:root{--bg:#F5F2EA;--paper:#FFFFFF;--ink:#1B2430;--mute:#5F6B78;--line:#DAD4C6;--blue:#1E4D7B;--blue-d:#143454;--blue-bg:#E4ECF4;--sand:#E9E1D0;--sand-d:#D8CDB4;--ok:#2E6B4F;--warn:#B3542B;--r:12px;--sans:"Avenir Next","Segoe UI",system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;--mono:ui-monospace,"SF Mono",Menlo,Consolas,monospace}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 var(--sans)}a{color:var(--blue)}a:hover{color:var(--blue-d)}img,svg{max-width:100%}.wrap{max-width:1120px;margin:0 auto;padding:0 16px}.sr{position:absolute;left:-9999px}.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:8px}.skip:focus{left:8px;z-index:10}h1,h2,h3{font-weight:700;line-height:1.15;letter-spacing:-.015em}h1{font-size:clamp(1.9rem,4.4vw,2.7rem);margin:.4em 0 .3em}h2{font-size:1.5rem;margin:1.9em 0 .6em;padding-bottom:.25em;border-bottom:2px solid var(--sand-d)}h3{font-size:1.15rem;margin:1.4em 0 .4em}p{margin:.7em 0}.lead{font-size:1.15rem;color:var(--mute);max-width:46em}.hd{background:var(--paper);border-bottom:3px double var(--sand-d);position:sticky;top:0;z-index:5}.hd-in{display:flex;align-items:center;gap:20px;height:60px}.logo{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--blue-d);font-weight:800;font-size:1.25rem;letter-spacing:-.02em}.logo i{display:inline-block;width:22px;height:22px;border:2px solid var(--blue);border-radius:4px;position:relative}.logo i:before{content:"";position:absolute;left:9px;top:-2px;bottom:-2px;width:2px;background:var(--blue)}.nav{display:flex;gap:2px;margin-left:auto}.nav a{text-decoration:none;color:var(--ink);padding:8px 10px;border-radius:6px;font-size:.93rem}.nav a:hover{background:var(--blue-bg)}.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:6px;width:42px;height:38px;padding:7px 9px;cursor:pointer}.burger span:not(.sr){display:block;height:2px;background:var(--ink);margin:5px 0}@media(max-width:960px){.burger{display:block}.nav{display:none;position:absolute;left:0;right:0;top:60px;background:var(--paper);flex-direction:column;padding:8px 16px 14px;border-bottom:1px solid var(--line)}.nav.open{display:flex}}.hero{background:var(--paper);border-bottom:1px solid var(--line)}.hero-in{padding:34px 0 28px}.hero h1{margin-top:0;max-width:18em}.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{display:inline-block;background:var(--bg);border:1px solid var(--line);border-radius:6px;padding:6px 12px;font-size:.9rem;text-decoration:none;color:var(--ink)}.chip:hover{border-color:var(--blue)}.main{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:40px;padding:12px 0 48px}.side{position:sticky;top:76px;align-self:start;font-size:.93rem}.side .box{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin-bottom:16px}.side h3{margin:.2em 0 .5em;font-size:1rem}.side a{display:block;padding:5px 0;text-decoration:none;border-bottom:1px solid var(--line)}@media(max-width:960px){.main{grid-template-columns:minmax(0,1fr);gap:20px}.side{position:static}}article{max-width:48em}.korthet{background:var(--paper);border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:var(--r);padding:16px 20px;margin:18px 0}.korthet h2{margin:0 0 .4em;font-size:1.2rem;border:0;padding:0}.korthet .sub{color:var(--mute);font-size:.88rem;margin:0 0 .6em}.korthet ol{margin:0;padding-left:1.2em}.korthet li{margin:.45em 0}.how{background:var(--sand);border-radius:var(--r);padding:14px 18px;margin:22px 0;font-size:.93rem}.note{background:#fbefe6;border-left:4px solid var(--warn);padding:10px 14px;border-radius:0 var(--r) var(--r) 0;margin:16px 0;font-size:.95rem}.tbl{overflow:auto;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);margin:14px 0}table{border-collapse:collapse;width:100%;font-size:.93rem}th,td{padding:8px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--blue-bg);font-weight:600}tr:last-child td{border-bottom:0}.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.sm{font-size:.85rem;color:var(--mute)}.lo{color:var(--ok);font-weight:600}.hi{color:var(--warn);font-weight:600}.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 12px 30px -22px #1e4d7b99;overflow:hidden;margin:10px 0 20px}.calc .ch{background:var(--blue-d);color:#fff;padding:12px 18px;font-weight:700;font-size:1.1rem;display:flex;justify-content:space-between;align-items:center}.calc .ch small{font-weight:400;opacity:.85;font-size:.8rem}.calc .cb{padding:14px 18px}.cols{display:grid;grid-template-columns:1fr 1fr;gap:14px}.col{border:1px solid var(--line);border-radius:8px;padding:10px 12px;background:var(--bg)}.col h4{margin:0 0 8px;font-size:.95rem;color:var(--blue-d);text-transform:uppercase;letter-spacing:.05em}.f{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:8px}.f.one{grid-template-columns:1fr}.f3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:8px}label{display:block;font-size:.82rem;color:var(--mute);margin-bottom:3px}input,select{width:100%;font:inherit;padding:8px 10px;border:1px solid var(--line);border-radius:6px;background:#fff;color:var(--ink);font-variant-numeric:tabular-nums}input:focus,select:focus{outline:2px solid var(--blue);outline-offset:1px}@media(max-width:700px){.cols,.f,.f3{grid-template-columns:1fr}}.ledger{margin-top:10px;border:1px solid var(--line);border-radius:8px;overflow:hidden;background:var(--paper)}.ledger .lh{background:var(--sand);padding:6px 12px;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--mute)}.ledger .row{display:grid;grid-template-columns:minmax(0,1fr) 130px 130px;gap:8px;padding:6px 12px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums;background-image:repeating-linear-gradient(transparent 0 29px,#00000008 29px 30px)}.ledger .row span:nth-child(n+2){text-align:right}.ledger .row.total{font-weight:700;background:var(--blue-bg);border-top:2px solid var(--blue)}.ledger .row.one{grid-template-columns:minmax(0,1fr) 150px}.ledger .row.pay span:last-child{color:var(--warn)}.ledger .row.good span:last-child{color:var(--ok)}@media(max-width:520px){.ledger .row{grid-template-columns:minmax(0,1fr) 95px 95px;font-size:.88rem}}.chow{font-size:.85rem;color:var(--mute);margin-top:10px}.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;margin:16px 0}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);display:block}.card:hover{border-color:var(--blue)}.card h3{margin:0 0 .3em;font-size:1.05rem}.card p{margin:0;color:var(--mute);font-size:.9rem}.card .big{font-size:1.6rem;font-weight:800;color:var(--blue);margin:.2em 0;letter-spacing:-.02em}.faq details{background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:10px 16px;margin:8px 0}.faq summary{cursor:pointer;font-weight:600}.faq details p{margin:.5em 0 .2em}.crumbs{font-size:.85rem;color:var(--mute);margin:14px 0 0}.crumbs a{text-decoration:none}.steps{counter-reset:s;list-style:none;padding:0}.steps li{position:relative;padding:8px 0 8px 44px;border-left:2px solid var(--sand-d);margin-left:14px}.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:-15px;top:8px;width:28px;height:28px;border-radius:6px;background:var(--blue);color:#fff;text-align:center;line-height:28px;font-weight:700;font-size:.85rem}.ft{background:var(--blue-d);color:#c9d6e3;margin-top:30px}.ft a{color:#fff;text-decoration:none;display:block;padding:3px 0;font-size:.93rem}.ft a:hover{text-decoration:underline}.ft-in{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px;padding:34px 0 20px}.ft h3{color:#fff;margin:0 0 .5em;font-size:1rem}.ft-logo{font-weight:800;font-size:1.3rem;color:#fff}.ft p{font-size:.9rem;margin:.5em 0}.ft-legal{padding:12px 16px 26px;font-size:.82rem;border-top:1px solid rgba(255,255,255,.15)}@media(max-width:960px){.ft-in{grid-template-columns:1fr 1fr}}@media(max-width:520px){.ft-in{grid-template-columns:1fr}}[hidden]{display:none!important}