/*
Theme Name: QCE Financial
Theme URI: https://qcefinancial.com.au
Author: QCE Financial
Author URI: https://qcefinancial.com.au
Description: A professional mortgage broker theme for QCE Financial — Sydney's trusted mortgage brokers. Features responsive layout, loan calculator, services grid, contact form, and full-width hero. Quick, Clear & Easy.
Version: 1.0.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: qce-financial
Tags: business, finance, mortgage, one-page, responsive, custom-logo, custom-menu, full-width-template, translation-ready
*/

/* Reset */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{
  --blue:#1E5FA8;--blue-dark:#154080;--blue-light:#E8F1FB;
  --orange:#F6821F;--orange-dark:#D96A0A;--orange-light:#FEF3E8;
  --dark:#1A2035;--gray:#6B7280;--light:#F7F9FC;--white:#fff;
  --radius:12px;--radius-sm:8px;--shadow:0 4px 24px rgba(30,95,168,.10);
  --font:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--dark);background:var(--white);line-height:1.6}
a{text-decoration:none;color:inherit}
img{max-width:100%;height:auto;display:block}
ul{list-style:none}

/* NAV */
#masthead{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid #E5EAF3;padding:0 1.5rem}
.nav-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:68px}
.site-branding{display:flex;align-items:center;gap:10px}
.custom-logo{width:42px;height:42px;object-fit:contain}
.site-title{font-size:1.15rem;font-weight:700;color:var(--blue);margin:0}
.site-title a{color:var(--blue)}
#primary-navigation ul{display:flex;gap:1.5rem}
#primary-navigation ul li a{font-size:.9rem;font-weight:500;color:var(--gray);transition:color .2s}
#primary-navigation ul li a:hover{color:var(--blue)}
.nav-cta{background:var(--orange);color:var(--white)!important;padding:.55rem 1.2rem;border-radius:50px;font-size:.88rem;font-weight:600;transition:background .2s;white-space:nowrap}
.nav-cta:hover{background:var(--orange-dark)!important}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px;background:none;border:none}
.hamburger span{display:block;width:24px;height:2px;background:var(--dark);border-radius:2px;transition:.3s}
.mobile-menu{display:none;position:fixed;top:68px;left:0;right:0;background:var(--white);border-bottom:1px solid #E5EAF3;padding:1rem 1.5rem;z-index:99}
.mobile-menu.open{display:block}
.mobile-menu a{display:block;padding:.75rem 0;border-bottom:1px solid #f0f2f7;font-weight:500;color:var(--dark)}
.mobile-menu .mobile-cta{color:var(--orange);font-weight:700}

/* HERO */
.hero-section{background:linear-gradient(135deg,#EBF2FB 0%,#FEF3E8 100%);padding:5rem 1.5rem 4rem}
.hero-inner{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:var(--orange-light);color:var(--orange-dark);font-size:.8rem;font-weight:600;padding:.35rem .9rem;border-radius:50px;margin-bottom:1.2rem;border:1px solid #F6C48F}
.badge-dot{width:8px;height:8px;background:var(--orange);border-radius:50%}
.hero-section h1{font-size:clamp(2rem,4vw,3rem);font-weight:800;line-height:1.15;color:var(--dark);margin-bottom:1rem}
.hero-section h1 .highlight{color:var(--orange)}
.hero-desc{font-size:1.05rem;color:var(--gray);margin-bottom:2rem;max-width:480px}
.btn-group{display:flex;gap:.75rem;flex-wrap:wrap}
.btn-primary{background:var(--orange);color:var(--white);padding:.8rem 1.8rem;border-radius:50px;font-weight:700;font-size:.95rem;transition:all .2s;border:none;cursor:pointer;display:inline-block}
.btn-primary:hover{background:var(--orange-dark);color:var(--white);transform:translateY(-1px)}
.btn-secondary{background:var(--white);color:var(--blue);padding:.8rem 1.8rem;border-radius:50px;font-weight:700;font-size:.95rem;border:2px solid var(--blue);transition:all .2s;cursor:pointer;display:inline-block}
.btn-secondary:hover{background:var(--blue-light);color:var(--blue)}
.hero-visual{display:flex;justify-content:center}
.hero-card{background:var(--white);border-radius:20px;padding:2rem;box-shadow:var(--shadow);width:100%;max-width:360px}
.hero-card h3{font-size:1rem;color:var(--gray);margin-bottom:1.2rem}
.loan-types{display:grid;grid-template-columns:1fr 1fr;gap:.6rem}
.loan-pill{display:flex;align-items:center;gap:8px;background:var(--light);padding:.6rem .9rem;border-radius:50px;font-size:.82rem;font-weight:600;color:var(--dark);cursor:pointer;transition:all .2s;border:2px solid transparent}
.loan-pill:hover,.loan-pill.active{background:var(--blue-light);border-color:var(--blue);color:var(--blue)}
.loan-pill .dot{width:8px;height:8px;border-radius:50%;background:var(--orange);flex-shrink:0}
.hero-card-cta{display:block;text-align:center;margin-top:1.2rem;background:var(--orange);color:var(--white);padding:.7rem 1rem;border-radius:50px;font-weight:700;font-size:.88rem;transition:background .2s}
.hero-card-cta:hover{background:var(--orange-dark);color:var(--white)}
.trust-row{display:flex;gap:1.5rem;margin-top:2.5rem;flex-wrap:wrap}
.trust-item{text-align:center}
.trust-item strong{display:block;font-size:1.6rem;font-weight:800;color:var(--blue)}
.trust-item span{font-size:.78rem;color:var(--gray);font-weight:500}

/* SECTION BASE */
section{padding:4.5rem 1.5rem}
.sec-inner{max-width:1100px;margin:0 auto}
.sec-label{display:inline-block;background:var(--blue-light);color:var(--blue);font-size:.75rem;font-weight:700;padding:.3rem .85rem;border-radius:50px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.8rem}
.sec-title{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;color:var(--dark);margin-bottom:.6rem}
.sec-sub{color:var(--gray);max-width:560px;font-size:1rem}
.sec-head{margin-bottom:2.5rem}

/* SERVICES */
.services-section{background:var(--light)}
.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.25rem}
.service-card{background:var(--white);border-radius:var(--radius);padding:1.6rem;border:1px solid #E5EAF3;transition:all .25s;cursor:pointer}
.service-card:hover{border-color:var(--orange);box-shadow:var(--shadow);transform:translateY(-3px)}
.svc-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:1rem;font-size:1.4rem}
.svc-icon.blue{background:var(--blue-light)}
.svc-icon.orange{background:var(--orange-light)}
.service-card h3{font-size:1.05rem;font-weight:700;margin-bottom:.4rem}
.service-card p{font-size:.88rem;color:var(--gray);line-height:1.55}

/* HOW IT WORKS */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:2rem}
.step{text-align:center;padding:2rem 1.5rem;border-radius:var(--radius);background:var(--white);border:1px solid #E5EAF3}
.step-num{width:52px;height:52px;border-radius:50%;background:var(--blue);color:var(--white);font-size:1.3rem;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 1rem}
.step-num.orange{background:var(--orange)}
.step h3{font-size:1rem;font-weight:700;margin-bottom:.4rem}
.step p{font-size:.88rem;color:var(--gray)}

/* WHY QCE */
.why-section{background:var(--blue);color:var(--white)}
.why-section .sec-title{color:var(--white)}
.why-section .sec-sub{color:rgba(255,255,255,.75)}
.why-section .sec-label{background:rgba(255,255,255,.15);color:var(--white)}
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.25rem}
.why-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius);padding:1.5rem}
.why-card strong{display:block;font-size:1.8rem;font-weight:800;color:var(--orange);margin-bottom:.3rem}
.why-card h4{font-size:.95rem;font-weight:700;margin-bottom:.3rem}
.why-card p{font-size:.84rem;color:rgba(255,255,255,.75)}
.lenders-panel{margin-top:2.5rem;background:rgba(255,255,255,.08);border-radius:var(--radius);padding:1.5rem;text-align:center}
.lenders-panel p{font-size:.9rem;color:rgba(255,255,255,.8);margin-bottom:1rem}
.lender-logos{display:flex;flex-wrap:wrap;gap:.6rem;justify-content:center}
.lender-tag{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.2);padding:.35rem .9rem;border-radius:50px;font-size:.78rem;font-weight:600;color:var(--white)}

/* CALCULATOR */
.calculator-section{background:var(--light)}
.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;align-items:start}
.calc-form{background:var(--white);border-radius:var(--radius);padding:2rem;border:1px solid #E5EAF3;box-shadow:var(--shadow)}
.calc-result{background:var(--blue);border-radius:var(--radius);padding:2rem;color:var(--white)}
.calc-result h3{font-size:1rem;color:rgba(255,255,255,.8);margin-bottom:.3rem}
.big{font-size:2.5rem;font-weight:800;color:var(--white);margin-bottom:1.5rem}
.result-row{display:flex;justify-content:space-between;padding:.6rem 0;border-bottom:1px solid rgba(255,255,255,.15);font-size:.88rem}
.result-row:last-of-type{border:none}
.result-row span:first-child{color:rgba(255,255,255,.75)}
.result-row span:last-child{font-weight:600}
.result-cta{display:block;text-align:center;background:var(--orange);color:var(--white);padding:.8rem 1rem;border-radius:50px;font-weight:700;margin-top:1.5rem;font-size:.9rem;transition:background .2s}
.result-cta:hover{background:var(--orange-dark);color:var(--white)}
label{display:block;font-size:.85rem;font-weight:600;color:var(--dark);margin-bottom:.4rem}
.field{margin-bottom:1.2rem}
input[type=range]{width:100%;accent-color:var(--orange);margin:.3rem 0}
.range-vals{display:flex;justify-content:space-between;font-size:.75rem;color:var(--gray)}
.input-wrap{position:relative}
.prefix{position:absolute;left:.9rem;top:50%;transform:translateY(-50%);color:var(--gray);font-weight:600}
.input-wrap input{width:100%;padding:.65rem .9rem .65rem 1.8rem;border:1.5px solid #D1D9E8;border-radius:var(--radius-sm);font-size:.95rem;outline:none;transition:border .2s;font-family:var(--font)}
.input-wrap input:focus{border-color:var(--blue)}
.calc-form select{width:100%;padding:.65rem .9rem;border:1.5px solid #D1D9E8;border-radius:var(--radius-sm);font-size:.95rem;outline:none;background:var(--white);transition:border .2s;font-family:var(--font)}
.calc-form select:focus{border-color:var(--blue)}
.calc-btn{width:100%;padding:.85rem;background:var(--orange);color:var(--white);border:none;border-radius:50px;font-size:1rem;font-weight:700;cursor:pointer;transition:background .2s;margin-top:.5rem;font-family:var(--font)}
.calc-btn:hover{background:var(--orange-dark)}
.disclaimer{font-size:.75rem;color:var(--gray);margin-top:.8rem;text-align:center;line-height:1.5}

/* ABOUT */
.about-section{background:var(--blue-light)}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.about-text p{color:var(--gray);margin-bottom:1rem}
.accreditations{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.accred-card{background:var(--white);border-radius:var(--radius);padding:1.5rem;border:1px solid #D0DFF5;text-align:center}
.accred-title{font-size:2rem;font-weight:800;color:var(--blue)}
.accred-title.orange{color:var(--orange)}
.accred-sub{font-size:.8rem;color:var(--gray);margin-top:.3rem}

/* TESTIMONIALS */
.testimonials-section{background:var(--light)}
.test-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.25rem}
.test-card{background:var(--white);border-radius:var(--radius);padding:1.6rem;border:1px solid #E5EAF3}
.stars{color:var(--orange);font-size:1rem;margin-bottom:.8rem}
.test-card blockquote{font-size:.9rem;color:var(--gray);line-height:1.65;margin-bottom:1rem;font-style:italic;border:none;padding:0}
.test-author{display:flex;align-items:center;gap:10px}
.avatar{width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700;color:var(--white);flex-shrink:0}
.avatar.blue{background:var(--blue)}
.avatar.orange{background:var(--orange)}
.avatar.green{background:#1A7A4A}
.test-author-name{font-size:.88rem;font-weight:700}
.test-author-meta{font-size:.78rem;color:var(--gray)}

/* CONTACT */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;align-items:start}
.contact-detail{display:flex;align-items:center;gap:12px;margin-bottom:1rem}
.cd-icon{width:42px;height:42px;background:var(--blue-light);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.cd-text strong{display:block;font-size:.85rem;font-weight:700}
.cd-text span{font-size:.85rem;color:var(--gray)}
.contact-form-wrap{background:var(--white);border-radius:var(--radius);padding:2rem;border:1px solid #E5EAF3;box-shadow:var(--shadow)}
.contact-form-wrap h3{font-size:1.1rem;font-weight:700;margin-bottom:1.5rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.cf-input{width:100%;padding:.65rem .9rem;border:1.5px solid #D1D9E8;border-radius:var(--radius-sm);font-size:.9rem;outline:none;font-family:var(--font);transition:border .2s;background:var(--white)}
.cf-input:focus{border-color:var(--blue)}
textarea.cf-input{resize:vertical;min-height:100px}
.form-field{margin-top:.75rem}
.submit-btn{width:100%;padding:.85rem;background:var(--orange);color:var(--white);border:none;border-radius:50px;font-size:1rem;font-weight:700;cursor:pointer;margin-top:.5rem;transition:background .2s;font-family:var(--font)}
.submit-btn:hover{background:var(--orange-dark)}
.success-msg{display:none;background:#E8F8F0;color:#1A7A4A;border-radius:var(--radius-sm);padding:.8rem 1rem;font-size:.88rem;font-weight:600;margin-top:.75rem;text-align:center}

/* FOOTER */
#colophon{background:var(--dark);color:rgba(255,255,255,.7);padding:3rem 1.5rem 1.5rem}
.footer-inner{max-width:1100px;margin:0 auto}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem;margin-bottom:2.5rem}
.footer-brand p{font-size:.85rem;margin-top:.75rem;line-height:1.7;max-width:260px}
.footer-logo-wrap{display:flex;align-items:center;gap:10px}
.footer-logo-wrap span{font-weight:700;color:white;font-size:1.05rem}
.footer-logo-img{width:32px;height:32px;object-fit:contain}
.footer-col h4{font-size:.88rem;font-weight:700;color:var(--white);margin-bottom:.8rem}
.footer-col a{display:block;font-size:.83rem;margin-bottom:.5rem;transition:color .2s;color:rgba(255,255,255,.7)}
.footer-col a:hover{color:var(--orange)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:1.25rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.75rem;font-size:.78rem}

/* WP STANDARD */
.skip-link{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip-link:focus{left:6px;top:7px;width:auto;height:auto;background:var(--blue);color:white;padding:8px 16px;border-radius:4px;z-index:999}
.alignleft{float:left;margin-right:1.5em}
.alignright{float:right;margin-left:1.5em}
.aligncenter{display:block;margin:0 auto}
.screen-reader-text{clip:rect(1px,1px,1px,1px);position:absolute!important;height:1px;width:1px;overflow:hidden}

/* BLOG */
.blog-container{max-width:1100px;margin:0 auto;padding:3rem 1.5rem;display:grid;grid-template-columns:2fr 1fr;gap:2rem}
.post-card{background:var(--white);border:1px solid #E5EAF3;border-radius:var(--radius);overflow:hidden;margin-bottom:2rem;transition:box-shadow .2s}
.post-card:hover{box-shadow:var(--shadow)}
.post-card-inner{padding:1.5rem}
.post-meta{font-size:.8rem;color:var(--gray);margin-bottom:.5rem}
.entry-title{font-size:1.25rem;font-weight:700;margin-bottom:.5rem}
.entry-title a{color:var(--dark)}
.entry-title a:hover{color:var(--blue)}
.entry-summary{color:var(--gray);font-size:.9rem;margin-bottom:1rem}
.read-more{font-size:.85rem;font-weight:600;color:var(--orange)}
.sidebar-widget{background:var(--white);border:1px solid #E5EAF3;border-radius:var(--radius);padding:1.5rem;margin-bottom:1.5rem}
.sidebar-widget h3{font-size:1rem;font-weight:700;margin-bottom:1rem;color:var(--dark)}

/* RESPONSIVE */
@media(max-width:768px){
  #primary-navigation,.nav-cta{display:none}
  .hamburger{display:flex}
  .hero-inner{grid-template-columns:1fr}
  .hero-visual{display:none}
  .trust-row{gap:1rem}
  .calc-wrap,.contact-grid,.about-grid{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr}
  .blog-container{grid-template-columns:1fr}
}
@media(max-width:480px){
  .footer-top{grid-template-columns:1fr}
  .btn-group{flex-direction:column}
  .btn-primary,.btn-secondary{text-align:center}
}