/* Lånefyren – designtokens & bas
   Palett: Djuphav (primär), Fyrljus (accent), Skum (ljus bakgrund), Alg (stöd), Bläck (text)
*/
:root{
  --djuphav:#0F3538;
  --djuphav-2:#15484B;
  --fyrljus:#FFB547;
  --fyrljus-2:#E39A2E;
  --skum:#F3F6F4;
  --alg:#1E6B5C;
  --black:#121618;
  --ink:#1D2426;
  --muted:#5B6668;
  --line:#D9E1DE;
  --white:#FFFFFF;
  --danger:#B23A3A;
  --ok:#1E6B5C;
  --radius:14px;
  --radius-sm:8px;
  --shadow:0 10px 30px rgba(15,53,56,.12);
  --font-display:"Bricolage Grotesque",system-ui,sans-serif;
  --font-body:"Manrope",system-ui,sans-serif;
  --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--skum);line-height:1.55;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--alg)}
a[href^="tel:"],a[href^="sms:"]{color:inherit;text-decoration:inherit;pointer-events:none}
h1,h2,h3{font-family:var(--font-display);line-height:1.08;letter-spacing:-.02em;margin:0 0 .5em;font-weight:700;color:var(--djuphav)}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.4rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.lead{font-size:1.15rem;color:var(--muted);max-width:640px}
.muted{color:var(--muted)}
.small{font-size:.9rem}
:focus-visible{outline:3px solid var(--fyrljus);outline-offset:2px}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

/* Knappar */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.9em 1.5em;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:var(--font-body);transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--fyrljus);color:var(--black);border-color:var(--fyrljus)}
.btn-primary:hover{background:var(--fyrljus-2);border-color:var(--fyrljus-2)}
.btn-dark{background:var(--djuphav);color:#fff;border-color:var(--djuphav)}
.btn-ghost{background:transparent;color:var(--djuphav);border-color:var(--djuphav)}
.btn-ghost.on-dark{color:#fff;border-color:rgba(255,255,255,.5)}
.btn-lg{font-size:1.1rem;padding:1.05em 1.9em;width:100%}
.btn[disabled]{opacity:.5;cursor:not-allowed;transform:none}

/* Header */
.site-header{background:var(--djuphav);color:#fff;position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-family:var(--font-display);font-weight:800;font-size:1.35rem;letter-spacing:-.02em}
.logo svg{width:34px;height:34px}
.nav{display:flex;gap:26px;align-items:center}
.nav a{color:rgba(255,255,255,.85);text-decoration:none;font-weight:600;font-size:.95rem}
.nav a:hover{color:#fff}
.nav .btn{padding:.6em 1.2em;font-size:.95rem}
.nav .btn-primary{color:var(--black)}
.nav .btn-primary:hover{color:var(--black)}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}
@media (max-width:860px){
  .nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--djuphav-2);flex-direction:column;align-items:stretch;padding:14px 20px 20px;gap:14px}
  .nav.open{display:flex}
  .nav-toggle{display:block}
}

/* Hero */
.hero{background:var(--djuphav);color:#fff;padding:56px 0 72px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-20%;top:-40%;width:70%;height:180%;background:radial-gradient(closest-side,rgba(255,181,71,.18),transparent 70%);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;position:relative;z-index:1}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--fyrljus)}
.hero .lead{color:rgba(255,255,255,.8)}
.hero-points{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}
.hero-points li{display:flex;gap:10px;align-items:flex-start;color:rgba(255,255,255,.9)}
.hero-points svg{flex:none;width:22px;height:22px;margin-top:2px}
@media (max-width:860px){
  .hero{padding:36px 0 48px}
  .hero .wrap{grid-template-columns:1fr;gap:28px}
  .hero-copy{order:0}.hero-calc{order:1}
}

/* Räknaren – sajtens signaturelement */
.calc{background:#fff;color:var(--ink);border-radius:20px;padding:26px;box-shadow:var(--shadow)}
.calc-tabs{display:flex;background:var(--skum);border-radius:999px;padding:4px;margin-bottom:22px}
.calc-tabs button{flex:1;border:0;background:transparent;padding:.7em;border-radius:999px;font-weight:700;font-family:var(--font-body);cursor:pointer;color:var(--muted);font-size:.95rem}
.calc-tabs button[aria-selected="true"]{background:var(--djuphav);color:#fff}
.calc-panel[hidden]{display:none}
.field{margin-bottom:18px}
.field-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px}
.field label{font-weight:700;font-size:.95rem}
.field output,.field .val{font-family:var(--font-display);font-weight:700;font-size:1.15rem;color:var(--djuphav)}
input[type=range]{width:100%;accent-color:var(--djuphav);height:34px;margin:0}
.range-scale{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);margin-top:-6px}
.calc-result{background:var(--skum);border-radius:var(--radius);padding:18px 20px;margin:6px 0 18px;display:flex;justify-content:space-between;align-items:center;gap:10px}
.calc-result .label{font-size:.9rem;color:var(--muted);font-weight:600}
.calc-result .big{font-family:var(--font-display);font-weight:800;font-size:2.2rem;color:var(--djuphav);letter-spacing:-.03em;line-height:1}
.calc-result .big small{font-size:1rem;font-weight:600;color:var(--muted);margin-left:4px}
.calc-note{font-size:.8rem;color:var(--muted);margin:10px 0 0}
.saving{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:6px 0 14px}
.saving > div{background:var(--skum);border-radius:var(--radius);padding:14px 16px}
.saving .label{font-size:.85rem;color:var(--muted);font-weight:600}
.saving .num{font-family:var(--font-display);font-weight:800;font-size:1.6rem;color:var(--djuphav);letter-spacing:-.02em}
.saving .num.good{color:var(--alg)}
.saving-total{background:var(--djuphav);color:#fff;border-radius:var(--radius);padding:16px 18px;margin-bottom:18px;display:flex;justify-content:space-between;align-items:center}
.saving-total .num{font-family:var(--font-display);font-weight:800;font-size:1.9rem;color:var(--fyrljus);letter-spacing:-.02em}
.num-input{display:flex;align-items:center;border:2px solid var(--line);border-radius:var(--radius-sm);overflow:hidden;background:#fff}
.num-input input{border:0;padding:.65em .8em;font-size:1.05rem;width:100%;font-family:var(--font-body);font-weight:700;color:var(--djuphav);outline:0;min-width:0}
.num-input span{padding:0 .8em;color:var(--muted);font-weight:600;background:var(--skum);align-self:stretch;display:flex;align-items:center}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:480px){.grid-2{grid-template-columns:1fr}.saving{grid-template-columns:1fr}}

/* Sektioner */
.section{padding:72px 0}
.section.alt{background:#fff}
.section.dark{background:var(--djuphav);color:#fff}
.section.dark h2,.section.dark h3{color:#fff}
.section.dark .muted{color:rgba(255,255,255,.7)}
.section-head{max-width:680px;margin-bottom:36px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--alg);margin-bottom:10px}
.section.dark .eyebrow{color:var(--fyrljus)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border-radius:var(--radius);padding:26px;border:1px solid var(--line)}
.section.dark .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}
.card .icon{width:44px;height:44px;border-radius:12px;background:var(--skum);display:grid;place-items:center;margin-bottom:14px;color:var(--djuphav)}
.section.dark .card .icon{background:rgba(255,181,71,.15);color:var(--fyrljus)}
.card h3{margin-bottom:.4em}
.card p{margin:0;color:var(--muted)}
.section.dark .card p{color:rgba(255,255,255,.75)}
@media (max-width:860px){.cards{grid-template-columns:1fr}}

/* Steg – processen */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step}
.step{position:relative;padding-top:56px}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:42px;height:42px;border-radius:50%;background:var(--fyrljus);color:var(--black);font-family:var(--font-display);font-weight:800;display:grid;place-items:center;font-size:1.1rem}
.step h3{font-size:1.1rem}
.step p{color:var(--muted);margin:0}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.steps{grid-template-columns:1fr}}

/* Partnerchips */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.5em 1em;font-weight:700;font-size:.9rem;color:var(--djuphav)}
.section.dark .chip{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18);color:#fff}

/* Compliance */
.warning{background:#FFF5E1;border:1px solid #F1D9A6;border-left:6px solid var(--fyrljus);border-radius:var(--radius-sm);padding:16px 18px;font-size:.95rem;margin:24px 0}
.warning strong{display:block;margin-bottom:4px;color:var(--black)}
.rep-example{font-size:.85rem;color:var(--muted);margin:18px 0 0}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:0 20px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px;color:var(--djuphav)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--alg)}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:16px;margin:0;color:var(--muted)}

/* Innehållssidor */
.prose{max-width:760px}
.prose h2{margin-top:1.6em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.prose table{width:100%;border-collapse:collapse;font-size:.95rem;margin:1em 0}
.prose th,.prose td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line)}
.prose th{background:#fff;color:var(--djuphav)}
.page-hero{background:var(--djuphav);color:#fff;padding:52px 0 48px}
.page-hero h1{color:#fff;max-width:760px}
.page-hero .lead{color:rgba(255,255,255,.8)}
.page-hero.has-calc .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.page-hero.has-calc h1,.page-hero.has-calc .lead{max-width:none}
@media (max-width:860px){
  .page-hero.has-calc .wrap{grid-template-columns:1fr;gap:26px}
  .page-hero-copy{order:0}.page-hero-calc{order:1}
}
.breadcrumb{font-size:.85rem;color:rgba(255,255,255,.6);margin-bottom:14px}
.breadcrumb a{color:rgba(255,255,255,.75)}
.cta-band{background:var(--fyrljus);padding:48px 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{margin:0;color:var(--black)}

/* Partnerlista */
.partner-list{display:grid;gap:14px}
.partner{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;display:grid;grid-template-columns:1.2fr 1fr 1fr auto;gap:16px;align-items:center}
.partner .name{font-family:var(--font-display);font-weight:800;font-size:1.2rem;color:var(--djuphav)}
.partner .meta{font-size:.85rem;color:var(--muted)}
.partner .k{font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:700}
.partner .v{font-weight:700}
@media (max-width:760px){.partner{grid-template-columns:1fr 1fr}.partner .name-wrap{grid-column:1/-1}.partner .btn{grid-column:1/-1;width:100%}}

/* Ansökan */
.apply{max-width:640px;margin:0 auto}
.apply-card{background:#fff;border-radius:20px;padding:30px;box-shadow:var(--shadow)}
.progress{display:flex;gap:6px;margin-bottom:24px}
.progress span{flex:1;height:6px;border-radius:3px;background:var(--line)}
.progress span.done{background:var(--djuphav)}
.progress span.now{background:var(--fyrljus)}
.step-title{font-size:.85rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px}
.form-step[hidden]{display:none}
.f{margin-bottom:16px}
.f label{display:block;font-weight:700;font-size:.95rem;margin-bottom:6px}
.f input[type=text],.f input[type=email],.f input[type=tel],.f input[type=number],.f select{width:100%;padding:.75em .9em;border:2px solid var(--line);border-radius:var(--radius-sm);font-size:1.05rem;font-family:var(--font-body);background:#fff;color:var(--ink)}
.f input:focus,.f select:focus{border-color:var(--djuphav);outline:0}
.f .hint{font-size:.85rem;color:var(--muted);margin-top:4px}
.f.error input,.f.error select{border-color:var(--danger)}
.f .err{color:var(--danger);font-size:.85rem;margin-top:4px;display:none}
.f.error .err{display:block}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.choice{position:relative}
.choice input{position:absolute;opacity:0}
.choice span{display:block;padding:.8em 1em;border:2px solid var(--line);border-radius:var(--radius-sm);font-weight:700;text-align:center;cursor:pointer}
.choice input:checked + span{border-color:var(--djuphav);background:var(--djuphav);color:#fff}
.choice input:focus-visible + span{outline:3px solid var(--fyrljus)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted)}
.check input{margin-top:4px;width:18px;height:18px;accent-color:var(--djuphav)}
.form-actions{display:flex;gap:12px;margin-top:22px}
.form-actions .btn{flex:1}
.summary{background:var(--skum);border-radius:var(--radius);padding:14px 16px;margin-bottom:18px;font-size:.95rem}
.summary b{color:var(--djuphav)}
.trust{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin-top:18px;font-size:.85rem;color:var(--muted)}
.trust span{display:flex;align-items:center;gap:6px}

/* Tack */
.thanks{text-align:center;max-width:620px;margin:0 auto}
.thanks .check-big{width:72px;height:72px;border-radius:50%;background:var(--alg);color:#fff;display:grid;place-items:center;margin:0 auto 20px}
.countdown{font-family:var(--font-display);font-weight:800;font-size:2.4rem;color:var(--djuphav)}

/* Footer */
.site-footer{background:var(--black);color:rgba(255,255,255,.75);padding:52px 0 28px;font-size:.92rem}
.site-footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px}
.site-footer h4{color:#fff;font-family:var(--font-display);margin:0 0 12px;font-size:1rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.site-footer a{color:rgba(255,255,255,.75);text-decoration:none}
.site-footer a:hover{color:#fff}
.site-footer .legal{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:.82rem;color:rgba(255,255,255,.55)}
.site-footer .logo{margin-bottom:12px}
@media (max-width:860px){.site-footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.site-footer .cols{grid-template-columns:1fr}}

/* Recensioner */
.rev{background:var(--skum)}
.rev .wrap{max-width:820px}
.rev-summary{display:flex;flex-direction:column;align-items:center;gap:6px;text-align:center;margin-bottom:22px}
.rev-summary .stars-row{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.05rem;color:var(--djuphav)}
.rev-count{color:var(--muted);font-size:.95rem}
.rev-stars{color:var(--fyrljus-2);letter-spacing:1px;font-size:1.1rem}
.rev-stars .empty{color:#E4DCC4}
.rev-bars{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin-bottom:20px;display:grid;gap:8px}
.rev-bar{display:grid;grid-template-columns:76px 1fr 34px;gap:10px;align-items:center;font-size:.85rem;color:var(--muted)}
.rev-bar .track{background:var(--skum);height:6px;border-radius:999px;overflow:hidden}
.rev-bar .fill{height:100%;background:var(--fyrljus-2);border-radius:999px}
.rev-item{display:grid;grid-template-columns:42px 1fr;gap:12px;padding:16px 0;border-top:1px solid var(--line)}
.rev-item:first-child{border-top:0}
.rev-avatar{width:42px;height:42px;border-radius:999px;background:var(--djuphav);color:#fff;display:grid;place-items:center;font-weight:800;font-size:.85rem;font-family:var(--font-display)}
.rev-name{font-weight:800;color:var(--djuphav)}
.rev-title{font-weight:700;margin:6px 0 4px;color:var(--ink)}
.rev-text{color:var(--muted);line-height:1.55;margin:0}
.rev-pag{display:flex;justify-content:center;gap:6px;margin-top:20px}
.rev-pag button{min-width:32px;height:32px;border-radius:8px;border:1px solid var(--line);background:#fff;cursor:pointer;font-weight:700;color:var(--ink);font-family:var(--font-body)}
.rev-pag button[disabled]{opacity:.4;cursor:default}
.rev-pag button.active{background:var(--djuphav);color:#fff;border-color:var(--djuphav)}
/* Cookiebanner */
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;background:#fff;border-radius:var(--radius);box-shadow:0 20px 60px rgba(0,0,0,.25);padding:20px 22px;max-width:520px;margin:0 auto;border:1px solid var(--line)}
.consent[hidden]{display:none}
.consent h3{font-size:1.05rem;margin-bottom:6px}
.consent p{font-size:.9rem;color:var(--muted);margin-bottom:14px}
.consent .row{display:flex;gap:10px;flex-wrap:wrap}
.consent .btn{padding:.65em 1.2em;font-size:.95rem}
.consent-opts{display:grid;gap:8px;margin:0 0 14px;font-size:.9rem}
.consent-opts label{display:flex;gap:8px;align-items:center}

/* Snurra – val och inbäddning */
.calc-q{font-family:var(--font-display);font-weight:800;font-size:1.15rem;color:var(--djuphav);margin:0 0 10px}
.calc-mode{margin-bottom:20px}
.calc-mode .choice span{font-size:1.02rem;padding:1em .8em}
.calc-repeat{background:var(--djuphav)}
.calc-repeat .calc-embed{display:grid;grid-template-columns:1fr 1.1fr;gap:44px;align-items:center}
.calc-repeat h2{color:#fff}
.calc-repeat .lead{color:rgba(255,255,255,.8)}
@media (max-width:860px){.calc-repeat .calc-embed{grid-template-columns:1fr;gap:24px}}

/* Flytande Jämför lån-knapp (mobil) */
.sticky-cta{display:none}
@media (max-width:860px){
  .sticky-cta{position:fixed;left:50%;bottom:14px;z-index:90;display:flex;align-items:center;justify-content:center;background:var(--fyrljus);color:var(--black);font-weight:800;font-family:var(--font-body);font-size:.85rem;padding:.55em 1.3em;border-radius:999px;text-decoration:none;box-shadow:0 8px 22px rgba(0,0,0,.3);white-space:nowrap;
    transform:translate(-50%,14px);opacity:0;pointer-events:none;transition:opacity .2s ease,transform .2s ease}
  .sticky-cta.show{transform:translate(-50%,0);opacity:1;pointer-events:auto}
  .sticky-cta:active{background:var(--fyrljus-2)}
  .consent{bottom:76px}
}