@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;900&display=swap');
/* STICKY MOBIL-CTA */
.sticky-cta{position:fixed;bottom:0;left:0;right:0;padding:.875rem 1.25rem calc(.875rem + env(safe-area-inset-bottom));background:#fff;box-shadow:0 -2px 16px rgba(0,0,0,.1);z-index:200;transform:translateY(100%);transition:transform .3s ease;display:none}
.sticky-cta-synlig{transform:translateY(0)}
.sticky-cta-knapp{display:block;width:100%;text-align:center;font-size:1rem}
@media(max-width:768px){.sticky-cta{display:block}}

/* SCROLL ANIMASJONER */
.fade-opp{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}
.fade-opp.synlig{opacity:1;transform:translateY(0)}

/* AKTIV NAV */
.main-nav a.aktiv{color:#00B377}


/* BASE */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:17px}
html{overflow-x:hidden}
body{font-family:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:#EDF2F8;color:#1A3A5C;line-height:1.6;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
p{margin-bottom:1rem}
p:last-child{margin-bottom:0}

/* TYPOGRAPHY */
h1,h2,h3,h4{line-height:1.2;font-weight:700;font-family:'DM Serif Display',Georgia,serif}
h1{font-size:clamp(2rem,5vw,3.25rem);margin-bottom:1rem}
h2{font-size:clamp(1.5rem,3vw,2.1rem);margin-bottom:1rem}
h3{font-size:clamp(1rem,2vw,1.2rem);margin-bottom:0.5rem}
h4{font-size:.9rem;font-weight:600;margin-bottom:.4rem}

/* LAYOUT */
.container{max-width:1180px;margin:0 auto;padding:0 1.25rem}
section{padding:4rem 0}
.seksjon-intro{font-size:1.05rem;color:#5A6478;max-width:680px;margin-bottom:2rem}

/* BUTTONS */
.btn{display:inline-block;padding:.875rem 1.75rem;border-radius:8px;font-weight:600;font-size:1rem;cursor:pointer;border:2px solid transparent;transition:all .2s ease;text-align:center;line-height:1.3}
.btn-primary{background:#00B377;color:#fff;border-color:#00B377}
.btn-primary:hover{background:#009965;border-color:#009965;transform:translateY(-1px);box-shadow:0 4px 14px rgba(0,179,119,.3)}
.btn-secondary{background:transparent;color:#1A3A5C;border-color:#1A3A5C}
.btn-secondary:hover{background:#1A3A5C;color:#fff}
.btn-large{padding:1rem 2.25rem;font-size:1.1rem}
.btn-blokk{display:block;width:100%;margin-top:.75rem}
.btn-hvit{background:#fff;color:#1A3A5C;border-color:#fff}
.btn-hvit:hover{background:#E8F5EF;border-color:#E8F5EF}
.btn-nav{padding:.6rem 1.2rem;font-size:.875rem}

/* HEADER */
.site-header{position:sticky;top:0;z-index:100;background:#1A3A5C;box-shadow:0 2px 12px rgba(0,0,0,.18)}
.header-inner{display:flex;align-items:center;gap:1rem;height:68px;justify-content:space-between}
.header-hoyre{display:flex;align-items:center;gap:2rem}
.logo{display:flex;align-items:center;gap:.75rem;color:#fff;font-size:1.3rem;font-weight:800;flex-shrink:0;text-decoration:none}
.logo-ikon{width:32px;height:32px;flex-shrink:0}
.logo-dot{color:#00B377;font-family:"Raleway",sans-serif}
.logo-tekst-wrap{display:flex;flex-direction:column;gap:.05rem;line-height:1}
.logo-namn{font-size:1.6rem;font-weight:900;color:#fff;line-height:1.15;font-family:"Raleway",sans-serif;letter-spacing:-.02em}
.logo-undertekst{font-size:.6rem;color:rgba(255,255,255,.5);font-weight:400;letter-spacing:.04em;line-height:1;display:block}
.main-nav>ul{display:flex;gap:2rem}
.main-nav a{color:rgba(255,255,255,.8);font-size:.9rem;font-weight:500;transition:color .2s}
.main-nav a:hover{color:#00B377}
.nav-dropdown{position:relative}
.nav-dropdown::after{content:"";position:absolute;top:100%;left:0;width:100%;height:.75rem}
.nav-dropdown>a::after{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid rgba(255,255,255,.65);border-bottom:2px solid rgba(255,255,255,.65);transform:rotate(45deg);margin-left:6px;vertical-align:middle;margin-bottom:3px;transition:transform .25s ease,border-color .2s}
.nav-dropdown:hover>a::after{transform:rotate(-135deg);border-color:rgba(0,179,119,.9);margin-bottom:-1px}
.nav-dropdown-meny{display:none;position:absolute;top:calc(100% + .75rem);left:50%;transform:translateX(-50%);background:#1A3A5C;border-radius:10px;padding:.4rem 0;min-width:210px;z-index:200;box-shadow:0 8px 24px rgba(0,0,0,.25);border:1px solid rgba(255,255,255,.08)}
.nav-dropdown-meny::before{content:"";position:absolute;top:-6px;left:50%;transform:translateX(-50%);border-left:6px solid transparent;border-right:6px solid transparent;border-bottom:6px solid #1A3A5C}
.nav-dropdown:hover .nav-dropdown-meny{display:block}
.nav-dropdown-meny li{list-style:none}
.nav-dropdown-meny a{display:block;padding:.625rem 1.25rem;color:rgba(255,255,255,.8);font-size:.88rem;font-weight:500;border-bottom:1px solid rgba(255,255,255,.06);transition:color .15s,background .15s;border-radius:0;white-space:nowrap}
.nav-dropdown-meny li:last-child a{border-bottom:none}
.nav-dropdown-meny a:hover{color:#00B377;background:rgba(255,255,255,.05)}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.hamburger span{display:block;width:24px;height:2px;background:#fff;border-radius:2px;transition:all .3s}
@keyframes nav-inn{from{opacity:0;transform:translateY(-10px)}to{opacity:1;transform:none}}

/* ABOVE FOLD */
.above-fold-wrap{min-height:calc(100vh - 68px);display:flex;flex-direction:column}

/* HERO */
.hero{background:linear-gradient(135deg,#1A3A5C 0%,#0D2744 100%);color:#fff;padding:5rem 0;position:relative;overflow:hidden;flex:1}
.hero-bakgrunn-bilde{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:55% 0%;opacity:.28;mask:url(#imgMask);z-index:0;pointer-events:none}
.hero-linje{position:absolute;inset:0;width:100%;height:100%;pointer-events:none;z-index:0}
.hero-inner{position:relative;z-index:1}
.hero-inner{display:grid;grid-template-columns:1fr 420px;gap:3rem;align-items:center}
.trust-badge-top{display:flex;gap:1.25rem;font-size:.82rem;color:rgba(255,255,255,.7);margin-bottom:1.25rem;flex-wrap:wrap}
.hero h1{color:#fff;margin-bottom:.75rem}
.hero h1 em{color:#00B377;font-style:italic}
.hero-lead{color:rgba(255,255,255,.85);font-size:1.05rem;max-width:540px}
.hero-kta-wrap{margin-top:2rem}
.hero-kta-note{margin-top:.75rem;font-size:.82rem;color:rgba(255,255,255,.65);margin-bottom:0;font-weight:500}

/* KALKULATOR KORT */
.kalk-kort{background:#fff;border-radius:14px;padding:1.75rem;box-shadow:0 4px 28px rgba(0,0,0,.16);color:#1A3A5C}
.kalk-tittel{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#9AA3B2;margin-bottom:1.25rem;font-family:inherit}
.kalk-felt{margin-bottom:1.25rem}
.kalk-felt-header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.5rem}
.kalk-felt-header label{font-size:.78rem;font-weight:600;color:#7A8898}
.kalk-verdi-vis{font-size:1rem;font-weight:800;color:#1A3A5C;letter-spacing:-.01em}
.kalk-slider{width:100%;-webkit-appearance:none;appearance:none;height:4px;border-radius:2px;outline:none;cursor:pointer;background:linear-gradient(to right,#00B377 0%,#00B377 24%,#D0DCEA 24%,#D0DCEA 100%)}
.kalk-slider::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;border:2px solid #00B377;box-shadow:0 1px 6px rgba(0,0,0,.18);cursor:pointer;transition:transform .15s,box-shadow .15s}
.kalk-slider::-webkit-slider-thumb:hover{transform:scale(1.2);box-shadow:0 2px 10px rgba(0,179,119,.35)}
.kalk-slider::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:2px solid #00B377;box-shadow:0 1px 6px rgba(0,0,0,.18);cursor:pointer}
.kalk-resultat{border-top:1px solid #E8EDF3;padding-top:1.25rem;margin:1.25rem 0 1rem}
.kalk-spar-hero{text-align:center;margin-bottom:1.1rem}
.kalk-spar-label{display:block;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#9AA3B2;margin-bottom:.2rem}
.kalk-spar-tall{display:block;font-size:2.2rem;font-weight:900;color:#00B377;line-height:1;letter-spacing:-.03em}
.kalk-spar-per{display:block;font-size:.75rem;color:#9AA3B2;margin-top:.25rem}
.kalk-detaljer{display:flex;flex-direction:column}
.kalk-detalj{display:flex;justify-content:space-between;align-items:baseline;padding:.35rem 0;border-bottom:1px solid #F0F4F8;gap:.5rem;font-size:.8rem;color:#7A8898}
.kalk-detalj:last-child{border-bottom:none}
.kalk-detalj strong{color:#1A3A5C;font-weight:700;white-space:nowrap;font-size:.88rem}
.kalk-disclaimer{font-size:.68rem;color:#B0B8C4;margin-top:.75rem;text-align:center;line-height:1.5}

/* TRUST STRIPE */
.trust-stripe{background:#DDEAF6;border-bottom:1px solid #D8E3EE;padding:1rem 0}
.trust-items{display:flex;justify-content:center;align-items:center;gap:1.5rem;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;justify-content:center;gap:.5rem;font-size:.88rem;font-weight:500;color:#5A6478;flex:1}
.trust-ikon{color:#00B377;font-weight:700}
.trust-divider{width:1px;height:24px;background:#E3E8EF;flex-shrink:0}
.trust-logo-link{display:flex;align-items:center;text-decoration:none}
.trust-badge-tekst{font-size:1rem;font-weight:700;color:#1A3A5C}
.trust-badge-tekst:hover{color:#00B377}
.trust-item-tp{min-width:0;display:flex;align-items:center;justify-content:center}
.trust-logo-img{height:34px;width:auto;display:inline-block;vertical-align:middle;margin-right:.4rem;opacity:.85;transition:opacity .2s;mix-blend-mode:multiply}
.trust-logo-link:hover .trust-logo-img{opacity:1}

/* TEKST-LENKER */
.tekst-lenke{color:#1A3A5C;font-weight:600;text-decoration:underline;text-decoration-color:#00B377;text-underline-offset:2px;white-space:nowrap;hyphens:none;transition:color .15s}
.tekst-lenke:hover{color:#00B377}

/* NØKKELTALL */
.nokkeltall{background:#1A3A5C;padding:2.5rem 0}
.nokkeltall-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;text-align:center}
.nokkeltall-item{display:flex;flex-direction:column;gap:.2rem;align-items:center}
.nokkeltall-hake{font-size:1.25rem;color:#00B377;font-weight:800;line-height:1}
.nokkeltall-tall{font-size:clamp(1.4rem,2.5vw,1.9rem);font-weight:800;color:#fff}
.nokkeltall-label{font-size:.82rem;color:rgba(255,255,255,.65)}

/* BANKLOGOER */
.banklogoer{background:#E0EAF5;padding:3rem 0}
.banklogoer-overskrift{font-size:clamp(1.4rem,2.5vw,1.9rem);color:#1A3A5C;margin-bottom:.5rem;text-align:center;font-weight:800;letter-spacing:-.01em}
.banklogoer-intro{color:#5A6478;font-size:.95rem;margin-bottom:2rem;text-align:center;white-space:nowrap}
.banklogoer-grid{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center}
.bank-logo-kort{width:calc(20% - .8rem);min-width:120px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.5rem;padding:.875rem .75rem;background:#fff;border-radius:10px;border:1px solid #E8EDF3;transition:box-shadow .2s}
.bank-logo-kort:hover{box-shadow:0 4px 12px rgba(0,0,0,.07)}
.bank-logo-img{max-width:120px;height:36px;object-fit:contain;display:block;filter:grayscale(100%);opacity:.65;transition:opacity .25s,filter .25s}
.bank-logo-kort:hover .bank-logo-img{filter:grayscale(0%);opacity:1}

/* FORDELER */
.fordeler{background:#EDF2F8}
.fordeler h2{text-align:center;color:#1A3A5C;margin-bottom:2.5rem}
.fordeler-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.fordel-kort{background:#D5E4F2;border-radius:12px;padding:1.75rem;box-shadow:0 2px 8px rgba(0,0,0,.05);border:1px solid #D8E3EE;transition:transform .2s,box-shadow .2s;text-align:center}
.fordel-kort:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,.1)}
.fordel-ikon{width:44px;height:44px;margin:0 auto .875rem;color:#00B377;display:flex;align-items:center;justify-content:center}
.fordel-ikon svg{width:100%;height:100%}
.fordel-kort h3{color:#1A3A5C;margin-bottom:.5rem;text-align:center}
.fordel-kort p{color:#5A6478;font-size:1rem;margin:0}

/* KJENNER DU DEG IGJEN */
.kjenner{background:#DDEAF6}
.kjenner-inner{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
.kjenner h2{color:#1A3A5C}
.kjenner-tekst p{color:#5A6478}
.kjenner-liste{margin:1.5rem 0;display:flex;flex-direction:column;gap:.75rem}
.kjenner-liste li{display:flex;align-items:center;gap:.75rem;font-weight:500;font-size:1rem}
.kjenner-hake{width:26px;height:26px;border-radius:50%;background:#E8F5EF;color:#00B377;display:inline-flex;align-items:center;justify-content:center;font-size:.82rem;font-weight:700;flex-shrink:0}
.kjenner-tekst .kjenner-konklusjon{font-size:1.1rem;color:#1A3A5C;font-weight:700;margin-bottom:1.5rem}


/* CHAT VINDU */
.chat-vindu{background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 4px 24px rgba(0,0,0,.1);border:1px solid #C8D8E8}
.chat-header{background:#1A3A5C;padding:1rem 1.25rem;display:flex;align-items:center;gap:.75rem}
.chat-header-avatar{width:38px;height:38px;flex-shrink:0}
.chat-header-info{display:flex;flex-direction:column;gap:.1rem}
.chat-navn{color:#fff;font-weight:700;font-size:.92rem}
.chat-status{color:#00B377;font-size:.75rem;font-weight:600}
.chat-meldinger{padding:1.5rem 1.25rem;display:flex;flex-direction:column;gap:1.25rem}
.chat-gruppe{display:flex;flex-direction:column;gap:.3rem}
.chat-gruppe-deg{align-items:flex-end}
.chat-gruppe-radgiver{align-items:flex-start}
.chat-etikett{font-size:.72rem;font-weight:600;color:#5A6478;padding:0 .25rem}
.chat-boble{padding:.75rem 1rem;border-radius:12px;font-size:.92rem;line-height:1.55;max-width:88%}
.chat-boble-deg{background:#1A3A5C;color:#fff;border-bottom-right-radius:3px}
.chat-boble-radgiver{background:#C8D8E8;color:#1A3A5C;border-bottom-left-radius:3px}
.chat-input-felt{background:#F2F5F8;padding:.875rem 1.25rem;display:flex;align-items:center;gap:.75rem;border-top:1px solid #E3E8EF}
.chat-send-knapp{background:#00B377;color:#fff;border:none;padding:.5rem 1.1rem;border-radius:8px;font-size:.85rem;font-weight:700;cursor:pointer;text-decoration:none;white-space:nowrap;transition:background .15s}
.chat-send-knapp-full{display:block;width:100%;text-align:center;padding:.7rem 1.1rem;font-size:.92rem}
.chat-send-knapp:hover{background:#009965}

/* SLIK GJØR DU DET */
.slik-gjor{background:#EDF2F8}
.slik-gjor h2{text-align:center;color:#1A3A5C;margin-bottom:3rem}
.steg-grid{display:flex;align-items:stretch;gap:1rem;justify-content:center}
.steg{flex:1;max-width:290px;text-align:center;padding:2rem 1.5rem;background:#D5E4F2;border-radius:12px;border:1px solid #D8E3EE}
.steg-nummer{width:52px;height:52px;border-radius:50%;background:#1A3A5C;color:#fff;font-size:1.4rem;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 1.25rem}
.steg-innhold h3{color:#1A3A5C;margin-bottom:.6rem}
.steg-innhold p{color:#5A6478;font-size:1rem;margin:0}
.steg-pil{font-size:2rem;color:#00B377;flex-shrink:0;display:flex;align-items:center}
.steg-kta{text-align:center;margin-top:2.5rem}

/* EKSEMPEL TABELL */
.eksempel-seksjon{background:#E0EAF5;text-align:center}
.eksempel-seksjon h2{color:#1A3A5C}
.eksempel-seksjon .seksjon-intro{margin-left:auto;margin-right:auto}
.eksempel-seksjon .tabell-wrap{text-align:left}
.tabell-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:2rem 0;border-radius:12px;border:1px solid #E3E8EF;width:100%;max-width:100%}
.eksempel-tabell{width:100%;border-collapse:collapse;font-size:1rem;min-width:480px;table-layout:fixed}
.eksempel-tabell th{background:#1A3A5C;color:#fff;padding:.875rem 1.1rem;text-align:left;font-weight:600;font-size:.9rem;width:20%}
.eksempel-tabell td{padding:1.25rem 1.1rem;border-bottom:1px solid #E3E8EF;color:#1A3A5C}
.eksempel-tabell tr:last-child td{border-bottom:none}
.eksempel-tabell tr:nth-child(even) td{background:#F5F8FC}
.eksempel-tabell .sparing{color:#00B377;font-weight:700}
.tabell-note{font-size:.82rem;color:#9AA3B2;font-style:italic}

/* KARI */
.kari-seksjon{background:#EDF2F8}
.kari-seksjon h2{color:#1A3A5C;margin-bottom:1.25rem}
.kari-inner{display:grid;grid-template-columns:1fr 1.45fr;gap:3rem;align-items:center}
.kari-ingress{font-size:1.05rem;font-style:italic;color:#1A3A5C;white-space:nowrap}
.kari-tekst p{color:#5A6478}
.kari-visuelt{display:flex;flex-direction:column;gap:.5rem;min-width:0}
.kari-card{background:transparent;border:none;box-shadow:none;overflow:visible;display:flex;flex-direction:column;gap:1.25rem;width:100%}
.kari-card-header{padding:0;text-align:center;border:none;background:none}
.kari-card-header h3{font-family:'DM Serif Display',Georgia,serif;font-size:clamp(1.1rem,2vw,1.5rem);color:#1A3A5C;margin:0;font-weight:400;line-height:1.25}
.kari-sammenligning{display:grid;grid-template-columns:1fr auto 1fr;gap:.875rem;align-items:stretch}
.kari-side{padding:1.375rem 1.125rem;display:flex;flex-direction:column;gap:.875rem;background:rgba(255,255,255,.7);border-radius:14px;border:1px solid rgba(255,255,255,.9);box-shadow:0 2px 12px rgba(0,0,0,.05);min-width:0}
.kari-side-for{}
.kari-side-etter{}
.kari-laan-list{display:grid;grid-template-columns:1fr auto auto;gap:.35rem .5rem;flex:1}
.kari-laan-item{display:grid;grid-template-columns:subgrid;grid-column:1/-1;align-items:center;padding:.5rem .65rem;border-radius:9px;background:#fff;border:1px solid rgba(0,0,0,.06);transition:box-shadow .2s}
.kari-laan-item:hover{box-shadow:0 2px 8px rgba(0,0,0,.06)}
.kari-laan-gronn{background:rgba(0,179,119,.06);border-color:rgba(0,179,119,.2)}
.kari-laan-nm{font-size:.85rem;color:#1A3A5C;font-weight:500;white-space:nowrap}
.kari-rente-badge{font-size:.73rem;font-weight:800;padding:.18rem .5rem;border-radius:5px;white-space:nowrap}
.rente-rod{background:#FFE4E0;color:#B83030}
.rente-gronn{background:#D5F5E3;color:#006B42}
.kari-laan-sum{font-size:.78rem;color:#8A939F;white-space:nowrap;text-align:right}
.kari-mnd-boks{border-radius:12px;padding:1rem .875rem;text-align:center;transition:transform .2s}
.kari-boks-rod{background:linear-gradient(135deg,#FFF3F1,#FFE8E5);border:1px solid #F9C8C2}
.kari-boks-gronn{background:linear-gradient(135deg,#EDFAF4,#E0F5EA);border:1px solid #A8DFC8}
.kari-mnd-tall{display:block;font-size:1.4rem;font-weight:800;line-height:1.1;letter-spacing:-.02em}
.kari-boks-rod .kari-mnd-tall{color:#B83030}
.kari-boks-gronn .kari-mnd-tall{color:#006B42}
.kari-mnd-label{display:block;font-size:.7rem;color:#9AA3B2;margin-top:.3rem;font-weight:500;letter-spacing:.02em}
.kari-midtpil{display:flex;align-items:center;justify-content:center;padding:0 .75rem}
.kari-midtpil-ikon{font-size:1.4rem;color:#00B377;opacity:.8}
.kari-spar-banner{background:linear-gradient(135deg,#00C484,#007A50);border-radius:50px;padding:.7rem 2rem;align-self:center;display:flex;align-items:center;gap:.625rem;box-shadow:0 4px 16px rgba(0,179,119,.25)}
.kari-spar-num{font-size:1rem;font-weight:900;color:#fff;letter-spacing:-.01em}
.kari-spar-txt{font-size:1rem;color:rgba(255,255,255,.9);font-weight:500}

/* TRUSTPILOT SEKSJON */
.tp-seksjon{background:#DDEAF6;padding:3rem 0}
.tp-seksjon h2{color:#1A3A5C;margin-bottom:.4rem;text-align:center}
.tp-mobil{display:none}
@media(max-width:600px){.tp-desktop{display:none}.tp-mobil{display:block}}
.tp-undertekst{font-size:.85rem;color:#8A96A8;margin-bottom:1.75rem;text-align:center}

/* ALT DU TRENGER */
.alt-du-trenger{background:#EDF2F8}
.kurs-understrek{display:block;width:55%;max-width:580px;height:22px;margin:1.25rem auto 2.25rem;}
.alt-du-trenger h2{color:#0D2744;margin-bottom:.25rem;text-align:center;font-family:'Playfair Display',Georgia,serif;font-size:clamp(2.1rem,4vw,3.25rem);font-weight:700;letter-spacing:-.01em}
.adtt-ingress{font-size:1.15rem;line-height:1.8;color:#1A3A5C;max-width:680px;margin:0 auto 2.5rem;text-align:center;font-style:italic;font-family:'DM Serif Display',Georgia,serif}
.adtt-grid{display:flex;flex-direction:column;gap:1.25rem}
.adtt-kort{background:#D5E4F2;border-radius:12px;padding:2rem;border:1px solid #D8E3EE;display:flex;flex-direction:column}
.adtt-kort h3{color:#1A3A5C;margin-bottom:.75rem;font-size:1.2rem}
.adtt-kort h4{color:#1A3A5C;margin-top:1rem;margin-bottom:.5rem}
.adtt-kort ul{margin-bottom:1rem;flex:1;display:flex;flex-direction:column;gap:.1rem}
.adtt-kort ul li{padding:.3rem 0 .3rem 1.25rem;font-size:.95rem;color:#5A6478;position:relative}
.adtt-kort ul li::before{content:'✓';position:absolute;left:0;color:#00B377;font-weight:700}
.adtt-kort p{color:#5A6478;font-size:1rem}
.adtt-knapp-wrap{margin-top:auto;padding-top:1.5rem;display:flex;justify-content:center}

/* SAMMENLIGNING uten/med sikkerhet */
.adtt-sammenligning{background:#D5E4F2;border-radius:12px;border:1px solid #D8E3EE;overflow:hidden}
.adtt-samm-topp{display:grid;grid-template-columns:1fr 1fr;border-bottom:2px solid #C8D4E0}
.adtt-samm-kol{padding:1.75rem 2rem;display:flex;flex-direction:column}
.adtt-samm-kol:first-child{border-right:1px solid #C8D4E0}
.adtt-samm-kol h3{color:#1A3A5C;font-size:1.2rem;margin-bottom:.6rem}
.adtt-samm-kol p{color:#5A6478;font-size:1rem;margin-bottom:0}
.adtt-samm-kol h4{color:#1A3A5C;font-size:1rem;font-weight:700;margin-top:auto;padding-top:1rem;margin-bottom:0}
.adtt-samm-rad{display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid #C8D8E8}
.adtt-samm-rad:last-of-type{border-bottom:none}
.adtt-samm-krav{padding:.55rem 2rem .55rem 3rem;font-size:.95rem;color:#5A6478;position:relative;line-height:1.5}
.adtt-samm-krav::before{content:'✓';position:absolute;left:2rem;top:.55rem;color:#00B377;font-weight:700}
.adtt-samm-krav:first-child{border-right:1px solid #C8D8E8}
.adtt-samm-cta{padding:1.5rem;text-align:center;background:#D5E4F2;border-top:2px solid #C8D4E0}

.adtt-vi-hjelper{font-weight:700;color:#1A3A5C;font-size:.95rem;margin-top:.25rem}
.adtt-ekstra{margin-top:3rem;padding-top:3rem;border-top:2px solid #E3E8EF}
.adtt-ekstra-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem}
.adtt-ekstra-boks{background:#D5E4F2;border-radius:12px;padding:1.75rem;border:1px solid #D8E3EE}
.adtt-ekstra-boks h3{color:#1A3A5C;margin-bottom:.75rem;font-size:1.2rem}
.adtt-ekstra-boks p{color:#5A6478;font-size:1rem}

/* FORDELER VS ULEMPER */
.fu-seksjon{background:linear-gradient(135deg,#1A3A5C 0%,#0D2744 100%);padding:4rem 0}
.fu-seksjon h2{color:#fff;margin-bottom:.5rem;text-align:center}
.fu-intro{color:rgba(255,255,255,.7);margin-bottom:2.5rem;font-size:1.05rem;text-align:center}
.fu-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.fu-kolonne-wrap{display:flex;flex-direction:column;gap:.75rem}
.fu-tittel{color:#fff;font-size:1.1rem;margin:0;text-align:center}
.fu-kolonne{border-radius:14px;padding:2rem}
.fu-fordeler{background:rgba(0,179,119,.12);border:1px solid rgba(0,179,119,.3)}
.fu-ulemper{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15)}
.fu-header{display:flex;align-items:center;justify-content:center;gap:.75rem;margin-bottom:1.5rem}
.fu-header h3{color:#fff;font-size:1.1rem;margin:0}
.fu-ikon{font-size:1.5rem;color:#00B377;font-weight:800}
.fu-ikon-advarsel{color:#F4C842}
.fu-liste{display:flex;flex-direction:column;gap:.75rem}
.fu-liste li{display:flex;align-items:flex-start;gap:.75rem;color:rgba(255,255,255,.85);font-size:.95rem;line-height:1.5}
.fu-check{color:#00B377;font-weight:800;font-size:1rem;flex-shrink:0;margin-top:.1rem}
.fu-advarsel{color:#F4C842;font-weight:800;font-size:1rem;flex-shrink:0;margin-top:.1rem}
.fu-bunntekst{margin-top:2.5rem;text-align:center;padding-top:2rem;border-top:1px solid rgba(255,255,255,.1)}
.fu-bunntekst p{color:rgba(255,255,255,.7);margin-bottom:1.25rem}

/* FAQ TO KOLONNER */
.faq-seksjon{background:#EDF2F8}
.faq-seksjon h2{color:#1A3A5C;margin-bottom:2.5rem;text-align:center}
.faq-to-kol{display:grid;grid-template-columns:1fr 1fr;gap:0 2.5rem;align-items:start}
.faq-item{border-bottom:1px solid #E3E8EF}
.faq-sporsmal{width:100%;background:none;border:none;padding:1.2rem 2.5rem 1.2rem 0;text-align:left;font-family:inherit;font-size:.95rem;font-weight:600;color:#1A3A5C;cursor:pointer;position:relative;transition:color .2s;line-height:1.4}
.faq-sporsmal::after{content:'';position:absolute;right:0;top:50%;transform:translateY(-50%);width:28px;height:28px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 32 32' fill='none'%3E%3Ccircle cx='16' cy='16' r='15' stroke='%2300B377' stroke-width='2'/%3E%3Cpath d='M10 16h12M16 10v12' stroke='%2300B377' stroke-width='2.5' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-size:contain;transition:transform .25s ease}
.faq-item.aapen .faq-sporsmal::after{transform:translateY(-50%) rotate(45deg)}
.faq-item.aapen .faq-sporsmal{color:#1A3A5C}
.faq-svar{overflow:hidden;height:0;padding:0}
.faq-item.aapen .faq-svar{padding:0 0 1.25rem}
.faq-svar p,.faq-svar-p{color:#5A6478;line-height:1.7;margin:0}

/* OM OSS */
.om-oss{background:#EDF2F8}
.om-oss-inner{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.om-oss h2{color:#1A3A5C}
.om-oss-tekst p{color:#5A6478}
.om-badges{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.5rem}
.om-badge{padding:.4rem 1rem;border:2px solid #1A3A5C;border-radius:20px;font-size:.78rem;font-weight:600;color:#1A3A5C;transition:all .15s;display:inline-block}
a.om-badge:hover{background:#1A3A5C;color:#fff}
.authorboks{background:#D5E4F2;border-radius:12px;padding:1.75rem;border:1px solid #D8E3EE;display:grid;grid-template-columns:auto minmax(0,1fr);grid-template-rows:auto auto;gap:1.25rem;align-self:start;margin-top:3.5rem}
.author-bilde{width:140px;height:140px;border-radius:50%;object-fit:cover;flex-shrink:0;border:3px solid #C8D8E8}
.author-bilde-placeholder{width:88px;height:88px;border-radius:50%;background:#E3E8EF;flex-shrink:0;display:flex;align-items:center;justify-content:center}
.author-info{grid-column:2;grid-row:1;min-width:0}
.author-navn{font-weight:700;font-size:1rem;color:#1A3A5C;margin-bottom:.15rem}
.author-tittel{font-size:.82rem;color:#5A6478;margin-bottom:.2rem}
.author-forfatter{font-size:.78rem;color:#00875A;font-weight:600;margin-bottom:.6rem}
.author-credentials{list-style:none;margin-bottom:.875rem;display:flex;flex-direction:column;gap:.2rem}
.author-credentials li{font-size:.8rem;color:#1A3A5C;font-weight:600}
.author-sitat{display:flex;gap:.5rem;align-items:flex-start;background:#C8D8E8;border-radius:8px;padding:.75rem 1rem;grid-column:1 / -1;grid-row:2;margin-bottom:0}
.author-sitat-ikon{width:18px;height:18px;color:#1A3A5C;flex-shrink:0;margin-top:.1rem;opacity:.5}
.author-sitat p{font-size:.85rem;color:#1A3A5C;font-style:italic;margin:0;line-height:1.55}
.author-venstre{display:flex;flex-direction:column;align-items:center;gap:.875rem;grid-column:1;grid-row:1}
.author-kontakt{display:flex;flex-direction:column;gap:.4rem;align-items:flex-start;width:100%}
.author-kontakt-ledd{display:flex;align-items:center;gap:.5rem;font-size:.82rem;color:#1A3A5C;font-weight:600;text-decoration:none;transition:color .2s}
.author-kontakt-ledd:hover{color:#00B377}
.author-kontakt-ledd svg{width:15px;height:15px;flex-shrink:0;color:#1A3A5C}

/* FINAL CTA */
.final-cta{background:linear-gradient(135deg,#1A3A5C 0%,#0D2744 100%);padding:5rem 0}
.final-cta-inner{text-align:center}
.final-cta h2{color:#fff;margin-bottom:.75rem;font-size:clamp(1.75rem,3.5vw,2.5rem)}
.final-cta p{color:rgba(255,255,255,.75);margin-bottom:2rem;font-size:1.05rem}

/* KONTAKT */
.kontakt{background:#DDEAF6}
.kontakt h2{color:#1A3A5C;margin-bottom:.5rem;text-align:center}
.kontakt-intro{color:#5A6478;margin-bottom:2.5rem;font-size:1.05rem;text-align:center}
.kontakt-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;max-width:720px;margin:0 auto}
.kontakt-item{background:linear-gradient(135deg,#D5E4F2 0%,#DDE6F0 100%);border-radius:16px;padding:2.5rem 2rem;border:1px solid #E3E8EF;text-align:center;transition:transform .2s,box-shadow .2s}
.kontakt-item:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,.09)}
.kontakt-ikon-wrap{font-size:2.75rem;margin-bottom:1.25rem;display:flex;align-items:center;justify-content:center;height:2.75rem}
.kontakt-tittel{color:#1A3A5C;font-size:1.1rem;margin-bottom:.6rem}
.kontakt-item p{color:#5A6478;font-size:.95rem}
.kontakt-note{font-size:.82rem;color:#9AA3B2;margin-top:.25rem}
.kontakt-item a{color:#00B377;font-weight:600;text-decoration:none;transition:color .2s}
.kontakt-item a:hover{color:#009965;text-decoration:underline}
.kontakt-mail-svg{width:2.75rem;height:2.75rem;display:block;flex-shrink:0}
.kontakt-sosiale{text-align:center;margin-top:2.5rem;padding-top:2rem;border-top:1px solid #C8D8E4}
.kontakt-sosiale-tittel{font-weight:600;color:#1A3A5C;margin-bottom:1rem;font-size:.92rem}
.kontakt-sosiale-ikoner{display:flex;justify-content:center;gap:1rem}
.sosial-knapp{width:50px;height:50px;border-radius:50%;display:flex;align-items:center;justify-content:center;transition:all .2s;text-decoration:none;flex-shrink:0}
.sosial-knapp svg{width:22px;height:22px}
.sosial-fb{background:#1877F2;color:#fff}
.sosial-fb:hover{background:#1468D8;transform:translateY(-2px);box-shadow:0 4px 14px rgba(24,119,242,.4)}
.sosial-ig{background:linear-gradient(135deg,#F58529 0%,#DD2A7B 50%,#515BD4 100%);color:#fff}
.sosial-ig:hover{opacity:.88;transform:translateY(-2px);box-shadow:0 4px 14px rgba(221,42,123,.35)}
.sosial-li{background:#0A66C2;color:#fff}
.sosial-li:hover{background:#0858AB;transform:translateY(-2px);box-shadow:0 4px 14px rgba(10,102,194,.4)}
.sosial-tiktok{background:#010101;color:#fff}
.sosial-tiktok:hover{background:#333;transform:translateY(-2px);box-shadow:0 4px 14px rgba(0,0,0,.35)}

/* FOOTER */
.site-footer{background:#0D2744;color:rgba(255,255,255,.65);padding:6rem 0}
.footer-kolonner{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;padding-bottom:3rem;margin-bottom:0;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-col-brand{}
.footer-logo{color:#fff;font-size:1.25rem;font-weight:800;margin-bottom:1rem;white-space:nowrap}
.footer-logo-sub{font-size:.6rem;color:rgba(255,255,255,.45);font-weight:400;letter-spacing:.03em}
.footer-brand-tekst{color:rgba(255,255,255,.45);font-size:.85rem;line-height:1.65;margin-bottom:1.25rem}
.footer-sosiale{display:flex;gap:.625rem}
.footer-sosiale .sosial-knapp{width:38px;height:38px}
.footer-sosiale .sosial-knapp svg{width:18px;height:18px}
.footer-col-tittel{color:rgba(255,255,255,.9);font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;margin-bottom:1.1rem}
.footer-col-nav{display:flex;flex-direction:column;gap:.6rem}
.footer-col-nav a{color:rgba(255,255,255,.5);font-size:.88rem;transition:color .2s;text-decoration:none}
.footer-col-nav a:hover{color:#00B377}
.footer-kontakt-info p{color:rgba(255,255,255,.5);font-size:.85rem;margin-bottom:.5rem;line-height:1.5}
.footer-aapent{color:rgba(255,255,255,.3)!important;font-size:.78rem!important;margin-top:.25rem}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);border-bottom:1px solid rgba(255,255,255,.1);padding:1.5rem 0;margin-bottom:1.5rem;margin-top:2rem}
.footer-legal p{font-size:.78rem;color:rgba(255,255,255,.4);line-height:1.65;margin-bottom:.6rem;text-align:center}
.footer-legal p:last-child{margin-bottom:0}
.footer-bunn p{font-size:.8rem;color:rgba(255,255,255,.35);margin-bottom:.2rem;text-align:center}
.footer-topp{display:flex;justify-content:center;align-items:baseline;gap:3rem;padding-bottom:2rem;margin-bottom:2rem}
.footer-nav{display:flex;gap:2.5rem}
.footer-nav a{color:rgba(255,255,255,.55);font-size:.88rem;text-decoration:none;transition:color .2s}
.footer-nav a:hover{color:#00B377}

/* RESPONSIVE – TABLET */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr}
  .hero-kalkulator{max-width:520px}
  .fordeler-grid{grid-template-columns:repeat(2,1fr)}
  .nokkeltall-grid{grid-template-columns:repeat(2,1fr);gap:2rem}
  .adtt-ekstra-grid{grid-template-columns:1fr}
  .om-oss-inner{grid-template-columns:1fr}
  .steg-grid{flex-direction:column;align-items:stretch}
  .steg-pil{display:none}
  .steg{max-width:100%;text-align:left;display:flex;gap:1.25rem;align-items:flex-start}
  .steg-nummer{margin:0;flex-shrink:0}
  .kjenner-inner{grid-template-columns:1fr}
  .kari-inner{grid-template-columns:1fr}
  .kari-sammenligning{grid-template-columns:1fr;grid-template-rows:auto auto auto}
  .kari-midtpil{padding:.5rem}
  .kari-midtpil-ikon{transform:rotate(90deg)}
  .faq-to-kol{grid-template-columns:1fr}
  .bank-logo-kort{width:calc(33.33% - .68rem)}
  .kontakt-grid{grid-template-columns:repeat(2,1fr);max-width:100%}
}

/* RESPONSIVE – MOBIL */
@media(max-width:767px){
  .kjenner-inner{grid-template-columns:1fr !important;gap:2rem !important}
  .kjenner-inner>*:nth-child(2){display:none !important}
  .hero-linje{display:none}
  .hero h1 em{display:block}
  .trust-items{display:flex !important;flex-direction:column !important;flex-wrap:nowrap !important;align-items:center !important;gap:.875rem !important}
  .trust-item{flex:none !important;width:100% !important;justify-content:center !important}
  .trust-divider{display:none !important}
  .trust-tekst-logo{flex-direction:row !important;gap:.5rem !important;align-items:center !important;justify-content:center !important}
  .trust-tekst-logo>span{white-space:nowrap !important;font-size:.72rem !important}
  .trust-tekst-logo img{height:36px !important;width:auto !important}
  img.finanstilsynet-logo{height:110px !important;width:auto !important}
  .authorboks{grid-template-columns:1fr;grid-template-rows:auto}
  .author-venstre{display:flex;align-items:center;gap:1rem}
  .author-bilde{width:72px;height:72px}
  .author-info{grid-column:1;grid-row:auto}
  .author-sitat{grid-column:1;grid-row:auto}
  body{padding-bottom:72px}
  section{padding:2.5rem 0}
  .above-fold-wrap{min-height:0}
  .site-header .header-inner{height:60px}
  .main-nav{display:none;position:absolute;top:60px;left:0;right:0;background:#1A3A5C;border-top:2px solid #00B377;z-index:99;box-shadow:0 16px 40px rgba(0,0,0,.35)}
  .main-nav.nav-aapen{display:block;animation:nav-inn .22s ease forwards}
  .main-nav>ul{flex-direction:column;gap:0;padding:.375rem 1.25rem .875rem}
  .main-nav>ul>li>a{display:flex;align-items:center;justify-content:space-between;padding:.95rem 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:1.05rem;font-weight:500;color:rgba(255,255,255,.9)}
  .main-nav>ul>li>a::after{content:'›';font-size:1.2rem;color:#00B377;font-weight:700;line-height:1}
  .main-nav>ul>li:last-child>a{border-bottom:none}
  .main-nav>ul>li>a:hover,.main-nav>ul>li>a.aktiv{color:#00B377}
  .nav-dropdown-meny{display:none !important}
  .nav-dropdown.nav-dropdown-aktiv .nav-dropdown-meny{display:block !important;position:static;transform:none;background:rgba(255,255,255,.07);border-radius:8px;box-shadow:none;border:none;padding:.25rem 0 .25rem 1rem;margin-top:.25rem;min-width:0}
  .nav-dropdown.nav-dropdown-aktiv>a::after{transform:rotate(-135deg);border-color:#00B377;margin-bottom:-1px}
  .hamburger{display:flex}
  .hamburger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .hamburger[aria-expanded="true"] span:nth-child(2){opacity:0;transform:scaleX(0)}
  .hamburger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .btn-nav{display:none}
  .hero{padding:3rem 0}
  .trust-badge-top{flex-direction:column;gap:.35rem}
  .kari-ingress{white-space:normal}
  .fordeler-grid{grid-template-columns:1fr}
  .kontakt-grid{grid-template-columns:1fr;max-width:100%}
  .footer-kolonner{grid-template-columns:1fr 1fr;gap:2rem}
  .footer-topp{flex-direction:column;gap:1rem;align-items:center;text-align:center}
  .footer-nav{flex-wrap:wrap;gap:.75rem 1.5rem;justify-content:center}
  .footer-sosiale{justify-content:center}
  .adtt-ekstra-grid{grid-template-columns:1fr}
  .nokkeltall-grid{grid-template-columns:repeat(2,1fr)}
  .faq-to-kol{grid-template-columns:1fr}
  .fu-grid{grid-template-columns:1fr}
  .adtt-samm-topp{grid-template-columns:1fr}
  .adtt-samm-kol:first-child{border-right:none;border-bottom:1px solid #C8D4E0}
  .adtt-samm-rad{grid-template-columns:1fr}
  .adtt-samm-krav:first-child{border-right:none;border-bottom:1px solid #C8D8E8}
  .adtt-samm-krav{padding:.55rem 1.25rem .55rem 2.5rem}
  .adtt-samm-krav::before{left:1.25rem}
  .bank-logo-kort{width:calc(50% - .5rem);min-width:0}
  .footer-kolonner{grid-template-columns:1fr}
  .kari-sammenligning{gap:.625rem}
  .sg-myte-grid{grid-template-columns:1fr}
  .sg-rente-grid{grid-template-columns:1fr}
  .sg-stat-grid{grid-template-columns:repeat(2,1fr)}
}

/* INNHOLDSFORTEGNELSE – KORTGRID */
.adtt-toc{display:grid;grid-template-columns:repeat(6,1fr);gap:1rem;margin:2rem 0 2.5rem}
.adtt-toc-kort{grid-column:span 3;position:relative;display:flex;flex-direction:column;justify-content:flex-end;padding:1.375rem 1.25rem 1.125rem;background:#fff;border:1px solid #DDE4ED;border-radius:14px;text-decoration:none;overflow:hidden;transition:border-color .2s,transform .2s,box-shadow .2s;min-height:110px}
.adtt-toc-kort:nth-child(n+5){grid-column:span 2}
.adtt-toc-kort::before{content:"";position:absolute;bottom:0;left:0;right:0;height:3px;background:#00B377;transform:scaleX(0);transform-origin:left;transition:transform .22s ease}
.adtt-toc-kort:hover{border-color:#00B377;transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,.08)}
.adtt-toc-kort:hover::before{transform:scaleX(1)}
.adtt-toc-nr{position:absolute;top:.75rem;right:1rem;font-size:2.5rem;font-weight:900;color:#EDF2F8;line-height:1;letter-spacing:-.04em;font-family:'Plus Jakarta Sans',sans-serif;pointer-events:none}
.adtt-toc-prefix{display:block;font-size:.72rem;color:#9AA3B2;font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.3rem}
.adtt-toc-emne{display:block;font-size:1rem;font-weight:700;color:#1A3A5C;line-height:1.25}
.adtt-toc-pil{position:absolute;bottom:1.125rem;right:1.25rem;font-size:.9rem;color:#C8D4E0;transition:color .2s,transform .2s}
.adtt-toc-kort:hover .adtt-toc-pil{color:#00B377;transform:translateX(3px)}
@media(max-width:480px){.adtt-toc{grid-template-columns:repeat(4,1fr);gap:.75rem}.adtt-toc-emne{font-size:.9rem}.adtt-toc-kort{grid-column:span 2}.adtt-toc-kort:nth-child(7){grid-column:2/4}}

.kjenner-gobi{display:flex;justify-content:center;align-items:center;padding:1rem 0}
.kjenner-gobi [class*="title"],.kjenner-gobi [class*="name"],.kjenner-gobi [class*="label"],.kjenner-gobi [class*="story-text"],.kjenner-gobi p,.kjenner-gobi span[class]{display:none !important}
@media(max-width:480px){.kjenner-gobi{justify-content:center !important}}
.kari-cta-mobil{display:none}

/* iPhone – forsiden-spesifikke justeringer */
@media(max-width:480px){
  .hero h1{font-size:2.5rem}
  .hero-inner{text-align:center}
  .hero-lead{max-width:100%}
  .hero-meta{justify-content:center}
  .hero-tekst{display:flex;flex-direction:column}
  .hero-tekst h1{order:-1}
  .kari-cta-desktop{display:none !important}
  .kari-cta-mobil{display:flex;justify-content:center;margin-top:1.5rem}
  #samle-kredittkortgjeld .sg-stat-boks:last-child{grid-column:1/-1;text-align:center;border-right:none;border-top:1px solid #D0DCEA}
  .authorboks{justify-items:center;text-align:center}
  .author-venstre{display:contents}
  .author-bilde{grid-row:1;width:90px;height:90px}
  .author-info{grid-row:2;text-align:center}
  .author-credentials{align-items:center}
  .author-sitat{grid-row:3}
  .author-kontakt{grid-row:4;justify-content:center;align-items:center;width:100%;padding-top:.75rem}
}

/* SAMLE GJELD TEMA-SEKSJONER */
.sg-seksjon h2{color:#1A3A5C;margin-bottom:.625rem;text-align:center;text-wrap:balance}
.sg-seksjon .container>.btn{display:block;width:fit-content;margin:1.5rem auto 0}
.sg-ingress{font-family:'DM Serif Display',Georgia,serif;font-style:italic;font-size:1.2rem;color:#1A3A5C;max-width:680px;margin:1.375rem auto 2rem;line-height:1.65;text-align:center;text-wrap:balance;padding:.875rem 0;border-top:2px solid #00B377;border-bottom:2px solid #00B377}
.sg-seksjon{background:#EDF2F8}
.sg-lys{background:#E0EAF5}
.sg-to-kol{display:flex;gap:3rem;align-items:stretch;margin-top:1.5rem}
.sg-to-kol>*{flex:1;min-width:0}
.sg-kol-tekst{display:flex;flex-direction:column}
.sg-kol-tekst>*:last-child{flex:1;margin-bottom:0}
.sg-kol-tekst p{color:#5A6478;line-height:1.75;margin-bottom:1rem}
.sg-kol-tekst p:last-child{margin-bottom:0}
.sg-kol-visual{display:flex;flex-direction:column}
.sg-kol-visual>*:last-child{flex:1;margin-bottom:0}
.sg-krav-boks,.sg-laan-visual,.sg-highlight-boks,.sg-inkasso-boks,.sg-kk-boks{flex:1;margin-bottom:0}

/* Krav-boks */
.sg-krav-boks{background:#fff;border-radius:16px;padding:1.1rem 1.25rem;border:1px solid #E3E8EF}
.sg-krav-tittel{font-size:.85rem;font-weight:700;color:#1A3A5C;margin-bottom:.65rem}
.sg-sjekk-liste{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:.4rem}
.sg-sjekk-liste li{display:flex;gap:.6rem;align-items:flex-start;font-size:.85rem;color:#1A3A5C;line-height:1.45}
.sg-sjekk-liste li::before{content:"✓";color:#00B377;font-weight:800;flex-shrink:0;font-size:.9rem;margin-top:.05rem}
.sg-krav-note{margin-top:.75rem;font-size:.75rem;color:#9AA3B2;font-style:italic;padding-top:.75rem;border-top:1px solid #E3E8EF}

/* Rente-grid */
.sg-rente-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;margin:2rem 0}
.sg-rente-kort{border-radius:14px;padding:1.5rem;text-align:center}
.sg-rente-kort.for{background:#FFF3F1;border:1px solid #F9C8C2}
.sg-rente-kort.etter{background:linear-gradient(135deg,#EDFAF4,#E0F5EA);border:1px solid #A8DFC8}
.sg-rente-kort.spar{background:linear-gradient(145deg,#00C484,#007A50);box-shadow:0 4px 16px rgba(0,179,119,.25)}
.sg-rente-tall{font-size:1.7rem;font-weight:900;display:block;line-height:1.1;letter-spacing:-.02em}
.sg-rente-kort.for .sg-rente-tall{color:#B83030}
.sg-rente-kort.etter .sg-rente-tall{color:#006B42}
.sg-rente-kort.spar .sg-rente-tall{color:#fff;font-size:1.35rem}
.sg-rente-label{font-size:.78rem;display:block;margin-top:.4rem;line-height:1.45}
.sg-rente-kort.for .sg-rente-label,.sg-rente-kort.etter .sg-rente-label{color:#9AA3B2}
.sg-rente-kort.spar .sg-rente-label{color:rgba(255,255,255,.82)}

/* Highlight-boks */
.sg-highlight-boks{background:#fff;border-radius:16px;padding:1.75rem;border:1px solid #E3E8EF}
.sg-highlight-label{font-size:.78rem;color:#9AA3B2;font-weight:600;text-transform:uppercase;letter-spacing:.05em;display:block;margin-bottom:1.25rem}
.sg-highlight-rad{display:flex;flex-direction:column;gap:.2rem;padding:.875rem 0}
.sg-highlight-etikett{font-size:.85rem;color:#5A6478}
.sg-highlight-tall-rod{font-size:1.6rem;font-weight:900;color:#B83030;letter-spacing:-.02em;line-height:1.1;display:block}
.sg-highlight-tall-gronn{font-size:1.6rem;font-weight:900;color:#006B42;letter-spacing:-.02em;line-height:1.1;display:block}
.sg-highlight-enhet{font-size:.75rem;color:#9AA3B2;display:block}
.sg-highlight-skillelinje{border:none;border-top:1px solid #E3E8EF;margin:.25rem 0}
.sg-highlight-spar{background:linear-gradient(135deg,#EDFAF4,#E0F5EA);border:1px solid #A8DFC8;border-radius:10px;padding:.875rem 1rem;display:flex;align-items:center;justify-content:space-between;margin-top:1rem;font-size:.88rem;color:#006B42;font-weight:600}
.sg-highlight-spar-tall{font-size:1.1rem;font-weight:900}
.sg-highlight-merknad{font-size:.75rem;color:#B0B8C4;margin-top:.875rem;font-style:italic;line-height:1.5}

/* Myte-grid */
.sg-myte-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;margin:2rem 0}
.sg-myte-kort{background:#fff;border-radius:14px;padding:1.5rem;border:1px solid #E3E8EF}
.sg-myte-tag{font-size:.68rem;font-weight:800;padding:.22rem .65rem;border-radius:20px;display:inline-block;margin-bottom:.75rem;text-transform:uppercase;letter-spacing:.06em}
.sg-tag-rod{background:#FFE4E0;color:#B83030}
.sg-tag-gronn{background:#D5F5E3;color:#006B42}
.sg-myte-tekst{font-size:.88rem;color:#5A6478;line-height:1.55;margin:0 0 1rem}
.sg-myte-tekst2{font-size:.88rem;color:#1A3A5C;line-height:1.55;margin:0}

/* Lån-visuell */
.sg-laan-visual{background:#fff;border-radius:16px;padding:1.5rem;border:1px solid #E3E8EF}
.sg-laan-tittel{font-size:.82rem;font-weight:700;color:#1A3A5C;margin-bottom:1rem}
.sg-laan-rad{display:flex;align-items:center;gap:.75rem;padding:.6rem .75rem;border-radius:9px;background:#FAFBFC;border:1px solid #E8ECF1;margin-bottom:.5rem;font-size:.88rem}
.sg-laan-gronn-rad{background:rgba(0,179,119,.06);border-color:rgba(0,179,119,.2)}
.sg-laan-nm{flex:1;color:#1A3A5C;font-weight:500;white-space:nowrap}
.sg-laan-pst{font-size:.72rem;font-weight:800;padding:.18rem .5rem;border-radius:5px;white-space:nowrap}
.sg-pst-rod{background:#FFE4E0;color:#B83030}
.sg-pst-gronn{background:#D5F5E3;color:#006B42}
.sg-laan-sum{font-size:.78rem;color:#8A939F;white-space:nowrap}
.sg-pil-rad{text-align:center;padding:.625rem 0;color:#00B377;font-size:.85rem;font-weight:600}
.sg-laan-merknad{font-size:.72rem;color:#B0B8C4;margin-top:.875rem;font-style:italic;line-height:1.5}

/* Smålån-visual */
.sg-smalan-tittel{font-size:.9rem;font-weight:700;color:#1A3A5C;margin-bottom:.875rem}
.sg-smalan-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.75rem;margin-bottom:1rem}
.sg-smalan-kort{background:#fff;border-radius:10px;padding:1rem;border:1px solid #E3E8EF;text-align:center}
.sg-smalan-type{display:block;font-size:.82rem;color:#1A3A5C;font-weight:600;margin-bottom:.35rem}
.sg-smalan-rente{font-size:.75rem;font-weight:800;color:#B83030;background:#FFE4E0;padding:.2rem .5rem;border-radius:5px;display:inline-block}
.sg-smalan-resultat{background:linear-gradient(145deg,#00C484,#007A50);border-radius:10px;padding:.875rem 1rem;text-align:center;color:#fff;font-weight:700;font-size:.88rem}
.sg-smalan-merknad{font-size:.72rem;color:#B0B8C4;margin-top:.75rem;font-style:italic;line-height:1.5}

/* Stat-grid */
.sg-stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;margin:2rem 0}
.sg-stat-boks{background:#fff;border-radius:14px;padding:1.5rem;text-align:center;border:1px solid #E3E8EF;box-shadow:0 2px 8px rgba(0,0,0,.04)}
.sg-stat-tall{font-size:1.6rem;font-weight:900;display:block;letter-spacing:-.02em;line-height:1.1}
.sg-stat-label{font-size:.78rem;color:#9AA3B2;display:block;margin-top:.4rem;line-height:1.45}
.sg-rod{color:#B83030}
.sg-gronn{color:#006B42}
.sg-blaa{color:#1A3A5C}

/* Kredittkort-boks */
.sg-kk-boks{background:#fff;border-radius:16px;padding:1.5rem;border:1px solid #E3E8EF}
.sg-kk-tittel{font-size:.82rem;font-weight:700;color:#1A3A5C;margin-bottom:1rem;padding-bottom:.75rem;border-bottom:1px solid #E3E8EF}
.sg-kk-rad{display:flex;justify-content:space-between;align-items:center;padding:.625rem 0;border-bottom:1px solid #F0F4F8;gap:.75rem}
.sg-kk-rad:last-of-type{border-bottom:none}
.sg-kk-label{font-size:.82rem;color:#5A6478;flex:1}
.sg-kk-tall{font-size:.9rem;font-weight:700;white-space:nowrap}
.sg-kk-merknad{font-size:.72rem;color:#B0B8C4;margin-top:.875rem;font-style:italic;line-height:1.5}

/* Chat-widget */
.chat-widget{background:#fff;border-radius:16px;box-shadow:0 4px 24px rgba(0,0,0,.1);overflow:hidden;margin:1.25rem 0}
.chat-header{display:flex;align-items:center;gap:.75rem;background:#1A3A5C;padding:.85rem 1.1rem}
.chat-header-navn{color:#fff;font-weight:700;font-size:.95rem;margin:0}
.chat-header-status{display:flex;align-items:center;gap:.35rem;color:rgba(255,255,255,.7);font-size:.75rem;margin:0}
.chat-dot{width:8px;height:8px;background:#00B377;border-radius:50%;display:inline-block;flex-shrink:0}
.chat-meldinger{padding:1rem 1.1rem;display:flex;flex-direction:column;gap:.6rem;background:#F5F7FA}
.chat-melding{max-width:82%;padding:.7rem .95rem;border-radius:16px;font-size:.88rem;line-height:1.55;color:#1A3A5C}
.chat-deg{background:#1A3A5C;color:#fff;border-radius:16px 16px 4px 16px;align-self:flex-end}
.chat-radgiver{background:#fff;border-radius:16px 16px 16px 4px;align-self:flex-start;box-shadow:0 1px 4px rgba(0,0,0,.08)}
.chat-avsender{font-size:.68rem;font-weight:700;color:#1A3A5C;opacity:.6;margin-bottom:.2rem;text-transform:uppercase;letter-spacing:.04em}
.chat-typing{display:flex;gap:5px;padding:.6rem .9rem;background:#fff;border-radius:16px 16px 16px 4px;align-self:flex-start;box-shadow:0 1px 4px rgba(0,0,0,.08)}
.chat-typing span{width:7px;height:7px;background:#1A3A5C;border-radius:50%;opacity:.4;animation:chat-puls 1.2s infinite}
.chat-typing span:nth-child(2){animation-delay:.2s}
.chat-typing span:nth-child(3){animation-delay:.4s}
@keyframes chat-puls{0%,80%,100%{transform:scale(1);opacity:.4}40%{transform:scale(1.2);opacity:.9}}
.chat-cta{display:block;margin:0;border-radius:0;text-align:center;padding:1rem}
.chat-skjult{opacity:0;transform:translateY(8px);transition:opacity .35s ease,transform .35s ease}
.chat-synlig{opacity:1;transform:translateY(0)}
.chat-anim-skjult{opacity:0;transition:opacity .4s ease}
.chat-anim-synlig{opacity:1;transition:opacity .4s ease}
#samle-smalan .sg-to-kol,
#samle-kredittkortgjeld .sg-to-kol{align-items:center}
#samle-forbrukslan .sg-to-kol{align-items:center}
#samle-gjeld-uten-sikkerhet .sg-to-kol{align-items:flex-start}
#samle-gjeld-uten-sikkerhet .sg-krav-boks{margin-top:1.25rem}
#chat-uten-sikkerhet .chat-meldinger{min-height:200px}
.chat-typing-boble{display:flex;gap:5px;padding:.6rem .9rem;background:#fff;border-radius:16px 16px 16px 4px;align-self:flex-start;box-shadow:0 1px 4px rgba(0,0,0,.08);width:fit-content}
.chat-typing-boble span{width:7px;height:7px;background:#1A3A5C;border-radius:50%;opacity:.4;animation:chat-puls 1.2s infinite}
.chat-typing-boble span:nth-child(2){animation-delay:.2s}
.chat-typing-boble span:nth-child(3){animation-delay:.4s}

/* Faktaboks */
.sg-fb{border-radius:12px;padding:1.125rem 1.375rem;margin:1.25rem 0}
.sg-fb-blaa{background:#EEF3F9;border-left:3px solid #1A3A5C}
.sg-fb-gronn{background:#EDFAF4;border-left:3px solid #00B377}
.sg-fb-gul{background:#FFF8EE;border-left:3px solid #C07000}
.sg-fb-tittel{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;margin-bottom:.45rem}
.sg-fb-blaa .sg-fb-tittel{color:#1A3A5C}
.sg-fb-gronn .sg-fb-tittel{color:#006B42}
.sg-fb-gul .sg-fb-tittel{color:#8A5500}
.sg-fb-tekst{font-size:.9rem;color:#1A3A5C;line-height:1.6;margin:0}

/* Mini-prosess */
.sg-prosess{list-style:none;padding:0;margin:1.25rem 0;display:flex;flex-direction:column;gap:.625rem;counter-reset:sg-steg}
.sg-prosess li{display:flex;gap:.875rem;align-items:flex-start;font-size:.92rem;color:#1A3A5C;line-height:1.5;counter-increment:sg-steg}
.sg-prosess li::before{content:counter(sg-steg);background:#00B377;color:#fff;min-width:24px;width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:800;margin-top:.15rem;flex-shrink:0}

/* Inkasso-boks */
.sg-inkasso-boks{background:#fff;border-radius:16px;padding:1.5rem;border:1px solid #E3E8EF}
.sg-inkasso-rad{padding:.875rem 0}
.sg-inkasso-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:.5rem}
.sg-inkasso-tittel{font-size:.92rem;font-weight:700;color:#1A3A5C}
.sg-inkasso-tekst{font-size:.85rem;color:#5A6478;line-height:1.6;margin:0}
.sg-inkasso-skillelinje{border:none;border-top:1px solid #E3E8EF}

/* TOC – 7. kort sentrert i siste rad */
@media(max-width:1024px){.adtt-toc{grid-template-columns:repeat(2,1fr)}.adtt-toc-kort,.adtt-toc-kort:nth-child(n+5){grid-column:span 1}}

/* Responsive */
@media(max-width:1024px){
  .sg-to-kol{flex-direction:column;gap:2rem}
}
@media(max-width:767px){
  .sg-smalan-grid{grid-template-columns:repeat(2,1fr)}
  .sg-stat-grid{grid-template-columns:repeat(2,1fr)}
}

/* SAMLE GJELD UTEN SIKKERHET – krav-boks uten ramme */
#samle-gjeld-uten-sikkerhet .sg-krav-boks{background:none;border:none;border-radius:0;padding:0}
#samle-gjeld-uten-sikkerhet .sg-krav-tittel{font-size:.88rem;margin-bottom:.75rem}

/* SAMLE FORBRUKSLÅN – ny grafik */
.forb-liste{display:flex;flex-direction:column}
.forb-tittel{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#9AA3B2;margin-bottom:1rem;display:block}
.forb-rad{display:flex;align-items:center;gap:.75rem;padding:1.1rem 0;border-bottom:1px solid #D0DCEA}
.forb-rad-gronn{border-bottom:none;padding-top:1.1rem}
.forb-nm{font-size:1rem;color:#1A3A5C;flex:1;font-weight:500}
.forb-pst{font-size:1rem;font-weight:800;white-space:nowrap}
.forb-pst.rod{color:#B83030}
.forb-pst.gronn{color:#00B377}
.forb-sum{font-size:.88rem;color:#9AA3B2;white-space:nowrap;text-align:right;min-width:75px}
.forb-pil{text-align:center;padding:.75rem 0;font-size:.85rem;font-weight:600;color:#9AA3B2}
.forb-merknad{font-size:.72rem;color:#B0B8C4;margin-top:1rem;font-style:italic;line-height:1.5;margin-bottom:0}

/* KONTAKT – hover-animasjoner */
.kontakt-telefon-svg{width:2.75rem;height:2.75rem;display:block;transition:transform .35s cubic-bezier(.34,1.56,.64,1);transform-origin:40% 62%}
.kontakt-item:hover .kontakt-telefon-svg{transform:rotate(-28deg) translateY(-4px)}
.kontakt-mail-wrap{position:relative;display:inline-block;width:2.75rem;height:2.75rem}
.kontakt-penn-svg{position:absolute;right:-8px;bottom:-8px;width:22px;height:22px;opacity:0;transform:translate(8px,8px) scale(.6);transition:opacity .25s ease,transform .35s cubic-bezier(.34,1.56,.64,1);pointer-events:none}
.kontakt-item:hover .kontakt-penn-svg{opacity:1;transform:translate(0,0) scale(1)}

/* KARI-SEKSJON – fjern bokser */
.kari-seksjon .kari-card{background:none;border:none;box-shadow:none}
.kari-seksjon .kari-side{background:none;border:none;box-shadow:none;padding:0}
.kari-seksjon .kari-laan-item{background:none;border:none;border-bottom:1px solid #D0DCEA;border-radius:0;padding:.7rem 0;box-shadow:none}
.kari-seksjon .kari-laan-item:last-child{border-bottom:none}
.kari-seksjon .kari-laan-gronn{background:none;border-color:#D0DCEA}
.kari-seksjon .kari-side-etter .kari-laan-list{align-content:end}
.kari-seksjon .kari-rente-badge{background:none;padding:0;border-radius:0;font-size:.82rem;font-weight:800}
.kari-seksjon .rente-rod{color:#B83030}
.kari-seksjon .rente-gronn{color:#00B377}
.kari-seksjon .kari-mnd-boks{background:none;border:none;border-top:1px solid #D0DCEA;border-radius:0;padding:.875rem 0 0;margin-top:.625rem}
.kari-seksjon .kari-boks-rod .kari-mnd-tall{color:#B83030}
.kari-seksjon .kari-boks-gronn .kari-mnd-tall{color:#00B377}

/* SAMLE KREDITTKORTGJELD – ny grafik */
#samle-kredittkortgjeld .sg-stat-grid{border-top:1px solid #D0DCEA;border-bottom:1px solid #D0DCEA;margin:1.5rem 0 2rem;gap:0}
#samle-kredittkortgjeld .sg-stat-boks{background:none;border:none;box-shadow:none;padding:1.5rem 1rem;border-right:1px solid #D0DCEA}
#samle-kredittkortgjeld .sg-stat-boks:last-child{border-right:none}
#samle-kredittkortgjeld .sg-rod{color:#B83030}
#samle-kredittkortgjeld .sg-gronn{color:#00B377}

/* SAMLE GJELD MED BETALINGSANMERKNING – ny grafik */
.bam-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin:2rem 0}
.bam-item{border-bottom:1px solid #D0DCEA;padding-bottom:1rem;text-align:center}
.bam-tag{display:block;font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;margin-bottom:.4rem}
.bam-tag.rod{color:#B83030}
.bam-tag.gronn{color:#00B377}
.bam-tekst{font-size:.88rem;color:#5A6478;line-height:1.6;margin:0 0 1rem}
.bam-tekst.gronn{color:#1A3A5C;margin-bottom:0}
@media(max-width:767px){.bam-grid{grid-template-columns:1fr}}

/* SAMLE GJELD MED INKASSO – ny grafik */
.ink-overskrift{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#9AA3B2;margin-bottom:0}
#samle-gjeld-inkasso .sg-kol-visual{justify-content:center}
.ink-advarsel{margin-top:auto;padding-top:1.25rem;border-top:2px solid #1A3A5C}
.ink-advarsel-tittel{display:block;font-size:.95rem;font-weight:700;color:#1A3A5C;margin-bottom:.4rem}
.ink-advarsel-tekst{font-size:.88rem;color:#5A6478;line-height:1.6;margin:0}
#samle-gjeld-inkasso .sg-kol-tekst>*:last-child{flex:0;margin-top:auto}
.ink-liste{display:flex;flex-direction:column}
.ink-steg{padding:1rem 0;border-bottom:1px solid #D0DCEA}
.ink-steg-siste{border-bottom:none}
.ink-steg-header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.4rem;gap:1rem}
.ink-steg-tittel{font-size:.95rem;font-weight:700;color:#1A3A5C}
.ink-status{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;white-space:nowrap}
.ink-status.rod{color:#B83030}
.ink-status.gronn{color:#00B377}
.ink-steg-tekst{font-size:.88rem;color:#5A6478;line-height:1.6;margin:0}

/* SAMLE GJELD MED SIKKERHET I BOLIG – ny grafik */
.sikkb-rente{display:flex;align-items:center;justify-content:center;gap:2rem;padding:1.5rem 0;border-top:1px solid #D0DCEA;border-bottom:1px solid #D0DCEA;margin:0 0 1rem;text-align:center}
.sikkb-rente-stat{flex:1;max-width:200px}
.sikkb-rente-num{display:block;font-size:clamp(1.6rem,2.8vw,2.6rem);font-weight:900;line-height:1;letter-spacing:-.03em;margin-bottom:.4rem;font-family:'Plus Jakarta Sans',sans-serif;white-space:nowrap}
.sikkb-rente-num.rod{color:#B83030}
.sikkb-rente-num.gronn{color:#00B377}
.sikkb-rente-lbl{font-size:.82rem;color:#7A8898;line-height:1.4;display:block}
.sikkb-pil{font-size:1.5rem;color:#C8D4E0;flex-shrink:0}
.sikkb-rente-konklusjon{text-align:center;font-size:.88rem;font-weight:600;color:#00B377;margin:0 auto 2rem}
.sikkb-kalk-tittel{display:block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#9AA3B2;margin-bottom:1.5rem}
.sikkb-bar-item{margin-bottom:1.25rem}
.sikkb-bar-header{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.4rem;gap:.5rem}
.sikkb-bar-lbl{font-size:.82rem;color:#5A6478}
.sikkb-bar-tall{font-size:.88rem;font-weight:700;white-space:nowrap}
.sikkb-bar-tall.rod{color:#B83030}
.sikkb-bar-tall.gronn{color:#00B377}
.sikkb-bar-track{background:#E0EAF5;border-radius:3px;height:9px;overflow:hidden}
.sikkb-bar-fill{height:100%;border-radius:3px}
.sikkb-bar-fill.rod{background:#B83030}
.sikkb-bar-fill.gronn{background:#00B377}
.sikkb-kalk-spar{display:flex;justify-content:space-between;align-items:baseline;padding:.875rem 0 0;border-top:1px solid #D8E3EE;margin-top:.5rem;gap:1rem}
.sikkb-kalk-spar-lbl{font-size:.85rem;color:#5A6478}
.sikkb-kalk-spar-tall{font-size:1.15rem;font-weight:900;color:#00B377;white-space:nowrap}
.sikkb-kalk-merknad{font-size:.72rem;color:#B0B8C4;margin-top:.875rem;font-style:italic;line-height:1.5;margin-bottom:0}
@media(max-width:767px){
  .sikkb-rente{flex-direction:column;gap:1.5rem;padding:1.5rem 0}
  .sikkb-pil{transform:rotate(90deg)}
  .sikkb-rente-stat{max-width:100%}
}

/* SOKNAD MODAL */
.sm-overlay{position:fixed;inset:0;background:rgba(10,24,44,.72);z-index:9999;display:flex;align-items:center;justify-content:center;padding:1rem;opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s;backdrop-filter:blur(3px)}
.sm-overlay.aktiv{opacity:1;visibility:visible}
.sm-modal{background:#fff;border-radius:20px;width:100%;max-width:460px;box-shadow:0 32px 80px rgba(0,0,0,.24);transform:translateY(18px) scale(.97);transition:transform .28s cubic-bezier(.16,1,.3,1);overflow:hidden}
.sm-overlay.aktiv .sm-modal{transform:none}
.sm-topp{background:linear-gradient(135deg,#1A3A5C 0%,#0D2744 100%);padding:1.75rem 2rem 1.5rem;position:relative}
.sm-lukk{position:absolute;top:1rem;right:1rem;width:32px;height:32px;border-radius:8px;background:rgba(255,255,255,.1);border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.55);transition:all .15s;flex-shrink:0}
.sm-lukk:hover{background:rgba(255,255,255,.2);color:#fff}
.sm-lukk svg{width:16px;height:16px}
.sm-logo-rad{display:flex;align-items:center;gap:.55rem;margin-bottom:1rem}
.sm-logo-ikon{flex-shrink:0}
.sm-logo-navn{font-size:.88rem;font-weight:800;color:#fff;letter-spacing:-.01em}
.sm-logo-dot{color:#00B377}
.sm-tittel{color:#fff;font-size:1.25rem;font-weight:700;margin:0 0 .75rem;line-height:1.25}
.sm-badges{display:flex;gap:.6rem;flex-wrap:wrap}
.sm-badge{font-size:.72rem;font-weight:700;color:#00B377;background:rgba(0,179,119,.12);border:1px solid rgba(0,179,119,.25);border-radius:5px;padding:.2rem .6rem}
.sm-kropp{padding:1.75rem 2rem 2rem}
.sm-felt-grid{display:flex;flex-direction:column;gap:.875rem}
.sm-felt{display:flex;flex-direction:column;gap:.3rem}
.sm-label{font-size:.72rem;font-weight:800;color:#9AA3B2;text-transform:uppercase;letter-spacing:.07em}
.sm-input{width:100%;padding:.75rem 1rem;border:1.5px solid #D8E3EE;border-radius:10px;font-size:.93rem;font-family:inherit;color:#1A3A5C;background:#fff;transition:border-color .15s,box-shadow .15s;outline:none;box-sizing:border-box;-webkit-appearance:none}
.sm-input::placeholder{color:#B0B8C4}
.sm-input:focus{border-color:#00B377;box-shadow:0 0 0 3px rgba(0,179,119,.12)}
.sm-input.sm-feil{border-color:#E53E3E;box-shadow:0 0 0 3px rgba(229,62,62,.1)}
select.sm-input{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='11' viewBox='0 0 24 24' fill='none' stroke='%239AA3B2' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .9rem center;padding-right:2.5rem;cursor:pointer}
.sm-send{width:100%;margin-top:1.25rem;padding:.9rem;background:#00B377;color:#fff;border:none;border-radius:12px;font-size:.97rem;font-weight:700;font-family:inherit;cursor:pointer;transition:background .2s;display:flex;align-items:center;justify-content:center;gap:.5rem}
.sm-send:hover{background:#009966}
.sm-send svg{width:16px;height:16px}
.sm-legal{text-align:center;margin-top:.75rem;font-size:.7rem;color:#B0B8C4;line-height:1.55}
.sm-suksess{padding:2.5rem 2rem;text-align:center;display:none}
.sm-suksess.synlig{display:block}
.sm-kropp.skjult{display:none}
.sm-suksess-ikon{width:60px;height:60px;background:#E8F5EF;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 1.25rem}
.sm-suksess-ikon svg{width:28px;height:28px;color:#00B377}
.sm-suksess h3{color:#1A3A5C;font-size:1.15rem;font-weight:700;margin:0 0 .5rem}
.sm-suksess p{color:#5A6478;font-size:.88rem;line-height:1.75;margin:0 0 1.5rem;max-width:300px;margin-left:auto;margin-right:auto}
.sm-suksess-lukk{background:#EDF2F8;border:none;border-radius:10px;padding:.7rem 1.75rem;font-size:.88rem;font-weight:700;color:#1A3A5C;cursor:pointer;font-family:inherit;transition:background .15s}
.sm-suksess-lukk:hover{background:#D8E3EE}
@media(max-width:500px){.sm-topp,.sm-kropp{padding-left:1.25rem;padding-right:1.25rem}}