/* חומה — עמודים: דף הבית, המחשבונים, המגזין והכתבה, הטיפים, מדורי הביטוח ואזור הניהול. */

/* ---------- רשת עדינה ---------- */
.home-grid {
  background-image:
    linear-gradient(to right, oklch(0.178 0.035 264 / 4%) 1px, transparent 1px),
    linear-gradient(to bottom, oklch(0.178 0.035 264 / 4%) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: linear-gradient(to bottom, black, transparent 90%);
}

/* ---------- טיקר ---------- */
/* ---------- קרוסלת חברות הביטוח ----------
   שתי קבוצות זהות, כל אחת ברוחב מינימלי של המסך המלא. בסוף המחזור
   הקבוצה השנייה נמצאת בדיוק במקום שבו הראשונה הייתה בהתחלה, ולכן
   האיפוס בלתי נראה ואין רגע שבו נשאר חלל ריק. */
@keyframes marquee-rtl { from { transform: translateX(0); } to { transform: translateX(-100%); } }
.marquee {
  display: flex; overflow: hidden; direction: ltr; width: 100%;
  -webkit-mask-image: linear-gradient(to right, transparent, #000 6%, #000 94%, transparent);
          mask-image: linear-gradient(to right, transparent, #000 6%, #000 94%, transparent);
}
.marquee-group {
  display: flex; align-items: center; gap: 12px; flex-shrink: 0;
  min-width: 100%; justify-content: space-around; padding-inline: 6px;
  animation: marquee-rtl 40s linear infinite;
  will-change: transform;
}
/* עוצרים כשהעכבר עומד על הלוגואים (רק במכשיר עם עכבר, כדי שמגע בטלפון לא יקפיא אותם) */
@media (hover: hover) { .marquee:hover .marquee-group { animation-play-state: paused; } }
.ins-chip {
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 12px; padding: 14px 26px;
  background: var(--card-solid);
  border: 1px solid color-mix(in oklab, var(--gold) 28%, var(--border-solid));
  box-shadow: 0 1px 2px oklch(0.20 0.04 264 / 6%), 0 10px 22px -18px oklch(0.20 0.04 264 / 55%);
}
.ins-chip img { height: 26px; width: auto; max-width: 96px; object-fit: contain; flex-shrink: 0; }
.ins-word { margin-inline-start: 9px; font-size: 21px; font-weight: 800; letter-spacing: -.01em; color: var(--navy); white-space: nowrap; }
/* לוגואים כהים על שקוף נעלמים על רקע שחור במצב ניגודיות גבוהה — טלאי לבן מתחתם פותר את זה */
.a11y-contrast .ins-chip img { background: #fff !important; border-radius: 4px; padding: 2px; }

/* ---------- סליידר המחשבון ---------- */
.savings-slider {
  -webkit-appearance: none; appearance: none; width: 100%;
  height: 0.5rem; border-radius: 9999px; outline: none; cursor: pointer; margin: 0;
  background: linear-gradient(to left,
    var(--growth) 0%, var(--growth) var(--pct, 50%),
    oklch(0.90 0.02 250) var(--pct, 50%), oklch(0.90 0.02 250) 100%);
}
.savings-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 1.75rem; height: 1.75rem; border-radius: 9999px;
  background: var(--growth); border: 3px solid #fff;
  box-shadow: 0 2px 8px rgb(0 0 0 / 0.25); transition: transform .15s ease;
}
.savings-slider::-webkit-slider-thumb:hover,
.savings-slider:focus-visible::-webkit-slider-thumb { transform: scale(1.15); }
.savings-slider::-moz-range-thumb {
  width: 1.75rem; height: 1.75rem; border-radius: 9999px;
  background: var(--growth); border: 3px solid #fff;
  box-shadow: 0 2px 8px rgb(0 0 0 / 0.25); cursor: pointer;
}

/* ---------- תגיות באזור הניהול ---------- */
.src-tag {
  display: inline-block; font-size: 12px; font-weight: 600; white-space: nowrap;
  background: var(--secondary); color: var(--muted-foreground);
  border: 1px solid var(--border-solid); border-radius: 999px; padding: 3px 10px;
  max-width: 190px; overflow: hidden; text-overflow: ellipsis;
}
.topic-tag {
  display: inline-block; font-size: 12px; font-weight: 600; white-space: nowrap;
  border-radius: 999px; padding: 3px 11px; border: 1px solid transparent;
}
.topic-claims { background: color-mix(in oklab, var(--destructive) 10%, transparent);
  color: var(--destructive); border-color: color-mix(in oklab, var(--destructive) 24%, transparent); }
.topic-dup    { background: color-mix(in oklab, oklch(0.62 0.15 62) 14%, transparent);
  color: oklch(0.46 0.13 62); border-color: color-mix(in oklab, oklch(0.62 0.15 62) 30%, transparent); }
.topic-gen    { background: var(--secondary); color: var(--muted-foreground); border-color: var(--border-solid); }
.topic-policy { background: color-mix(in oklab, var(--growth) 11%, transparent);
  color: var(--growth); border-color: color-mix(in oklab, var(--growth) 26%, transparent); }

.msg-cell { max-width: 300px; }
.msg {
  display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical;
  overflow: hidden; font-size: 13.5px; line-height: 1.55; color: var(--foreground);
}

/* ---------- מחשבון דמי ניהול ---------- */
.fee-card { position: relative; }
.fee-num { font-variant-numeric: tabular-nums; letter-spacing: -.01em; }

.fee-eyebrow {
  display: inline-flex; align-items: center; gap: 7px; align-self: flex-start;
  font-size: 12.5px; font-weight: 600; letter-spacing: .04em;
  color: var(--growth);
  background: color-mix(in oklab, var(--growth) 9%, transparent);
  border: 1px solid color-mix(in oklab, var(--growth) 20%, transparent);
  border-radius: 999px; padding: 5px 12px;
}

/* בורר סוג המוצר */
.fee-seg {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 4px;
  background: var(--secondary); border: 1px solid var(--border);
  border-radius: 12px; padding: 4px;
}
.fee-seg-b {
  font: inherit; font-size: 14px; font-weight: 600; cursor: pointer;
  border: 0; background: transparent; color: var(--muted-foreground);
  border-radius: 9px; padding: 9px 6px; white-space: nowrap;
  transition: background .2s, color .2s, box-shadow .2s;
}
.fee-seg-b:hover { color: var(--foreground); }
.fee-seg-b.on {
  background: var(--card-solid); color: var(--foreground);
  box-shadow: 0 1px 2px oklch(0.30 0.06 258 / .10), 0 3px 10px -4px oklch(0.30 0.06 258 / .22);
}
.fee-seg-b:focus-visible { outline: 2px solid var(--ring); outline-offset: 1px; }

.fee-rule { height: 1px; background: var(--border); }

.fee-grp { display: flex; flex-direction: column; gap: 9px; }
.fee-glab { font-size: 13px; font-weight: 600; color: var(--foreground); }
.fee-seg-4 { grid-template-columns: repeat(2, 1fr); }
@media (min-width: 620px) { .fee-seg-4 { grid-template-columns: repeat(4, 1fr); } }

/* ---------- גרף הצמיחה ---------- */
.fee-chart-wrap {
  display: flex; flex-direction: column; gap: 10px;
  background: var(--secondary); border: 1px solid var(--border);
  border-radius: 16px; padding: 15px 15px 13px;
}
#fee-chart { display: block; width: 100%; height: 190px; max-width: 100%; }
.fee-legend { display: flex; flex-wrap: wrap; gap: 7px 18px; }
.fee-lg {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 12.5px; color: var(--muted-foreground); font-weight: 500;
}
.fee-lg i { width: 16px; height: 3px; border-radius: 99px; flex-shrink: 0; }
.fee-lg i.dash {
  background-image: linear-gradient(to right, currentColor 60%, transparent 0%);
  background-size: 7px 3px; background-repeat: repeat-x;
}
.fee-ends {
  display: flex; justify-content: space-between; gap: 12px;
  padding-top: 10px; border-top: 1px solid var(--border);
}
.fee-ends span { display: inline-flex; align-items: center; gap: 7px; font-size: 14px; }
.fee-ends i { width: 9px; height: 9px; border-radius: 50%; flex-shrink: 0; }

/* ---------- כרטיסי התוצאה ---------- */
.fee-kpis { display: grid; grid-template-columns: 1fr; gap: 11px; }
.fee-kpis.one { grid-template-columns: 1fr !important; }
.fee-kpi.flat {
  background: var(--secondary); border-color: var(--border-solid); text-align: center;
}
.fee-kpi.flat .fee-mid { font-size: 16px; line-height: 1.5; font-weight: 600; }
@media (min-width: 620px) { .fee-kpis { grid-template-columns: 1.15fr 1fr; } }
.fee-kpi {
  display: flex; flex-direction: column; gap: 5px; justify-content: center;
  border-radius: 15px; padding: 16px 17px;
  background: var(--card-solid); border: 1px solid var(--border);
}
.fee-kpi.hero {
  color: #fff; border-color: transparent;
  background: linear-gradient(145deg, oklch(0.52 0.17 254), oklch(0.34 0.12 258));
  box-shadow: 0 10px 26px -12px oklch(0.45 0.16 256 / .6);
}
.fee-kl { font-size: 12.5px; line-height: 1.5; opacity: .86; }
.fee-ks { font-size: 12px; line-height: 1.5; opacity: .78; }
.fee-kpi:not(.hero) .fee-kl, .fee-kpi:not(.hero) .fee-ks { color: var(--muted-foreground); opacity: 1; }
.fee-mid {
  font-size: clamp(22px, 3.4vw, 27px); font-weight: 700; line-height: 1.15;
  font-variant-numeric: tabular-nums; letter-spacing: -.02em; color: var(--growth);
}
.fee-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 2px; }

/* "מה אתה משלם היום" מול "ההצעה של חומה" — זה לצד זה במחשב, זה מעל זה בטלפון */
.fee-vs { display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 620px) { .fee-vs { grid-template-columns: 1fr 1fr; } }
.fee-side {
  display: flex; flex-direction: column; gap: 11px;
  border: 1px solid var(--border); border-radius: 15px; padding: 15px 16px;
  background: var(--card-solid);
}
.fee-side.homa {
  background: color-mix(in oklab, var(--growth) 7%, var(--card-solid));
  border-color: color-mix(in oklab, var(--growth) 26%, transparent);
}
.fee-side.homa .fee-glab { color: var(--growth); }
.fee-lock {
  display: flex; justify-content: space-between; align-items: baseline; gap: 10px;
  padding-block: 8px; border-bottom: 1px dashed color-mix(in oklab, var(--growth) 26%, transparent);
}
.fee-lock strong { font-size: 19px; font-weight: 700; color: var(--foreground); }

/* דמי הניהול בשקלים בשנה הקרובה */
.fee-year {
  display: flex; flex-direction: column; gap: 8px;
  border: 1px solid var(--border); border-radius: 15px; padding: 13px 16px;
  background: var(--card-solid);
}
.fee-year-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.fee-year-row strong { font-size: 20px; font-weight: 700; }

/* לוח התוצאה */
.fee-out {
  display: grid; grid-template-columns: 0.92fr 1fr; gap: 14px; align-items: stretch;
}
.fee-bars {
  display: flex; flex-direction: column; gap: 13px; justify-content: center;
  background: var(--secondary); border: 1px solid var(--border);
  border-radius: 14px; padding: 14px 15px;
}
.fee-bar {
  height: 9px; border-radius: 99px; overflow: hidden;
  background: color-mix(in oklab, var(--muted-foreground) 15%, transparent);
}
.fee-bar i {
  display: block; height: 100%; border-radius: 99px;
  background: linear-gradient(to left, var(--growth), oklch(0.50 0.17 256));
  transition: width .45s cubic-bezier(.22,1,.36,1);
}
.fee-hero {
  display: flex; flex-direction: column; gap: 4px;
  justify-content: center; align-items: center; text-align: center;
  border-radius: 14px; padding: 15px 14px; color: #fff;
  background: linear-gradient(145deg, oklch(0.52 0.17 254), oklch(0.34 0.12 258));
  box-shadow: 0 10px 26px -12px oklch(0.45 0.16 256 / .65);
}
.fee-big {
  font-size: clamp(27px, 4.6vw, 36px); font-weight: 800; line-height: 1.1;
  font-variant-numeric: tabular-nums; letter-spacing: -.03em;
}
.fee-hl { color: var(--growth); font-variant-numeric: tabular-nums; }
.fee-tick {
  display: flex; align-items: center; justify-content: center;
  width: 62px; height: 62px; border-radius: 50%;
  background: color-mix(in oklab, var(--growth) 12%, transparent); color: var(--growth);
}

@media (max-width: 760px) {
  .hero-tight { padding-block: 20px 12px !important; }
  .hero-tight h1 { font-size: clamp(27px, 7.2vw, 38px) !important; line-height: 1.16 !important; }
  .hero-tight .lead { font-size: 15.5px !important; }
}
@media (max-width: 700px) {
  .fee-out { grid-template-columns: 1fr; }
  .fee-grid { grid-template-columns: 1fr; gap: 16px; }
  .fee-seg-b { font-size: 13px; padding: 9px 4px; }
}

/* ---------- מאמר ---------- */
.prose > * { max-width: 100%; }
.prose h2 { font-size: clamp(21px, 2.5vw, 27px); margin-top: 10px; }
.prose p { font-size: 17.5px; line-height: 1.9; color: var(--muted-foreground); }
.prose ul { margin: 0; padding-inline-start: 22px; display: flex; flex-direction: column; gap: 10px; }
.prose li { font-size: 17px; line-height: 1.8; color: var(--muted-foreground); }
.prose strong { color: var(--foreground); font-weight: 600; }
.callout {
  border-inline-start: 4px solid var(--growth);
  background: color-mix(in oklab, var(--growth) 7%, transparent);
  border-radius: 0 14px 14px 0; padding: 20px 24px;
}
.quote { border: 1px solid var(--border); background: var(--secondary); border-radius: 16px; padding: 24px 26px; }

/* ---------- אדמין ---------- */
.adm { width: 100%; border-collapse: collapse; min-width: 940px; }
.adm th, .adm td { padding: 12px 14px; text-align: right; border-bottom: 1px solid var(--border); font-size: 14px; vertical-align: middle; }
.adm thead th { background: var(--secondary); font-weight: 700; font-size: 13px; color: var(--foreground); position: sticky; top: 0; z-index: 2; }
.adm tbody tr:hover { background: color-mix(in oklab, var(--secondary) 60%, transparent); }
.st { font-size: 13px; font-weight: 600; border-radius: 8px; padding: 6px 9px; border: 1px solid var(--border-solid); cursor: pointer; background: var(--card-solid); }
.st-new  { background: color-mix(in oklab, var(--growth) 10%, transparent); border-color: color-mix(in oklab, var(--growth) 30%, transparent); color: oklch(0.44 0.16 252); }
.st-work { background: color-mix(in oklab, var(--amber) 12%, transparent); border-color: color-mix(in oklab, var(--amber) 32%, transparent); color: oklch(0.5 0.13 70); }
.st-won  { background: color-mix(in oklab, var(--sky) 12%, transparent); border-color: color-mix(in oklab, var(--sky) 32%, transparent); color: oklch(0.45 0.1 220); }
.st-lost { background: var(--muted); border-color: var(--border-solid); color: var(--muted-foreground); }

/* ---------- כריכת כתבה ---------- */
.cover { position: relative; display: flex; align-items: center; justify-content: center; overflow: hidden; }
.cover.has-photo::before { display: none; }
  .cover::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(to right, oklch(1 0 0 / 5%) 1px, transparent 1px), linear-gradient(to bottom, oklch(1 0 0 / 5%) 1px, transparent 1px); background-size: 32px 32px; pointer-events: none; }
/* ======================= מרכז המחשבונים ======================= */
.calc-tabs {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 4px;
  background: var(--secondary); border: 1px solid var(--border);
  border-radius: 14px; padding: 4px;
}
.calc-tab {
  font: inherit; font-size: 14px; font-weight: 600; text-align: center;
  text-decoration: none; color: var(--muted-foreground);
  border-radius: 10px; padding: 11px 8px;
  transition: background .2s, color .2s, box-shadow .2s;
}
.calc-tab:hover { color: var(--foreground); }
.calc-tab.on {
  background: var(--card-solid); color: var(--foreground);
  box-shadow: 0 1px 2px oklch(0.30 0.06 258 / .10), 0 3px 10px -4px oklch(0.30 0.06 258 / .22);
}
.calc-tab:focus-visible { outline: 2px solid var(--ring); outline-offset: 1px; }
@media (min-width: 720px) { .calc-tabs { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 560px) { .calc-tab { font-size: 12.5px; padding: 10px 4px; } }

#comp-chart, #goal-chart { display: block; width: 100%; height: 200px; max-width: 100%; }

/* ---------- כרטיסי תוצאה ---------- */
.res-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 460px) { .res-grid { grid-template-columns: 1fr; } }
.res {
  display: flex; flex-direction: column; gap: 3px;
  border-radius: 14px; padding: 14px 16px;
  background: var(--card-solid); border: 1px solid var(--border);
}
.res.wide { grid-column: 1 / -1; }
.res.hero {
  color: #fff; border-color: transparent;
  background: linear-gradient(145deg, oklch(0.52 0.17 254), oklch(0.34 0.12 258));
  box-shadow: 0 10px 26px -12px oklch(0.45 0.16 256 / .6);
}
.res.soft { background: var(--secondary); border-color: var(--border-solid); }
.res .rl { font-size: 12.5px; line-height: 1.5; color: var(--muted-foreground); }
.res .rn { font-size: 11.5px; line-height: 1.5; color: var(--muted-foreground); }
.res.hero .rl, .res.hero .rn { color: #fff; opacity: .84; }
.res .rv {
  font-size: clamp(19px, 3.1vw, 24px); font-weight: 700; line-height: 1.2;
  font-variant-numeric: tabular-nums; letter-spacing: -.02em;
}
.res.hero .rv { font-size: clamp(26px, 5vw, 34px); }
.res .rv.sm { font-size: clamp(16px, 2.6vw, 19px); }

/* ---------- הטבלה השנתית ---------- */
.yt-wrap { border: 1px solid var(--border); border-radius: 14px; overflow: hidden; background: var(--card-solid); }
.yt-btn {
  font: inherit; font-size: 13.5px; font-weight: 600; width: 100%; cursor: pointer;
  background: var(--secondary); color: var(--foreground); border: 0;
  padding: 12px 16px; display: flex; align-items: center; justify-content: space-between; gap: 10px;
}
.yt-btn:hover { background: color-mix(in oklab, var(--secondary) 70%, var(--border)); }
.yt-btn:focus-visible { outline: 2px solid var(--ring); outline-offset: -2px; }
.yt-btn .chev { display: flex; transition: transform .25s ease; }
.yt-btn[aria-expanded="true"] .chev { transform: rotate(180deg); }
.yt-scroll { max-height: 320px; overflow: auto; }
table.yt { width: 100%; border-collapse: collapse; font-size: 13px; }
table.yt th, table.yt td {
  padding: 8px 11px; text-align: right; border-bottom: 1px solid var(--border); white-space: nowrap;
}
table.yt thead th {
  font-weight: 600; font-size: 11.5px; color: var(--muted-foreground);
  background: var(--card-solid); position: sticky; top: 0; z-index: 1;
}
table.yt td { font-variant-numeric: tabular-nums; }
table.yt tbody tr:last-child td { border-bottom: 0; }
table.yt tbody tr:last-child td { font-weight: 600; }
@media (max-width: 620px) { .yt-opt { display: none; } }

/* ---------- תרחישים ---------- */
.scen { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.scen-b {
  display: flex; flex-direction: column; gap: 3px; align-items: center; text-align: center;
  border: 1px solid var(--border); border-radius: 13px; padding: 12px 8px;
  background: var(--card-solid);
}
.scen-b.on { border-color: var(--growth); background: color-mix(in oklab, var(--growth) 7%, transparent); }
.scen-k { font-size: 11.5px; color: var(--muted-foreground); line-height: 1.4; }
.scen-v { font-size: clamp(15px, 3vw, 18px); font-weight: 700; font-variant-numeric: tabular-nums; letter-spacing: -.02em; }

/* ---------- בורר מצב ופעולות ---------- */
.calc-actions { display: flex; flex-wrap: wrap; gap: 8px; }
.calc-actions .btn { flex: 1 1 160px; }
.mini-note {
  display: flex; gap: 9px; align-items: flex-start;
  background: var(--secondary); border-radius: 12px; padding: 11px 13px;
}
/* ======================= טיפים זהב ======================= */
.tip-fil {
  font: inherit; font-size: 13.5px; font-weight: 600; cursor: pointer;
  color: var(--muted-foreground); background: var(--card-solid);
  border: 1px solid var(--border-solid); border-radius: 999px; padding: 8px 16px;
  transition: color .2s, border-color .2s, background .2s;
}
.tip-fil:hover { color: var(--foreground); border-color: var(--gold-line); }
.tip-fil.on {
  color: var(--foreground); background: var(--gold-soft);
  border-color: color-mix(in oklab, var(--gold) 55%, transparent);
}
.tip-fil:focus-visible { outline: 2px solid var(--ring); outline-offset: 2px; }

.tips-grid { display: grid; grid-template-columns: 1fr; gap: 14px; }
@media (min-width: 700px)  { .tips-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .tips-grid { grid-template-columns: repeat(3, 1fr); } }

.tip {
  position: relative; display: flex; flex-direction: column; gap: 9px;
  background: var(--card-solid); border: 1px solid var(--border-solid);
  border-radius: 16px; padding: 20px 21px 22px; overflow: hidden;
  box-shadow: 0 1px 2px oklch(0.20 0.04 264 / 5%), 0 14px 34px -24px oklch(0.20 0.04 264 / 45%);
}
/* קו הזהב בראש הכרטיס — הסימן של המדור */
.tip::before {
  content: ""; position: absolute; inset-inline: 0; top: 0; height: 2px;
  background: linear-gradient(to left, var(--gold), color-mix(in oklab, var(--gold) 18%, transparent));
}
.tip-top { display: flex; align-items: center; justify-content: space-between; gap: 10px; }
.tip-cat {
  font-size: 11.5px; font-weight: 700; letter-spacing: .02em;
  border-radius: 6px; padding: 4px 9px; white-space: nowrap;
}
.tc-0 { background: color-mix(in oklab, var(--growth) 10%, transparent); color: oklch(0.44 0.15 253); }
.tc-1 { background: color-mix(in oklab, var(--sky) 14%, transparent);    color: oklch(0.43 0.10 222); }
.tc-2 { background: var(--gold-soft);                                    color: var(--gold-deep); }
.tc-3 { background: var(--secondary);                                    color: var(--muted-foreground); }
.tip-n {
  font-size: 12px; font-weight: 800; letter-spacing: .04em;
  color: color-mix(in oklab, var(--gold) 70%, var(--muted-foreground));
  font-variant-numeric: tabular-nums;
}
.tip-h { font-size: 17.5px; font-weight: 700; line-height: 1.35; letter-spacing: -.015em; }
.tip-b { font-size: 14.5px; line-height: 1.8; color: var(--muted-foreground); }

/* ---- טופס הוספת טיפ באזור הניהול ---- */
.adm-tabs { display: flex; gap: 8px; margin-top: 16px; }
.artform { display: grid; grid-template-columns: 1fr; gap: 12px; }
.art-block { border: 1px solid var(--border); border-radius: 14px; padding: 12px 14px; display: flex; flex-direction: column; gap: 8px; background: color-mix(in oklab, var(--secondary) 35%, transparent); }
@media (min-width: 860px) {
  .artform { grid-template-columns: 1fr 1fr; }
  .artform .wide { grid-column: 1 / -1; }
}
.tipform { display: grid; grid-template-columns: 1fr; gap: 11px; }
@media (min-width: 720px) { .tipform .wide { grid-column: 1 / -1; } }
/* ================= מחשבון הוזלת הביטוחים ================= */
.save-row { display: flex; flex-direction: column; gap: 6px; }
.save-row.off { opacity: .45; }
.save-bar {
  height: 12px; border-radius: 99px; background: var(--secondary);
  border: 1px solid var(--border); overflow: hidden; display: flex;
}
/* בלי opacity על ההורה — היא הייתה מחווירה גם את החלק הצבעוני שבתוכה */
.save-fill {
  height: 100%; border-radius: 99px; display: flex; justify-content: flex-start;
  background: color-mix(in oklab, var(--muted-foreground) 30%, var(--secondary));
  transition: width .25s ease;
}
.save-cut {
  height: 100%; border-radius: 99px; background: var(--growth);
  transition: width .25s ease;
}
.save-legend {
  display: flex; flex-wrap: wrap; gap: 7px 18px; margin-top: 2px;
  font-size: 12.5px; color: var(--muted-foreground);
}
.save-legend span { display: inline-flex; align-items: center; gap: 7px; }
.save-legend i { width: 14px; height: 8px; border-radius: 99px; flex-shrink: 0; }
.save-legend i.now { background: color-mix(in oklab, var(--muted-foreground) 32%, transparent); }
.save-legend i.cut { background: var(--growth); }

/* ================= מדור הביטוחים הפרטיים ================= */
.cover-hero {
  display: grid; grid-template-columns: 1fr; gap: 18px;
  border: 1px solid var(--border-solid); border-radius: 20px;
  background: var(--card-solid); padding: 26px 24px; position: relative; overflow: hidden;
  box-shadow: 0 1px 2px oklch(0.20 0.04 264 / 5%), 0 18px 40px -26px oklch(0.20 0.04 264 / 50%);
}
.cover-hero::before {
  content: ""; position: absolute; inset-inline: 0; top: 0; height: 3px;
  background: linear-gradient(to left, var(--growth), var(--gold));
}
@media (min-width: 860px) { .cover-hero { grid-template-columns: 1fr 1.15fr; gap: 30px; align-items: start; } }

.layer-grid { display: grid; grid-template-columns: 1fr; gap: 10px; }
@media (min-width: 560px) { .layer-grid { grid-template-columns: 1fr 1fr; } }
.layer {
  display: flex; flex-direction: column; gap: 4px;
  border: 1px solid var(--border); border-radius: 13px; padding: 13px 15px;
  background: color-mix(in oklab, var(--secondary) 55%, transparent);
}
.layer strong { font-size: 14.5px; font-weight: 700; line-height: 1.35; }
.layer span { font-size: 13px; line-height: 1.65; color: var(--muted-foreground); }

.cover-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 700px)  { .cover-grid { grid-template-columns: repeat(3, 1fr); } }
.cov-card {
  display: flex; flex-direction: column; gap: 8px;
  border: 1px solid var(--border-solid); border-radius: 16px; padding: 19px 20px;
  background: var(--card-solid);
  box-shadow: 0 1px 2px oklch(0.20 0.04 264 / 5%), 0 14px 32px -26px oklch(0.20 0.04 264 / 48%);
}
.cov-card .ci {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 11px; flex-shrink: 0;
  background: color-mix(in oklab, var(--growth) 10%, transparent); color: var(--growth);
}
.cov-card h3 { font-size: 16.5px; font-weight: 700; line-height: 1.35; }
.cov-card p { font-size: 14px; line-height: 1.75; color: var(--muted-foreground); }
.cov-card .cw {
  font-size: 12.5px; line-height: 1.6; color: var(--gold-deep);
  background: var(--gold-soft); border-radius: 9px; padding: 8px 11px; margin-top: auto;
}
/* ============ עמודי הקטגוריות ומדור הלשוניות ============ */
.cat-top {
  padding: 26px 0 40px; position: relative; overflow: hidden;
  border-bottom: 1px solid var(--border);
  background:
    radial-gradient(120% 90% at 85% 0%, color-mix(in oklab, var(--growth) 9%, transparent), transparent 60%),
    color-mix(in oklab, var(--secondary) 50%, transparent);
}
.crumbs { display: flex; flex-wrap: wrap; align-items: center; gap: 7px; font-size: 12.5px;
  color: var(--muted-foreground); margin-bottom: 20px; }
.crumbs a { color: var(--muted-foreground); text-decoration: none; }
.crumbs a:hover { color: var(--growth); }
.crumbs span[aria-current] { color: var(--foreground); font-weight: 600; }

.cat-hero { display: grid; grid-template-columns: 1fr; gap: 22px; align-items: start; }
@media (min-width: 900px) { .cat-hero { grid-template-columns: 1fr 1fr; gap: 40px; } }
.cat-ico {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 13px; flex-shrink: 0;
  background: var(--growth-wash); color: var(--growth);
  border: 1px solid color-mix(in oklab, var(--growth) 20%, transparent);
}
.cat-intro { gap: 13px; }
.cat-intro p { font-size: 15.5px; line-height: 1.85; color: var(--muted-foreground); margin: 0; }
@media (min-width: 900px) {
  .cat-intro { padding-inline-start: 26px; border-inline-start: 2px solid var(--gold-line); }
}

/* הבעיה מול הפתרון — שני כרטיסים בעלי משקל חזותי שונה */
.pc-grid { display: grid; grid-template-columns: 1fr; gap: 14px; }
@media (min-width: 860px) { .pc-grid { grid-template-columns: 1fr 1fr; } }
.pc {
  border: 1px solid var(--border-solid); border-radius: 18px; padding: 22px 23px;
  display: flex; flex-direction: column; gap: 13px; background: var(--card-solid);
}
.pc-prob { background: color-mix(in oklab, var(--secondary) 62%, transparent); }
.pc-fix {
  border-color: color-mix(in oklab, var(--growth) 26%, transparent);
  box-shadow: 0 1px 2px oklch(0.20 0.04 259 / 5%), 0 16px 38px -26px oklch(0.20 0.04 259 / 52%);
  position: relative; overflow: hidden;
}
.pc-fix::before {
  content: ""; position: absolute; inset-inline: 0; top: 0; height: 3px; background: var(--grad-brand);
}
.pc-lab {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 700; letter-spacing: .06em;
}
.pc-prob .pc-lab { color: var(--muted-foreground); }
.pc-fix  .pc-lab { color: var(--growth); }
.pc-list { margin: 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 11px; }
.pc-list li {
  font-size: 14.5px; line-height: 1.75; color: var(--muted-foreground);
  padding-inline-start: 17px; position: relative;
}
.pc-list li::before {
  content: ""; position: absolute; inset-inline-start: 0; top: 9px;
  width: 6px; height: 6px; border-radius: 50%; background: var(--border-solid);
}
.pc-fix .pc-list li::before { background: var(--growth); }
.pc-fix .pc-list li { color: var(--foreground); }

.note-card {
  border: 1px solid var(--border-solid); border-radius: 16px; padding: 19px 21px;
  background: var(--card-solid); display: flex; flex-direction: column; gap: 7px;
  border-inline-start: 3px solid var(--gold);
}
.note-card strong { font-size: 16px; font-weight: 700; line-height: 1.35; }
.note-card p { margin: 0; font-size: 14px; line-height: 1.75; color: var(--muted-foreground); }

/* ---------- מדור הלשוניות בדף הבית ---------- */
.vert-tabs {
  display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 16px;
}
.vert-tab {
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px;
  padding: 10px 17px; border-radius: 9999px; font-size: 14.5px; font-weight: 600;
  border: 1px solid var(--border-solid); background: var(--card-solid);
  color: var(--muted-foreground); white-space: nowrap;
  transition: color .2s ease, border-color .2s ease, background-color .2s ease, box-shadow .2s ease;
}
.vert-tab:hover { color: var(--growth); border-color: color-mix(in oklab, var(--growth) 40%, transparent); }
.vert-tab.on {
  background: var(--growth); border-color: var(--growth); color: var(--growth-foreground);
  box-shadow: 0 8px 20px -8px color-mix(in oklab, var(--growth) 60%, transparent);
}
.vert-tab.on svg { color: currentColor; }
.vert-panel {
  display: grid; grid-template-columns: 1fr; gap: 22px; align-items: start;
  border: 1px solid var(--border-solid); border-radius: 22px; padding: 26px 24px;
  background: var(--card-solid); position: relative; overflow: hidden;
  box-shadow: 0 1px 2px oklch(0.20 0.04 259 / 5%), 0 20px 46px -28px oklch(0.20 0.04 259 / 50%);
}
.vert-panel::before {
  content: ""; position: absolute; inset-inline: 0; top: 0; height: 3px; background: var(--grad-brand);
}
@media (min-width: 960px) { .vert-panel { grid-template-columns: .85fr 1.15fr; gap: 34px; } }
.vert-cols { display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 620px) { .vert-cols { grid-template-columns: 1fr 1fr; } }
.vert-cols .pc { padding: 18px 19px; border-radius: 15px; gap: 11px; }
.vert-cols .pc-list li { font-size: 13.5px; line-height: 1.7; }

.vert-all {
  display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin-top: 16px;
  padding-top: 16px; border-top: 1px solid var(--border);
}

/* עמוד הבית: המחשבון וקליפ ההדגמה. בטלפון הקליף הוא שורה מעל המחשבון;
   במסך רחב הוא עומד לצד המחשבון ונשאר גלוי בזמן הגלילה. */
.calc-duo { display: flex; flex-direction: column; gap: 14px; width: 100%; max-width: 620px; margin-inline: auto; }
@media (min-width: 1040px) {
  .calc-duo { display: grid; grid-template-columns: 250px minmax(0, 620px); justify-content: center; gap: 34px; max-width: none; align-items: start; }
  .calc-duo > .demo { position: sticky; inset-block-start: 92px; grid-template-columns: minmax(0, 1fr); gap: 16px; padding: 14px 14px 18px; }
  /* במסך נמוך (לפטופ) המסגרת קטנה, כדי שכל הכרטיס ייכנס לגובה המסך בזמן שהוא נצמד */
  .calc-duo > .demo .demo-phone { width: min(100%, calc((100dvh - 370px) * 0.5417)); margin-inline: auto; }
}
.fee-dot { width: 9px; height: 9px; border-radius: 50%; flex-shrink: 0; display: inline-block; }

/* ---------- צור קשר בדף הבית: טופס + דרכי התקשרות ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr; gap: 16px; align-items: start; }
@media (min-width: 860px) { .contact-grid { grid-template-columns: 1.25fr 1fr; gap: 22px; } }
.contact-form { border-radius: 20px; padding: 24px 22px; }
.contact-ways { display: grid; grid-template-columns: 1fr; gap: 11px; }
@media (min-width: 560px) and (max-width: 859px) { .contact-ways { grid-template-columns: 1fr 1fr; } }
.contact-way {
  gap: 13px; border-radius: 14px; padding: 15px 17px;
  text-decoration: none; color: var(--foreground); align-items: center;
}
.contact-ic { color: var(--growth); display: flex; flex-shrink: 0; }
.contact-v {
  font-size: 17px; font-weight: 700; color: var(--foreground);
  overflow-wrap: anywhere; text-align: start;
}

/* ======================= עמודים עצמאיים ======================= */
/* אותו מבנה כמו מרכז המחשבונים (public/js/pages.js): ראש ממורכז, לשוניות
   בין העמודים האחים, וכרטיסים בעמודה אחת. */
.hub { padding-top: 34px; }
.hub-wrap { max-width: 800px; display: flex; flex-direction: column; gap: 18px; }
.hub-wrap.wide { max-width: 1120px; }
.hub-head { display: flex; flex-direction: column; gap: 9px; align-items: center; text-align: center; }
.hub-head .fee-eyebrow { align-self: center; }
.hub-h1 { line-height: 1.18; }
.hub-lede { line-height: 1.8; max-width: 60ch; }

.hub-tabs {
  display: flex; flex-wrap: wrap; gap: 4px;
  background: var(--secondary); border: 1px solid var(--border);
  border-radius: 14px; padding: 4px;
}
.hub-tab {
  flex: 1 1 auto; display: flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 600; line-height: 1.25; text-align: center;
  text-decoration: none; color: var(--muted-foreground);
  border-radius: 10px; padding: 11px 10px;
  transition: background .2s, color .2s, box-shadow .2s;
}
.hub-tab:hover { color: var(--foreground); }
.hub-tab.on {
  background: var(--card-solid); color: var(--foreground);
  box-shadow: 0 1px 2px oklch(0.30 0.06 258 / .10), 0 3px 10px -4px oklch(0.30 0.06 258 / .22);
}
.hub-tab:focus-visible { outline: 2px solid var(--ring); outline-offset: 1px; }
/* בטלפון: שלוש לשוניות בשורה, והלשונית הכללית ("כל הכיסויים") בשורה משלה */
@media (max-width: 719px) {
  .hub-tab { flex: 1 1 calc(33.333% - 4px); }
  .hub-tab.all { flex-basis: 100%; }
}
@media (max-width: 560px) { .hub-tab { font-size: 12.5px; padding: 10px 4px; } }

.hub-body { display: flex; flex-direction: column; gap: 16px; }
.hub-card { border-radius: 20px; padding: 26px 24px; display: flex; flex-direction: column; gap: 16px; }
@media (max-width: 560px) { .hub-card { padding: 22px 18px; } }
.hub-card-h { display: flex; flex-direction: column; gap: 8px; }
.hub-card-h .eyebrow { margin: 0; }
.hub-actions { gap: 9px; }
.hub-more {
  display: inline-flex; align-items: center; gap: 6px; align-self: flex-start;
  color: var(--growth); font-weight: 600; font-size: 14.5px; text-decoration: none;
}
.hub-more:hover { text-decoration: underline; }
.hub-callout {
  display: flex; flex-direction: column; gap: 7px; border-radius: 14px; padding: 16px 18px;
  background: color-mix(in oklab, var(--growth) 7%, transparent);
  border: 1px solid color-mix(in oklab, var(--growth) 22%, transparent);
}
.hub-notes, .hub-covers, .hub-checks { display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 640px) { .hub-notes, .hub-covers, .hub-checks { grid-template-columns: 1fr 1fr; } }
.hub-cover {
  display: flex; gap: 14px; align-items: flex-start; padding: 16px; border-radius: 16px;
  border: 1px solid var(--border); background: color-mix(in oklab, white 55%, transparent);
  text-decoration: none; color: inherit; transition: border-color .2s, transform .2s;
}
.hub-cover:hover { border-color: color-mix(in oklab, var(--growth) 40%, transparent); transform: translateY(-2px); }
.hub-arts { display: flex; flex-direction: column; }
.hub-art {
  display: flex; gap: 12px; align-items: flex-start; padding: 12px 0;
  border-bottom: 1px solid var(--border); text-decoration: none;
}
.hub-art:first-child { padding-top: 0; }
.hub-art:last-child { border-bottom: 0; padding-bottom: 0; }
.hub-art-img { display: block; width: 64px; height: 64px; flex-shrink: 0; border-radius: 12px; overflow: hidden; }
.hub-steps { display: flex; flex-direction: column; gap: 10px; }
.hub-step {
  display: flex; gap: 15px; align-items: flex-start; padding: 16px 18px; border-radius: 14px;
  background: color-mix(in oklab, var(--secondary) 65%, transparent);
}
.hub-step-n { font-size: 13px; font-weight: 800; color: var(--growth); letter-spacing: .12em; padding-top: 3px; }
.hub-why { display: flex; gap: 18px; padding: 20px 0; border-bottom: 1px solid var(--border); }
.hub-why:first-child { padding-top: 0; }
.hub-why:last-child { border-bottom: 0; padding-bottom: 0; }
.hub-why-n { font-size: 13px; font-weight: 800; color: var(--border-solid); padding-top: 5px; }
.hub-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.hub-list li { display: flex; gap: 9px; align-items: flex-start; font-size: 15.5px; line-height: 1.75; color: var(--muted-foreground); }
.hub-list li svg { color: var(--growth); flex-shrink: 0; margin-top: 5px; }
.hub-check { border-radius: 18px; padding: 24px 22px; gap: 12px; }
.hub-tags { display: flex; flex-direction: column; gap: 8px; align-items: center; text-align: center; }
.hub-tags .row { justify-content: center; }
.hub-empty { text-align: center; padding: 30px 0; }
@media (min-width: 560px) { .hub-ways { grid-template-columns: 1fr 1fr; } }
.legal-card { gap: 12px; }
a.tip-cat { text-decoration: none; }

/* שאלות ותשובות (דף הבית, /faq, עמודי הכיסויים) */
.faq-item { border-radius: 14px; overflow: hidden; }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  padding: 18px 22px; text-align: start; font-size: 16.5px; font-weight: 600; line-height: 1.45;
}
.faq-chev { color: var(--growth); flex-shrink: 0; display: flex; transition: transform .3s ease; }
.faq-item.open .faq-chev { transform: rotate(180deg); }
.faq-a { padding: 0 22px 20px; font-size: 15px; line-height: 1.85; color: var(--muted-foreground); }
@media (max-width: 560px) { .faq-q { padding: 16px 16px; font-size: 15.5px; } .faq-a { padding: 0 16px 18px; } }

/* העמוד הנוכחי בתפריט המובייל */
.drawer-a[aria-current="page"] { background: color-mix(in oklab, var(--growth) 9%, transparent); color: var(--growth); }
.dropdown .drop-a[aria-current="page"] { background: var(--secondary); }

/* ---------- אזור הפתיחה בדף הבית ----------
   עמודה ממורכזת: טקסט וכפתורים, ואז שורת האמון והצעדים.
   */
.hero-top { display: flex; flex-direction: column; align-items: center; gap: 22px; max-width: 780px; margin-inline: auto; text-align: center; }
.hero-copy { display: flex; flex-direction: column; align-items: center; gap: 17px; min-width: 0; width: 100%; }
.hero-proof { display: flex; flex-direction: column; align-items: center; gap: 14px; width: 100%; min-width: 0; }

.hero-tag { gap: 9px; border-radius: 999px; padding: 8px 15px; font-size: 13.5px; font-weight: 500; }
.hero-dot {
  width: 7px; height: 7px; border-radius: 50%; background: var(--gold); flex-shrink: 0;
  box-shadow: 0 0 0 3px color-mix(in oklab, var(--gold) 22%, transparent);
}
.hero-h1 { font-size: clamp(34px, 5.4vw, 60px); line-height: 1.15; font-weight: 800; text-wrap: balance; margin: 0; }
.hero-h1 span { color: var(--growth); }
.hero-lead { max-width: 660px; margin: 0; text-wrap: balance; }
.hero-cta { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; width: 100%; }
.hero-cta .btn { flex: 0 0 auto; }

.hero-checks, .hero-trust, .hero-steps { list-style: none; margin: 0; padding: 0; }
.hero-checks {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 22px; width: 100%;
  padding-top: 16px; border-top: 1px solid var(--border); font-size: 14.5px;
}
.hero-checks li { display: flex; align-items: center; gap: 7px; }
.hero-ck { color: var(--growth); display: inline-flex; }

.hero-trust { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 22px; font-size: 14.5px; }
.hero-trust li { display: flex; align-items: center; gap: 8px; }
.hero-ti { display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--growth); }
.hero-steps { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; text-align: start; gap: 10px 0; font-size: 14.5px; }
.hero-steps li { display: flex; align-items: center; gap: 9px; }
.hero-steps li + li::before {
  content: ""; inline-size: 26px; block-size: 1px; background: var(--border-solid); margin-inline: 12px;
}
.hero-sn {
  display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0;
  inline-size: 26px; block-size: 26px; border-radius: 50%;
  background: var(--growth); color: var(--growth-foreground); font-size: 13px; font-weight: 700;
}

/* כניסה עדינה ברצף. הסטייה של --hel ממשיכה אנימציה שכבר רצה כש-render() בונה את העמוד מחדש */
@keyframes hero-rise { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
.hero-anim [data-i] { animation: hero-rise 620ms cubic-bezier(0.22, 1, 0.36, 1) both; animation-delay: calc(var(--i, 0) * 110ms - var(--hel, 0ms)); }
.hero-anim [data-i="0"] { --i: 0; } .hero-anim [data-i="1"] { --i: 1; } .hero-anim [data-i="2"] { --i: 2; }
.hero-anim [data-i="3"] { --i: 3; } .hero-anim [data-i="4"] { --i: 4; }
@media (prefers-reduced-motion: reduce) { .hero-anim [data-i] { animation: none; } }

/* נייד */
@media (max-width: 720px) {
  .hero-cta .btn { flex: 1 1 100%; }
  .hero-steps { gap: 10px 18px; }
  .hero-steps li + li::before { display: none; }
}