/* financing.ee — Kasulikku artiklid (shared styles) */
:root{
  --teal:#0098AA;--teal-d:#007A8A;--teal-dd:#005f70;
  --deco:#A4DAD7;--deco-pale:#daf0ef;
  --olive:#57584F;--olive-l:#7a7b71;
  --bg:#f1f9fa;--white:#ffffff;
  --border:#cce7ea;--text:#1a1a14;--muted:#62655c;
  --shadow:rgba(0,152,170,.13);--shadow-sm:rgba(0,152,170,.07);
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Montserrat',sans-serif;background:var(--bg);color:var(--text);-webkit-font-smoothing:antialiased;overflow-x:hidden;line-height:1.7;}

/* NAV */
.un{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);padding:11px 32px;display:flex;align-items:center;gap:18px;flex-wrap:wrap;}
.un-logo{font-size:15px;font-weight:900;color:var(--teal);letter-spacing:-.3px;text-decoration:none;}
.un-logo span{color:var(--olive);}
.un-links{display:flex;gap:22px;list-style:none;margin:0 auto 0 14px;padding:0;}
.un-links a{font-size:12px;font-weight:600;letter-spacing:.3px;color:var(--muted);text-decoration:none;transition:color .15s;}
.un-links a:hover,.un-links a.active{color:var(--teal);}
.un-cta{background:var(--teal);color:#fff;font-size:12px;font-weight:700;padding:9px 18px;border-radius:6px;white-space:nowrap;text-decoration:none;transition:background .18s;}
.un-cta:hover{background:var(--teal-d);}
.un-toggle{display:none;background:none;border:none;font-size:22px;line-height:1;color:var(--teal);cursor:pointer;margin-left:auto;}

/* ARTICLE HEADER */
.art-head{background:linear-gradient(150deg,var(--teal-dd) 0%,var(--teal) 60%,#009eb2 100%);padding:54px 24px 48px;color:#fff;}
.art-head-inner{max-width:760px;margin:0 auto;}
.breadcrumb{font-size:11px;font-weight:600;letter-spacing:.6px;text-transform:uppercase;color:rgba(255,255,255,.7);margin-bottom:18px;}
.breadcrumb a{color:rgba(255,255,255,.85);text-decoration:none;}
.breadcrumb a:hover{color:#fff;}
.art-tag{display:inline-block;font-size:10px;font-weight:700;letter-spacing:2px;text-transform:uppercase;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);color:#fff;padding:5px 14px;border-radius:50px;margin-bottom:18px;}
.art-head h1{font-size:clamp(25px,3.6vw,38px);font-weight:900;line-height:1.18;letter-spacing:-1px;color:#fff;}

/* ARTICLE BODY */
.art-wrap{max-width:760px;margin:0 auto;padding:48px 24px 20px;}
.art-lead{font-size:17px;color:var(--text);line-height:1.7;margin-bottom:22px;}
.art-wrap p{font-size:15.5px;color:#2a2a22;margin-bottom:18px;}
.art-wrap h2{font-size:22px;font-weight:800;color:var(--text);letter-spacing:-.4px;margin:38px 0 14px;line-height:1.3;}
.art-wrap h3{font-size:16.5px;font-weight:700;color:var(--teal-d);margin:26px 0 10px;}
.art-wrap ul{margin:0 0 18px 0;padding-left:6px;list-style:none;}
.art-wrap ul li{position:relative;font-size:15px;color:#2a2a22;line-height:1.6;padding:7px 0 7px 30px;border-bottom:1px solid var(--border);}
.art-wrap ul li:last-child{border-bottom:none;}
.art-wrap ul li::before{content:'✓';position:absolute;left:0;top:7px;color:var(--teal-d);font-size:12px;font-weight:700;}
.art-wrap ul.plain li::before{content:'–';color:var(--olive-l);}
.art-wrap a.inline{color:var(--teal-d);font-weight:600;text-decoration:underline;text-underline-offset:2px;}
.art-wrap a.inline:hover{color:var(--teal);}
.art-wrap strong{font-weight:700;color:var(--text);}

/* LAW QUOTE / CALLOUT */
.law-box{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--deco);border-radius:10px;padding:18px 22px;margin:0 0 20px;}
.law-box .law-ref{font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--teal-d);margin-bottom:8px;}
.law-box p{font-size:14px;color:var(--muted);margin-bottom:10px;line-height:1.65;}
.law-box p:last-child{margin-bottom:0;}
.callout{background:var(--deco-pale);border-radius:10px;padding:18px 22px;margin:0 0 22px;font-size:14.5px;color:var(--teal-dd);line-height:1.6;}
.callout strong{color:var(--teal-dd);}

/* EXAMPLE BOX */
.ex-box{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:22px 24px;margin:0 0 22px;box-shadow:0 4px 18px var(--shadow-sm);}
.ex-box .ex-title{font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--teal);margin-bottom:12px;}
.ex-box p{font-size:14.5px;margin-bottom:8px;}
.ex-box .ex-total{font-weight:700;color:var(--text);border-top:1px solid var(--border);padding-top:10px;margin-top:6px;}

/* CTA BOX */
.art-cta{background:var(--white);border:1px solid var(--border);border-left:5px solid var(--teal);border-radius:14px;padding:30px 32px;margin:40px 0 26px;box-shadow:0 8px 30px var(--shadow-sm);}
.art-cta h2{margin-top:0;font-size:21px;}
.art-cta p{font-size:15px;color:var(--muted);margin-bottom:22px;}
.cta-btn{display:inline-block;background:var(--teal);color:#fff;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;padding:14px 32px;border-radius:8px;text-decoration:none;letter-spacing:.2px;transition:background .18s,transform .16s;}
.cta-btn:hover{background:var(--teal-d);transform:translateY(-2px);}
.cta-alt{display:block;margin-top:14px;font-size:13px;color:var(--muted);}
.cta-alt a{color:var(--teal-d);font-weight:600;text-decoration:none;}
.cta-alt a:hover{text-decoration:underline;}

/* DISCLAIMER */
.art-note{max-width:760px;margin:0 auto;padding:0 24px 56px;}
.art-note p{font-size:12.5px;color:var(--olive-l);line-height:1.6;border-top:1px solid var(--border);padding-top:18px;font-style:italic;}

/* HUB (listing) */
.hub-head{background:linear-gradient(150deg,var(--teal-dd) 0%,var(--teal) 55%,#009eb2 100%);padding:58px 24px 50px;color:#fff;text-align:center;}
.hub-head .sec-tag{font-size:10px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--deco);margin-bottom:12px;}
.hub-head h1{font-size:clamp(28px,4vw,42px);font-weight:900;letter-spacing:-1px;line-height:1.15;color:#fff;margin-bottom:14px;}
.hub-head p{font-size:15px;color:rgba(255,255,255,.8);max-width:560px;margin:0 auto;line-height:1.65;}
.hub-wrap{max-width:1040px;margin:0 auto;padding:50px 24px 30px;}
.hub-cat{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--teal);margin:34px 0 16px;}
.hub-cat:first-child{margin-top:0;}
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.hub-card{background:var(--white);border:1px solid var(--border);border-radius:12px;overflow:hidden;transition:box-shadow .2s,transform .2s;text-decoration:none;color:inherit;display:flex;flex-direction:column;}
.hub-card:hover{box-shadow:0 10px 32px var(--shadow);transform:translateY(-3px);}
.hub-thumb{height:120px;background:var(--deco-pale);display:flex;align-items:center;justify-content:center;font-size:36px;}
.hub-body{padding:20px 22px 22px;display:flex;flex-direction:column;flex-grow:1;}
.hub-tag{font-size:9.5px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:var(--teal);margin-bottom:8px;}
.hub-card h3{font-size:15px;font-weight:700;color:var(--text);line-height:1.4;margin-bottom:8px;}
.hub-card p{font-size:12.5px;color:var(--muted);line-height:1.6;flex-grow:1;}
.hub-link{font-size:11.5px;font-weight:700;color:var(--teal);margin-top:14px;display:inline-block;}

/* FOOTER */
.uf{background:var(--olive);color:#fff;padding:46px 32px 26px;}
.uf-inner{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px;}
.uf-logo{font-size:18px;font-weight:900;color:#fff;letter-spacing:-.5px;margin-bottom:12px;}
.uf-logo span{color:var(--deco);}
.uf-tag{font-size:12.5px;color:rgba(255,255,255,.6);line-height:1.65;max-width:300px;}
.uf-col h4{font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:13px;}
.uf-col a{display:block;font-size:12.5px;color:rgba(255,255,255,.68);margin-bottom:9px;text-decoration:none;transition:color .15s;}
.uf-col a:hover{color:var(--deco);}
.uf-bottom{max-width:1000px;margin:30px auto 0;padding-top:18px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:11px;color:rgba(255,255,255,.4);}

@media(max-width:900px){
  .hub-grid{grid-template-columns:repeat(2,1fr);}
}
@media(max-width:760px){
  .un{padding:11px 18px;}
  .un-links{flex-basis:100%;flex-direction:column;gap:0;margin:6px 0 0;display:none;}
  .un-links.open{display:flex;}
  .un-links li{border-top:1px solid var(--border);}
  .un-links a{display:block;padding:12px 2px;}
  .un-cta{display:none;}
  .un-toggle{display:block;}
  .art-head{padding:40px 18px 36px;}
  .art-wrap{padding:36px 18px 16px;}
  .art-cta{padding:26px 22px;}
  .hub-wrap{padding:36px 18px 16px;}
  .hub-grid{grid-template-columns:1fr;}
  .uf{padding:38px 18px 22px;}
  .uf-inner{grid-template-columns:1fr;gap:26px;}
  .uf-bottom{flex-direction:column;}
}