/* ═══════════════════════════════════════════════════════════════
   Norrsken Kredit — Style principal
   Palette : Primary #0F2A43 (navy nordique) | Secondary #22C7A9 (aurore teal)
   Accent  : #8B7FE8 (aurore violet)
   ═══════════════════════════════════════════════════════════════ */

:root {
  --primary:    #0F2A43;
  --primary-d:  #081b2d;
  --secondary:  #22C7A9;
  --secondary-d:#1aa88e;
  --accent:     #8B7FE8;
  --light:      #F2F7F8;
  --dark:       #071522;
  --muted:      #64748b;
  --border:     #e2e8f0;
  --success:    #22c55e;
  --danger:     #ef4444;
  --warning:    #f59e0b;
  --info:       #3b82f6;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow:     0 4px 20px rgba(15,42,67,.12);
  --shadow-lg:  0 12px 40px rgba(15,42,67,.18);
  --transition: .25s ease;
  --font:       'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  font-size: 1rem;
  color: #1e293b;
  background: #fff;
  line-height: 1.65;
}
a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--secondary); }
img { max-width: 100%; height: auto; }

/* ── Utilities ──────────────────────────────────────────────── */
.section-pad       { padding: 5rem 0; }
.section-pad.pb-0  { padding-bottom: 0; }
.text-primary-custom { color: var(--primary) !important; }
.text-secondary-custom { color: var(--secondary) !important; }
.bg-light-custom   { background: var(--light) !important; }

.section-label {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--secondary-d);
  background: rgba(34,199,169,.12);
  padding: .35rem .9rem;
  border-radius: 50px;
  margin-bottom: .75rem;
}

.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--primary);
  line-height: 1.25;
  margin-bottom: 1rem;
}
.section-title span { color: var(--secondary-d); }

/* ── Buttons ────────────────────────────────────────────────── */
.btn-primary-custom {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: var(--secondary);
  color: #fff;
  border: none;
  padding: .75rem 1.75rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .95rem;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  cursor: pointer;
}
.btn-primary-custom:hover {
  background: var(--secondary-d);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(34,199,169,.35);
}
.btn-outline-custom {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
  padding: .7rem 1.6rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .95rem;
  transition: all var(--transition);
  cursor: pointer;
}
.btn-outline-custom:hover {
  background: var(--primary);
  color: #fff;
}

/* ── Topbar ─────────────────────────────────────────────────── */
.topbar {
  background: var(--dark);
  color: rgba(255,255,255,.7);
  font-size: .82rem;
  padding: .5rem 0;
}
.topbar-link {
  color: rgba(255,255,255,.75);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  transition: color var(--transition);
}
.topbar-link:hover { color: var(--secondary); }
.topbar-sep { color: rgba(255,255,255,.25); }

.lang-switcher {
  display: flex;
  align-items: center;
  gap: .2rem;
  background: rgba(255,255,255,.08);
  border-radius: 50px;
  padding: .2rem .4rem;
}
.lang-switcher a {
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  color: rgba(255,255,255,.65);
  font-size: .78rem;
  font-weight: 700;
  padding: .2rem .5rem;
  border-radius: 50px;
  transition: all var(--transition);
}
.lang-switcher a .flag { font-size: .95rem; }
.lang-switcher a:hover,
.lang-switcher a.lang-active {
  color: #fff;
  background: rgba(255,255,255,.15);
}

/* ── Navbar ─────────────────────────────────────────────────── */
#mainNav {
  background: var(--primary);
  padding: .85rem 0;
  box-shadow: 0 2px 12px rgba(0,0,0,.18);
  transition: padding var(--transition), box-shadow var(--transition);
}
#mainNav.scrolled {
  padding: .5rem 0;
  box-shadow: 0 4px 20px rgba(0,0,0,.25);
}
.brand-norrsken { color: #fff; font-size: 1.5rem; font-weight: 900; letter-spacing: -.5px; }
.brand-kredit   { color: var(--secondary); font-size: 1.5rem; font-weight: 900; letter-spacing: -.5px; }

#mainNav .nav-link {
  color: rgba(255,255,255,.85) !important;
  font-weight: 500;
  font-size: .9rem;
  padding: .5rem .75rem !important;
  border-radius: 6px;
  transition: all var(--transition);
}
#mainNav .nav-link:hover,
#mainNav .nav-link.active { color: #fff !important; background: rgba(255,255,255,.1); }

.btn-nav-cta {
  background: var(--secondary);
  color: #fff !important;
  border-radius: 50px;
  padding: .55rem 1.4rem !important;
  font-weight: 700 !important;
  font-size: .88rem !important;
  transition: all var(--transition) !important;
}
.btn-nav-cta:hover {
  background: var(--secondary-d) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 15px rgba(34,199,169,.4);
}

/* ── Hero ───────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, #163b5c 45%, var(--dark) 100%);
  color: #fff;
  padding: 5rem 0 3rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -15%;
  width: 650px;
  height: 650px;
  background: radial-gradient(circle, rgba(34,199,169,.22) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(139,127,232,.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero-label {
  display: inline-block;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--secondary);
  background: rgba(34,199,169,.15);
  border: 1px solid rgba(34,199,169,.3);
  padding: .35rem 1rem;
  border-radius: 50px;
  margin-bottom: 1.25rem;
}
.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 900;
  line-height: 1.15;
  margin-bottom: 1.25rem;
}
.hero .lead {
  font-size: 1.1rem;
  color: rgba(255,255,255,.82);
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2rem; }
.btn-hero-primary {
  background: var(--secondary);
  color: #fff;
  padding: .85rem 2rem;
  border-radius: 50px;
  font-weight: 700;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  transition: all var(--transition);
  border: 2px solid transparent;
}
.btn-hero-primary:hover {
  background: var(--secondary-d);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(34,199,169,.4);
}
.btn-hero-outline {
  background: transparent;
  color: rgba(255,255,255,.85);
  padding: .85rem 2rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  border: 2px solid rgba(255,255,255,.35);
  transition: all var(--transition);
}
.btn-hero-outline:hover {
  border-color: rgba(255,255,255,.7);
  color: #fff;
  background: rgba(255,255,255,.08);
}

/* ── Hero photo card ────────────────────────────────────────── */
.hero-photo-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,.35);
}
.hero-photo-wrap img { display: block; width: 100%; height: 420px; object-fit: cover; }
.hero-photo-wrap::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(15,42,67,0) 40%, rgba(7,21,34,.75) 100%);
}
.hero-float-card {
  position: absolute;
  bottom: 1.25rem; left: 1.25rem; right: 1.25rem;
  z-index: 2;
  background: rgba(255,255,255,.14);
  border: 1px solid rgba(255,255,255,.25);
  backdrop-filter: blur(16px);
  border-radius: var(--radius);
  padding: 1.1rem 1.3rem;
  color: #fff;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.hero-float-card .hfc-amount { font-size: 1.6rem; font-weight: 900; }
.hero-float-card .hfc-label  { font-size: .72rem; opacity: .75; text-transform: uppercase; letter-spacing: .06em; }
.hero-float-card .hfc-rate   { font-size: 1.1rem; font-weight: 800; color: var(--secondary); }

/* ── Rates bar ──────────────────────────────────────────────── */
.hero-rates-bar {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-rate-pill {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 50px;
  padding: .4rem 1rem;
  display: inline-flex;
  align-items: center;
  gap: .5rem;
}
.hero-rate-val { font-size: .9rem; font-weight: 800; color: var(--secondary); }
.hero-rate-lbl { font-size: .75rem; opacity: .7; }

/* ── Stats bar ──────────────────────────────────────────────── */
.stats-bar {
  background: var(--light);
  padding: 3rem 0;
}
.stat-item { padding: 1rem; }
.stat-value {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
  margin-bottom: .4rem;
}
.stat-label { font-size: .82rem; color: var(--muted); font-weight: 500; }
@media (min-width: 768px) {
  .stat-divider { border-left: 1px solid var(--border); }
}

/* ── Drei Länder ────────────────────────────────────────────── */
.drei-laender-section {
  background: var(--light);
  padding: 5rem 0;
}
.country-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow);
  border-top: 5px solid var(--border);
  height: 100%;
  transition: transform var(--transition), box-shadow var(--transition);
}
.country-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.country-at { border-top-color: #ED2939; }
.country-de { border-top-color: #000; }
.country-ch { border-top-color: #FF0000; }

.country-flag { font-size: 2.25rem; margin-bottom: .6rem; }
.country-card h3 { font-size: 1.2rem; font-weight: 800; color: var(--primary); margin-bottom: .3rem; }
.country-card .country-sub { font-size: .78rem; color: var(--muted); margin-bottom: 1.1rem; }
.country-features {
  list-style: none;
  padding: 0;
  margin-bottom: 1.25rem;
}
.country-features li {
  display: flex;
  align-items: flex-start;
  gap: .5rem;
  font-size: .84rem;
  padding: .3rem 0;
  border-bottom: 1px solid var(--border);
}
.country-features li:last-child { border-bottom: none; }
.country-features li i { color: var(--success); margin-top: .15rem; flex-shrink: 0; }
.country-contact {
  background: var(--light);
  border-radius: var(--radius);
  padding: .8rem .9rem;
  margin-bottom: 1.1rem;
  font-size: .8rem;
}
.country-contact .country-phone,
.country-contact .country-email {
  display: flex;
  align-items: center;
  gap: .5rem;
  margin-bottom: .3rem;
  font-weight: 600;
}
.country-contact .country-email { margin-bottom: 0; }
.country-btn {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .6rem 1.4rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .84rem;
  transition: all var(--transition);
  border: 2px solid var(--primary);
  color: var(--primary);
  width: 100%;
  justify-content: center;
}
.country-btn:hover {
  background: var(--primary);
  color: #fff;
}

.drei-trust-bar {
  margin-top: 4rem;
  padding: 2rem;
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}
.drei-trust-bar .row { display: flex; justify-content: center; }
.dtb-item { text-align: center; padding: 1rem; }
.dtb-item i { font-size: 1.6rem; color: var(--primary); margin-bottom: .5rem; display: block; }
.dtb-item span { font-size: .82rem; font-weight: 600; color: #475569; }

/* ── Service cards ──────────────────────────────────────────── */
.service-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  height: 100%;
  border: 1px solid var(--border);
}
.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-icon {
  width: 56px; height: 56px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  background: rgba(15,42,67,.08);
  color: var(--primary);
}
.service-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: .5rem; color: var(--primary); }
.service-card p  { font-size: .88rem; color: var(--muted); line-height: 1.6; }
.service-card .service-link {
  font-size: .85rem;
  font-weight: 600;
  color: var(--secondary-d);
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  margin-top: 1rem;
}
.service-card .service-link:hover { gap: .6rem; }

/* ── Page Hero ──────────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--primary), #163b5c);
  color: #fff;
  padding: 3.5rem 0;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 85% 20%, rgba(34,199,169,.15) 0%, transparent 55%);
  pointer-events: none;
}
.page-hero h1    { font-size: clamp(1.75rem, 3.5vw, 2.5rem); font-weight: 900; margin-bottom: .5rem; }
.page-hero p     { font-size: 1rem; opacity: .8; margin-bottom: 0; }
.breadcrumb-custom { font-size: .82rem; opacity: .7; margin-bottom: .75rem; }
.breadcrumb-custom a { color: rgba(255,255,255,.75); }
.breadcrumb-custom .sep { margin: 0 .4rem; }

/* ── Forms ──────────────────────────────────────────────────── */
.form-control, .form-select {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: .7rem 1rem;
  font-size: .9rem;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-control:focus, .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(15,42,67,.12);
}
.form-check-input:checked { background-color: var(--secondary); border-color: var(--secondary); }
.form-label { font-size: .88rem; font-weight: 600; margin-bottom: .4rem; color: #374151; }

/* ── Contact cards ──────────────────────────────────────────── */
.contact-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.contact-office-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  height: 100%;
  transition: transform var(--transition);
}
.contact-office-card:hover { transform: translateY(-3px); }
.contact-office-header {
  display: flex;
  align-items: center;
  gap: .75rem;
  margin-bottom: 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border);
}
.contact-office-header .flag { font-size: 1.8rem; }
.contact-office-header h3   { font-size: 1.05rem; font-weight: 700; color: var(--primary); margin: 0; }
.contact-office-header p    { font-size: .8rem; color: var(--muted); margin: 0; }
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  margin-bottom: .9rem;
  font-size: .9rem;
}
.contact-info-item i { font-size: 1rem; color: var(--secondary-d); margin-top: .1rem; flex-shrink: 0; }

/* ── Warning box ────────────────────────────────────────────── */
.warning-box {
  background: #fffbeb;
  border: 1px solid #f59e0b;
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: .83rem;
  color: #78350f;
  line-height: 1.6;
}

/* ── Testimonials ───────────────────────────────────────────── */
.testimonial-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  height: 100%;
}
.testimonial-stars { color: #f59e0b; font-size: .9rem; margin-bottom: .75rem; }
.testimonial-text  { font-size: .92rem; line-height: 1.7; color: #374151; font-style: italic; margin-bottom: 1rem; }
.testimonial-author { display: flex; align-items: center; gap: .75rem; }
.testimonial-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: .9rem;
  flex-shrink: 0;
}
.testimonial-name { font-size: .88rem; font-weight: 700; color: var(--primary); }
.testimonial-loc  { font-size: .75rem; color: var(--muted); }

/* ── Team / About ───────────────────────────────────────────── */
.about-photo-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-photo-wrap img { display: block; width: 100%; height: 100%; object-fit: cover; }
.value-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  height: 100%;
}
.value-card i { font-size: 1.6rem; color: var(--secondary-d); margin-bottom: .8rem; display: block; }
.value-card h3 { font-size: 1rem; font-weight: 700; color: var(--primary); margin-bottom: .5rem; }
.value-card p { font-size: .86rem; color: var(--muted); }

/* ── Process steps ──────────────────────────────────────────── */
.process-step-icon {
  width: 64px; height: 64px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  box-shadow: 0 6px 20px rgba(15,42,67,.3);
}
.process-step-icon i { font-size: 1.5rem; color: #fff; }

/* ── Alert auto-hide ────────────────────────────────────────── */
.alert-auto-hide { animation: fadeOut 0.5s 4.5s forwards; }
@keyframes fadeOut { to { opacity: 0; pointer-events: none; } }

/* ── Product detail page ────────────────────────────────────── */
.product-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: rgba(34,199,169,.15);
  color: var(--secondary);
  border: 1px solid rgba(34,199,169,.3);
  border-radius: 50px;
  padding: .3rem .9rem;
  font-size: .78rem;
  font-weight: 700;
  margin-bottom: .8rem;
}
.product-features-box {
  background: var(--light);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  border: 1px solid var(--border);
}
.product-features-box li { padding: .4rem 0; font-size: .9rem; }
.sticky-sidebar {
  position: sticky;
  top: 90px;
}

/* ── FAQ ────────────────────────────────────────────────────── */
.accordion-button:not(.collapsed) {
  background: rgba(15,42,67,.06);
  color: var(--primary);
  font-weight: 700;
}
.accordion-button:focus { box-shadow: 0 0 0 3px rgba(15,42,67,.12); }
.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius) !important;
  margin-bottom: .5rem;
  overflow: hidden;
}

/* ── Footer ─────────────────────────────────────────────────── */
.site-footer {
  background: var(--dark);
  color: rgba(255,255,255,.7);
  padding: 4.5rem 0 2.5rem;
}
.footer-brand { font-size: 1.5rem; font-weight: 900; margin-bottom: 1rem; }
.footer-desc  { font-size: .88rem; line-height: 1.7; max-width: 360px; margin-bottom: 1.5rem; color: rgba(255,255,255,.6); }
.footer-social { display: flex; gap: .75rem; }
.footer-social a {
  width: 38px; height: 38px;
  border-radius: 8px;
  background: rgba(255,255,255,.08);
  color: rgba(255,255,255,.7);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition: all var(--transition);
}
.footer-social a:hover { background: var(--secondary); color: #071522; }
.footer-heading { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.4); margin-bottom: 1rem; }
.footer-links   { list-style: none; padding: 0; }
.footer-links li { margin-bottom: .5rem; }
.footer-links a  { color: rgba(255,255,255,.65); font-size: .88rem; transition: color var(--transition); }
.footer-links a:hover { color: var(--secondary); }
.footer-office-block { font-size: .85rem; color: rgba(255,255,255,.65); }
.footer-office-label { font-weight: 700; color: rgba(255,255,255,.9); margin-bottom: .4rem; font-size: .82rem; }
.footer-office-block a { color: rgba(255,255,255,.65); }
.footer-office-block a:hover { color: var(--secondary); }
.footer-hr   { border-color: rgba(255,255,255,.1); margin: 2.5rem 0 1.5rem; }
.footer-legal { font-size: .8rem; color: rgba(255,255,255,.4); }
.footer-legal a { color: rgba(255,255,255,.5); }
.footer-legal a:hover { color: var(--secondary); }
.footer-disclaimer {
  font-size: .76rem;
  color: rgba(255,255,255,.3);
  border-top: 1px solid rgba(255,255,255,.07);
  padding-top: 1rem;
}

/* ── Back to top ────────────────────────────────────────────── */
.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  box-shadow: 0 4px 14px rgba(15,42,67,.35);
  cursor: pointer;
  opacity: 0;
  transform: translateY(10px);
  transition: opacity var(--transition), transform var(--transition);
  z-index: 999;
}
.back-to-top.visible { opacity: 1; transform: translateY(0); }
.back-to-top:hover   { background: var(--secondary); }

/* ── Responsive ─────────────────────────────────────────────── */
@media (max-width: 991px) {
  .hero { padding: 3.5rem 0 2.5rem; }
  .hero-photo-wrap img { height: 320px; }
}
@media (max-width: 767px) {
  .section-pad { padding: 3rem 0; }
  .topbar { font-size: .75rem; }
}