/* ===========================================================================
   Bells Bookkeeping — brand stylesheet (v2, cache-fresh)
   Palette: Navy #0e2a55 / Deep navy #0a1f3f / Gold #e6a417 / Sand #f7f4ee
   =========================================================================== */
:root{
  --navy:#0e2a55;
  --navy-deep:#0a1f3f;
  --navy-700:#13386e;
  --gold:#e6a417;
  --gold-dark:#c98a08;
  --ink:#1c2a3a;
  --muted:#5b6b7d;
  --line:#e3e8ef;
  --sand:#f7f4ee;
  --bg-soft:#f4f7fb;
  --white:#ffffff;
  --radius:14px;
  --radius-sm:9px;
  --shadow:0 12px 30px rgba(14,42,85,.10);
  --shadow-lg:0 22px 50px rgba(10,31,63,.18);
  --maxw:1180px;
  --serif:'Poppins',system-ui,sans-serif;
  --sans:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--sans);color:var(--ink);
  background:var(--white);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.18;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2rem,4.4vw,3.2rem);letter-spacing:-.5px}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.28rem}
p{margin:0 0 1rem}
a{color:var(--navy-700);text-decoration:none;transition:color .15s}
a:hover{color:var(--gold-dark)}
img{max-width:100%;display:block;height:auto}
ul{margin:0 0 1rem;padding-left:1.2rem}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 22px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--navy-deep);padding:10px 16px;z-index:1000;font-weight:600}
.skip-link:focus{left:10px;top:10px;border-radius:8px}

/* ---- Buttons ---- */
.btn{display:inline-flex;align-items:center;gap:.5rem;justify-content:center;font-family:var(--serif);
  font-weight:600;font-size:1rem;padding:.8rem 1.5rem;border-radius:999px;border:2px solid transparent;
  cursor:pointer;transition:.18s transform,.18s box-shadow,.18s background;text-align:center}
.btn:hover{transform:translateY(-2px)}
.btn--gold{background:var(--gold);color:var(--navy-deep);box-shadow:0 8px 20px rgba(230,164,23,.32)}
.btn--gold:hover{background:var(--gold-dark);color:#fff}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:var(--navy-deep);color:#fff}
.btn--outline{background:transparent;border-color:var(--navy);color:var(--navy)}
.btn--outline:hover{background:var(--navy);color:#fff}
.btn--outline-light{background:transparent;border-color:rgba(255,255,255,.7);color:#fff}
.btn--outline-light:hover{background:#fff;color:var(--navy)}
.btn--lg{padding:1rem 1.9rem;font-size:1.08rem}

/* ---- Topbar ---- */
.topbar{background:var(--navy-deep);color:#cdd9ec;font-size:.86rem}
.topbar__inner{display:flex;align-items:center;gap:.6rem;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.topbar a{color:#cdd9ec}.topbar a:hover{color:#fff}
.topbar__spacer{flex:1}
.topbar__sep{opacity:.4}
@media(max-width:760px){.topbar__sep,.topbar__spacer{display:none}.topbar__inner{justify-content:center;gap:.4rem 1rem}}

/* ===========================================================================
   HEADER / NAVIGATION  (rebuilt with fresh class names: .bbnav*)
   Submenus are hidden by default and shown ONLY via the .is-open class set by
   JavaScript — one at a time. There is intentionally NO CSS :hover reveal,
   because tap-to-hover sticks open on touch / hybrid screens.
   =========================================================================== */
.site-header{position:sticky;top:0;z-index:900;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);box-shadow:0 2px 14px rgba(14,42,85,.06)}
.site-header__inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:10px;padding-bottom:10px}
.brand img{display:block;width:190px;height:auto;max-width:100%}

.bbnav > ul{display:flex;align-items:center;gap:.3rem;list-style:none;margin:0;padding:0}
.bbnav > ul ul{padding-left:0;margin-bottom:0}
.bbnav>ul>li{list-style:none;margin:0;padding:0;position:relative}
.bbnav a{display:block;padding:.6rem .8rem;font-family:var(--serif);font-weight:600;font-size:.98rem;color:var(--navy);border-radius:8px}
.bbnav a:hover,.bbnav a.is-active{color:var(--gold-dark);background:var(--bg-soft)}
.bbnav-row{display:flex;align-items:center;gap:.1rem}
.bbnav-row>a{flex:1}
.bbnav-caret{font-size:.8rem;line-height:1;transition:transform .2s;pointer-events:none}
.bbnav-subtoggle{display:none;align-items:center;justify-content:center;width:40px;height:40px;padding:0;
  border:0;border-radius:8px;background:transparent;color:var(--navy);cursor:pointer;flex-shrink:0}
.bbnav-subtoggle:hover,.bbnav-subtoggle:focus-visible{background:var(--bg-soft);outline:2px solid var(--gold)}
.bbnav-has-sub{position:relative}

/* Submenu panel — HIDDEN by default everywhere (must beat any generic ul rules) */
.bbnav .bbnav-sub{display:none;position:absolute;top:100%;left:0;min-width:230px;max-width:min(280px,calc(100vw - 2rem));
  background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow-lg);
  padding:.5rem;margin:0;list-style:none;flex-direction:column;gap:2px;z-index:960}
.bbnav>ul>li:nth-last-child(-n+5) .bbnav-sub{left:auto;right:0}
.bbnav-sub li{list-style:none;margin:0;padding:0}
.bbnav-sub a{padding:.55rem .7rem;font-weight:500;font-size:.92rem}
.bbnav-sub-all a{font-weight:700;color:var(--navy)}
.bbnav-cta a{margin-left:.4rem}

.bbnav-burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px;z-index:970;position:relative}
.bbnav-burger span{width:26px;height:3px;background:var(--navy);border-radius:3px;transition:.2s}
.bbnav-scrim{display:none;position:fixed;inset:0;background:rgba(10,31,63,.45);z-index:940}
.bbnav-scrim.is-visible{display:block}

/* DESKTOP: one submenu open at a time, revealed only by JS .is-open */
@media (min-width:981px){
  .bbnav-subtoggle{display:none}
  .bbnav-sub-all{display:none}
  .bbnav-has-sub.is-open>.bbnav-sub{display:flex}
}

/* MOBILE: slide-in drawer + tap accordions */
@media (max-width:980px){
  .bbnav-burger{display:flex}
  .bbnav-subtoggle{display:inline-flex}
  .bbnav{position:fixed;inset:0 0 0 28%;background:#fff;transform:translateX(100%);transition:transform .25s;
    box-shadow:var(--shadow-lg);padding:80px 18px 30px;overflow-y:auto;z-index:950;visibility:hidden}
  .bbnav.is-open-nav{transform:translateX(0);visibility:visible}
  .bbnav > ul{flex-direction:column;align-items:stretch;gap:.1rem}
  .bbnav-row{border-radius:8px}
  .bbnav-sub{position:static;box-shadow:none;border:0;border-left:2px solid var(--line);
    border-radius:0;margin:.2rem 0 .4rem .6rem;padding:.2rem 0 .4rem;max-width:none}
  .bbnav-has-sub.is-open>.bbnav-sub{display:flex}
  .bbnav-has-sub.is-open .bbnav-caret{transform:rotate(180deg)}
  .bbnav-cta a{margin:.6rem 0 0}
  .bbnav-lock{overflow:hidden}
}

/* ---- Hero ---- */
.hero{position:relative;background-color:var(--navy-deep);background-image:linear-gradient(115deg,rgba(10,31,63,.90) 0%,rgba(19,56,110,.82) 100%);background-size:cover;background-position:center;color:#fff;overflow:hidden}
.hero[style*="--hero-bg"]{background-image:linear-gradient(115deg,rgba(10,31,63,.90) 0%,rgba(19,56,110,.82) 100%),var(--hero-bg)}
.hero__inner{display:grid;grid-template-columns:1.05fr .95fr;gap:2.5rem;align-items:center;padding:64px 0 70px}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--gold);font-weight:700;letter-spacing:1.5px;text-transform:uppercase;font-size:.82rem;font-family:var(--serif)}
.hero p.lead{font-size:1.18rem;color:#dbe6f5;max-width:36ch}
.hero__cta{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.4rem}
.hero__media img{border-radius:18px;box-shadow:var(--shadow-lg)}
.hero__trust{display:flex;gap:1.4rem;flex-wrap:wrap;margin-top:1.8rem;font-size:.92rem;color:#cdd9ec}
.hero__trust strong{color:#fff;display:block;font-size:1.5rem;font-family:var(--serif)}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:340px;height:340px;border-radius:50%;
  background:radial-gradient(circle,rgba(230,164,23,.22),transparent 70%)}
@media(max-width:880px){.hero__inner{grid-template-columns:1fr;gap:1.6rem;padding:42px 0 48px}.hero__media{order:-1}}

/* ---- Sections ---- */
.section{padding:68px 0}
.section--soft{background:var(--bg-soft)}
.section--sand{background:var(--sand)}
.section--navy{background:var(--navy-deep);color:#e7eefb}
.section--navy h2,.section--navy h3{color:#fff}
.section-head{max-width:760px;margin:0 auto 2.6rem;text-align:center}
.section-head .eyebrow{color:var(--gold-dark);font-weight:700;letter-spacing:1.5px;text-transform:uppercase;font-size:.8rem;font-family:var(--serif)}
.section-head p{color:var(--muted);font-size:1.08rem}
.eyebrow{display:block;margin-bottom:.4rem}

/* ---- Grid helpers ---- */
.grid{display:grid;gap:1.5rem}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

/* ---- Cards ---- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow);
  transition:.2s transform,.2s box-shadow;height:100%}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card .ico{width:52px;height:52px;border-radius:12px;background:linear-gradient(135deg,var(--gold),var(--gold-dark));
  display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:1rem;color:#fff}
.card h3{margin-bottom:.4rem}
.card p{color:var(--muted);margin-bottom:.8rem;font-size:.98rem}
.card a.more{font-weight:600;font-family:var(--serif);font-size:.92rem}
.card--link{display:block;color:inherit}

/* feature media row */
.feature{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;align-items:center}
.feature img{border-radius:var(--radius);box-shadow:var(--shadow)}
.feature.reverse .feature__text{order:2}
@media(max-width:820px){.feature{grid-template-columns:1fr;gap:1.4rem}.feature.reverse .feature__text{order:0}}

/* check list */
.checklist{list-style:none;padding:0;margin:1rem 0}
.checklist li{position:relative;padding:.35rem 0 .35rem 2rem;color:var(--ink)}
.checklist li::before{content:"✓";position:absolute;left:0;top:.35rem;width:1.3rem;height:1.3rem;
  background:rgba(230,164,23,.15);color:var(--gold-dark);border-radius:50%;display:flex;align-items:center;
  justify-content:center;font-weight:700;font-size:.8rem}
.section--navy .checklist li{color:#dbe6f5}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;text-align:center}
.stat .num{font-family:var(--serif);font-weight:800;font-size:2.4rem;color:var(--gold)}
.stat .lbl{color:var(--muted);font-size:.95rem}
.section--navy .stat .lbl{color:#cdd9ec}
@media(max-width:700px){.stats{grid-template-columns:repeat(2,1fr)}}

/* breadcrumbs */
.crumbs{background:var(--bg-soft);border-bottom:1px solid var(--line);font-size:.86rem}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;margin:0;padding:12px 0}
.crumbs li::after{content:"›";margin-left:.4rem;color:var(--muted)}
.crumbs li:last-child::after{content:""}
.crumbs a{color:var(--muted)}

/* page hero (interior) */
.page-hero{position:relative;background-color:var(--navy-deep);background-image:linear-gradient(115deg,rgba(10,31,63,.90) 0%,rgba(19,56,110,.82) 100%);background-size:cover;background-position:center;color:#fff;padding:54px 0}
.page-hero[style*="--hero-bg"]{background-image:linear-gradient(115deg,rgba(10,31,63,.90) 0%,rgba(19,56,110,.82) 100%),var(--hero-bg)}
.page-hero .container{position:relative;z-index:1}
.page-hero h1{color:#fff;margin-bottom:.4rem}
.page-hero p{color:#dbe6f5;max-width:60ch;font-size:1.1rem;margin:0}
.page-hero .eyebrow{color:var(--gold)}
@media(max-width:600px){.page-hero{padding:42px 0}}

/* prose */
.prose{max-width:820px;margin:0 auto}
.prose h2{margin-top:2rem}
.prose h3{margin-top:1.4rem;color:var(--navy-700)}
.prose ul{margin-bottom:1.2rem}
.prose li{margin-bottom:.35rem}
.prose blockquote{border-left:4px solid var(--gold);background:var(--sand);margin:1.6rem 0;padding:1rem 1.4rem;
  border-radius:0 10px 10px 0;font-size:1.08rem;color:var(--navy-700)}
.layout{display:grid;grid-template-columns:1fr 300px;gap:2.5rem;align-items:start}
@media(max-width:900px){.layout{grid-template-columns:1fr}}
.sidebar{position:sticky;top:90px}
.sidebar .card{padding:1.3rem}

/* testimonials */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.quote p{font-size:1.02rem;color:var(--ink);font-style:italic}
.quote .who{font-weight:700;color:var(--navy);font-family:var(--serif);font-style:normal;margin-top:.6rem}
.quote .stars{color:var(--gold);letter-spacing:2px}

/* FAQ accordion */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.8rem;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:1.1rem 1.3rem;font-family:var(--serif);
  font-weight:600;font-size:1.05rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:1rem}
.faq-q::after{content:"+";color:var(--gold-dark);font-size:1.4rem;line-height:1}
.faq-item.open .faq-q::after{content:"–"}
.faq-a{padding:0 1.3rem;max-height:0;overflow:hidden;transition:.25s;color:var(--muted)}
.faq-item.open .faq-a{padding:0 1.3rem 1.2rem;max-height:600px}

/* tag / pill */
.pill{display:inline-block;background:rgba(230,164,23,.15);color:var(--gold-dark);font-weight:600;
  font-size:.78rem;padding:.25rem .7rem;border-radius:999px;font-family:var(--serif);letter-spacing:.3px}
.pill--navy{background:rgba(14,42,85,.08);color:var(--navy-700)}

/* suburb chips */
.chips{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0;margin:1.2rem 0}
.chips a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem;
  font-size:.9rem;font-weight:500;color:var(--navy-700)}
.chips a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;align-items:start}
@media(max-width:820px){.contact-grid{grid-template-columns:1fr}}
.field{margin-bottom:1rem}
.field label{display:block;font-weight:600;font-family:var(--serif);font-size:.92rem;margin-bottom:.3rem;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:.8rem 1rem;border:1px solid var(--line);border-radius:10px;
  font-family:var(--sans);font-size:1rem;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.contact-cards .card{display:flex;gap:1rem;align-items:flex-start}
.contact-cards .ico{flex:0 0 auto;margin-bottom:0}

/* CTA band */
.cta-band{background:linear-gradient(115deg,var(--navy),var(--navy-deep));color:#fff;padding:54px 0}
.cta-band__inner{display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.3rem}
.cta-band p{color:#dbe6f5;margin:0;max-width:48ch}
.cta-band__actions{display:flex;gap:.8rem;flex-wrap:wrap}

/* Footer */
.site-footer{background:var(--navy-deep);color:#b9c7dc;font-size:.95rem}
.site-footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:2rem;padding:54px 0 30px}
.site-footer h3{color:#fff;font-size:1.05rem;margin-bottom:.8rem}
.site-footer ul{list-style:none;padding:0;margin:0 0 .6rem}
.site-footer li{margin-bottom:.45rem}
.site-footer a{color:#b9c7dc}.site-footer a:hover{color:var(--gold)}
.footer-logo{background:#fff;border-radius:10px;padding:8px 12px;margin-bottom:1rem}
.footer-badge{font-size:.86rem;color:#8fa3bf;border-left:3px solid var(--gold);padding-left:.7rem}
.footer-contact-h{margin-top:1.2rem}
.site-footer__bottom{border-top:1px solid rgba(255,255,255,.1)}
.site-footer__bottom-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.5rem 1.2rem;padding:16px 0;font-size:.86rem}
.site-footer__bottom-inner>p{margin:0}
.footer__legal{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.footer__credit{color:#8fa3bf;margin:0}
.footer__credit a{color:#c5d4ea;font-weight:600;text-decoration:underline;text-underline-offset:2px;text-decoration-color:rgba(197,212,234,.55);transition:color .15s,text-decoration-color .15s}
.footer__credit a:hover{color:var(--gold);text-decoration-color:var(--gold)}
.footer__build{display:inline-flex;align-items:center;gap:8px;padding:6px 12px;border-radius:999px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.04);color:#8ea3c4;font-size:.85rem;transition:border-color .15s,background .15s,color .15s}
.footer__build strong{color:#d5e0f0;font-weight:700}
.footer__build-icon{width:14px;height:14px;color:var(--gold);flex-shrink:0}
.footer__build:hover{color:#fff;border-color:rgba(230,164,23,.45);background:rgba(230,164,23,.1)}
.footer__build:hover .footer__build-icon{color:#fff}
@media(max-width:880px){.site-footer__grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.site-footer__grid{grid-template-columns:1fr}}

/* floating call btn (mobile) */
.float-call{display:none;position:fixed;right:18px;bottom:18px;width:56px;height:56px;border-radius:50%;
  background:var(--gold);color:var(--navy-deep);font-size:1.5rem;align-items:center;justify-content:center;
  box-shadow:var(--shadow-lg);z-index:800}
@media(max-width:980px){.float-call{display:flex}}

/* utilities */
.text-center{text-align:center}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.lead{font-size:1.15rem;color:var(--muted)}
.divider{height:1px;background:var(--line);margin:2.4rem 0}
.badge-row{display:flex;gap:1rem;flex-wrap:wrap;align-items:center;margin-top:1rem}
.badge-row .pill{font-size:.85rem;padding:.4rem .9rem}