:root{
      --brand:#003366; --brand-2:#0A4FA3; --accent:#FFCF33;
      --ink:#1B1F23; --muted:#5b6b7a; --bg:#F6F8FB; --card:#FFFFFF;
      --ok:#1BB55C; --shadow:0 10px 24px rgba(11,26,51,.10); --radius:16px;
      --soft:#eef4ff;
    }
    *{box-sizing:border-box}
    body{margin:0;background:var(--bg);color:var(--ink);font-family:"Nunito Sans",system-ui,Arial,sans-serif;line-height:1.65}
    a{color:var(--brand-2);text-decoration:none} a:hover{text-decoration:underline}
    .wrap{max-width:1280px;margin:auto;padding:0 24px}

    /* HERO */
    header.hero{
      color:#fff; padding:72px 0 64px; overflow:hidden; position:relative;
      background: radial-gradient(900px 500px at -10% -10%, #2e75ff 0%, #0f61ca 45%, var(--brand) 100%);
    }
    .hero-grid{display:grid;gap:28px;align-items:center}
    @media(min-width:900px){.hero-grid{grid-template-columns:1.1fr .9fr}}
    .hero h1{margin:0 0 12px;font-size:clamp(28px,3.8vw,48px);font-weight:800}
    .lead{margin:0 0 18px;font-size:clamp(16px,2vw,20px)}
    .badges{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 8px}
    .badge{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);padding:6px 12px;border-radius:999px;font-size:13px;backdrop-filter:blur(4px)}
    .cta{display:inline-flex;gap:10px;align-items:center;background:var(--accent);color:#000;padding:14px 22px;border-radius:12px;font-weight:800;box-shadow:var(--shadow);transition:.2s}
    .cta:hover{transform:translateY(-2px)}
    .hero-art{background:#ffffff14;border:1px solid #ffffff2e;border-radius:22px;box-shadow:var(--shadow);padding:16px}
    .hero-art img{width:100%;height:auto;border-radius:14px;display:block}

    /* Sections */
    section{padding:64px 0}
    h2{font-size:clamp(22px,2.6vw,30px);color:var(--brand);margin:0 0 20px;text-align:center}
    .grid{display:grid;gap:24px}
    @media(min-width:768px){.cols-2{grid-template-columns:repeat(2,1fr)}.cols-3{grid-template-columns:repeat(3,1fr)}.cols-4{grid-template-columns:repeat(4,1fr)}}
    .card{background:var(--card);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
    .icon-title{display:flex;align-items:center;gap:10px}
    .icon-title i{color:#2f6bff}
    ul.clean{list-style:none;margin:0;padding:0} ul.clean li{margin:10px 0} .tick{color:var(--ok);margin-right:6px}

    /* CTA band */
    .cta-band{background:linear-gradient(135deg,#0f61ca 0%, #003f8a 70%);border-radius:20px;color:#fff;padding:26px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
    .cta-band h3{margin:0;font-size:clamp(18px,2.2vw,24px)}
    .cta-band .cta{background:#ffd24a}

    /* Brand tags */
    .brand-tag{display:inline-flex;align-items:center;gap:8px;font-weight:800;color:#fff;padding:6px 12px;border-radius:999px;font-size:12px;letter-spacing:.3px}
    .b-anz{background:#0078c1} .b-cba{background:#ffcf33;color:#000}
    .b-wbc{background:#d91b28} .b-nab{background:#000} .b-mac{background:#0a2533}
    .b-ing{background:#ff6200} .b-suncorp{background:#2f9c82} .b-bendigo{background:#8a1538}
    .b-stg{background:#c40017} .b-bankwest{background:#f58220} .b-hsbc{background:#db0011}
    .b-boq{background:#005eb8}

    /* BANKS - responsive */
    .bank-section .bank-table{display:none}
    .bank-section table{width:100%;border-collapse:collapse;font-size:15px}
    .bank-section th,.bank-section td{border:1px solid #e2e8f0;padding:12px;text-align:left;vertical-align:top}
    .bank-section th{background:#f1f5f9}
    .bank-section .name-cell{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
    .bank-cards{display:grid;gap:16px}
    .bank-card{background:var(--card);border-radius:18px;box-shadow:var(--shadow);padding:18px}
    .bank-card .top{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
    .meta{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 12px}
    .pill{background:var(--soft);color:#284a8a;border-radius:999px;padding:6px 10px;font-size:12px}
    @media(min-width:1000px){.bank-section .bank-table{display:block}.bank-cards{display:none}}

    /* Testimonials */
    .testimonial{display:flex;gap:14px;align-items:flex-start}
    .testimonial img{width:56px;height:56px;border-radius:50%;object-fit:cover;box-shadow:0 4px 12px rgba(0,0,0,.12)}
    .testimonial p{margin:6px 0}
    .muted{color:var(--muted)}

    /* FAQ / Form / Footer */
    .faq details{background:var(--card);padding:16px 20px;border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:14px}
    .faq summary{font-weight:700;cursor:pointer}
    .form label{font-weight:700;margin:10px 0 6px;display:block}
    .form input,.form select,.form textarea{width:100%;padding:12px;border:1px solid #d1d5db;border-radius:10px;background:#fff;font:inherit}
    .form .row{display:grid;gap:16px} @media(min-width:768px){.form .row{grid-template-columns:1fr 1fr}}

    footer{background:#0a1a2b;color:#eaf2ff;padding:36px 0 42px;font-size:14px}
    footer .brand-row{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin:8px auto 0;max-width:1024px}
    footer .tiny{font-size:12px;color:#bcd0ea;margin-top:12px;display:block;text-align:center}
/* ========== Topbar (Logo + Name + Apply button) ========== */
.topbar {
  background:#fff;
  box-shadow:0 2px 6px rgba(0,0,0,.08);
  position: sticky;
  top: 0;
  z-index: 1000;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;                  /* 防止元素太挤 */
  padding: 10px 0;
  white-space: nowrap;        /* 防止换行 */
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 0;               /* 允许内容在极窄屏被压缩 */
}
.brand img {
  height: 36px;
  width: auto;
  flex-shrink: 0;
  border-radius:10px;
  box-shadow:2px 2px 6px rgba(0,0,0,0.5);
}
.brand-name {
  font-weight: 800;
  font-size: 18px;
  color: var(--brand);
  overflow: hidden;           /* 超窄时避免把按钮挤掉 */
  text-overflow: ellipsis;
}

/* 主按钮（桌面） */
.top-cta {
  background: var(--accent);
  color: #000;
  padding: 10px 18px;
  border-radius: 10px;
  font-weight: 700;
  box-shadow: var(--shadow);
  display: inline-flex;
  align-items: center;
  box-shadow:2px 2px 6px rgba(0,0,0,0.5);
  gap: 8px;
}
.top-cta i { margin-right: 0; }
.top-cta:hover { transform: translateY(-2px); }

/* -------- Responsive adjustments (keep in one line) -------- */
@media (max-width: 600px) {
  .brand img { height: 32px; margin-left:12px;border-radius:12px;box-shadow:2px 2px 6px rgba(0,0,0,0.5);}
  .brand-name { font-size: 16px; }
  .top-cta {
    padding: 8px 12px;        /* 缩小按钮 */
    font-size: 14px;
    border-radius: 8px;
	box-shadow:2px 2px 6px rgba(0,0,0,0.5);
	margin-right:10px;
  }
}

/* 超窄屏：只显示图标按钮，避免换行／溢出 */
@media (max-width: 400px) {
  .top-cta {
    padding: 8px 10px;
    font-size: 0;             /* 隐藏文字，只保留图标 */
  }
  .top-cta i {
    font-size: 16px;
	
  }
}

/* 可选：极限情况下隐藏品牌名，仅保留 LOGO（自行决定是否开启） */
@media (max-width: 340px) {
  .brand-name { display: none; }
}
/* ===== Modal ===== */
.modal { 
  position: fixed; inset: 0; display: none; 
}
.modal.open { display: block; }
.modal-backdrop {
  position: absolute; inset: 0; background: rgba(0,0,0,.45);
}
.modal-card {
  position: relative;
  z-index: 2;
  width: min(520px, 92vw);
  margin: 10vh auto;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(10, 20, 40, .25);
  padding: 24px 22px 26px;
  text-align: center;
}
.modal-close {
  position: absolute; top: 8px; right: 10px;
  width: 32px; height: 32px; border: 0; border-radius: 8px;
  background: #f3f5f8; color: #333; font-size: 20px; cursor: pointer;
}
.modal-close:hover { background: #e9edf3; }

/* check animation */
.checkwrap { display:flex; justify-content:center; margin-bottom: 10px; }
.checkmark { width: 76px; height: 76px; }
.checkmark__circle {
  stroke: #22c55e; stroke-width: 3; stroke-miterlimit: 10;
  stroke-dasharray: 166; stroke-dashoffset: 166; animation: stroke 0.6s cubic-bezier(0.65, 0, 0.45, 1) forwards;
}
.checkmark__check {
  transform-origin: 50% 50%; stroke: #22c55e; stroke-width: 4; stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 48; stroke-dashoffset: 48; animation: stroke 0.4s 0.6s cubic-bezier(0.65, 0, 0.45, 1) forwards;
}
@keyframes stroke { to { stroke-dashoffset: 0; } }

.wa-btn { background: #25D366 !important; color: #fff !important; }
.wa-btn i { font-size: 18px; }

/* Toast */
.toast {
  position: fixed; left: 50%; top: 16px; transform: translateX(-50%) translateY(-20px);
  background:#111827; color:#fff; padding:10px 14px; border-radius:10px;
  box-shadow: 0 10px 24px rgba(0,0,0,.18);
  opacity: 0; pointer-events: none; transition: all .25s ease;
  z-index: 1200; font-size: 14px;
}
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }
.toast.success { background:#16a34a; }
.toast.error { background:#dc2626; }

/* (如果你还没引入 .brand-row/.brand-tag 等样式，保留你现有的即可) */