/* Selected A: real content, integrated photographic hero and compact first step. */
:root { --paper: #f4f7fb; --gutter:var(--page-gutter); }
h2 { font-size:40px; line-height:1.2; }
h3 { font-size:26px; line-height:1.3; }
/* One photographic canvas, no UI baked into the photograph. */
.hub-hero { position: relative; isolation: isolate; display: flex; align-items: center; min-height: 696px; padding-block: 72px; color: #fffdf8; background: var(--ink); }
.hero-copy { position: relative; z-index: 2; text-align: center; }
.hero-copy h1 { max-width: 1160px; margin: 0 auto 25px; font-size: 76px; line-height: 1.1; font-weight: 700; letter-spacing: -.045em; }
.hero-lead { max-width: 760px; margin-inline: auto; font-size: 20px; line-height: 31px; color: #fffdf8; }
.hero-actions { display: flex; justify-content: center; gap: 14px; margin-top: 30px; }
.hero-actions .button { min-width: 200px; }
.hero-questions-link { margin-top: 19px; font-size: 14px; line-height: 23px; }
.hero-questions-link a { color: #fffdf8; text-decoration-color: #ffffff85; }
.creditor-line { margin-top: 10px; font-size: 14px; line-height: 23px; color: #fffdf8; }
.hero-scene { position: absolute; z-index: -2; inset: 0; }
.hero-scene picture, .hero-scene img { display: block; width: 100%; height: 100%; }
.hero-scene img { object-fit: cover; object-position: center; }
.hub-hero::after { content: ""; position: absolute; z-index: -1; inset: 0; background: rgba(16, 45, 80, .65); }
.hero-scene figcaption { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); }
.hub-heading { display: flex; justify-content: space-between; align-items: end; gap: 32px; margin-bottom: 32px; }
.section-link { flex: none; padding: 8px 0; color: var(--blue); font-size: 16px; font-weight: 500; }
.hub-services-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.hub-service { display: flex; flex-direction: column; min-width: 0; overflow: hidden; border-radius: 18px; background: #fff; color: var(--ink); text-decoration: none; box-shadow: 0 5px 18px #102d5005; }
.hub-service-image { display: block; width: 100%; height: auto; aspect-ratio: 16 / 8; max-height: 280px; object-fit: cover; }
.hub-service-body { display: flex; flex: 1; flex-direction: column; padding: 30px; }
.service-topic, .article-topic { margin-bottom: 14px; color: var(--muted); font-size: 14px; line-height: 22px; }
.hub-service h3 { margin-bottom: 14px; }
.hub-service p { max-width: 470px; margin-bottom: 25px; color: var(--muted); font-size: 17px; line-height: 28px; }
.service-detail, .article-read { margin-top: auto; color: var(--blue); font-size: 16px; font-weight: 500; line-height: 25px; }
.hub-service:hover .service-detail, .hub-article:hover .article-read { text-decoration: underline; }
.hub-situations { padding-top: 0; }
.hub-situations .hub-heading p { max-width: 760px; margin-top: 22px; color: var(--muted); }
.hub-situations-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 36px 48px; }
.hub-situations-grid article { padding-top: 23px; border-top: 1px solid var(--line); }
.hub-situations-grid h3 { margin-bottom: 14px; font-size: 24px; line-height: 31px; }
.hub-situations-grid p { max-width: 520px; color: var(--muted); font-size: 17px; line-height: 28px; }
.work-band { padding-block: 80px; background: var(--ink); color: #fff; }
.work-band-inner { display: grid; grid-template-columns: 1fr 1.2fr; align-items: start; gap: 80px; }
.work-band-heading > p { max-width: 420px; margin-top: 24px; color: #d9e2ed; }
.work-band-button { margin-top: 30px; background: var(--paper); color: var(--ink); }
.work-band-button:hover { background: #e4eaf4; }
.hub-work-steps { display: grid; gap: 26px; list-style: none; padding: 0; margin: 0; }
.hub-work-steps li { display: grid; grid-template-columns: 42px minmax(0, 1fr); gap: 22px; padding-top: 22px; border-top: 1px solid #ffffff42; }
.hub-work-steps li > span { padding-top: 4px; color: #8fb2ff; font-size: 16px; font-variant-numeric: tabular-nums; }
.hub-work-steps h3 { margin-bottom: 10px; font-size: 24px; }
.hub-work-steps p { color: #d9e2ed; font-size: 17px; line-height: 28px; }
.hub-prepare { padding-block: 88px; background: var(--paper); }
.hub-prepare-layout { display: grid; grid-template-columns: .95fr 1.05fr; gap: 64px; }
.hub-prepare-copy > p { max-width: 470px; margin-top: 24px; color: var(--muted); }
.preparation-tabs { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 30px; }
.preparation-tabs button { min-width: 0; min-height: 58px; padding: 12px; border: 1px solid #c9d1dc; border-radius: 12px; background: transparent; color: var(--ink); font-size: 16px; font-weight: 500; line-height: 24px; overflow-wrap: anywhere; }
.preparation-tabs button:hover { background: #e9edf4; }
.preparation-tabs button[aria-selected="true"] { background: var(--blue); border-color: var(--blue); color: #fff; }
.home-checklist { padding: 30px; border-radius: 18px; background: #fff; }
.home-checklist-top { display: flex; align-items: start; justify-content: space-between; gap: 18px; padding-bottom: 22px; border-bottom: 1px solid var(--line); }
.home-checklist-top h3 { font-size: 22px; line-height: 29px; }
.home-checklist-top > span { flex: none; margin-top: 4px; color: var(--blue); font-size: 14px; line-height: 23px; }
.preparation-item { display: flex; align-items: start; gap: 12px; min-height: 56px; padding-block: 16px; border-bottom: 1px solid #e6e8eb; font-size: 17px; line-height: 27px; cursor: pointer; }
.preparation-item input { flex: none; width: 20px; height: 20px; margin: 4px 0 0; accent-color: var(--blue); }
.preparation-item:has(input:checked) span { color: var(--blue); }
.home-checklist-bottom { padding-top: 22px; }
.home-checklist-bottom p { color: var(--muted); font-size: 14px; line-height: 23px; }
.home-checklist-bottom button { min-height: 48px; padding: 12px 0; margin-top: 6px; border: 0; background: none; color: var(--blue); font-size: 16px; text-decoration: underline; text-underline-offset: 5px; }
.preparation-noscript { margin-top: 24px; }
.hub-faq { width: 100%; padding-inline: max(var(--gutter), calc((100% - 1200px) / 2)); background: #fff; }
.hub-faq-heading { display: flex; align-items: end; justify-content: space-between; gap: 40px; margin-bottom: 36px; }
.hub-faq-heading h2 { max-width: 520px; }
.hub-faq-heading p { max-width: 380px; color: var(--muted); font-size: 17px; }
.home-faq-list { border-top: 1px solid var(--line); }
.home-faq-list details { border-bottom: 1px solid var(--line); }
.home-faq-list summary { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding: 24px 0; font-size: 18px; font-weight: 500; line-height: 28px; list-style: none; cursor: pointer; }
.home-faq-list summary::-webkit-details-marker { display: none; }
.home-faq-list summary > span { flex: none; color: var(--blue); font-size: 28px; font-weight: 400; line-height: 1; }
.home-faq-list details[open] summary > span { transform: rotate(45deg); }
.home-faq-list details > p { max-width: 960px; padding-bottom: 28px; color: var(--muted); font-size: 17px; line-height: 29px; }
.hub-article-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.hub-article { min-width: 0; overflow: hidden; border-radius: 18px; background: #fff; }
.hub-article > a { display: flex; flex-direction: column; height: 100%; color: var(--ink); text-decoration: none; }
.hub-article img { display: block; width: 100%; height: auto; aspect-ratio: 1.95; object-fit: cover; }
.hub-article a > div { display: flex; flex: 1; flex-direction: column; padding: 28px; }
.hub-article h3 { margin-bottom: 16px; font-size: 23px; line-height: 31px; }
.hub-article p { margin-bottom: 24px; color: var(--muted); font-size: 17px; line-height: 27px; }
.hub-contact { display: grid; grid-template-columns: 1.2fr 1fr; gap: 64px; padding: 48px; margin-bottom: 88px; border-radius: 22px; background: var(--ink); color: #fff; }
.hub-contact h2 { margin-bottom: 22px; }
.hub-contact > div > p { max-width: 480px; margin-bottom: 28px; color: #d9e2ed; }
.hub-contact-person { padding-left: 40px; border-left: 1px solid #ffffff42; }
.hub-contact-person h3 { margin-bottom: 4px; font-size: 26px; }
.hub-contact .person-role { margin-bottom: 20px; font-size: 15px; }
.hub-contact .hub-contact-person > p:not(.person-role) { margin-bottom: 22px; font-size: 16px; line-height: 27px; }
.hub-contact a:not(.button) { color: #fff; }
.contact-email { font-size: 16px; }
.contact-page-link { display: block; margin-top: 18px; font-size: 16px; }
.mail-icon { display: inline-block; width: 16px; height: 16px; margin-left: 5px; vertical-align: -2px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.external-icon { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }

@media (max-width: 1200px) {
.hero-copy h1 { font-size: 66px; }
}
@media (max-width: 1120px) {
.services-trigger { justify-content: space-between; }
.services-panel { position: static; width: 100%; margin: 8px 0 12px; padding: 8px; box-shadow: none; border-radius: 12px; background: #fff; }
.services-panel a { font-size: 16px; }
.work-band-inner { gap: 48px; }
.hub-article-grid { grid-template-columns: 1fr; }
.hub-article { max-width: 740px; }
.hub-article img { max-height: 320px; }
}
@media (max-width: 900px) {
.hero-copy h1 { font-size: 55px; }
.work-band-inner, .hub-prepare-layout { grid-template-columns: 1fr; gap: 40px; }
.work-band-heading > p, .hub-prepare-copy > p { max-width: 650px; }
.preparation-tabs { max-width: 650px; }
.hub-faq-heading { align-items: start; flex-direction: column; gap: 20px; }
.hub-faq-heading h2, .hub-faq-heading p { max-width: 680px; }
.hub-contact { grid-template-columns: 1fr; gap: 30px; padding: 36px; }
.hub-contact-person { padding: 30px 0 0; border-left: 0; border-top: 1px solid #ffffff42; }
}
@media (max-width: 600px) {
body { font-size: 17px; line-height: 27px; }
h2 { font-size: 30px; line-height: 36px; }
h3 { font-size: 24px; line-height: 31px; }
.section { padding-block: 52px; }
.hub-hero { min-height: 670px; padding-block: 56px; }
.hero-copy h1 { margin-bottom: 24px; font-size: 38px; line-height: 42px; }
.hero-lead { max-width: 420px; font-size: 17px; line-height: 27px; }
.hero-actions { flex-direction: column; align-items: stretch; max-width: 420px; gap: 12px; margin: 26px auto 0; }
.hero-actions .button { width: 100%; }
.hero-questions-link { margin-top: 20px; }
.creditor-line { max-width: 300px; margin: 12px auto 0; }
.hub-hero::after { background: rgba(16, 45, 80, .65); }
.hub-heading { align-items: start; flex-direction: column; gap: 14px; margin-bottom: 26px; }
.hub-services-grid, .hub-situations-grid { grid-template-columns: 1fr; gap: 22px; }
.hub-service-image { aspect-ratio: 16 / 9; max-height: none; }
.hub-service-body { padding: 24px; }
.hub-service h3 br { display: none; }
.hub-situations { padding-top: 0; }
.hub-situations .hub-heading p { margin-top: 18px; }
.hub-situations-grid { gap: 28px; }
.work-band, .hub-prepare { padding-block: 52px; }
.work-band-inner, .hub-prepare-layout { gap: 32px; }
.work-band-heading > p, .hub-prepare-copy > p { margin-top: 20px; }
.hub-work-steps li { grid-template-columns: 30px minmax(0, 1fr); gap: 14px; }
.hub-work-steps h3 { font-size: 22px; line-height: 29px; }
.preparation-tabs { gap: 10px; margin-top: 24px; }
.preparation-tabs button { padding-inline: 8px; font-size: 15px; }
.home-checklist { padding: 24px; }
.home-checklist-top { flex-direction: column; gap: 8px; }
.home-checklist-top > span { margin: 0; }
.hub-faq-heading { margin-bottom: 26px; }
.home-faq-list summary { padding-block: 22px; gap: 20px; font-size: 18px; line-height: 28px; }
.hub-article a > div { padding: 24px; }
.hub-contact { gap: 28px; padding: 30px 24px; margin-bottom: 52px; border-radius: 18px; }
.hub-contact > div > p { margin-bottom: 24px; }
}
@media (max-width: 360px) {
.hero-copy h1 { font-size: 34px; line-height: 38px; }
.hub-hero { min-height: 700px; }
}
@media (prefers-reduced-motion: no-preference) {
.hub-service, .hub-article { transition: box-shadow .18s, transform .18s; }
.hub-service:hover, .hub-article:hover { transform: translateY(-3px); box-shadow: 0 16px 32px #102d500d; }
}
/* Two compositions. The rejected white-header sample remains unchanged. */

.hub-hero { color: #fff; }
:where(a, button, input, summary, [tabindex]):focus-visible { outline-color: #3985f3; }
.container { width: min(var(--container-max), calc(100% - var(--page-gutter) * 2)); }
.site-header { position: absolute; inset: 0 0 auto; background: transparent; }
.site-header::before { content: none; }
.header-content { min-height: 88px; gap: 30px; }
.site-header .logo small { color: #fff; }
.nav-link { color: #fff; font-size: 16px; }
.nav-link:hover { color: #fff; text-decoration: underline; text-underline-offset: 7px; }
.header-cta { background: #fff; color: #102d50; }
.header-cta:hover { background: #e9edf4; }
.services-panel { top: calc(100% + 6px); left: 0; width: 340px; border: 0; }
.hub-hero { display: block; padding: 0; min-height: 760px; }
.hero-copy { text-align: left; }
.hero-copy h1 { margin: 0; }
.hero-lead { margin: 24px 0 0; font-size: 18px; line-height: 29px; color: #fff; }
.hero-actions { justify-content: flex-start; margin-top: 24px; }
.hero-actions .button { min-width: 190px; border-radius: 12px; }
.hero-questions-link { margin-top: 20px; }
.creditor-line { margin-top: 8px; }
.direction-a .hero-copy { padding-top: 154px; padding-bottom: 60px; }
.direction-a .hero-copy h1 { max-width: 620px; text-wrap: initial; }
.hero-main-line { display: block; font-size: 88px; line-height: 92px; font-weight: 700; letter-spacing: -.05em; }
.hero-continuation { display: block; margin-top: 16px; font-size: 34px; line-height: 42px; font-weight: 500; letter-spacing: -.035em; }
.direction-a .hero-lead { max-width: 540px; }
.direction-a .hero-actions .primary { background: #fff; color: #102d50; }
.direction-a .hero-actions .primary:hover { background: #e8edf5; }
.direction-a .hero-actions .secondary { background: transparent; color: #fff; border-color: #ffffff80; }
.direction-a .hero-actions .secondary:hover { background: #ffffff1a; }
.direction-a .hero-scene img { object-position: center; }
@media (max-width: 1250px) {

.main-nav { gap: 20px; }
.header-content { gap: 24px; }
}
@media (max-width: 1120px) {
.header-content { gap: 0 16px; min-height: 80px; }
.site-header.menu-open { position: relative; background: #102d50; }
.site-header.menu-open::before { display: none; }
.menu-toggle { color: #fff; border-color: #ffffff70; background: transparent; min-height: 44px; }
.main-nav { background: transparent; border-top-color: #ffffff30; }
.nav-link { border-bottom-color: #ffffff30; }
.services-panel { width: 100%; background: #193b60; }
.services-panel a, .services-panel .services-all { color: #fff; }
.services-panel a:hover { background: #ffffff12; color: #fff; }
.services-panel .services-all { border-top-color: #ffffff30; }
.nav-application { color: #102d50; background: #fff; }
.direction-a .hero-copy { padding-top: 144px; }
.hero-main-line { font-size: 78px; line-height: 84px; }
}
@media (max-width: 600px) {

.header-content { min-height: 76px; }
.site-header .logo small { font-size: 12px; line-height: 18px; }
.menu-toggle { min-height: 44px; font-size: 15px; }
.hub-hero { min-height: 0; }
.hero-copy { text-align: left; }
.direction-a .hero-copy { padding-top: 133px; padding-bottom: 52px; }
.hero-main-line { font-size: 44px; line-height: 48px; }
.hero-continuation { margin-top: 16px; font-size: 28px; line-height: 35px; }
.hero-lead { margin-top: 24px; font-size: 17px; line-height: 27px; }
.hero-actions { margin-top: 26px; }
.hero-questions-link { margin-top: 20px; }
.creditor-line { margin: 10px 0 0; max-width: 300px; }
.direction-a .hero-scene img { object-position: 52% center; }
}
@media (max-width: 360px) {

.header-content { gap: 0 10px; }
.direction-a .hero-copy { padding-top: 125px; }
.hero-main-line { font-size: 42px; line-height: 46px; }
.hero-continuation { font-size: 27px; line-height: 34px; }
}
:root { --font-body: Rubik, "Segoe UI", sans-serif; --control-height: 56px; --control-border: #aebed0; --radius-control: 12px; --text-input: 16px; --text-small: 14px; --focus: #3985f3; --soft: #edf3fd; }
/* Selected transparent outline material, without backdrop blur or a panel fill. */
.with-hero-form .hero-copy {
  display: grid;
  grid-template-columns: minmax(0, 620px) minmax(0, 400px);
  grid-template-areas: "message form" "meta form";
  grid-template-rows: auto auto;
  justify-content: space-between;
  align-content: start;
  gap: 24px 64px;
}
.hero-message { grid-area: message; }
.hero-meta { grid-area: meta; align-self: start; }
.with-hero-form .hero-subnav { margin-top: 0; font-size: 16px; }
.with-hero-form .hero-subnav a { color: #fff; background: transparent; border-color: #ffffff80; border-width: 2px; padding-inline: 23px; border-radius: 12px; }
.with-hero-form .hero-subnav a:hover { background: #ffffff18; }
.with-hero-form .hero-questions-link { margin-top: 12px; }
.hero-start {
  grid-area: form;
  align-self: start;
  min-width: 0;
  margin-top: 24px;
  padding: 28px;
  border: 1.5px solid rgba(255, 255, 255, .56);
  border-radius: 18px;
  background: transparent;
  color: #fff;
  -webkit-backdrop-filter: none;
  backdrop-filter: none;
  box-shadow: none;
}
.hero-start h2 { color: #fff; font-size: 24px; font-weight: 600; line-height: 30px; letter-spacing: -.03em; }
.hero-start-lead { margin: 8px 0 24px; color: #fff; font-size: 15px; font-weight: 400; line-height: 23px; }
.hero-start .field { margin-bottom: 20px; }
.hero-start label { display: block; margin-bottom: 8px; color: #fff; font-size: 15px; font-weight: 500; line-height: 22px; }
.hero-start .custom-select {
  min-height: 56px;
  padding: 14px 16px;
  scroll-margin-top: 24px;
  border-color: rgba(255, 255, 255, .52);
  border-radius: 10px;
  background: rgba(16, 45, 80, .22);
  color: #fff;
  font-size: 16px;
  font-weight: 400;
}
.hero-start .custom-select.is-placeholder { color: #e0e8f2; }
.hero-start .custom-select svg { stroke: rgba(255, 255, 255, .85); }
.hero-start .custom-select:hover { background: rgba(16, 45, 80, .34); border-color: rgba(255, 255, 255, .7); }
.hero-start .custom-select:focus-visible { outline: 2px solid #fff; outline-offset: 3px; box-shadow: 0 0 0 6px #2057d54d; }
.hero-start .custom-select[aria-expanded="true"] { background: rgba(16, 45, 80, .40); border-color: rgba(255, 255, 255, .85); }
.hero-start .button { width: 100%; min-height: 56px; margin-top: 4px; border-color: #fff; border-radius: 10px; background: #fff; color: #102d50; font-size: 16px; font-weight: 600; }
.hero-start .button:hover { background: #edf3fb; border-color: #edf3fb; }
.hero-start .button:focus-visible { outline: 2px solid #fff; outline-offset: 3px; box-shadow: 0 0 0 6px #2057d54d; }
.hero-start-hint { margin-top: 12px; color: #fff; font-size: 14px; font-weight: 400; line-height: 21px; text-align: left; }
.hero-start-error { margin: 0 0 16px; color: #fff; font-size: 14px; line-height: 22px; }
.hero-start:has(.hero-start-error:not([hidden])) .hero-start-hint { display: none; }
.hero-start .custom-select[aria-invalid="true"] { border-color: #ffc8c3; }
@media (min-width: 901px) {
  .with-hero-form .hub-hero { min-height: 100vh; min-height: 100svh; }
  .direction-a.with-hero-form .hero-copy { min-height: inherit; align-content: center; padding-top: 88px; padding-bottom: 0; }
}
@media (max-width: 1120px) {
  .with-hero-form .hero-copy { grid-template-columns: minmax(0, 1fr) minmax(0, 350px); gap: 24px 40px; }
  .with-hero-form .hero-main-line { font-size: 66px; line-height: 72px; }
}
@media (max-width: 900px) {
  .with-hero-form .hero-copy { min-height: 0; grid-template-columns: 1fr; grid-template-areas: "message" "form" "meta"; gap: 0; }
  .hero-start { max-width: 520px; width: 100%; margin-top: 28px; padding: 22px; }
  .hero-meta { margin-top: 24px; }
  .with-hero-form .hub-hero { min-height: 0; }
  .with-hero-form .hero-message { max-width: 620px; }
}
@media (max-width: 600px) {
  .with-hero-form .hero-main-line { font-size: 44px; line-height: 48px; }
  .with-hero-form .hero-copy { padding-bottom: 40px; }
  .with-hero-form .hero-subnav { margin-top: 0; }
}
@media (max-width: 360px) {
  .with-hero-form .hero-main-line { font-size: 42px; line-height: 46px; }
}