:root {
  --brand: #0f5c4d;
  --brand-2: #0b4539;
  --accent: #e8f4f0;
  --ink: #17201d;
  --muted: #5b6763;
  --line: #dde5e2;
  --bg: #ffffff;
  --bg-alt: #f5f8f7;
  --warn-bg: #fff7e6;
  --warn-line: #f0c36d;
  --demo: #b54708;
  --wa: #1f8f4e;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(16, 24, 20, .06), 0 6px 20px rgba(16, 24, 20, .06);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font: 16px/1.55 system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
a { color: var(--brand); }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; }
h1 { font-size: clamp(1.6rem, 5.2vw, 2.4rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.3rem, 3.6vw, 1.7rem); }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }
.wrap { width: 100%; max-width: 1080px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.muted { color: var(--muted); }
.small { font-size: .9rem; }
.tiny { font-size: .78rem; margin: .5em 0 0; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 8px; background: #fff; padding: 8px; z-index: 50; }

.demo-bar { background: var(--demo); color: #fff; font-size: .82rem; font-weight: 600; text-align: center; padding: 6px 16px; }

.top { border-bottom: 1px solid var(--line); background: #fff; }
.top__in { display: flex; align-items: center; justify-content: space-between; height: 56px; }
.logo { display: flex; gap: 8px; align-items: center; font-weight: 800; color: var(--ink); text-decoration: none; }
.logo img { display: block; }
.logo span { color: var(--brand); }
.top__nav { display: none; gap: 20px; font-size: .92rem; }
.top__nav a { color: var(--muted); text-decoration: none; }
@media (min-width: 760px) { .top__nav { display: flex; } }

.hero { background: linear-gradient(180deg, var(--accent), #fff 75%); padding: 24px 0 32px; }
.hero__grid { display: grid; gap: 24px; }
@media (min-width: 900px) { .hero__grid { grid-template-columns: 1.05fr 1fr; align-items: start; padding-top: 24px; } }
.eyebrow { text-transform: uppercase; font-size: .75rem; letter-spacing: .08em; color: var(--brand); font-weight: 700; margin-bottom: .6em; }
.lead { font-size: 1.05rem; color: #2c3833; }
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; font-size: .95rem; }
.checks li { padding-left: 26px; position: relative; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--brand); font-weight: 800; }

/* vestlus */
.chat { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.chat__head { display: flex; gap: 10px; align-items: center; padding: 12px 14px; background: var(--brand); color: #fff; }
.chat__head strong { display: block; font-size: .95rem; }
.chat__sub { font-size: .75rem; opacity: .85; }
.chat__dot { width: 10px; height: 10px; border-radius: 50%; background: #7ee2b8; flex: none; }
.chat__body { padding: 14px; display: flex; flex-direction: column; gap: 8px; min-height: 120px; max-height: 340px; overflow-y: auto; background: #fafcfb; }
.bubble { max-width: 88%; padding: 9px 12px; border-radius: 14px; font-size: .95rem; }
.bubble--bot { background: #fff; border: 1px solid var(--line); border-bottom-left-radius: 4px; align-self: flex-start; }
.bubble--user { background: var(--brand); color: #fff; border-bottom-right-radius: 4px; align-self: flex-end; }
.chat__options { display: flex; flex-wrap: wrap; gap: 8px; padding: 12px 14px 14px; border-top: 1px solid var(--line); }
.opt { font: inherit; font-size: .92rem; padding: 10px 14px; min-height: 44px; border-radius: 999px; border: 1.5px solid var(--brand); background: #fff; color: var(--brand); cursor: pointer; }
.opt:hover, .opt:focus-visible { background: var(--accent); }
.opt--primary { background: var(--brand); color: #fff; }
.chat__noscript { padding: 14px; }

/* nupud */
.btn { display: inline-flex; align-items: center; justify-content: center; font: inherit; font-weight: 700; padding: 12px 18px; min-height: 46px; border-radius: 10px; border: 0; background: var(--brand); color: #fff; text-decoration: none; cursor: pointer; }
.btn:hover { background: var(--brand-2); }
.btn--block { width: 100%; margin-top: 12px; }
.btn--ghost { background: #fff; color: var(--brand); border: 1.5px solid var(--brand); }
.btn--ghost:hover { background: var(--accent); }
.btn[disabled], .btn--disabled { background: #c9d3cf; color: #4a5551; cursor: not-allowed; border: 0; }
.btn--wa { background: var(--wa); }
.linklike { background: none; border: 0; padding: 0; font: inherit; color: inherit; text-decoration: underline; cursor: pointer; }

/* sektsioonid */
.section { padding: 40px 0; }
.section--alt { background: var(--bg-alt); }
.section__head { margin-bottom: 16px; }
.two { display: grid; gap: 28px; }
@media (min-width: 860px) { .two { grid-template-columns: 1.4fr 1fr; } }

/* pakkumised */
.offers { display: grid; gap: 16px; margin-bottom: 16px; }
@media (min-width: 720px) { .offers { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .offers { grid-template-columns: repeat(3, 1fr); } }
.offer { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 16px; box-shadow: var(--shadow); display: flex; flex-direction: column; }
.offer__head { display: flex; justify-content: space-between; gap: 8px; align-items: flex-start; }
.offer__name { margin: 0; font-size: 1.2rem; }
.offer__prod { margin: 0; color: var(--muted); font-size: .9rem; }
.offer__sipres { font-size: .8rem; background: var(--accent); border-radius: 8px; padding: 6px 8px; margin: 10px 0; }
.offer__sipres .ok { color: var(--brand); font-weight: 800; }
.offer__cat { border-top: 1px solid var(--line); padding-top: 10px; }
.offer__cat .small { font-size: .78rem; color: var(--muted); margin: .2em 0 .4em; }
.cat { margin: 0; font-size: 1rem; }
.cat strong { font-size: 1.5rem; }
.cat--pending strong { font-size: 1.1rem; color: var(--demo); }
.cat__label { color: var(--muted); font-size: .9rem; }
.warn-text { color: #8a4b00 !important; }
.offer__facts { display: grid; grid-template-columns: auto 1fr; gap: 4px 12px; font-size: .88rem; margin: 10px 0 6px; }
.offer__facts dt { color: var(--muted); }
.offer__facts dd { margin: 0; }
.offer .btn--block { margin-top: auto; }
.offer .tiny { margin-top: 8px; }
.example { background: var(--bg-alt); padding: 8px; border-radius: 8px; font-size: .8rem; }
.badge { display: inline-block; font-size: .7rem; font-weight: 700; padding: 2px 8px; border-radius: 999px; white-space: nowrap; }
.badge--loan { background: #e6f0ff; color: #1d4ea8; }
.badge--card { background: #f2e8ff; color: #5b2aa5; }
.badge--demo { background: #fff1e6; color: var(--demo); margin: 2px 0 2px 6px; border: 1px dashed var(--demo); }
.offer > .badge--demo { margin: 0 0 6px; align-self: flex-start; }
.cat-max { font-size: .85rem; background: var(--bg-alt); border-left: 3px solid var(--brand); padding: 8px 12px; }
.legal-small { font-size: .78rem; color: var(--muted); margin-top: 16px; }

.wa { display: grid; gap: 16px; align-items: center; }
@media (min-width: 760px) { .wa { grid-template-columns: 1fr auto; } }

.steps { padding-left: 1.2em; display: grid; gap: 10px; }
.warn { background: var(--warn-bg); border: 1px solid var(--warn-line); border-radius: var(--radius); padding: 16px; font-size: .93rem; }
.warn p:last-child { margin: 0; }

details { border-bottom: 1px solid var(--line); padding: 12px 0; }
summary { cursor: pointer; font-weight: 700; min-height: 32px; }
details p { margin: .6em 0 0; color: #2c3833; }

.foot { background: #10211c; color: #c6d3ce; font-size: .8rem; padding: 28px 0 96px; }
.foot a, .foot .linklike { color: #fff; }
.foot__links { margin-top: 1em; }
.foot__legal { margin-top: 1.2em; font-size: .72rem; color: #8fa39b; }
.foot__legal a, .foot__legal .linklike { color: #b8c7c1; }

.cookie { position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 40; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 10px 30px rgba(0,0,0,.18); padding: 14px; font-size: .85rem; max-width: 620px; margin: 0 auto; }
.cookie p { margin: 0 0 10px; }
.cookie__btns { display: flex; gap: 8px; justify-content: flex-end; flex-wrap: wrap; }
.cookie .btn { min-height: 40px; padding: 8px 14px; }

/* juriidilised lehed */
.doc { padding: 32px 0 48px; }
.doc h2 { margin-top: 1.6em; font-size: 1.25rem; }
.doc table { border-collapse: collapse; width: 100%; font-size: .9rem; }
.doc th, .doc td { border: 1px solid var(--line); padding: 8px; text-align: left; vertical-align: top; }
.doc .table-wrap { overflow-x: auto; }

/* ---------- v2: sisulehed ---------- */
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.page-hero { background: linear-gradient(180deg, var(--accent), #fff 85%); padding: 18px 0 8px; }
.crumbs { font-size: .8rem; color: var(--muted); margin-bottom: 10px; }
.crumbs a { color: var(--muted); }
.answer { font-size: 1.06rem; background: #fff; border-left: 4px solid var(--brand); padding: 10px 14px; border-radius: 0 10px 10px 0; box-shadow: var(--shadow); }
.byline { font-size: .8rem; color: var(--muted); }
.prose h2 { margin-top: 1.6em; }
.prose ul, .prose ol { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
.sources { font-size: .85rem; padding-left: 1.1em; word-break: break-word; }
.related { padding-left: 1.1em; }
.sipres { font-size: .8rem; }
.sipres--no strong { color: #a12a1a; }
.t-name { font-weight: 800; font-size: 1.02rem; }
.note-box { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 12px 14px; font-size: .92rem; }
.badge-noads { display: inline-block; font-size: .72rem; border: 1px dashed var(--muted); color: var(--muted); border-radius: 999px; padding: 2px 8px; }

/* võrdlustabel: mobiilis kaardid, laial ekraanil tabel */
.table-wrap { margin: 12px 0; }
table.cmp { width: 100%; border-collapse: collapse; font-size: .9rem; }
table.cmp thead { display: none; }
table.cmp tr { display: block; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 12px 14px; margin-bottom: 12px; }
table.cmp th[scope=row], table.cmp td { display: block; padding: 4px 0; text-align: left; }
table.cmp td[data-label]:not([data-label=""])::before { content: attr(data-label); display: block; font-size: .72rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); }
table.cmp .cat { font-size: 1.35rem; }
table.cmp .cat--pending { font-size: 1rem; color: var(--demo); }
table.cmp .t-cta .btn { width: 100%; margin-top: 6px; }
@media (min-width: 960px) {
  .table-wrap { overflow-x: auto; }
  table.cmp thead { display: table-header-group; }
  table.cmp tr { display: table-row; box-shadow: none; border-radius: 0; }
  table.cmp th, table.cmp td { display: table-cell; border-bottom: 1px solid var(--line); padding: 10px 8px; vertical-align: top; }
  table.cmp thead th { font-size: .75rem; text-transform: uppercase; color: var(--muted); text-align: left; }
  table.cmp td[data-label]::before { display: none !important; }
  table.cmp .t-cta .btn { width: auto; white-space: nowrap; }
}
.foot__brand { display: flex; align-items: center; gap: 6px; font-weight: 800; color: #fff; font-size: .95rem; }

[hidden] { display: none !important; }
.offer-block { margin-bottom: 28px; }
.offer-block > h3 { margin: 8px 0 6px; }