/* ---------- Self-hosted variable fonts (OFL) ---------- */
@font-face{font-family:"Sora";src:url("/assets/fonts/sora-var.woff2") format("woff2");
  font-weight:100 800;font-style:normal;font-display:swap;
  unicode-range:U+0000-00FF,U+0100-017F,U+2000-206F,U+20AC,U+2212}
@font-face{font-family:"Manrope";src:url("/assets/fonts/manrope-var.woff2") format("woff2");
  font-weight:200 800;font-style:normal;font-display:swap;
  unicode-range:U+0400-04FF}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-var.woff2") format("woff2");
  font-weight:100 900;font-style:normal;font-display:swap}

/* ==========================================================================
   Hüpoteeklaen.ee — Design System
   Brand: deep royal blue #004E9E · rooftop house mark
   Type: Sora (display) · Inter (body)
   ========================================================================== */

:root{
  /* Brand blues */
  --blue-900:#00295C;
  --blue-800:#003A78;
  --blue-700:#004E9E;   /* brand primary (from logo) */
  --blue-600:#0A60BE;
  --blue-500:#1A74D6;
  --blue-200:#BBD6F2;
  --blue-100:#E6F0FB;
  --blue-50:#F2F7FD;

  /* Neutrals */
  --ink:#0A1B2E;
  --navy:#0E2A45;
  --slate:#52647A;
  --slate-light:#8294A7;
  --line:#E4EBF3;
  --line-soft:#EEF3F9;
  --paper:#FFFFFF;
  --mist:#F4F8FC;
  --mist-2:#EDF3FA;

  /* Accents */
  --gold:#E0A640;
  --gold-soft:#F7EBD2;
  --green:#16A06A;
  --green-soft:#E3F5EC;
  --red:#D14343;

  /* Radii & shadows */
  --r-sm:10px;
  --r:16px;
  --r-lg:24px;
  --r-xl:32px;
  --r-pill:999px;
  --sh-sm:0 1px 2px rgba(10,27,46,.06),0 1px 3px rgba(10,27,46,.05);
  --sh:0 6px 24px -8px rgba(10,27,46,.16);
  --sh-lg:0 24px 60px -18px rgba(0,41,92,.30);
  --sh-blue:0 18px 50px -16px rgba(0,78,158,.45);

  /* Layout */
  --maxw:1200px;
  --gutter:clamp(20px,5vw,48px);
  --header-h:78px;

  /* Type */
  --f-display:"Sora","Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --f-body:"Inter","Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
}
body{
  margin:0;font-family:var(--f-body);color:var(--ink);background:var(--paper);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;overflow-x:hidden;
}
img,svg,picture{max-width:100%;display:block}
svg{width:18px;height:18px}
a{color:var(--blue-700);text-decoration:none}
button{font-family:inherit;cursor:pointer}
h1,h2,h3,h4{font-family:var(--f-display);color:var(--navy);line-height:1.12;font-weight:700;letter-spacing:-.02em;margin:0}
p{margin:0 0 1em}
ul{margin:0;padding:0;list-style:none}
:focus-visible{outline:3px solid var(--blue-500);outline-offset:2px;border-radius:4px}

/* ---------- Layout ---------- */
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}
.section{padding:clamp(56px,9vw,104px) 0}
.section--tight{padding:clamp(40px,6vw,72px) 0}
.section--mist{background:var(--mist)}
.section--navy{background:linear-gradient(160deg,var(--blue-900),var(--blue-800));color:#fff}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--f-body);
  font-weight:700;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--blue-700);margin-bottom:18px}
.eyebrow::before{content:"";width:24px;height:2px;background:var(--gold);border-radius:2px}
.section--navy .eyebrow{color:var(--blue-200)}
.h-xl{font-size:clamp(2.1rem,5.4vw,3.6rem)}
.h-lg{font-size:clamp(1.8rem,3.8vw,2.7rem)}
.h-md{font-size:clamp(1.35rem,2.4vw,1.7rem)}
.lead{font-size:clamp(1.05rem,1.6vw,1.22rem);color:var(--slate);line-height:1.6;max-width:60ch}
.section--navy .lead{color:#C5D8EC}
.center{text-align:center}
.center .lead{margin-inline:auto}
.muted{color:var(--slate)}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--f-body);font-weight:600;font-size:1rem;line-height:1;
  padding:15px 26px;border-radius:var(--r-pill);border:1.5px solid transparent;
  transition:transform .18s ease,box-shadow .25s ease,background .2s ease,color .2s ease;
  white-space:nowrap}
.btn svg{width:18px;height:18px}
.btn--primary{background:var(--blue-700);color:#fff;box-shadow:var(--sh-blue)}
.btn--primary:hover{background:var(--blue-600);transform:translateY(-2px)}
.btn--gold{background:var(--gold);color:#3a2b08;box-shadow:0 14px 34px -12px rgba(224,166,64,.7)}
.btn--gold:hover{background:#eab451;transform:translateY(-2px)}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--blue-700);color:var(--blue-700);background:var(--blue-50)}
.btn--light{background:#fff;color:var(--blue-700)}
.btn--light:hover{transform:translateY(-2px);box-shadow:var(--sh-lg)}
.btn--outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn--outline-light:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn--lg{padding:18px 34px;font-size:1.06rem}
.btn--block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}

/* ==========================================================================
   HEADER
   ========================================================================== */
.site-header{position:fixed;top:0;left:0;right:0;z-index:100;
  transition:background .3s ease,box-shadow .3s ease,height .3s ease;height:var(--header-h)}
.site-header .wrap{display:flex;align-items:center;gap:24px;height:100%}
.brand{display:flex;align-items:center;flex-shrink:0;z-index:2}
.brand img{height:34px;width:auto;transition:opacity .25s ease}
.brand .logo-blue{display:none}
.site-header.scrolled{background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(14px);
  box-shadow:0 1px 0 rgba(10,27,46,.07),0 10px 30px -18px rgba(10,27,46,.4);height:68px}
.site-header.scrolled .logo-white{display:none}
.site-header.scrolled .logo-blue{display:block}
/* Solid header variant for inner pages (no hero) */
.site-header.solid{background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(14px);
  box-shadow:0 1px 0 rgba(10,27,46,.07)}
.site-header.solid .logo-white{display:none}
.site-header.solid .logo-blue{display:block}

/* Nav */
.main-nav{display:flex;align-items:center;margin-left:auto}
.main-nav ul{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-item{position:relative}
.nav-link{display:inline-flex;align-items:center;gap:6px;padding:10px 14px;border-radius:var(--r-sm);
  font-weight:500;font-size:.97rem;color:#fff;transition:background .2s,color .2s}
.nav-link svg{width:14px;height:14px;opacity:.7;transition:transform .2s}
.scrolled .nav-link,.solid .nav-link{color:var(--navy)}
.nav-link:hover{background:rgba(255,255,255,.14)}
.scrolled .nav-link:hover,.solid .nav-link:hover{background:var(--blue-50);color:var(--blue-700)}
.nav-item:hover .nav-link svg{transform:rotate(180deg)}

/* Mega dropdown */
.mega{position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(8px);
  width:min(620px,86vw);background:#fff;border-radius:var(--r-lg);box-shadow:var(--sh-lg);
  border:1px solid var(--line-soft);padding:14px;opacity:0;visibility:hidden;
  transition:opacity .22s ease,transform .22s ease;z-index:50}
.mega::before{content:"";position:absolute;top:-18px;left:0;right:0;height:18px}
.nav-item:hover .mega,.nav-item:focus-within .mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.mega-head{padding:8px 12px 12px;border-bottom:1px solid var(--line-soft);margin-bottom:8px}
.mega-head strong{display:block;font-family:var(--f-display);color:var(--navy);font-size:1.02rem}
.mega-head span{font-size:.86rem;color:var(--slate)}
.mega-grid{display:grid;grid-template-columns:1fr 1fr;gap:2px}
.mega-link{display:flex;gap:12px;padding:11px 12px;border-radius:12px;transition:background .18s}
.mega-link:hover{background:var(--blue-50)}
.mega-ico{flex-shrink:0;width:38px;height:38px;border-radius:10px;background:var(--blue-50);
  display:grid;place-items:center;color:var(--blue-700)}
.mega-ico svg{width:20px;height:20px}
.mega-link b{display:block;font-family:var(--f-body);font-weight:600;font-size:.95rem;color:var(--navy);line-height:1.3}
.mega-link small{display:block;font-size:.82rem;color:var(--slate);line-height:1.4;margin-top:2px}

/* Header right cluster */
.header-tools{display:flex;align-items:center;gap:10px;flex-shrink:0}
.lang-switch{position:relative}
.lang-btn{display:inline-flex;align-items:center;gap:6px;padding:9px 12px;border-radius:var(--r-pill);
  border:1.5px solid rgba(255,255,255,.32);background:transparent;color:#fff;font-weight:600;font-size:.86rem}
.scrolled .lang-btn,.solid .lang-btn{color:var(--navy);border-color:var(--line)}
.lang-btn svg{width:13px;height:13px}
.lang-menu{position:absolute;top:calc(100% + 8px);right:0;background:#fff;border-radius:14px;
  box-shadow:var(--sh-lg);border:1px solid var(--line-soft);padding:6px;min-width:150px;
  opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}
.lang-switch.open .lang-menu{opacity:1;visibility:visible;transform:translateY(0)}
.lang-menu a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:9px;
  color:var(--navy);font-weight:500;font-size:.92rem}
.lang-menu a:hover{background:var(--blue-50)}
.lang-menu a.active{color:var(--blue-700);font-weight:700}
.lang-menu a span.flag{font-size:1.05rem}

.header-cta{display:inline-flex;align-items:center;gap:8px;padding:11px 20px;border-radius:var(--r-pill);
  background:var(--gold);color:#3a2b08;font-weight:700;font-size:.92rem;
  box-shadow:0 12px 28px -14px rgba(224,166,64,.85);transition:transform .18s,box-shadow .2s}
.header-cta:hover{transform:translateY(-2px)}

/* Burger */
.burger{display:none;flex-direction:column;justify-content:center;gap:5px;width:46px;height:46px;
  border-radius:12px;border:1.5px solid rgba(255,255,255,.3);background:transparent}
.burger span{display:block;width:20px;height:2px;background:#fff;margin-inline:auto;border-radius:2px;transition:.25s}
.scrolled .burger,.solid .burger{border-color:var(--line)}
.scrolled .burger span,.solid .burger span{background:var(--navy)}

/* Mobile drawer */
.drawer{position:fixed;inset:0;z-index:200;visibility:hidden;pointer-events:none}
.drawer-scrim{position:absolute;inset:0;background:rgba(6,20,38,.5);opacity:0;transition:opacity .3s}
.drawer-panel{position:absolute;top:0;right:0;height:100%;width:min(420px,90vw);background:#fff;
  transform:translateX(100%);transition:transform .32s cubic-bezier(.4,0,.2,1);
  display:flex;flex-direction:column;box-shadow:var(--sh-lg)}
.drawer.open{visibility:visible;pointer-events:auto}
.drawer.open .drawer-scrim{opacity:1}
.drawer.open .drawer-panel{transform:translateX(0)}
.drawer-top{display:flex;align-items:center;justify-content:space-between;padding:18px 22px;border-bottom:1px solid var(--line-soft)}
.drawer-top img{height:30px}
.drawer-close{width:42px;height:42px;border-radius:12px;border:1px solid var(--line);background:#fff;
  display:grid;place-items:center;font-size:1.4rem;color:var(--navy);line-height:1}
.drawer-body{flex:1;overflow-y:auto;padding:14px 18px 30px}
.m-acc{border-bottom:1px solid var(--line-soft)}
.m-acc-head{display:flex;align-items:center;justify-content:space-between;width:100%;
  padding:16px 6px;background:none;border:none;font-family:var(--f-display);font-weight:600;
  font-size:1.06rem;color:var(--navy);text-align:left}
.m-acc-head svg{width:18px;height:18px;color:var(--slate);transition:transform .25s}
.m-acc.open .m-acc-head svg{transform:rotate(180deg)}
.m-acc-body{max-height:0;overflow:hidden;transition:max-height .3s ease}
.m-acc.open .m-acc-body{max-height:760px}
.m-acc-body a{display:block;padding:11px 6px 11px 16px;color:var(--slate);font-weight:500;font-size:.98rem;
  border-left:2px solid var(--line)}
.m-acc-body a:hover{color:var(--blue-700);border-color:var(--blue-700)}
.m-link{display:block;padding:16px 6px;font-family:var(--f-display);font-weight:600;font-size:1.06rem;
  color:var(--navy);border-bottom:1px solid var(--line-soft)}
.drawer-foot{padding:20px 18px;border-top:1px solid var(--line-soft);display:grid;gap:12px}
.drawer-lang{display:flex;gap:8px}
.drawer-lang a{flex:1;text-align:center;padding:11px;border-radius:12px;border:1px solid var(--line);
  font-weight:600;color:var(--navy);font-size:.9rem}
.drawer-lang a.active{background:var(--blue-700);color:#fff;border-color:var(--blue-700)}

/* ==========================================================================
   HERO
   ========================================================================== */
.hero{position:relative;padding-top:calc(var(--header-h) + clamp(40px,7vw,80px));
  padding-bottom:clamp(60px,9vw,120px);overflow:hidden;
  background:radial-gradient(120% 130% at 85% 0%,#0A60BE 0%,#004E9E 38%,#00316A 72%,#00295C 100%);
  color:#fff}
.hero::after{content:"";position:absolute;inset:0;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Cpath d='M0 59h60M59 0v60' stroke='%23ffffff' stroke-opacity='0.04' stroke-width='1'/%3E%3C/svg%3E");
  pointer-events:none}
.hero-roofs{position:absolute;left:0;right:0;bottom:-2px;width:100%;height:auto;opacity:.5;pointer-events:none}
.hero-roofs svg{width:100%;height:auto;display:block}
.hero-roofs{display:none} /* foto-hero aktiivne; kustuta see rida, et joonistatud siluett tagasi tuua */
.hero-photo{position:absolute;inset:0;pointer-events:none;filter:saturate(.95);
  background-image:
    linear-gradient(102deg,rgba(0,32,70,.96) 0%,rgba(0,38,82,.9) 26%,rgba(0,52,110,.62) 48%,rgba(0,62,130,.34) 68%,rgba(0,52,110,.46) 100%),
    linear-gradient(180deg,rgba(2,16,38,.74) 0,rgba(2,16,38,.36) 150px,rgba(2,16,38,0) 360px),
    linear-gradient(0deg,rgba(0,30,66,.55) 0,rgba(0,30,66,0) 240px),
    url("../img/hero-tallinn.jpg");
  background-size:cover;background-position:center 42%;background-repeat:no-repeat}
@media (max-width:880px){
  .hero-photo{background-image:
    linear-gradient(180deg,rgba(2,16,38,.86) 0,rgba(0,38,82,.88) 30%,rgba(0,44,94,.92) 100%),
    url("../img/hero-tallinn-960.jpg");
  background-position:center 30%}
}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(28px,5vw,60px);align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:9px;padding:8px 16px;border-radius:var(--r-pill);
  background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);font-size:.84rem;font-weight:600;
  letter-spacing:.02em;margin-bottom:24px;backdrop-filter:blur(6px)}
.hero-badge .dot{width:8px;height:8px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(224,166,64,.25)}
.hero h1{color:#fff;font-size:clamp(2.4rem,5.6vw,4.1rem);line-height:1.04;margin-bottom:20px}
.hero h1 .hl{color:var(--blue-200);position:relative;white-space:nowrap}
.hero-sub{font-size:clamp(1.05rem,1.7vw,1.28rem);color:#CFE0F2;max-width:52ch;margin-bottom:30px;line-height:1.55}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:34px}
.hero-trust{display:flex;flex-wrap:wrap;gap:22px 30px;align-items:center}
.hero-trust .ht{display:flex;align-items:center;gap:11px}
.hero-trust .ht-ico{width:40px;height:40px;border-radius:11px;background:rgba(255,255,255,.12);
  display:grid;place-items:center;flex-shrink:0}
.hero-trust .ht-ico svg{width:21px;height:21px;color:#fff}
.hero-trust .ht b{display:block;font-family:var(--f-display);font-size:1.18rem;color:#fff;line-height:1}
.hero-trust .ht span{font-size:.8rem;color:#A9C4E0}

/* Calculator card */
.calc-card{background:rgba(255,255,255,.97);border-radius:var(--r-xl);padding:clamp(22px,3vw,32px);
  box-shadow:var(--sh-lg);color:var(--ink);position:relative;border:1px solid rgba(255,255,255,.5)}
.calc-card h3{font-size:1.32rem;margin-bottom:4px}
.calc-card .calc-sub{font-size:.9rem;color:var(--slate);margin-bottom:22px}
.calc-field{margin-bottom:20px}
.calc-field-top{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:10px}
.calc-field label{font-weight:600;font-size:.92rem;color:var(--navy)}
.calc-val{font-family:var(--f-display);font-weight:700;font-size:1.12rem;color:var(--blue-700);font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;
  background:var(--line);outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;
  border-radius:50%;background:var(--blue-700);border:4px solid #fff;box-shadow:0 2px 8px rgba(0,78,158,.4);cursor:pointer}
input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--blue-700);
  border:4px solid #fff;box-shadow:0 2px 8px rgba(0,78,158,.4);cursor:pointer;border:4px solid #fff}
.calc-scale{display:flex;justify-content:space-between;font-size:.74rem;color:var(--slate-light);margin-top:7px}
.calc-result{background:linear-gradient(135deg,var(--blue-50),var(--blue-100));border-radius:var(--r);
  padding:18px 20px;display:flex;align-items:center;justify-content:space-between;margin:22px 0 18px}
.calc-result .crl{font-size:.86rem;color:var(--slate);font-weight:500}
.calc-result .crv{font-family:var(--f-display);font-weight:800;font-size:1.9rem;color:var(--blue-700);
  font-variant-numeric:tabular-nums;line-height:1}
.calc-result .crv small{font-size:.95rem;font-weight:600;color:var(--slate)}
.calc-note{font-size:.76rem;color:var(--slate-light);text-align:center;margin-top:14px;line-height:1.5}

/* ==========================================================================
   TRUST BAR
   ========================================================================== */
.trustbar{background:#fff;border-bottom:1px solid var(--line-soft)}
.trustbar .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;
  gap:clamp(20px,4vw,52px);padding-block:26px}
.trustbar .tb{display:flex;align-items:center;gap:11px;color:var(--slate);font-size:.92rem;font-weight:500}
.trustbar .tb svg{width:22px;height:22px;color:var(--green);flex-shrink:0}
.trustbar .tb strong{color:var(--navy)}

/* ==========================================================================
   PATHS (era/äri split)
   ========================================================================== */
.paths{display:grid;grid-template-columns:1fr 1fr;gap:clamp(18px,3vw,28px)}
.path-card{position:relative;border-radius:var(--r-lg);padding:clamp(28px,4vw,44px);overflow:hidden;
  border:1px solid var(--line);background:#fff;transition:transform .25s,box-shadow .25s}
.path-card:hover{transform:translateY(-4px);box-shadow:var(--sh-lg)}
.path-card--era{background:linear-gradient(160deg,#fff,var(--blue-50))}
.path-card--ari{background:linear-gradient(160deg,var(--blue-900),var(--blue-800));color:#fff;border-color:transparent}
.path-card .pc-tag{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;color:var(--blue-700);margin-bottom:16px}
.path-card--ari .pc-tag{color:var(--blue-200)}
.path-card h3{font-size:clamp(1.5rem,2.6vw,2rem);margin-bottom:12px;color:inherit}
.path-card--ari h3{color:#fff}
.path-card p{color:var(--slate);margin-bottom:22px;max-width:42ch}
.path-card--ari p{color:#C5D8EC}
.path-list{display:grid;gap:1px;margin-bottom:26px}
.path-list a{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:13px 0;
  border-bottom:1px solid var(--line);color:var(--navy);font-weight:500;transition:padding .2s,color .2s}
.path-card--ari .path-list a{border-color:rgba(255,255,255,.14);color:#EAF2FB}
.path-list a:hover{padding-left:8px;color:var(--blue-700)}
.path-card--ari .path-list a:hover{color:#fff}
.path-list a .arr{width:30px;height:30px;border-radius:50%;background:var(--blue-50);display:grid;place-items:center;
  flex-shrink:0;transition:.2s}
.path-card--ari .path-list a .arr{background:rgba(255,255,255,.12)}
.path-list a:hover .arr{background:var(--blue-700);color:#fff}
.path-list a .arr svg{width:15px;height:15px}
.path-list a .pl-txt b{display:block;font-weight:600;line-height:1.3}
.path-list a .pl-txt small{display:block;font-size:.82rem;color:var(--slate);font-weight:400}
.path-card--ari .path-list a .pl-txt small{color:#9FBBD8}

/* ==========================================================================
   SERVICE / FEATURE GRIDS
   ========================================================================== */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2.4vw,26px)}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(16px,2vw,22px)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:clamp(20px,3vw,40px);align-items:center}

.feat{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;
  transition:transform .25s,box-shadow .25s,border-color .25s}
.feat:hover{transform:translateY(-4px);box-shadow:var(--sh-lg);border-color:var(--blue-200)}
.feat-ico{width:54px;height:54px;border-radius:15px;background:var(--blue-50);color:var(--blue-700);
  display:grid;place-items:center;margin-bottom:20px}
.feat-ico svg{width:27px;height:27px}
.feat h3{font-size:1.2rem;margin-bottom:10px}
.feat p{color:var(--slate);font-size:.97rem;margin-bottom:16px}
.feat .feat-link{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:.92rem;color:var(--blue-700)}
.feat .feat-link svg{width:15px;height:15px;transition:transform .2s}
.feat:hover .feat-link svg{transform:translateX(4px)}

/* Service card with price chip */
.svc-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);overflow:hidden;transition:transform .25s,box-shadow .25s}
.svc-card:hover{transform:translateY(-4px);box-shadow:var(--sh-lg)}
.svc-top{padding:28px 28px 0;display:flex;align-items:flex-start;justify-content:space-between;gap:12px}
.svc-top .feat-ico{margin-bottom:0}
.chip{font-size:.74rem;font-weight:700;padding:6px 11px;border-radius:var(--r-pill);
  background:var(--green-soft);color:var(--green);white-space:nowrap}
.chip--blue{background:var(--blue-100);color:var(--blue-700)}
.chip--gold{background:var(--gold-soft);color:#9a6e12}
.svc-card .svc-body{padding:20px 28px 28px;display:flex;flex-direction:column;flex:1}
.svc-card h3{font-size:1.22rem;margin-bottom:9px}
.svc-card p{color:var(--slate);font-size:.95rem;flex:1;margin-bottom:18px}

/* ==========================================================================
   STATS
   ========================================================================== */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(20px,3vw,40px)}
.stat{text-align:center}
.stat .sv{font-family:var(--f-display);font-weight:800;font-size:clamp(2.2rem,4.5vw,3.4rem);
  color:#fff;line-height:1;letter-spacing:-.03em}
.section--navy .stat .sv{color:#fff}
.stat .sl{margin-top:10px;color:#A9C4E0;font-size:.95rem}
.stats--light .stat .sv{color:var(--blue-700)}
.stats--light .stat .sl{color:var(--slate)}

/* ==========================================================================
   PROCESS
   ========================================================================== */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;position:relative}
.step{position:relative;padding-top:8px}
.step-num{width:50px;height:50px;border-radius:50%;background:#fff;border:2px solid var(--blue-200);
  color:var(--blue-700);font-family:var(--f-display);font-weight:800;font-size:1.2rem;
  display:grid;place-items:center;margin-bottom:18px;position:relative;z-index:2}
.steps::before{content:"";position:absolute;top:33px;left:8%;right:8%;height:2px;
  background:linear-gradient(90deg,var(--blue-200),var(--blue-200));z-index:0}
.step h4{font-size:1.08rem;margin-bottom:7px}
.step p{font-size:.92rem;color:var(--slate)}

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq{max-width:840px;margin-inline:auto}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:16px;width:100%;
  background:none;border:none;padding:22px 4px;text-align:left;font-family:var(--f-display);
  font-weight:600;font-size:1.1rem;color:var(--navy)}
.faq-q .fic{flex-shrink:0;width:30px;height:30px;border-radius:50%;background:var(--blue-50);
  display:grid;place-items:center;color:var(--blue-700);transition:.25s}
.faq-q .fic svg{width:16px;height:16px;transition:transform .25s}
.faq-item.open .fic{background:var(--blue-700);color:#fff}
.faq-item.open .fic svg{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-a-inner{padding:0 4px 24px;color:var(--slate);max-width:72ch}
.faq-a-inner p{margin-bottom:.7em}

/* ==========================================================================
   LOCATIONS
   ========================================================================== */
.loc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.loc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;transition:.25s}
.loc:hover{box-shadow:var(--sh);border-color:var(--blue-200)}
.loc .loc-ico{width:42px;height:42px;border-radius:11px;background:var(--blue-50);color:var(--blue-700);
  display:grid;place-items:center;margin-bottom:14px}
.loc .loc-ico svg{width:21px;height:21px}
.loc h4{font-size:1.15rem;margin-bottom:6px}
.loc address{font-style:normal;color:var(--slate);font-size:.93rem;line-height:1.6}

/* ==========================================================================
   CTA BANNER
   ========================================================================== */
.cta-banner{position:relative;border-radius:var(--r-xl);overflow:hidden;
  background:linear-gradient(150deg,var(--blue-700),var(--blue-900));color:#fff;
  padding:clamp(40px,6vw,72px);text-align:center}
.cta-banner::before{content:"";position:absolute;top:-40%;right:-10%;width:50%;height:180%;
  background:radial-gradient(circle,rgba(26,116,214,.5),transparent 70%)}
.cta-banner *{position:relative;z-index:1}
.cta-banner h2{color:#fff;font-size:clamp(1.8rem,3.6vw,2.6rem);margin-bottom:14px}
.cta-banner p{color:#CFE0F2;max-width:54ch;margin:0 auto 28px;font-size:1.08rem}

/* ==========================================================================
   FORMS
   ========================================================================== */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);
  padding:clamp(26px,4vw,44px);box-shadow:var(--sh)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 22px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
.field label{font-weight:600;font-size:.9rem;color:var(--navy)}
.field label .req{color:var(--red)}
.field input,.field select,.field textarea{font-family:var(--f-body);font-size:1rem;color:var(--ink);
  padding:13px 15px;border:1.5px solid var(--line);border-radius:12px;background:#fff;
  transition:border-color .2s,box-shadow .2s}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue-500);
  box-shadow:0 0 0 4px var(--blue-50);outline:none}
.field textarea{resize:vertical;min-height:120px}
.field .hint{font-size:.8rem;color:var(--slate-light)}
.check{display:flex;gap:12px;align-items:flex-start;font-size:.9rem;color:var(--slate);line-height:1.5}
.check input{width:20px;height:20px;flex-shrink:0;margin-top:2px;accent-color:var(--blue-700)}
.check a{font-weight:600}
.form-aside{background:linear-gradient(160deg,var(--blue-900),var(--blue-800));color:#fff;
  border-radius:var(--r-xl);padding:clamp(28px,4vw,40px)}
.form-aside h3{color:#fff;font-size:1.4rem;margin-bottom:14px}
.form-aside ul{display:grid;gap:16px;margin-top:24px}
.form-aside li{display:flex;gap:13px;align-items:flex-start;color:#D7E5F4;font-size:.96rem}
.form-aside li svg{width:22px;height:22px;color:var(--gold);flex-shrink:0;margin-top:1px}
.aside-contact{margin-top:28px;padding-top:24px;border-top:1px solid rgba(255,255,255,.15)}
.aside-contact a{color:#fff;font-weight:600;font-size:1.1rem}

/* ==========================================================================
   PROSE (legal / content pages)
   ========================================================================== */
.prose{max-width:760px}
.prose.wide{max-width:880px}
.prose h2{font-size:clamp(1.4rem,2.4vw,1.9rem);margin:1.8em 0 .6em}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.2rem;margin:1.4em 0 .5em;color:var(--navy)}
.prose p,.prose li{color:#33485E;line-height:1.75}
.prose ul.bullets{list-style:none;margin:1em 0;display:grid;gap:10px}
.prose ul.bullets li{position:relative;padding-left:30px}
.prose ul.bullets li::before{content:"";position:absolute;left:0;top:9px;width:16px;height:16px;
  border-radius:50%;background:var(--blue-100);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23004E9E' stroke-width='3'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E");
  background-size:11px;background-position:center;background-repeat:no-repeat}
.prose ol{padding-left:1.3em;display:grid;gap:8px}
.prose ol li{padding-left:6px}
.prose a{font-weight:600;text-decoration:underline;text-decoration-color:var(--blue-200);text-underline-offset:3px}
.prose table{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:.95rem}
.prose th,.prose td{padding:12px 14px;border:1px solid var(--line);text-align:left}
.prose th{background:var(--blue-50);font-family:var(--f-display);color:var(--navy);font-weight:600}
.prose tr:nth-child(even) td{background:var(--mist)}
.legal-meta{display:inline-block;font-size:.85rem;color:var(--slate-light);background:var(--mist);
  padding:7px 14px;border-radius:var(--r-pill);margin-bottom:24px}

/* TOC for legal pages */
.toc{background:var(--mist);border:1px solid var(--line);border-radius:var(--r);padding:22px 26px;margin-bottom:32px}
.toc strong{display:block;font-family:var(--f-display);color:var(--navy);margin-bottom:12px;font-size:1rem}
.toc ol{margin:0;padding-left:1.2em;display:grid;gap:6px}
.toc a{color:var(--blue-700);text-decoration:none;font-weight:500;font-size:.95rem}
.toc a:hover{text-decoration:underline}

/* Page hero (inner pages) */
.page-hero{position:relative;padding-top:calc(var(--header-h) + clamp(40px,6vw,64px));
  padding-bottom:clamp(40px,6vw,64px);
  background:linear-gradient(160deg,var(--blue-900),var(--blue-700));color:#fff;overflow:hidden}
.page-hero::after{content:"";position:absolute;inset:0;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Cpath d='M0 59h60M59 0v60' stroke='%23ffffff' stroke-opacity='0.05' stroke-width='1'/%3E%3C/svg%3E")}
.page-hero .wrap{position:relative;z-index:2}
.breadcrumb{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:.85rem;color:#A9C4E0;margin-bottom:18px}
.breadcrumb a{color:#CFE0F2}.breadcrumb a:hover{color:#fff}
.breadcrumb .sep{opacity:.5}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.2rem);margin-bottom:16px;max-width:20ch}
.page-hero .lead{color:#CFE0F2;max-width:60ch}
.page-hero--compact{padding-bottom:clamp(32px,5vw,48px)}

/* Service detail layout */
.svc-layout{display:grid;grid-template-columns:1fr 360px;gap:clamp(28px,4vw,56px);align-items:start}
.svc-side{position:sticky;top:96px;display:grid;gap:20px}
.side-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;box-shadow:var(--sh-sm)}
.side-card.accent{background:linear-gradient(160deg,var(--blue-900),var(--blue-800));color:#fff;border:none}
.side-card h3{font-size:1.2rem;margin-bottom:14px}
.side-card.accent h3{color:#fff}
.spec{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px solid var(--line)}
.side-card.accent .spec{border-color:rgba(255,255,255,.15)}
.spec:last-child{border-bottom:none}
.spec .sk{color:var(--slate);font-size:.92rem}
.side-card.accent .spec .sk{color:#A9C4E0}
.spec .sv{font-weight:700;color:var(--navy);font-size:.95rem;text-align:right}
.side-card.accent .spec .sv{color:#fff}

/* Pills / tags row */
.pillrow{display:flex;flex-wrap:wrap;gap:10px;margin:6px 0 0}
.pill{display:inline-flex;align-items:center;gap:7px;padding:8px 15px;border-radius:var(--r-pill);
  background:var(--blue-50);color:var(--blue-700);font-weight:600;font-size:.85rem;border:1px solid var(--blue-100)}
.pill svg{width:15px;height:15px}
.pill{position:relative;cursor:pointer;transition:background .2s,color .2s,border-color .2s}
.pill input{position:absolute;inset:0;opacity:0;margin:0;cursor:pointer}
.pill:has(input:checked){background:var(--blue-700);color:#fff;border-color:var(--blue-700)}
.pill:has(input:focus-visible){outline:3px solid var(--blue-500);outline-offset:2px}

/* Logos / badges strip */
.badges{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:clamp(24px,5vw,56px)}
.badges .bdg{display:flex;align-items:center;gap:12px;color:var(--slate);font-weight:600;font-size:.95rem}
.badges .bdg .bdg-ico{width:46px;height:46px;border-radius:12px;background:var(--blue-50);color:var(--blue-700);display:grid;place-items:center}
.badges .bdg .bdg-ico svg{width:24px;height:24px}

/* Team */
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.member{text-align:center}
.member .avatar{width:104px;height:104px;border-radius:50%;margin:0 auto 16px;
  background:linear-gradient(150deg,var(--blue-100),var(--blue-200));display:grid;place-items:center;
  font-family:var(--f-display);font-weight:800;font-size:2rem;color:var(--blue-700)}
.member h4{font-size:1.08rem;margin-bottom:3px}
.member span{color:var(--slate);font-size:.9rem}

/* Blog */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);overflow:hidden;transition:transform .25s,box-shadow .25s}
.post:hover{transform:translateY(-4px);box-shadow:var(--sh-lg)}
.post-cover{aspect-ratio:16/9;background:linear-gradient(150deg,var(--blue-700),var(--blue-900));
  position:relative;display:grid;place-items:center}
.post-cover svg{width:48px;height:48px;color:rgba(255,255,255,.4)}
.post-body{padding:24px;display:flex;flex-direction:column;flex:1}
.post-cat{font-size:.74rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue-700);margin-bottom:10px}
.post h3{font-size:1.15rem;line-height:1.3;margin-bottom:10px}
.post p{color:var(--slate);font-size:.93rem;flex:1;margin-bottom:16px}
.post-meta{font-size:.82rem;color:var(--slate-light)}

/* Notice / disclaimer box */
.notice{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:var(--r);
  padding:20px 24px;display:flex;gap:15px;color:#2C4A66;font-size:.94rem;line-height:1.6}
.notice svg{width:24px;height:24px;color:var(--blue-700);flex-shrink:0;margin-top:1px}
.notice.warn{background:var(--gold-soft);border-color:#EFD9A8;color:#6B4E12}
.notice.warn svg{color:var(--gold)}

/* Thank you page */
.thanks{text-align:center;max-width:620px;margin-inline:auto}
.thanks .tk-ico{width:96px;height:96px;border-radius:50%;background:var(--green-soft);color:var(--green);
  display:grid;place-items:center;margin:0 auto 28px}
.thanks .tk-ico svg{width:48px;height:48px}
.thanks h1{font-size:clamp(1.9rem,4vw,2.8rem);margin-bottom:16px}
.thanks .next{display:grid;gap:14px;margin:34px 0;text-align:left}
.thanks .next .nx{display:flex;gap:16px;align-items:center;background:#fff;border:1px solid var(--line);
  border-radius:var(--r);padding:18px 22px}
.thanks .next .nx .nn{width:36px;height:36px;border-radius:50%;background:var(--blue-700);color:#fff;
  display:grid;place-items:center;font-family:var(--f-display);font-weight:700;flex-shrink:0}
.thanks .next .nx b{display:block;color:var(--navy)}
.thanks .next .nx small{color:var(--slate)}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer{background:var(--blue-900);color:#B9CCE2;padding-top:clamp(56px,7vw,84px)}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:clamp(28px,4vw,48px);padding-bottom:48px}
.footer-brand img{height:34px;margin-bottom:20px}
.footer-brand p{font-size:.93rem;line-height:1.7;color:#9FB6D2;max-width:34ch;margin-bottom:22px}
.footer-contact{display:grid;gap:10px;font-size:.93rem}
.footer-contact a,.footer-contact span{display:flex;align-items:center;gap:10px;color:#CFE0F2}
.footer-contact svg{width:17px;height:17px;color:var(--blue-200);flex-shrink:0}
.footer-contact a:hover{color:#fff}
.footer-col h4{color:#fff;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;
  font-family:var(--f-body);font-weight:700;margin-bottom:18px}
.footer-col ul{display:grid;gap:11px}
.footer-col a{color:#9FB6D2;font-size:.94rem;transition:color .2s,padding .2s}
.footer-col a:hover{color:#fff;padding-left:3px}
.footer-social{display:flex;gap:10px;margin-top:8px}
.footer-social a{width:40px;height:40px;border-radius:11px;background:rgba(255,255,255,.08);
  display:grid;place-items:center;color:#CFE0F2;transition:.2s}
.footer-social a:hover{background:var(--blue-700);color:#fff;transform:translateY(-2px)}
.footer-social svg{width:19px;height:19px}
.footer-disclaimer{border-top:1px solid rgba(255,255,255,.1);padding:26px 0;
  font-size:.82rem;color:#88A0BD;line-height:1.65;max-width:90ch}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;display:flex;
  flex-wrap:wrap;gap:14px;align-items:center;justify-content:space-between;font-size:.86rem;color:#88A0BD}
.footer-bottom a{color:#9FB6D2}.footer-bottom a:hover{color:#fff}
.footer-bottom .fb-links{display:flex;flex-wrap:wrap;gap:18px}

/* ==========================================================================
   COOKIE CONSENT
   ========================================================================== */
.cookie{position:fixed;left:clamp(16px,3vw,32px);bottom:clamp(16px,3vw,32px);z-index:300;
  width:min(440px,calc(100vw - 32px));background:#fff;border-radius:var(--r-lg);
  box-shadow:var(--sh-lg);border:1px solid var(--line);padding:26px;
  transform:translateY(140%);transition:transform .4s cubic-bezier(.4,0,.2,1)}
.cookie.show{transform:translateY(0)}
.cookie h4{font-size:1.12rem;margin-bottom:8px;display:flex;align-items:center;gap:10px}
.cookie h4 svg{width:22px;height:22px;color:var(--blue-700)}
.cookie p{font-size:.9rem;color:var(--slate);margin-bottom:18px;line-height:1.55}
.cookie p a{font-weight:600}
.cookie-actions{display:flex;flex-wrap:wrap;gap:10px}
.cookie-actions .btn{flex:1;padding:12px 16px;font-size:.92rem}
.cookie-toggle{display:flex;align-items:center;justify-content:space-between;padding:11px 0;border-top:1px solid var(--line-soft)}
.cookie-toggle:first-of-type{border-top:none}
.cookie-toggle .ct-label b{display:block;font-size:.92rem;color:var(--navy)}
.cookie-toggle .ct-label small{font-size:.8rem;color:var(--slate)}
.switch{position:relative;width:46px;height:26px;flex-shrink:0}
.switch input{opacity:0;width:0;height:0}
.switch .sl{position:absolute;inset:0;background:var(--line);border-radius:var(--r-pill);transition:.25s;cursor:pointer}
.switch .sl::before{content:"";position:absolute;width:20px;height:20px;left:3px;top:3px;background:#fff;border-radius:50%;transition:.25s}
.switch input:checked + .sl{background:var(--blue-700)}
.switch input:checked + .sl::before{transform:translateX(20px)}
.switch input:disabled + .sl{opacity:.55;cursor:not-allowed}
.cookie-details{max-height:0;overflow:hidden;transition:max-height .3s}
.cookie.expanded .cookie-details{max-height:300px;margin-bottom:16px}
.cookie .link-btn{background:none;border:none;color:var(--blue-700);font-weight:600;font-size:.86rem;padding:0;text-decoration:underline}

/* ==========================================================================
   UTILITIES & ANIMATION
   ========================================================================== */
.js .reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.js .reveal.in{opacity:1;transform:none}
.delay-1{transition-delay:.08s}.delay-2{transition-delay:.16s}.delay-3{transition-delay:.24s}
.mt-s{margin-top:18px}.mt-m{margin-top:32px}.mt-l{margin-top:52px}
.skip-link{position:absolute;left:-999px;top:0;z-index:999;background:var(--blue-700);color:#fff;padding:12px 20px;border-radius:0 0 10px 0}
.skip-link:focus{left:0}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width:1024px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .calc-card{max-width:480px}
  .grid-4,.stats,.loc-grid,.team-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:28px}
  .steps::before{display:none}
  .svc-layout{grid-template-columns:1fr}
  .svc-side{position:static}
  .footer-top{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:880px){
  .main-nav,.header-tools .header-cta,.header-tools .lang-switch{display:none}
  .burger{display:flex}
  .header-tools{margin-left:auto}
  .paths,.grid-3,.grid-2,.post-grid{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .svc-layout{gap:36px}
}
@media (max-width:560px){
  body{font-size:16px}
  .grid-4,.stats,.loc-grid,.team-grid,.steps{grid-template-columns:1fr}
  .hero-trust{gap:16px 22px}
  .btn{width:100%}
  .hero-cta .btn,.btn-row .btn{width:100%}
  .footer-top,.footer-bottom{grid-template-columns:1fr}
  .cookie{left:8px;right:8px;width:auto;bottom:8px;padding:20px}
}

/* form aside layout */
.contact-layout{display:grid;grid-template-columns:1.3fr .85fr;gap:clamp(24px,4vw,44px);align-items:start}
@media (max-width:880px){.contact-layout{grid-template-columns:1fr}}