/* YRA — julkisten sivujen teema */
:root{
  --ink:#0b2545;--ink-l:#13315c;--ink-xl:#1d3f73;
  --parch:#ffffff;--parch-d:#e9effb;--cream:#ffffff;
  --ember:#1f4fd8;--ember-d:#173fb0;--ember-glow:rgba(31,79,216,.09);
  --tint:#f2f6fe;--tint-d:#e4ecfc;
  --sun:#ffc145;
  --t1:#0b1b33;--t2:#2b3a55;--t3:#56627a;--t4:#8a94a8;
  --border:rgba(11,37,69,.09);--border-d:rgba(11,37,69,.16);
  --r:12px;--r-lg:24px;
  --shadow:0 1px 2px rgba(11,37,69,.04),0 12px 40px rgba(11,37,69,.09);
}
body{background:#fff;font-size:16px}
body::before{display:none}
a{color:var(--ember)}

/* ── NAV ── */
nav{height:72px;padding:0 max(1.25rem,calc((100vw - 1340px)/2));background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);position:sticky;top:0;border-bottom:1px solid var(--border)}
nav img.nav-logo,.nav-logo img{height:26px!important}
.nav-links{gap:.25rem}
.nav-links a{font-size:.92rem;font-weight:500;color:var(--t2);padding:.5rem .9rem;border-radius:999px}
.nav-links a:hover,.nav-links a.active{background:var(--tint);color:var(--ink)}
.nav-actions{display:flex;align-items:center;gap:.6rem}
.nav-cta{background:var(--ember);color:#fff;border-radius:999px;padding:.62rem 1.35rem;font-size:.9rem;font-weight:600}
.nav-cta:hover{background:var(--ember-d);color:#fff}
.nav-ghost{display:inline-flex;align-items:center;gap:.4rem;padding:.6rem 1.1rem;border-radius:999px;border:1.5px solid var(--border-d);color:var(--ink);font-size:.9rem;font-weight:600;text-decoration:none}
.nav-ghost:hover{border-color:var(--ink);text-decoration:none}
nav{gap:1rem}
nav a,nav button{white-space:nowrap;flex-shrink:0}
nav>a:first-child{flex-shrink:0}
.nav-links{flex-wrap:nowrap;min-width:0}
nav>div:last-child{display:flex;align-items:center;gap:.6rem;flex-shrink:0}
.nav-call{display:inline-flex;align-items:center;gap:.45rem;padding:.6rem 1rem;border-radius:999px;color:var(--ink);font-size:.9rem;font-weight:700;text-decoration:none;white-space:nowrap;background:var(--tint)}
.nav-call:hover{background:var(--tint-d);text-decoration:none;color:var(--ink)}
.nav-call svg{width:16px;height:16px;color:var(--ember)}
.mobile-nav-drawer{background:#fff}
.mobile-nav-cta-w a,.mobile-nav-cta a{background:var(--ember);color:#fff;border-radius:999px}

/* ── PAINIKKEET (pill) ── */
.btn-pill{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.95rem 1.7rem;border-radius:999px;border:2px solid transparent;font:inherit;font-size:1rem;font-weight:600;line-height:1.2;cursor:pointer;text-decoration:none;transition:background .18s,border-color .18s,color .18s,transform .18s,box-shadow .18s}
.btn-pill:hover{text-decoration:none;transform:translateY(-1px)}
.btn-pill.primary{background:var(--ember);color:#fff;box-shadow:0 8px 22px rgba(31,79,216,.28)}
.btn-pill.primary:hover{background:var(--ember-d);color:#fff}
.btn-pill.ghost{background:#fff;color:var(--ink);border-color:var(--ink)}
.btn-pill.ghost:hover{background:var(--ink);color:#fff}
.btn-pill.dark{background:var(--ink);color:#fff}
.btn-pill.dark:hover{background:var(--ink-l);color:#fff}
.btn-pill.light{background:#fff;color:var(--ink)}
.btn-pill.sm{padding:.65rem 1.2rem;font-size:.9rem}
.btn-pill svg{width:18px;height:18px;flex-shrink:0}
.btn-pill[disabled]{opacity:.6;cursor:wait;transform:none}

/* ── ALASIVUJEN HERO ── */
.hero{background:linear-gradient(180deg,var(--tint) 0%,#fff 100%);padding:4.5rem 1.5rem 6.5rem}
.hero::before,.hero::after{display:none}
.hero-logo{display:none}
.hero h1{color:var(--ink);font-weight:700;letter-spacing:-.035em}
.hero h1 em{font-family:inherit;font-style:normal;font-weight:700;color:var(--ember)}
.hero p,.hero-sub{color:var(--t3)}
.hero-tag{color:var(--ember)}
.hero-marker strong{color:var(--ink)}
.hero-marker span{color:var(--t4)}
.breadcrumb{background:transparent;border:0}
.step-panel .step-title{font-size:1.5rem;margin-bottom:1.5rem;letter-spacing:-.025em}
.step-panel .step-label{margin-bottom:.3rem}

/* ── HAKEMUSLOMAKE ── */
.form-wrap{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow)}
.form-progress{background:#fff;padding-top:1.25rem}
.fp-track{background:var(--tint-d)}
.fp-fill{background:linear-gradient(90deg,var(--ember),#5b86f5);box-shadow:none}
.fp-percent{color:var(--ember)}
.step-label{color:var(--ember)}
.step-title{font-weight:700;color:var(--ink)}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{background:#fff;border-radius:var(--r);border-color:var(--border-d)}
input:focus,select:focus,textarea:focus{background:#fff}
.amount-input{color:var(--ink)!important;min-width:0!important;max-width:100%!important;font-weight:700!important}
.prod-item{background:#fff;border-radius:var(--r)}
.prod-item:hover{background:var(--tint)}
.prod-badge{border-radius:999px}
.term-row{grid-template-columns:repeat(7,1fr)}
.term-pill{background:#fff;border-radius:var(--r)}
input[type=range]{background:var(--tint-d)}
.form-nav{background:#fff}
.btn-fwd{background:var(--ember);color:#fff;border-radius:999px;padding:.8rem 1.9rem;font-size:.95rem}
.btn-fwd:hover{background:var(--ember-d)}
.btn-fwd.submit{background:var(--ink)}
.btn-fwd.submit:hover{background:var(--ink-l)}
.btn-back{border-radius:999px}
.alert-err{border-radius:var(--r)}

/* ── SISÄLTÖ ── */
.content-lead{font-family:inherit;font-style:normal;font-size:1.2rem;color:var(--t2);line-height:1.7}
.content h2{font-size:1.35rem;color:var(--ink);padding-left:0;margin-top:2.75rem}
.content h2::before{display:none}
.content p,.content li{font-size:1rem}
.content li::before{background:var(--ember)}
.section-title{color:var(--ink)}
.card,.other-card,.faq-item{border-radius:var(--r)}
.cta-band,.cta-box{background:var(--ink);border-radius:var(--r-lg);max-width:1100px;margin-left:auto;margin-right:auto}
.cta-band{margin:0 auto 4rem;width:calc(100% - 2.5rem)}
.cta-band::before{display:none}
.cta-band p{color:rgba(255,255,255,.7)}
.cta-band .nav-cta,.btn-cta-big{background:#fff;color:var(--ink);border-radius:999px;font-weight:700}
.cta-band .nav-cta:hover,.btn-cta-big:hover{background:var(--tint);color:var(--ink)}
footer{background:var(--tint);border-top:0;padding:2.25rem 2rem}
.footer-inner{max-width:1100px}
.footer-inner img{height:20px;opacity:.85}
.footer-links a{font-size:.85rem;color:var(--t3)}
.footer-copy{font-size:.8rem}

/* ═════════ ETUSIVU ═════════ */
.wrap{max-width:1180px;margin:0 auto;padding:0 1.25rem}
.home-hero{background:radial-gradient(1200px 520px at 85% -10%,var(--tint-d) 0%,transparent 60%),linear-gradient(180deg,var(--tint) 0%,#fff 92%);padding:3.5rem 0 4rem}
.home-hero .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,540px);gap:3.5rem;align-items:start}
.hh-copy{padding-top:1.5rem;position:sticky;top:96px}
.hh-eyebrow{display:inline-flex;align-items:center;gap:.5rem;padding:.4rem .9rem;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.82rem;font-weight:600;color:var(--ink);margin-bottom:1.4rem}
.hh-eyebrow i{width:8px;height:8px;border-radius:50%;background:#16a34a;display:block}
.home-hero h1{font-size:clamp(2.3rem,4.6vw,3.7rem);font-weight:700;line-height:1.06;letter-spacing:-.04em;color:var(--ink);margin-bottom:1.4rem}
.home-hero h1 span{color:var(--ember)}
.home-hero .hero-sub{margin:0 0 1.6rem;max-width:540px;font-size:1.12rem;line-height:1.65;opacity:1;animation:none}
.home-hero .hero-markers{justify-content:flex-start;gap:2.2rem;margin:1.9rem 0 0;opacity:1;animation:none;flex-wrap:wrap}
.home-hero .hero-marker strong{font-size:1.5rem;font-weight:700}
.hh-points{list-style:none;padding:0;margin:0 0 2rem;display:flex;flex-direction:column;gap:.8rem}
.hh-points li{position:relative;padding-left:2.1rem;font-size:1.08rem;color:var(--t2);line-height:1.5}
.hh-points li::before{content:'';position:absolute;left:0;top:.12rem;width:1.4rem;height:1.4rem;border-radius:50%;background:var(--ember) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/62% no-repeat}
.hh-cta{display:flex;flex-wrap:wrap;gap:.8rem;margin-bottom:1.6rem}
.hh-note{font-size:.88rem;color:var(--t3);max-width:520px;line-height:1.6}
.hh-advisor{display:flex;align-items:center;gap:.85rem;margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--border)}
.hh-advisor img{width:52px;height:52px;border-radius:50%;object-fit:cover;border:2px solid #fff;box-shadow:0 2px 10px rgba(11,37,69,.15)}
.hh-advisor b{display:block;color:var(--ink);font-size:.95rem}
.hh-advisor span{font-size:.86rem;color:var(--t3)}
.hh-advisor a{font-weight:600}
.home-hero .main{max-width:none;margin:0;padding:0}
.home-hero .form-wrap{scroll-margin-top:90px}
#apply,#appForm,#luottoraja,#varaa,.attach-box{scroll-margin-top:96px}

.factbar{border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:#fff}
.factbar .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.fact{padding:1.6rem 1rem;text-align:center;border-left:1px solid var(--border)}
.fact:first-child{border-left:0}
.fact strong{display:block;font-size:1.45rem;font-weight:700;color:var(--ink);letter-spacing:-.02em}
.fact span{font-size:.85rem;color:var(--t3)}

.sec{padding:5rem 0}
.sec.tinted{background:var(--tint)}
.sec-head{max-width:720px;margin:0 auto 2.75rem;text-align:center}
.sec-head.left{margin-left:0;text-align:left}
.sec-eyebrow{font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ember);margin-bottom:.7rem}
.sec-head h2{font-size:clamp(1.7rem,3.2vw,2.5rem);font-weight:700;letter-spacing:-.03em;line-height:1.12;color:var(--ink);margin-bottom:.8rem}
.sec-head p{font-size:1.05rem;color:var(--t3);line-height:1.65}

.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.step3{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);padding:1.9rem 1.7rem}
.step3 .n{width:2.6rem;height:2.6rem;border-radius:50%;background:var(--tint-d);color:var(--ember);font-weight:700;font-size:1.05rem;display:grid;place-items:center;margin-bottom:1.1rem}
.step3 h3{font-size:1.15rem;color:var(--ink);margin-bottom:.45rem;letter-spacing:-.01em}
.step3 p{font-size:.96rem;color:var(--t3);line-height:1.6}

.prod-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}
.prod-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);padding:1.6rem 1.5rem;color:inherit;text-decoration:none;transition:transform .18s,box-shadow .18s,border-color .18s}
.prod-card:hover{text-decoration:none;transform:translateY(-3px);box-shadow:var(--shadow);border-color:transparent}
.prod-card h3{font-size:1.12rem;color:var(--ink);margin-bottom:.4rem}
.prod-card p{font-size:.92rem;color:var(--t3);line-height:1.55;flex:1}
.prod-card dl{margin:1.1rem 0 1rem;padding-top:1rem;border-top:1px solid var(--border);display:grid;gap:.35rem}
.prod-card dl div{display:flex;justify-content:space-between;gap:.75rem;font-size:.86rem}
.prod-card dt{color:var(--t4)}
.prod-card dd{font-weight:600;color:var(--ink);text-align:right;white-space:nowrap}
.prod-card .more{font-size:.9rem;font-weight:600;color:var(--ember)}

/* ── LUOTTORAJA-TYÖKALU ── */
.tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow);overflow:hidden;scroll-margin-top:90px}
.tool-form{padding:2.25rem}
.tool-form h3{font-size:1.3rem;color:var(--ink);letter-spacing:-.02em;margin-bottom:.35rem}
.tool-form>p{font-size:.95rem;color:var(--t3);margin-bottom:1.4rem}
.tool-form .field{margin-bottom:1rem}
.tool-form .g2{gap:.9rem}
.tool-consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.82rem;color:var(--t3);line-height:1.55;margin:.4rem 0 1.2rem;cursor:pointer}
.tool-consent input{width:17px;height:17px;min-width:17px;margin-top:2px;accent-color:var(--ember)}
.tool-out{background:var(--ink);color:#fff;padding:2.25rem;display:flex;flex-direction:column;justify-content:center;min-height:100%}
.tool-out h4{font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.55);margin-bottom:.9rem}
.tool-idle li{list-style:none;position:relative;padding:.55rem 0 .55rem 1.9rem;color:rgba(255,255,255,.85);font-size:.98rem;border-bottom:1px solid rgba(255,255,255,.1)}
.tool-idle li:last-child{border-bottom:0}
.tool-idle li::before{content:'';position:absolute;left:0;top:.8rem;width:1.1rem;height:1.1rem;border-radius:50%;border:2px solid rgba(255,255,255,.35)}
.tool-range{font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:700;letter-spacing:-.03em;line-height:1.1;margin-bottom:.35rem}
.tool-sub{font-size:.92rem;color:rgba(255,255,255,.7);margin-bottom:1.3rem;line-height:1.55}
.tool-checks{list-style:none;padding:0;margin:0 0 1.4rem;display:grid;gap:.6rem}
.tool-checks li{display:grid;grid-template-columns:1.5rem 1fr;gap:.6rem;font-size:.9rem;line-height:1.5;color:rgba(255,255,255,.82)}
.tool-checks b{display:block;color:#fff;font-weight:600}
.tool-checks i{width:1.35rem;height:1.35rem;border-radius:50%;display:grid;place-items:center;font-style:normal;font-size:.75rem;font-weight:800;margin-top:.1rem}
.tool-checks .ok i{background:#22c55e;color:#052e14}
.tool-checks .fail i{background:#f87171;color:#450a0a}
.tool-checks .unknown i{background:var(--sun);color:#3b2a00}
.tool-actions{display:flex;flex-wrap:wrap;gap:.6rem}
.tool-fine{font-size:.76rem;color:rgba(255,255,255,.5);line-height:1.55;margin-top:1.2rem}

/* lainatesti: segmenttivalinnat, mittari ja yhteydenottolomake */
.seg{display:flex;gap:.4rem;flex-wrap:wrap}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{flex:1;min-width:64px;text-align:center;padding:.7rem .5rem;border:1.5px solid var(--border-d);border-radius:999px;font-size:.92rem;font-weight:600;color:var(--t2);background:#fff;cursor:pointer;transition:all .15s;white-space:nowrap}
.seg label:hover{border-color:var(--ink)}
.seg input:checked+label{background:var(--ink);border-color:var(--ink);color:#fff}
.seg input:focus-visible+label{box-shadow:0 0 0 3px var(--ember-glow)}
.tool.lt .tool-out{justify-content:flex-start;text-align:center}
.tool.lt .tool-out h4{margin-bottom:.4rem}
.gauge{width:100%;max-width:300px;margin:0 auto .4rem;display:block;overflow:visible}
.gauge-text{font-size:1.12rem;line-height:1.45;color:#fff;margin-bottom:.5rem}
.gauge-text strong{color:#fff;font-weight:700}
.gauge-hint{font-size:.88rem;color:rgba(255,255,255,.68);line-height:1.55;min-height:2.7em;margin-bottom:1.1rem}
.tool.lt .tool-actions{justify-content:center;margin-bottom:1.4rem}
.lt-lead{text-align:left;border-top:1px solid rgba(255,255,255,.14);padding-top:1.2rem}
.lt-lead-h{font-size:.98rem;font-weight:600;color:#fff;margin-bottom:.8rem}
.lt-lead-grid{display:grid;grid-template-columns:1fr 1fr;gap:.55rem;margin-bottom:.7rem}
.lt-lead-grid .wide{grid-column:1/-1}
.lt-lead input[type=text],.lt-lead input[type=tel],.lt-lead input[type=email]{padding:.7rem .9rem;font-size:.95rem;border-color:transparent}
.lt-lead .tool-consent{color:rgba(255,255,255,.7);margin:.2rem 0 .9rem}
.lt-lead .tool-consent a{color:#fff;text-decoration:underline}
.lt-lead .err-msg{color:#fca5a5}
.tool.lt .tool-fine{text-align:left}

/* ── VARAUSKALENTERI ── */
.book{display:grid;grid-template-columns:minmax(0,340px) minmax(0,1fr);gap:0;background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow);overflow:hidden;scroll-margin-top:90px}
.book-side{background:var(--tint);padding:2.25rem 2rem;display:flex;flex-direction:column}
.book-side img{width:112px;height:112px;border-radius:50%;object-fit:cover;border:4px solid #fff;box-shadow:0 6px 20px rgba(11,37,69,.15);margin-bottom:1.1rem}
.book-side h3{font-size:1.3rem;color:var(--ink);letter-spacing:-.02em}
.book-side .role{font-size:.92rem;color:var(--t3);margin-bottom:1rem}
.book-side ul{list-style:none;padding:0;margin:0 0 1.2rem;display:grid;gap:.55rem}
.book-side li{font-size:.92rem;color:var(--t2);padding-left:1.5rem;position:relative;line-height:1.5}
.book-side li::before{content:'✓';position:absolute;left:0;color:var(--ember);font-weight:800}
.book-langs{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:auto}
.book-langs span{font-size:.78rem;font-weight:600;color:var(--t2);background:#fff;border:1px solid var(--border);border-radius:999px;padding:.25rem .7rem}
.book-main{padding:2.25rem;min-width:0}
.book-main h4{font-size:1.05rem;color:var(--ink);margin-bottom:.9rem}
.book-days{display:flex;gap:.5rem;overflow-x:auto;padding-bottom:.6rem;margin-bottom:1.2rem;scrollbar-width:thin}
.book-day{flex:0 0 auto;min-width:74px;padding:.6rem .5rem;border:1.5px solid var(--border-d);border-radius:var(--r);background:#fff;font:inherit;cursor:pointer;text-align:center;color:var(--t2);transition:border-color .15s,background .15s}
.book-day small{display:block;font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--t4)}
.book-day b{display:block;font-size:1.05rem;color:var(--ink)}
.book-day em{display:block;font-style:normal;font-size:.7rem;color:var(--t4);margin-top:.1rem}
.book-day:hover{border-color:var(--ink)}
.book-day.on{background:var(--ink);border-color:var(--ink)}
.book-day.on small,.book-day.on b,.book-day.on em{color:#fff}
.book-day.full{opacity:.55}
.book-slots{display:grid;grid-template-columns:repeat(auto-fill,minmax(86px,1fr));gap:.5rem;margin-bottom:.8rem}
.book-slot{padding:.7rem .3rem;border:1.5px solid var(--border-d);border-radius:999px;background:#fff;font:inherit;font-weight:600;font-size:.95rem;color:var(--ink);cursor:pointer;transition:all .15s}
.book-slot:hover{border-color:var(--ember);color:var(--ember)}
.book-slot.on{background:var(--ember);border-color:var(--ember);color:#fff}
.book-slot[disabled]{background:var(--tint);border-color:transparent;color:var(--t4);text-decoration:line-through;cursor:not-allowed}
.book-legend{font-size:.8rem;color:var(--t4);margin-bottom:1.3rem}
.book-form{display:none;border-top:1px solid var(--border);padding-top:1.4rem}
.book-form.show{display:block}
.book-picked{font-size:1rem;color:var(--ink);font-weight:600;margin-bottom:1rem}
.book-form .field{margin-bottom:.9rem}
.book-done{text-align:center;padding:2.5rem 1rem}
.book-done .tick{width:64px;height:64px;border-radius:50%;background:#dcfce7;color:#15803d;font-size:2rem;display:grid;place-items:center;margin:0 auto 1.1rem}
.book-done h4{font-size:1.4rem;margin-bottom:.5rem}
.book-done p{color:var(--t3);max-width:440px;margin:0 auto 1.3rem}
.form-msg{display:none;padding:.75rem 1rem;border-radius:var(--r);font-size:.9rem;margin-bottom:1rem;background:#fef2f2;border:1px solid #f5c6c6;color:#922}
.form-msg.show{display:block}

/* ── TARJOUSSIVU ── */
.app-pill{background:#fff;border-color:var(--border);color:var(--t2)}
.ox-steps li{color:var(--t4)}
.ox-steps li span{background:#fff;border-color:var(--border-d);color:var(--t3)}
.ox-steps li::before{background:var(--border-d)}
.ox-steps li.done{color:var(--t2)}
.ox-steps li.done::before,.ox-steps li.now::before{background:#10b981}
.ox-steps li.now{color:var(--ink)}
.ox-steps li.now span{background:var(--ink);border-color:var(--ink);color:#fff;box-shadow:0 0 0 4px var(--ember-glow)}
.ox-card,.summary-card{border-radius:var(--r-lg)}
.ox-btn,.btn-accept-main,.btn-accept-alt{border-radius:999px}
.ox-ribbon{border-radius:999px}
/* kontrasti: tummemmat harmaat, isompi pienteksti, selvemmät reunat ja sävytetty tausta, josta valkoiset kortit erottuvat */
body.offer-page{--t2:#1f2a40;--t3:#3b465c;--t4:#566178;--border:rgba(11,37,69,.15);--border-d:rgba(11,37,69,.28);background:var(--tint)}
.offer-page .hero{background:linear-gradient(180deg,var(--tint-d) 0%,var(--tint) 100%);padding-bottom:3.5rem}
.offer-page .hero h1{font-size:2rem}
.offer-page .hero p{font-size:1rem;color:var(--t2)}
.offer-page .app-pill{font-size:.84rem!important;color:var(--t1);border-color:var(--border-d)}
.offer-page .ox-steps li{font-size:.78rem;color:var(--t3)}
.offer-page .ox-steps li.done,.offer-page .ox-steps li.now{color:var(--t1)}
.offer-page .summary-card,.offer-page .ox-card,.offer-page .ox-next{background:#fff;border-color:var(--border-d);box-shadow:0 1px 2px rgba(11,37,69,.05),0 10px 28px rgba(11,37,69,.08)}
.offer-page .ox-card.rec{border-color:var(--ember);box-shadow:0 0 0 2px var(--ember),0 12px 32px rgba(31,79,216,.16)}
.offer-page .sum-label,.offer-page .ox-label{font-size:.74rem;color:var(--t3)}
.offer-page .sum-val{font-size:1.08rem}
.offer-page .offers-intro p{font-size:.98rem;color:var(--t2)}
.offer-page .ox-prod{font-size:1.15rem}
.offer-page .ox-desc{font-size:.9rem;color:var(--t2)}
.offer-page .ox-amount span,.offer-page .ox-mval span{color:var(--t3)}
.offer-page .ox-facts>div{font-size:.94rem;padding:.65rem 0}
.offer-page .ox-facts dt{color:var(--t2)}
.offer-page .ox-reqs{font-size:.88rem;color:#7c2d12;border-color:#f5c451}
.offer-page .ox-note{font-size:.84rem;color:var(--t2)}
.offer-page .ox-btn{font-size:1rem;padding:.95rem;border-width:2px}
.offer-page .ox-next li{font-size:.9rem}
.offer-page .msg{font-size:.93rem}
.offer-page .msg-info{background:#e3ecfd;border-color:rgba(31,79,216,.35);color:#12295c}
.offer-page .btn-link,.offer-page .of-validity{color:var(--t3);font-size:.86rem}
.offer-page .footer-copy{color:var(--t3)}

/* ── FAQ ── */
.faq{max-width:820px;margin:0 auto;display:grid;gap:.7rem}
.faq details{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:0 1.3rem}
.faq summary{cursor:pointer;list-style:none;padding:1.1rem 2rem 1.1rem 0;font-weight:600;color:var(--ink);font-size:1.02rem;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:400;color:var(--ember)}
.faq details[open] summary::after{content:'–'}
.faq details p{padding:0 0 1.2rem;color:var(--t2);font-size:.97rem;line-height:1.7}

.home-content{max-width:820px;margin:0 auto;padding:0 1.25rem}
.home-content.content{padding-top:0;padding-bottom:0}

@media(max-width:1020px){
  .home-hero .wrap{grid-template-columns:1fr;gap:2.25rem}
  .hh-copy{padding-top:0;position:static}
  .prod-grid{grid-template-columns:repeat(2,1fr)}
  .tool,.book{grid-template-columns:1fr}
  .nav-ghost{display:none}
}
@media(max-width:1439px){.nav-ghost{display:none}}
@media(max-width:1240px){.nav-links a{padding:.5rem .6rem;font-size:.88rem}}
@media(max-width:960px) and (min-width:769px){.nav-call span{display:none}.nav-call{padding:.6rem .7rem}.nav-links a{padding:.45rem .45rem;font-size:.84rem}}
@media(max-width:768px){
  nav{height:60px}
  .nav-call{padding:.5rem .8rem;font-size:.84rem}
  .nav-actions{gap:.35rem}
  .home-hero{padding:2rem 0 2.5rem}
  .hh-cta .btn-pill{width:100%}
  .factbar .wrap{grid-template-columns:repeat(2,1fr)}
  .fact:nth-child(3){border-left:0}
  .fact:nth-child(n+3){border-top:1px solid var(--border)}
  .sec{padding:3.25rem 0}
  .steps3{grid-template-columns:1fr}
  .term-row{grid-template-columns:repeat(4,1fr)}
  .tool-form,.tool-out,.book-main,.book-side{padding:1.5rem 1.25rem}
  .hero{padding:3rem 1.25rem 5rem}
}
@media(max-width:520px){
  .prod-grid{grid-template-columns:1fr}
  .home-hero h1{font-size:2.05rem}
}