/* FCMM reference-matched content system beneath the retained Australia-network Hero. */
#reference-home.fcmm-reference-shell { display:block; overflow:hidden; background:#fff; line-height:1.35; }
.nh-home { --red:#d60818; --red-bright:#f02a39; --ink:#0b0b0d; --paper:#fbfbfa; --line:#e7e4e4; --white:#fff; --muted:#5b5b5c; --display:Georgia,'Times New Roman',serif; --ui:'DM Sans',Arial,Helvetica,sans-serif; background:var(--paper); color:var(--ink); font-family:var(--ui); }
.nh-home * { box-sizing:border-box; }.nh-home a { color:inherit; text-decoration:none; }.nh-wrap { width:min(100% - 72px,1050px); margin-inline:auto; }.nh-kicker { margin:0 0 9px; color:var(--red); font-size:9px; font-weight:800; letter-spacing:.31em; line-height:1.15; text-transform:uppercase; }.nh-display { margin:0; font-family:var(--display); font-size:clamp(31px,3.1vw,48px); font-weight:400; letter-spacing:-.058em; line-height:.91; }.nh-display em { color:var(--red); font-style:normal; }.nh-copy { margin:15px 0; color:#484849; font-size:12px; line-height:1.45; }.nh-button { display:inline-flex; align-items:center; justify-content:center; gap:18px; min-height:39px; padding:0 23px; border:1px solid transparent; border-radius:999px; background:linear-gradient(110deg,#df0a19,#b20816); color:#fff; font-size:11px; font-weight:750; transition:transform .18s ease,filter .18s ease; }.nh-button:hover { filter:brightness(1.1); transform:translateY(-2px); }.nh-button.outline { color:var(--ink); border-color:var(--red); background:transparent; }.nh-button.dark { color:#fff; background:#0b0b0d; }.nh-button svg,.nh-arrow { width:17px; height:17px; fill:none; stroke:currentColor; stroke-width:1.6; }.nh-section { position:relative; overflow:hidden; padding:clamp(48px,6.5vw,82px) 0; }.nh-section.dark { color:#fff; background:#09090a; }.nh-section.dark .nh-copy { color:#d2d2d2; }.nh-section.dark .nh-display { color:#fff; }

/* Curving red technical filaments shared by white and dark panels. */
.nh-filigree { position:absolute; pointer-events:none; opacity:.88; }.nh-filigree::before,.nh-filigree::after { content:''; position:absolute; border-radius:50%; }.nh-filigree.right { width:340px; height:420px; right:-145px; top:-86px; background:repeating-radial-gradient(ellipse at 15% 75%,transparent 0 12px,rgba(215,8,24,.68) 13px 14px,transparent 15px 23px); transform:rotate(-21deg); mask-image:linear-gradient(90deg,transparent 0,#000 40%); }.nh-filigree.left { width:450px; height:230px; left:-155px; bottom:-135px; background:repeating-radial-gradient(ellipse at 60% 30%,transparent 0 11px,rgba(236,22,39,.7) 12px 13px,transparent 14px 21px); transform:rotate(4deg); mask-image:linear-gradient(0deg,transparent 0,#000 38%); }.nh-filigree.dark-right { width:440px; height:430px; right:-170px; bottom:-230px; background:repeating-radial-gradient(ellipse at 30% 15%,transparent 0 10px,rgba(237,35,51,.68) 11px 12px,transparent 13px 20px); transform:rotate(-25deg); mask-image:radial-gradient(ellipse,#000 18%,transparent 70%); }

/* Broker partnership opening */
.nh-partnership { min-height:278px; background:linear-gradient(112deg,#fff 0%,#fbfbfb 57%,#f2f2f2 100%); }.nh-partnership .nh-wrap { display:grid; grid-template-columns:1.05fr 1fr; gap:74px; align-items:center; min-height:172px; }.nh-partnership .nh-display { font-size:clamp(35px,3.8vw,56px); }.nh-feature-stack { display:grid; gap:22px; position:relative; z-index:1; }.nh-feature { display:grid; grid-template-columns:39px 1fr; gap:13px; align-items:start; }.nh-feature svg { width:30px; height:30px; padding:7px; border-radius:50%; color:#242426; background:#fff; box-shadow:0 5px 17px rgba(0,0,0,.06); fill:none; stroke:currentColor; stroke-width:1.6; }.nh-feature b { display:block; margin-top:1px; font-size:11px; }.nh-feature p { margin:3px 0 0; color:#606062; font-size:9px; }.nh-partnership-mark { position:absolute; z-index:1; right:45px; top:49%; color:#757578; font-size:8px; font-weight:800; letter-spacing:.32em; line-height:1.9; text-align:center; text-transform:uppercase; }

/* Products */
.nh-products { padding-block:43px; }.nh-products .nh-wrap { display:grid; grid-template-columns:1.04fr 1.92fr; gap:35px; align-items:center; }.nh-products .nh-display { font-size:clamp(34px,3.6vw,53px); }.nh-products .nh-copy { max-width:288px; color:#c7c7c7; }.nh-product-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:10px; }.nh-product-card { display:flex; min-height:169px; flex-direction:column; padding:20px 15px 15px; border:1px solid #242426; border-radius:5px; background:#161617; transition:border-color .18s ease,transform .18s ease; }.nh-product-card:hover { border-color:var(--red); transform:translateY(-4px); }.nh-product-card svg { width:29px; height:29px; color:var(--red-bright); fill:none; stroke:currentColor; stroke-width:1.65; }.nh-product-card b { display:block; margin-top:16px; font-size:11px; }.nh-product-card p { margin:5px 0; color:#c7c7c7; font-size:9px; line-height:1.25; }.nh-product-card span { display:grid; width:25px; height:25px; place-items:center; margin-top:auto; border:1px solid #969696; border-radius:50%; color:#fff; font-size:15px; }.nh-slide-dots { display:flex; gap:6px; align-items:center; margin-top:16px; }.nh-slide-dots span { display:block; width:31px; height:2px; background:#626266; }.nh-slide-dots span:first-child { background:var(--red); }.nh-slide-dots small { margin-left:auto; color:#9a9a9a; font-size:8px; }

/* Process */
.nh-process { min-height:276px; background:linear-gradient(170deg,#fff 0%,#fcfcfb 70%,#f0f0ee); }.nh-process::after { content:''; position:absolute; inset:auto -10% 0 0; height:96px; background:repeating-radial-gradient(ellipse at 52% 200%,transparent 0 9px,rgba(146,146,146,.14) 10px 11px,transparent 12px 17px); }.nh-process .nh-wrap { position:relative; z-index:1; display:grid; grid-template-columns:.95fr 1.55fr; gap:58px; align-items:center; }.nh-process .nh-display { font-size:clamp(34px,3.6vw,52px); }.nh-process-track { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; }.nh-step { position:relative; padding-top:7px; }.nh-step:not(:last-child)::after { content:'→'; position:absolute; right:-14px; top:21px; color:#969698; }.nh-step-icon { display:grid; width:56px; height:56px; place-items:center; border-radius:50%; background:#fff; box-shadow:0 7px 24px rgba(0,0,0,.06); }.nh-step-icon svg { width:24px; height:24px; color:var(--red); fill:none; stroke:currentColor; stroke-width:1.55; }.nh-step b { display:block; margin-top:12px; font-size:10px; }.nh-step small { display:block; margin-top:4px; color:#626264; font-size:8px; line-height:1.25; }.nh-process-note { position:absolute; z-index:1; right:5%; bottom:21px; color:#767679; font-size:8px; font-weight:700; letter-spacing:.25em; text-align:right; }

/* Impact metrics */
.nh-impact { padding-block:36px; }.nh-impact .nh-wrap { display:grid; grid-template-columns:1.3fr repeat(4,1fr); gap:17px; align-items:center; }.nh-impact .nh-display { font-size:clamp(33px,3.5vw,52px); }.nh-impact-metric { min-height:66px; padding-left:18px; border-left:1px solid #3f3f41; }.nh-impact-metric strong { color:#f14c58; font-family:var(--display); font-size:31px; font-weight:400; letter-spacing:-.04em; }.nh-impact-metric b { display:block; margin-top:5px; font-size:9px; }.nh-impact-metric p { margin:3px 0 0; color:#b9b9bb; font-size:8px; line-height:1.2; }

/* Tools */
.nh-tools { background:#fff; }.nh-tools .nh-wrap { display:grid; grid-template-columns:1.07fr 1.8fr; gap:50px; align-items:center; }.nh-tools .nh-display { font-size:clamp(35px,3.7vw,54px); }.nh-tool-grid { display:grid; grid-template-columns:repeat(3,1fr); }.nh-tool { min-height:171px; padding:17px 20px; border-left:1px solid var(--line); }.nh-tool svg { width:30px; height:30px; color:var(--red); fill:none; stroke:currentColor; stroke-width:1.6; }.nh-tool b { display:block; margin-top:15px; font-size:11px; }.nh-tool p { margin:5px 0; color:#5c5c60; font-size:9px; line-height:1.25; }.nh-tool a { display:grid; width:23px; height:23px; place-items:center; margin-top:19px; border:1px solid #e2b2b6; border-radius:50%; color:var(--red); font-size:14px; }.nh-tool-dots { grid-column:2; display:flex; gap:8px; justify-content:center; margin-top:17px; }.nh-tool-dots span { display:block; width:25px; height:2px; background:#d7d7d7; }.nh-tool-dots span:first-child { background:var(--red); }

/* Difference */
.nh-difference { padding-block:52px; }.nh-difference .nh-wrap { display:grid; grid-template-columns:1.12fr repeat(3,1fr); gap:31px; align-items:center; }.nh-difference .nh-display { font-size:clamp(36px,3.8vw,55px); }.nh-difference-item { min-height:120px; padding-left:19px; border-left:1px solid #4a4a4d; }.nh-difference-item svg { width:31px; height:31px; color:#f13a47; fill:none; stroke:currentColor; stroke-width:1.65; }.nh-difference-item b { display:block; margin-top:15px; color:#fff; font-size:11px; }.nh-difference-item p { margin:5px 0; color:#c2c2c4; font-size:9px; line-height:1.25; }

/* Insights */
.nh-insights { padding-block:48px; background:#fff; }.nh-insights .nh-wrap { display:grid; grid-template-columns:.86fr 1.6fr; gap:42px; align-items:center; }.nh-insights .nh-display { font-size:clamp(35px,3.7vw,53px); }.nh-insight-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:13px; }.nh-insight-card { overflow:hidden; border:1px solid #ececec; border-radius:5px; background:#fff; box-shadow:0 3px 9px rgba(0,0,0,.04); }.nh-insight-art { height:101px; background:#111; }.nh-insight-card:nth-child(1) .nh-insight-art { background:repeating-radial-gradient(ellipse at 100% 0,transparent 0 10px,rgba(242,38,54,.7) 11px 12px,transparent 13px 23px),#0b0b0c; }.nh-insight-card:nth-child(2) .nh-insight-art { background:radial-gradient(ellipse at 15% 0,#f7f7f8 0 12%,transparent 13%),radial-gradient(ellipse at 80% 15%,#dedfe2 0 16%,transparent 17%),linear-gradient(145deg,#f4f4f4,#c7c8cc); }.nh-insight-card:nth-child(3) .nh-insight-art { background:linear-gradient(155deg,transparent 44%,#e31224 45% 46%,transparent 47%),linear-gradient(24deg,transparent 52%,#702027 53% 54%,transparent 55%),#0d0d0e; }.nh-insight-copy { padding:13px 12px 11px; }.nh-insight-copy .nh-kicker { font-size:7px; margin-bottom:7px; }.nh-insight-copy b { display:block; min-height:29px; font-size:10px; line-height:1.15; }.nh-insight-copy small { display:flex; justify-content:space-between; margin-top:10px; color:#7a7a7d; font-size:8px; }

/* Compliance */
.nh-compliance { padding-block:58px; }.nh-compliance .nh-wrap { display:grid; grid-template-columns:1.1fr 1.25fr .55fr; gap:42px; align-items:center; }.nh-compliance .nh-display { font-size:clamp(35px,3.7vw,53px); }.nh-compliance-list { display:grid; gap:4px; }.nh-compliance-list a { display:grid; grid-template-columns:28px 1fr 18px; align-items:center; min-height:39px; border-bottom:1px solid #3b3b3e; color:#efeff0; font-size:10px; }.nh-compliance-list svg { width:17px; height:17px; fill:none; stroke:#dfdfe0; stroke-width:1.5; }.nh-compliance-mantra { min-height:124px; padding-left:22px; border-left:1px solid #666; color:#bcbcbf; font-size:9px; font-weight:800; letter-spacing:.27em; line-height:2.2; }.nh-compliance-mantra span { color:#fff; }

/* Forward CTA and footer */
.nh-forward { min-height:140px; padding-block:28px; background:linear-gradient(108deg,#fff 0%,#fdfdfd 67%,#f0eeee 100%); }.nh-forward .nh-wrap { display:grid; grid-template-columns:1.12fr .95fr auto; gap:24px; align-items:center; }.nh-forward .nh-display { font-size:clamp(40px,4.3vw,63px); }.nh-forward .nh-copy { margin:0; font-size:11px; }.nh-forward-actions { display:flex; gap:10px; }.nh-footer { padding:38px 0 20px; color:#fff; background:#09090a; }.nh-footer-grid { display:grid; grid-template-columns:1.3fr .82fr 1.13fr 1.18fr; gap:42px; }.nh-footer .official-logo { width:142px; margin-bottom:16px; }.nh-footer-brand p { margin:0; max-width:190px; color:#bebec1; font-size:9px; line-height:1.48; }.nh-social { display:flex; gap:13px; margin-top:18px; }.nh-social span { display:grid; width:17px; height:17px; place-items:center; border:1px solid #777; border-radius:2px; font-size:8px; }.nh-footer h3 { margin:7px 0 12px; color:#fff; font-size:10px; }.nh-footer nav,.nh-footer address { display:grid; gap:5px; color:#d2d2d4; font-size:9px; font-style:normal; }.nh-footer address span { display:flex; gap:8px; }.nh-newsletter p { color:#c4c4c7; font-size:9px; line-height:1.4; }.nh-subscribe { display:flex; overflow:hidden; border:1px solid #3c3c3f; border-radius:4px; }.nh-subscribe input { min-width:0; flex:1; border:0; padding:11px; color:#fff; background:#242427; font:9px var(--ui); }.nh-subscribe button { width:37px; border:0; color:#fff; background:var(--red); font-size:17px; }.nh-footer-bottom { display:flex; justify-content:space-between; gap:16px; margin-top:37px; padding-top:16px; border-top:1px solid #2a2a2c; color:#8f8f93; font-size:8px; }.nh-footer-bottom nav { display:flex; gap:14px; }

@media (max-width:860px) { .nh-wrap { width:min(100% - 40px,680px); }.nh-partnership .nh-wrap,.nh-products .nh-wrap,.nh-process .nh-wrap,.nh-tools .nh-wrap,.nh-insights .nh-wrap,.nh-compliance .nh-wrap { grid-template-columns:1fr; gap:30px; }.nh-partnership-mark { display:none; }.nh-products .nh-copy { max-width:520px; }.nh-product-grid { grid-template-columns:repeat(2,1fr); }.nh-process-track { grid-template-columns:repeat(2,1fr); gap:28px; }.nh-step:not(:last-child)::after { display:none; }.nh-impact .nh-wrap { grid-template-columns:1fr 1fr; }.nh-impact .nh-display { grid-column:1/-1; }.nh-tool-grid { grid-template-columns:repeat(3,1fr); }.nh-difference .nh-wrap { grid-template-columns:1fr 1fr; }.nh-difference .nh-display { grid-column:1/-1; }.nh-insight-grid { grid-template-columns:repeat(3,1fr); }.nh-forward .nh-wrap { grid-template-columns:1fr; }.nh-footer-grid { grid-template-columns:1fr 1fr; }.nh-compliance-mantra { display:none; } }
@media (max-width:540px) { .nh-wrap { width:min(100% - 32px,500px); }.nh-section { padding-block:48px; }.nh-partnership .nh-display,.nh-products .nh-display,.nh-process .nh-display,.nh-tools .nh-display,.nh-difference .nh-display,.nh-insights .nh-display,.nh-compliance .nh-display { font-size:39px; }.nh-feature-stack { gap:16px; }.nh-product-grid,.nh-tool-grid,.nh-insight-grid { grid-template-columns:1fr; }.nh-product-card { min-height:142px; }.nh-product-card p { max-width:230px; }.nh-slide-dots,.nh-tool-dots { display:none; }.nh-process-track { grid-template-columns:1fr 1fr; }.nh-step-icon { width:48px; height:48px; }.nh-impact .nh-wrap { grid-template-columns:1fr 1fr; }.nh-impact-metric { padding-left:12px; }.nh-impact-metric strong { font-size:27px; }.nh-difference .nh-wrap { grid-template-columns:1fr; }.nh-difference-item { padding:14px 0; border-left:0; border-top:1px solid #3d3d3f; }.nh-insights .nh-wrap { gap:24px; }.nh-insight-art { height:128px; }.nh-compliance-list a { font-size:11px; }.nh-forward-actions { flex-direction:column; }.nh-forward-actions .nh-button { width:100%; }.nh-footer-grid { grid-template-columns:1fr; gap:22px; }.nh-footer-bottom { flex-direction:column; }.nh-footer-bottom nav { flex-wrap:wrap; } }


/* Keep the forward CTA's filigree inside its own white panel so it never overlays the Hero. */
.nh-forward { position: relative; overflow: hidden; }