:root{--navy:#0f1b3d;--navy-2:#16245a;--blue:#2657e6;--blue-d:#1d44b8;--green:#15803d;--ink:#1a2233;--muted:#5b6680;--line:#e6e9f2;--bg:#fff;--bg-soft:#f5f7fc;--radius:12px;--maxw:1080px;--font:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--font);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;margin:0;line-height:1.6}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:var(--maxw);margin:0 auto;padding:0 1.1rem}img,iframe{max-width:100%;height:auto}main{min-height:60vh}h1,h2,h3,h4{color:var(--navy);line-height:1.25}h1{margin:0 0 .6rem;font-size:clamp(1.7rem,4vw,2.5rem)}h2{margin:2.2rem 0 .8rem;font-size:1.45rem}h3{margin:1.6rem 0 .5rem;font-size:1.15rem}p{margin:0 0 1rem}.muted{color:var(--muted)}.small{font-size:.85rem}.site-header{border-bottom:1px solid var(--line);z-index:20;background:#fff;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:1rem;height:62px;display:flex;position:relative}.brand{color:var(--navy);align-items:center;gap:.5rem;font-size:1.18rem;display:inline-flex}.brand:hover{text-decoration:none}.brand-mark{background:var(--blue);color:#fff;border-radius:7px;place-items:center;width:28px;height:28px;font-size:.95rem;font-weight:800;display:grid}.brand-name{font-weight:600}.brand-name strong{font-weight:800}.nav{align-items:center;gap:1.3rem;font-size:.95rem;display:flex}.nav a{color:var(--ink);padding:.3rem 0}.nav-toggle{display:none}.nav-burger{cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:42px;height:42px;margin:-4px 0;display:none}.nav-burger span{background:var(--navy);border-radius:2px;width:22px;height:2px;transition:transform .2s,opacity .2s;display:block}.hero{background:linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);color:#fff;padding:3rem 0 2.4rem}.hero h1{color:#fff}.hero p.lead{color:#d7def2;max-width:60ch;margin-bottom:1.4rem;font-size:1.12rem}.hero .stamp{color:#aab6dd;font-size:.85rem}.snapshot{grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:1rem;margin:1.6rem 0;display:grid}.stat{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:1.1rem 1.2rem}.hero .stat{background:#ffffff0f;border-color:#ffffff29}.hero .stat .stat-label,.hero .stat .stat-sub{color:#c3cdec}.hero .stat .stat-value{color:#fff}.stat-label{color:var(--muted);text-transform:uppercase;letter-spacing:.03em;font-size:.82rem}.stat-value{color:var(--navy);margin:.2rem 0;font-size:1.9rem;font-weight:800}.stat-sub{color:var(--muted);font-size:.82rem}.section{padding:1.4rem 0}.prose{max-width:72ch}.prose ul,.prose ol{padding-left:1.2rem}.prose li{margin:.35rem 0}.answer{background:var(--bg-soft);border-left:4px solid var(--blue);border-radius:8px;margin:0 0 1.4rem;padding:1rem 1.2rem}.answer strong{color:var(--navy)}.card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:1.3rem}.notice{border-radius:var(--radius);background:#fff7ed;border:1px solid #fed7aa;padding:1rem 1.2rem;font-size:.95rem}.notice strong{color:#9a3412}.grid-2{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem;display:grid}.tile{border:1px solid var(--line);border-radius:var(--radius);color:var(--ink);background:#fff;padding:1.2rem;transition:border-color .15s,transform .15s;display:block}.tile:hover{border-color:var(--blue);text-decoration:none;transform:translateY(-2px)}.tile h3{margin-top:0}.tile .arrow{color:var(--blue);font-weight:700}.btn{background:var(--blue);color:#fff;border-radius:9px;padding:.7rem 1.2rem;font-weight:600;display:inline-block}.btn:hover{background:var(--blue-d);text-decoration:none}.breadcrumbs{color:var(--muted);padding:1rem 0 .2rem;font-size:.85rem}.breadcrumbs a{color:var(--muted)}.source{color:var(--muted);border-top:1px solid var(--line);margin-top:2rem;padding-top:1rem;font-size:.85rem}.site-footer{background:var(--navy);color:#c3cdec;margin-top:3rem;padding:2.4rem 0 1.4rem}.footer-grid{grid-template-columns:1.4fr 1fr 1fr;gap:1.6rem;display:grid}.site-footer h4{color:#fff;margin:0 0 .6rem;font-size:.95rem}.site-footer a{color:#c3cdec;margin:.3rem 0;font-size:.92rem;display:block}.brand-footer{color:#fff;margin-bottom:.6rem}.brand-footer .brand-name{color:#fff}.footer-bottom{color:#97a3cc;border-top:1px solid #ffffff1f;margin-top:1.6rem;padding-top:1rem;font-size:.82rem}.rate-table-wrap{border:1px solid var(--line);border-radius:var(--radius);margin:1rem 0;overflow-x:auto}.rate-table{border-collapse:collapse;width:100%;min-width:560px;font-size:.94rem}.rate-table thead th{background:var(--bg-soft);color:var(--navy);text-align:left;text-transform:uppercase;letter-spacing:.02em;border-bottom:1px solid var(--line);padding:.7rem .8rem;font-size:.8rem}.rate-table td{border-bottom:1px solid var(--line);vertical-align:middle;padding:.7rem .8rem}.rate-table tbody tr:last-child td{border-bottom:none}.rate-table .col-num{text-align:right;white-space:nowrap}.rate-table .col-rank{width:2rem;color:var(--muted);text-align:center}.rate-table .bank{color:var(--navy);font-weight:600}.rate-table tr.is-cheapest{background:#f0f7f1}.rate-table tr.is-cheapest td .bank{color:var(--green)}.summary-strip{grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:.8rem;margin:1rem 0;display:grid}.summary-strip .stat{padding:.9rem 1rem}.badge{white-space:nowrap;border-radius:999px;padding:.12rem .5rem;font-size:.72rem;display:inline-block}.badge-medlem{color:#3730a3;background:#eef2ff}.badge-pakke{color:#9a3412;background:#fff7ed}.badge-open{color:#166534;background:#ecfdf5}.table-caption{color:var(--muted);margin:.2rem 0 .4rem;font-size:.9rem}.seg-nav{flex-wrap:wrap;gap:.5rem;margin:1rem 0;display:flex}.seg-nav a{border:1px solid var(--line);color:var(--ink);border-radius:999px;padding:.4rem .9rem;font-size:.9rem}.seg-nav a:hover{border-color:var(--blue);text-decoration:none}.codeblock{background:var(--navy);color:#e6ecff;border-radius:10px;margin:.6rem 0 1rem;padding:1rem 1.1rem;font-size:.88rem;line-height:1.5;overflow-x:auto}.codeblock code{white-space:pre;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace}code{background:var(--bg-soft);border-radius:4px;padding:.1rem .35rem;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.9em}.codeblock code{background:0 0;padding:0}.article{max-width:760px}.article-meta{color:var(--muted);border-bottom:1px solid var(--line);margin-bottom:1rem;padding-bottom:.8rem;font-size:.85rem}.article-intro{color:var(--ink);font-size:1.12rem}.takeaways{background:var(--bg-soft);border-left:4px solid var(--blue);border-radius:8px;margin:1.4rem 0;padding:1rem 1.2rem}.takeaways strong{color:var(--navy);margin-bottom:.4rem;display:block}.takeaways ul{margin:0;padding-left:1.1rem}.takeaways li{margin:.3rem 0}.toc{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin:1.4rem 0;padding:1rem 1.2rem}.toc strong{color:var(--navy);margin-bottom:.4rem;display:block}.toc ul{columns:2;column-gap:1.5rem;margin:0;padding-left:1.1rem}.toc li{margin:.25rem 0}.article section p{max-width:72ch}.verdict{border-radius:var(--radius);border:1px solid var(--line);margin:1rem 0;padding:.9rem 1.1rem}.verdict-god{background:#ecfdf5;border-color:#a7f3d0}.verdict-ok{background:#eff6ff;border-color:#bfdbfe}.verdict-midt{background:#fff7ed;border-color:#fed7aa}.verdict-dyr{background:#fef2f2;border-color:#fecaca}.verdict-badge-god{color:#166534;background:#ecfdf5}.verdict-badge-ok{color:#1e40af;background:#eff6ff}.verdict-badge-midt{color:#9a3412;background:#fff7ed}.verdict-badge-dyr{color:#b91c1c;background:#fef2f2}.faq-item{border-bottom:1px solid var(--line);padding:.4rem 0 .6rem}.faq-item h3{margin:.6rem 0 .3rem;font-size:1.05rem}.faq-item p{margin:0 0 .4rem}.kalk{grid-template-columns:1.1fr 1fr;align-items:start;gap:1.6rem;display:grid}.kalk-inputs{flex-direction:column;gap:1.1rem;display:flex}.kalk-inputs label{color:var(--navy);flex-direction:column;gap:.4rem;font-size:.92rem;font-weight:600;display:flex}.kalk-field{align-items:center;gap:.4rem;font-weight:400;display:flex}.kalk-field input{border:1px solid var(--line);width:100%;font-size:1rem;font-family:var(--font);border-radius:8px;padding:.5rem .6rem}.kalk-inputs input[type=range]{width:100%;accent-color:var(--blue)}.kalk-result{background:var(--bg-soft);border-radius:var(--radius);padding:1.2rem}.kalk-main{text-align:center;border-bottom:1px solid var(--line);padding-bottom:1rem}.kalk-main .stat-value{color:var(--blue);font-size:2.2rem}.kalk-sub{flex-direction:column;gap:.5rem;margin:1rem 0;display:flex}.kalk-sub>div{justify-content:space-between;display:flex}@media (max-width:760px){.nav-burger{display:flex}.nav{border-bottom:1px solid var(--line);visibility:hidden;background:#fff;flex-direction:column;align-items:stretch;gap:0;max-height:0;transition:max-height .22s;position:absolute;top:100%;left:0;right:0;overflow:hidden;box-shadow:0 10px 24px #0f1b3d1a}.nav-toggle:checked~.nav{visibility:visible;max-height:84vh}.nav a{border-top:1px solid var(--line);padding:.95rem 1.1rem;font-size:1rem}.nav a:first-child{border-top:0}.nav-toggle:checked~.nav-burger span:first-child{transform:translateY(7px)rotate(45deg)}.nav-toggle:checked~.nav-burger span:nth-child(2){opacity:0}.nav-toggle:checked~.nav-burger span:nth-child(3){transform:translateY(-7px)rotate(-45deg)}.footer-grid{grid-template-columns:1fr}.rate-table .col-hide-sm{display:none}.rate-table{min-width:0}.kalk{grid-template-columns:1fr}.toc ul{columns:1}.hero{padding:2rem 0 1.6rem}h1{font-size:clamp(1.55rem,7vw,2rem)}h2{font-size:1.3rem}.container{padding:0 1rem}.answer,.takeaways,.notice,.verdict,.card{padding-left:1rem;padding-right:1rem}}@media (max-width:380px){.brand-name{font-size:1.05rem}.stat-value{font-size:1.55rem}}