/* Pénzügyi Útravaló – letisztult, modern stílus */
:root{
  --bg:#0b0c10;
  --surface:#111217;
  --muted:#8b90a0;
  --text:#e9ecf1;
  --accent:#0bb37c;
  --accent-600:#099e6f;
  --ring:rgba(11,179,124,.35);
  --card:#0f1116;
  --alt:#0b0d12;
  --shadow:0 10px 30px rgba(0,0,0,.35);
}

*{ box-sizing:border-box }
html,body{ height:100% }
body{
  margin:0;
  background: radial-gradient(1200px 800px at 70% -10%, #0f1422 0%, var(--bg) 45%) no-repeat, var(--bg);
  color:var(--text);
  font: 16px/1.6 "Inter", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  -webkit-font-smoothing:antialiased;
  text-rendering: optimizeLegibility;
}

/* layout */
.container{ max-width:1100px; margin:0 auto; padding:0 20px }
.grid2{ display:grid; grid-template-columns: 1.1fr 0.9fr; gap:48px }
.stack{ display:flex; flex-direction:column }
.stack-h{ display:flex; gap:12px; align-items:center }
.gap-s{ gap:8px } .gap-m{ gap:16px } .gap-l{ gap:24px }

/* nav */
.nav{
  position:sticky; top:0; z-index:50;
  backdrop-filter: saturate(140%) blur(10px);
  background:rgba(15,17,22,.65);
  border-bottom:1px solid rgba(255,255,255,.06);
}
.nav__inner{ display:flex; align-items:center; justify-content:space-between; padding:14px 0 }
.brand{ display:flex; gap:10px; align-items:center; color:var(--text); text-decoration:none; font-weight:700 }
.brand span{ letter-spacing:.2px }
.nav__links{ display:flex; gap:18px; align-items:center }
.nav__links a{ color:var(--text); text-decoration:none; opacity:.85 }
.nav__links a:hover{ opacity:1 }
.nav__toggle{ display:none; background:none; border:1px solid rgba(255,255,255,.18); color:var(--text); border-radius:8px; padding:8px 10px }

/* hero */
.hero{ padding:84px 0 36px }
.hero__title{ font-size: clamp(28px, 5vw, 46px); line-height:1.1; margin:0 }
.lead{ font-size: clamp(16px, 2.2vw, 18px); color:var(--muted); margin-top:6px }
.hero__image img{ width:100%; height:auto; border-radius:18px; box-shadow: var(--shadow) }
.bullets{ margin:8px 0 0; padding:0; list-style:none; color:#cbd3e1; display:grid; gap:6px }
.bullets li::before{ content:"✓ "; color:var(--accent) }

/* trust */
.trust{ padding:16px 0; border-top:1px solid rgba(255,255,255,.06); border-bottom:1px solid rgba(255,255,255,.06); background:rgba(255,255,255,.02) }
.trust__inner{ display:flex; align-items:center; justify-content:space-between; gap:18px }
.trust__inner p{ color:#cbd3e1; margin:0; white-space:nowrap; font-size:14px }
.trust__logos{ display:flex; gap:20px; flex-wrap:wrap; opacity:.85 }

/* sections */
.section{ padding:60px 0 }
.section--alt{ background: var(--alt) }
.section--accent{ background: linear-gradient(180deg, rgba(11,179,124,.08), rgba(255,255,255,0)); border-top:1px solid rgba(255,255,255,.06); border-bottom:1px solid rgba(255,255,255,.06) }
.section__title{ font-size: clamp(22px, 3.4vw, 34px); margin:0 0 6px 0 }
.section__subtitle{ color:var(--muted); margin-top:0 }

/* cards */
.cards{ display:grid; grid-template-columns: repeat(4, 1fr); gap:16px }
.card{ background: var(--card); border:1px solid rgba(255,255,255,.06); padding:22px; border-radius:16px; box-shadow: var(--shadow) }
.card__icon{ font-size:22px }
.card h3{ margin:8px 0 6px }
.card p{ color:#cdd3df; margin:0 }

/* steps */
.steps{ display:grid; grid-template-columns: repeat(4,1fr); gap:18px; list-style:none; padding:0; margin:0 }
.steps li{ background: var(--card); border:1px solid rgba(255,255,255,.06); padding:20px; border-radius:16px; position:relative }
.steps li span{ position:absolute; top:-12px; left:-12px; background:var(--accent); color:#00130b; width:32px; height:32px; border-radius:50%; display:grid; place-items:center; font-weight:700 }

/* pricing */
.pricing{ display:grid; grid-template-columns: repeat(3, 1fr); gap:16px }
.price-card{ background: var(--card); border:1px solid rgba(255,255,255,.06); padding:22px; border-radius:16px; box-shadow: var(--shadow); display:flex; flex-direction:column; gap:12px }
.price{ font-weight:700; font-size:20px; color:#f3f6fb }
.price-card ul{ margin:0; padding-left:18px; color:#cdd3df }
.btn--full{ width:100% }

/* testimonials */
.testimonials{ display:grid; grid-template-columns: repeat(3, 1fr); gap:16px }
.testimonial{ background: var(--card); border:1px solid rgba(255,255,255,.06); padding:20px; border-radius:16px; }
.testimonial blockquote{ margin:0 0 6px 0; }
.testimonial figcaption{ color:#aab2c3; font-size:14px }

/* contact */
.contact{ background: var(--card); border:1px solid rgba(255,255,255,.06); padding:22px; border-radius:16px; box-shadow: var(--shadow) }
.field{ display:flex; flex-direction:column; gap:6px; margin-bottom:12px }
label{ font-weight:600 }
input, select, textarea{
  background:#0c0f15;
  border:1px solid rgba(255,255,255,.08);
  border-radius:10px;
  color:var(--text);
  padding:10px 12px;
  outline: none;
}
input:focus, select:focus, textarea:focus{ border-color: var(--accent); box-shadow: 0 0 0 6px var(--ring) }

/* footer */
.footer{ border-top:1px solid rgba(255,255,255,.06); background:#0b0c11; padding:28px 0 }
.footer__inner{ display:grid; grid-template-columns: 1.2fr .8fr .8fr; gap:20px; align-items:center }
.footer__nav{ display:flex; gap:14px; flex-wrap:wrap }
.footer__legal{ display:flex; gap:8px; align-items:center }
.micro{ color:#9aa3b6; font-size:13px }

/* buttons */
.btn{ display:inline-block; text-decoration:none; border-radius:999px; padding:12px 16px; border:1px solid rgba(255,255,255,.14) }
.btn--primary{ background: var(--accent); color:#00130b; border-color: transparent; font-weight:700 }
.btn--primary:hover{ background: var(--accent-600) }
.btn--ghost{ color: var(--text) }
.btn--ghost:hover{ border-color: var(--accent) }

/* responsive */
@media (max-width: 980px){
  .grid2{ grid-template-columns: 1fr; }
  .cards{ grid-template-columns: 1fr 1fr }
  .steps{ grid-template-columns: 1fr 1fr }
  .pricing{ grid-template-columns: 1fr }
  .testimonials{ grid-template-columns: 1fr }
  .footer__inner{ grid-template-columns: 1fr; text-align:center; justify-items:center }
  .nav__links{ display:none }
  .nav__toggle{ display:inline-block }
  .trust__inner{ flex-direction:column }
}

@media (max-width: 520px){
  .cards{ grid-template-columns: 1fr }
  .steps{ grid-template-columns: 1fr }
}