/* ============================================================
   Nettorechnen.online – Global Stylesheet 2026
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --bg:        #f5f2ec;
  --surface:   #ffffff;
  --green:     #1a5c3a;
  --green-l:   #e8f3ed;
  --green-m:   #2d7a52;
  --green-d:   #133f28;
  --text:      #2c2c2c;
  --muted:     #7a7a7a;
  --border:    #e2ddd6;
  --amber:     #fef9ee;
  --amber-b:   #e9b840;
  --amber-t:   #7a4f10;
  --r:         14px;
  --sh:        0 2px 18px rgba(60,45,20,0.07);
  --sh-lg:     0 8px 40px rgba(60,45,20,0.12);
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Source Sans 3', sans-serif;
  background: var(--bg);
  color: var(--text);
  min-height: 100vh;
  line-height: 1.6;
}

body::before {
  content: '';
  position: fixed; inset: 0; opacity: 0.018;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  pointer-events: none; z-index: 0;
}

/* ── Header – logo centered, no nav ────────────────────── */
header {
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 8px rgba(60,45,20,0.05);
}

.logo {
  display: flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
}
.logo-img { height: 32px; width: auto; display: block; }
.logo-name {
  font-family: 'Lora', serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.2px;
}
.logo-name span { color: var(--green); }

/* ── Utility ────────────────────────────────────────────── */
.wrap    { max-width: 1120px; margin: 0 auto; padding: 0 32px; position: relative; z-index: 1; }
.wrap-sm { max-width: 780px;  margin: 0 auto; padding: 0 32px; position: relative; z-index: 1; }
.wrap-md { max-width: 920px;  margin: 0 auto; padding: 0 32px; position: relative; z-index: 1; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up   { animation: fadeUp 0.55s ease both; }
.fade-up-2 { animation: fadeUp 0.55s ease 0.1s both; }
.fade-up-3 { animation: fadeUp 0.55s ease 0.2s both; }

/* ── Footer ─────────────────────────────────────────────── */
footer {
  background: var(--green-d);
  color: rgba(255,255,255,0.6);
  position: relative; z-index: 1;
  padding: 56px 0 32px;
}
.footer-grid {
  max-width: 1120px; margin: 0 auto; padding: 0 32px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 28px;
}
.footer-logo {
  display: flex; align-items: center; gap: 9px;
  margin-bottom: 14px; text-decoration: none;
}
.footer-logo img { height: 28px; width: auto; filter: brightness(0) invert(1); opacity: 0.8; }
.footer-logo-name { font-family: 'Lora', serif; font-size: 1rem; font-weight: 700; color: rgba(255,255,255,0.85); }
.footer-desc { font-size: 0.83rem; line-height: 1.65; color: rgba(255,255,255,0.38); max-width: 210px; }
.footer-col h4 {
  font-size: 0.71rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: rgba(255,255,255,0.4); margin-bottom: 16px;
}
.footer-col a {
  display: block; font-size: 0.85rem;
  color: rgba(255,255,255,0.5); text-decoration: none; margin-bottom: 10px;
  transition: color 0.18s;
}
.footer-col a:hover { color: white; }
.footer-bottom {
  max-width: 1120px; margin: 0 auto; padding: 0 32px;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.74rem; color: rgba(255,255,255,0.28);
  flex-wrap: wrap; gap: 8px;
}

/* ── Cards ──────────────────────────────────────────────── */
.card {
  background: var(--surface);
  border-radius: var(--r);
  box-shadow: var(--sh);
  border: 1px solid var(--border);
  padding: 30px;
}
.card-head {
  font-family: 'Lora', serif;
  font-size: 1rem; font-weight: 600; color: var(--text);
  margin-bottom: 22px; padding-bottom: 14px;
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center; gap: 9px;
}
.card-head-ico {
  width: 28px; height: 28px; background: var(--green-l); border-radius: 7px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.card-head-ico svg {
  width: 14px; height: 14px; stroke: var(--green); fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round;
}

/* ── Form Elements ──────────────────────────────────────── */
.field { margin-bottom: 20px; }
.flabel { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text); margin-bottom: 5px; }
.fhint { display: block; font-size: 0.76rem; color: var(--muted); font-weight: 300; margin-bottom: 6px; line-height: 1.4; }

.ew { position: relative; }
.ep { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-size: 1.1rem; color: var(--muted); pointer-events: none; }
.einput {
  width: 100%; padding: 14px 14px 14px 32px;
  font-size: 1.45rem; font-family: 'Lora', serif; font-weight: 700; color: var(--text);
  border: 2px solid var(--border); border-radius: 11px; background: var(--bg); outline: none;
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s; letter-spacing: -0.3px;
}
.einput:focus { border-color: var(--green); box-shadow: 0 0 0 4px rgba(26,92,58,0.09); background: white; }

.trow { display: flex; background: var(--bg); border-radius: 10px; padding: 3px; border: 1px solid var(--border); gap: 3px; }
.tb {
  flex: 1; padding: 10px 8px; border: none; background: transparent; border-radius: 7px;
  font-size: 0.88rem; font-weight: 500; color: var(--muted); cursor: pointer; transition: all 0.18s;
  font-family: 'Source Sans 3', sans-serif;
}
.tb:hover { color: var(--text); }
.tb.on { background: var(--green); color: white; box-shadow: 0 2px 8px rgba(26,92,58,0.22); }

.fsgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 7px; }
.fsb {
  padding: 11px 10px; border: 2px solid var(--border); background: var(--bg);
  border-radius: 10px; font-size: 0.86rem; font-weight: 500; color: var(--muted);
  cursor: pointer; transition: all 0.18s; font-family: 'Source Sans 3', sans-serif; text-align: center;
}
.fsb:hover { border-color: var(--green); color: var(--green-m); }
.fsb.on { background: var(--green); border-color: var(--green); color: white; }

.skbox {
  background: var(--green-l); border: 1.5px solid rgba(26,92,58,0.18); border-radius: 11px;
  padding: 12px 14px; margin-bottom: 9px; display: flex; align-items: flex-start; gap: 11px; transition: opacity 0.2s;
}
.sk-badge {
  background: var(--green); color: white; font-family: 'Lora', serif; font-size: 0.95rem; font-weight: 700;
  width: 34px; height: 34px; border-radius: 8px; display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.skbox-t strong { display: block; font-size: 0.82rem; font-weight: 700; color: var(--green-m); margin-bottom: 2px; }
.skbox-t span { font-size: 0.76rem; color: var(--muted); line-height: 1.4; }

.ovrlbl { display: flex; align-items: center; gap: 6px; font-size: 0.77rem; color: var(--muted); cursor: pointer; margin-bottom: 9px; }
.ovrlbl input[type=checkbox] { accent-color: var(--green); width: 13px; height: 13px; cursor: pointer; }

.skgrid { display: grid; grid-template-columns: repeat(6,1fr); gap: 6px; transition: opacity 0.2s; }
.skgrid.off { opacity: 0.25; pointer-events: none; }
.skb {
  padding: 11px 0; border: 2px solid var(--border); background: var(--bg);
  border-radius: 9px; font-size: 0.88rem; font-weight: 600; color: var(--muted);
  cursor: pointer; transition: all 0.15s; font-family: 'Lora', serif;
}
.skb:hover { border-color: var(--green); color: var(--green-m); }
.skb.on { background: var(--green); border-color: var(--green); color: white; }

.selw { position: relative; }
.selw::after { content:'▾'; position:absolute; right:13px; top:50%; transform:translateY(-50%); color:var(--muted); pointer-events:none; font-size:0.82rem; }
select {
  width:100%; padding:11px 13px; font-size:0.9rem; font-family:'Source Sans 3',sans-serif;
  color:var(--text); border:2px solid var(--border); border-radius:10px;
  background:var(--bg); outline:none; appearance:none; cursor:pointer; transition:border-color 0.2s;
}
select:focus { border-color: var(--green); }

.sep { height:1px; background:var(--border); margin:18px 0; }

.disclaimer {
  background: var(--amber); border: 1.5px solid var(--amber-b); border-radius: 11px;
  padding: 14px 16px; display: flex; gap: 11px; align-items: flex-start; margin-top: 20px;
}
.disclaimer svg { width: 16px; height: 16px; stroke: var(--amber-t); fill: none; stroke-width: 2; stroke-linecap: round; flex-shrink: 0; margin-top: 2px; }
.disclaimer strong { display: block; font-size: 0.83rem; font-weight: 700; color: var(--amber-t); margin-bottom: 3px; }
.disclaimer p { font-size: 0.78rem; color: #7a5020; line-height: 1.55; }

/* ── Results ────────────────────────────────────────────── */
.disc-bar { display:flex; align-items:flex-start; gap:9px; background:var(--green-l); border:1px solid rgba(26,92,58,0.18); border-radius:9px; padding:10px 12px; margin-bottom:18px; }
.disc-bar svg { width:13px; height:13px; stroke:var(--green-m); fill:none; stroke-width:2; stroke-linecap:round; flex-shrink:0; margin-top:2px; }
.disc-bar p { flex:1; font-size:0.75rem; color:var(--muted); line-height:1.45; }
.disc-bar button { background:none; border:none; cursor:pointer; color:var(--muted); padding:0; display:flex; }
.disc-bar button:hover { color:var(--text); }
.disc-bar button svg { width:12px; height:12px; }

.netto-box { background: var(--green-l); border-radius: 12px; padding: 24px 18px 20px; text-align: center; margin-bottom: 20px; position: relative; overflow: hidden; }
.netto-box::before { content:''; position:absolute; top:-50px; right:-50px; width:120px; height:120px; background:rgba(26,92,58,0.06); border-radius:50%; }
.netto-lbl { font-size:0.74rem; font-weight:700; text-transform:uppercase; letter-spacing:0.09em; color:var(--green-m); margin-bottom:6px; }
.netto-val { font-family:'Lora',serif; font-size:clamp(1.9rem,3.5vw,2.6rem); font-weight:700; color:var(--green); line-height:1; letter-spacing:-0.8px; transition:all 0.3s; }
.netto-per { font-size:0.8rem; color:var(--green-m); margin-top:6px; }

.bklist { list-style:none; display:flex; flex-direction:column; gap:6px; }
.bk { display:flex; align-items:center; gap:9px; padding:8px 10px; border-radius:8px; transition:background 0.12s; }
.bk:hover { background:var(--bg); }
.bk-dot { width:8px; height:8px; border-radius:2px; flex-shrink:0; }
.bk-name { flex:1; font-size:0.82rem; font-weight:500; color:var(--text); }
.bk-pct { font-size:0.72rem; color:var(--muted); margin-right:2px; }
.bk-amt { font-family:'Lora',serif; font-size:0.84rem; font-weight:600; color:var(--text); text-align:right; min-width:72px; }
.bk.is-n { border-top:1px solid var(--border); padding-top:10px; margin-top:2px; }
.bk.is-n .bk-name { font-weight:700; color:var(--green); }
.bk.is-n .bk-amt { color:var(--green); font-size:0.94rem; }

.eff-row { margin-top:14px; padding:12px 14px; background:#3a3530; border-radius:9px; display:flex; justify-content:space-between; align-items:center; }
.eff-row span:first-child { font-size:0.78rem; color:rgba(255,255,255,0.55); }
.eff-row span:last-child { font-family:'Lora',serif; font-size:1rem; font-weight:700; color:white; }
.res-note { text-align:center; font-size:0.7rem; color:var(--muted); margin-top:11px; }

/* ── Hero ───────────────────────────────────────────────── */
.hero { text-align: center; padding: 72px 24px 64px; max-width: 680px; margin: 0 auto; position: relative; z-index: 1; }
.hero h1 { font-family: 'Lora', serif; font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 700; color: var(--text); line-height: 1.12; letter-spacing: -0.5px; margin-bottom: 14px; }
.hero h1 em { font-style: normal; color: var(--green); }
.hero p { font-size: 1.05rem; color: var(--muted); font-weight: 300; max-width: 480px; margin: 0 auto; }

/* ── Calculator ─────────────────────────────────────────── */
.calc-grid { display: grid; grid-template-columns: 1.8fr 1fr; gap: 24px; align-items: start; padding-bottom: 72px; }
.results-card { position: sticky; top: 76px; }

/* ── Page Hero ──────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--green-d) 0%, var(--green) 100%);
  color: white; padding: 72px 0 64px; position: relative; z-index: 1; overflow: hidden;
}
.page-hero::before { content: ''; position: absolute; top: -60px; right: -60px; width: 300px; height: 300px; background: rgba(255,255,255,0.04); border-radius: 50%; }
.page-hero-inner { max-width: 920px; margin: 0 auto; padding: 0 32px; }
.page-hero .eyebrow { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 12px; display: block; }
.page-hero h1 { font-family: 'Lora', serif; font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 700; line-height: 1.15; letter-spacing: -0.4px; margin-bottom: 16px; }
.page-hero p { font-size: 1.05rem; color: rgba(255,255,255,0.7); font-weight: 300; max-width: 560px; line-height: 1.65; }
.page-hero .meta { margin-top: 24px; display: flex; gap: 24px; flex-wrap: wrap; }
.page-hero .meta span { font-size: 0.8rem; color: rgba(255,255,255,0.45); }

/* ── Breadcrumb ─────────────────────────────────────────── */
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.78rem; color: var(--muted); padding: 20px 0 0; flex-wrap: wrap; }
.breadcrumb a { color: var(--green); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb .sep { color: var(--border); }

/* ── Article body ───────────────────────────────────────── */
.article-body { padding: 48px 0 80px; }
.article-body > p:first-child { margin-top: 0; }
.article-body h2 { font-family: 'Lora', serif; font-size: 1.55rem; font-weight: 700; color: var(--text); letter-spacing: -0.3px; margin: 44px 0 14px; }
.article-body h3 { font-family: 'Lora', serif; font-size: 1.15rem; font-weight: 600; color: var(--text); margin: 28px 0 10px; }
.article-body p { font-size: 1rem; color: #3a3a3a; line-height: 1.8; margin-bottom: 16px; }
.article-body ul, .article-body ol { margin: 12px 0 20px 22px; line-height: 1.75; }
.article-body li { font-size: 0.97rem; color: #3a3a3a; margin-bottom: 7px; }
.article-body strong { font-weight: 700; color: var(--text); }
.article-body .info-box { background: var(--green-l); border: 1.5px solid rgba(26,92,58,0.2); border-left: 4px solid var(--green); border-radius: 10px; padding: 18px 20px; margin: 28px 0; }
.article-body .info-box p { margin: 0; font-size: 0.93rem; color: var(--green-m); line-height:1.65; }
.article-body table { width: 100%; border-collapse: collapse; margin: 24px 0; border-radius: 10px; overflow: hidden; box-shadow: var(--sh); font-size: 0.93rem; }
.article-body table thead { background: var(--green); color: white; }
.article-body table th { padding: 13px 16px; text-align: left; font-weight: 600; font-size: 0.83rem; }
.article-body table td { padding: 12px 16px; border-bottom: 1px solid var(--border); color: #3a3a3a; }
.article-body table tbody tr:nth-child(even) { background: var(--bg); }
.article-body table tbody tr:last-child td { border-bottom: none; }

/* ── Section head ───────────────────────────────────────── */
.section-head { text-align:center; margin-bottom:40px; }
.section-head h2 { font-family:'Lora',serif; font-size:clamp(1.5rem,3vw,2rem); font-weight:700; color:var(--text); letter-spacing:-0.3px; margin-bottom:10px; }
.section-head p { font-size:0.92rem; color:var(--muted); font-weight:300; }

/* ── How cards ──────────────────────────────────────────── */
.how { padding: 24px 0 80px; position: relative; z-index: 1; }
.how-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.how-card { background:var(--surface); border:1px solid var(--border); border-radius:var(--r); padding:32px 24px; text-align:center; box-shadow:var(--sh); position:relative; overflow:hidden; transition: box-shadow 0.2s, transform 0.2s; }
.how-card:hover { box-shadow:var(--sh-lg); transform:translateY(-2px); }
.how-card::after { content:''; position:absolute; top:0; left:0; right:0; height:3px; background:var(--green); border-radius:3px 3px 0 0; }
.how-num { font-family:'Lora',serif; font-size:2.6rem; font-weight:700; color:var(--border); line-height:1; margin-bottom:14px; letter-spacing:-1px; }
.how-ico { width:52px; height:52px; background:var(--green-l); border-radius:14px; display:flex; align-items:center; justify-content:center; margin:0 auto 16px; }
.how-ico svg { width:24px; height:24px; stroke:var(--green-m); fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
.how-card h3 { font-family:'Lora',serif; font-size:1.05rem; font-weight:700; margin-bottom:8px; color:var(--text); }
.how-card p { font-size:0.85rem; color:var(--muted); line-height:1.65; font-weight:300; }

/* ── FAQ ────────────────────────────────────────────────── */
.faq-section { background:var(--surface); border-top:1px solid var(--border); padding:72px 0; position:relative; z-index:1; }
.faq-list { display:flex; flex-direction:column; gap:10px; }
.faq-item { border:1px solid var(--border); border-radius:var(--r); overflow:hidden; background:var(--bg); }
.faq-q { display:flex; align-items:center; justify-content:space-between; padding:18px 22px; font-weight:600; color:var(--text); cursor:pointer; list-style:none; gap:12px; font-size:0.97rem; }
.faq-q::-webkit-details-marker { display:none; }
.faq-q::after { content:'+'; font-size:1.5rem; color:var(--green); flex-shrink:0; transition:transform 0.2s; line-height:1; }
details[open] .faq-q::after { transform:rotate(45deg); }
.faq-a { padding:16px 22px 20px; color:#555; font-size:0.94rem; line-height:1.7; border-top:1px solid var(--border); }

/* ── Blog cards ─────────────────────────────────────────── */
.blog-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.blog-card { background:var(--surface); border:1px solid var(--border); border-radius:var(--r); overflow:hidden; box-shadow:var(--sh); text-decoration:none; color:inherit; transition:box-shadow 0.2s, transform 0.2s; display:flex; flex-direction:column; }
.blog-card:hover { box-shadow:var(--sh-lg); transform:translateY(-3px); }
.blog-card-top { background:linear-gradient(135deg, var(--green-d), var(--green)); padding:32px 24px; position:relative; overflow:hidden; }
.blog-card-top::after { content:''; position:absolute; bottom:-20px; right:-20px; width:80px; height:80px; background:rgba(255,255,255,0.06); border-radius:50%; }
.blog-card-ico { font-size:2.2rem; }
.blog-card-tag { display:inline-block; margin-top:14px; font-size:0.68rem; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; color:rgba(255,255,255,0.55); background:rgba(255,255,255,0.1); padding:3px 9px; border-radius:4px; }
.blog-card-body { padding:24px; flex:1; display:flex; flex-direction:column; }
.blog-card-body h3 { font-family:'Lora',serif; font-size:1.05rem; font-weight:700; color:var(--text); margin-bottom:10px; line-height:1.35; }
.blog-card-body p { font-size:0.86rem; color:var(--muted); line-height:1.65; flex:1; }
.blog-card-foot { padding:14px 24px; border-top:1px solid var(--border); display:flex; align-items:center; justify-content:space-between; }
.blog-card-foot span { font-size:0.77rem; color:var(--muted); }
.blog-card-foot .read-more { font-size:0.82rem; font-weight:600; color:var(--green); }

/* ── Legal pages ────────────────────────────────────────── */
.legal-body { padding: 48px 0 80px; }
.legal-body h2 { font-family:'Lora',serif; font-size:1.35rem; font-weight:700; color:var(--text); margin:40px 0 12px; }
.legal-body h2:first-child { margin-top:0; }
.legal-body h3 { font-family:'Lora',serif; font-size:1.05rem; font-weight:600; color:var(--text); margin:24px 0 8px; }
.legal-body p { font-size:0.96rem; color:#4a4a4a; line-height:1.78; margin-bottom:14px; }
.legal-body ul { margin:10px 0 16px 22px; }
.legal-body li { font-size:0.94rem; color:#4a4a4a; line-height:1.72; margin-bottom:6px; }
.legal-body a { color:var(--green); }
.legal-updated { font-size:0.82rem; color:var(--muted); margin-bottom:32px; padding:12px 16px; background:var(--bg); border-radius:8px; border:1px solid var(--border); display:inline-block; }

/* ── Contact ────────────────────────────────────────────── */
.contact-grid { display:grid; grid-template-columns:1fr 1.3fr; gap:48px; align-items:start; padding:48px 0 80px; }
.contact-info h2 { font-family:'Lora',serif; font-size:1.6rem; font-weight:700; color:var(--text); margin-bottom:14px; line-height:1.2; }
.contact-info p { font-size:0.95rem; color:var(--muted); line-height:1.7; margin-bottom:28px; }
.contact-detail { display:flex; align-items:flex-start; gap:14px; margin-bottom:20px; }
.contact-detail-ico { width:38px; height:38px; background:var(--green-l); border-radius:10px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.contact-detail-ico svg { width:16px; height:16px; stroke:var(--green); fill:none; stroke-width:2; stroke-linecap:round; }
.contact-detail-text strong { display:block; font-size:0.83rem; font-weight:700; color:var(--text); margin-bottom:3px; }
.contact-detail-text span { font-size:0.85rem; color:var(--muted); }
.cform { display:flex; flex-direction:column; gap:16px; }
.cform input, .cform textarea, .cform select { width:100%; padding:13px 16px; font-size:0.93rem; font-family:'Source Sans 3',sans-serif; color:var(--text); border:2px solid var(--border); border-radius:10px; background:var(--bg); outline:none; transition:border-color 0.2s, box-shadow 0.2s; }
.cform select { appearance:none; cursor:pointer; }
.cform input:focus, .cform textarea:focus, .cform select:focus { border-color:var(--green); background:white; box-shadow:0 0 0 4px rgba(26,92,58,0.09); }
.cform textarea { resize:vertical; min-height:150px; }
.cform label { font-size:0.83rem; font-weight:600; color:var(--text); margin-bottom:4px; display:block; }
.cform-group { display:flex; flex-direction:column; }
.cform-row { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.btn-primary { background:var(--green); color:white; border:none; border-radius:10px; padding:15px 28px; font-size:0.97rem; font-weight:600; cursor:pointer; font-family:'Source Sans 3',sans-serif; transition:background 0.18s, transform 0.15s, box-shadow 0.18s; box-shadow:0 4px 16px rgba(26,92,58,0.25); }
.btn-primary:hover { background:var(--green-m); transform:translateY(-1px); box-shadow:0 6px 20px rgba(26,92,58,0.3); }
.form-success { display:none; background:var(--green-l); border:1.5px solid rgba(26,92,58,0.2); border-radius:10px; padding:28px; text-align:center; }
.form-success.show { display:block; }

/* ── About page ─────────────────────────────────────────── */
.mission-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; margin:32px 0; }
.mission-card { background:var(--surface); border:1px solid var(--border); border-radius:var(--r); padding:28px; box-shadow:var(--sh); }
.mission-card .ico { font-size:2rem; margin-bottom:14px; }
.mission-card h3 { font-family:'Lora',serif; font-size:1.05rem; font-weight:700; color:var(--text); margin-bottom:10px; }
.mission-card p { font-size:0.89rem; color:var(--muted); line-height:1.65; }
.trust-row { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin:36px 0; }
.trust-item { text-align:center; padding:28px 16px; background:var(--surface); border:1px solid var(--border); border-radius:var(--r); box-shadow:var(--sh); }
.trust-num { font-family:'Lora',serif; font-size:2.4rem; font-weight:700; color:var(--green); margin-bottom:6px; line-height:1; }
.trust-label { font-size:0.83rem; color:var(--muted); line-height:1.4; }

/* ── Responsive ─────────────────────────────────────────── */
@media (max-width: 960px) {
  .wrap, .wrap-sm, .wrap-md { padding: 0 20px; }
  .footer-grid { padding: 0 20px; padding-bottom: 40px; grid-template-columns: 1fr 1fr; gap:32px; }
  .footer-bottom { padding: 0 20px; }
}
@media (max-width: 900px) {
  header { padding: 0 20px; }
  .hero { padding: 48px 18px 40px; }
  .calc-grid { grid-template-columns: 1fr; }
  .results-card { position: static; }
  .how-grid { grid-template-columns: 1fr; gap:14px; }
  .blog-grid { grid-template-columns: 1fr 1fr; gap:16px; }
  .contact-grid { grid-template-columns: 1fr; }
  .cform-row { grid-template-columns: 1fr; }
  .page-hero { padding: 56px 0 48px; }
  .mission-grid { grid-template-columns: 1fr; }
  .trust-row { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  footer { padding: 40px 0 24px; }
  .footer-grid { grid-template-columns: 1fr; gap:24px; }
  .blog-grid { grid-template-columns: 1fr; }
  .faq-section { padding: 48px 0; }
  .legal-body, .article-body { padding: 32px 0 56px; }
  .contact-grid { padding: 32px 0 56px; }
}

/* ── GKV/PKV compare ────────────────────────────────────── */
.compare-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; margin:24px 0; }
.compare-box { border-radius:12px; padding:24px; border:2px solid; }
.compare-box.gkv { background:#e8f3ed; border-color:rgba(26,92,58,0.25); }
.compare-box.pkv { background:#eef3fe; border-color:rgba(59,130,246,0.25); }
.compare-box h3 { font-family:'Lora',serif; font-size:1.05rem; margin-bottom:12px; }
.compare-box.gkv h3 { color:#1a5c3a; }
.compare-box.pkv h3 { color:#1d4ed8; }
.compare-box ul { margin:0; padding-left:18px; }
.compare-box li { font-size:0.88rem; color:#4a4a4a; margin-bottom:5px; line-height:1.55; }
@media(max-width:600px){ .compare-grid { grid-template-columns:1fr; } }