:root{--terra:#B5543A;--terra-d:#8E3F2A;--terra-l:#F6E9E3;--ink:#2A2724;--mute:#6E6660;--line:#E4DDD6;--bg:#F7F4F0;--paper:#fff;--ok:#2F6B4F;--no:#A4302A;--r:12px;--sans:"Source Sans 3","Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.55;font-size:16px}
.wrap{max-width:1140px;margin:0 auto;padding:0 16px}a{color:var(--terra-d)}h1{font-size:clamp(1.9rem,4.5vw,2.8rem);margin:.4em 0 .3em;line-height:1.1;font-weight:700;letter-spacing:-.02em}h2{font-size:1.4rem;margin:1.6em 0 .5em;font-weight:700;padding-bottom:.25em;border-bottom:3px double var(--terra)}h3{font-size:1.05rem;margin:1em 0 .4em}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.hd{background:var(--paper);border-bottom:1px solid var(--line);border-top:5px solid var(--terra)}.hd-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}.logo{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:1.3rem;letter-spacing:-.01em}.logo b{color:var(--terra)}.nav{display:flex;gap:2px;flex-wrap:wrap}.nav a{color:var(--ink);text-decoration:none;padding:8px 10px;border-radius:6px;font-size:.93rem;font-weight:600}.nav a:hover{background:var(--terra-l);color:var(--terra-d)}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px;cursor:pointer}.burger span:not(.sr){display:block;width:20px;height:2px;background:var(--ink);margin:4px 0}
@media(max-width:900px){.burger{display:block}.nav{display:none;position:absolute;left:0;right:0;top:69px;background:#fff;flex-direction:column;padding:10px 16px;z-index:50;border-bottom:1px solid var(--line)}.nav.open{display:flex}.hd{position:relative}}
.hero{background:var(--paper);padding:34px 0 30px;border-bottom:1px solid var(--line);background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:40px 40px;background-position:-1px -1px}.hero-in{display:grid;grid-template-columns:1fr 1.15fr;gap:36px;align-items:start}.hero h1{margin-top:0}.hero .lead{color:#4d4641;font-size:1.12rem}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.chip{display:inline-block;border:1px solid var(--line);background:#fff;border-radius:6px;padding:6px 12px;font-size:.9rem;font-weight:600;text-decoration:none;color:var(--ink)}.chip:hover{border-color:var(--terra)}
.lead{font-size:1.12rem;color:var(--mute);max-width:70ch}.crumbs{font-size:.85rem;color:var(--mute);margin:14px 0 0}.crumbs a{text-decoration:none}
.main{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:32px;padding:10px 0 40px}@media(max-width:900px){.main{grid-template-columns:minmax(0,1fr)}.hero-in{grid-template-columns:minmax(0,1fr)}}
.side .box{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin-bottom:16px}.side h3{margin:0 0 .5em;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mute)}.side a{display:block;padding:5px 0;text-decoration:none;border-bottom:1px solid var(--line);font-size:.93rem;color:var(--ink)}.side a:last-child{border:0}
.korthet{background:var(--paper);border:1px solid var(--line);border-left:6px solid var(--terra);border-radius:var(--r);padding:16px 20px;margin:18px 0}.korthet h2{margin:0 0 .4em;font-size:1.25rem;border:0;padding:0}.korthet .sub{color:var(--mute);font-size:.88rem;margin:0 0 .6em}.korthet ol{margin:0;padding-left:1.2em}.korthet li{margin:.45em 0}
.how{background:#EFE9E3;border-radius:var(--r);padding:14px 18px;margin:22px 0;font-size:.93rem}.note{background:var(--terra-l);border-left:5px solid var(--terra);padding:10px 14px;border-radius:0 var(--r) var(--r) 0;margin:16px 0;font-size:.95rem}
.tbl{overflow:auto;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);margin:14px 0}table{border-collapse:collapse;width:100%;font-size:.93rem}th,td{padding:8px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--terra);color:#fff;font-weight:600}tr:last-child td{border-bottom:0}.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.sm{font-size:.85rem;color:var(--mute)}.ok{color:var(--ok);font-weight:700}.no{color:var(--no);font-weight:700}.hi td{background:#FBF3EE}
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 14px 34px -24px rgba(42,39,36,.5);overflow:hidden;margin:10px 0 20px}.calc .ch{background:var(--ink);color:#fff;padding:12px 18px;font-weight:700;font-size:1.1rem;display:flex;justify-content:space-between;align-items:center;gap:8px}.calc .ch small{font-weight:400;color:#E9C4B5;font-size:.8rem}.calc .cb{padding:14px 18px}
.f{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:8px}.f3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:8px}label{display:block;font-size:.82rem;color:var(--mute);margin-bottom:3px}input,select{width:100%;font:inherit;padding:8px 10px;border:1px solid #C9BFB5;border-radius:6px;background:#fff;color:var(--ink);font-variant-numeric:tabular-nums}input:focus,select:focus{outline:3px solid #E9C4B5;outline-offset:1px}
@media(max-width:600px){.f,.f3{grid-template-columns:1fr}}
.paper{background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:12px 14px;margin-top:8px}.paper .k{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mute);margin-bottom:6px}.line{display:flex;justify-content:space-between;gap:12px;padding:5px 0;border-bottom:1px dashed var(--line);font-variant-numeric:tabular-nums}.line:last-child{border:0}.line.total{font-weight:700;font-size:1.15rem;border-top:2px solid var(--terra);margin-top:4px;padding-top:8px}.line.acc span:last-child{color:var(--terra-d)}.chow{font-size:.85rem;color:var(--mute);margin-top:10px}
.band{display:flex;height:18px;border-radius:6px;overflow:hidden;margin:6px 0 4px;background:#EEE6DF}.band span{display:block;height:100%}.bandl{display:flex;justify-content:space-between;font-size:.78rem;color:var(--mute)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;margin:16px 0}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);display:block}.card:hover{border-color:var(--terra)}.card h3{margin:0 0 .3em;font-size:1.05rem}.card p{margin:0;color:var(--mute);font-size:.9rem}.card .big{font-size:1.5rem;font-weight:700;margin:.2em 0;letter-spacing:-.02em}.card .big b{color:var(--terra)}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:10px 16px;margin:8px 0}.faq summary{cursor:pointer;font-weight:600}.faq details p{margin:.5em 0 .2em}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{position:relative;padding:8px 0 8px 44px;border-left:2px solid var(--line);margin-left:14px}.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:-15px;top:8px;width:28px;height:28px;border-radius:6px;background:var(--terra);color:#fff;text-align:center;line-height:28px;font-weight:700;font-size:.85rem}
.ft{background:var(--ink);color:#CFC6BE;margin-top:30px;border-top:5px solid var(--terra)}.ft-in{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px;padding:34px 16px}.ft-col a{display:block;color:#fff;text-decoration:none;padding:3px 0;font-size:.93rem}.ft h3{color:#E9C4B5;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 .5em}.ft-logo{font-weight:700;font-size:1.3rem;color:#fff}.ft-logo b{color:#E9C4B5}.ft p{font-size:.9rem}.ft-legal{font-size:.8rem;padding:10px 16px 24px;color:#9A918A}@media(max-width:800px){.ft-in{grid-template-columns:1fr 1fr}}@media(max-width:500px){.ft-in{grid-template-columns:1fr}}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px;margin:10px 0}.kpi{background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:10px 12px}.kpi .v{font-size:1.5rem;font-weight:700;color:var(--terra-d)}.kpi .l{font-size:.8rem;color:var(--mute)}