:root {
  --blue: #0369a1;
  --navy: #0f172a;
  --ink: #020617;
  --text: #475569;
  --orange: #ea580c;
  --green: #10b981;
  --bg: #f1f5f9;
  --line: #dbe4ee;
  --white: #fff;
  --shadow: 0 18px 60px rgba(15, 23, 42, .11);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Inter Tight", Inter, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.62;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
a:hover { color: var(--blue); }
.text-link { color: #0ea5e9; font-weight: 800; text-decoration: underline; text-underline-offset: 3px; }

.container { width: min(1180px, calc(100% - 32px)); margin: 0 auto; }
.topbar {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .92);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}
.nav {
  min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 18px;
}
.brand { display: flex; align-items: center; gap: 12px; font-family: "Cabinet Grotesk", Arial, sans-serif; font-weight: 800; color: var(--ink); }
.brand-mark { width: 42px; height: 42px; border-radius: 8px; background: var(--blue); display: grid; place-items: center; color: #fff; font-weight: 900; }
.nav-links { display: flex; align-items: center; gap: 16px; font-size: 14px; color: var(--navy); }
.nav-links a { padding: 8px 0; }

.button {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 44px; padding: 12px 18px; border-radius: 8px; border: 1px solid transparent;
  background: var(--orange); color: #fff; font-family: "Cabinet Grotesk", Arial, sans-serif; font-weight: 800;
  cursor: pointer; transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.button:hover { color: #fff; transform: translateY(-1px); box-shadow: 0 12px 30px rgba(234, 88, 12, .22); }
.button.secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.button.secondary:hover { color: var(--blue); box-shadow: 0 12px 30px rgba(15, 23, 42, .08); }
.button.blue { background: var(--blue); }

.hero { padding: 44px 0 18px; background: linear-gradient(180deg, #fff 0%, var(--bg) 100%); }
.hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: 36px; align-items: center; }
.eyebrow { color: var(--blue); font-weight: 800; text-transform: uppercase; letter-spacing: .08em; font-size: 13px; }
h1, h2, h3 { font-family: "Cabinet Grotesk", Arial, sans-serif; color: var(--ink); line-height: 1.08; letter-spacing: 0; }
h1 { font-size: clamp(42px, 6vw, 78px); margin: 14px 0 18px; }
h2 { font-size: clamp(30px, 4vw, 48px); margin: 0 0 18px; }
h3 { font-size: 24px; margin: 0 0 10px; }
.lead { font-size: 20px; color: #334155; max-width: 760px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0; }
.trust { display: flex; flex-wrap: wrap; gap: 10px; padding: 0; margin: 0; list-style: none; }
.trust li { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 8px 12px; font-size: 14px; color: var(--navy); }
.hero-panel { background: #fff; border: 1px solid var(--line); border-radius: 8px; box-shadow: var(--shadow); overflow: hidden; }
.hero-panel picture { aspect-ratio: 16 / 10; background: #dceaf2; }
.hero-panel img, .grid-2 picture img { width: 100%; height: 100%; object-fit: cover; }
.mini-form { padding: 20px; display: grid; gap: 12px; }

.section { padding: 72px 0; }
.section#kalkulator { padding-top: 42px; }
.section.white { background: #fff; }
.section.dark { background: var(--navy); color: #dbeafe; }
.section.dark h2, .section.dark h3 { color: #fff; }
.intro { max-width: 860px; margin-bottom: 30px; }
.kicker-intro {
  margin: 0 0 18px;
  padding: 16px 18px;
  border-left: 4px solid var(--orange);
  background: #fff7ed;
  color: #7c2d12;
  border-radius: 0 8px 8px 0;
  font-size: 18px;
}

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 22px; box-shadow: 0 10px 26px rgba(15, 23, 42, .05); }
.metric { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 18px; }
.metric strong { display: block; color: var(--ink); font-size: 30px; font-family: "Cabinet Grotesk", Arial, sans-serif; }
.note { border-left: 4px solid var(--green); padding: 14px 18px; background: #ecfdf5; color: #064e3b; border-radius: 0 8px 8px 0; }
.disclaimer {
  margin: 0;
  padding: 13px 15px;
  border: 1px solid #fed7aa;
  background: #fff7ed;
  color: #7c2d12;
  border-radius: 8px;
  font-size: 14px;
  line-height: 1.5;
}

.calculator { display: grid; grid-template-columns: .9fr 1.1fr; gap: 24px; align-items: start; }
.steps { display: grid; gap: 16px; }
.step { border: 1px solid var(--line); background: #fff; border-radius: 8px; padding: 18px; }
.step-title { display: flex; gap: 10px; align-items: center; margin-bottom: 12px; font-weight: 800; color: var(--ink); }
.step-title span { width: 30px; height: 30px; border-radius: 8px; background: var(--blue); color: #fff; display: grid; place-items: center; }
.options { display: flex; flex-wrap: wrap; gap: 10px; }
.option input { position: absolute; opacity: 0; pointer-events: none; }
.option span {
  display: inline-flex; align-items: center; justify-content: center; min-height: 40px;
  padding: 9px 13px; border: 1px solid var(--line); border-radius: 8px; background: #f8fafc; color: var(--navy); cursor: pointer;
}
.option input:checked + span { background: #e0f2fe; border-color: var(--blue); color: var(--blue); font-weight: 800; }
.results { position: sticky; top: 94px; display: grid; gap: 16px; }
.result-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.bar-chart { height: 220px; display: flex; align-items: end; gap: 12px; padding: 16px; border-radius: 8px; border: 1px solid var(--line); background: #f8fafc; }
.bar { flex: 1; min-height: 16px; border-radius: 8px 8px 0 0; background: var(--blue); position: relative; }
.bar:nth-child(2) { background: var(--green); }
.bar:nth-child(3) { background: var(--orange); }
.bar small { position: absolute; bottom: -28px; left: 0; right: 0; text-align: center; color: var(--text); }

table { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--line); border-radius: 8px; overflow: hidden; }
th, td { padding: 13px 14px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { background: #e2e8f0; color: var(--ink); font-family: "Cabinet Grotesk", Arial, sans-serif; }
tr:last-child td { border-bottom: 0; }
.table-wrap { overflow-x: auto; border-radius: 8px; }

input, textarea, select {
  width: 100%; border: 1px solid var(--line); border-radius: 8px; padding: 12px 13px;
  font: inherit; color: var(--navy); background: #fff;
}
textarea { min-height: 112px; resize: vertical; }
label { display: grid; gap: 6px; color: var(--navy); font-weight: 700; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.checkbox { display: flex; gap: 10px; align-items: flex-start; font-weight: 500; color: var(--text); }
.checkbox input { width: auto; margin-top: 6px; }
.hidden-field { position: absolute; left: -9999px; }
.offer-form { display: grid; gap: 18px; }
.offer-form h4 {
  margin: 0 0 12px;
  color: var(--ink);
  font-family: "Cabinet Grotesk", Arial, sans-serif;
  font-size: 20px;
}
.form-section {
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fafc;
}
.choice-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.offer-form .checkbox {
  min-height: 44px;
  align-items: center;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--navy);
}
.offer-form .checkbox input {
  margin-top: 0;
  flex: 0 0 auto;
}

.cta-band { background: var(--blue); color: #e0f2fe; padding: 32px; border-radius: 8px; display: flex; justify-content: space-between; align-items: center; gap: 18px; }
.cta-band h2, .cta-band h3 { color: #fff; margin-bottom: 6px; }
.cta-band .button { flex: 0 0 auto; }
.source-section { padding: 42px 0; background: #f8fafc; border-top: 1px solid var(--line); }
.source-section h3 { margin-bottom: 8px; }
.source-section p { max-width: 780px; margin-top: 0; }
.source-links { display: flex; flex-wrap: wrap; gap: 12px; }
.source-links a {
  display: inline-flex;
  padding: 10px 13px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--blue);
  font-weight: 800;
}

.answer-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
details { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 16px 18px; }
summary { cursor: pointer; color: var(--ink); font-weight: 800; font-family: "Cabinet Grotesk", Arial, sans-serif; }

.footer { background: #020617; color: #cbd5e1; padding: 54px 0 24px; }
.footer h3 { color: #fff; font-size: 20px; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .8fr .8fr; gap: 28px; }
.footer a { display: block; padding: 5px 0; color: #cbd5e1; }
.footer .footer-cta {
  display: inline-flex;
  margin-top: 10px;
  color: #fff;
  padding: 12px 18px;
  text-align: center;
  line-height: 1.2;
}
.footer-bottom { border-top: 1px solid #1e293b; margin-top: 34px; padding-top: 18px; font-size: 14px; }

@media (max-width: 980px) {
  .hero-grid, .grid-2, .calculator, .footer-grid { grid-template-columns: 1fr; }
  .results { position: static; }
  .nav { align-items: flex-start; padding: 14px 0; }
  .nav-links { display: none; }
}
@media (max-width: 680px) {
  .grid-3, .answer-list, .result-grid, .form-grid, .choice-grid { grid-template-columns: 1fr; }
  .cta-band { display: grid; }
  h1 { font-size: 40px; }
  .section { padding: 52px 0; }
  .section#kalkulator { padding-top: 34px; }
}