/* Arbejdsskadeforsikringer.dk — minimal, corporate. White + soft grey, one green brand colour, one orange action colour. */

@font-face{font-family:"Instrument Sans";src:url("fonts/instrument-sans-latin.woff2") format("woff2");font-weight:400 700;font-style:normal;font-display:swap}

:root{
  --bg:#FAF8F5;
  --paper:#FFFFFF;
  --soft:#F1EDE6;
  --line:#E3DDD3;
  --ink:#14231F;
  --muted:#566260;
  --brand:#0B3536;
  --brand-2:#145253;
  --accent:#C2410C;
  --accent-h:#9A3412;
  --ok:#196B43;
  --err:#B42318;
  --r:8px;
  --f:"Instrument Sans",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --gutter:clamp(20px,4vw,40px);
  --maxw:1120px;
  --ease:cubic-bezier(.22,.8,.24,1);
  --ease-out:cubic-bezier(.16,1,.3,1);
  --ease-io:cubic-bezier(.65,0,.35,1);
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:80px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--f);font-size:17.5px;line-height:1.6;font-feature-settings:"tnum" 0;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3,h4,p,ul,ol{margin:0}
ul,ol{padding:0;list-style:none}
button,input,select{font:inherit;color:inherit}
button{cursor:pointer}
[hidden]{display:none!important}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}

.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-60px;background:var(--brand);color:#fff;padding:10px 16px;border-radius:var(--r);z-index:100;transition:top .2s}
.skip:focus{top:12px}
.hide-sm{display:none}
@media (min-width:480px){.hide-sm{display:inline}}

.ico{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* ---------- Type ---------- */
.h2,.h3,.hero__title,.wiz-h{font-weight:500;letter-spacing:-.028em;color:var(--brand);line-height:1.1}
.h2{font-size:clamp(2rem,3.8vw,2.9rem);hyphens:manual;-webkit-hyphens:manual}
.h3{font-size:clamp(1.3rem,2.2vw,1.6rem)}
.lead{font-size:1.1rem;color:var(--muted);max-width:62ch;margin-top:16px}
.kicker{font-size:.85rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--brand-2)}
p,li{overflow-wrap:break-word}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:0 24px;border-radius:var(--r);border:1.5px solid transparent;font-weight:600;font-size:1rem;text-decoration:none;white-space:nowrap;transition:background .25s var(--ease),border-color .25s,color .25s,transform .25s var(--ease),box-shadow .25s}
.btn--primary{background:var(--accent);color:#fff}
.btn--primary:hover{background:var(--accent-h)}
.btn--primary:disabled{opacity:.6;cursor:progress}
.btn--outline{background:#fff;color:var(--brand);border-color:var(--brand)}
.btn--outline:hover{background:var(--soft)}
.btn--text{background:none;color:var(--brand);padding:0 4px}
.btn--text::before{content:"←";margin-right:2px}
.btn--text:hover{color:var(--accent)}
.btn--sm{min-height:42px;padding:0 18px;font-size:.95rem}
.btn--lg{min-height:54px;padding:0 30px}
.btn--block{width:100%}
.linkbtn{background:none;border:0;padding:0;color:var(--brand);font-weight:600;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
.linkbtn:hover{color:var(--accent)}

/* ---------- Header ---------- */
.header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.header__in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:72px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--brand)}
.logo__mark{width:34px;height:34px;flex:none}
.logo__text{font-weight:600;font-size:1.12rem;letter-spacing:-.02em;line-height:1}
.logo__text span{font-weight:400}
.logo__text i{font-style:normal;color:inherit}
.logo--light{color:#fff}

.nav{display:none;gap:30px}
.nav a{text-decoration:none;font-weight:500;font-size:.95rem;color:var(--ink);padding:8px 0;border-bottom:2px solid transparent;transition:border-color .3s var(--ease),color .3s}
.nav a:hover{border-bottom-color:var(--brand)}
@media (min-width:900px){.nav{display:flex}}
@media (max-width:520px){.logo__text{font-size:.9rem}.header .btn--sm{padding:0 14px;font-size:.88rem}.logo{gap:8px}.logo__mark{width:26px;height:26px}.header__in{gap:10px}}

/* ---------- Hero: wide rounded banner with an overlapping white card ---------- */
.hero{padding:clamp(20px,3vw,36px) 0 clamp(72px,9vw,120px)}
.hero__stage{display:grid}
.hero__banner{grid-area:1/1;border-radius:28px;overflow:hidden;background:var(--soft);min-height:clamp(260px,52vw,600px)}
.hero__banner img{width:100%;height:100%;object-fit:cover;object-position:88% 50%}
.hero__card{grid-area:1/1;align-self:start;position:relative;z-index:1;background:var(--paper);border-radius:22px;box-shadow:0 30px 70px -30px rgba(20,35,31,.35),0 2px 0 rgba(20,35,31,.03);padding:clamp(26px,3.4vw,44px);margin:clamp(18px,3.2vw,44px) 0 -88px clamp(18px,3.2vw,44px);width:min(560px,calc(100% - clamp(36px,6.4vw,88px)))}
@media (max-width:860px){
  .hero__stage{display:block}
  .hero__banner{min-height:0;aspect-ratio:4/3}
  .hero__card{margin:-56px auto 0;width:calc(100% - 28px)}
  .hero{padding-bottom:56px}
}
.hero__title{font-size:clamp(2.1rem,4.4vw,3.2rem);margin:14px 0 18px;hyphens:manual;-webkit-hyphens:manual}
.hero__title span{color:var(--accent)}
.hero__lead{font-size:1.08rem;color:var(--muted);max-width:50ch}
.hero__alt{margin-top:14px;font-size:.92rem;color:var(--muted)}

.cvrbar{display:flex;align-items:stretch;gap:8px;margin-top:24px;max-width:540px}
.cvrbar input{flex:1;min-width:0;height:52px;padding:0 16px;border:1.5px solid #B8C0BD;border-radius:var(--r);background:#fff;font-size:1.05rem}
.cvrbar input:focus{outline:0;border-color:var(--brand);box-shadow:0 0 0 3px rgba(11,53,54,.15)}
.cvrbar input::placeholder{color:#66726F}
.cvrbar .btn{flex:none;min-height:52px}
@media (max-width:520px){.cvrbar{flex-direction:column}.cvrbar input{flex:none;width:100%}.cvrbar .btn{width:100%}}
.form-err{margin-top:10px;color:var(--err);font-weight:500;font-size:.95rem}
.ticks{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:18px;font-size:.9rem;color:var(--muted)}
.ticks li{display:inline-flex;align-items:center;gap:8px}
.ticks .ico{width:18px;height:18px;color:var(--ok);stroke-width:2.6}

/* hero fade-in (pure CSS) */
@keyframes fade{from{opacity:0;transform:translateY(10px)}}
.hero__card>*{animation:fade .6s var(--ease) both}
.hero__card>:nth-child(2){animation-delay:.05s}.hero__card>:nth-child(3){animation-delay:.1s}.hero__card>:nth-child(4){animation-delay:.15s}.hero__card>:nth-child(5){animation-delay:.2s}.hero__card>:nth-child(6){animation-delay:.25s}.hero__card>:nth-child(7){animation-delay:.3s}
.hero__banner img{animation:settle 1.6s var(--ease) both}
@keyframes settle{from{transform:scale(1.04);opacity:.6}}

/* ---------- Sections ---------- */
.section{padding:clamp(56px,8vw,96px) 0}
.section--soft{background:var(--soft)}
.section--tight{padding:clamp(8px,2vw,24px) 0 clamp(56px,8vw,96px)}
.sec-head{max-width:760px;margin-bottom:clamp(28px,4vw,48px)}

/* facts */
.facts{border-block:1px solid var(--line);background:var(--paper)}
.facts__grid{display:grid}
.fact{display:flex;flex-direction:column;gap:6px;padding:26px 0;border-top:1px solid var(--line)}
.fact:first-child{border-top:0}
@media (min-width:820px){
  .facts__grid{grid-template-columns:repeat(3,1fr)}
  .fact{padding:34px 32px;border-top:0;border-left:1px solid var(--line)}
  .fact:first-child{border-left:0;padding-left:0}
}
.fact__n{font-size:1.6rem;font-weight:500;letter-spacing:-.02em;color:var(--brand);line-height:1.2}
.fact__t{color:var(--muted);font-size:.95rem;max-width:34ch}

/* three columns */
.cols3{display:grid;gap:28px}
@media (min-width:820px){.cols3{grid-template-columns:repeat(3,1fr);gap:48px}}
.col{position:relative;padding-top:20px}
.col::before{content:"";position:absolute;top:0;left:0;right:0;height:2px;background:var(--brand);transform-origin:left;transition:transform 1.2s var(--ease-out) var(--d,0s)}
.js .col[data-reveal]::before{transform:scaleX(0)}
.js .col[data-reveal].is-in::before{transform:scaleX(1)}
.col__no{display:block;font-size:.85rem;font-weight:700;color:var(--accent);margin-bottom:10px}
.col h3{font-size:1.2rem;font-weight:500;color:var(--brand);letter-spacing:-.01em;margin-bottom:8px}
.col p{color:var(--muted)}

/* coverage tiles (line icon + title + text) */
.tiles{display:grid;gap:16px}
@media (min-width:700px){.tiles{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.tiles{grid-template-columns:repeat(3,1fr);gap:20px}}
.tile{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:30px}
.tile .ico{width:30px;height:30px;color:var(--brand-2);margin-bottom:22px;stroke-width:1.6}
.tile h3{font-size:1.2rem;font-weight:500;color:var(--brand);letter-spacing:-.015em;margin-bottom:8px}
.tile p{color:var(--muted);font-size:.98rem}

/* brancher: list selector with a large photo preview */
.bsel{display:grid;gap:0}
.bsel__list{display:grid}
.bsel__list li{border-bottom:1px solid var(--line)}
.bsel__list li:first-child{border-top:1px solid var(--line)}
.bran{display:flex;align-items:center;gap:16px;width:100%;padding:14px 4px;background:none;border:0;text-align:left;color:var(--ink);transition:padding .4s var(--ease-out),background .3s}
.bran__thumb{width:72px;height:56px;object-fit:cover;border-radius:12px;flex:none;background:var(--soft)}
.bran__txt{flex:1;min-width:0}
.bran__txt b{display:block;font-weight:500;font-size:1.1rem;letter-spacing:-.01em;color:var(--brand);line-height:1.25}
.bran__t{display:block;margin-top:2px;font-size:.88rem;color:var(--muted);line-height:1.4;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.bran__go{width:22px;height:22px;flex:none;color:var(--brand);opacity:.35;transition:transform .4s var(--ease-out),opacity .3s,color .3s}
.bran:hover .bran__go,.bran:focus-visible .bran__go,.bran.is-active .bran__go{opacity:1;transform:translateX(4px);color:var(--accent)}
.bsel__view{display:none}
@media (min-width:900px){
  .bsel{grid-template-columns:minmax(0,.9fr) minmax(0,1.25fr);gap:72px;align-items:start}
  .bran{padding:19px 8px}
  .bran__thumb{display:none}
  .bran.is-active,.bran:hover{padding-left:20px}
  .bran.is-active .bran__txt b{color:var(--accent)}
  .bran__t{display:none}
  .bran__txt b{font-size:1.2rem}
  .bsel__view{display:block;position:sticky;top:110px}
  .bsel__frame{position:relative;aspect-ratio:3/2;border-radius:24px;overflow:hidden;background:var(--soft);box-shadow:0 30px 60px -36px rgba(20,35,31,.45)}
  .bsel__img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transform:scale(1.04);transition:opacity .6s var(--ease),transform 1.2s var(--ease-out)}
  .bsel__img.is-on{opacity:1;transform:none}
  .bsel__cap{display:flex;flex-direction:column;gap:4px;margin-top:20px;color:var(--muted);font-size:.95rem}
  .bsel__cap>b{font-weight:500;color:var(--brand);font-size:1.35rem;letter-spacing:-.015em}
  .bsel__cap>span{font-size:.9rem}
  .bsel__cap p{margin-top:8px;max-width:56ch;line-height:1.6;transition:opacity .3s}
  .bran__d{display:none}
}
.prebranche{margin:-6px 0 18px;padding:10px 14px;border-radius:var(--r);background:var(--soft);font-size:.92rem;color:var(--brand)}

/* news */
.news{border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:var(--r);padding:clamp(22px,3vw,34px)}
.news__tag{font-size:.82rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.news p:last-child{margin-top:10px;color:var(--muted);max-width:72ch}

/* faq */
.faq-wrap .sec-head{margin-bottom:28px}
.faq{display:grid;max-width:860px;border-top:1px solid var(--line)}
.qa{border-bottom:1px solid var(--line)}
.qa summary{display:flex;justify-content:space-between;align-items:center;gap:18px;list-style:none;cursor:pointer;padding:20px 0;font-weight:600;color:var(--brand);min-height:62px}
.qa summary::-webkit-details-marker{display:none}
.qa summary .ico{width:22px;height:22px;color:var(--brand);transition:transform .2s var(--ease)}
.qa[open] summary .ico{transform:rotate(45deg)}
.qa summary:hover{color:var(--accent)}
.qa__a{padding:0 0 22px;color:var(--muted);max-width:68ch}

/* cta */
.cta{background:var(--brand);color:#fff;padding:clamp(40px,6vw,64px) 0}
.cta__in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta .h2{color:#fff}
.cta p{margin-top:8px;color:rgba(255,255,255,.8)}

/* footer */
.footer{background:#071F20;color:rgba(255,255,255,.75);padding:56px 0 36px;font-size:.92rem}
.footer__grid{display:grid;gap:32px}
@media (min-width:860px){.footer__grid{grid-template-columns:1.5fr 1fr 1fr 1fr;gap:48px}}
.footer__txt{margin-top:14px;max-width:42ch}
.footer__col{display:flex;flex-direction:column;gap:8px}
.footer__col .footer__h{margin:0 0 6px;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5)}
.footer__col a{text-decoration:none;font-weight:500;color:rgba(255,255,255,.85);padding:3px 0;width:fit-content}
.footer__col a:hover{color:#fff;text-decoration:underline;text-underline-offset:4px}
.footer__legal{margin-top:32px;padding-top:24px;border-top:1px solid rgba(255,255,255,.14);display:grid;gap:10px;font-size:.8rem;line-height:1.6;color:rgba(255,255,255,.55)}
.footer__copy{color:rgba(255,255,255,.62)}

/* ---------- Calculator ---------- */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:clamp(22px,4vw,44px);min-height:240px}
.wiz-top{margin-bottom:30px}
.wiz-progress{display:grid;grid-template-columns:repeat(3,1fr);gap:6px}
.seg{position:relative;height:4px;border-radius:2px;background:var(--line);overflow:hidden}
.seg::after{content:"";position:absolute;inset:0;background:var(--brand);transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease)}
.seg.is-on::after{transform:scaleX(1)}
.wiz-meta{display:flex;justify-content:space-between;gap:12px;margin-top:10px;font-size:.85rem;color:var(--muted);font-weight:500}
#wizTitle{color:var(--brand);font-weight:600}
.wiz-h{font-size:clamp(1.4rem,2.6vw,1.9rem);margin-bottom:22px;max-width:28ch}
.calc__start{max-width:600px}
.label{display:block;font-weight:600;font-size:.92rem;color:var(--brand);margin-bottom:8px}
.calc__start .cvrbar{margin-top:0;max-width:none}
.hint{margin-top:14px;font-size:.9rem;color:var(--muted)}
.hint--sm{margin-top:8px}
.loading{display:flex;align-items:center;gap:14px;padding:10px 0}
.loading p{font-weight:500;color:var(--brand)}
.spinner{width:26px;height:26px;border-radius:50%;border:3px solid var(--line);border-top-color:var(--brand);animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

.details{display:grid;gap:28px}
@media (min-width:920px){.details{grid-template-columns:minmax(0,1.4fr) minmax(0,.8fr);gap:56px}}
.company{display:flex;align-items:center;gap:14px;padding:16px 18px;border:1px solid var(--line);border-radius:var(--r);background:var(--soft)}
.company__txt{flex:1;min-width:0}
.company__txt strong{display:block;font-weight:600;font-size:1.05rem;color:var(--brand);overflow-wrap:anywhere}
.company__txt small{display:block;color:var(--muted);font-size:.85rem;line-height:1.4;margin-top:2px}
.notice{display:flex;gap:10px;align-items:flex-start;margin-top:12px;padding:12px 14px;border-radius:var(--r);background:#FFF3E8;color:#7A3410;font-size:.9rem}
.notice .ico{width:18px;height:18px;margin-top:2px}
.field{margin-top:20px}
.field-row{display:grid;gap:0 16px}
@media (min-width:560px){.field-row{grid-template-columns:1fr 1fr}}
.label-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.label-row output{font-weight:600;color:var(--brand);white-space:nowrap}
.input,.select select,.stepper input{width:100%;height:50px;padding:0 14px;border:1.5px solid #B8C0BD;border-radius:var(--r);background:#fff;font-size:1rem}
.input:focus,.select select:focus,.stepper input:focus{outline:0;border-color:var(--brand);box-shadow:0 0 0 3px rgba(11,53,54,.15)}
.input.is-bad{border-color:var(--err)}
.select{position:relative}
.select select{appearance:none;-webkit-appearance:none;padding-right:42px;cursor:pointer}
.select .ico{position:absolute;right:14px;top:50%;transform:translateY(-50%);pointer-events:none;color:var(--brand)}
.stepper{display:flex;gap:8px}
.stepper input{text-align:center;font-weight:600;color:var(--brand)}
.stepper__btn{flex:none;width:50px;height:50px;border-radius:var(--r);border:1.5px solid #B8C0BD;background:#fff;font-size:1.4rem;color:var(--brand);line-height:1}
.stepper__btn:hover{background:var(--soft)}
.range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:linear-gradient(to right,var(--brand) var(--fill,40%),var(--line) var(--fill,40%));margin:14px 0 4px;cursor:pointer;outline-offset:6px}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--brand);cursor:grab}
.range::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--brand);cursor:grab}
.details__aside{background:var(--soft);border-radius:var(--r);padding:24px;align-self:start}
.aside__k{font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-2)}
.aside__t{margin-top:8px;font-weight:500}
.aside__l{display:grid;gap:10px;margin-top:16px;font-size:.92rem;color:var(--muted)}
.aside__l li{display:flex;gap:10px;align-items:flex-start;line-height:1.45;hyphens:manual}
.aside__l .ico{width:18px;height:18px;margin-top:2px;color:var(--ok);stroke-width:2.8}
.wiz-actions{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-top:30px;padding-top:22px;border-top:1px solid var(--line)}
@media (max-width:520px){.wiz-actions .btn--primary{flex:1}}

.calc__result{display:grid;gap:32px}
@media (min-width:940px){.calc__result{grid-template-columns:1fr 1fr;gap:48px;align-items:start}}
.result{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.result__hero{background:var(--brand);color:#fff;padding:26px 28px 24px}
.result .result__tag{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:#CFE6DA;margin:0}
.result .result__tag .ico{width:18px;height:18px;padding:3px;border-radius:50%;background:#2E8F61;color:#fff;stroke:currentColor;fill:none;stroke-width:3}
.result .result__save{margin:10px 0 0;font-size:clamp(2.3rem,5.6vw,3.5rem);font-weight:700;letter-spacing:-.03em;line-height:1.04;color:#fff;font-variant-numeric:tabular-nums}
.result .result__save b{font-weight:700;color:#fff}
.result .result__save small{font-size:1rem;font-weight:500;letter-spacing:0;color:#CFE6DA}
.result .result__pct{margin:12px 0 0;font-size:.98rem;line-height:1.45;color:#DCEBE3}
.result .result__pct b{color:#fff;font-weight:700}
.result__body{padding:22px 28px 24px}
.cmp+.cmp{margin-top:0;border-top:1px solid var(--line)}
.cmp{padding:14px 0}
.result .cmp__row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin:0;font-size:.95rem;color:var(--muted)}
.cmp__old{font-weight:600;font-variant-numeric:tabular-nums;text-decoration:line-through;text-decoration-thickness:2px;text-decoration-color:rgba(85,98,96,.5)}
.result .cmp--new .cmp__row{color:var(--brand);font-weight:600}
.cmp__new{font-size:1.55rem;font-weight:700;letter-spacing:-.02em;color:var(--brand);font-variant-numeric:tabular-nums}
.result__facts{list-style:none;margin:20px 0 0;padding:16px 0 0;border-top:1px solid var(--line);display:grid;grid-template-columns:1fr 1fr;gap:12px}
.result__facts li{display:flex;flex-direction:column;gap:2px;font-size:.88rem;font-weight:600;color:var(--ok)}
.result__facts b{font-size:1.3rem;font-weight:700;color:var(--ok);font-variant-numeric:tabular-nums}
.result .result__trust{display:flex;align-items:center;gap:8px;margin:16px 0 0;font-size:.9rem;font-weight:600;color:var(--ok)}
.result .result__trust .ico{width:16px;height:16px;flex:none;stroke:currentColor;fill:none;stroke-width:3}
.disclaimer{margin-top:14px;font-size:.8rem;line-height:1.5;color:var(--muted)}
.sumline{margin-top:14px;font-size:.9rem;color:var(--muted);line-height:1.5}

.leadform{border:1px solid var(--line);border-radius:var(--r);padding:clamp(22px,3vw,30px)}
.lead__title{font-size:1.4rem;font-weight:600;color:var(--brand);letter-spacing:-.01em}
.lead__sub{color:var(--muted);font-size:.95rem;margin-top:4px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.check{display:flex;gap:12px;align-items:flex-start;margin:18px 0 6px;cursor:pointer;font-size:.88rem;color:var(--muted);line-height:1.5;position:relative}
.check input{position:absolute;opacity:0;width:24px;height:24px}
.check__box{flex:none;width:22px;height:22px;border-radius:5px;border:1.5px solid #8F9B98;background:#fff;display:grid;place-items:center;transition:background .15s,border-color .15s;margin-top:1px}
.check__box .ico{width:15px;height:15px;color:#fff;stroke-width:3.4;opacity:0}
.check input:checked + .check__box{background:var(--brand);border-color:var(--brand)}
.check input:checked + .check__box .ico{opacity:1}
.check input:focus-visible + .check__box{outline:3px solid var(--accent);outline-offset:2px}
.check.is-bad .check__box{border-color:var(--err)}
.check a{color:var(--brand);font-weight:600}
.leadform .btn{margin-top:14px}

.calc__done{text-align:center;padding:36px 0 20px;max-width:520px;margin-inline:auto}
.done__ico{display:grid;place-items:center;width:60px;height:60px;margin:0 auto 18px;border-radius:50%;background:var(--ok);color:#fff}
.done__ico .ico{width:30px;height:30px;stroke-width:3}
.calc__done h3{font-size:1.8rem;font-weight:600;color:var(--brand);letter-spacing:-.02em}
.calc__done p{color:var(--muted);margin:10px 0 24px}

/* ---------- Reveal (light fade only) ---------- */
.js [data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .9s var(--ease-out),transform .9s var(--ease-out);transition-delay:var(--d,0s)}
.js [data-reveal].is-in{opacity:1;transform:none}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
  .js [data-reveal]{opacity:1!important;transform:none!important}
}

.header.shadow{box-shadow:0 2px 12px rgba(11,53,54,.07)}


/* =====================================================================
   Fullscreen calculator: the hero form expands into this overlay
   ===================================================================== */
.hero__alt{margin-top:14px;font-size:.92rem;color:var(--muted)}
html.wiz-lock{overflow:hidden}
.wiz{position:fixed;inset:0;z-index:100;background:#fff;display:flex;flex-direction:column;opacity:0;clip-path:inset(0 0 0 0 round 0);transition:clip-path .8s var(--ease-out),opacity .35s ease}
.wiz.is-open{opacity:1}
.wiz__bar{flex:none;display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px;padding:0 var(--gutter);border-bottom:1px solid var(--line);opacity:0;transition:opacity .3s .2s}
.wiz__body{flex:1;overflow-y:auto;-webkit-overflow-scrolling:touch;padding:clamp(28px,5vw,56px) var(--gutter) 96px;opacity:0;transition:opacity .3s .25s}
.wiz.is-open .wiz__bar,.wiz.is-open .wiz__body{opacity:1}
.wiz__in{max-width:980px;margin:0 auto}
.wiz__close{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0 14px;border:1.5px solid var(--line);border-radius:var(--r);background:#fff;color:var(--brand);font-weight:600;font-size:.95rem}
.wiz__close:hover{border-color:var(--brand);background:var(--soft)}
.wiz .calc{border:0;padding:0;min-height:0;border-radius:0}
.calc__pane{animation:paneIn .55s var(--ease-out) both;transition:opacity .18s ease,transform .18s ease}
.calc__pane.is-leaving{opacity:0;transform:translateY(-6px)}
.calc__pane:focus{outline:0}
@keyframes paneIn{from{opacity:0;transform:translateY(14px)}}
.done__btns{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
@media (max-width:520px){.wiz__bar{height:60px}.wiz__body{padding-bottom:72px}.done__btns .btn{width:100%}}


/* ---------- QA fixes ---------- */
.kicker{hyphens:manual;-webkit-hyphens:manual}
.logo{min-height:44px}
@media (max-width:420px){.kicker{font-size:.76rem;letter-spacing:.04em}}
@media (max-width:380px){
  .header__in{gap:8px}
  .logo__text{font-size:.78rem}
  .logo__mark{width:22px;height:22px}
  .logo{gap:6px}
  .header .btn--sm{padding:0 12px;font-size:.84rem;min-height:40px}
}
/* comfortable tap targets for footer + nav links on touch screens */
@media (max-width:820px){
  .footer__col a{padding:11px 0}
  .footer__col{gap:0}
  .footer__legal a{padding:6px 0}
}
.wiz__body{overscroll-behavior:contain}


/* ---------- Smoothness pass ---------- */
.btn--primary:hover{transform:translateY(-1px);box-shadow:0 8px 20px -8px rgba(194,65,12,.55)}
.btn--primary:active{transform:translateY(0);box-shadow:none}
.bran:hover{transform:translateY(-4px)}
.bran__img img{transition:transform 1s var(--ease-out)}
.bran:hover .bran__img img{transform:scale(1.05)}
.tile{transition:transform .5s var(--ease-out),box-shadow .4s var(--ease),border-color .3s}
.tile:hover{transform:translateY(-3px);box-shadow:0 18px 40px -22px rgba(20,35,31,.3);border-color:transparent}
.header{transition:box-shadow .4s var(--ease)}
.js .hero__banner img,.js .bran__img img{opacity:0;transition:opacity .8s var(--ease),transform 1s var(--ease-out)}
.js .hero__banner img.is-loaded,.js .bran__img img.is-loaded{opacity:1}
.hero__banner img{animation:none}
.hero__banner img.is-loaded{transform:none}
.input,.select select,.stepper input,.cvrbar input{transition:border-color .25s,box-shadow .3s var(--ease)}
.cvrbar{transition:box-shadow .3s var(--ease)}
details.qa{interpolate-size:allow-keywords}
details.qa::details-content{height:0;overflow:clip;transition:height .45s var(--ease-out),content-visibility .45s allow-discrete}
details.qa[open]::details-content{height:auto}
@media (prefers-reduced-motion:reduce){.hero__banner img,.bran__img img{opacity:1!important}}

/* ---------- contact step + result reveal ---------- */
.opt{font-weight:400;color:var(--muted);font-size:.85em}
.contact{max-width:620px}
.contact .leadform{border:0;padding:0}
.calc__done .result{text-align:left;margin:22px auto 8px;max-width:520px}
.calc__done .sumline{max-width:520px;margin-inline:auto}
.calc__done{max-width:640px}

/* collapsed optional extras */
.more{margin-top:22px;border-top:1px solid var(--line)}
.more summary{display:flex;justify-content:space-between;align-items:center;gap:14px;cursor:pointer;list-style:none;padding:16px 0;font-weight:600;color:var(--brand);min-height:56px}
.more summary::-webkit-details-marker{display:none}
.more summary .ico{width:22px;height:22px;flex:none;transition:transform .3s var(--ease-out)}
.more[open] summary .ico{transform:rotate(45deg)}
.more__in{padding-bottom:6px}


/* ---------- Scroll effects ---------- */
.header{transition:transform .55s var(--ease-out),box-shadow .4s var(--ease)}
.header.is-hidden{transform:translateY(-102%)}
[data-parallax]{will-change:transform}
.hero__banner{isolation:isolate}
/* headings wipe in like a curtain */
.js [data-reveal] .h2{clip-path:inset(0 0 100% 0);transform:translateY(18px);transition:clip-path 1.1s var(--ease-out) .12s,transform 1.1s var(--ease-out) .12s}
.js [data-reveal].is-in .h2{clip-path:inset(-30% -6% -30% -6%);transform:none}
/* coverage: sticky heading beside the tiles */
@media (min-width:1000px){
  .split{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.6fr);gap:72px;align-items:start}
  .split__head{position:sticky;top:120px;margin-bottom:0}
  .split .tiles{grid-template-columns:repeat(2,1fr)}
}
/* closing band: large shield watermark drifting with the scroll */
.cta{position:relative;overflow:hidden}
.cta__mark{position:absolute;right:-60px;top:50%;width:min(46vw,420px);height:auto;margin-top:-210px;opacity:.07;pointer-events:none}
.cta__in{position:relative}
@media (prefers-reduced-motion:reduce){.js [data-reveal] .h2{clip-path:none!important;transform:none!important}.header.is-hidden{transform:none}}

.hero__banner img{transition:opacity .8s var(--ease)}


/* optional block is always visible */
.more{margin-top:26px;padding-top:20px;border-top:1px solid var(--line)}
.more__h{font-weight:600;color:var(--brand);margin-bottom:2px}

/* confirmation: two columns, fits the screen without scrolling */
.calc__done{max-width:980px;margin-inline:auto;text-align:left;padding:4px 0 0;display:grid;gap:28px;align-items:center}
@media (min-width:900px){.calc__done{grid-template-columns:1fr 1fr;gap:64px;min-height:min(520px,60vh)}}
.calc__done .done__ico{width:52px;height:52px;margin:0 0 18px}
.calc__done .done__ico .ico{width:26px;height:26px}
.calc__done h3{font-size:clamp(2rem,3.6vw,2.9rem);line-height:1.08}
.calc__done .done__main p{margin:14px 0 26px;max-width:40ch}
.calc__done .done__btns{justify-content:flex-start}
@media (max-width:899px){.calc__done .done__ico{width:44px;height:44px;margin-bottom:12px}.calc__done .done__main p{margin:10px 0 18px}}

/* confirmation on phones: savings first, everything compact so it fits one screen */
@media (max-width:899px){
  .wiz__body{padding-top:16px;padding-bottom:20px}
  .wiz-top{margin-bottom:16px}
  .calc__done{gap:16px;padding:0}
  .calc__done .done__card{order:-1}
  .calc__done .done__ico{display:none}
  .calc__done h3{font-size:1.55rem}
  .calc__done .done__main p{margin:6px 0 14px;font-size:.95rem}
  .calc__done .done__btns .btn--outline{display:none}
  .calc__done .done__btns .btn{width:100%}
      .calc__done .disclaimer{margin-top:10px;font-size:.74rem;line-height:1.4}
}
@media (max-width:899px) and (max-height:700px){
  .calc__done .done__main p{display:none}
  }

/* ---------- Cookie banner ---------- */
.footer__btn{background:none;border:0;padding:3px 0;font:inherit;font-weight:500;color:rgba(255,255,255,.85);text-align:left;cursor:pointer;width:fit-content}
.footer__btn:hover{color:#fff;text-decoration:underline;text-underline-offset:4px}
.cc{position:fixed;left:16px;right:16px;bottom:16px;z-index:200;max-width:520px;background:var(--paper);border:1px solid var(--line);border-radius:20px;box-shadow:0 30px 70px -20px rgba(20,35,31,.4);padding:22px;max-height:calc(100vh - 32px);overflow:auto;opacity:0;transform:translateY(16px);transition:opacity .45s var(--ease),transform .6s var(--ease-out)}
.cc.is-open{opacity:1;transform:none}
@media (min-width:640px){.cc{left:24px;right:auto;bottom:24px}}
.cc__h{font-size:1.15rem;font-weight:600;color:var(--brand);letter-spacing:-.01em;margin:0 0 8px}
.cc__p{font-size:.92rem;color:var(--muted);line-height:1.55;margin:0}
.cc__p a{color:var(--brand);font-weight:600}
.cc__btns{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:16px}
.cc__btn{min-height:46px;padding:0 14px;border-radius:12px;border:1.5px solid var(--brand);background:var(--brand);color:#fff;font:inherit;font-weight:600;font-size:.95rem;cursor:pointer;transition:background .25s,color .25s,transform .25s var(--ease)}
.cc__btn:hover{background:var(--brand-2);border-color:var(--brand-2)}
.cc__btn--link{grid-column:1/-1;order:3;background:none;border-color:transparent;color:var(--brand);text-decoration:underline;text-underline-offset:3px;min-height:40px}
.cc__btn--link:hover{background:var(--soft);color:var(--brand)}
.cc__settings{margin-top:14px;border-top:1px solid var(--line);padding-top:6px}
.cc__row{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line);cursor:pointer}
.cc__rt{display:flex;flex-direction:column;gap:2px;min-width:0}
.cc__rt b{font-weight:600;color:var(--brand);font-size:.95rem}
.cc__rt span{font-size:.84rem;color:var(--muted);line-height:1.45}
.cc__row input{position:absolute;opacity:0;width:1px;height:1px}
.cc__sw{position:relative;flex:none;width:46px;height:26px;border-radius:99px;background:#B8C0BD;transition:background .3s}
.cc__sw::after{content:"";position:absolute;left:3px;top:3px;width:20px;height:20px;border-radius:50%;background:#fff;transition:transform .35s var(--ease-out);box-shadow:0 1px 3px rgba(0,0,0,.25)}
.cc__row input:checked + .cc__sw{background:var(--brand)}
.cc__row input:checked + .cc__sw::after{transform:translateX(20px)}
.cc__row input:disabled + .cc__sw{opacity:.6}
.cc__row input:focus-visible + .cc__sw{outline:3px solid var(--accent);outline-offset:2px}
.cc__btns--save{grid-template-columns:1fr;margin-top:14px}
@media (prefers-reduced-motion:reduce){.cc{transition:none;transform:none}}

/* branche detail: risks + level */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.chips li{font-size:.82rem;padding:5px 12px;border-radius:99px;background:var(--paper);border:1px solid var(--line);color:var(--brand)}
.risk{display:flex;align-items:center;gap:10px;margin-top:16px;font-size:.88rem}
.pips{display:flex;gap:4px}
.pips u{display:block;width:22px;height:6px;border-radius:3px;background:var(--line);text-decoration:none;transition:background .4s}
.pips[data-level="1"] u:nth-child(-n+1),.pips[data-level="2"] u:nth-child(-n+2),.pips[data-level="3"] u:nth-child(-n+3),.pips[data-level="4"] u:nth-child(-n+4){background:var(--brand)}
.pips[data-level="4"] u{background:var(--accent)}
.risk b{font-weight:600;color:var(--brand)}
@media (max-width:899px){
  .bran{align-items:center}
  .bran__d{display:none}
  .bran__go{margin-top:0}
  .bran__thumb{width:72px;height:56px}
  .bran__t{display:block;white-space:normal;margin-top:3px;font-size:.88rem;line-height:1.35}
}

/* result card: compact on phones */
.calc__done .result{margin:0;max-width:none}
@media (max-width:899px){
  .result__hero{padding:20px 20px 18px}
  .result__body{padding:16px 20px 18px}
  .result .result__save{font-size:2.4rem}
  .result .result__save small{display:block;margin-top:6px}
  .result .result__pct{font-size:.92rem;margin-top:8px}
  .result__facts{margin-top:14px;padding-top:12px}
  .result .result__trust{margin-top:12px}
}
@media (max-width:899px) and (max-height:700px){
  .result__facts{display:none}
}
.result .disclaimer{margin:12px 0 0;color:var(--muted)}

/* ---------- mobile polish ---------- */
@media (max-width:860px){
  /* 1. hero: form and button visible without scrolling */
  .hero__banner{aspect-ratio:2/1}
  .hero__card{margin-top:-44px}
  .hero__title{font-size:clamp(1.85rem,8vw,2.4rem);margin:10px 0 12px}
  .hero__lead{font-size:1rem;line-height:1.5}
  /* 3. shorter page */
  .section{padding:44px 0}
  .section--tight{padding:0 0 44px}
  .sec-head{margin-bottom:22px}
  .cols3{gap:18px}
  .col{padding-top:14px}
  .col p{font-size:.97rem;line-height:1.55}
  .fact{padding:18px 0}
  .tiles{gap:10px}
  .tile{display:grid;grid-template-columns:30px 1fr;column-gap:14px;padding:16px 18px;border-radius:16px}
  .tile .ico{grid-row:1/3;margin:2px 0 0;width:26px;height:26px}
  .tile h3{margin:0 0 3px;font-size:1.1rem}
  .tile p{font-size:.94rem;line-height:1.5}
  .faq .qa summary{padding-block:16px}
  .cta{padding:36px 0}
  /* 4. comfortable tap targets */
  .linkbtn{min-height:44px;display:inline-flex;align-items:center}
  .hero__alt{margin-top:6px}
  .footer__btn{padding:12px 0}
  /* 7. readable small print */
  .footer__legal{font-size:.84rem}
  .calc__done .disclaimer{font-size:.8rem}
}

/* 2. sticky call-to-action on phones */
.stickycta{display:none}
@media (max-width:860px){
  .stickycta{display:block;position:fixed;left:0;right:0;bottom:0;z-index:40;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(20,35,31,.08);opacity:0;visibility:hidden;transition:opacity .25s var(--ease),visibility 0s linear .25s}
  .stickycta.is-on{opacity:1;visibility:visible;transition-delay:0s}
  .stickycta .btn{width:100%;justify-content:center}
  .wiz-lock .stickycta{display:none}
  body{padding-bottom:0}
}
@media (prefers-reduced-motion:reduce){.stickycta{transition:none}}

/* hero on phones: banner and white card run edge to edge */
@media (max-width:860px){
  .hero{padding-top:0;padding-bottom:40px}
  .hero > .wrap{padding-inline:0}
  .hero__banner{border-radius:0}
  .hero__card{width:100%;margin:-36px 0 0;border-radius:24px 24px 0 0;padding-inline:max(22px,var(--gutter));box-shadow:0 -10px 30px -18px rgba(20,35,31,.3)}
}

/* result: one single block (banner + numbers + next step) */
.calc__done{display:block;max-width:620px;margin-inline:auto;padding:0;min-height:0;text-align:left}
@media (min-width:900px){.calc__done{display:block;grid-template-columns:none;min-height:0;gap:0}}
.calc__done .result{margin:0;max-width:none}
.result .result__save small{white-space:nowrap}
.result__next{margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}
.calc__done .result__next p{margin:0 0 14px;color:var(--ink);font-size:1rem;line-height:1.5;max-width:none}
.calc__done .result__next .done__btns{justify-content:flex-start}
@media (max-width:899px){.result__next{margin-top:14px;padding-top:14px}.calc__done .result__next p{font-size:.95rem;margin-bottom:12px}}
.field-note{margin:8px 0 0;font-size:.88rem;line-height:1.45;color:#7A3410}

/* simpler scroll reveal: soft fade + small rise, no clipping or wipes */
.js [data-reveal]{transform:translateY(14px);transition:opacity .6s ease,transform .6s ease;transition-delay:var(--d,0s)}
.js [data-reveal].is-in{opacity:1;transform:none}
.js [data-reveal] .h2,.js [data-reveal].is-in .h2{clip-path:none;transform:none;transition:none}
.js .col[data-reveal]::before,.js .col[data-reveal].is-in::before{transform:none;transition:none}