:root{--mhb-orange:#f35a24;--mhb-orange-dark:#d6481a;--betryggande-blue:#006aa7;--betryggande-blue-dark:#00507d;--ink:#2b2b2b;--ink-soft:#5a5a5a;--bg-soft:#f6f7f8;--border:#e4e6e8;--error:#d73333;--ok:#1c8a4b;--radius:10px;--max-width:1120px;--shadow:0 10px 30px #141e2814}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:#fff;margin:0;font-family:Segoe UI,Helvetica Neue,Arial,sans-serif;line-height:1.55}img{max-width:100%;display:block}a{color:var(--betryggande-blue)}.container{max-width:var(--max-width);margin:0 auto;padding:0 24px}.eyebrow{text-transform:uppercase;letter-spacing:.08em;color:var(--betryggande-blue);font-size:13px;font-weight:700}h1,h2,h3{margin:0 0 16px;line-height:1.2}h2{font-size:clamp(26px,3.5vw,34px)}h3{font-size:20px}p{color:var(--ink-soft);margin:0 0 14px}section{padding:64px 0}.section-alt{background:var(--bg-soft)}.btn{cursor:pointer;border:none;border-radius:999px;justify-content:center;align-items:center;gap:8px;padding:14px 28px;font-size:16px;font-weight:700;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s;display:inline-flex}.btn-primary{background:var(--mhb-orange);color:#fff}.btn-primary:hover{background:var(--mhb-orange-dark);transform:translateY(-1px)}.btn-secondary{color:var(--betryggande-blue);border:2px solid var(--betryggande-blue);background:#fff}.btn-secondary:hover{background:var(--betryggande-blue);color:#fff}.btn-on-dark{color:#fff;background:0 0;border:2px solid #fff}.btn-on-dark:hover{color:var(--betryggande-blue);background:#fff}.site-header{border-bottom:1px solid var(--border);z-index:50;background:#fff;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:20px;padding:14px 0;display:flex}.header-brands{align-items:center;gap:18px;display:flex}.mhb-logo{width:auto;height:46px}.brand-divider{background:var(--border);width:1px;height:32px}.partner-tag{color:var(--ink-soft);align-items:center;gap:10px;font-size:12px;display:flex}.betryggande-logo{width:auto;height:26px}.header-phone{color:var(--betryggande-blue);white-space:nowrap;font-size:15px;font-weight:700;text-decoration:none}.header-phone span{color:var(--ink-soft);font-size:11px;font-weight:400;display:block}.hero{color:#fff;background-image:linear-gradient(120deg,#14181ed1 10%,#14181e73 65%),url(/assets/hero-bg.webp);background-position:50%;background-size:cover;padding:100px 0 90px;position:relative}.hero-content{max-width:620px}.hero .eyebrow{color:#ffd8c4}.hero h1{margin-bottom:18px;font-size:clamp(32px,5vw,46px)}.hero p.lead{color:#f1f1f1;margin-bottom:30px;font-size:18px}.hero-actions{flex-wrap:wrap;gap:14px;display:flex}.trust-strip{border-bottom:1px solid var(--border);padding:26px 0}.trust-strip .container{flex-wrap:wrap;justify-content:center;align-items:center;gap:40px;display:flex}.trust-item{color:var(--ink-soft);align-items:center;gap:10px;font-size:14px;font-weight:600;display:flex}.trust-item img{width:auto;height:42px}.trust-item .dark-chip{background:#1c2126;border-radius:8px;align-items:center;padding:8px 14px;display:flex}.trust-item .dark-chip img{height:26px}.grid-2{grid-template-columns:1.1fr .9fr;align-items:start;gap:48px;display:grid}@media (max-width:860px){.grid-2{grid-template-columns:1fr}}.check-list{margin:0;padding:0;list-style:none}.check-list li{color:var(--ink);gap:12px;margin-bottom:14px;display:flex}.check-list li:before{content:"✓";width:26px;height:26px;color:var(--betryggande-blue);background:#006aa71a;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:13px;font-weight:700;display:flex}.info-card{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;padding:26px}.info-card h3{color:var(--betryggande-blue)}.steps{grid-template-columns:repeat(3,1fr);gap:24px;display:grid}@media (max-width:760px){.steps{grid-template-columns:1fr}}.step{border:1px solid var(--border);border-radius:var(--radius);background:#fff;padding:26px;position:relative}.step-number{background:var(--mhb-orange);color:#fff;border-radius:50%;justify-content:center;align-items:center;width:38px;height:38px;margin-bottom:16px;font-weight:700;display:flex}.price-cards{grid-template-columns:repeat(2,1fr);align-items:start;gap:24px;display:grid}@media (max-width:760px){.price-cards{grid-template-columns:1fr}}.price-card{border:1px solid var(--border);border-radius:var(--radius);background:#fff;overflow:hidden}.price-card.featured{border-color:var(--betryggande-blue);box-shadow:var(--shadow)}.price-head{background:var(--bg-soft);border-bottom:1px solid var(--border);justify-content:space-between;align-items:center;padding:20px 24px;display:flex}.price-head h3{margin:0}.badge{text-transform:uppercase;letter-spacing:.04em;background:var(--betryggande-blue);color:#fff;border-radius:999px;padding:4px 10px;font-size:11px;font-weight:700}.price-table{border-collapse:collapse;width:100%}.price-table td{border-bottom:1px solid var(--border);padding:14px 24px;font-size:15px}.price-table tr:last-child td{border-bottom:none}.price-table td:last-child{text-align:right;color:var(--mhb-orange-dark);font-weight:700}.price-note{color:var(--ink-soft);background:var(--bg-soft);padding:16px 24px;font-size:13px}.price-compare{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;margin-top:24px}.price-compare summary{cursor:pointer;color:var(--betryggande-blue);justify-content:space-between;align-items:center;padding:18px 26px;font-size:16px;font-weight:700;list-style:none;display:flex}.price-compare summary::-webkit-details-marker{display:none}.price-compare summary:after{content:"↓";font-weight:400}.price-compare[open] summary:after{content:"↑"}.price-compare[open] summary{border-bottom:1px solid var(--border)}.price-compare .price-more-content{padding:22px 26px 26px}.price-more-content{padding:18px 24px 22px;font-size:14px}.price-more-content p{margin:0 0 12px}.price-more-content p:last-child{margin-bottom:0}.price-more-content .plain-list{margin:0 0 16px;padding-left:20px}.price-more-content .plain-list li{color:var(--ink);margin-bottom:8px}.price-more-content .plain-list li:last-child{margin-bottom:0}.price-more-content .source-note{color:var(--ink-soft);margin-bottom:16px;font-size:12px;font-style:italic}.price-more-content .footnote{color:var(--ink-soft);border-top:1px solid var(--border);margin-top:4px;padding-top:12px;font-size:12px}.price-more-content .fine-print{color:var(--ink-soft);font-size:12px;font-style:italic}.price-more-content .fine-print .scroll-link{color:var(--betryggande-blue);font-style:normal;font-weight:700;text-decoration:underline}.price-more-content .fine-print .scroll-link:hover{color:var(--mhb-orange-dark)}#dokument{scroll-margin-top:90px}.form-panel{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;padding:36px}@media (max-width:600px){.form-panel{padding:22px}}.form-cols{grid-template-columns:1fr 1fr;gap:36px;display:grid}@media (max-width:780px){.form-cols{grid-template-columns:1fr}}.form-cols h3{color:var(--betryggande-blue);border-bottom:2px solid var(--bg-soft);margin-bottom:18px;padding-bottom:10px}.field{margin-bottom:16px}.field label{color:var(--ink);margin-bottom:6px;font-size:13px;font-weight:700;display:block}.field input,.field select,.field textarea{border:1px solid var(--border);width:100%;color:var(--ink);background:#fff;border-radius:8px;padding:12px 14px;font-family:inherit;font-size:15px}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--betryggande-blue);outline:none;box-shadow:0 0 0 3px #006aa71f}.field.invalid input,.field.invalid select{border-color:var(--error);background:#fdf1f1}.field-error{color:var(--error);margin-top:4px;font-size:12px;display:none}.field.invalid .field-error{display:block}.field-row{grid-template-columns:1fr 1fr;gap:14px;display:grid}@media (max-width:500px){.field-row{grid-template-columns:1fr}}.premie-preview{background:var(--bg-soft);border:1px dashed var(--border);color:var(--ink-soft);border-radius:8px;margin:-4px 0 20px;padding:14px 18px;font-size:14px;font-weight:600;transition:background .15s,border-color .15s,color .15s}.premie-preview.active{border:1px solid var(--betryggande-blue);color:var(--ink);background:#006aa714}.premie-preview .amount{color:var(--mhb-orange-dark);font-size:18px;font-weight:700}.doc-cards{grid-template-columns:repeat(2,1fr);gap:24px;margin-top:28px;display:grid}@media (max-width:760px){.doc-cards{grid-template-columns:1fr}}.doc-card{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;padding:26px 28px}.doc-card h3{color:var(--betryggande-blue);border-bottom:2px solid var(--bg-soft);margin-bottom:16px;padding-bottom:10px;font-size:17px}.doc-card p{margin:0 0 10px;font-size:15px}.doc-card p:last-child{margin-bottom:0}.doc-card a{color:var(--ink);font-weight:600;text-decoration:none}.doc-card a:hover{color:var(--mhb-orange-dark);text-decoration:underline}.gdpr-link{color:var(--ink-soft);margin-top:16px;font-size:13px}.gdpr-link a{color:var(--betryggande-blue);font-weight:600;text-decoration:underline}.consent{color:var(--ink-soft);align-items:flex-start;gap:10px;margin:20px 0;font-size:13px;display:flex}.consent input{margin-top:3px}.form-footer{border-top:1px solid var(--border);flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;margin-top:8px;padding-top:24px;display:flex}.form-status{font-size:14px;font-weight:600}.form-status.ok{color:var(--ok)}.form-status.error{color:var(--error)}.honeypot{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.faq-item{border-bottom:1px solid var(--border);padding:18px 0}.faq-item summary{cursor:pointer;justify-content:space-between;align-items:center;font-weight:700;list-style:none;display:flex}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--mhb-orange);font-size:22px;font-weight:400}.faq-item[open] summary:after{content:"−"}.faq-item p{margin-top:12px}.site-footer{color:#cfd3d6;background:#1c2126;padding:50px 0 24px}.footer-grid{grid-template-columns:repeat(3,1fr);gap:32px;margin-bottom:32px;display:grid}@media (max-width:760px){.footer-grid{grid-template-columns:1fr}}.footer-grid h4{color:#fff;margin:0 0 14px;font-size:15px}.footer-grid p,.footer-grid a{color:#aab0b5;font-size:14px;text-decoration:none}.footer-grid a:hover{color:#fff}.footer-logo{width:auto;height:34px;margin-bottom:14px}.footer-bottom{color:#7d838a;border-top:1px solid #ffffff14;flex-wrap:wrap;justify-content:space-between;gap:10px;padding-top:20px;font-size:12px;display:flex}.cta-banner{background:var(--betryggande-blue);color:#fff;text-align:center;padding:44px 0}.cta-banner h2{color:#fff}.cta-banner p{color:#d9e9f2}