:root{--navy:#22304F;--navy2:#34487a;--gray:#DFE0DA;--gray2:#CBCCC4;--ink:#18202F;--teal:#25908C}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:100px}
body{margin:0;background:var(--gray);color:var(--ink);font:400 18px/1.6 "Schibsted Grotesk",system-ui,sans-serif}
a{color:inherit}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
.wrap{max-width:1760px;margin:0 auto;padding:0 clamp(24px,4vw,76px)}
header{position:sticky;top:0;z-index:5;background:var(--gray);box-shadow:0 1px 0 var(--gray2)}
header .wrap{display:flex;justify-content:space-between;align-items:center;height:92px}
.logo{font-weight:800;font-size:22px;color:var(--navy);text-decoration:none;display:flex;align-items:center;gap:10px}
.logo img{display:block;height:68px;width:auto}
nav{display:flex;gap:28px;align-items:center}
nav a{text-decoration:none;font-weight:500}
nav a:not(.btn):hover{text-decoration:underline}
.btn{display:inline-block;background:var(--navy);color:#fff;padding:16px 32px;font-weight:700;text-decoration:none;border-radius:999px;border:2px solid var(--navy);transition:background .2s,color .2s}
.btn:hover{background:var(--navy2);border-color:var(--navy2)}
.btn.alt{background:transparent;color:var(--navy)}
.btn.alt:hover{background:var(--navy);color:#fff}
.btn.teal{background:var(--teal);border-color:var(--teal);color:var(--navy)}
.btn.teal:hover{background:#fff;border-color:#fff}
nav .btn{padding:9px 22px}
.hero{position:relative;overflow:hidden;padding:48px 0 56px}
.txt{position:relative;z-index:1;max-width:54%}
h1{font-size:clamp(36px,4.2vw,60px);line-height:1.05;letter-spacing:-.03em;font-weight:800;color:var(--navy);margin:0 0 20px}
.l{display:block;opacity:0;transform:translateY(28px);animation:in .9s cubic-bezier(.2,.7,.2,1) forwards}
h1 .l:nth-child(2){animation-delay:.12s}
.lead.l{animation-delay:.28s}
.cta.l{animation-delay:.4s}
@keyframes in{to{opacity:1;transform:none}}
.lead{font-size:20px;max-width:28em;margin:0 0 28px}
.cta{display:flex;gap:14px;flex-wrap:wrap}
.photo{position:absolute;top:0;right:0;bottom:0;width:min(50%,820px);overflow:hidden}
.photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:40% 48%;-webkit-mask-image:linear-gradient(to right,transparent 0,#000 55%);mask-image:linear-gradient(to right,transparent 0,#000 55%)}
@media(prefers-reduced-motion:reduce){.l{animation:none;opacity:1;transform:none}html{scroll-behavior:auto}}
section{padding:80px 0}
h2{font-size:clamp(32px,4vw,56px);line-height:1.05;letter-spacing:-.025em;color:var(--navy);margin:0 0 24px;font-weight:800}
.split{display:grid;grid-template-columns:1fr 1.2fr;gap:72px;align-items:start}
.split p{max-width:26em;margin:0 0 28px}
.help{list-style:none;margin:0;padding:0}
.help li{position:relative;padding:16px 0 16px 34px;border-top:1px solid var(--gray2)}
.help li:last-child{border-bottom:1px solid var(--gray2)}
.help li:before{content:"";position:absolute;left:0;top:25px;width:14px;height:14px;border-radius:50%;background:var(--navy)}
.help b{display:block;font-size:20px;color:var(--navy)}
.help span{font-size:16px;color:#3a4252}
.duo{padding:72px 0}
.duo-grid{display:grid;grid-template-columns:1fr 1fr;gap:0}
.duo-l{padding-right:clamp(24px,5vw,80px)}
.duo-r{padding-left:clamp(24px,5vw,80px)}
.duo h2{font-size:clamp(28px,3vw,40px);margin-bottom:28px}
.vs{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.vs li{position:relative}
.vs li:not(:last-child):after{content:"";position:absolute;top:29px;left:72px;right:-12px;height:2px;background:rgba(34,48,79,.25)}
.vs .n{background:var(--navy);color:var(--teal);border-color:var(--navy);margin:0 0 18px}
.vs b{display:block;font-size:21px;line-height:1.25;color:var(--navy);margin-bottom:6px}
.vs span{display:block;font-size:16px;color:#3a4252}
.n{width:60px;height:60px;border-radius:50%;border:2px solid var(--teal);color:var(--teal);font-size:26px;font-weight:800;display:grid;place-items:center;margin-bottom:22px;background:var(--navy);position:relative;z-index:1}
.faq details{border-top:1px solid var(--gray2);padding:20px 0}
.faq details:last-of-type{border-bottom:1px solid var(--gray2)}
.faq summary{cursor:pointer;font-weight:700;font-size:20px;color:var(--navy)}
.faq details p{margin:12px 0 0;max-width:42em}
form{display:grid;gap:18px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{font-weight:500;display:grid;gap:6px;font-size:16px}
label small{font-weight:400;color:#555}
input,textarea{font:inherit;padding:12px 18px;border:1.5px solid var(--navy);border-radius:24px;background:transparent;width:100%}
textarea{min-height:130px;resize:vertical}
.note{font-size:15px;margin:0;color:#444}
footer{padding:36px 0;font-size:15px}
main>section,footer{position:relative;box-shadow:0 -10px 24px -10px rgba(24,32,47,.10)}
footer p{margin:0 0 10px;max-width:62em}
@media(max-width:860px){
.split,.row,.duo-grid{grid-template-columns:1fr}
.split{gap:32px}
nav a:not(.btn){display:none}
.hero{min-height:0;padding:48px 0 0}
.txt{max-width:none}
.photo{position:relative;width:auto;height:260px;margin-top:28px}
.photo img{-webkit-mask-image:linear-gradient(to bottom,transparent 0,#000 25%);mask-image:linear-gradient(to bottom,transparent 0,#000 25%)}
.duo{padding:56px 0}
.duo-l{padding:0 0 48px}
.duo-r{padding:0}
.vs{grid-template-columns:1fr;gap:28px}
.vs li:not(:last-child):after{display:none}
section{padding:64px 0}
.logo img{height:42px}
header .wrap{height:72px}
}
button.btn{font:inherit;font-weight:700;cursor:pointer}
.lnk{font:inherit;font-weight:700;color:var(--navy);background:none;border:0;padding:0;text-decoration:underline;cursor:pointer}
#ins{position:fixed;inset:0;background:var(--gray);display:none;overflow:auto;z-index:20}
#ins.on{display:block}
.ins-wrap{max-width:600px;margin:0 auto;padding:24px}
.ins-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px}
.ins-top img{display:block;height:44px;width:auto}
.ins-x{background:none;border:0;font-size:32px;line-height:1;color:var(--navy);cursor:pointer;padding:4px 8px}
.ins-bar{height:5px;background:var(--gray2);border-radius:9px;overflow:hidden;margin-bottom:32px}
.ins-bar i{display:block;height:100%;background:var(--navy);transition:width .35s}
#ins h2{font-size:30px;line-height:1.15;margin:0 0 8px}
.ins-lead{color:#3a4252;margin:0 0 22px}
.ins-opt{display:block;width:100%;text-align:left;font:inherit;font-weight:500;background:#D2D3CC;color:var(--navy);border:2px solid transparent;border-radius:20px;padding:16px 20px;margin-bottom:10px;cursor:pointer;transition:background .2s,color .2s}
.ins-opt:hover,.ins-opt:focus-visible{background:var(--navy);color:#fff}
.ins-card{background:#fff;border-radius:24px;padding:22px;margin-bottom:14px;box-shadow:0 6px 24px -10px rgba(24,32,47,.18)}
.ins-card h3{font-size:19px;color:var(--navy);margin:0 0 6px}
.ins-card p{margin:0 0 14px;color:#3a4252}
.ins-card ul{margin:0;padding-left:20px}.ins-card li{margin-bottom:6px}
.ins-row{display:flex;gap:10px;flex-wrap:wrap}.ins-row .btn{flex:1;min-width:140px;text-align:center}
.ins-back{background:none;border:0;color:var(--navy);font:inherit;font-weight:700;cursor:pointer;padding:8px 0;margin-top:6px}
.ins-fine{font-size:15px;color:#444;margin-top:10px}
.ins-fine a{font-weight:700;color:var(--navy)}
#legal{position:fixed;inset:0;background:var(--gray);display:none;overflow:auto;z-index:30}
#legal.on{display:block}
.lg-wrap{max-width:780px;margin:0 auto;padding:24px 24px 80px}
.lg-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:28px}
.lg-back{background:none;border:0;color:var(--navy);font:inherit;font-weight:700;cursor:pointer;padding:8px 0}
#legal h1{font-size:clamp(30px,4vw,44px);line-height:1.1;letter-spacing:-.02em;color:var(--navy);margin:0 0 6px}
#legal h2{font-size:21px;line-height:1.25;letter-spacing:-.01em;color:var(--navy);margin:34px 0 8px}
#legal p,#legal li{font-size:16px;line-height:1.65;margin:0 0 12px}
#legal ul{margin:0 0 12px;padding-left:22px}
#legal .lg-date{color:#444;margin-bottom:22px}
#legal a{font-weight:500;color:var(--navy)}

/* ---- multi-page additions ---- */
nav{gap:24px}
@media(max-width:1000px){nav a:not(.btn){display:none}}
.crumb{display:inline-block;margin:0 0 18px;font-weight:700;color:var(--navy);text-decoration:none}
.crumb:hover{text-decoration:underline}
.phero{padding:56px 0 64px}
.phero h1{max-width:19em}
.phero .lead{max-width:36em}
.dark{background:var(--navy);color:#fff}
.dark h2{color:#fff}
.dark p{color:#E6E7E2}
.dark a{color:#fff}
.prose p{max-width:38em;margin:0 0 18px}
.split .prose p:last-child{margin-bottom:0}
.chips{display:flex;gap:12px;flex-wrap:wrap}
.chips a{display:inline-block;color:var(--navy);border:2px solid var(--navy);border-radius:999px;padding:10px 20px;text-decoration:none;font-weight:500}
.chips a:hover{background:var(--navy);color:#fff}
.help a{display:block;text-decoration:none;color:inherit}
.help a b:after{content:" \2192";color:var(--teal)}
.help a:hover b{text-decoration:underline}
ol.q{counter-reset:q;list-style:none;margin:0;padding:0}
ol.q li{counter-increment:q;position:relative;padding:14px 0 14px 48px;border-top:1px solid var(--gray2)}
ol.q li:last-child{border-bottom:1px solid var(--gray2)}
ol.q li:before{content:counter(q);position:absolute;left:0;top:13px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:15px;display:grid;place-items:center}
.fnav{display:flex;gap:6px 22px;flex-wrap:wrap;margin:0 0 14px}
.fnav a{font-weight:500}
.solo .vs{grid-template-columns:repeat(3,1fr)}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px 40px;margin:0;padding:0;list-style:none}
.facts li{border-top:2px solid var(--navy);padding-top:14px}
.facts b{display:block;color:var(--navy);font-size:20px;margin-bottom:4px}
.facts span{font-size:16px;color:#3a4252}
@media(max-width:860px){.phero{padding:40px 0 48px}.solo .vs{grid-template-columns:1fr}}

button.lnk{font:inherit;background:none;border:0;padding:0;color:var(--navy);text-decoration:underline;cursor:pointer;font-weight:500}
.dark .vs b{color:#fff}
.dark .vs li:not(:last-child):after{background:rgba(255,255,255,.3)}
.facts{grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:24px 32px}
.dd{position:relative}
.ddb{font:inherit;font-weight:500;background:none;border:0;color:inherit;cursor:pointer;display:flex;align-items:center;gap:7px;padding:10px 0}
.ddb svg{transition:transform .15s}
.dd.open .ddb svg{transform:rotate(180deg)}
.ddm{display:none;position:absolute;top:100%;left:-18px;min-width:270px;padding:8px;background:#F1F2EE;border-radius:18px;box-shadow:0 14px 34px -8px rgba(24,32,47,.28),0 0 0 1px var(--gray2);z-index:20}
.dd.open .ddm{display:block}
@media(hover:hover){.dd:hover .ddm{display:block}.dd:hover .ddb svg{transform:rotate(180deg)}}
.ddm a{display:block!important;padding:11px 16px;border-radius:12px;text-decoration:none;font-weight:500;white-space:nowrap}
.ddm a:hover,.ddm a:focus-visible{background:var(--gray);text-decoration:none!important}
.ddm a[aria-current]{font-weight:700;color:var(--navy);box-shadow:inset 3px 0 0 var(--teal)}
@media(max-width:600px){.ddm{left:auto;right:-40px}nav{gap:14px}.ddb,nav .btn{white-space:nowrap}.ddb{font-size:15px}nav .btn{padding:8px 14px;font-size:15px}header .wrap{gap:10px}header .logo img{height:30px;width:auto}nav{gap:12px}}
.fstatus{margin:0;font-weight:500;padding:12px 18px;border-radius:16px}
.fstatus.ok{background:#E3EFEA;color:#1d4f3f}
.fstatus.err{background:#F3E2DE;color:#6b2a1f}
.ins-card{background:transparent;box-shadow:none;border-radius:0;border-top:2px solid var(--gray2);padding:20px 0 6px;margin-bottom:6px}
h1{font-size:clamp(36px,3.5vw,60px)}
@media(max-width:420px){nav{gap:8px}nav .btn{padding:8px 12px}.ddb{font-size:14px}header .logo img{height:28px}}
@media(min-width:861px){h1 .l{white-space:nowrap}}
@media(max-width:860px){h1 .l{display:inline}h1 .l+.l:before{content:" "}}
.tabs{background:var(--gray);border-bottom:1px solid var(--gray2)}
.tabs .wrap{justify-content:flex-start;display:flex;gap:8px 26px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.tabs a{text-decoration:none;font-weight:500;padding:4px 0;border-bottom:2px solid transparent}
.tabs a:hover{border-color:var(--gray2)}
.tabs a[aria-current]{font-weight:700;color:var(--navy);border-color:var(--teal)}
.cond>section,.cond>.phero{box-shadow:none}
.cond .phero{padding:48px 0 8px}
.cond section{padding:40px 0}
.flow .intro{max-width:44em;margin:0 0 44px}
.flow .intro p{font-size:21px;line-height:1.55;margin:0 0 16px}
.flow h2{margin-bottom:24px}
.cards{list-style:none;margin:0 0 44px;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.cards li{background:#ECEDE8;border-radius:20px;padding:22px 24px}
.cards b{display:block;color:var(--navy);font-size:19px;margin-bottom:6px}
.cards span{font-size:16px;color:#3a4252;line-height:1.5}
.know{background:var(--navy);color:#fff;border-radius:24px;padding:32px clamp(24px,4vw,48px);display:grid;grid-template-columns:200px 1fr;gap:12px 40px}
.know h3{margin:0;font-size:26px;color:#fff}
.know p{margin:0 0 14px;max-width:40em;color:#E6E7E2}
.know p:last-child{margin:0}
.cond .faq .split{grid-template-columns:1fr 2fr}
.next{text-align:center}
.next p{font-size:26px;font-weight:800;color:var(--navy);margin:0 0 20px}
.next .cta{justify-content:center}
.next .nl{font-size:19px;font-weight:500;margin:0}
@media(max-width:860px){.cards{grid-template-columns:1fr}.know{grid-template-columns:1fr}.flow .intro p{font-size:19px}}