:root{--navy:#071d2b;--navy2:#0d2f40;--teal:#18a999;--mint:#8ee3cf;--amber:#f2b84b;--ink:#10212b;--muted:#526671;--paper:#f7faf9;--white:#fff;--line:#dce8e5;--danger:#b93838;--radius:18px;--shadow:0 16px 50px rgba(7,29,43,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.68}a{color:inherit}img{max-width:100%;height:auto;display:block}.container{width:min(1160px,calc(100% - 32px));margin:auto}.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:99}.site-header{position:sticky;top:0;z-index:20;background:rgba(7,29,43,.96);color:#fff;border-bottom:1px solid rgba(255,255,255,.1)}.nav{min-height:72px;display:flex;align-items:center;gap:24px}.brand{font-weight:850;font-size:1.25rem;text-decoration:none;letter-spacing:-.03em}.brand span{color:var(--mint)}.menu{display:flex;gap:20px;margin-left:auto}.menu a{text-decoration:none;font-size:.92rem}.lang{border:1px solid #5c7581;border-radius:999px;padding:7px 11px;background:transparent;color:#fff;cursor:pointer}.mobile-toggle{display:none;margin-left:auto;background:none;border:1px solid #607985;color:#fff;border-radius:8px;padding:8px}.hero{background:var(--navy);color:#fff;min-height:650px;display:grid;align-items:center;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,29,43,.98) 0%,rgba(7,29,43,.9) 44%,rgba(7,29,43,.12) 100%)}.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero-grid{position:relative;z-index:2;max-width:690px;padding:80px 0}.eyebrow{display:inline-flex;gap:8px;align-items:center;color:var(--mint);font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.12em}.hero h1{font-size:clamp(2.5rem,6vw,4.7rem);line-height:1.02;letter-spacing:-.055em;margin:16px 0 20px}.lead{font-size:1.18rem;color:#d5e5e6}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 22px;border-radius:10px;background:var(--teal);color:#fff;text-decoration:none;font-weight:800;border:0}.btn:hover{background:#118d81}.btn-secondary{background:transparent;border:1px solid #78909a}.micro{font-size:.78rem;color:#aec1c6}.riskbar{background:#fff3d8;color:#543b09;border-bottom:1px solid #efd596;padding:10px;text-align:center;font-size:.82rem}.section{padding:80px 0}.section.alt{background:#fff}.kicker{color:#087d72;font-weight:800;text-transform:uppercase;letter-spacing:.1em;font-size:.78rem}.section h2{font-size:clamp(1.9rem,4vw,3rem);line-height:1.12;letter-spacing:-.04em;margin:8px 0 16px}.answer{font-size:1.12rem;font-weight:650;max-width:760px}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 8px 28px rgba(7,29,43,.05)}.card h3{margin-top:0}.feature-num{width:36px;height:36px;border-radius:9px;background:#dff6f0;color:#087d72;display:grid;place-items:center;font-weight:900;margin-bottom:15px}.media{border-radius:24px;overflow:hidden;box-shadow:var(--shadow)}.split{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}.steps{counter-reset:step}.step{position:relative;padding-left:62px;margin:28px 0}.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900}.quote{border-left:4px solid var(--teal);padding:8px 0 8px 22px;font-size:1.25rem;font-weight:650}.quote cite{display:block;font-size:.85rem;color:var(--muted);margin-top:8px}.pros{border-top:4px solid var(--teal)}.cons{border-top:4px solid var(--amber)}.checklist{padding:0;list-style:none}.checklist li{margin:11px 0;padding-left:26px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;color:#078576;font-weight:900}.cons .checklist li:before{content:"—";color:#9b6800}.notice{background:#eef7f5;border:1px solid #c9e7e0;border-radius:14px;padding:20px}.testimonial{position:relative}.testimonial:before{content:"Illustrativ profil";font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;color:#805b0a;background:#fff0bf;border-radius:99px;padding:4px 8px}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;padding:18px}.faq summary{font-weight:800;cursor:pointer}.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:26px;padding:54px}.site-footer{background:#04131c;color:#c7d4d8;padding:55px 0 22px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}.footer-links{display:grid;gap:8px}.footer-links a{color:#d5e0e3}.legal{border-top:1px solid #263c46;margin-top:34px;padding-top:18px;font-size:.78rem}.page-hero{background:var(--navy);color:#fff;padding:72px 0}.prose{max-width:820px}.prose h2{margin-top:42px}.badge{display:inline-block;background:#e4f6f1;color:#086f66;border-radius:99px;padding:5px 10px;font-size:.75rem;font-weight:800}@media(max-width:800px){.menu{display:none;position:absolute;top:72px;left:0;right:0;background:var(--navy);padding:20px;flex-direction:column}.menu.open{display:flex}.mobile-toggle{display:block}.nav .lang{margin-left:0}.grid-2,.grid-3,.split,.footer-grid{grid-template-columns:1fr}.hero{min-height:610px}.hero:after{background:linear-gradient(90deg,rgba(7,29,43,.98),rgba(7,29,43,.72))}.section{padding:60px 0}.cta{padding:32px 24px}}