:root{
  --navy:#061f42;
  --gold:#c87a00;
  --gold2:#df8e00;
  --line:#eadfce;
  --text:#13213a;
  --muted:#556276;
  --green:#28724f;
  --green-bg:#f4fbf6;
  --gold-bg:#fff8eb;
  --blue-bg:#f7fbff;
  --shadow:0 14px 34px rgba(7,31,66,.07);
  --radius:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.48}
a{color:inherit;text-decoration:none}
p{margin:0;color:var(--muted)}
h1,h2,h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);margin:0;line-height:1.05;font-weight:600;letter-spacing:-.035em}
h1{font-size:clamp(2.35rem,3.55vw,4rem)}
h2{font-size:clamp(1.55rem,2.25vw,2.25rem)}
h3{font-size:clamp(1.14rem,1.35vw,1.45rem)}
.wrap{width:min(1340px,calc(100% - 64px));margin:0 auto}
.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line)}
.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:flex;align-items:center;min-width:258px}
.logo img{height:62px;width:auto;max-width:100%}
.menu{display:flex;align-items:center;gap:28px;color:var(--navy);font-weight:700;font-size:.96rem}
.menu a{padding:11px 0;border-bottom:3px solid transparent;white-space:nowrap}
.menu a.active,.menu a:hover{border-color:var(--gold)}
.nav-right{display:flex;align-items:center;gap:18px;margin-left:auto}
.phone-top{display:flex;align-items:center;gap:10px;color:var(--navy);font-weight:850;font-size:1rem;white-space:nowrap}
.phone-top .icon{font-size:1.25rem;color:var(--gold)}
.phone-top small{display:block;color:var(--muted);font-size:.76rem;font-weight:500;margin-top:-2px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:9px;padding:13px 22px;font-weight:850;border:1.5px solid transparent;cursor:pointer;transition:.18s ease;font-size:.96rem;line-height:1.15;text-align:center}
.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow)}
.btn-gold{background:linear-gradient(180deg,var(--gold2),var(--gold));color:#fff}
.btn-outline{background:rgba(255,255,255,.92);color:var(--navy);border-color:var(--navy)}
.btn-full{width:100%}

/* Hero: fælles, stramt grid, så tekst og billede bliver i samme visuelle enhed */
.hero,.subhero{background:#fff;border-bottom:1px solid var(--line)}
.hero-inner,.subhero-inner{
  width:min(1340px,calc(100% - 64px))!important;
  max-width:none!important;
  margin:0 auto!important;
  text-align:left!important;
  display:grid!important;
  grid-template-columns:minmax(0,560px) minmax(420px,520px);
  column-gap:clamp(28px,3.4vw,52px);
  align-items:center;
  justify-content:start;
  padding:34px 0 32px!important;
}
.hero-inner{grid-template-areas:"title image" "lead image" "actions image"!important;min-height:286px}
.subhero-inner{grid-template-areas:"crumb image" "title image" "lead image" "actions image"!important;min-height:258px}
.hero-inner::after,.subhero-inner::after{
  content:"";
  grid-area:image;
  display:block;
  width:100%;
  max-width:520px;
  min-height:282px;
  border-radius:18px;
  border:1px solid var(--line);
  box-shadow:0 10px 28px rgba(7,31,66,.07);
  background:linear-gradient(90deg,rgba(255,255,255,.16),rgba(255,255,255,0)),url("hero-photo.png") center/cover no-repeat;
}
.subhero-inner::after{max-width:455px;min-height:246px}
.hero-inner h1,.subhero-inner h1{grid-area:title;max-width:620px}
.hero h1{font-size:clamp(2.5rem,3.35vw,3.75rem);max-width:620px}
.subhero h1{font-size:clamp(2.18rem,2.75vw,3.05rem);max-width:620px}
.hero h1 span,.subhero h1 span{display:block;color:var(--gold)}
.hero-inner p,.subhero-inner p{grid-area:lead}
.hero p{margin-top:14px;color:#233854;font-size:1.1rem;max-width:560px}
.subhero p{margin-top:13px;font-size:1.08rem;color:#233854;max-width:630px}
.hero-actions{grid-area:actions;display:flex;flex-wrap:wrap;gap:14px;margin-top:22px;justify-content:flex-start}
.breadcrumbs{grid-area:crumb;font-size:.9rem;color:var(--navy);font-weight:650;margin-bottom:14px}
.breadcrumbs span{color:var(--muted);padding:0 8px}

.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:16px 0}
.trust-item{display:flex;align-items:center;gap:12px;min-height:46px}
.trust-ico{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;color:var(--navy);font-size:1.2rem;flex:none}
.trust-ico.gold{color:var(--gold)}
.trust-item strong{display:block;color:var(--navy);font-size:.96rem}
.trust-item small{color:var(--muted);font-size:.85rem}
.section{padding:34px 0}
.section-tight{padding:22px 0}
.choice-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;max-width:1100px;margin:0 auto}
.choice-card{min-height:102px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 10px 26px rgba(7,31,66,.045);display:grid;grid-template-columns:68px 1fr;align-items:center;gap:16px;padding:17px 22px;color:inherit}
.choice-card.green{border-color:rgba(40,114,79,.24);background:linear-gradient(90deg,#f6fbf7,#fff)}
.choice-card.gold{border-color:rgba(200,122,0,.24);background:linear-gradient(90deg,#fff8ed,#fff)}
.card-ico{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;font-size:1.5rem;background:#e8f4ec;color:var(--green)}
.gold .card-ico,.subcard.gold .card-ico{background:#faedd7;color:var(--gold)}
.blue .card-ico,.subcard.blue .card-ico{background:#eaf3fb;color:var(--navy)}
.choice-card h3{font-size:1.26rem;margin-bottom:4px}
.choice-card p{font-size:.92rem;color:#516071}
.read{display:inline-block;margin-top:6px;color:var(--green);font-weight:850}
.gold .read,.subcard.gold .read{color:var(--gold)}

.process-row{border-top:1px solid var(--line);display:grid;grid-template-columns:285px 1fr 30px 1fr 30px 1fr;gap:18px;align-items:start;padding-top:22px}
.process-title h2{font-size:1.56rem;max-width:none}
.step{display:grid;grid-template-columns:46px 1fr;gap:13px}
.num{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:#fff8ed;border:1px solid rgba(200,122,0,.22);color:var(--gold);font:700 1.25rem Georgia,serif}
.step strong{display:block;color:var(--navy);margin-bottom:4px}
.step p{font-size:.91rem}
.arrow{color:var(--navy);font-size:1.55rem;line-height:1;padding-top:8px;opacity:.75}
.lower-grid{display:grid;grid-template-columns:250px minmax(0,1.08fr) minmax(390px,.98fr);gap:26px;align-items:stretch;margin-top:24px}
.photo{border-radius:16px;background:url("office-photo.png") center/cover;min-height:168px;border:1px solid var(--line)}
.text-block{padding:8px 0}
.text-block h3{margin-bottom:8px;font-size:1.45rem}
.checks{margin:12px 0 0;padding:0;list-style:none;display:grid;gap:7px;color:#405166}
.checks li::before{content:'✓';color:var(--gold);font-weight:900;margin-right:10px}
.contact-box{border:1px solid var(--line);border-radius:var(--radius);background:linear-gradient(135deg,#fff,#fffaf4);padding:22px 26px;display:grid;align-content:center}
.contact-box h2{font-size:1.68rem;margin-bottom:7px}
.contact-method-row{display:grid;grid-template-columns:repeat(2,minmax(245px,1fr));gap:16px;margin-top:16px}
.contact-method{display:flex;align-items:center;gap:13px;color:inherit}
.round{width:50px;height:50px;border-radius:50%;background:#faedd7;color:var(--navy);display:grid;place-items:center;font-size:1.4rem;flex:none}
.contact-method strong{display:block;color:var(--navy);font-size:1rem;overflow-wrap:normal}
.contact-method small{color:var(--muted)}

.subcards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.subcard{border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:grid;grid-template-columns:66px 1fr;gap:16px;align-items:start;background:#fff;color:inherit}
.subcard.green{background:var(--green-bg);border-color:rgba(40,114,79,.18)}
.subcard.blue{background:var(--blue-bg);border-color:rgba(7,31,66,.14)}
.subcard.gold{background:var(--gold-bg);border-color:rgba(200,122,0,.18)}
.subcard h3{margin-bottom:7px}
.subcard:hover,.choice-card:hover{transform:translateY(-1px);box-shadow:var(--shadow)}
.simple-panel{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:28px;box-shadow:0 8px 24px rgba(7,31,66,.035)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}

.contact-page{padding:34px 0 50px}
.contact-layout{display:grid;grid-template-columns:.72fr 1.15fr;gap:44px;align-items:start}
.contact-title h1 span{color:var(--gold);display:inline}
.contact-title p{margin-top:18px;font-size:1.15rem;color:#263856}
.contact-card{margin-top:26px;border:1px solid var(--line);border-radius:var(--radius);background:linear-gradient(135deg,#fff,#fffaf4);padding:22px}
.contact-card .contact-method{padding:18px 0;border-bottom:1px solid var(--line)}
.contact-card .contact-method:last-child{border-bottom:0}
.form-shell{border:1px solid var(--line);border-radius:22px;background:#fff;padding:32px 38px;box-shadow:0 10px 30px rgba(7,31,66,.04)}
.form-shell h2{font-size:1.86rem;margin-bottom:8px}
form{display:grid;gap:15px;margin-top:22px;position:relative}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
input,select,textarea{width:100%;border:1px solid #cfd7e3;border-radius:8px;padding:15px 16px;font:inherit;color:var(--navy);background:#fff;outline:none}
input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(200,122,0,.1)}
textarea{min-height:122px;resize:vertical}
.upload{border:1.5px dashed #bcc7d4;border-radius:9px;padding:18px;display:flex;align-items:center;gap:16px;background:#fcfbf8;cursor:pointer}
.upload input{display:none}
.upload strong{display:block;color:var(--navy);font-size:1.02rem}
.upload small{color:var(--muted)}
.security-check{border:1px solid #eadfce;border-radius:9px;padding:15px 16px;background:#fffaf4;display:grid;gap:10px}
.security-check label{color:var(--navy)}
.anti-spam-field{position:absolute!important;left:-10000px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important}
.consent{display:flex;align-items:flex-start;gap:10px;font-size:.9rem;color:var(--muted)}
.consent input{width:auto;margin-top:4px}
.form-note{font-size:.9rem;color:var(--muted);margin-top:3px}
.form-note.warning{color:#8a4a00}

.footer{background:var(--navy);color:#d8e4f0;padding:36px 0 22px;margin-top:18px}
.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr;gap:30px}
.footer h3{font-family:Inter,sans-serif;font-size:1rem;color:#fff;letter-spacing:0;margin-bottom:12px}
.footer p,.footer a,.footer li{color:#d8e4f0}
.footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.16);margin-top:24px;padding-top:16px;display:flex;justify-content:space-between;gap:20px;color:#aebfd2;font-size:.9rem}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid rgba(200,122,0,.35);outline-offset:3px}

@media(max-width:1180px){
  .wrap,.hero-inner,.subhero-inner{width:min(100% - 42px,1180px)!important}
  .nav{height:auto;min-height:78px;flex-wrap:wrap;padding:10px 0 0;gap:14px}
  .logo{min-width:auto}.logo img{height:56px;max-width:250px}
  .menu{order:3;flex-basis:100%;gap:18px;overflow-x:auto;padding:0 0 10px;scrollbar-width:none}
  .menu::-webkit-scrollbar{display:none}
  .nav-right{margin-left:auto}
  .hero-inner,.subhero-inner{grid-template-columns:minmax(0,1fr) minmax(320px,440px);column-gap:28px}
  .hero-inner::after{max-width:440px;min-height:248px}.subhero-inner::after{max-width:400px;min-height:228px}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .process-row{grid-template-columns:1fr;gap:14px}.arrow{display:none}.process-title h2{max-width:none}
  .lower-grid,.contact-layout,.two-col{grid-template-columns:1fr}.photo{min-height:210px}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr!important;grid-template-areas:"title" "lead" "actions" "image"!important;gap:14px;padding:30px 0 28px!important}
  .subhero-inner{grid-template-columns:1fr!important;grid-template-areas:"crumb" "title" "lead" "actions" "image"!important;gap:14px;padding:30px 0 28px!important}
  .hero-inner::after,.subhero-inner::after{width:100%;max-width:100%;min-height:210px}
  .hero p,.subhero p{margin-top:0;max-width:100%}
  .hero-actions{margin-top:4px}
  .choice-row,.subcards,.mini-grid{grid-template-columns:1fr}
  .contact-layout{gap:26px}
}
@media(max-width:760px){
  .wrap,.hero-inner,.subhero-inner{width:min(100% - 30px,1220px)!important}
  h1{font-size:clamp(2.15rem,10vw,3.05rem)}
  h2{font-size:clamp(1.45rem,7vw,2.05rem)}
  .nav{gap:10px;padding-top:8px}
  .logo img{height:46px;max-width:215px}
  .nav-right{order:2;flex-basis:100%;width:100%;margin-left:0;display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:0 0 8px}
  .phone-top{display:flex;width:100%;min-height:52px;justify-content:center;white-space:normal;border:1px solid var(--line);border-radius:10px;background:#fff;padding:9px 10px;font-size:.92rem;line-height:1.12}
  .phone-top .icon{font-size:1.25rem}
  .header-contact-label{font-size:1rem;line-height:1.05}
  .header-contact-sub{font-size:.73rem;line-height:1.15;margin-top:2px}
  .nav-right .btn{display:flex;width:100%;min-height:52px;padding:10px 12px;font-size:.92rem;line-height:1.12}
  .menu{order:3;gap:14px;font-size:.92rem;padding-bottom:9px}
  .hero-inner,.subhero-inner{padding:26px 0 24px!important}
  .hero h1,.subhero h1{font-size:clamp(2.15rem,10vw,3.05rem)}
  .hero-inner::after,.subhero-inner::after{min-height:176px;border-radius:14px}
  .hero-actions{display:grid;grid-template-columns:1fr;gap:10px;width:100%}
  .hero-actions .btn{width:100%}
  .trust-grid{grid-template-columns:1fr;padding:14px 0;gap:10px}
  .trust-item{min-height:auto}
  .choice-row,.subcards,.mini-grid,.two-col{gap:14px}
  .choice-card,.subcard{grid-template-columns:58px 1fr;padding:16px}
  .card-ico{width:52px;height:52px;font-size:1.35rem}
  .section{padding:30px 0}.section-tight{padding:18px 0}
  .lower-grid{gap:16px;margin-top:14px}.contact-box{padding:20px}.contact-method-row{grid-template-columns:1fr}
  .contact-card{margin-top:22px;padding:18px}.form-shell{padding:22px 16px}.form-grid{grid-template-columns:1fr}.upload{align-items:flex-start}
  .footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}
}
@media(max-width:420px){
  .wrap,.hero-inner,.subhero-inner{width:min(100% - 24px,1220px)!important}
  .logo img{max-width:200px}
  .hero-inner::after,.subhero-inner::after{min-height:148px}
  .choice-card,.subcard{grid-template-columns:1fr}.card-ico{margin-bottom:2px}
}

/* v7 finish: broader desktop layout and cleaner protected contact labels */
.header-contact-label{font-weight:850;display:block;color:var(--navy)}
.header-contact-sub{font-size:.76rem;color:var(--muted);font-weight:500;margin-top:-2px;display:block}
.contact-method small{display:block;line-height:1.35;overflow-wrap:break-word}
.email-muted{font-size:.88rem;color:var(--muted)}
.footer .js-email{overflow-wrap:break-word}
@media(min-width:1181px){
  .contact-box{min-height:168px}
  .contact-method-row .contact-method{min-width:0}
}
@media(max-width:900px){
  .contact-method-row{grid-template-columns:1fr}
}

/* v8 mobile header: kontaktformular + gratis vurdering bevares på telefon i lodret visning */
@media(max-width:520px){
  .nav-right{grid-template-columns:1fr 1fr;gap:8px}
  .phone-top,.nav-right .btn{min-height:50px;padding:8px 9px}
  .header-contact-label{font-size:.95rem}
  .header-contact-sub{font-size:.7rem}
  .nav-right .btn{font-size:.88rem}
}
@media(max-width:380px){
  .nav-right{grid-template-columns:1fr}
  .phone-top,.nav-right .btn{min-height:46px}
}

/* v9: større hero-billede + sektion med forsikringstyper */
.insurance-types{padding:20px 0 16px}
.insurance-panel{border:1px solid var(--line);border-radius:24px;background:linear-gradient(180deg,#fff,#fffdf9);padding:28px 28px 22px;box-shadow:0 8px 24px rgba(7,31,66,.035)}
.insurance-intro{max-width:900px;margin:0 0 22px}
.insurance-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.insurance-card{border:1px solid var(--line);border-radius:20px;padding:22px;background:#fff}
.insurance-card.private{background:var(--blue-bg);border-color:rgba(7,31,66,.12)}
.insurance-card.business{background:var(--green-bg);border-color:rgba(40,114,79,.18)}
.insurance-card h3{margin-bottom:10px}
.insurance-list{margin:0;padding-left:18px;display:grid;gap:8px;color:#405166}
.insurance-list li{padding-left:2px}
.insurance-list strong{color:var(--navy)}
.insurance-note{margin-top:18px;padding:16px 18px;border-radius:16px;background:#fff8eb;border:1px solid rgba(200,122,0,.16);color:#5a482e}
@media(max-width:900px){
  .insurance-grid{grid-template-columns:1fr}
  .insurance-panel{padding:22px 18px 18px}
}