: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 rgba(20, 30, 40, 0.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: #fff;
  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: 0.08em;
  font-size: 13px;
  font-weight: 700;
  color: var(--betryggande-blue);
}

h1, h2, h3 { line-height: 1.2; margin: 0 0 16px; }
h2 { font-size: clamp(26px, 3.5vw, 34px); }
h3 { font-size: 20px; }
p { margin: 0 0 14px; color: var(--ink-soft); }

section { padding: 64px 0; }
.section-alt { background: var(--bg-soft); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 16px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn-primary {
  background: var(--mhb-orange);
  color: #fff;
}
.btn-primary:hover { background: var(--mhb-orange-dark); transform: translateY(-1px); }
.btn-secondary {
  background: #fff;
  color: var(--betryggande-blue);
  border: 2px solid var(--betryggande-blue);
}
.btn-secondary:hover { background: var(--betryggande-blue); color: #fff; }
.btn-on-dark {
  background: transparent;
  color: #fff;
  border: 2px solid #fff;
}
.btn-on-dark:hover { background: #fff; color: var(--betryggande-blue); }

/* Header */
.site-header {
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  background: #fff;
  z-index: 50;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 20px;
}
.header-brands {
  display: flex;
  align-items: center;
  gap: 18px;
}
.mhb-logo { height: 46px; width: auto; }
.brand-divider {
  width: 1px;
  height: 32px;
  background: var(--border);
}
.partner-tag {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  color: var(--ink-soft);
}
.betryggande-logo { height: 26px; width: auto; }
.header-phone {
  font-weight: 700;
  color: var(--betryggande-blue);
  text-decoration: none;
  font-size: 15px;
  white-space: nowrap;
}
.header-phone span { display: block; font-weight: 400; font-size: 11px; color: var(--ink-soft); }

/* Hero */
.hero {
  position: relative;
  color: #fff;
  padding: 100px 0 90px;
  background-size: cover;
  background-position: center;
  background-image:
    linear-gradient(120deg, rgba(20, 24, 30, 0.82) 10%, rgba(20, 24, 30, 0.45) 65%),
    url("assets/hero-bg.webp");
}
.hero-content { max-width: 620px; }
.hero .eyebrow { color: #ffd8c4; }
.hero h1 {
  font-size: clamp(32px, 5vw, 46px);
  margin-bottom: 18px;
}
.hero p.lead {
  font-size: 18px;
  color: #f1f1f1;
  margin-bottom: 30px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Trust strip */
.trust-strip {
  border-bottom: 1px solid var(--border);
  padding: 26px 0;
}
.trust-strip .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--ink-soft);
  font-weight: 600;
}
.trust-item img { height: 42px; width: auto; }
.trust-item .dark-chip {
  background: #1c2126;
  padding: 8px 14px;
  border-radius: 8px;
  display: flex;
  align-items: center;
}
.trust-item .dark-chip img { height: 26px; }

/* Two column intro */
.grid-2 {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: start;
}
@media (max-width: 860px) {
  .grid-2 { grid-template-columns: 1fr; }
}
.check-list { list-style: none; margin: 0; padding: 0; }
.check-list li {
  display: flex;
  gap: 12px;
  margin-bottom: 14px;
  color: var(--ink);
}
.check-list li::before {
  content: "\2713";
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: rgba(0,106,167,0.1);
  color: var(--betryggande-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
}
.info-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
}
.info-card h3 { color: var(--betryggande-blue); }

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }
.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  position: relative;
}
.step-number {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--mhb-orange);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  margin-bottom: 16px;
}

/* Pricing */
.price-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  align-items: start;
}
@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 {
  padding: 20px 24px;
  background: var(--bg-soft);
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.price-head h3 { margin: 0; }
.badge {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  background: var(--betryggande-blue);
  color: #fff;
  padding: 4px 10px;
  border-radius: 999px;
}
.price-table { width: 100%; border-collapse: collapse; }
.price-table td {
  padding: 14px 24px;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.price-table tr:last-child td { border-bottom: none; }
.price-table td:last-child { text-align: right; font-weight: 700; color: var(--mhb-orange-dark); }
.price-note {
  padding: 16px 24px;
  font-size: 13px;
  color: var(--ink-soft);
  background: var(--bg-soft);
}

.price-compare {
  margin-top: 24px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.price-compare summary {
  cursor: pointer;
  list-style: none;
  padding: 18px 26px;
  font-size: 16px;
  font-weight: 700;
  color: var(--betryggande-blue);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.price-compare summary::-webkit-details-marker { display: none; }
.price-compare summary::after {
  content: "\2193";
  font-weight: 400;
}
.price-compare[open] summary::after { content: "\2191"; }
.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 {
  margin-bottom: 8px;
  color: var(--ink);
}
.price-more-content .plain-list li:last-child { margin-bottom: 0; }
.price-more-content .source-note {
  font-size: 12px;
  color: var(--ink-soft);
  font-style: italic;
  margin-bottom: 16px;
}
.price-more-content .footnote {
  font-size: 12px;
  color: var(--ink-soft);
  border-top: 1px solid var(--border);
  padding-top: 12px;
  margin-top: 4px;
}
.price-more-content .fine-print {
  font-size: 12px;
  color: var(--ink-soft);
  font-style: italic;
}
.price-more-content .fine-print .scroll-link {
  color: var(--betryggande-blue);
  font-weight: 700;
  font-style: normal;
  text-decoration: underline;
}
.price-more-content .fine-print .scroll-link:hover { color: var(--mhb-orange-dark); }

#dokument { scroll-margin-top: 90px; }

/* Form */
.form-panel {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 36px;
}
@media (max-width: 600px) { .form-panel { padding: 22px; } }
.form-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
}
@media (max-width: 780px) { .form-cols { grid-template-columns: 1fr; } }
.form-cols h3 {
  color: var(--betryggande-blue);
  border-bottom: 2px solid var(--bg-soft);
  padding-bottom: 10px;
  margin-bottom: 18px;
}
.field { margin-bottom: 16px; }
.field label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--ink);
}
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  color: var(--ink);
  background: #fff;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--betryggande-blue);
  box-shadow: 0 0 0 3px rgba(0,106,167,0.12);
}
.field.invalid input,
.field.invalid select {
  border-color: var(--error);
  background: #fdf1f1;
}
.field-error {
  display: none;
  font-size: 12px;
  color: var(--error);
  margin-top: 4px;
}
.field.invalid .field-error { display: block; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 500px) { .field-row { grid-template-columns: 1fr; } }

.premie-preview {
  margin: -4px 0 20px;
  padding: 14px 18px;
  border-radius: 8px;
  background: var(--bg-soft);
  border: 1px dashed var(--border);
  color: var(--ink-soft);
  font-size: 14px;
  font-weight: 600;
  transition: background .15s ease, border-color .15s ease, color .15s ease;
}
.premie-preview.active {
  background: rgba(0,106,167,0.08);
  border: 1px solid var(--betryggande-blue);
  color: var(--ink);
}
.premie-preview .amount {
  color: var(--mhb-orange-dark);
  font-size: 18px;
  font-weight: 700;
}

.doc-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 28px;
}
@media (max-width: 760px) { .doc-cards { grid-template-columns: 1fr; } }
.doc-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 26px 28px;
}
.doc-card h3 {
  color: var(--betryggande-blue);
  font-size: 17px;
  border-bottom: 2px solid var(--bg-soft);
  padding-bottom: 10px;
  margin-bottom: 16px;
}
.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 {
  margin-top: 16px;
  font-size: 13px;
  color: var(--ink-soft);
}
.gdpr-link a {
  color: var(--betryggande-blue);
  font-weight: 600;
  text-decoration: underline;
}

.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13px;
  color: var(--ink-soft);
  margin: 20px 0;
}
.consent input { margin-top: 3px; }

.form-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  border-top: 1px solid var(--border);
  padding-top: 24px;
  margin-top: 8px;
}
.form-status {
  font-size: 14px;
  font-weight: 600;
}
.form-status.ok { color: var(--ok); }
.form-status.error { color: var(--error); }

.honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* FAQ */
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 18px 0;
}
.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 22px;
  color: var(--mhb-orange);
  font-weight: 400;
}
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { margin-top: 12px; }

/* Footer */
.site-footer {
  background: #1c2126;
  color: #cfd3d6;
  padding: 50px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-bottom: 32px;
}
@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 { height: 34px; margin-bottom: 14px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 20px;
  font-size: 12px;
  color: #7d838a;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}

.cta-banner {
  background: var(--betryggande-blue);
  color: #fff;
  padding: 44px 0;
  text-align: center;
}
.cta-banner h2 { color: #fff; }
.cta-banner p { color: #d9e9f2; }