/* ============================================================
   NPIT FEES — cream-first palette, coral energy, black accents
   ============================================================ */
:root{
  --ink:#16181D;--ink-soft:#20242B;--paper:#F4F2ED;--paper-dim:#EBE8E0;--card:#FFFFFF;
  --coral:#FF6B57;--coral-deep:#E5533F;--coral-tint:rgba(255,107,87,.08);
  --line:rgba(22,24,29,.14);--line-light:rgba(244,242,237,.16);
  --head:'Oswald',sans-serif;--body:'Inter',sans-serif;
  --s1:8px;--s2:16px;--s3:24px;--s4:32px;--s5:40px;--s6:48px;--s8:64px;--s10:80px;--s12:96px;--s15:120px;
}
*{margin:0;padding:0;box-sizing:border-box}
body{background:var(--paper);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
::selection{background:var(--coral);color:var(--ink)}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button{font:inherit;background:none;border:none;color:inherit;cursor:pointer}
h1,h2,h3{font-family:var(--head);text-transform:uppercase;line-height:1;letter-spacing:.005em}
.wrap{max-width:1280px;margin:0 auto;padding:0 var(--s5)}
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:12.5px;font-weight:600;letter-spacing:.3em;text-transform:uppercase;color:var(--coral-deep);margin-bottom:var(--s3)}
.eyebrow::before{content:"";width:36px;height:1.5px;background:var(--coral)}
.lede{font-size:clamp(17px,1.4vw,20px);max-width:600px;color:rgba(22,24,29,.72)}
[data-reveal]{opacity:0;will-change:transform,opacity}
html.no-motion [data-reveal]{opacity:1!important;transform:none!important}
.layer{position:absolute;inset:0;pointer-events:none;will-change:transform}
span.layer{inset:auto}
.giant{font-family:var(--head);font-weight:700;line-height:.8;font-size:clamp(140px,24vw,380px);color:transparent;-webkit-text-stroke:1.5px rgba(22,24,29,.07);position:absolute;user-select:none}
.deco{position:absolute;border-radius:50%;pointer-events:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--head);font-weight:600;letter-spacing:.12em;text-transform:uppercase;font-size:14px;padding:15px 32px;border-radius:999px;will-change:transform}
.btn-solid{background:var(--coral);color:var(--ink)}
.btn-solid:hover{background:var(--coral-deep)}
.btn-dark{background:var(--ink);color:var(--paper)}
.btn-dark:hover{background:#000}
.btn-ghost{border:1.5px solid rgba(22,24,29,.3);color:var(--ink)}
.btn-ghost:hover{border-color:var(--coral);color:var(--coral-deep)}
.btn-ghost.on-dark{border-color:var(--line-light);color:var(--paper)}
.btn-ghost.on-dark:hover{border-color:var(--coral);color:var(--coral)}
.site-header{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;align-items:center;justify-content:space-between;padding:10px var(--s5);background:rgba(244,242,237,.85);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.brand img{height:76px;width:auto}
@media (max-width:560px){.brand img{height:56px}}
.main-nav>ul{display:flex;gap:var(--s4);align-items:center}
.main-nav a{font-size:13.5px;font-weight:500;letter-spacing:.06em;text-transform:uppercase;padding:var(--s1) 2px;position:relative;white-space:nowrap}
.main-nav a::after{content:"";position:absolute;left:0;bottom:-2px;width:100%;height:2px;background:var(--coral);transform:scaleX(0);transform-origin:left;transition:transform .35s cubic-bezier(.22,1,.36,1)}
.main-nav a:hover::after,.main-nav a:focus-visible::after,.main-nav a[aria-current]::after{transform:scaleX(1)}
.nav-item{position:relative}
.nav-item>a .chev{font-size:9px;color:var(--coral-deep);margin-left:4px}
.dropdown{position:absolute;top:calc(100% + 14px);left:50%;transform:translate(-50%,8px);min-width:236px;background:var(--ink);color:var(--paper);border-radius:6px;padding:var(--s1) 0;box-shadow:0 24px 60px rgba(0,0,0,.3);opacity:0;visibility:hidden;transition:opacity .3s,transform .3s,visibility .3s}
.dropdown::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{opacity:1;visibility:visible;transform:translate(-50%,0)}
.dropdown a{display:block;padding:10px var(--s3);text-transform:none;letter-spacing:.01em;font-size:14.5px;font-weight:500;color:var(--paper)}
.dropdown a::after{display:none}
.dropdown a:hover,.dropdown a:focus-visible,.dropdown a.active,.dropdown a[aria-current]{color:var(--coral);background:rgba(255,107,87,.15)}
.dropdown .ext{font-size:11px;color:var(--coral);margin-left:6px}
.header-cta{display:flex;align-items:center;gap:var(--s3)}
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:var(--s1)}
.nav-toggle span{display:block;width:26px;height:2px;background:var(--ink)}
.crumbs{padding:calc(96px + var(--s4)) 0 0}
.crumbs ol{display:flex;gap:8px;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:rgba(22,24,29,.55);list-style:none}
.crumbs a:hover{color:var(--coral-deep)}
.crumbs li+li::before{content:"/";margin-right:8px;color:rgba(22,24,29,.3)}

/* ---------- hero ---------- */
#fees-hero{position:relative;overflow:hidden;padding:var(--s6) 0 var(--s10)}
#fees-hero .giant{top:2%;right:3%}
.hero-cols{display:grid;grid-template-columns:1.1fr .9fr;gap:var(--s8);align-items:center;position:relative;z-index:2}
.hero-cols h1{font-size:clamp(40px,5.4vw,76px);font-weight:700}
.hero-cols h1 em{font-style:normal;color:var(--coral-deep)}
.hero-actions{display:flex;gap:var(--s3);flex-wrap:wrap;align-items:center;margin-top:var(--s5)}
.trust-row{display:flex;gap:var(--s2);flex-wrap:wrap;margin-top:var(--s5)}
.trust-chip{display:inline-flex;align-items:center;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:9px 18px;font-size:12.5px;font-weight:600;letter-spacing:.04em}
.trust-chip i{width:8px;height:8px;border-radius:50%;background:var(--coral);flex:0 0 auto}
.senior-ribbon{
  background:var(--ink);color:var(--paper);border-radius:16px;padding:var(--s5);position:relative;overflow:hidden;
}
.senior-ribbon span.tag{position:absolute;top:16px;right:-38px;background:var(--coral);color:var(--ink);font-family:var(--head);font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;padding:6px 44px;transform:rotate(35deg)}
.senior-ribbon h3{font-size:22px;font-weight:600;color:var(--paper);margin-bottom:10px;max-width:80%}
.senior-ribbon p{font-size:14px;color:rgba(244,242,237,.7);margin-bottom:14px}
.senior-ribbon .pct{font-family:var(--head);font-size:56px;font-weight:700;color:var(--coral);line-height:1}

/* ---------- section scaffolding ---------- */
.svc-section{position:relative;overflow:hidden;padding:var(--s12) 0}
.svc-section.tint{background:var(--coral-tint)}
.svc-section.dim{background:var(--paper-dim)}
.svc-section h2{font-size:clamp(32px,4.4vw,60px);font-weight:600}
.sec-head{max-width:720px;margin-bottom:var(--s6);position:relative;z-index:2}

/* ---------- payment methods marquee (reused mechanic, new theme) ---------- */
.pay-marquee{background:var(--ink);color:var(--paper);padding:16px 0;overflow:hidden}
.pay-track{display:flex;width:max-content;will-change:transform;font-family:var(--head);font-weight:700;font-size:clamp(15px,1.9vw,22px);letter-spacing:.16em;text-transform:uppercase;white-space:nowrap}
.pay-track b{display:inline-flex;align-items:center;gap:26px;padding-right:26px;font-weight:700;color:var(--paper)}
.pay-track em{font-style:normal;color:var(--coral)}
.pay-track i{font-style:normal;font-size:12px;opacity:.55}

/* ---------- health fund logo wall (transitional scroll) ---------- */
.funds-band{background:var(--ink);color:var(--paper);padding:var(--s10) 0;overflow:hidden;position:relative}
.funds-head{display:flex;align-items:flex-end;justify-content:space-between;gap:var(--s4);flex-wrap:wrap;position:relative;z-index:2}
.funds-head h2{font-size:clamp(28px,3.6vw,46px);color:var(--paper)}
.funds-head p{font-size:14.5px;color:rgba(244,242,237,.65);max-width:420px}
.marquee{overflow:hidden;margin-top:var(--s6);
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
          mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-track{display:flex;gap:var(--s3);width:max-content;will-change:transform;padding:2px 0}
.fund{
  flex:0 0 auto;min-width:200px;height:88px;padding:0 var(--s3);
  border-radius:10px;background:#fff;border:1px solid var(--line-light);
  display:flex;align-items:center;justify-content:center;
}
.fund img{max-height:68px;max-width:180px;width:100%;object-fit:contain}
.funds-note{margin-top:var(--s3);font-size:12px;color:rgba(244,242,237,.4);text-align:center;position:relative;z-index:2}
@media (max-width:560px){.fund{min-width:180px;height:76px}}

/* ---------- signature: price tabs ---------- */
.price-tabs{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:var(--s5);position:relative;z-index:2}
.ptab{
  font-family:var(--head);font-size:13px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;
  padding:12px 22px;border-radius:999px;border:1.5px solid var(--line);background:var(--card);
  transition:background .3s,color .3s,border-color .3s;
}
.ptab.on{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.ptab:not(.on):hover{border-color:var(--coral)}
.price-panels{position:relative;z-index:2}
.ppanel{display:none}
.ppanel.on{display:block}
.price-table{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden}
.price-table tr{border-bottom:1px solid var(--line)}
.price-table tr:last-child{border-bottom:none}
.price-table td{padding:18px 24px;font-size:15.5px}
.price-table td:first-child{font-weight:500}
.price-table td:last-child{text-align:right;font-family:var(--head);font-weight:700;color:var(--coral-deep);white-space:nowrap}
.price-table tr.note td{font-size:13px;color:rgba(22,24,29,.55);font-style:italic;font-weight:400;padding-top:4px;padding-bottom:14px}
.price-table tr.note td:last-child{color:rgba(22,24,29,.55);font-family:var(--body);font-weight:400}
.price-note{margin-top:var(--s3);font-size:13px;color:rgba(22,24,29,.55)}

/* ---------- anchor sub-sections (workcover / ctp / private-health) ---------- */
.fee-topic{border-top:1px solid var(--line);padding-top:var(--s8);margin-top:var(--s8);position:relative;z-index:2}
.fee-topic:first-of-type{border-top:none;margin-top:0}
.fee-topic-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:var(--s6);align-items:start}
.fee-topic ul.check-list{margin-top:var(--s3);display:grid;gap:10px}
.fee-topic ul.check-list li{display:flex;gap:12px;align-items:flex-start;font-size:15px;font-weight:500}
.fee-topic ul.check-list li::before{content:"✓";flex:0 0 20px;height:20px;border-radius:50%;background:var(--coral);color:var(--ink);font-size:10px;font-weight:700;display:flex;align-items:center;justify-content:center;margin-top:2px}
.fee-side{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:var(--s4)}
.fee-side h4{font-family:var(--head);font-size:15px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:var(--s3)}
.fee-side ol{display:grid;gap:10px;counter-reset:fstep;margin-bottom:var(--s3);list-style:none;padding-left:0}
.fee-side ol li{position:relative;padding-left:30px;font-size:14px;color:rgba(22,24,29,.72);counter-increment:fstep}
.fee-side ol li::before{content:counter(fstep);position:absolute;left:0;top:-1px;width:22px;height:22px;border-radius:50%;background:var(--coral);color:var(--ink);font-family:var(--head);font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center}
@media (max-width:1080px){.fee-topic-grid{grid-template-columns:1fr}}

/* ---------- FAQ ---------- */
.faq{max-width:840px;position:relative;z-index:2}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin-bottom:var(--s2);overflow:hidden}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:var(--s3);padding:20px var(--s4);font-family:var(--head);font-size:17px;font-weight:600;letter-spacing:.03em;text-transform:uppercase}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ind{color:var(--coral-deep);font-size:22px;line-height:1;transition:transform .3s}
.faq details[open] summary .ind{transform:rotate(45deg)}
.faq details p{padding:0 var(--s4) var(--s3);font-size:15px;color:rgba(22,24,29,.72)}
.faq details[open]{border-color:var(--coral)}

/* ---------- CTA band ---------- */
.cta-band{display:flex;align-items:center;justify-content:space-between;gap:var(--s4);flex-wrap:wrap;border:1px solid var(--line);border-radius:12px;padding:var(--s4) var(--s5);margin-top:var(--s8);position:relative;z-index:2;background:var(--card)}
.cta-band h3{font-size:clamp(22px,2.2vw,30px);font-weight:600;margin-bottom:6px}
.cta-band p{font-size:14.5px;opacity:.7;max-width:460px}
.cta-band-actions{display:flex;gap:var(--s2);flex-wrap:wrap}

/* ---------- big CTA ---------- */
#fees-cta{position:relative;overflow:hidden;background:var(--coral);color:var(--ink);text-align:center;padding:var(--s15) 0}
#fees-cta h2{font-size:clamp(36px,5vw,68px)}
#fees-cta p{max-width:520px;margin:var(--s3) auto var(--s5);color:rgba(22,24,29,.75)}
#fees-cta .cta-actions{display:flex;gap:var(--s3);justify-content:center;flex-wrap:wrap}
#fees-cta .alt{margin-top:var(--s3);font-size:14px}
#fees-cta .alt a{border-bottom:1.5px solid var(--ink);font-weight:600}

/* ---------- floating + mobile CTAs ---------- */
.float-book{position:fixed;right:var(--s4);bottom:var(--s4);z-index:95;opacity:0;pointer-events:none;transform:translateY(18px);transition:opacity .45s,transform .45s cubic-bezier(.22,1,.36,1);box-shadow:0 18px 44px rgba(255,107,87,.35)}
.float-book.show{opacity:1;pointer-events:auto;transform:translateY(0)}
.mob-book{display:none}

/* ---------- footer ---------- */
.site-footer{background:var(--ink);color:var(--paper);padding:var(--s12) 0 var(--s4)}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:var(--s6)}
.foot-brand img{height:72px;margin-bottom:var(--s2)}
.foot-brand p{font-size:14px;color:rgba(244,242,237,.6);max-width:280px}
.foot-brand .tag{font-family:var(--head);text-transform:uppercase;letter-spacing:.2em;color:var(--coral);font-size:13px;margin:var(--s2) 0}
.site-footer h4{font-family:var(--head);font-size:13px;letter-spacing:.26em;text-transform:uppercase;color:rgba(244,242,237,.5);margin-bottom:var(--s3);font-weight:500}
.site-footer li{margin-bottom:10px;font-size:14.5px}
.site-footer li a:hover{color:var(--coral)}
address{font-style:normal;font-size:14.5px;line-height:2}
address a:hover{color:var(--coral)}
.foot-base{margin-top:var(--s8);padding-top:var(--s3);border-top:1px solid var(--line-light);display:flex;justify-content:space-between;gap:var(--s3);flex-wrap:wrap;font-size:12px;color:rgba(244,242,237,.45)}
.socials{display:flex;gap:var(--s2)}
.socials a{border:1px solid var(--line-light);border-radius:50%;width:38px;height:38px;display:flex;align-items:center;justify-content:center;font-size:12px;transition:border-color .3s,color .3s}
.socials a:hover{border-color:var(--coral);color:var(--coral)}

@media (max-width:1080px){
  .hero-cols{grid-template-columns:1fr;gap:var(--s6)}
  .float-book{display:none}
  .mob-book{display:grid;grid-template-columns:1.4fr 1fr;gap:1px;position:fixed;left:0;right:0;bottom:0;z-index:95;background:var(--line);border-top:1px solid var(--line)}
  .mob-book a{display:flex;align-items:center;justify-content:center;gap:8px;padding:18px 8px;font-family:var(--head);font-weight:600;font-size:15px;letter-spacing:.12em;text-transform:uppercase}
  .mob-book .b1{background:var(--coral);color:var(--ink)}
  .mob-book .b2{background:var(--ink);color:var(--paper)}
  body{padding-bottom:60px}
}
@media (max-width:560px){
  .wrap{padding:0 var(--s3)}
  .price-table td{padding:14px 16px;font-size:14px}
}