/* ═══════════════════════════════════════════════════════
   WHATSOE — Institutionelles Design
   Cormorant Garamond + DM Sans · Marine + Or
═══════════════════════════════════════════════════════ */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
  --navy:     #0d1b3e;
  --navy2:    #162245;
  --navy3:    #1e2f5c;
  --slate:    #2a3550;
  --gold:     #b8963e;
  --gold2:    #d4af5a;
  --gold3:    #e8c97a;
  --gold-bg:  rgba(184,150,62,.08);
  --gold-bdr: rgba(184,150,62,.25);
  --cream:    #faf9f6;
  --light:    #f4f2ed;
  --bg:       #ffffff;
  --text:     #1a1a2e;
  --muted:    #6b7280;
  --border:   rgba(10,20,50,.1);
  --border2:  rgba(10,20,50,.06);
  --shadow:   0 4px 24px rgba(13,27,62,.09);
  --shadow2:  0 12px 48px rgba(13,27,62,.15);
  --ff-display: 'Cormorant Garamond', Georgia, serif;
  --ff-body:    'DM Sans', system-ui, sans-serif;
  --r:  8px;
  --r2: 12px;
  --r3: 4px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--ff-body); color: var(--text); background: var(--bg); line-height: 1.7; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: color .2s; }
ul { list-style: none; }

/* ── Container ── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 860px; margin: 0 auto; padding: 0 24px; }

/* ── Topbar ── */
.topbar { background: var(--navy); color: rgba(255,255,255,.65); font-size: .78rem; padding: .55rem 0; border-bottom: 1px solid rgba(255,255,255,.05); }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: .5rem; }
.topbar a { color: rgba(255,255,255,.7); transition: color .2s; }
.topbar a:hover { color: var(--gold3); }
.topbar-right { display: flex; gap: 1.5rem; align-items: center; }
.topbar-right span { display: flex; align-items: center; gap: 6px; }

/* ── Header ── */
.header { background: #fff; position: sticky; top: 0; z-index: 900; border-bottom: 1px solid var(--border); box-shadow: 0 2px 12px rgba(13,27,62,.06); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 2rem; }
.logo { display: flex; align-items: center; gap: 14px; font-family: var(--ff-display); font-size: 1.6rem; font-weight: 700; color: var(--navy); letter-spacing: -.02em; }
.logo-icon { width: 42px; height: 42px; background: var(--navy); border-radius: var(--r3); display: flex; align-items: center; justify-content: center; color: var(--gold2); font-size: 1.1rem; font-weight: 700; }
.logo span { color: var(--gold); }

/* Nav */
.nav { display: flex; align-items: center; gap: 0; }
.nav a { padding: .5rem 1rem; font-size: .875rem; font-weight: 500; color: var(--slate); transition: color .2s; position: relative; white-space: nowrap; }
.nav a:hover, .nav a.active { color: var(--navy); }
.nav a.active::after { content: ''; position: absolute; bottom: -2px; left: 1rem; right: 1rem; height: 2px; background: var(--gold); }
.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: ' ▾'; font-size: .6rem; vertical-align: 2px; }
.dropdown-menu { position: absolute; top: 100%; left: 0; background: #fff; border: 1px solid var(--border); border-radius: var(--r2); box-shadow: var(--shadow2); min-width: 230px; padding: .5rem 0; opacity: 0; pointer-events: none; transform: translateY(8px); transition: all .2s; z-index: 200; }
.nav-dropdown:hover .dropdown-menu { opacity: 1; pointer-events: all; transform: translateY(0); }
.dropdown-menu a { display: block; padding: .6rem 1.2rem; font-size: .85rem; color: var(--slate); }
.dropdown-menu a:hover { color: var(--navy); background: var(--light); }

/* Header CTA */
.header-actions { display: flex; align-items: center; gap: .75rem; }
.btn { display: inline-flex; align-items: center; gap: 6px; padding: .65rem 1.4rem; border-radius: var(--r); font-family: var(--ff-body); font-size: .875rem; font-weight: 500; cursor: pointer; border: none; transition: all .2s; text-decoration: none; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy3); box-shadow: 0 4px 16px rgba(13,27,62,.25); transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: var(--gold2); box-shadow: 0 4px 16px rgba(184,150,62,.3); transform: translateY(-1px); }
.btn-outline { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-lg { padding: .85rem 2rem; font-size: 1rem; }
.btn-sm { padding: .45rem 1rem; font-size: .8rem; }

/* Mobile toggle */
.mobile-toggle { display: none; background: none; border: none; cursor: pointer; color: var(--navy); padding: .4rem; }
.mobile-menu { display: none; position: fixed; inset: 108px 0 0 0; z-index: 850; background: #fff; flex-direction: column; border-top: 1px solid var(--border); overflow-y: auto; }
.mobile-menu.open { display: flex; }
.mobile-menu a { display: block; padding: 1rem 1.5rem; font-size: .95rem; color: var(--slate); border-bottom: 1px solid var(--border2); }
.mobile-menu a:hover { color: var(--navy); background: var(--light); }

/* ── Hero ── */
.hero { background: var(--navy); position: relative; overflow: hidden; padding: 96px 0 80px; }
.hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 70% 30%, rgba(184,150,62,.12) 0%, transparent 60%); }
.hero-cross { position: absolute; top: 0; right: 0; width: 520px; height: 520px; opacity: .04; background: repeating-linear-gradient(0deg,#fff 0,#fff 1px,transparent 1px,transparent 48px), repeating-linear-gradient(90deg,#fff 0,#fff 1px,transparent 1px,transparent 48px); }
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 440px; gap: 4rem; align-items: center; }
.hero-label { display: inline-flex; align-items: center; gap: 8px; background: rgba(184,150,62,.15); border: 1px solid rgba(184,150,62,.3); color: var(--gold3); padding: .35rem 1rem; border-radius: 100px; font-size: .78rem; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 1.5rem; }
.hero h1 { font-family: var(--ff-display); font-size: 3.4rem; font-weight: 600; color: #fff; line-height: 1.1; margin-bottom: 1.4rem; }
.hero h1 em { color: var(--gold2); font-style: normal; }
.hero-text { color: rgba(255,255,255,.72); font-size: 1.05rem; line-height: 1.75; margin-bottom: 2rem; max-width: 520px; }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.hero-kpi { display: flex; gap: 2rem; flex-wrap: wrap; }
.hero-kpi-item { text-align: left; }
.hero-kpi-num { font-family: var(--ff-display); font-size: 1.8rem; font-weight: 700; color: var(--gold2); line-height: 1; }
.hero-kpi-label { font-size: .75rem; color: rgba(255,255,255,.5); margin-top: 4px; text-transform: uppercase; letter-spacing: .05em; }

/* Hero card */
.hero-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 16px; padding: 2rem; backdrop-filter: blur(12px); }
.hero-card h3 { font-family: var(--ff-display); font-size: 1.3rem; color: #fff; margin-bottom: 1.25rem; display: flex; align-items: center; gap: 10px; }
.calc-row { margin-bottom: 1.2rem; }
.calc-row label { display: block; font-size: .78rem; color: rgba(255,255,255,.55); margin-bottom: .4rem; text-transform: uppercase; letter-spacing: .05em; }
.calc-row input[type="range"] { width: 100%; accent-color: var(--gold); height: 4px; }
.calc-val { font-size: 1.05rem; font-weight: 600; color: #fff; }
.calc-result { background: var(--navy2); border-radius: var(--r); padding: 1.2rem; margin-top: 1rem; border: 1px solid rgba(184,150,62,.2); }
.calc-result-row { display: flex; justify-content: space-between; align-items: center; padding: .4rem 0; font-size: .88rem; color: rgba(255,255,255,.7); }
.calc-result-row.total { border-top: 1px solid rgba(255,255,255,.1); margin-top: .5rem; padding-top: .8rem; color: var(--gold2); font-weight: 600; }
.calc-cta { margin-top: 1.2rem; width: 100%; display: block; text-align: center; }

/* ── Compliance bar ── */
.compliance-bar { background: var(--gold-bg); border-top: 3px solid var(--gold); border-bottom: 1px solid var(--gold-bdr); padding: 1rem 0; }
.compliance-inner { display: flex; align-items: flex-start; gap: 1rem; flex-wrap: wrap; }
.compliance-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
.compliance-text { font-size: .78rem; color: var(--muted); line-height: 1.6; flex: 1; min-width: 200px; }
.compliance-text strong { color: var(--navy); }

/* ── Sections ── */
.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.section-dark { background: var(--navy); color: #fff; }
.section-light { background: var(--light); }
.section-cream { background: var(--cream); }

.section-label { display: inline-flex; align-items: center; gap: 8px; font-size: .72rem; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; color: var(--gold); margin-bottom: .75rem; }
.section-label::before { content: ''; display: block; width: 20px; height: 1.5px; background: var(--gold); }
h2.section-title { font-family: var(--ff-display); font-size: 2.4rem; font-weight: 600; color: var(--navy); line-height: 1.2; }
.section-dark h2.section-title { color: #fff; }
.section-subtitle { font-size: 1.05rem; color: var(--muted); line-height: 1.75; margin-top: .75rem; max-width: 560px; }
.section-dark .section-subtitle { color: rgba(255,255,255,.6); }

/* ── Services grid ── */
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.25rem; }

.card { background: var(--bg); border: 1px solid var(--border); border-radius: var(--r2); padding: 1.75rem; transition: all .25s; }
.card:hover { box-shadow: var(--shadow2); transform: translateY(-3px); border-color: rgba(184,150,62,.3); }
.card-icon { width: 52px; height: 52px; background: var(--gold-bg); border: 1px solid var(--gold-bdr); border-radius: var(--r); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; margin-bottom: 1.2rem; color: var(--gold); }
.card h3 { font-family: var(--ff-display); font-size: 1.2rem; font-weight: 600; color: var(--navy); margin-bottom: .6rem; }
.card p { font-size: .88rem; color: var(--muted); line-height: 1.7; }
.card-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 1rem; font-size: .83rem; font-weight: 500; color: var(--gold); }
.card-link:hover { gap: 10px; }

/* ── Representative Example ── */
.rep-example { background: linear-gradient(135deg, var(--navy) 0%, var(--navy3) 100%); border-radius: 16px; padding: 2.5rem; position: relative; overflow: hidden; }
.rep-example::before { content: '§6a PAngV'; position: absolute; top: 1.5rem; right: 1.5rem; font-size: .7rem; color: rgba(255,255,255,.3); letter-spacing: .1em; text-transform: uppercase; }
.rep-example h3 { font-family: var(--ff-display); font-size: 1.4rem; color: #fff; margin-bottom: 1.5rem; display: flex; align-items: center; gap: 10px; }
.rep-table { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.25rem; margin-bottom: 1.5rem; }
.rep-item { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: var(--r); padding: 1rem; }
.rep-item .rep-val { font-family: var(--ff-display); font-size: 1.5rem; font-weight: 700; color: var(--gold2); line-height: 1; }
.rep-item .rep-lbl { font-size: .73rem; color: rgba(255,255,255,.5); margin-top: .4rem; text-transform: uppercase; letter-spacing: .06em; }
.rep-legal { font-size: .73rem; color: rgba(255,255,255,.4); line-height: 1.65; border-top: 1px solid rgba(255,255,255,.08); padding-top: 1rem; }

/* ── Steps ── */
.steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.5rem; position: relative; }
.steps::before { content: ''; position: absolute; top: 28px; left: calc(12.5%); right: calc(12.5%); height: 1px; background: linear-gradient(90deg, var(--gold) 0%, var(--gold-bdr) 100%); z-index: 0; }
.step { text-align: center; position: relative; z-index: 1; }
.step-num { width: 56px; height: 56px; border-radius: 50%; background: var(--navy); border: 2px solid var(--gold); color: var(--gold2); font-family: var(--ff-display); font-size: 1.3rem; font-weight: 700; display: flex; align-items: center; justify-content: center; margin: 0 auto 1.2rem; }
.step h4 { font-family: var(--ff-display); font-size: 1.05rem; font-weight: 600; color: var(--navy); margin-bottom: .4rem; }
.step p { font-size: .83rem; color: var(--muted); line-height: 1.65; }

/* ── Trust signals ── */
.trust-row { display: flex; gap: 2.5rem; align-items: center; flex-wrap: wrap; justify-content: center; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: .88rem; color: rgba(255,255,255,.65); }
.trust-item .ti { font-size: 1.1rem; color: var(--gold2); }

/* ── Form ── */
.form-card { background: var(--bg); border: 1px solid var(--border); border-radius: 16px; padding: 2.5rem; box-shadow: var(--shadow2); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group { display: flex; flex-direction: column; gap: .4rem; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: .8rem; font-weight: 500; color: var(--navy); text-transform: uppercase; letter-spacing: .06em; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: .75rem 1rem; border: 1.5px solid var(--border); border-radius: var(--r); font-family: var(--ff-body); font-size: .95rem; color: var(--text); background: var(--bg); transition: border-color .2s; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--navy); }
.form-group textarea { resize: vertical; min-height: 110px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; font-size: .83rem; color: var(--muted); line-height: 1.55; }
.form-check input[type=checkbox] { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--navy); flex-shrink: 0; }
.form-check a { color: var(--navy); text-decoration: underline; }

/* ── Page hero ── */
.page-hero { background: var(--navy); padding: 80px 0 60px; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 80% 50%, rgba(184,150,62,.1) 0%, transparent 60%); }
.page-hero .container { position: relative; z-index: 1; }
.breadcrumb { display: flex; gap: .5rem; align-items: center; font-size: .8rem; color: rgba(255,255,255,.45); margin-bottom: 1rem; }
.breadcrumb a { color: rgba(255,255,255,.5); }
.breadcrumb a:hover { color: var(--gold2); }
.breadcrumb span { color: rgba(255,255,255,.3); }
.page-hero h1 { font-family: var(--ff-display); font-size: 2.8rem; font-weight: 600; color: #fff; line-height: 1.15; }
.page-hero .subtitle { color: rgba(255,255,255,.65); font-size: 1.05rem; margin-top: .75rem; max-width: 560px; }

/* ── FAQ ── */
.faq-item { border: 1px solid var(--border); border-radius: var(--r2); margin-bottom: .75rem; overflow: hidden; }
.faq-q { padding: 1.2rem 1.5rem; cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-weight: 500; color: var(--navy); font-size: .95rem; }
.faq-q:hover { background: var(--light); }
.faq-q .arrow { transition: transform .25s; font-size: .75rem; color: var(--gold); }
.faq-item.open .faq-q .arrow { transform: rotate(180deg); }
.faq-a { display: none; padding: 0 1.5rem 1.2rem; font-size: .9rem; color: var(--muted); line-height: 1.75; }
.faq-item.open .faq-a { display: block; }

/* ── Stat cards ── */
.stat-card { background: var(--gold-bg); border: 1px solid var(--gold-bdr); border-radius: var(--r2); padding: 1.75rem; text-align: center; }
.stat-num { font-family: var(--ff-display); font-size: 2.6rem; font-weight: 700; color: var(--navy); line-height: 1; }
.stat-label { font-size: .8rem; color: var(--muted); margin-top: .5rem; text-transform: uppercase; letter-spacing: .06em; }

/* ── Cookie banner ── */
.cookie-banner { position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999; background: var(--navy); border-top: 3px solid var(--gold); padding: 1.25rem 1.5rem; display: none; }
.cookie-banner.show { display: block; }
.cookie-inner { max-width: 1180px; margin: 0 auto; display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; }
.cookie-text { flex: 1; font-size: .82rem; color: rgba(255,255,255,.75); line-height: 1.6; min-width: 200px; }
.cookie-text a { color: var(--gold3); text-decoration: underline; }
.cookie-btns { display: flex; gap: .75rem; flex-shrink: 0; }

/* ── Footer ── */
.footer { background: var(--navy); color: rgba(255,255,255,.6); }
.footer-main { padding: 64px 0 48px; display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 3rem; }
.footer-brand { }
.footer-logo { font-family: var(--ff-display); font-size: 1.5rem; color: #fff; margin-bottom: .75rem; display: flex; align-items: center; gap: 10px; }
.footer-logo .fi { width: 36px; height: 36px; background: var(--gold); border-radius: var(--r3); display: flex; align-items: center; justify-content: center; font-size: .9rem; font-weight: 700; color: var(--navy); }
.footer-desc { font-size: .85rem; line-height: 1.75; margin-bottom: 1.25rem; max-width: 280px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: .83rem; margin-bottom: .5rem; color: rgba(255,255,255,.55); }
.footer-contact-item a { color: rgba(255,255,255,.65); }
.footer-contact-item a:hover { color: var(--gold2); }
.footer-heading { font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.35); margin-bottom: 1.2rem; }
.footer-links { display: flex; flex-direction: column; gap: .5rem; }
.footer-links a { font-size: .85rem; color: rgba(255,255,255,.55); transition: color .2s; }
.footer-links a:hover { color: var(--gold2); padding-left: 4px; }
.footer-compliance { font-size: .75rem; line-height: 1.7; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.07); padding: 1.25rem 0; display: flex; justify-content: space-between; align-items: center; font-size: .78rem; color: rgba(255,255,255,.35); flex-wrap: wrap; gap: .5rem; }
.footer-bottom a { color: rgba(255,255,255,.4); }
.footer-bottom a:hover { color: var(--gold2); }

/* ── Loan page specifics ── */
.loan-hero-badge { display: inline-flex; gap: 1.5rem; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: var(--r); padding: .75rem 1.5rem; margin-top: 1.5rem; flex-wrap: wrap; }
.loan-badge-item { font-size: .82rem; color: rgba(255,255,255,.6); }
.loan-badge-item strong { color: var(--gold2); font-family: var(--ff-display); font-size: 1.1rem; display: block; }

/* Info cards */
.info-box { background: var(--gold-bg); border: 1px solid var(--gold-bdr); border-radius: var(--r); padding: 1rem 1.25rem; font-size: .85rem; color: var(--navy); line-height: 1.65; }
.info-box strong { color: var(--gold); }

/* Warning / notice */
.notice { background: #fff3cd; border-left: 3px solid #e6a817; padding: .85rem 1.1rem; border-radius: 0 var(--r) var(--r) 0; font-size: .82rem; color: #7a5200; line-height: 1.65; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { max-width: 480px; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: repeat(2,1fr); }
  .steps::before { display: none; }
  .rep-table { grid-template-columns: repeat(2,1fr); }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .hero { padding: 72px 0 60px; }
  .hero h1 { font-size: 2.4rem; }
  .nav { display: none; }
  .mobile-toggle { display: flex; }
  .header-actions .btn { display: none; }
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  h2.section-title { font-size: 2rem; }
  .page-hero h1 { font-size: 2rem; }
  .footer-main { grid-template-columns: 1fr; gap: 2rem; }
  .topbar-right { display: none; }
  .rep-table { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .form-card { padding: 1.5rem; }
}

/* ── Animations ── */
@keyframes fadeUp { from { opacity:0; transform:translateY(24px); } to { opacity:1; transform:translateY(0); } }
.fade-up { animation: fadeUp .6s ease both; }
.fade-up-2 { animation: fadeUp .6s .15s ease both; }
.fade-up-3 { animation: fadeUp .6s .3s ease both; }

/* ── Utilities ── */
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.gap-2 { gap: 1rem; }
.w-full { width: 100%; }
.flex { display: flex; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }