/* ==========================================================================
   Nagy Boglárka — biztosítási és pénzügyi tanácsadó
   Design tokens + base + layout + komponensek
   ========================================================================== */

:root {
  /* Colors */
  --ink-900: #0A3038;
  --ink-700: #123F49;
  --brand-600: #0D5961;
  --brand-400: #2F7F7A;
  --mint-300: #72B6AC;
  --gold-500: #D7AA51;
  --gold-600: #B88732;
  --gold-400: #E4BB68;
  --bg: #FFFDF8;
  --bg-ivory: #F7F4ED;
  --text-muted: #5D7478;
  --border: #DBE6E3;
  --border-strong: #AEC9C4;
  --white: #FFFFFF;

  --tint-1: #DFEEE9;
  --tint-2: #F1F7F4;
  --tint-3: #EEF7F4;
  --tint-4: #E3F0EC;
  --tint-5: #E4F1ED;

  --warn-bg: #FCEEE7;
  --warn-border: #F2D3BE;
  --warn-accent: #C1592E;

  /* Shadows */
  --sh-card: 0 24px 70px rgba(10, 48, 56, .13);
  --sh-btn: 0 12px 26px rgba(13, 89, 97, .22);
  --sh-btn-hover: 0 15px 34px rgba(13, 89, 97, .28);
  --sh-service: 0 18px 44px rgba(10, 48, 56, .09);
  --sh-float: 0 18px 40px rgba(10, 48, 56, .22);
  --sh-calc: 0 28px 80px rgba(0, 0, 0, .22);
  --sh-focus: 0 0 0 4px rgba(13, 89, 97, .12);
  --sh-gold-dot: 0 0 0 4px rgba(215, 170, 81, .15);
  --sh-monogram: inset 0 -12px 28px rgba(0, 0, 0, .12);

  /* Radii */
  --r-pill: 999px;
  --r-card-lg: 28px;
  --r-hero-card: 36px;
  --r-service-card: 24px;
  --r-about-card: 34px;
  --r-panel: 20px;
  --r-mobile-menu: 18px;
  --r-icon-bg: 15px;
  --r-input: 13px;
  --r-menu-btn: 12px;
  --r-select: 11px;
}

/* ---- Base ---- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink-700);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, p, ol, ul {
  margin: 0;
}

a {
  color: var(--brand-600);
  text-decoration: none;
}

a:hover {
  color: var(--ink-700);
}

button, input, select {
  font-family: inherit;
}

::selection {
  background: rgba(215, 170, 81, .28);
}

:focus-visible {
  outline: 2px solid var(--brand-600);
  outline-offset: 3px;
}

img {
  max-width: 100%;
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -60px;
  background: var(--brand-600);
  color: var(--white);
  padding: 10px 18px;
  border-radius: var(--r-input);
  z-index: 100;
  transition: top .2s ease;
}

.skip-link:focus {
  top: 12px;
  color: var(--white);
}

/* ---- Layout helpers ---- */
.shell {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 28px;
}

.two-col {
  display: grid;
  gap: 64px;
  align-items: center;
}

.eyebrow {
  font-size: 12.48px;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--brand-400);
  margin-bottom: 14px;
}

.eyebrow--light {
  color: var(--mint-300);
}

.h1 {
  font-size: clamp(44px, 6.4vw, 86.4px);
  line-height: .98;
  letter-spacing: -.055em;
  font-weight: 800;
  color: var(--ink-900);
}

.h2 {
  font-size: clamp(32px, 4.4vw, 52px);
  line-height: 1.08;
  letter-spacing: -.035em;
  font-weight: 800;
  color: var(--ink-900);
}

.h2--light {
  color: var(--bg);
}

.h2--about {
  font-size: clamp(32px, 3.4vw, 38.4px);
}

.lead {
  font-size: 18.24px;
  color: var(--text-muted);
  margin-top: 16px;
}

.lead--light {
  color: var(--tint-1);
}

.text-brand {
  color: var(--brand-600);
}

/* ---- Buttons ---- */
.btn {
  min-height: 50px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 13px 22px !important;
  border-radius: var(--r-pill);
  font-weight: 780;
  font-size: 16px;
  border: none;
  cursor: pointer;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}

.btn--primary {
  color: var(--white);
  background: var(--brand-600);
  box-shadow: var(--sh-btn);
}

.btn--primary:hover {
  background: var(--ink-700);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--sh-btn-hover);
}

.btn--ghost {
  border: 1px solid var(--border-strong);
  background: rgba(255, 255, 255, .58);
  color: var(--ink-700);
  transition: transform .2s ease, background .2s ease;
}

.btn--ghost:hover {
  background: var(--white);
  color: var(--ink-700);
  transform: translateY(-2px);
}

.btn--gold {
  color: var(--ink-900);
  background: var(--gold-500);
  width: 100%;
}

.btn--gold:hover {
  background: var(--gold-400);
  color: var(--ink-900);
  transform: translateY(-2px);
}

.btn--full {
  width: 100%;
}

.btn--nowrap {
  white-space: nowrap;
}

.btn--nav {
  font-size: 15.2px;
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

/* ---- Header ---- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 253, 248, .88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 70px;
  position: relative;
}

.site-header__logo-link {
  display: flex;
  align-items: center;
  flex: 0 1 auto;
  min-width: 0;
}

.site-header__logo {
  height: 60px;
  width: auto;
  max-width: 100%;
  display: block;
}

.menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 4px;
  width: 42px;
  height: 42px;
  padding: 0 11px;
  border: 1px solid var(--border);
  border-radius: var(--r-menu-btn);
  background: var(--white);
  cursor: pointer;
}

.menu-toggle__bar {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--ink-700);
  border-radius: 2px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 26px;
}

.nav-links > a {
  font-size: 15.2px;
  font-weight: 600;
  color: var(--ink-700);
  padding: 8px 2px;
}

.nav-links > a.btn {
  color: var(--white);
}

.nav-links > a.btn:hover {
  color: var(--white);
}

/* ---- Trust row ---- */
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 26px;
  margin-top: 34px;
}

.trust-row__item {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 16px;
  font-weight: 600;
  color: var(--ink-700);
}

.dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
}

.dot--gold {
  background: var(--gold-500);
  box-shadow: var(--sh-gold-dot);
}

/* ---- Hero ---- */
.hero {
  position: relative;
  padding: 76px 28px 92px;
  background: linear-gradient(180deg, var(--bg) 0%, var(--tint-2) 100%);
  overflow: hidden;
}

.hero--sub {
  padding-top: 44px;
}

.hero__circle {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.hero__circle--top {
  top: -160px;
  right: -120px;
  width: 420px;
  height: 420px;
  background: radial-gradient(circle at 30% 30%, var(--tint-1), rgba(223, 238, 233, 0));
}

.hero__circle--bottom {
  bottom: -190px;
  left: -140px;
  width: 380px;
  height: 380px;
  background: radial-gradient(circle at 60% 40%, var(--tint-4), rgba(227, 240, 236, 0));
}

.hero__grid {
  position: relative;
  grid-template-columns: minmax(0, 1.04fr) minmax(0, .96fr);
}

.hero__lead {
  max-width: 33em;
}

.hero__visual {
  position: relative;
}

.hero-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-hero-card);
  padding: 28px;
  box-shadow: var(--sh-card);
}

.hero-card__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 6px;
}

.hero-card__title {
  font-size: 16px;
  font-weight: 700;
  color: var(--ink-900);
}

.badge {
  font-size: 12.48px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gold-600);
  background: var(--bg);
  border: 1px solid rgba(215, 170, 81, .45);
  border-radius: var(--r-pill);
  padding: 6px 12px;
}

.hero-card__graph {
  width: 100%;
  height: auto;
  display: block;
}

.goal-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.goal-grid__item {
  border-radius: var(--r-panel);
  padding: 14px 16px;
}

.goal-grid__item strong {
  display: block;
  font-size: 20px;
  color: var(--brand-600);
}

.goal-grid__item span {
  font-size: 16px;
  color: var(--text-muted);
}

.goal-grid__item--1 { background: var(--tint-2); }
.goal-grid__item--2 { background: var(--tint-3); }
.goal-grid__item--3 { background: var(--tint-5); }

.floating-note {
  position: absolute;
  left: -18px;
  bottom: -30px;
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--ink-900);
  color: var(--white);
  border-radius: var(--r-panel);
  padding: 14px 18px;
  box-shadow: var(--sh-float);
  animation: floaty 6s ease-in-out infinite;
}

.floating-note__icon {
  font-size: 20px;
  color: var(--gold-500);
}

.floating-note__text {
  display: flex;
  flex-direction: column;
  line-height: 1.3;
}

.floating-note__text strong {
  font-size: 16px;
}

.floating-note__text small {
  font-size: 12.48px;
  color: var(--tint-1);
}

@keyframes floaty {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* ---- Services ---- */
.services {
  padding: 96px 28px;
  background: var(--bg);
}

.section-head {
  max-width: 34em;
  margin-bottom: 46px;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(272px, 1fr));
  gap: 22px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-service-card);
  padding: 26px;
  transition: transform .25s ease, box-shadow .25s ease;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--sh-service);
}

.service-card__icon {
  width: 50px;
  height: 50px;
  border-radius: var(--r-icon-bg);
  background: var(--tint-4);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  color: var(--brand-600);
  margin-bottom: 16px;
}

.service-card__icon img {
  width: 26px;
  height: 26px;
  display: block;
}

.service-card__label {
  display: inline-block;
  font-size: 12.48px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 8px;
}

.service-card__title {
  font-size: 20px;
  font-weight: 700;
  color: var(--ink-900);
  letter-spacing: -.01em;
}

.service-card__body {
  font-size: 16px;
  color: var(--text-muted);
  margin-top: 10px;
}

.service-card__link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  font-size: 15px;
  font-weight: 780;
  color: var(--brand-600);
}

.service-card__link:hover {
  color: var(--ink-700);
}

.service-card__gain {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
  font-size: 14px;
  color: var(--text-muted);
}

.service-card__gain-icon {
  flex: 0 0 auto;
  color: var(--brand-400);
  font-weight: 800;
}

/* ---- Process ---- */
.process {
  padding: 96px 28px;
  background: var(--bg-ivory);
}

.process__grid {
  grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr);
  align-items: start;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-top: 24px;
  font-size: 16px;
  font-weight: 780;
  color: var(--brand-600);
  border-bottom: 2px solid rgba(13, 89, 97, .25);
  padding-bottom: 4px;
}

.text-link:hover {
  color: var(--ink-700);
  border-bottom-color: var(--ink-700);
}

.step-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.step-card {
  display: flex;
  gap: 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-service-card);
  padding: 24px 26px;
}

.step-card__num {
  flex: 0 0 auto;
  font-size: 20px;
  font-weight: 800;
  color: var(--gold-500);
}

.step-card__title {
  font-size: 20px;
  font-weight: 700;
  color: var(--ink-900);
}

.step-card__body {
  font-size: 16px;
  color: var(--text-muted);
  margin-top: 8px;
}

/* ---- Calculator ---- */
.calculator {
  padding: 96px 28px;
  background: linear-gradient(160deg, var(--ink-700) 0%, var(--ink-900) 100%);
}

.calculator__grid {
  grid-template-columns: minmax(0, 1fr) minmax(0, .9fr);
  align-items: start;
}

.notice-panel {
  margin-top: 26px;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(114, 182, 172, .35);
  border-radius: var(--r-panel);
  padding: 18px 20px;
  font-size: 16px;
  color: var(--tint-1);
}

.notice-panel strong {
  color: var(--gold-500);
}

.calculator-card {
  background: var(--bg);
  border-radius: var(--r-card-lg);
  padding: 28px;
  box-shadow: var(--sh-calc);
}

.field-group {
  margin-bottom: 24px;
}

.field-group--select {
  margin-bottom: 22px;
}

.field-group__head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 12px;
}

.field-group__head label {
  font-size: 16px;
  font-weight: 700;
  color: var(--ink-700);
}

.field-group__head output {
  font-size: 20px;
  font-weight: 800;
  color: var(--brand-600);
}

.field-group__ends {
  display: flex;
  justify-content: space-between;
  font-size: 12.48px;
  color: var(--text-muted);
}

.field-group--select label {
  display: block;
  font-size: 16px;
  font-weight: 700;
  color: var(--ink-700);
  margin-bottom: 8px;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  background: transparent;
  width: 100%;
  height: 24px;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: var(--r-pill);
  background: rgba(114, 182, 172, .35);
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  height: 22px;
  width: 22px;
  margin-top: -8px;
  border-radius: 50%;
  background: var(--gold-500);
  border: 3px solid var(--white);
  box-shadow: var(--sh-gold-dot);
  cursor: pointer;
}

input[type="range"]::-moz-range-track {
  height: 6px;
  border-radius: var(--r-pill);
  background: rgba(114, 182, 172, .35);
}

input[type="range"]::-moz-range-thumb {
  height: 18px;
  width: 18px;
  border-radius: 50%;
  background: var(--gold-500);
  border: 3px solid var(--white);
  cursor: pointer;
}

select {
  width: 100%;
  min-height: 50px;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--r-select);
  background: var(--white);
  color: var(--ink-700);
  font-size: 16px;
  font-weight: 600;
}

.field-divider {
  border: none;
  height: 1px;
  background: var(--border);
  margin: 24px 0;
}

.duration-card {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: var(--tint-2);
  border: 1px solid var(--border);
  border-radius: var(--r-panel);
  padding: 16px 18px;
  margin-bottom: 18px;
}

.duration-card__icon {
  flex: 0 0 auto;
  color: var(--brand-400);
  margin-top: 2px;
}

.duration-card__text {
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-size: 14px;
  color: var(--text-muted);
}

.duration-card__text strong {
  font-size: 16px;
  color: var(--ink-900);
}

.duration-warning {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: var(--warn-bg);
  border: 1px solid var(--warn-border);
  border-radius: var(--r-panel);
  padding: 18px;
  margin-bottom: 18px;
}

.duration-warning[hidden] {
  display: none;
}

.duration-warning__icon {
  flex: 0 0 auto;
  color: var(--warn-accent);
  margin-top: 2px;
}

.duration-warning__text strong {
  display: block;
  font-size: 16px;
  color: var(--warn-accent);
  margin-bottom: 8px;
}

.duration-warning__text p {
  font-size: 14px;
  color: var(--text-muted);
  margin: 0 0 14px;
}

.btn--sm {
  min-height: 40px !important;
  padding: 9px 18px !important;
  font-size: 14px !important;
}

.form-fields-stack {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin-bottom: 22px;
}

.calculator-card .form-field input {
  background: var(--white);
}

.form-field label {
  display: block;
  font-size: 16px;
  font-weight: 700;
  color: var(--ink-700);
  margin-bottom: 8px;
}

.form-field input {
  width: 100%;
  min-height: 50px;
  padding: 13px 15px;
  border: 1px solid var(--border);
  border-radius: var(--r-input);
  background: var(--bg);
  color: var(--ink-700);
  font-size: 16px;
}

.form-field input:focus-visible,
.form-field input:focus {
  border-color: var(--brand-600);
  box-shadow: var(--sh-focus);
  outline: none;
}

.checkbox-field {
  display: grid;
  grid-template-columns: auto 1fr;
  column-gap: 12px;
  row-gap: 6px;
  align-items: start;
  font-size: 16px;
  color: var(--text-muted);
}

.checkbox-field .field-error {
  grid-column: 2;
}

.checkbox-field input {
  margin-top: 5px;
  width: 18px;
  height: 18px;
  min-width: 44px;
  min-height: 18px;
  accent-color: var(--brand-600);
}

.form-field input.is-invalid {
  border-color: var(--warn-accent);
}

.field-error {
  display: block;
  min-height: 16px;
  margin-top: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--warn-accent);
}

.field-error:empty {
  margin-top: 0;
  min-height: 0;
}

.form-note {
  font-size: 12.48px;
  color: var(--text-muted);
  text-align: center;
}

/* ---- Testimonials / Carousel ---- */
.testimonials {
  padding: 96px 28px;
  background: var(--bg);
}

.testimonials__header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 40px;
}

.testimonials__header > div {
  max-width: 34em;
}

.testimonials__arrows {
  display: flex;
  gap: 12px;
  flex: 0 0 auto;
}

.carousel-btn {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  cursor: pointer;
  transition: transform .2s ease, background .2s ease;
}

.carousel-btn--prev {
  border: 1px solid var(--border-strong);
  background: rgba(255, 255, 255, .58);
  color: var(--ink-700);
}

.carousel-btn--prev:hover {
  background: var(--white);
}

.carousel-btn--next {
  border: none;
  background: var(--brand-600);
  color: var(--white);
  box-shadow: var(--sh-btn);
}

.carousel-btn--next:hover {
  background: var(--ink-700);
}

.carousel-viewport {
  overflow: hidden;
}

.carousel-track {
  display: flex;
  list-style: none;
  margin: 0 -22px 0 0;
  padding: 0;
  transition: transform .55s cubic-bezier(.4, 0, .2, 1);
}

.testimonial-slide {
  flex: 0 0 33.3333%;
  padding-right: 22px;
}

.testimonial-card {
  height: 100%;
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-service-card);
  padding: 26px;
}

.testimonial-card__stars {
  color: var(--gold-500);
  font-size: 16px;
  letter-spacing: 2px;
  margin-bottom: 14px;
}

.testimonial-card__quote {
  font-size: 16px;
  color: var(--ink-700);
  flex: 1;
}

.testimonial-card__divider {
  height: 1px;
  background: var(--border);
  margin: 20px 0 16px;
}

.testimonial-card__meta {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-card__avatar {
  flex: 0 0 auto;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--tint-4);
  color: var(--brand-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
}

.testimonial-card__person {
  display: flex;
  flex-direction: column;
  line-height: 1.3;
}

.testimonial-card__name {
  font-size: 16px;
  font-weight: 700;
  color: var(--ink-900);
}

.testimonial-card__topic {
  font-size: 12.48px;
  color: var(--text-muted);
}

.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 28px;
}

.carousel-dot {
  width: 9px;
  height: 9px;
  border-radius: var(--r-pill);
  background: var(--border);
  border: none;
  padding: 0;
  cursor: pointer;
  transition: width .3s ease, background .3s ease;
}

.carousel-dot--active {
  width: 26px;
  background: var(--brand-600);
}

/* ---- About strip ---- */
.about-wrap {
  padding: 0 28px 96px;
  background: var(--bg);
}

.about-card {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 32px;
  align-items: start;
  background: linear-gradient(140deg, var(--tint-2) 0%, var(--tint-1) 100%);
  border: 1px solid var(--border);
  border-radius: var(--r-about-card);
  padding: 38px;
}

.about-card__monogram {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: var(--brand-600);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 32px;
  font-weight: 800;
  letter-spacing: .02em;
  box-shadow: var(--sh-monogram);
}

.about-card__body {
  font-size: 16px;
  color: var(--text-muted);
  margin-top: 14px;
  max-width: 46em;
}

.about-card__divider {
  border: none;
  height: 1px;
  background: var(--border-strong);
  margin: 30px 0;
}

.about-card__form .form-field input {
  background: var(--white);
}

.ask-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-bottom: 18px;
}

.ask-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

/* ---- Breadcrumb ---- */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 18px;
}

.breadcrumb a {
  color: var(--brand-600);
}

.breadcrumb span[aria-current] {
  color: var(--text-muted);
}

/* ---- Comparison panels (#kinek) ---- */
.section-head--center {
  max-width: 40em;
  margin: 0 auto 46px;
  text-align: center;
}

.compare-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
}

.compare-panel {
  padding: 30px;
  border-radius: var(--r-service-card);
}

.compare-panel--yes {
  background: var(--white);
  border: 1px solid rgba(215, 170, 81, .55);
  box-shadow: var(--sh-card);
}

.compare-panel--no {
  background: var(--bg);
  border: 1px solid var(--border);
}

.compare-panel__pill {
  display: inline-block;
  font-size: 12.48px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: var(--r-pill);
  margin-bottom: 16px;
}

.compare-panel--yes .compare-panel__pill {
  background: var(--brand-600);
  color: var(--white);
}

.compare-panel--no .compare-panel__pill {
  background: var(--tint-2);
  color: var(--text-muted);
}

.compare-panel__title {
  font-size: 20px;
  font-weight: 700;
  color: var(--ink-900);
}

.compare-list {
  list-style: none;
  padding: 0;
  margin-top: 18px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.compare-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 16px;
}

.compare-list--yes li {
  color: var(--ink-700);
}

.compare-list--no li {
  color: var(--text-muted);
}

.compare-marker--square {
  flex: 0 0 auto;
  display: inline-block;
  width: 8px;
  height: 8px;
  margin-top: 7px;
  border-radius: 2px;
  background: var(--brand-600);
}

.compare-marker--cross {
  flex: 0 0 auto;
  font-weight: 700;
  color: var(--text-muted);
}

.kinek-goals {
  margin-top: 48px;
}

.kinek-goals__title {
  font-size: 20px;
  font-weight: 700;
  color: var(--ink-900);
  text-align: center;
  margin-bottom: 22px;
}

.mini-goal-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.mini-goal-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-service-card);
  padding: 20px;
  text-align: center;
}

.mini-goal-card__label {
  font-size: 15px;
  font-weight: 700;
  color: var(--ink-900);
}

.mini-goal-card__value {
  display: block;
  font-size: 20px;
  font-weight: 800;
  color: var(--brand-600);
  margin-top: 8px;
}

/* ---- Legal / policy page ---- */
.legal {
  padding: 76px 28px 96px;
  background: var(--bg);
}

.legal__shell {
  max-width: 860px;
}

.legal__header {
  margin-bottom: 40px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--border);
}

.legal__effective {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  margin-top: 18px;
}

.legal-section {
  margin-top: 44px;
}

.legal-section:first-child {
  margin-top: 0;
}

.legal-section h2 {
  font-size: clamp(22px, 2.6vw, 28px);
  line-height: 1.2;
  letter-spacing: -.02em;
  font-weight: 800;
  color: var(--ink-900);
  margin-bottom: 14px;
}

.legal-section h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--ink-900);
  margin-top: 26px;
  margin-bottom: 12px;
}

.legal-section p {
  font-size: 16px;
  color: var(--text-muted);
  margin-top: 12px;
}

.legal-section p:first-of-type {
  margin-top: 0;
}

.legal-section a,
.checkbox-field a {
  text-decoration: underline;
  text-underline-offset: 2px;
}

.checkbox-field a {
  font-weight: 600;
}

.legal-list {
  list-style: none;
  padding: 0;
  margin-top: 12px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.legal-list li {
  position: relative;
  padding-left: 22px;
  font-size: 16px;
  color: var(--text-muted);
}

.legal-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 9px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-500);
}

.legal-table-wrap {
  overflow-x: auto;
  margin-top: 16px;
  border: 1px solid var(--border);
  border-radius: var(--r-input);
}

.legal-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}

.legal-table th,
.legal-table td {
  text-align: left;
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}

.legal-table tbody tr:last-child th,
.legal-table tbody tr:last-child td {
  border-bottom: none;
}

.legal-table thead th {
  background: var(--tint-2);
  color: var(--ink-700);
  font-weight: 700;
  white-space: nowrap;
}

.legal-table td {
  color: var(--text-muted);
  min-width: 200px;
}

.legal-table--kv th {
  background: var(--tint-2);
  color: var(--ink-700);
  font-weight: 700;
  white-space: nowrap;
  width: 220px;
}

.legal-table--kv td {
  min-width: 0;
}

/* ---- Footer ---- */
.site-footer {
  background: var(--ink-900);
  padding: 40px 28px;
}

.site-footer__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.site-footer__logo {
  height: 48px;
  width: auto;
  max-width: 100%;
  display: block;
}

.site-footer__text {
  font-size: 16px;
  color: var(--mint-300);
}

.site-footer__links {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.site-footer__link {
  font-size: 16px;
  font-weight: 700;
  color: var(--tint-1);
}

.site-footer__link:hover {
  color: var(--gold-500);
}

/* ---- Scroll reveal (JS-driven) ---- */
[data-reveal] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity .7s ease, transform .7s ease;
}

[data-reveal="1"] {
  transition-delay: .12s;
}

[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}