:root{--ink:#173e35;--text:#263c35;--muted:#65716b;--paper:#faf9f5;--line:#dde1d9;--green:#e6ece0;--gold:#bd9c5d}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--text);font:16px/1.75 -apple-system,BlinkMacSystemFont,"PingFang TC","Noto Sans TC","Microsoft JhengHei",sans-serif}a{color:inherit;text-decoration:none}button,input{font:inherit}button,a,input,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid 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#0003;background:var(--paper)}dialog::backdrop{background:#102b26a6;backdrop-filter:blur(4px)}.dialog-top{position:sticky;top:0;display:flex;justify-content:space-between;align-items:center;padding:12px 24px;background:var(--paper);border-bottom:1px solid var(--line);z-index:1}.dialog-top span{font-size:10px;letter-spacing:2px}.dialog-top button{border:0;background:#e9ede4;border-radius:50%;width:44px;height:44px;font-size:19px}#article-body{padding:32px 40px}#article-body h2{font-size:29px}#article-body h3{font-size:19px;margin-top:25px}#article-body p,#article-body li{font-size:15px}#article-body ul{padding-left:23px;color:var(--muted)}.article-tip{padding:18px 22px;background:#e9eee3;border-left:3px solid #839575;border-radius:3px}.article-tip p{margin:0}.article-disclaimer{font-size:11px!important;border-top:1px solid var(--line);padding-top:20px;margin-top:30px}.dialog-bottom{padding:0 40px 30px;display:flex;align-items:center;gap:14px}.outline{background:transparent;color:var(--ink)}.outline:hover{color:white}#copy-status{font-size:12px}.article-link{color:var(--ink);text-decoration:underline}body.modal-open{overflow:hidden}@media(min-width:1440px){.hero{margin-top:35px}}@media(max-width:1000px){header{padding:20px 28px}.hero{padding:0 28px;gap:28px}.hero-actions{gap:15px}.hero-note{font-size:10px}.stage-bar{margin:0 28px;gap:10px;grid-template-columns:1fr 1fr 1fr}.stage-intro{grid-column:1/-1}.stage-bar button:first-of-type{border-left:0;padding-left:0}.section{padding:60px 28px}.cards{gap:20px;grid-template-columns:repeat(2,1fr)}.journey{margin:0 28px;gap:35px}.pdf-note{margin:25px 28px}.about{gap:35px}.faq{padding-top:0;gap:30px}.hero-note span{margin:0 3px}.section-heading{align-items:start}.search{min-width:240px}}@media(max-width:640px){html{scroll-padding-top:20px}.prototype{font-size:9px;letter-spacing:1px}header{padding:16px 20px;gap:10px}.brand b{font-size:21px}.brand-icon{font-size:36px}.brand small{font-size:9px}.brand{gap:8px}header nav{display:none}.button.small{padding:9px 13px;font-size:12px;gap:10px}.hero{grid-template-columns:1fr;margin:25px auto 30px;padding:0 22px;gap:28px}.eyebrow{font-size:9px;letter-spacing:1.5px;margin-bottom:16px}h1{font-size:36px;line-height:1.5;margin-bottom:18px;letter-spacing:-1px}.hero-copy>p{font-size:14px}.hero-actions{margin-top:22px;gap:18px}.hero-actions .button{font-size:13px;padding:13px 16px;gap:14px}.hero-actions .text-link{font-size:12px}.hero-note{font-size:10px;margin-top:20px}.stage-bar{margin:0 22px;padding:17px 0;grid-template-columns:1fr;gap:1px}.stage-intro{font-size:12px;margin-bottom:7px}.stage-bar button{border:0!important;padding:12px 0!important;font-size:14px}.stage-bar button span{margin-right:18px}.section{padding:46px 22px}h2{font-size:27px;letter-spacing:-.5px}.section-heading{display:block}.section-heading p{font-size:13px}.search{margin-top:24px;width:100%;height:48px}.search input{font-size:16px}.filter-row{align-items:start;flex-direction:column;margin-top:19px;gap:12px}.filters{gap:3px;width:100%;justify-content:space-between}.filters button{padding:8px 10px;font-size:12px}.cards{grid-template-columns:1fr;gap:22px}.card-art{height:190px}.card-content{padding:20px}.card h3{font-size:20px}.card-content p{font-size:14px}.card-meta{font-size:11px}.card-bottom{font-size:13px}.journey{grid-template-columns:1fr;margin:0 22px;padding:28px 22px;gap:28px}.journey-intro p{max-width:none}.journey li{gap:18px}.pdf-note{margin:22px 22px 0;padding:22px 18px;gap:15px;flex-wrap:wrap}.pdf-icon{width:40px;height:52px;flex-shrink:0}.pdf-note>div:nth-child(2){flex:1}.pdf-note h3{font-size:17px}.pdf-note p{font-size:12px}.pdf-note .pill{margin:0 0 0 55px}.about{grid-template-columns:1fr;gap:27px}.about p{font-size:14px}.faq{grid-template-columns:1fr;gap:10px;padding-top:0}footer{padding:30px 22px 110px;gap:20px}footer>small{font-size:10px}.mobile-cta{display:flex;position:fixed;bottom:0;left:0;right:0;padding:12px 18px calc(12px + env(safe-area-inset-bottom));gap:12px;background:#faf9f5f5;border-top:1px solid var(--line);z-index:5;backdrop-filter:blur(12px)}.mobile-cta a{min-height:46px;display:grid;place-items:center;font-size:13px;border-radius:5px}.mobile-cta a:first-child{border:1px solid var(--line);width:31%}.mobile-cta a:last-child{background:var(--ink);color:white;flex:1}dialog{max-height:92dvh;width:calc(100% - 20px);border-radius:9px}#article-body{padding:24px}#article-body h2{font-size:25px}.dialog-top{padding:10px 18px}.dialog-bottom{padding:0 24px 25px;flex-wrap:wrap}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Services and direct contact */
.hero h1{font-size:clamp(32px,3.2vw,47px)}.services{padding-bottom:30px}.service-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:28px}.service{border:1px solid var(--line);border-radius:9px;background:#eef0e8;padding:30px}.service:nth-child(2){background:#f1ece2}.service-label{font-size:10px;letter-spacing:2px;color:var(--muted)}.service h3{font-size:28px;margin:12px 0}.service p,.service li{font-size:14px}.service ul{padding-left:20px;color:var(--muted);margin-bottom:26px}.contact{display:grid;grid-template-columns:1fr 1fr;gap:40px;border-top:1px solid var(--line)}.contact-links{display:flex;flex-direction:column;align-items:flex-start;gap:15px;min-width:0}.contact-links>a{overflow-wrap:anywhere;font-size:14px}.filters{justify-content:flex-start}@media(max-width:640px){.hero h1{font-size:33px}.service-grid,.contact{grid-template-columns:1fr;gap:20px}.service{padding:24px}.services{padding-bottom:0}.service .button{width:100%}.filters{gap:5px}.contact{padding-bottom:45px}.contact-links a{min-height:44px;display:flex;align-items:center}.contact-links>a:last-child{font-size:13px}}

.brand-avatar{display:block;width:52px;height:52px;flex-shrink:0;border-radius:50%;overflow:hidden;background:#69706b;border:1px solid #d8ded3}.brand-avatar img{display:block;width:100%;height:100%;object-fit:cover;object-position:51% 32%;transform:scale(1.4);transform-origin:51% 32%}@media(max-width:640px){.brand-avatar{width:44px;height:44px}}

/* Photography and restrained editorial covers. No generated imagery. */
.hero{grid-template-columns:1fr 1fr;gap:48px;align-items:center}.hero-photo{margin:0;min-width:0}.hero-photo>img{display:block;width:100%;height:440px;object-fit:cover;object-position:51% 66%;border-radius:5px}.hero-photo figcaption{display:flex;justify-content:space-between;gap:12px;font-size:10px;color:var(--muted);padding-top:12px;letter-spacing:.6px}.hero-photo figcaption span:first-child{font-size:9px;letter-spacing:1px}.service{padding:0;overflow:hidden;background:#fff!important}.service-photo{display:block;width:100%;height:250px;object-fit:cover}.home-photo{object-position:50% 70%}.car-photo{object-position:50% 65%}.service-copy{padding:30px}.service-label{font-size:10px}.card-art{height:210px;background:#eee9dc!important}.cover-photo{width:100%;height:100%;display:block;object-fit:cover}.detail-photo{object-position:60% 82%;transform:scale(1.25);transform-origin:65% 75%}.type-cover{height:100%;width:100%;padding:23px 27px;display:flex;flex-direction:column;justify-content:space-between;background:#e9e6dc;color:#244438;text-align:left}.type-cover small{font-size:9px;letter-spacing:2px}.type-cover strong{font-size:27px;line-height:1.45;font-weight:500;letter-spacing:1px}.type-cover>span{font-size:10px;letter-spacing:1px}.dark-cover{background:#254d40;color:#f2f0e5}.dark-cover small,.dark-cover>span{color:#c0cbbb}.about{grid-template-columns:.85fr 1.15fr;gap:70px}.about-photo{margin:0;background:#e4e3dd;border-radius:5px;overflow:hidden}.about-photo img{display:block;width:100%;height:390px;object-fit:cover;object-position:50% 38%}.about-photo figcaption{padding:16px 22px;display:flex;justify-content:space-between;gap:12px;align-items:center;background:#eeeee7}.about-photo strong{font:20px Georgia,serif}.about-photo figcaption span{font-size:10px;color:var(--muted)}.icon{width:20px;height:20px;flex:0 0 20px;vertical-align:middle}.contact-links>a{gap:12px;display:flex;align-items:center}.contact-links>a>span{overflow-wrap:anywhere;min-width:0}.photo-credit{width:100%;font-size:10px;color:var(--muted);line-height:1.9}.photo-credit a{text-decoration:underline;text-underline-offset:3px}
@media(max-width:1000px){.hero{gap:28px}.hero-photo>img{height:390px}.about{gap:35px}.service-photo{height:220px}}
@media(max-width:640px){.hero{grid-template-columns:1fr;gap:28px}.hero h1{font-size:32px}.hero h1 em{display:block}.hero-photo>img{height:290px;object-position:50% 70%;border-radius:4px}.hero-photo figcaption{font-size:9px;flex-wrap:wrap;gap:4px}.hero-photo figcaption span:first-child{font-size:8px}.service{padding:0}.service-photo{height:220px}.service-copy{padding:24px}.card-art{height:210px}.type-cover{padding:24px}.type-cover strong{font-size:28px}.about{grid-template-columns:1fr;gap:28px}.about-photo img{height:340px}.about-photo figcaption{padding:15px 18px}.about-photo strong{font-size:19px}.about-photo figcaption span{font-size:9px}}
@media(min-width:1001px){.service-photo{height:300px}}.car-photo{object-position:50% 58%}

.empty-contact{display:block;margin:18px auto 24px}.hero-copy>p{max-width:540px}.hero h1{font-size:clamp(32px,3.2vw,47px)}@media(max-width:640px){.hero h1{font-size:31px}}

/* Three lending services, with readable cards on smaller screens. */
@media(min-width:1001px){.service-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.service-copy{padding:24px}.service-photo{height:240px}}
.service-photo.type-cover{height:240px}.service-copy{display:flex;flex-direction:column;flex:1}.service{display:flex;flex-direction:column}.service-copy .button{margin-top:auto;align-self:flex-start}.filters{flex-wrap:wrap}

.qa{border-top:1px solid var(--line)}.qa-nav{display:flex;flex-wrap:wrap;gap:10px;margin:25px 0}.qa-nav a{border:1px solid var(--line);padding:10px 16px;border-radius:24px;font-size:13px}.qa-nav a:hover{background:var(--ink);color:white}.qa-count,.qa-footnote{font-size:13px}.qa-groups{display:grid;grid-template-columns:1fr 1fr;gap:36px}.qa-group{min-width:0;scroll-margin-top:25px}.qa-group h3{font-size:20px;margin:15px 0}.qa-group details{border-top:1px solid var(--line)}.qa-group summary,.qa-sources summary{cursor:pointer;padding:18px 0;font-size:15px;line-height:1.7}.qa-answer{padding:0 0 20px}.qa-answer p{font-size:14px;margin:0 0 12px}.qa-answer strong{font-weight:500;color:var(--ink)}.qa-group details[open] summary{color:var(--ink);font-weight:600}.qa-footnote{margin-top:30px}.qa-sources{font-size:12px;color:var(--muted)}.qa-sources a{text-decoration:underline}.qa [hidden]{display:none!important}@media(max-width:640px){.qa-groups{grid-template-columns:1fr;gap:20px}.qa-nav{gap:8px}.qa-nav a{font-size:12px;padding:10px 12px}.qa-group summary{font-size:15px}.qa-group{scroll-margin-top:15px}}

.messaging{grid-column:1/-1;border-top:1px solid var(--line);padding-top:36px}.messaging-heading h3{font-size:25px;margin:0 0 12px}.messaging-heading p{font-size:14px;margin:0}.messaging-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-top:26px;max-width:800px}.messaging-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px;text-align:center}.messaging-card-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;text-align:left}.messaging-card h4{font-size:22px;margin:0;color:var(--ink)}.messaging-card-heading>span{font-size:11px;letter-spacing:1px;color:var(--muted)}.qr-frame{background:#fff;width:216px;max-width:100%;margin:24px auto 12px;padding:8px}.qr-frame img{display:block;width:100%;height:auto;image-rendering:pixelated}.qr-owner{font-family:Georgia,serif;font-size:18px!important;color:var(--ink);margin:0 0 8px}.messaging-description{font-size:13px;min-height:44px;margin:0 0 20px}.messaging-open{width:100%;justify-content:center;min-height:48px}@media(max-width:640px){.messaging{padding-top:28px}.messaging-heading h3{font-size:23px}.messaging-grid{grid-template-columns:1fr;gap:18px}.messaging-card{padding:24px}.messaging-description{min-height:0}.qr-frame{width:216px}}

.hero-photo>img{object-position:50% 50%}@media(max-width:640px){.hero-photo>img{object-position:50% 50%;height:auto;aspect-ratio:4/3}}

/* Separate audience pages share navigation and contact details. */
.audience-tabs{max-width:1184px;margin:0 auto 28px;padding:8px;display:flex;gap:8px;background:#eef0e8;border:1px solid var(--line);border-radius:10px}.audience-tabs a{flex:1;text-align:center;padding:12px 8px;border-radius:6px;white-space:nowrap}.audience-tabs a[aria-current="page"]{background:var(--ink);color:white}.audience-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.audience-choice{display:flex;flex-direction:column;padding:28px;background:#eef0e8;border:1px solid var(--line);border-radius:8px}.audience-choice p{flex:1}.audience-choice:hover{border-color:var(--ink)}.audience-hero{padding-top:30px;padding-bottom:30px}.audience-hero h1{max-width:850px}.audience-hero p{max-width:680px}.audience-hero+.library{padding-top:20px}body[data-categories] .filter-row{justify-content:flex-end}body[data-categories] .qa{border-top:1px solid var(--line)}
@media(max-width:800px){.audience-tabs{margin:0 20px 24px;gap:2px;padding:4px;font-size:14px}.audience-tabs a{padding:12px 4px}.audience-grid{grid-template-columns:repeat(2,1fr);gap:12px}.audience-choice{padding:22px}.audience-hero h1{font-size:32px}}
@media(max-width:460px){.audience-grid{grid-template-columns:1fr}.audience-hero .hero-actions{align-items:flex-start;flex-direction:column;gap:16px}.audience-tabs{margin-left:16px;margin-right:16px}}

.quick-questions{max-width:1184px;margin:0 auto 32px;padding:20px 24px;background:#edf0e8;border-radius:8px;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.quick-questions p{grid-column:1/-1;margin:0;font-size:13px}.quick-questions a{display:flex;justify-content:space-between;gap:16px;padding:14px;background:var(--paper);border:1px solid var(--line);border-radius:6px;font-size:15px}.quick-questions a:hover{border-color:var(--ink)}.answer-source,.qa-reviewed{font-size:12px;color:var(--muted)}.answer-source a{text-decoration:underline;text-underline-offset:3px}.qa details[id]{scroll-margin-top:24px}
@media(max-width:800px){.quick-questions{margin:0 20px 24px;grid-template-columns:1fr;padding:16px}.quick-questions a{font-size:14px}}

/* Homepage service directory: quiet typography and full-row links. */
.audience-choices .audience-heading{display:flex;align-items:baseline;justify-content:space-between;gap:24px;margin-bottom:32px}.audience-heading h2{font-size:30px;letter-spacing:-.5px;margin:0}.audience-heading p{font-size:14px;margin:0}.audience-choices .audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 56px;border-top:1px solid #b5c0b7}.audience-choices .audience-choice{display:flex;flex-direction:row;align-items:center;justify-content:space-between;gap:24px;padding:30px 0;border:0;border-bottom:1px solid #d3d9d1;border-radius:0;background:transparent;transition:color .2s}.audience-choice-copy{min-width:0}.audience-choice .audience-label{display:block;color:#6a756e;font-size:11px;letter-spacing:1.5px;margin-bottom:10px}.audience-choice h3{font-size:24px;line-height:1.4;font-weight:600;letter-spacing:-.3px;margin:0 0 8px}.audience-choice p{font-size:14px;line-height:1.7;margin:0;max-width:350px}.audience-arrow{flex:none;width:24px;height:24px;color:var(--ink);transition:transform .2s}.audience-arrow svg{display:block;width:24px;height:24px}.audience-choices .audience-choice:hover{color:#42644d}.audience-choice:hover .audience-arrow{transform:translateX(4px)}.audience-choice:focus-visible{outline-offset:6px}
@media(max-width:800px){.audience-choices .audience-heading{display:block;margin-bottom:24px}.audience-heading h2{font-size:26px;margin-bottom:8px}.audience-choices .audience-grid{grid-template-columns:1fr;gap:0}.audience-choices .audience-choice{padding:24px 0;gap:22px}.audience-choice h3{font-size:22px}.audience-choice p{font-size:14px}.audience-choice .audience-label{margin-bottom:7px}}
@media(prefers-reduced-motion:reduce){.audience-arrow,.audience-choice{transition:none}.audience-choice:hover .audience-arrow{transform:none}}

/* Government assistance is an editorial guide within first-home resources. */
.scheme-entry{border-block:1px solid var(--line,#d8ddd4);padding-block:24px;margin-block:12px 32px}.scheme-entry h2{font-size:clamp(22px,3vw,30px);margin:10px 0}.scheme-entry a{text-decoration:none}.scheme-entry p{margin-bottom:0}.scheme-guide{max-width:1120px;padding-block:36px;border-top:1px solid #d8ddd4}.scheme-guide>p{max-width:78ch}.scheme-guide h2{font-size:clamp(25px,3.2vw,36px);line-height:1.4}.scheme-guide p{line-height:1.9}.scheme-comparison{display:grid;grid-template-columns:1fr 1fr;gap:48px;margin:32px 0}.scheme-comparison article{border-top:3px solid #193f35;padding-top:18px}.scheme-comparison h3{font-size:27px;margin:0 0 12px}.scheme-comparison dt{font-weight:700;margin-top:20px}.scheme-comparison dd{margin:6px 0 0;line-height:1.8}.scheme-intro{min-height:3.8em}.scheme-note,.scheme-sources{font-size:14px;color:#5e6b63}.scheme-sources a{text-underline-offset:4px}.funding-breakdown{max-width:640px;margin:28px 0}.funding-breakdown>div{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid #d8ddd4}.funding-breakdown dd{margin:0;font-variant-numeric:tabular-nums}.funding-total{font-weight:700}.scheme-table-wrap{overflow-x:auto;margin:26px 0}.scheme-table{width:100%;max-width:760px;border-collapse:collapse;font-variant-numeric:tabular-nums}.scheme-table caption{text-align:left;font-size:14px;padding:0 0 14px;color:#5e6b63}.scheme-table th,.scheme-table td{text-align:left;padding:16px 12px;border-bottom:1px solid #d8ddd4}.scheme-table thead{background:#edf0e8}.scheme-guide .qa-group{max-width:900px}@media(max-width:640px){.scheme-comparison{grid-template-columns:1fr;gap:30px}.scheme-intro{min-height:0}.scheme-guide{padding-block:28px}.scheme-table th,.scheme-table td{padding:14px 7px;font-size:14px}.scheme-guide .hero-actions{align-items:flex-start}.scheme-entry{margin-inline:20px}.scheme-entry.section{padding-inline:0}}

/* Language navigation stays visible at every screen size. */
header .language-switch{display:flex;align-items:center;gap:8px;font-size:13px;white-space:nowrap;flex:none;order:3}header .language-switch a{display:inline-flex;align-items:center;justify-content:center;min-width:36px;min-height:44px;color:var(--muted)}header .language-switch a[aria-current="page"]{color:var(--ink);font-weight:700;text-decoration:underline;text-underline-offset:5px}header .language-switch>span{color:#a0aaa2}html[lang="en-AU"] h1,html[lang="en-AU"] h2{letter-spacing:-.5px}html[lang="en-AU"] .type-cover strong{font-size:24px}html[lang="en-AU"] .audience-tabs{flex-wrap:wrap;gap:6px}html[lang="en-AU"] .audience-tabs a{white-space:normal;text-align:center}html[lang="en-AU"] .hero-actions{flex-wrap:wrap}html[lang="en-AU"] .messaging-card-heading{flex-wrap:wrap}html[lang="en-AU"] .scheme-table th,html[lang="en-AU"] .scheme-table td{overflow-wrap:normal}@media(max-width:900px){header{flex-wrap:wrap}header .language-switch{margin-left:auto}html[lang="en-AU"] header nav[aria-label="Main navigation"]{display:none}}@media(max-width:640px){header .language-switch{order:0;margin-left:auto;gap:4px}header .booking{order:4;width:100%;text-align:center}html[lang="en-AU"] .audience-tabs a{font-size:12px;padding:10px 7px;flex:1 1 auto}html[lang="en-AU"] .brand small{letter-spacing:.3px;font-size:9px}html[lang="en-AU"] h1{font-size:32px;line-height:1.25}html[lang="en-AU"] .scheme-comparison h3{font-size:25px}html[lang="en-AU"] .mobile-cta a{font-size:12px;padding:7px;text-align:center}html[lang="en-AU"] .about-photo figcaption{flex-wrap:wrap}}
.dialog-top .language-switch{display:flex;align-items:center;gap:8px;font-size:13px;white-space:nowrap;margin-right:auto}.dialog-top .language-switch a{display:inline-flex;align-items:center;min-height:44px;padding:0 6px}.dialog-top .language-switch a[aria-current="page"]{font-weight:700;text-decoration:underline;text-underline-offset:4px}@media(max-width:640px){.dialog-top>span{display:none}}

/* Keep the information notice readable and separate from licence details. */
footer .footer-disclosure{flex-basis:100%;max-width:850px}footer .footer-disclosure h2{font-size:16px;letter-spacing:0;margin:0 0 12px}footer .footer-disclosure p{font-size:14px;line-height:1.85;margin:0 0 10px}footer .footer-disclosure p:last-child{margin-bottom:0}footer .footer-licence{flex-basis:100%;font-size:12px;line-height:1.8;color:var(--muted);border-top:1px solid var(--line);padding-top:20px}footer .photo-credit{margin-top:0}