width: 100%; height: 100%; object-fit: cover; }
.service h2 { display: flex; align-items: center; gap: 16px; }
.ticks { list-style: none; display: grid; gap: 12px; margin: 22px 0 30px; }
.ticks li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink); }
.ticks .icon { width: 22px; height: 22px; color: var(--sky-600); margin-top: 2px; }

/* About page */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 50px 70px; align-items: center; }
.split__media { border-radius: 0; overflow: hidden; box-shadow: var(--shadow-lg); aspect-ratio: 3 / 2; position: relative; }
.split__media img { width: 100%; height: 100%; object-fit: cover; }
.languages { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px; }
.chip { display: inline-flex; align-items: center; gap: 8px; background: var(--sky-50); color: var(--navy); font-weight: 500; font-size: .92rem; padding: 8px 16px; border-radius: 0; }
.chip .icon { color: var(--sky-600); width: 18px; height: 18px; }
#value { scroll-margin-top: 30px; }

/* Contact page */
.contact { display: grid; grid-template-columns: 7fr 5fr; gap: 50px; align-items: start; }
.form-card, .info-card { background: #fff; border-radius: 0; box-shadow: var(--shadow); padding: clamp(28px, 4vw, 44px); }
.info-card { background: var(--navy); color: #c9d4ec; }
.info-card h2 { color: #fff; font-size: 1.4rem; }
.info-list { list-style: none; display: grid; gap: 22px; margin-top: 24px; }
.info-list li { display: grid; grid-template-columns: auto 1fr; gap: 14px; }
.info-list .icon { width: 22px; height: 22px; color: var(--sky); margin-top: 3px; }
.info-list strong { display: block; color: #fff; font-weight: 500; }
.info-list a { color: #fff; border-bottom: 1px solid rgba(0, 168, 232, .6); word-break: break-word; }
.info-list a:hover { color: var(--sky); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; margin-top: 24px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field--full { grid-column: 1 / -1; }
.field label { font-weight: 500; color: var(--ink); font-size: .95rem; }
.field label .req { color: #c0392b; }
.field input, .field select, .field textarea { font: inherit; color: var(--ink); background: var(--bg-soft); border: 1px solid #d5dce8; border-radius: 0; padding: 13px 15px; width: 100%; transition: border-color .2s, box-shadow .2s, background-color .2s; }
.field textarea { min-height: 150px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--sky-600); background: #fff; box-shadow: 0 0 0 4px rgba(0, 168, 232, .18); }
.field input[aria-invalid="true"], .field textarea[aria-invalid="true"] { border-color: #c0392b; }
.hp { position: absolute; left: -9999px; }
.form-note { font-size: .85rem; color: var(--muted); margin: 14px 0 0; }
.form-status { margin-top: 18px; padding: 14px 16px; border-radius: 0; font-weight: 500; }
.form-status[hidden] { display: none; }
.form-status--ok { background: #e7f7ee; color: #146c3c; }
.form-status--err { background: #fdecea; color: #a12a1d; }
.map { margin-top: 50px; border-radius: 0; overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 21 / 8; background: var(--bg-soft); }
.map iframe { border: 0; width: 100%; height: 100%; display: block; }

/* 404 */
.notfound { text-align: center; padding: clamp(80px, 12vw, 160px) 0; }
.notfound__code { font-size: clamp(5rem, 16vw, 9rem); font-weight: 700; color: var(--sky-50); line-height: 1; margin-bottom: 10px; -webkit-text-stroke: 2px var(--sky); }
.notfound .hero__actions { justify-content: center; }

/* Footer */
.site-footer { background: var(--navy-900); color: #aab6d3; font-size: .95rem; }
.site-footer .container { display: grid; grid-template-columns: 1.3fr 1fr 1.5fr 1.1fr; gap: 40px; padding-top: 80px; padding-bottom: 60px; }
.site-footer h2 { color: #fff; font-size: 1.05rem; margin-bottom: 20px; position: relative; padding-bottom: 12px; }
.site-footer h2::after { content: ""; position: absolute; left: 0; bottom: 0; width: 34px; height: 2px; background: var(--sky); }
.site-footer a { color: #d9e1f2; }
.site-footer a:hover { color: var(--sky); }
.footer-about p { margin-top: 20px; }
.footer-links { list-style: none; display: grid; gap: 10px; }
.footer-links a { display: inline-flex; align-items: center; gap: 8px; }
.footer-links .icon { width: 14px; height: 14px; color: var(--sky); }
.footer-contact { list-style: none; display: grid; gap: 14px; }
.footer-contact li { display: grid; grid-template-columns: auto 1fr; gap: 12px; }
.footer-contact .icon { width: 18px; height: 18px; color: var(--sky); margin-top: 4px; }
.footer-contact span { display: block; color: #8796bd; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .08); }
.footer-bottom .container { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px 20px; padding-top: 22px; padding-bottom: 22px; font-size: .88rem; color: #8796bd; }

/* Reveal animations, matching the original fadeIn / fadeInDown entrances */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .8s ease, transform .8s ease; }
.js .reveal--down { transform: translateY(-18px); }
.js .reveal.is-in { opacity: 1; transform: none; }
/* The hero animates on load with CSS so the headline never waits on script */
@keyframes fade-down { from { opacity: 0; transform: translateY(-18px); } to { opacity: 1; transform: none; } }
.js .hero .reveal { opacity: 1; transform: none; transition: none; animation: fade-down .8s ease both; }
.js .hero .reveal:nth-child(2) { animation-delay: .1s; }
.js .hero .reveal:nth-child(3) { animation-delay: .2s; }
.js .hero .reveal:nth-child(4) { animation-delay: .4s; }
@media (prefers-reduced-motion: reduce) {
  .js .reveal, .js .hero .reveal { opacity: 1; transform: none; transition: none; animation: none; }
  .card, .card__img img, .btn .icon, .cta-card { transition: none; }
}

/* Responsive */
@media (max-width: 1024px) {
  .cards { grid-template-columns: 1fr 1fr; }
  .features { grid-template-columns: 1fr 1fr; }
  .journey, .cta, .split, .service, .contact { grid-template-columns: 1fr; }
  .service:nth-of-type(even) .service__media { order: 0; }
  .site-footer .container { grid-template-columns: 1fr 1fr; }
  .benefits { grid-template-columns: 1fr; gap: 30px; }
  .connector { display: none; }
}
@media (max-width: 767px) {
  .cards, .features, .steps, .form-grid { grid-template-columns: 1fr; }
  .site-footer .container { grid-template-columns: 1fr; padding-top: 60px; }
  .hero__actions .btn { flex: 1 1 100%; justify-content: center; }
  .banner { flex-direction: column; align-items: flex-start; }
  .map { aspect-ratio: 4 / 3; }
  .footer-bottom .container { justify-content: center; text-align: center; }
}

@media print {
  .site-header .nav, .nav-toggle, .header-cta, .hero__actions, .slider__nav, .map { display: none !important; }
  .hero, .page-hero { background: none !important; color: #000; }
  .hero::before, .page-hero::before { display: none; }
  .hero h1, .page-hero h1 { color: #000; }
}