/* ── KOVA SEO · Norway Mortgage · v1.0 ── */
:root {
  --navy:    #1A2B4A;
  --teal:    #0F7B6C;
  --teal-lt: #E6F4F1;
  --amber:   #D97706;
  --gray-1:  #F8FAFC;
  --gray-2:  #E2E8F0;
  --gray-3:  #94A3B8;
  --dark:    #0F172A;
  --white:   #FFFFFF;
  --radius:  10px;
  --shadow:  0 4px 24px rgba(0,0,0,.08);
  --font:    'Inter', system-ui, sans-serif;
  --max-w:   1100px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--dark); background: var(--white); line-height: 1.7; font-size: 16px; }
img { max-width: 100%; }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ── Layout ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }

/* ── Header ── */
header { background: var(--navy); padding: 0; position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 12px rgba(0,0,0,.2); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { color: var(--white); font-size: 20px; font-weight: 700; letter-spacing: -.5px; }
.logo span { color: #5EEAD4; }
nav a { color: rgba(255,255,255,.8); font-size: 14px; margin-left: 28px; transition: color .15s; }
nav a:hover { color: var(--white); text-decoration: none; }
nav a.active { color: #5EEAD4; font-weight: 600; }

/* ── Hero ── */
.hero { background: linear-gradient(135deg, var(--navy) 0%, #1E3A5F 100%); padding: 80px 0 72px; color: var(--white); }
.hero-badge { display: inline-block; background: rgba(94,234,212,.15); color: #5EEAD4; border: 1px solid rgba(94,234,212,.3); padding: 4px 14px; border-radius: 20px; font-size: 13px; font-weight: 500; margin-bottom: 20px; }
.hero h1 { font-size: clamp(28px,4vw,48px); font-weight: 800; line-height: 1.2; max-width: 680px; margin-bottom: 20px; }
.hero h1 em { color: #5EEAD4; font-style: normal; }
.hero-desc { font-size: 18px; color: rgba(255,255,255,.75); max-width: 560px; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary { background: var(--teal); color: var(--white); padding: 14px 28px; border-radius: var(--radius); font-weight: 700; font-size: 15px; display: inline-block; transition: background .15s; border: none; cursor: pointer; }
.btn-primary:hover { background: #0a6557; text-decoration: none; }
.btn-outline { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,.4); padding: 14px 28px; border-radius: var(--radius); font-weight: 600; font-size: 15px; display: inline-block; transition: all .15s; }
.btn-outline:hover { border-color: var(--white); text-decoration: none; }

/* ── Stats strip ── */
.stats { background: var(--teal-lt); padding: 36px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px,1fr)); gap: 24px; }
.stat { text-align: center; }
.stat-val { font-size: 32px; font-weight: 800; color: var(--navy); }
.stat-label { font-size: 13px; color: var(--gray-3); margin-top: 4px; }

/* ── Sections ── */
section { padding: 72px 0; }
section.alt { background: var(--gray-1); }
.section-tag { display: inline-block; background: var(--teal-lt); color: var(--teal); font-size: 12px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 4px 12px; border-radius: 20px; margin-bottom: 14px; }
.section-title { font-size: clamp(22px,3vw,36px); font-weight: 800; color: var(--navy); margin-bottom: 14px; }
.section-sub { font-size: 17px; color: var(--gray-3); max-width: 560px; }

/* ── Mortgage basics ── */
.mortgage-basics-layout { display: grid; grid-template-columns: minmax(0, 55fr) minmax(0, 45fr); gap: 72px; align-items: start; }
.mortgage-facts-card { background: linear-gradient(135deg, #062a54 0%, #0a3a68 100%); color: var(--white); border: 1px solid rgba(45,212,191,.32); border-radius: 18px; padding: 28px; box-shadow: 0 14px 34px rgba(6,42,84,.18); }
.mortgage-facts-card h3 { color: var(--white); font-size: 22px; font-weight: 800; line-height: 1.3; margin-bottom: 5px; }
.mortgage-facts-subtitle { color: rgba(255,255,255,.68); font-size: 13px; line-height: 1.5; margin-bottom: 20px; }
.mortgage-facts-list { display: grid; gap: 9px; margin: 0; }
.mortgage-fact { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 12px 14px; background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.14); border-radius: 9px; }
.mortgage-fact dt { color: rgba(255,255,255,.76); font-size: 14px; font-weight: 500; }
.mortgage-fact dd { color: var(--white); font-size: 14px; font-weight: 800; text-align: right; }
.mortgage-fact dd.mortgage-fact-highlight { color: #5EEAD4; }
.mortgage-facts-cta { display: block; margin-top: 22px; padding: 14px 20px; border: 1px solid rgba(255,255,255,.18); border-radius: var(--radius); background: #2DD4BF; color: #062a54; box-shadow: 0 8px 18px rgba(0,0,0,.16); font-size: 15px; font-weight: 800; text-align: center; transition: background .15s, transform .15s, box-shadow .15s; }
.mortgage-facts-cta:hover { background: #5EEAD4; color: #062a54; box-shadow: 0 10px 22px rgba(0,0,0,.2); text-decoration: none; transform: translateY(-2px); }
.mortgage-facts-cta:focus-visible { outline: 3px solid var(--white); outline-offset: 3px; }

/* ── Cards ── */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px,1fr)); gap: 24px; margin-top: 40px; }
.card { background: var(--white); border: 1px solid var(--gray-2); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); transition: transform .15s, box-shadow .15s; }
.card:hover { transform: translateY(-3px); box-shadow: 0 8px 32px rgba(0,0,0,.12); }
.card-icon { font-size: 32px; margin-bottom: 14px; }
.card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.card p { font-size: 15px; color: #475569; }
.card a { display: inline-block; margin-top: 14px; font-size: 14px; font-weight: 600; color: var(--teal); }

/* ── Table ── */
.table-wrap { overflow-x: auto; margin-top: 32px; border-radius: var(--radius); box-shadow: var(--shadow); }
table { width: 100%; border-collapse: collapse; background: var(--white); }
th { background: var(--navy); color: var(--white); padding: 14px 18px; text-align: left; font-size: 14px; }
td { padding: 14px 18px; border-bottom: 1px solid var(--gray-2); font-size: 15px; }
tr:last-child td { border-bottom: none; }
tr:nth-child(even) td { background: var(--gray-1); }

/* ── Calculator ── */
.calc-box { background: var(--white); border: 1px solid var(--gray-2); border-radius: 14px; padding: 36px; box-shadow: var(--shadow); max-width: 540px; }
.calc-box label { display: block; font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 6px; margin-top: 20px; }
.calc-box label:first-of-type { margin-top: 0; }
.calc-box input[type=range] { width: 100%; accent-color: var(--teal); }
.calc-box input[type=number] { width: 100%; padding: 10px 14px; border: 1.5px solid var(--gray-2); border-radius: var(--radius); font-size: 15px; margin-top: 4px; }
.calc-box input:focus { outline: none; border-color: var(--teal); }
.calc-result { margin-top: 24px; background: var(--teal-lt); border-radius: var(--radius); padding: 20px; }
.calc-result .label { font-size: 13px; color: var(--gray-3); }
.calc-result .value { font-size: 32px; font-weight: 800; color: var(--navy); }
.calc-result .note { font-size: 12px; color: var(--gray-3); margin-top: 6px; }

/* ── CTA Section ── */
.cta-section { background: linear-gradient(135deg, var(--navy), #1E3A5F); color: var(--white); padding: 72px 0; text-align: center; }
.cta-section h2 { font-size: clamp(24px,3vw,38px); font-weight: 800; margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,.75); font-size: 17px; max-width: 480px; margin: 0 auto 32px; }

/* ── YMYL Disclaimer ── */
.disclaimer { background: #FFF8E7; border: 1px solid #FDE68A; border-radius: var(--radius); padding: 16px 20px; font-size: 13px; color: #78350F; margin: 32px 0; }
.disclaimer strong { color: #92400E; }

/* ── FAQ ── */
.faq { margin-top: 40px; display: flex; flex-direction: column; gap: 12px; }
.faq-item { border: 1px solid var(--gray-2); border-radius: var(--radius); }
.faq-q { padding: 18px 20px; font-weight: 600; cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-size: 15px; }
.faq-q::after { content: '+'; font-size: 20px; color: var(--teal); transition: transform .2s; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 20px 18px; font-size: 15px; color: #475569; }
.faq-item.open .faq-a { display: block; }

/* ── Breadcrumb ── */
.breadcrumb { font-size: 13px; color: var(--gray-3); padding: 14px 0; }
.breadcrumb a { color: var(--gray-3); }
.breadcrumb span { margin: 0 6px; }

/* ── Footer ── */
footer { background: var(--navy); color: rgba(255,255,255,.6); padding: 48px 0 24px; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px,1fr)); gap: 32px; margin-bottom: 40px; }
.footer-col h4 { color: var(--white); font-size: 14px; font-weight: 700; margin-bottom: 14px; }
.footer-col a { display: block; font-size: 13px; color: rgba(255,255,255,.55); margin-bottom: 8px; transition: color .15s; }
.footer-col a:hover { color: var(--white); text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding-top: 20px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; font-size: 12px; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,.45); font-size: 12px; }

/* ── Responsive ── */
@media (max-width: 800px) {
  .mortgage-basics-layout { grid-template-columns: 1fr; gap: 32px; }
  .mortgage-facts-card { width: 100%; }
}

@media (max-width: 640px) {
  nav { display: none; }
  .hero { padding: 52px 0 48px; }
  .calc-box { padding: 24px; }
  .hero-actions { flex-direction: column; }
  .btn-primary, .btn-outline { width: 100%; text-align: center; }
  .mortgage-facts-card { padding: 22px; }
  .mortgage-fact { align-items: flex-start; padding: 11px 12px; }
}