:root{
  color-scheme: light;
  --paper:#EFF2F7; --surface:#FFFFFF; --surface-2:#F7F8FB;
  --ink:#141B33; --muted:#3D4562; --line:#CDD4E2; --rule:#141B33;
  --band:#141B33; --band-text:#EFF2F7; --band-muted:#C9D0E0;
  --ribbon:#F4B425; --ribbon-soft:#FFF6DE; --on-ribbon:#141B33;
  --btn:#141B33; --btn-text:#FFFFFF;
  --sans:'Schibsted Grotesk','Helvetica Neue',Helvetica,sans-serif;
  --serif:'Newsreader',Georgia,'Times New Roman',serif;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    color-scheme: dark;
    --paper:#0F1430; --surface:#171E3D; --surface-2:#1C2447;
    --ink:#EFF2F7; --muted:#C6CDDF; --line:#2D3760; --rule:#3B4677;
    --band:#1F2955; --band-text:#EFF2F7; --band-muted:#C9D0E0;
    --ribbon-soft:#2B2A2A;
    --btn:#EFF2F7; --btn-text:#141B33;
  }
}
:root[data-theme="dark"]{
  color-scheme: dark;
  --paper:#0F1430; --surface:#171E3D; --surface-2:#1C2447;
  --ink:#EFF2F7; --muted:#C6CDDF; --line:#2D3760; --rule:#3B4677;
  --band:#1F2955; --band-text:#EFF2F7; --band-muted:#C9D0E0;
  --ribbon-soft:#2B2A2A;
  --btn:#EFF2F7; --btn-text:#141B33;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-padding-top:env(safe-area-inset-top,0px);scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);-webkit-font-smoothing:antialiased}
a{color:var(--ink)} a:hover{color:var(--muted)}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid var(--ribbon);outline-offset:3px}
img,svg{max-width:100%}
.wrap{max-width:1200px;margin:0 auto;padding-inline:32px}
@media (max-width:600px){.wrap{padding-inline:20px}}
.icon{stroke:var(--ink)}

/* nav */
.nav{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;padding-block:24px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-size:22px;font-weight:800;letter-spacing:-.02em}
.nav nav{display:flex;flex-wrap:wrap;align-items:center;gap:24px;font-size:17px;font-weight:500}
.nav nav a{text-decoration:none}
.nav nav a:not(.btn){padding-block:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;background:var(--btn);color:var(--btn-text);border-radius:999px;font-size:17px;font-weight:600;min-height:48px;padding:13px 24px}
.btn:hover{color:var(--btn-text);opacity:.9}
.btn-lg{font-size:19px;min-height:60px;padding:18px 34px}
.btn-ribbon{background:var(--ribbon);color:var(--on-ribbon);font-weight:700}
.btn-ribbon:hover{color:var(--on-ribbon)}

/* type */
h1,h2{margin:0;font-weight:800;letter-spacing:-.03em;text-wrap:balance}
h1{font-size:clamp(44px,6vw,80px);line-height:.98;letter-spacing:-.035em;max-width:11ch}
h2{font-size:clamp(34px,4vw,52px);line-height:1.05}
.lede{margin:0;font-size:20px;line-height:1.5;color:var(--muted);max-width:34em}
.body{margin:0;font-size:19px;line-height:1.55;color:var(--muted);max-width:32em}
.eyebrow{margin:0;display:inline-flex;align-items:center;gap:12px;font-size:15px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.eyebrow::before{content:"";width:28px;height:3px;border-radius:2px;background:var(--ribbon)}
.small{margin:0;font-size:15px;color:var(--muted)}

/* layout */
.split{display:flex;flex-wrap:wrap;gap:64px;align-items:center}
.split > *{min-width:0}
.stack{display:flex;flex-direction:column;gap:24px}
.section{padding-block:112px}
@media (max-width:600px){.section{padding-block:72px}}

/* hero */
.hero{padding-block:56px 96px}
.hero-copy{flex:1 1 440px;gap:28px}
.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:24px}
.hero-actions .link{font-size:18px;font-weight:600;text-underline-offset:5px}
.hero-visual{flex:1 1 460px;position:relative}
.ribbon{position:absolute;top:-24px;right:40px;width:34px;height:150px;background:var(--ribbon);clip-path:polygon(0 0,100% 0,100% 100%,50% 82%,0 100%);z-index:2}
.inbox{position:relative;z-index:1;background:var(--surface);border:1.5px solid var(--rule);border-radius:20px;overflow:hidden}
.inbox-head{display:flex;flex-wrap:wrap;align-items:center;gap:12px;padding:18px 24px;border-bottom:1.5px solid var(--rule);background:var(--surface-2);font-size:14px;font-weight:600}
.file-chip{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--rule);border-radius:8px;padding:6px 10px;background:var(--surface)}
.row{display:flex;gap:16px;padding:20px 24px;border-bottom:1px solid var(--line);align-items:flex-start}
.row:last-child{border-bottom:0}
.day{flex:0 0 auto;font-size:13px;font-weight:700;background:var(--ink);color:var(--paper);border-radius:6px;padding:4px 8px}
.row-text{display:flex;flex-direction:column;gap:6px;min-width:0}
.subject{font-size:17px;font-weight:700}
.preview{font-family:var(--serif);font-size:17px;line-height:1.45;color:var(--muted)}
.row-locked{background:var(--ribbon-soft);align-items:center}
.row-locked .day{background:var(--ribbon);color:var(--on-ribbon)}
.locked-text{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;flex:1 1 auto;font-size:16px;font-weight:600}
.locked-text strong{font-weight:800}
.caption{margin:12px 0 0;font-size:14px;color:var(--muted)}

/* statement */
.statement{background:var(--band);color:var(--band-text)}
.statement .split{flex-direction:column;align-items:flex-start;gap:28px}
.statement .big{max-width:22ch;margin:0;font-family:var(--serif);font-size:clamp(34px,4.4vw,58px);line-height:1.12;letter-spacing:-.01em}
.statement .aside{max-width:34em;margin:0;font-size:20px;line-height:1.55;color:var(--band-muted)}

/* steps */
.steps{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));border-top:1.5px solid var(--rule)}
.steps li{padding:28px 28px 8px 0;display:flex;flex-direction:column;gap:14px}
.step-n{font-size:44px;font-weight:800;line-height:1}
.step-t{font-size:22px;font-weight:700}
.step-d{font-size:18px;line-height:1.6;color:var(--muted)}

/* calculator */
.calc{flex:1 1 480px;border:1.5px solid var(--rule);border-radius:20px;background:var(--surface);padding:32px;display:flex;flex-direction:column;gap:28px}
.group{display:flex;flex-direction:column;gap:12px}
.group-label{font-size:16px;font-weight:600}
.pills{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
@media (max-width:600px){.calc{padding:24px 20px}.pills{grid-template-columns:repeat(3,1fr)}}
.pill{min-height:52px;min-width:64px;padding:0 12px;border-radius:999px;border:1.5px solid var(--rule);background:var(--surface);color:var(--ink);font:inherit;font-size:17px;font-weight:600;cursor:pointer}
.pill[aria-pressed="true"]{background:var(--ink);color:var(--paper);border-color:var(--ink);font-weight:700}
.result{border-top:1.5px solid var(--rule);padding-top:24px;display:flex;flex-direction:column;gap:6px}
.result .label,.result .detail{font-size:16px;color:var(--muted)}
.result .amount{font-size:clamp(48px,6vw,72px);font-weight:800;letter-spacing:-.03em;line-height:1}

/* faq */
.faq{max-width:860px}
.faq-list{border-top:1.5px solid var(--rule)}
details{border-bottom:1.5px solid var(--rule);padding:24px 0}
summary{cursor:pointer;list-style:none;font-size:20px;font-weight:700;min-height:44px;display:flex;align-items:center;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:28px;font-weight:500;line-height:1}
details[open] summary::after{content:"\2212"}
details p{margin:12px 0 0;font-size:18px;line-height:1.6;color:var(--muted)}

/* final cta */
.cta{background:var(--band);color:var(--band-text);border-radius:28px;padding:clamp(40px,6vw,80px);display:flex;flex-wrap:wrap;gap:48px;align-items:center}
.cta > *{flex:1 1 380px;min-width:0}
.cta h2{font-size:clamp(36px,4.6vw,60px);line-height:1.02;max-width:12ch}
.cta .body{color:var(--band-muted)}
.upload{border:2px dashed var(--ribbon);border-radius:20px;padding:40px 32px;display:flex;flex-direction:column;gap:24px}
@media (max-width:600px){.cta{padding:36px 20px}.upload{padding:28px 20px}.upload .btn{align-self:stretch}}
.upload-t{margin:0;font-size:15px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--ribbon)}
.notes{margin:0;padding:0;list-style:none;counter-reset:note;display:flex;flex-direction:column;gap:18px}
.notes li{counter-increment:note;display:grid;grid-template-columns:32px 1fr;gap:12px;font-size:18px;line-height:1.5;color:var(--band-muted)}
.notes li::before{content:counter(note);width:32px;height:32px;border-radius:50%;background:var(--ribbon);color:var(--on-ribbon);font-weight:800;font-size:16px;display:flex;align-items:center;justify-content:center}
.notes strong{color:var(--band-text)}
.notes a,.upload-note a{color:var(--band-text);text-underline-offset:3px}
.upload .btn{align-self:flex-start}
.upload-note{margin:0;font-size:15px;line-height:1.5;color:var(--band-muted)}

/* simple pages (privacy, 404) */
.page{max-width:720px;padding-block:56px 112px;display:flex;flex-direction:column;gap:20px}
.page h1{font-size:clamp(40px,5vw,60px);max-width:none}
.page h2{font-size:24px;letter-spacing:-.01em;margin-top:20px}
.page p,.page li{margin:0;font-size:18px;line-height:1.6;color:var(--muted)}
.page ul{margin:0;padding-left:22px;display:flex;flex-direction:column;gap:8px}
.page .btn{align-self:flex-start}

footer{border-top:1.5px solid var(--rule)}
.foot{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;padding-block:32px;font-size:15px;color:var(--muted)}
.foot .brand{font-size:18px}
.foot div{display:flex;flex-wrap:wrap;gap:24px}