:root {
  --paper: #F6F4EF;
  --paper-2: #ECE9E1;
  --ink: #141414;
  --text: #45443F;
  --muted: #6B6960;
  --line: #D9D5CA;
  --teal: #0F6B5C;
  --teal-hover: #0B5548;
  --teal-soft: #DCEEE8;
  --coral: #E4572E;
  --white: #FFFFFF;
  --head: 'Newsreader', Georgia, serif;
  --body: 'DM Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--body); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
svg { display: block; }
a { color: var(--ink); }
a:hover { color: var(--teal); }
h1, h2, h3 { font-family: var(--head); font-weight: 500; margin: 0; letter-spacing: -0.02em; }
p { margin: 0; }
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.kicker { font-size: 13px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }

/* Header */
header { border-bottom: 1px solid var(--line); }
.head { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 76px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.logo span { font-family: var(--head); font-weight: 600; font-size: 32px; letter-spacing: -0.03em; line-height: 1; }
.nav { display: flex; gap: 28px; align-items: center; font-size: 15px; font-weight: 500; }
.nav a { text-decoration: none; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 0 24px; border-radius: 999px; font-family: var(--body); font-size: 16px; font-weight: 600; text-decoration: none; border: 1.5px solid var(--ink); background: var(--ink); color: var(--white); cursor: pointer; }
.btn:hover { background: var(--teal); border-color: var(--teal); color: var(--white); }
.btn-ghost { background: transparent; color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: var(--white); border-color: var(--ink); }
.btn-lg { min-height: 58px; padding: 0 30px; font-size: 18px; }

/* Hero */
.hero { padding: 88px 0 40px; }
.hero h1 { font-size: clamp(42px, 7vw, 96px); line-height: .98; letter-spacing: -0.035em; max-width: 1050px; }
.hero h1 s { text-decoration-thickness: 4px; text-decoration-color: var(--coral); color: var(--muted); }
.hero h1 em { color: var(--teal); }
.hero .sub { margin-top: 28px; font-size: 20px; color: var(--text); max-width: 620px; }

/* Need picker */
.picker { margin-top: 56px; padding-top: 32px; border-top: 1px solid var(--line); }
.picker-q { font-family: var(--head); font-size: 28px; margin-bottom: 20px; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip { font-family: var(--body); font-size: 16px; font-weight: 600; min-height: 48px; padding: 0 22px; border-radius: 999px; border: 1.5px solid var(--ink); background: transparent; color: var(--ink); cursor: pointer; }
.chip:hover { background: var(--paper-2); }
.chip[aria-pressed="true"] { background: var(--ink); color: var(--white); }

/* Answer */
.answer { margin-top: 40px; display: grid; grid-template-columns: 1fr 1.25fr; gap: 24px; }
.panel { background: var(--white); border-radius: 24px; padding: 36px; }
.answer-text { display: flex; flex-direction: column; gap: 18px; }
.answer-text h2 { font-size: clamp(28px, 3vw, 38px); line-height: 1.12; }
.answer-text p { color: var(--text); }
.answer-text .btn { align-self: flex-start; margin-top: 8px; }

/* Year chart */
.chart-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; flex-wrap: wrap; margin-bottom: 20px; }
.chart-head h3 { font-size: 22px; }
.legend { display: flex; gap: 18px; font-size: 14px; color: var(--muted); flex-wrap: wrap; }
.legend i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }
.chart { position: relative; height: 240px; display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 6px; align-items: end; border-bottom: 1.5px solid var(--ink); }
.loanline { position: absolute; left: 0; right: 0; border-top: 2px dashed var(--coral); }
.loanline span { position: absolute; right: 0; top: -26px; font-size: 13px; font-weight: 600; color: var(--coral); background: var(--white); padding: 0 4px; }
.bar { background: var(--teal); border-radius: 6px 6px 0 0; min-height: 0; transition: height .35s ease; }
.months { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 6px; margin-top: 8px; font-size: 12px; color: var(--muted); text-align: center; }
.stats { margin-top: 28px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.stat b { display: block; font-family: var(--head); font-weight: 600; font-size: 34px; line-height: 1.1; letter-spacing: -0.02em; }
.stat span { font-size: 14px; color: var(--muted); }
.stat.hi b { color: var(--teal); }
.note { margin-top: 18px; font-size: 13px; color: var(--muted); }

/* Fine print in large print */
.fine { padding: 120px 0 40px; }
.fine-head { display: flex; justify-content: space-between; align-items: end; gap: 24px; flex-wrap: wrap; margin-bottom: 48px; }
.fine-head h2 { font-size: clamp(40px, 6vw, 80px); line-height: 1; letter-spacing: -0.03em; }
.fine-head h2 small { display: block; font-size: 15px; font-family: var(--body); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: 16px; }
.fine-head p { max-width: 380px; color: var(--text); }
.rules { list-style: none; margin: 0; padding: 0; border-top: 1.5px solid var(--ink); }
.rules li { display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: baseline; padding: 26px 0; border-bottom: 1px solid var(--line); }
.rules .what { font-size: 18px; color: var(--text); }
.rules .val { font-family: var(--head); font-size: clamp(30px, 4vw, 52px); line-height: 1; letter-spacing: -0.02em; text-align: right; }
.rules .val.zero { color: var(--teal); }

/* Steps */
.steps { padding: 120px 0 40px; }
.steps h2 { font-size: clamp(34px, 4.4vw, 56px); line-height: 1.05; max-width: 760px; margin-bottom: 48px; }
.step-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.step { border-top: 1.5px solid var(--ink); padding-top: 22px; display: flex; flex-direction: column; gap: 10px; }
.step .n { font-family: var(--head); font-size: 64px; line-height: 1; color: var(--teal); }
.step h3 { font-size: 24px; }
.step p { color: var(--text); font-size: 16px; }

/* CTA */
.cta { margin: 120px 0 0; background: var(--ink); color: var(--white); }
.cta .wrap { padding-top: 96px; padding-bottom: 96px; display: flex; flex-wrap: wrap; gap: 32px; justify-content: space-between; align-items: end; }
.cta h2 { font-size: clamp(38px, 5.5vw, 72px); line-height: 1; letter-spacing: -0.03em; max-width: 760px; }
.cta h2 em { color: #7CC3B1; }
.cta p { color: #BDBBB3; margin-top: 18px; }
.cta .btn { background: var(--white); color: var(--ink); border-color: var(--white); }
.cta .btn:hover { background: #7CC3B1; border-color: #7CC3B1; color: var(--ink); }
footer { background: var(--ink); color: #A9A79F; font-size: 14px; border-top: 1px solid #2E2E2B; }
footer .wrap { padding-top: 28px; padding-bottom: 28px; display: flex; flex-wrap: wrap; gap: 16px 28px; justify-content: space-between; }
footer a { color: #D7D5CD; text-decoration: none; }
footer a:hover { color: var(--white); }
.links { display: flex; flex-wrap: wrap; gap: 20px; }

@media (max-width: 900px) {
  .nav .hide-m { display: none; }
  .answer, .step-row { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; }
  .panel { padding: 24px; }
  .chart { height: 180px; gap: 4px; }
  .months { gap: 4px; font-size: 11px; }
}
@media (max-width: 560px) {
  .hero { padding-top: 56px; }
  .rules li { grid-template-columns: 1fr; gap: 6px; }
  .rules .val { text-align: left; }
  .nav .login { display: none; }
}

/* v4b */
.prod { color: var(--teal); margin-right: 8px; }
.prod::after { content: '·'; margin-left: 8px; color: var(--muted); }
.calc-intro { color: var(--text); font-size: 15px; margin-bottom: 20px; }
.calc-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.calc-grid label { display: flex; flex-direction: column; gap: 6px; font-size: 14px; font-weight: 600; color: var(--text); }
.calc-grid input { font-family: var(--body); font-size: 18px; font-weight: 600; color: var(--ink); padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 12px; background: var(--paper); min-height: 48px; width: 100%; }
.calc-grid input:focus { outline: 2px solid var(--teal); outline-offset: 1px; border-color: var(--teal); }
.sec-title { font-size: clamp(34px, 4.6vw, 60px); line-height: 1.04; letter-spacing: -0.03em; max-width: 900px; margin-bottom: 48px; }
.sec-title em { color: var(--teal); }
.products { padding: 120px 0 0; }
.prod-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.prod-card { background: var(--white); border-radius: 24px; padding: 40px; display: flex; flex-direction: column; gap: 20px; }
.prod-card h3 { font-size: clamp(26px, 2.6vw, 34px); line-height: 1.12; }
.prod-card .btn { align-self: flex-start; margin-top: auto; }
.prod-card.dark { background: var(--teal); color: var(--white); }
.prod-card.dark .kicker { color: #CFEDE5; }
.prod-card.dark .ticks li { color: #E6F4F0; }
.prod-card.dark .ticks li::before { background-color: var(--white); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.5 12.5l3.5 3.5 7.5-8' fill='none' stroke='%230F6B5C' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); }
.prod-card.dark .btn { background: var(--white); color: var(--ink); border-color: var(--white); }
.prod-card.dark .btn:hover { background: var(--ink); color: var(--white); border-color: var(--ink); }
.ticks { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.ticks li { display: flex; gap: 12px; align-items: flex-start; color: var(--text); }
.ticks li::before { content: ''; flex: none; width: 22px; height: 22px; margin-top: 2px; border-radius: 50%; background: var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.5 12.5l3.5 3.5 7.5-8' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }
.beliefs { padding: 120px 0 0; }
.belief-row { margin-top: 24px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.belief { border-top: 1.5px solid var(--ink); padding-top: 22px; display: flex; flex-direction: column; gap: 12px; }
.belief h3 { font-size: 30px; line-height: 1.1; }
.belief p { color: var(--text); font-size: 16px; }
.rules-title { font-size: 26px; margin: 48px 0 12px; }
.rules-title:first-of-type { margin-top: 0; }
.cta-btns { display: flex; flex-wrap: wrap; gap: 12px; }
.cta .btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.cta .btn-outline:hover { background: var(--white); color: var(--ink); border-color: var(--white); }
@media (max-width: 900px) {
  .prod-row, .belief-row { grid-template-columns: 1fr; }
  .prod-card { padding: 28px; }
}
@media (max-width: 560px) { .calc-grid { grid-template-columns: 1fr; } }

/* Undersidor */
.nav a[aria-current="page"] { color: var(--teal); }
.phero { padding: 80px 0 24px; }
.phero h1 { font-size: clamp(40px, 6vw, 80px); line-height: 1; letter-spacing: -0.035em; max-width: 980px; margin-top: 16px; }
.phero h1 em { color: var(--teal); }
.phero .sub { margin-top: 24px; font-size: 20px; color: var(--text); max-width: 640px; }
.phero .btn-row { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.phero .small-note { font-size: 14px; color: var(--muted); }
.section { padding: 96px 0 0; }
.sec-lead { color: var(--text); max-width: 640px; margin: -28px 0 40px; font-size: 18px; }

/* Kreditmätare */
.meter { display: grid; grid-template-columns: 1fr 1.1fr; gap: 24px; margin-top: 56px; }
.meter .panel { display: flex; flex-direction: column; gap: 22px; }
.slider label { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; font-weight: 600; font-size: 15px; color: var(--text); }
.slider output { font-family: var(--head); font-size: 30px; font-weight: 600; color: var(--ink); }
.slider input { width: 100%; accent-color: var(--teal); height: 32px; margin: 6px 0 0; }
.gauge { height: 18px; border-radius: 999px; background: var(--teal-soft); overflow: hidden; }
.gauge span { display: block; height: 100%; background: var(--teal); border-radius: 999px; transition: width .25s ease; }
.gauge-legend { display: flex; justify-content: space-between; gap: 12px; font-size: 14px; color: var(--muted); margin-top: 10px; }
.gauge-legend b { color: var(--ink); }
.meter .stats { margin-top: 4px; }

/* Användning */
.uses { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; }
.use { background: var(--white); border-radius: 18px; padding: 22px; display: flex; flex-direction: column; gap: 8px; }
.use h3 { font-size: 21px; line-height: 1.15; }
.use p { font-size: 15px; color: var(--text); }

/* Kontroll */
.control { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.control h2 { font-size: clamp(34px, 4.4vw, 56px); line-height: 1.05; }
.control h2 em { color: var(--teal); }
.control .prose { display: flex; flex-direction: column; gap: 18px; color: var(--text); font-size: 18px; }

/* FAQ */
.faq { max-width: 860px; }
.faq details { border-top: 1px solid var(--line); padding: 0; }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 22px 0; font-family: var(--head); font-size: 24px; display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; font-family: var(--body); font-size: 26px; color: var(--teal); line-height: 1; }
.faq details[open] summary::after { content: '–'; }
.faq details p { padding: 0 0 24px; color: var(--text); max-width: 720px; }

@media (max-width: 1000px) { .uses { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 900px) { .meter, .control { grid-template-columns: 1fr; gap: 24px; } }
@media (max-width: 560px) { .uses { grid-template-columns: 1fr; } .phero { padding-top: 56px; } }

/* Företagslån */
.ph { background: #FFF1B8; border-radius: 6px; padding: 0 6px; }
.loan { display: grid; grid-template-columns: 1fr 1.25fr; gap: 24px; margin-top: 56px; }
.loan .panel { display: flex; flex-direction: column; gap: 22px; }
.big-pay { font-family: var(--head); font-size: clamp(44px, 5vw, 64px); line-height: 1; letter-spacing: -0.03em; color: var(--teal); }
.big-pay small { font-family: var(--body); font-size: 16px; color: var(--muted); letter-spacing: 0; margin-left: 6px; }
.amort { height: 200px; display: flex; align-items: flex-end; gap: 3px; border-bottom: 1.5px solid var(--ink); }
.amort div { flex: 1; display: flex; flex-direction: column-reverse; height: 100%; }
.amort .p { background: var(--teal); }
.amort .i { background: var(--coral); border-radius: 3px 3px 0 0; }
.amort-axis { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); margin-top: 8px; }
.refi { background: var(--teal); color: var(--white); border-radius: 24px; padding: 48px; display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; }
.refi h2 { font-size: clamp(32px, 4vw, 52px); line-height: 1.05; }
.refi h2 em { color: #CFEDE5; }
.refi p { color: #E6F4F0; }
.refi .ticks li { color: #E6F4F0; }
.refi .ticks li::before { background-color: var(--white); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.5 12.5l3.5 3.5 7.5-8' fill='none' stroke='%230F6B5C' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); }
.refi .btn { background: var(--white); color: var(--ink); border-color: var(--white); align-self: flex-start; }
.refi .btn:hover { background: var(--ink); color: var(--white); border-color: var(--ink); }
.refi-copy { display: flex; flex-direction: column; gap: 18px; }
@media (max-width: 900px) { .loan, .refi { grid-template-columns: 1fr; } .refi { padding: 28px; } .amort { height: 150px; gap: 2px; } }

/* Frågor & svar */
.faq-jump { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 32px; }
.faq-jump a { display: inline-flex; align-items: center; min-height: 44px; padding: 0 18px; border-radius: 999px; border: 1.5px solid var(--ink); text-decoration: none; font-weight: 600; font-size: 15px; }
.faq-jump a:hover { background: var(--ink); color: var(--white); }
.faq-group { display: grid; grid-template-columns: 0.7fr 1.3fr; gap: 48px; padding-top: 72px; scroll-margin-top: 24px; }
.faq-group h2 { font-size: clamp(30px, 3.4vw, 44px); line-height: 1.08; }
.faq-group h2 + p { margin-top: 14px; color: var(--text); font-size: 16px; }
.faq-group .faq { max-width: none; }
.contact-strip { margin-top: 96px; background: var(--white); border-radius: 24px; padding: 40px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 24px; }
.contact-strip h2 { font-size: clamp(28px, 3vw, 38px); }
.contact-strip p { color: var(--text); margin-top: 8px; }
@media (max-width: 900px) { .faq-group { grid-template-columns: 1fr; gap: 16px; padding-top: 56px; } .contact-strip { padding: 28px; } }

/* Mobilmeny */
.menu-btn { display: none; width: 48px; height: 48px; border-radius: 999px; border: 1.5px solid var(--ink); background: transparent; align-items: center; justify-content: center; cursor: pointer; color: var(--ink); }
.menu-btn svg { width: 22px; height: 22px; }
.mnav { display: none; border-top: 1px solid var(--line); background: var(--paper); }
.mnav a { display: block; padding: 16px 24px; font-family: var(--head); font-size: 26px; text-decoration: none; border-bottom: 1px solid var(--line); }
.mnav a[aria-current="page"] { color: var(--teal); }
header.open .mnav { display: block; }
@media (max-width: 900px) { .menu-btn { display: inline-flex; } .nav { gap: 12px; } }

/* Juridiska sidor */
.legal { padding-top: 24px; }
.legal > * { max-width: 760px; }
.legal h2 { font-size: 30px; margin: 48px 0 12px; }
.legal h3 { font-size: 22px; margin: 28px 0 8px; }
.legal p, .legal li { color: var(--text); }
.legal p + p { margin-top: 12px; }
.legal ul { padding-left: 20px; margin: 12px 0; }
.legal li + li { margin-top: 6px; }
.draft { display: inline-block; margin-top: 20px; background: #FFF1B8; color: var(--ink); font-size: 14px; font-weight: 600; padding: 8px 14px; border-radius: 10px; }

/* Ton-uppdatering */
.hero-ticks { list-style: none; margin: 24px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px 24px; }
.hero-ticks li { display: flex; align-items: center; gap: 10px; font-weight: 600; font-size: 16px; }
.hero-ticks li::before { content: ''; flex: none; width: 22px; height: 22px; border-radius: 50%; background: var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.5 12.5l3.5 3.5 7.5-8' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }
.moments { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.moment { background: var(--white); border-radius: 20px; padding: 28px; display: flex; flex-direction: column; gap: 14px; text-decoration: none; color: var(--ink); border: 1.5px solid transparent; }
.moment:hover { border-color: var(--teal); color: var(--ink); }
.moment h3 { font-size: 24px; line-height: 1.2; }
.moment .kicker { color: var(--teal); }
.control .ticks li { font-size: 18px; }
@media (max-width: 1000px) { .moments { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .moments { grid-template-columns: 1fr; } }

/* Mobil & iPad-finjustering */
.nav a.hide-m, .nav .login { min-height: 44px; display: inline-flex; align-items: center; }
.logo { min-height: 44px; }
input[type=range] { height: 44px; }
.slider output, .gauge-legend b, .amount-box output { white-space: nowrap; }
@media (max-width: 900px) and (min-width: 601px) {
  .stats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .uses { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 900px) { .nav a.hide-m { display: none; } }
@media (max-width: 560px) { .nav a.login { display: none; } }
@media (max-width: 600px) {
  .slider label { flex-wrap: wrap; }
  .slider output { font-size: 26px; }
  .gauge-legend { flex-direction: column; gap: 4px; }
  .stat b { font-size: 30px; }
  .chips { gap: 8px; }
  .chip { font-size: 15px; padding: 0 18px; }
  .phero h1, .hero h1 { letter-spacing: -0.03em; }
  .cta .wrap, .contact-strip { gap: 20px; }
  .cta-btns .btn, .contact-strip .btn { width: 100%; }
}

html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
button, a { -webkit-tap-highlight-color: transparent; }