/* ═══════════════════════════════════════════════════════════════
   FOLKEKREDITT.NO — Stylesheet
   Lys, minimalistisk, tillitvekkende finans-design
   ═══════════════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,400&display=swap');

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

:root {
  --bg: #FAFAF8;
  --bg-warm: #F5F4F0;
  --bg-card: #FFFFFF;
  --text-primary: #1A1A1A;
  --text-secondary: #5A5A5A;
  --text-muted: #8A8A8A;
  --accent: #2D6A4F;
  --accent-light: #E8F5EE;
  --accent-medium: #B7DBCA;
  --accent-hover: #1B4332;
  --accent-glow: rgba(45,106,79,0.12);
  --border: #E8E8E4;
  --border-hover: #CFCFC8;
  --danger: #C0392B;
  --danger-light: #FDEDEC;
  --shadow-xs: 0 1px 2px rgba(0,0,0,0.03);
  --shadow-sm: 0 1px 4px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 24px rgba(0,0,0,0.06);
  --shadow-lg: 0 8px 48px rgba(0,0,0,0.08);
  --shadow-accent: 0 4px 16px rgba(45,106,79,0.15);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-xs: 6px;
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --max-width: 1200px;
  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text-primary);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; }
a { color: var(--accent); text-decoration: none; }
a:hover { color: var(--accent-hover); }

/* ─── SUBTLE GRAIN TEXTURE ─── */
body::before {
  content: '';
  position: fixed; top: 0; left: 0; width: 100%; height: 100%;
  pointer-events: none; z-index: 9999;
  opacity: 0.025;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* ═══ NAVIGATION ═══ */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(250,250,248,0.88);
  backdrop-filter: blur(24px) saturate(1.2);
  -webkit-backdrop-filter: blur(24px) saturate(1.2);
  border-bottom: 1px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition);
}
nav.scrolled {
  border-bottom-color: var(--border);
  box-shadow: var(--shadow-xs);
}

.nav-inner {
  max-width: var(--max-width); margin: 0 auto;
  padding: 0 32px; height: 68px;
  display: flex; align-items: center; justify-content: space-between;
}

.logo {
  font-family: var(--font-display);
  font-weight: 700; font-size: 1.3rem;
  color: var(--text-primary);
  text-decoration: none;
  letter-spacing: -0.03em;
  display: flex; align-items: center; gap: 2px;
}
.logo span { color: var(--accent); }

.nav-links {
  display: flex; gap: 8px; list-style: none;
}
.nav-links a {
  display: block; padding: 8px 16px;
  text-decoration: none; color: var(--text-secondary);
  font-size: 0.88rem; font-weight: 500;
  border-radius: 100px;
  transition: all var(--transition);
}
.nav-links a:hover {
  color: var(--text-primary);
  background: var(--accent-light);
}
.nav-links a.active {
  color: var(--accent);
  background: var(--accent-light);
  font-weight: 600;
}

.nav-cta {
  padding: 9px 20px !important;
  background: var(--accent) !important;
  color: #fff !important;
  font-weight: 600 !important;
}
.nav-cta:hover {
  background: var(--accent-hover) !important;
  color: #fff !important;
}

/* Mobile menu */
.hamburger {
  display: none; background: none; border: none; cursor: pointer;
  width: 36px; height: 36px; position: relative;
  border-radius: 8px;
  transition: background var(--transition);
}
.hamburger:hover { background: var(--accent-light); }
.hamburger span {
  display: block; width: 18px; height: 2px;
  background: var(--text-primary);
  position: absolute; left: 9px;
  transition: all 0.3s ease;
  border-radius: 1px;
}
.hamburger span:nth-child(1) { top: 11px; }
.hamburger span:nth-child(2) { top: 17px; }
.hamburger span:nth-child(3) { top: 23px; }
.hamburger.open span:nth-child(1) { top: 17px; transform: rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { top: 17px; transform: rotate(-45deg); }

.mobile-menu {
  display: none;
  position: fixed; top: 68px; left: 0; right: 0;
  background: rgba(250,250,248,0.97);
  backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--border);
  padding: 16px 24px;
  box-shadow: var(--shadow-md);
}
.mobile-menu.open { display: block; }
.mobile-menu a {
  display: block; padding: 14px 16px;
  color: var(--text-primary); font-weight: 500;
  border-radius: var(--radius-sm);
  transition: background var(--transition);
}
.mobile-menu a:hover { background: var(--accent-light); }

/* ═══ HERO ═══ */
.hero {
  padding: 140px 32px 80px;
  max-width: var(--max-width); margin: 0 auto;
  text-align: center;
  position: relative;
}

/* Decorative accent circle */
.hero::before {
  content: '';
  position: absolute;
  top: 80px; left: 50%; transform: translateX(-50%);
  width: 600px; height: 600px;
  background: radial-gradient(circle, var(--accent-glow) 0%, transparent 70%);
  pointer-events: none;
  z-index: -1;
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--accent-light);
  color: var(--accent);
  padding: 7px 18px;
  border-radius: 100px;
  font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.02em;
  margin-bottom: 28px;
  animation: fadeUp 0.7s ease both;
}

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5.5vw, 3.8rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.035em;
  margin-bottom: 20px;
  animation: fadeUp 0.7s ease 0.1s both;
}
.hero h1 em {
  font-style: italic; color: var(--accent);
  font-weight: 500;
}

.hero > p {
  font-size: 1.12rem;
  color: var(--text-secondary);
  max-width: 540px; margin: 0 auto 40px;
  animation: fadeUp 0.7s ease 0.2s both;
}

.hero-actions {
  display: flex; gap: 12px; justify-content: center; flex-wrap: wrap;
  animation: fadeUp 0.7s ease 0.3s both;
}

/* ═══ BUTTONS ═══ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 28px; border-radius: 100px;
  font-family: var(--font-body); font-size: 0.92rem; font-weight: 600;
  text-decoration: none; cursor: pointer; border: none;
  transition: all var(--transition);
  line-height: 1;
}

.btn-primary {
  background: var(--accent); color: #fff;
  box-shadow: var(--shadow-accent);
}
.btn-primary:hover {
  background: var(--accent-hover); color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 6px 24px rgba(45,106,79,0.2);
}

.btn-secondary {
  background: var(--bg-card); color: var(--text-primary);
  border: 1.5px solid var(--border);
}
.btn-secondary:hover {
  border-color: var(--border-hover);
  box-shadow: var(--shadow-sm);
}

.btn-sm { padding: 10px 20px; font-size: 0.85rem; }

.btn-ghost {
  background: transparent; color: var(--accent);
  padding: 10px 20px;
}
.btn-ghost:hover { background: var(--accent-light); }

/* ═══ TRUST BAR ═══ */
.trust-bar {
  max-width: 700px; margin: 0 auto;
  padding: 48px 24px 0;
  display: flex; justify-content: center; gap: 56px; flex-wrap: wrap;
  animation: fadeUp 0.7s ease 0.4s both;
}
.trust-item { text-align: center; }
.trust-item .number {
  font-family: var(--font-display);
  font-size: 1.7rem; font-weight: 700;
  color: var(--text-primary);
}
.trust-item .label {
  font-size: 0.78rem; color: var(--text-muted);
  margin-top: 3px; letter-spacing: 0.01em;
}

/* ═══ SECTIONS ═══ */
.section {
  max-width: var(--max-width); margin: 0 auto;
  padding: 88px 32px;
}

.section-header {
  text-align: center; margin-bottom: 52px;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  font-weight: 700;
  letter-spacing: -0.025em;
  margin-bottom: 14px;
}
.section-header p {
  color: var(--text-secondary);
  font-size: 1.05rem;
  max-width: 500px; margin: 0 auto;
}

.section-alt {
  background: var(--bg-warm);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.section-alt > .section { padding: 88px 32px; }

/* ═══ CARD GRID ═══ */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 20px;
}

.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.card:hover {
  border-color: var(--border-hover);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.card-badge {
  position: absolute; top: 16px; right: 16px;
  background: var(--accent);
  color: #fff;
  font-size: 0.68rem; font-weight: 700;
  padding: 4px 12px;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.card-img-wrap {
  width: 100%; height: 100px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  background: var(--bg);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.card-img-wrap img {
  max-height: 72px; width: auto;
  object-fit: contain;
}
.card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--accent-light), var(--accent-medium));
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}

.card h3 {
  font-family: var(--font-display);
  font-size: 1.15rem; font-weight: 600;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

.card-meta {
  display: flex; gap: 20px; margin-bottom: 16px; flex-wrap: wrap;
}
.card-meta-item { display: flex; flex-direction: column; }
.card-meta-item .value {
  font-weight: 700; font-size: 1.08rem;
  color: var(--text-primary);
}
.card-meta-item .key {
  font-size: 0.72rem; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: 0.05em;
}

.card-features {
  list-style: none; display: flex; flex-wrap: wrap; gap: 6px;
  margin-bottom: 16px;
}
.card-features li {
  background: var(--bg);
  padding: 4px 11px;
  border-radius: var(--radius-xs);
  font-size: 0.76rem;
  color: var(--text-secondary);
  border: 1px solid var(--border);
}

.card .desc {
  color: var(--text-secondary);
  font-size: 0.88rem;
  margin-bottom: 16px;
  line-height: 1.55;
}

.pros-cons {
  font-size: 0.82rem;
  margin-bottom: 20px;
  padding: 12px 14px;
  background: var(--bg);
  border-radius: var(--radius-sm);
}
.pros-cons .pros { color: var(--accent); margin-bottom: 4px; }
.pros-cons .cons { color: var(--danger); }
.pros-cons strong { font-weight: 600; }

.card .btn { width: 100%; }

/* ─── Compact card variant ─── */
.card-compact {
  padding: 20px 24px;
}
.card-compact .card-top-row {
  display: flex; align-items: center; gap: 20px;
}
.card-compact .card-img {
  width: 72px; height: 48px;
  flex-shrink: 0;
  background: var(--bg);
  border-radius: var(--radius-xs);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.card-compact .card-img img {
  max-height: 36px; width: auto;
}
.card-compact .card-info-brief { flex: 1; }
.card-compact .card-info-brief h3 {
  font-family: var(--font-display);
  font-size: 1rem; font-weight: 600;
  margin-bottom: 4px;
}
.card-compact .card-meta-row {
  display: flex; gap: 16px; flex-wrap: wrap;
  font-size: 0.82rem;
  color: var(--text-secondary);
}
.card-compact .card-meta-row strong {
  color: var(--text-primary);
}

/* ═══ CALCULATOR ═══ */
.calc-container {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
  max-width: 720px;
  margin: 0 auto;
  box-shadow: var(--shadow-sm);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}

.input-group { display: flex; flex-direction: column; gap: 7px; }
.input-group label {
  font-size: 0.8rem; font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.input-group input,
.input-group select {
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--text-primary);
  background: var(--bg);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.input-group input:focus,
.input-group select:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-glow);
}

.calc-results {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 24px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  text-align: center;
}
.result-item .result-value {
  font-family: var(--font-display);
  font-size: 1.45rem; font-weight: 700;
  color: var(--accent);
}
.result-item .result-label {
  font-size: 0.76rem; color: var(--text-muted);
  margin-top: 3px;
}

/* ═══ PAGE LINKS GRID ═══ */
.pages-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 14px;
}

.page-card {
  display: flex; align-items: center; gap: 16px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  text-decoration: none;
  color: var(--text-primary);
  transition: all var(--transition);
}
.page-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
  color: var(--text-primary);
}
.page-card .page-icon {
  width: 44px; height: 44px;
  background: var(--accent-light);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}
.page-card h4 { font-size: 0.92rem; font-weight: 600; }
.page-card p { font-size: 0.78rem; color: var(--text-muted); margin-top: 2px; }
.page-card .arrow {
  margin-left: auto; color: var(--text-muted);
  font-size: 1.1rem;
  transition: transform var(--transition), color var(--transition);
}
.page-card:hover .arrow { transform: translateX(4px); color: var(--accent); }

/* ═══ FAQ ═══ */
.faq-list {
  max-width: 700px; margin: 0 auto;
  display: flex; flex-direction: column; gap: 8px;
}
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg-card);
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item.open { border-color: var(--accent-medium); }
.faq-q {
  width: 100%; padding: 20px 24px;
  background: none; border: none;
  font-family: var(--font-body);
  font-size: 0.95rem; font-weight: 600;
  color: var(--text-primary);
  text-align: left; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  transition: background var(--transition);
}
.faq-q:hover { background: var(--bg); }
.faq-q .icon {
  font-size: 1.2rem; color: var(--text-muted);
  transition: transform 0.3s ease, color 0.3s ease;
  flex-shrink: 0;
}
.faq-item.open .faq-q .icon { transform: rotate(45deg); color: var(--accent); }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-item.open .faq-a { max-height: 300px; padding: 0 24px 20px; }
.faq-a p {
  color: var(--text-secondary);
  font-size: 0.9rem; line-height: 1.65;
}

/* ═══ CONTENT PAGES ═══ */
.page-hero {
  padding: 130px 32px 60px;
  max-width: var(--max-width); margin: 0 auto;
  text-align: center;
}
.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  margin-bottom: 16px;
  animation: fadeUp 0.7s ease both;
}
.page-hero > p {
  font-size: 1.1rem;
  color: var(--text-secondary);
  max-width: 560px; margin: 0 auto;
  animation: fadeUp 0.7s ease 0.1s both;
}

.content {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 32px 80px;
}
.content h2 {
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 600;
  margin: 48px 0 16px;
  letter-spacing: -0.02em;
}
.content h3 {
  font-family: var(--font-display);
  font-size: 1.15rem; font-weight: 600;
  margin: 32px 0 12px;
}
.content p {
  color: var(--text-secondary);
  margin-bottom: 16px;
  font-size: 0.95rem;
}
.content ul {
  margin: 0 0 20px 20px;
  color: var(--text-secondary);
  font-size: 0.95rem;
}
.content ul li { margin-bottom: 8px; }

.content-card-list {
  display: flex; flex-direction: column; gap: 12px;
  margin: 32px 0;
}

/* ═══ DISCLAIMER ═══ */
.disclaimer {
  background: var(--bg-warm);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  margin: 40px 0;
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ═══ FOOTER ═══ */
footer {
  border-top: 1px solid var(--border);
  background: var(--bg-warm);
  padding: 56px 32px 32px;
}
.footer-inner {
  max-width: var(--max-width); margin: 0 auto;
  display: flex; justify-content: space-between; align-items: start;
  flex-wrap: wrap; gap: 40px;
}
.footer-brand .logo { font-size: 1.15rem; }
.footer-brand p {
  color: var(--text-muted);
  font-size: 0.82rem;
  margin-top: 10px;
  max-width: 300px;
  line-height: 1.6;
}
.footer-links { display: flex; gap: 56px; }
.footer-col h5 {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 14px;
  font-weight: 600;
}
.footer-col a {
  display: block;
  color: var(--text-secondary);
  text-decoration: none;
  font-size: 0.88rem;
  margin-bottom: 10px;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--accent); }
.footer-bottom {
  max-width: var(--max-width); margin: 32px auto 0;
  padding-top: 24px;
  border-top: 1px solid var(--border);
  font-size: 0.76rem;
  color: var(--text-muted);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  line-height: 1.5;
}

/* ═══ ANIMATIONS ═══ */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(18px); }
  to { opacity: 1; transform: translateY(0); }
}

.reveal {
  opacity: 0; transform: translateY(24px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.reveal.visible {
  opacity: 1; transform: translateY(0);
}

/* ═══ RESPONSIVE ═══ */
@media (max-width: 900px) {
  .card-grid { grid-template-columns: 1fr; }
  .pages-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: block; }
  .nav-inner { padding: 0 20px; }
  .hero { padding: 120px 20px 60px; }
  .section { padding: 64px 20px; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-results { grid-template-columns: 1fr; gap: 12px; }
  .calc-container { padding: 24px; }
  .trust-bar { gap: 32px; }
  .footer-links { flex-direction: column; gap: 28px; }
  .footer-inner { flex-direction: column; }
  .page-hero { padding: 110px 20px 48px; }
  .content { padding: 0 20px 64px; }
  .card-compact .card-top-row { flex-wrap: wrap; }
  .card-compact .btn-sm { width: 100%; margin-top: 8px; }
}