:root{--navy:#001426;--ink:#102d34;--muted:#63767b;--cream:#f8f5ee;--paper:#fffdf8;--teal:#007d7d;--aqua:#00a9b8;--line:#d9e6e4;--soft:#eaf7f6;--red:#b6463f;--serif:"Playfair Display",Georgia,serif;--sans:"Source Sans 3",Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.55}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}.site-header{height:66px;position:sticky;top:0;z-index:20;background:#fff;display:flex;align-items:center;justify-content:space-between;padding:0 5%;box-shadow:0 1px 0 rgba(0,20,38,.08)}.brand img{height:42px;width:auto}.main-nav{display:flex;gap:30px;font-size:15px}.main-nav a{color:#375157}.main-nav a:hover{color:var(--teal)}.header-actions{display:flex;align-items:center;gap:15px;font-weight:600}.phone{color:var(--teal);font-size:15px}.button{display:inline-flex;justify-content:center;align-items:center;gap:8px;padding:12px 20px;background:var(--teal);color:#fff;border:1px solid var(--teal);border-radius:5px;font:700 16px var(--sans);cursor:pointer;transition:.2s ease}.button:hover{background:#005e60;border-color:#005e60;transform:translateY(-1px)}.button-small{padding:9px 16px;font-size:15px}.button-full{width:100%}.button-secondary{background:transparent;color:var(--teal)}.eyebrow{display:inline-block;margin:0 0 10px;color:var(--teal);font-weight:700;font-size:13px;letter-spacing:.09em;text-transform:uppercase}.hero{min-height:670px;display:grid;grid-template-columns:minmax(0,1.07fr) minmax(420px,.93fr);background:var(--navy)}.hero-copy{padding:106px max(8%,calc((100vw - 1100px)/2)) 88px max(8%,calc((100vw - 1100px)/2));padding-right:8%;color:#d7e2e4;display:flex;flex-direction:column;justify-content:center}.hero .eyebrow{border:1px solid #007580;padding:5px 13px;border-radius:100px;color:#70c7c8;letter-spacing:0;text-transform:none;font-size:14px;align-self:flex-start}.hero h1{font:600 clamp(46px,5.3vw,74px)/1.03 var(--serif);letter-spacing:-.04em;color:#f2f5f0;margin:20px 0 25px;max-width:760px}.hero h1 em{font-weight:600;color:#03b7c2}.hero-lead{max-width:600px;font-size:19px;line-height:1.55;color:#a8bdc2}.hero-actions{display:flex;gap:25px;align-items:center;margin-top:28px}.text-link{font-weight:700;color:#c7e6e4}.text-link span{margin-left:6px}.trust-row{display:flex;flex-wrap:wrap;gap:13px 24px;margin-top:50px;color:#8da9ad;font-size:14px}.trust-row span:before{content:"✓";color:#30b9ac;margin-right:6px}.hero-photo{overflow:hidden}.hero-photo img{height:100%;width:100%;object-fit:cover}.stats{background:#dff4f2;padding:26px 8%;display:grid;grid-template-columns:repeat(3,1fr);gap:25px;text-align:center}.stats div{border-right:1px solid #b9dedd}.stats div:last-child{border:0}.stats strong{display:block;color:var(--teal);font:600 26px var(--serif)}.stats span{font-size:14px;color:#406267}.section{padding:100px max(7%,calc((100vw - 1120px)/2));}.section-intro,.section-heading{max-width:760px}.section h2{font:600 clamp(36px,4vw,56px)/1.08 var(--serif);letter-spacing:-.035em;margin:0 0 18px;color:#173941}.section-heading>p:not(.eyebrow){color:#567077;font-size:18px}.narrative{background:var(--paper)}.narrative-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:42px;margin-top:55px}.narrative-grid div{border-top:2px solid #8ddbd9;padding-top:18px}.narrative-grid h3{font:600 25px var(--serif);margin:0 0 10px}.narrative-grid p{margin:0;color:#526b71}.treatments{background:#e9f7f6}.treatment-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:40px}.treatment-grid article{background:#fff;padding:27px 22px;min-height:210px;border-bottom:3px solid transparent}.treatment-grid article:hover{border-color:var(--teal)}.treatment-grid span{font:700 13px var(--sans);color:#14a6aa}.treatment-grid h3{font:600 26px var(--serif);margin:20px 0 10px}.treatment-grid p{margin:0;color:#5d7378;font-size:15px}.cover-card{display:grid;grid-template-columns:.8fr 1.2fr;gap:34px;background:#06323d;color:#e9f6f3;padding:38px;margin-top:26px}.cover-card p{margin:0;color:#9fc8c5}.cover-card strong{display:block;font:600 45px var(--serif);margin-top:4px}.cover-card ul{margin:0;padding-left:20px;display:grid;gap:7px}.calculator-section{background:var(--paper);display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}.calculator-copy{padding-top:34px}.note,.disclaimer{font-size:14px;color:#61787d}.calculator-card{background:#eaf7f6;border:1px solid #c7e5e3;padding:32px;box-shadow:0 12px 30px rgba(0,69,73,.08)}.person-count{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid #c8e3e1;padding-bottom:20px}.person-count>span{font-weight:700}.person-count div{display:flex;align-items:center;gap:12px}.person-count strong{font-size:24px}.person-count small{font-size:13px;color:#60787c}.counter-button{width:34px;height:34px;border-radius:50%;border:1px solid #78b9b5;background:#fff;color:var(--teal);font-size:24px;cursor:pointer}.date-fields{display:grid;gap:12px;padding:22px 0}.date-field{display:grid;grid-template-columns:1fr 1.2fr;align-items:center;gap:20px}.date-field label{font-weight:600}.date-field input{padding:11px;border:1px solid #a8cfcb;background:#fff;border-radius:4px;font:16px var(--sans)}.calculator-message{min-height:24px;color:var(--red);font-size:14px;margin-top:10px}.premium-result{background:#06323d;color:#fff;padding:24px;margin-top:18px;text-align:center}.premium-result>span{display:block;color:#a9d3cf}.premium-result strong{display:block;font:600 42px var(--serif);margin:3px 0}.premium-result .annual{font-size:14px;margin-bottom:17px}.process{background:#f1eee6;display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:center}.process-photo img{height:530px;width:100%;object-fit:cover}.process-copy ol{margin:35px 0 0;padding:0;list-style:none;counter-reset:step}.process-copy li{position:relative;padding:0 0 22px 56px;counter-increment:step}.process-copy li:before{content:counter(step,decimal-leading-zero);position:absolute;left:0;top:0;color:var(--teal);font:600 20px var(--serif)}.process-copy li:after{content:"";position:absolute;left:13px;top:30px;bottom:0;border-left:1px solid #95c6c4}.process-copy li:last-child:after{display:none}.process-copy b,.process-copy span{display:block}.process-copy span{color:#61767b}.application-section{background:#fff}.centered{text-align:center;margin:0 auto}.application-card{max-width:860px;margin:45px auto 0;background:#edf8f7;border:1px solid #c5e4e1;padding:35px}.form-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:5px;font-size:13px;color:#718488;border-bottom:1px solid #c7e3e1;padding-bottom:18px;margin-bottom:28px}.form-steps span{display:flex;gap:6px;align-items:center}.form-steps .active{font-weight:700;color:var(--teal)}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.form-field{display:grid;gap:6px}.form-field label,.health-question legend{font-weight:700;font-size:14px}.form-field input{padding:12px;border:1px solid #a9cdca;border-radius:4px;background:#fff;font:16px var(--sans)}.form-field.full{grid-column:1/-1}.type-choice,.gender-choice,.yes-no{display:flex;gap:12px;flex-wrap:wrap}.choice{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid #abcfc9;border-radius:5px;padding:10px 13px;cursor:pointer}.choice input{accent-color:var(--teal)}.health-question{border:0;border-top:1px solid #c8e2df;padding:16px 0;margin:0}.health-question:first-child{border-top:0}.form-controls{display:flex;justify-content:space-between;gap:10px;margin-top:28px}.form-controls .button:last-child{margin-left:auto}.form-summary{background:#fff;padding:22px;border-left:3px solid var(--teal)}.form-summary p{margin:0 0 12px}.faq-section{background:#e8f7f5}.faq-list{max-width:820px;margin:40px auto 0}.faq-list details{background:#fff;border-bottom:1px solid #d3e6e4}.faq-list summary{padding:21px;cursor:pointer;font-weight:700;list-style:none}.faq-list summary:after{content:"+";float:right;color:var(--teal);font-size:22px}.faq-list details[open] summary:after{content:"−"}.faq-list p{padding:0 21px 21px;margin:0;color:#597078}.site-footer{background:#001426;color:#b3c3c7;padding:55px max(7%,calc((100vw - 1120px)/2)) 25px;display:grid;grid-template-columns:1.4fr .75fr .9fr .9fr .6fr;gap:35px;position:relative}.site-footer img{background:#fff;padding:8px;border-radius:4px;width:120px}.site-footer p{font-size:14px;line-height:1.7}.site-footer h3{color:#fff;font:600 19px var(--serif);margin:0 0 12px}.site-footer a{display:block;color:#acd7d4;margin:5px 0;font-size:15px}.footer-provider img{margin-left:auto}.copyright{grid-column:1/-1;border-top:1px solid #213b49;padding-top:20px;margin:0!important;color:#7d949b;font-size:12px!important}
@media(max-width:900px){.main-nav{display:none}.hero{grid-template-columns:1fr;min-height:auto}.hero-copy{padding:80px 8%}.hero-photo{height:370px}.stats,.narrative-grid,.treatment-grid{grid-template-columns:1fr 1fr}.calculator-section,.process{grid-template-columns:1fr;gap:35px}.process-photo img{height:380px}.site-footer{grid-template-columns:1fr 1fr}.footer-provider img{margin-left:0}}@media(max-width:570px){body{font-size:16px}.site-header{padding:0 18px}.brand img{height:34px}.phone{display:none}.hero-copy{padding:65px 28px}.hero h1{font-size:45px}.hero-actions{flex-direction:column;align-items:flex-start}.stats,.narrative-grid,.treatment-grid,.site-footer{grid-template-columns:1fr}.stats div{border:0;border-bottom:1px solid #b9dedd;padding-bottom:16px}.stats div:last-child{padding:0}.section{padding:72px 24px}.cover-card{grid-template-columns:1fr;padding:26px}.cover-card strong{font-size:36px}.calculator-section{padding:72px 24px}.date-field,.form-grid{grid-template-columns:1fr}.application-card{padding:22px 16px}.form-steps{font-size:11px;overflow:hidden}.site-footer{padding:45px 24px 22px}.footer-provider img{margin:0}.hero-photo{height:290px}}

.insured-person,.health-person{background:#fff;border:1px solid #c8e2df;padding:22px;margin-top:22px}.insured-person h3,.health-person h3{font:600 24px var(--serif);color:#173941;margin:0 0 18px}.health-questionnaire-title{margin:0 0 12px}.health-person .health-question:first-of-type{border-top:0}.field-error{grid-column:1/-1;color:var(--red);font-size:14px;margin:-10px 0 0}
/* ---- Jogi oldalak ---- */
.legal-page{background:var(--paper);padding:70px max(7%,calc((100vw - 860px)/2)) 90px}
.legal-page h1{font:600 clamp(32px,4vw,46px)/1.1 var(--serif);letter-spacing:-.03em;color:#173941;margin:0 0 8px}
.legal-page .meta{color:#61787d;font-size:14px;margin:0 0 36px}
.legal-page h2{font:600 26px/1.2 var(--serif);color:#173941;margin:44px 0 12px}
.legal-page h3{font:700 17px var(--sans);margin:26px 0 8px}
.legal-page p,.legal-page li{color:#3b5259;font-size:16px;line-height:1.65}
.legal-page ul,.legal-page ol{padding-left:22px}
.legal-page table{width:100%;border-collapse:collapse;font-size:15px;margin:16px 0}
.legal-page th,.legal-page td{border:1px solid #cfe3e0;padding:10px 12px;text-align:left;vertical-align:top}
.legal-page th{background:#eaf7f6;color:#173941}
.legal-page .table-wrap{overflow-x:auto}
.legal-page mark{background:#fff1b8;padding:0 3px;border-radius:2px}
.legal-page .box{background:#eaf7f6;border-left:3px solid var(--teal);padding:16px 20px;margin:22px 0}
.legal-page a{color:var(--teal);text-decoration:underline}
.legal-page .back{display:inline-block;margin-bottom:26px;color:var(--teal);font-weight:600}
.legal-toc{background:#fff;border:1px solid #cfe3e0;padding:18px 22px;margin:0 0 30px}
.legal-toc ol{margin:0;columns:2;gap:30px}
@media(max-width:570px){.legal-toc ol{columns:1}.legal-page{padding:48px 20px 60px}}

/* ---- Mobil navigáció ---- */
.nav-toggle{display:none;background:none;border:1px solid #c7e3e1;border-radius:5px;width:40px;height:40px;cursor:pointer;color:var(--teal);font-size:22px;line-height:1}
@media(max-width:900px){.nav-toggle{display:inline-flex;align-items:center;justify-content:center}.main-nav{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;gap:0;padding:10px 18px 16px;box-shadow:0 10px 24px rgba(0,20,38,.12)}.main-nav.open{display:flex}.main-nav a{padding:12px 0;border-bottom:1px solid #e5efee;font-size:16px}}

/* ---- Feltételes űrlapmezők ---- */
.form-field[hidden]{display:none}
.summary-section{margin-bottom:24px}
.summary-section h3{font:600 24px var(--serif);color:#173941;margin:0 0 16px}
.summary-details{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:0}
.summary-details dt{font-size:14px;color:#61787d}
.summary-details dd{margin:4px 0 0;overflow-wrap:anywhere}
.summary-table-wrap{overflow-x:auto}
.summary-table{width:100%;border-collapse:collapse;font-size:15px}
.summary-table th,.summary-table td{text-align:left;padding:12px;border-bottom:1px solid #c8e2df}
.summary-table td:nth-last-child(-n+2){white-space:nowrap}
.summary-table thead,.summary-table tfoot{background:#eaf7f6}
.summary-table tfoot{font-weight:700}
.button:disabled{opacity:.5;cursor:not-allowed}
@media(max-width:570px){.summary-details{grid-template-columns:1fr}}

/* ---- Hozzájárulás ---- */
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:#3b5259;margin-top:6px}
.consent input{margin-top:4px;accent-color:var(--teal)}
.consent a{color:var(--teal);text-decoration:underline}

/* ---- Süti / adatvédelmi sáv ---- */
.notice-bar{position:fixed;left:16px;right:16px;bottom:16px;z-index:50;background:#06323d;color:#e9f6f3;padding:16px 20px;border-radius:6px;display:flex;gap:18px;align-items:center;flex-wrap:wrap;box-shadow:0 14px 34px rgba(0,20,38,.3);font-size:14px}
.notice-bar p{margin:0;flex:1 1 320px}
.notice-bar a{color:#8ddbd9;text-decoration:underline}
.notice-bar[hidden]{display:none}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--teal);color:#fff;padding:8px 12px;z-index:100}
.skip-link:focus{left:8px}
.site-footer .footer-legal a{font-size:14px}

.form-steps{grid-template-columns:repeat(5,minmax(0,1fr))}.button:disabled{opacity:.6;cursor:wait}.payment-page{max-width:780px;margin:auto;padding:60px 24px}@media(max-width:640px){.form-steps{display:flex;flex-wrap:wrap;gap:8px 16px}.form-steps span{flex:1 1 120px}}

[hidden]{display:none!important}

.insured-person-header{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:18px}.insured-person-header h3{margin:0}.insured-person-header .button{flex:0 0 auto}@media(max-width:570px){.insured-person-header{align-items:stretch;flex-direction:column}.insured-person-header .button{width:100%}}