/* Lainoja.org – sinivalkoinen, pehmeä ja luotettava ilme */
:root{
  --navy:#0B2559; --ink:#14223F; --text:#2B3A55; --muted:#5B6B86;
  --blue:#1F6FEB; --blue-2:#3D8BFF; --blue-dark:#1556BF;
  --sky:#EAF2FF; --sky-2:#F5F8FE; --line:#DCE6F7; --white:#fff;
  --green:#178A5C; --green-bg:#E8F6EF; --amber:#9A6200; --amber-bg:#FFF6E3; --red:#B4332A; --red-bg:#FDECEA;
  --r-lg:26px; --r-md:18px; --r-sm:12px;
  --shadow:0 14px 36px -22px rgba(16,42,94,.38); --shadow-sm:0 6px 18px -12px rgba(16,42,94,.30);
  --wrap:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0; font-family:'Nunito Sans',system-ui,-apple-system,'Segoe UI',sans-serif; font-size:17px; line-height:1.7; color:var(--text); background:var(--sky-2); -webkit-font-smoothing:antialiased}
img{max-width:100%; height:auto; display:block}
a{color:var(--blue-dark); text-decoration-thickness:1px; text-underline-offset:3px}
a:hover{color:var(--blue)}
h1,h2,h3,h4{font-family:'Outfit',system-ui,sans-serif; color:var(--navy); line-height:1.2; letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.4vw,3rem); font-weight:700; margin:0 0 18px}
h2{font-size:clamp(1.45rem,2.6vw,1.9rem); font-weight:700; margin:48px 0 16px}
h3{font-size:1.2rem; font-weight:600; margin:28px 0 10px}
p{margin:0 0 16px}
.wrap{max-width:var(--wrap); margin:0 auto; padding:0 20px}
.sr-only{position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0 0 0 0)}

/* Ylin rivi: riippumattomuus */
.topline{background:var(--navy); color:#C9D8F5; font-size:13px}
.topline .wrap{display:flex; justify-content:space-between; align-items:center; gap:12px; min-height:34px}
.topline button{all:unset; cursor:pointer; color:#fff; font-weight:700; display:inline-flex; align-items:center; gap:7px}
.topline button:hover{text-decoration:underline}
.topline .dot{width:8px; height:8px; border-radius:50%; background:#4ADE9A; box-shadow:0 0 0 3px rgba(74,222,154,.2)}

/* Ylätunniste ja valikko */
.site-header{background:#fff; border-bottom:1px solid var(--line); position:sticky; top:0; z-index:50}
.nav{display:flex; align-items:center; justify-content:space-between; gap:20px; min-height:74px}
.brand img{height:38px; width:auto}
.nav-links{display:flex; gap:4px; align-items:center; list-style:none; margin:0; padding:0}
.nav-item{position:relative}
.nav-item > a,.nav-item > button{all:unset; cursor:pointer; display:flex; align-items:center; gap:6px; padding:10px 14px; border-radius:12px; font-weight:700; font-size:15.5px; color:var(--ink)}
.nav-item > a:hover,.nav-item > button:hover,.nav-item.open > button{background:var(--sky); color:var(--blue-dark)}
.nav-item .chev{font-size:11px; transition:transform .2s}
.nav-item.open .chev{transform:rotate(180deg)}
.dropdown{position:absolute; top:calc(100% + 8px); left:0; min-width:270px; background:#fff; border:1px solid var(--line); border-radius:var(--r-md); box-shadow:var(--shadow); padding:10px; display:none}
.nav-item.open .dropdown{display:block}
.dropdown a{display:block; padding:9px 12px; border-radius:10px; text-decoration:none; color:var(--ink); font-size:15px}
.dropdown a:hover{background:var(--sky); color:var(--blue-dark)}
.dropdown a.hub{font-weight:800; color:var(--blue-dark)}
.nav-toggle{all:unset; display:none; cursor:pointer; width:44px; height:44px; border-radius:12px; background:var(--sky); color:var(--navy); font-size:22px; align-items:center; justify-content:center}
.mobile-nav{display:none}

/* Korkonauha */
.rates{background:linear-gradient(90deg,#F1F6FF,#E7F0FF); border-bottom:1px solid var(--line); overflow:hidden; font-size:13.5px; color:var(--navy)}
.rates-track{display:flex; gap:34px; white-space:nowrap; padding:8px 0; animation:rates 48s linear infinite; width:max-content}
.rates:hover .rates-track{animation-play-state:paused}
.rate{display:inline-flex; gap:8px; align-items:baseline}
.rate b{font-family:'Outfit',sans-serif; font-weight:700}
.rate .src{color:var(--muted); font-size:12px}
@keyframes rates{from{transform:translateX(0)} to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){ .rates-track{animation:none; flex-wrap:wrap; white-space:normal; width:auto; padding:8px 20px} }

/* Sivun yläosa */
.page-hero{background:radial-gradient(circle at 85% 0%,#DCE9FF 0,transparent 55%),linear-gradient(180deg,#fff,var(--sky-2)); padding:38px 0 30px}
.crumbs{font-size:14px; color:var(--muted); margin-bottom:14px}
.crumbs a{color:var(--muted); text-decoration:none}
.crumbs a:hover{color:var(--blue)}
.crumbs .sep{margin:0 8px; opacity:.6}
.lede{font-size:1.12rem; color:var(--text); max-width:820px}
.meta-line{display:flex; flex-wrap:wrap; gap:10px 18px; font-size:14px; color:var(--muted); margin-top:6px}
.meta-line span{display:inline-flex; align-items:center; gap:6px}
.chip{display:inline-flex; align-items:center; gap:6px; background:#fff; border:1px solid var(--line); border-radius:999px; padding:4px 12px; font-size:13.5px; font-weight:700; color:var(--navy)}
.i{width:1em; height:1em; flex:none; vertical-align:-0.14em; stroke-width:2}
.meta-line .i{color:var(--blue)}
.ic .i{width:1.05em; height:1.05em}
.icon-list .ic, .hub-card .ic{color:var(--blue)}
.callout .ic{color:var(--blue)} .callout.warn .ic{color:#B7791F} .callout.risk .ic{color:#C53030} .callout.ok .ic{color:#2F855A}

/* Sisältöasettelu */
.layout{display:grid; grid-template-columns:minmax(0,1fr) 300px; gap:44px; padding:30px 0 60px}
.layout > *, .home-hero .grid > *{min-width:0}
.article{background:#fff; border:1px solid var(--line); border-radius:var(--r-lg); padding:34px 40px; box-shadow:var(--shadow-sm)}
.article > h2:first-child{margin-top:0}
.side{position:relative}
.side-card{position:sticky; top:96px; background:#fff; border:1px solid var(--line); border-radius:var(--r-md); padding:20px; box-shadow:var(--shadow-sm)}
.side-card h4{margin:0 0 10px; font-size:14px; text-transform:uppercase; letter-spacing:.06em; color:var(--muted)}
.toc a{display:block; padding:6px 10px; border-radius:10px; text-decoration:none; color:var(--ink); font-size:14.5px}
.toc a:hover{background:var(--sky)}
.side-card + .side-card{margin-top:16px; position:static}

/* Visuaaliset luettelot */
.icon-list{list-style:none; padding:0; margin:18px 0 22px; display:grid; gap:12px}
.icon-list li{display:flex; gap:14px; align-items:flex-start; background:var(--sky-2); border:1px solid var(--line); border-radius:var(--r-sm); padding:14px 16px}
.icon-list .ic{flex:none; width:34px; height:34px; border-radius:11px; background:var(--sky); color:var(--blue-dark); display:flex; align-items:center; justify-content:center; font-size:17px}
.icon-list b{color:var(--navy)}
.steps{counter-reset:s; list-style:none; padding:0; margin:18px 0 22px; display:grid; gap:12px}
.steps li{counter-increment:s; position:relative; padding:14px 16px 14px 62px; background:#fff; border:1px solid var(--line); border-radius:var(--r-sm)}
.steps li::before{content:counter(s); position:absolute; left:16px; top:13px; width:32px; height:32px; border-radius:50%; background:var(--blue); color:#fff; font-family:'Outfit',sans-serif; font-weight:700; display:flex; align-items:center; justify-content:center}

/* Hub-kortit */
/* Korttiruudukot: sarakemäärä korttien määrän mukaan, vajaa rivi keskitetään */
.hub-grid{--cols:3; --gap:16px; display:flex; flex-wrap:wrap; justify-content:center; gap:var(--gap); margin:20px 0}
.hub-grid > *{flex:0 0 calc((100% - (var(--cols) - 1) * var(--gap)) / var(--cols)); min-width:0}
.hub-grid:has(> :only-child), .hub-grid:has(> :nth-child(2):last-child), .hub-grid:has(> :nth-child(4):last-child), .hub-grid:has(> :nth-child(8):last-child), .hub-grid:has(> :nth-child(10):last-child){--cols:2}
@media(max-width:760px){.hub-grid{--cols:2 !important}}
@media(max-width:520px){.hub-grid{--cols:1 !important}}
.hub-card{display:flex; flex-direction:column; gap:8px; background:#fff; border:1px solid var(--line); border-radius:var(--r-md); padding:20px; text-decoration:none; color:var(--text); transition:transform .15s, box-shadow .15s, border-color .15s}
.hub-card:hover{transform:translateY(-3px); box-shadow:var(--shadow); border-color:#B9CEF2; color:var(--text)}
.hub-card .ic{width:46px; height:46px; border-radius:15px; background:var(--sky); display:flex; align-items:center; justify-content:center; font-size:22px}
.hub-card strong{font-family:'Outfit',sans-serif; font-size:1.08rem; color:var(--navy); overflow-wrap:break-word; hyphens:auto}
.hub-card span{font-size:14.5px; color:var(--muted)}
.hub-card .go{margin-top:auto; font-weight:800; color:var(--blue-dark); font-size:14.5px}

/* Huomio- ja tietolaatikot */
.callout{position:relative; display:flex; gap:14px; border-radius:var(--r-md); padding:18px 20px; margin:22px 0; background:var(--sky); border:1px solid #CFE0FB}
.callout .ic{flex:none; font-size:22px; line-height:1.3}
.callout p:last-child{margin-bottom:0}
.callout.warn{background:var(--amber-bg); border-color:#F4DDA6}
.callout.risk{background:var(--red-bg); border-color:#F3C3BE}
.callout.ok{background:var(--green-bg); border-color:#BFE6D2}
.callout .more{all:unset; cursor:pointer; font-weight:800; color:var(--blue-dark); font-size:14.5px}
.callout .more:hover{text-decoration:underline}

/* Taulukot */
.table-wrap{overflow-x:auto; margin:20px 0; border:1px solid var(--line); border-radius:var(--r-md)}
table{width:100%; border-collapse:collapse; font-size:15.5px; background:#fff}
th,td{padding:12px 14px; text-align:left; border-bottom:1px solid var(--line); vertical-align:top}
th{background:var(--sky-2); font-family:'Outfit',sans-serif; color:var(--navy); font-weight:600}
tr:last-child td{border-bottom:0}
.table-note{font-size:13.5px; color:var(--muted); margin-top:-10px}

/* FAQ */
.faq{display:grid; grid-template-columns:1fr 1fr; gap:14px; margin:20px 0}
.faq details{background:#fff; border:1px solid var(--line); border-radius:var(--r-md); padding:0 18px; box-shadow:var(--shadow-sm); align-self:start}
.faq summary{list-style:none; cursor:pointer; display:flex; justify-content:space-between; gap:12px; padding:17px 0; font-weight:800; color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+"; flex:none; width:28px; height:28px; border-radius:50%; background:var(--sky); color:var(--blue-dark); display:flex; align-items:center; justify-content:center; font-size:18px; transition:transform .2s}
.faq details[open] summary::after{content:"−"}
.faq .a{padding:0 0 16px; font-size:15.5px}

/* Lähteet */
.sources{margin-top:36px; padding:18px 20px; background:var(--sky-2); border:1px dashed #C6D6F1; border-radius:var(--r-md); font-size:14.5px}
.sources h3{margin:0 0 8px; font-size:1rem}
.sources ul{margin:0; padding-left:18px}

/* Painikkeet */
.btn{display:inline-flex; align-items:center; gap:8px; background:var(--blue); color:#fff; border:0; border-radius:999px; padding:12px 22px; font-weight:800; font-size:15.5px; text-decoration:none; cursor:pointer}
.btn:hover{background:var(--blue-dark); color:#fff}
.btn.ghost{background:#fff; color:var(--blue-dark); border:1px solid var(--line)}

/* Laskurit */
.calc{background:#fff; border:1px solid var(--line); border-radius:var(--r-lg); padding:26px; box-shadow:var(--shadow-sm); margin:22px 0}
.calc h3{margin-top:0}
.calc-grid{display:grid; grid-template-columns:repeat(auto-fit,minmax(200px,1fr)); gap:14px}
.field label{display:block; font-weight:800; font-size:14px; color:var(--navy); margin-bottom:6px}
.field input,.field select{width:100%; padding:11px 13px; border:1px solid #C9D7EE; border-radius:12px; font:inherit; font-size:16px; background:#fff; color:var(--ink)}
.field input:focus,.field select:focus{outline:2px solid var(--blue-2); border-color:transparent}
.calc-out{display:grid; grid-template-columns:repeat(auto-fit,minmax(180px,1fr)); gap:12px; margin-top:18px}
.out{background:var(--sky-2); border:1px solid var(--line); border-radius:var(--r-sm); padding:14px}
.out .l{font-size:13.5px; color:var(--muted)}
.out .v{font-family:'Outfit',sans-serif; font-weight:700; font-size:1.4rem; color:var(--navy)}
.calc-note{font-size:13.5px; color:var(--muted); margin-top:12px}

/* Testauslaatikko (piilossa, kunnes kuvat ovat valmiina) */
.test-box{display:none}

/* Tekijälaatikko */
.author-box{display:flex; gap:18px; align-items:flex-start; margin-top:38px; padding:22px; background:var(--sky-2); border:1px solid var(--line); border-radius:var(--r-md)}
.author-box img{width:72px; height:72px; border-radius:50%; object-fit:cover; flex:none}
.author-box .lbl{font-size:12px; text-transform:uppercase; letter-spacing:.08em; color:var(--muted)}
.author-box .name{font-family:'Outfit',sans-serif; font-weight:700; font-size:1.15rem; color:var(--navy); text-decoration:none}
.author-box p{margin:6px 0 0; font-size:15px}

/* Ponnahdusikkuna */
.modal{position:fixed; inset:0; background:rgba(11,37,89,.45); display:none; align-items:center; justify-content:center; padding:20px; z-index:100}
.modal.open{display:flex}
.modal-box{background:#fff; border-radius:var(--r-lg); max-width:560px; width:100%; padding:28px; box-shadow:0 30px 70px -30px rgba(11,37,89,.6); position:relative; max-height:85vh; overflow:auto}
.modal-box h3{margin-top:0}
.modal-close{all:unset; cursor:pointer; position:absolute; top:14px; right:16px; width:36px; height:36px; border-radius:50%; background:var(--sky); text-align:center; line-height:36px; font-size:20px; color:var(--navy)}

/* Etusivu */
.home-hero{padding:56px 0 40px; background:radial-gradient(circle at 80% 10%,#D7E6FF 0,transparent 50%),linear-gradient(180deg,#fff,var(--sky-2))}
.home-hero .grid{display:grid; grid-template-columns:1.2fr .8fr; gap:40px; align-items:center}
.trust-row{display:flex; flex-wrap:wrap; gap:10px; margin-top:22px}
.hero-panel{background:#fff; border:1px solid var(--line); border-radius:var(--r-lg); padding:24px; box-shadow:var(--shadow)}
.section{padding:44px 0}
.section-head{max-width:760px; margin-bottom:10px}
.section-head .eyebrow{font-weight:800; font-size:13px; letter-spacing:.08em; text-transform:uppercase; color:var(--blue)}
.section-head h2{margin-top:6px}
.tile-grid{display:grid; grid-template-columns:repeat(5,minmax(0,1fr)); gap:14px; margin-top:20px}
@media(max-width:860px){.tile-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
.tile{display:flex; flex-direction:column; align-items:center; justify-content:center; gap:10px; aspect-ratio:1/1; background:#fff; border:1px solid var(--line); border-radius:28px; text-decoration:none; color:var(--navy); font-weight:800; text-align:center; padding:14px; transition:transform .15s, box-shadow .15s}
.tile:hover{transform:translateY(-3px) rotate(-1deg); box-shadow:var(--shadow); color:var(--navy)}
.tile .ic{width:52px; height:52px; border-radius:16px; background:var(--sky); color:var(--blue); display:flex; align-items:center; justify-content:center; font-size:26px}

/* Alatunniste */
.site-footer{background:var(--navy); color:#C9D8F5; padding:48px 0 26px; margin-top:20px; font-size:15px}
.site-footer a{color:#fff; text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.foot-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:30px}
.foot-grid h4{color:#fff; margin:0 0 12px; font-size:15px}
.foot-grid ul{list-style:none; margin:0; padding:0; display:grid; gap:7px}
.foot-logo{background:#fff; display:inline-block; border-radius:14px; padding:10px 14px; margin-bottom:14px}
.foot-logo img{height:30px; width:auto}
.help-row{margin-top:34px; padding-top:26px; border-top:1px solid rgba(255,255,255,.15)}
.help-row h4{color:#fff; margin:0 0 12px; font-size:15px}
.help-tiles{display:grid; grid-template-columns:repeat(auto-fill,minmax(190px,1fr)); gap:10px}
.help-tile{display:flex; align-items:center; gap:10px; background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.14); border-radius:14px; padding:11px 14px; font-weight:700; color:#fff}
.help-tile:hover{background:rgba(255,255,255,.13); text-decoration:none!important}
.help-tile .ic{width:34px; height:34px; border-radius:10px; background:#fff; color:var(--navy); display:flex; align-items:center; justify-content:center; font-family:'Outfit',sans-serif; font-weight:800; font-size:13px; flex:none}
.help-tile small{display:block; font-weight:400; color:#C9D8F5; font-size:12.5px}
.foot-warn{margin-top:26px; padding:16px 18px; border-radius:14px; background:rgba(255,193,7,.1); border:1px solid rgba(255,193,7,.35); color:#FFE9B0; font-size:14.5px}
.foot-bottom{margin-top:24px; font-size:13.5px; color:#9FB4DB; display:grid; gap:6px}

/* Mobiili */
@media (max-width:980px){
  .layout{grid-template-columns:minmax(0,1fr)} .side{display:none}
  .home-hero .grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .nav-links{display:none} .nav-toggle{display:flex}
  .mobile-nav.open{display:block; border-top:1px solid var(--line); padding:8px 0 16px}
  .mnav-group{border-bottom:1px solid var(--line)}
  .mnav-head{all:unset; cursor:pointer; display:flex; justify-content:space-between; width:100%; padding:14px 4px; font-weight:800; color:var(--navy); box-sizing:border-box}
  .mnav-sub{display:none; padding:0 0 10px 10px}
  .mnav-group.open .mnav-sub{display:block}
  .mnav-sub a{display:block; padding:8px 4px; text-decoration:none; color:var(--ink)}
  .mnav-single{display:block; padding:14px 4px; font-weight:800; color:var(--navy); text-decoration:none; border-bottom:1px solid var(--line)}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .article{padding:22px 18px; border-radius:20px}
  .faq{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .topline .hide-sm{display:none}
  .wrap{padding:0 16px}
}
/* Kuvakaappaukset sisällössä */
.shot{margin:22px 0}
.shot a{display:block; border:1px solid var(--line); border-radius:var(--r-md); overflow:hidden; background:#fff; cursor:zoom-in}
.shot img{width:100%; height:auto}
.shot figcaption{font-size:14px; color:var(--muted); margin-top:8px; line-height:1.5}
/* Kuvien suurennus (lightbox) */
.lightbox{position:fixed; inset:0; z-index:300; background:rgba(8,22,48,.92); display:flex; flex-direction:column; align-items:center; justify-content:center; padding:56px 20px 20px; opacity:0; visibility:hidden; transition:opacity .18s}
.lightbox.is-open{opacity:1; visibility:visible}
.lightbox-stage{width:100%; max-width:1200px; flex:1 1 auto; min-height:0; display:flex; align-items:center; justify-content:center; overflow:hidden}
.lightbox-img{max-width:100%; max-height:100%; width:auto; height:auto; border-radius:12px; background:#fff; box-shadow:0 20px 60px -20px rgba(0,0,0,.6); cursor:zoom-in}
.lightbox.zoomed .lightbox-stage{display:block; overflow:auto; -webkit-overflow-scrolling:touch}
.lightbox.zoomed .lightbox-img{max-width:none; max-height:none; height:auto; cursor:zoom-out; border-radius:0}
.lightbox-cap{color:#E6EEFB; font-size:14.5px; text-align:center; max-width:820px; margin:12px auto 0; line-height:1.5}
.lightbox-close{position:absolute; top:12px; right:14px; width:40px; height:40px; border-radius:50%; border:1px solid rgba(255,255,255,.35); background:rgba(255,255,255,.12); color:#fff; font-size:24px; line-height:1; cursor:pointer}
.lightbox-arrow{position:absolute; top:50%; transform:translateY(-50%); width:44px; height:44px; border-radius:50%; border:1px solid rgba(255,255,255,.35); background:rgba(8,22,48,.6); color:#fff; font-size:26px; line-height:1; cursor:pointer; z-index:2}
.lightbox-arrow.prev{left:12px} .lightbox-arrow.next{right:12px}
.lightbox-close:hover, .lightbox-arrow:hover{background:rgba(255,255,255,.25)}
@media(max-width:640px){.lightbox{padding:56px 8px 12px} .lightbox-arrow{width:38px; height:38px; font-size:22px} .lightbox-arrow.prev{left:4px} .lightbox-arrow.next{right:4px}}
/* Kuvakollaasi: useampi kuvakaappaus samassa kuvassa, klikkaus avaa suurennuksen */
.shot.gallery .gallery-grid{display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:10px}
.shot.gallery .gallery-grid:has(> :nth-child(3):last-child){grid-template-columns:repeat(3,minmax(0,1fr))}
.shot.gallery a{aspect-ratio:16/10}
.shot.gallery img{width:100%; height:100%; object-fit:cover; object-position:top left; transition:transform .2s}
.shot.gallery a:hover img{transform:scale(1.03)}
@media(max-width:520px){.shot.gallery .gallery-grid{gap:6px}}
/* Kuvituskuvat sisällössä (ei suurennusta) */
.illu{margin:18px 0 22px}
.illu img{width:100%; height:auto; border-radius:var(--r-md)}
/* Testit, tarkistuslistat ja apuohjain */
.quiz-q{border:0; margin:0 0 18px; padding:0}
.quiz-q legend{font-weight:800; color:var(--navy); margin-bottom:8px; padding:0}
.quiz-opts{display:flex; flex-wrap:wrap; gap:8px}
.quiz-opts label{display:inline-flex; align-items:center; gap:7px; border:1px solid #C9D7EE; border-radius:999px; padding:7px 14px; font-size:15px; cursor:pointer; background:#fff}
.quiz-opts label:hover{border-color:var(--blue-2)}
.quiz-opts input{accent-color:var(--blue)}
.quiz-opts label:has(input:checked){background:var(--sky); border-color:var(--blue); color:var(--navy); font-weight:700}
.check-list{display:grid; gap:8px; margin:0 0 16px}
.check-list label{display:flex; gap:12px; align-items:flex-start; background:var(--sky-2); border:1px solid var(--line); border-radius:var(--r-sm); padding:12px 14px; cursor:pointer; line-height:1.5}
.check-list input{margin-top:4px; width:18px; height:18px; flex:none; accent-color:var(--blue)}
.check-list label:has(input:checked){background:var(--amber-bg); border-color:#F4DDA6}
.quiz-result{border-radius:var(--r-md); padding:18px 20px; margin-top:18px; background:var(--green-bg); border:1px solid #BFE6D2}
.quiz-result.warn{background:var(--amber-bg); border-color:#F4DDA6}
.quiz-result.risk{background:var(--red-bg); border-color:#F3C3BE}
.quiz-result h4{margin:0 0 6px; color:var(--navy)}
.quiz-result p:last-child,.quiz-result ul:last-child{margin-bottom:0}
.quiz-result .big{font-family:'Outfit',sans-serif; font-size:2rem; font-weight:700; color:var(--navy); line-height:1.2}
.out .v.sm{font-size:1.05rem; line-height:1.45}
.out .v.sm small{font-family:'Nunito Sans',sans-serif; font-weight:400; color:var(--muted)}
.apu-box{margin-top:16px}
.apu-box ul{margin:8px 0 0}
.letter-out{width:100%; min-height:340px; padding:16px; border:1px solid #C9D7EE; border-radius:var(--r-sm); font:15px/1.6 Georgia,'Times New Roman',serif; color:var(--ink); background:#fff; resize:vertical; box-sizing:border-box}
.btn-row{display:flex; flex-wrap:wrap; gap:10px; margin-top:12px}
.field textarea{width:100%; padding:11px 13px; border:1px solid #C9D7EE; border-radius:12px; font:inherit; font-size:16px; box-sizing:border-box}
.debt-row{display:grid; grid-template-columns:1.4fr 1fr .8fr 1fr; gap:10px; margin-bottom:10px}
.debt-row.head{font-weight:800; font-size:13.5px; color:var(--navy); margin-bottom:4px}
@media(max-width:640px){.debt-row{grid-template-columns:1fr 1fr} .debt-row.head{display:none} .debt-row input::placeholder{color:var(--muted)}}
.debt-row input{width:100%; padding:10px 12px; border:1px solid #C9D7EE; border-radius:12px; font:inherit; font-size:16px; box-sizing:border-box}
/* Apupalkki etusivulla ja velkasivuilla */
.help-bar{background:var(--navy); color:#fff; font-size:14.5px}
.help-bar .wrap{display:flex; flex-wrap:wrap; gap:6px 22px; align-items:center; padding-top:9px; padding-bottom:9px}
.help-bar b{color:#fff}
.help-bar a{color:#fff; text-decoration:underline; text-underline-offset:2px}
.help-bar span{color:#C9D8F5}
[hidden]{display:none!important}