* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: system-ui, -apple-system, 'Segoe UI', Roboto, 'Helvetica Neue', Helvetica, sans-serif;
  background-color: #ffffff;
  color: #001E9C;
  line-height: 1.5;
  scroll-behavior: smooth;
}

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Navigation - fully responsive */
.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 0;
  flex-wrap: wrap;
  gap: 1rem;
}

.logo {
  font-size: 1.8rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: #001E9C;
}
.logo span {
  color: #00C9FF;
}

.nav-links {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  flex-wrap: wrap;
}

.nav-links a {
  text-decoration: none;
  font-weight: 500;
  color: #001E9C;
  transition: color 0.2s ease;
}

.nav-links a:hover {
  color: #00C9FF;
}

.btn-outline {
  border: 1.5px solid #00C9FF;
  background: transparent;
  padding: 0.5rem 1.2rem;
  border-radius: 40px;
  font-weight: 600;
  color: #00C9FF;
  transition: all 0.2s;
}

.btn-outline:hover {
  background: #00C9FF;
  color: white;
}

.btn-primary {
  background: #00C9FF;
  border: none;
  padding: 0.75rem 1.8rem;
  border-radius: 40px;
  font-weight: 600;
  color: white;
  cursor: pointer;
  transition: background 0.2s, transform 0.1s;
  display: inline-block;
  text-decoration: none;
  font-size: 1rem;
}

.btn-primary:hover {
  background: #00a3d1;
}

/* Hero Section */
.hero {
  padding: 3rem 0 4rem 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.hero-content {
  flex: 1.2;
}

.hero-badge {
  background: #e0f7ff;
  color: #00C9FF;
  display: inline-block;
  padding: 0.3rem 0.8rem;
  border-radius: 30px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
}

.hero-content h1 {
  font-size: clamp(2rem, 6vw, 3.2rem);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: #001E9C;
  margin-bottom: 1.2rem;
}

.hero-content p {
  font-size: clamp(1rem, 4vw, 1.2rem);
  color: #001E9C;
  max-width: 90%;
  margin-bottom: 2rem;
  text-align: justify;
  hyphens: auto;
}

.hero-stats {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
  margin-top: 2rem;
}

.stat-item h3 {
  font-size: clamp(1.3rem, 5vw, 1.8rem);
  font-weight: 700;
  color: #001E9C;
}

.stat-item p {
  font-size: 0.85rem;
  color: #001E9C;
  margin: 0;
}

.hero-image {
  flex: 1;
  background: #eef2f5;
  border-radius: 2rem;
  padding: 1rem;
  text-align: center;
}

.hero-image img {
  width: 100%;
  height: auto;
  border-radius: 1.5rem;
  object-fit: cover;
  display: block;
}

/* Services Section */
.services {
  padding: 4rem 0;
  background-color: #fafcfd;
}

.section-title {
  text-align: center;
  font-size: clamp(1.8rem, 5vw, 2.4rem);
  font-weight: 700;
  margin-bottom: 1rem;
  color: #001E9C;
}

.section-sub {
  text-align: center;
  color: #001E9C;
  max-width: 650px;
  margin: 0 auto 2.5rem auto;
  font-size: clamp(0.9rem, 3vw, 1rem);
}

.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.8rem;
}

.card {
  background: #00C9FF;
  border-radius: 1.5rem;
  padding: 1.8rem 1.5rem;
  transition: all 0.25s ease;
  border: 1px solid #e9edf2;
}

.card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 30px -12px rgba(0, 0, 0, 0.1);
  border-color: #001E9C80;
}

.card-icon {
  font-size: 2.2rem;
  margin-bottom: 1rem;
}

.card h3 {
  font-size: 1.4rem;
  margin-bottom: 0.75rem;
  font-weight: 600;
  color: #001E9C;
}

.card p {
  color: #001E9C;
  line-height: 1.5;
  font-size: 0.95rem;
}

/* Why Choose Us */
.why-us {
  padding: 3rem 0 4rem;
  scroll-margin-top: 80px;
}

.why-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  align-items: center;
  margin: 2rem 0;
}

.why-content {
  flex: 1;
  text-align: justify;
}

.why-content h2 {
  font-size: clamp(1.6rem, 5vw, 2rem);
  margin-bottom: 1rem;
  color: #001E9C;
}

.why-list {
  list-style: none;
  margin: 1.5rem 0;
}

.why-list li {
  margin-bottom: 0.8rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: #001E9C;
  font-size: 0.95rem;
}

.why-list li::before {
  content: "✓";
  color: #00C9FF;
  font-weight: bold;
}

.why-image {
  flex: 1;
  background: #eef2f5;
  border-radius: 1.5rem;
  padding: 1rem;
  text-align: center;
}

.why-image img {
  width: 100%;
  height: auto;
  border-radius: 1.2rem;
  object-fit: cover;
  display: block;
}

/* Loan Calculator Section */
.calculator-section {
  padding: 4rem 0;
  background: #ffffff;
  border-top: 1px solid #eef2f8;
  border-bottom: 1px solid #eef2f8;
  scroll-margin-top: 80px;
}

.calculator-card {
  max-width: 1000px;
  margin: 0 auto;
  background: white;
  border-radius: 2rem;
  box-shadow: 0 20px 35px -12px rgba(0,0,0,0.08);
  overflow: hidden;
  border: 1px solid #eef2f8;
}

.calculator-header {
  background: #00C9FF;
  padding: 1.5rem 1.5rem;
  border-bottom: 1px solid #eef2f8;
}
.calculator-header h3 {
  font-size: clamp(1.3rem, 5vw, 1.6rem);
  font-weight: 600;
  margin-bottom: 0.25rem;
  color: #001E9C;
}
.calculator-header p {
  color: #001E9C;
  font-size: 0.9rem;
}

.calculator-body {
  padding: 1.8rem;
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
}

.calculator-inputs {
  flex: 1.2;
  min-width: 220px;
}
.calculator-results {
  flex: 1;
  background: #fafcfd;
  border-radius: 1.5rem;
  padding: 1.2rem;
  border: 1px solid #eef2f8;
}

.input-group {
  margin-bottom: 1.2rem;
}
.input-group label {
  display: block;
  font-weight: 600;
  margin-bottom: 0.4rem;
  color: #001E9C;
  font-size: 0.9rem;
}
.input-group input, .input-group select {
  width: 100%;
  padding: 0.7rem 0.9rem;
  border-radius: 1rem;
  border: 1px solid #dce3e9;
  font-size: 1rem;
  background: white;
  color: #001E9C;
}
.input-group input:focus, .input-group select:focus {
  outline: none;
  border-color: #00C9FF;
  box-shadow: 0 0 0 3px rgba(0,201,255,0.1);
}
.result-item {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.9rem 0;
  border-bottom: 1px solid #e2e8f0;
  flex-wrap: wrap;
}
.result-item:last-child {
  border-bottom: none;
}
.result-label {
  font-weight: 500;
  color: #001E9C;
  font-size: 0.9rem;
}
.result-value {
  font-size: clamp(1rem, 5vw, 1.5rem);
  font-weight: 700;
  color: #001E9C;
}
.result-value small {
  font-size: 0.75rem;
  font-weight: normal;
}
.calc-note {
  font-size: 0.7rem;
  color: #001E9C;
  margin-top: 1rem;
  text-align: center;
}

/* Contact Form Section */
.contact-section {
  padding: 4rem 0;
  background: white;
  scroll-margin-top: 80px;
}

.contact-wrapper {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  background: #f8fafc;
  border-radius: 2rem;
  padding: 2rem;
  border: 1px solid #eef2f8;
}

.contact-info {
  flex: 1;
}

.contact-info h2 {
  font-size: clamp(1.5rem, 5vw, 2rem);
  margin-bottom: 1rem;
  color: #001E9C;
}

.contact-info p {
  margin-bottom: 1.2rem;
  color: #001E9C;
  font-size: 0.95rem;
}

.contact-detail {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  margin: 1rem 0;
  color: #001E9C;
  font-size: 0.95rem;
  flex-wrap: wrap;
}

.contact-form {
  flex: 1;
}

.form-group {
  margin-bottom: 1rem;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 0.8rem 1rem;
  border-radius: 1rem;
  border: 1px solid #dce3e9;
  background: white;
  font-family: inherit;
  font-size: 0.95rem;
  color: #001E9C;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: #00C9FF;
  box-shadow: 0 0 0 3px rgba(0,201,255,0.1);
}

/* Footer */
footer {
  background: #00C9FF;
  color: #001E9C;
  padding: 2.5rem 0 2rem;
  margin-top: 2rem;
}

.footer-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 2rem;
  margin-bottom: 2rem;
}

.footer-col {
  flex: 1;
  min-width: 180px;
}

.footer-col h4 {
  color: #001E9C;
  margin-bottom: 1rem;
  font-weight: 600;
  font-size: 1.1rem;
}

.footer-col p,
.footer-col a {
  color: #001E9C;
  text-decoration: none;
  line-height: 1.7;
  font-size: 0.85rem;
}

.footer-col a:hover {
  color: white;
  text-decoration: underline;
}

.copyright {
  text-align: center;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(0,30,156,0.15);
  font-size: 0.75rem;
  color: #001E9C;
}

/* Responsive refinements - combined */
@media (max-width: 900px) {
  .container {
    padding: 0 1.2rem;
  }
  .navbar {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }
  .nav-links {
    width: 100%;
    justify-content: center;
    gap: 1.2rem;
    flex-wrap: wrap;
  }
  .hero {
    flex-direction: column;
    text-align: center;
  }
  .hero-content p {
    max-width: 100%;
  }
  .hero-stats {
    justify-content: center;
  }
  /* 修复 Why Australian families 部分图片换行 */
  .why-grid {
    flex-direction: column;
  }
  .why-image {
    width: 100%;
  }
  .contact-wrapper {
    flex-direction: column;
  }
  .footer-grid {
    flex-direction: column;
    text-align: center;
    gap: 1.5rem;
  }
  .footer-col {
    text-align: center;
  }
  /* 下拉菜单移动端隐藏 */
  .dropdown-content {
    position: static;
    box-shadow: none;
    border: none;
    background: transparent;
    display: none !important;
  }
  .dropdown .dropbtn {
    cursor: pointer;
    pointer-events: auto;
  }
  .dropdown:hover .dropdown-content {
    display: none;
  }
  .dropdown-content a {
    padding: 0.5rem 0;
  }
}

/* 下拉菜单样式（主站风格） */
.dropdown {
  position: relative;
  display: inline-block;
}
.dropdown-content {
  display: none;
  position: absolute;
  background-color: white;
  min-width: 220px;
  box-shadow: 0 8px 16px rgba(0,0,0,0.1);
  border-radius: 1rem;
  z-index: 1;
  top: 100%;
  left: 0;
  border: 1px solid #eef2f8;
  overflow: hidden;
}
.dropdown-content a {
  color: #001E9C;
  padding: 0.75rem 1.2rem;
  text-decoration: none;
  display: block;
  font-weight: 500;
  transition: background 0.2s;
}
.dropdown-content a:hover {
  background-color: #e0f7ff;
  color: #00C9FF;
}
.dropdown:hover .dropdown-content {
  display: block;
}

/* 卡片添加可点击效果 */
.card-link {
  text-decoration: none;
  display: block;
  color: inherit;
}
.card-link .card {
  cursor: pointer;
}

/* ========== 子页面专用样式 ========== */

/* 通用表格样式（合并所有表格） */
.grants-table,
.cost-table,
.lvr-table,
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  margin: 2rem 0;
  background: white;
  border-radius: 1rem;
  overflow: hidden;
  box-shadow: 0 4px 12px rgba(0,0,0,0.05);
}
.grants-table th, .grants-table td,
.cost-table th, .cost-table td,
.lvr-table th, .lvr-table td,
.comparison-table th, .comparison-table td {
  padding: 1rem;
  text-align: left;
  border-bottom: 1px solid #eef2f8;
}
.grants-table th,
.cost-table th,
.lvr-table th,
.comparison-table th {
  background: #00C9FF;
  color: white;
  font-weight: 600;
}
.grants-table tr:last-child td,
.cost-table tr:last-child td,
.lvr-table tr:last-child td,
.comparison-table tr:last-child td {
  border-bottom: none;
}

/* 步骤卡片 */
.steps-section {
  background: #fafcfd;
  padding: 4rem 0;
}
.steps-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  justify-content: center;
  margin-top: 2rem;
}
.step-item {
  flex: 1;
  min-width: 200px;
  text-align: center;
  padding: 1.5rem;
  background: white;
  border-radius: 1.5rem;
  border: 1px solid #eef2f8;
}
.step-number {
  width: 50px;
  height: 50px;
  background: #00C9FF;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: bold;
  margin: 0 auto 1rem auto;
}
.step-item h3 {
  margin-bottom: 0.5rem;
  color: #001E9C;
}

/* FAQ 折叠 */
.faq-section {
  padding: 4rem 0;
}
.faq-item {
  margin-bottom: 1.5rem;
  border-bottom: 1px solid #eef2f8;
  padding-bottom: 1rem;
}
.faq-question {
  font-weight: 700;
  font-size: 1.1rem;
  color: #001E9C;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-question:hover {
  color: #00C9FF;
}
.faq-answer {
  margin-top: 0.5rem;
  color: #3a5a7a;
  display: none;
}
.faq-answer.show {
  display: block;
}

/* CTA 区块 */
.cta-section {
  background: #00C9FF;
  color: white;
  padding: 4rem 2rem;
  text-align: center;
  border-radius: 2rem;
  margin: 2rem 0;
}
.cta-section h2 {
  color: white;
  margin-bottom: 1rem;
}
.cta-section .btn-primary {
  background: white;
  color: #00C9FF;
  margin-top: 1rem;
}
.cta-section .btn-primary:hover {
  background: #e6f7ff;
}

/* 投资贷款策略卡片 */
.strategy-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  margin-top: 2rem;
}
.strategy-card {
  flex: 1;
  min-width: 240px;
  background: white;
  border-radius: 1.5rem;
  padding: 1.8rem;
  border: 1px solid #eef2f8;
  transition: all 0.25s ease;
}
.strategy-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 30px -12px rgba(0,0,0,0.08);
  border-color: #00C9FF80;
}
.strategy-card h3 {
  color: #001E9C;
  margin-bottom: 0.75rem;
}

/* 提示框 */
.tip-box {
  background: #e0f7ff;
  border-left: 5px solid #00C9FF;
  padding: 1.5rem;
  border-radius: 1rem;
  margin: 2rem 0;
}

/* 风险列表 */
.risk-list {
  list-style: none;
  margin: 1rem 0;
}
.risk-list li {
  margin-bottom: 0.8rem;
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
}
.risk-list li::before {
  content: "⚠️";
  color: #e67e22;
}

/* 商业贷款用途卡片 */
.purpose-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  margin-top: 2rem;
}
.purpose-card {
  flex: 1;
  min-width: 220px;
  background: white;
  border-radius: 1.5rem;
  padding: 1.8rem;
  border: 1px solid #eef2f8;
  transition: all 0.25s ease;
  text-align: center;
}
.purpose-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 30px -12px rgba(0,0,0,0.08);
  border-color: #00C9FF80;
}
.purpose-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

/* 转贷节省卡片 */
.savings-card {
  background: #f8fafc;
  border-radius: 1.5rem;
  padding: 1.5rem;
  text-align: center;
  border: 1px solid #eef2f8;
}
.savings-number {
  font-size: 2.5rem;
  font-weight: 700;
  color: #00C9FF;
}

/* 案例研究 */
.case-study {
  background: #f8fafc;
  border-radius: 1.5rem;
  padding: 1.8rem;
  margin: 1.5rem 0;
  border-left: 5px solid #00C9FF;
}

/* 响应式补充（针对子页面） */
@media (max-width: 600px) {
  .hero-stats {
    gap: 1rem;
    flex-direction: column;
    align-items: center;
  }
  .cards-grid {
    grid-template-columns: 1fr;
  }
  .calculator-body {
    padding: 1.2rem;
  }
  .btn-primary, .btn-outline {
    padding: 0.5rem 1.2rem;
    font-size: 0.9rem;
  }
  .nav-links {
    gap: 0.8rem;
  }
  .steps-grid,
  .strategy-grid,
  .purpose-grid {
    flex-direction: column;
  }
  .grants-table,
  .cost-table,
  .lvr-table,
  .comparison-table {
    font-size: 0.85rem;
  }
}