/* Bankó — bemutatkozó oldal. Saját CSS, rendszer-fontok, nincs külső forrás. */
:root {
  --bg: #f4f6f9;
  --panel: #fff;
  --ink: #1c2430;
  --muted: #56606d;
  --line: #dde2e9;
  --nav: #17233a;
  --nav-ink: #d5deeb;
  --accent: #1f5fae;
  --accent-dark: #194f92;
  --accent-soft: #e8f0fb;
  --ok: #1e7a3c;
  --ok-soft: #e6f4ea;
  --warn: #8a4f00;
  --warn-soft: #fff4e0;
  --radius: 12px;
  --wrap: 1120px;
  --focus: #f0a020;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  font: 17px/1.6 "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--panel);
  overflow-wrap: break-word;
}

img, svg { max-width: 100%; height: auto; display: block; }

a { color: var(--accent); text-underline-offset: 2px; }
a:hover { color: var(--accent-dark); }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 4px;
}

h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); }
h2 { font-size: clamp(1.55rem, 2.8vw, 2.1rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }

.skip {
  position: absolute; left: 12px; top: -60px; z-index: 10;
  background: var(--ink); color: #fff; padding: 10px 14px; border-radius: 8px;
}
.skip:focus { top: 12px; color: #fff; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap;
}

/* Fejléc */
.site-head { background: var(--nav); color: var(--nav-ink); }
.site-head .wrap { display: flex; align-items: center; gap: 16px; min-height: 64px; flex-wrap: wrap; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: #fff; font-weight: 700; font-size: 1.2rem; text-decoration: none; }
.brand:hover { color: #fff; }
.brand img { width: 32px; height: 32px; }
.site-nav { margin-left: auto; display: flex; gap: 6px; align-items: center; flex-wrap: wrap; }
.site-nav a { color: var(--nav-ink); text-decoration: none; padding: 6px 10px; border-radius: 7px; font-size: .95rem; }
.site-nav a:hover { background: #22314d; color: #fff; }
.site-nav a.login { border: 1px solid #4a5d80; color: #fff; }
@media (max-width: 760px) {
  .site-nav .opt { display: none; }
}

/* Gombok */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: 9px; font-weight: 600; font-size: 1.02rem;
  text-decoration: none; border: 2px solid var(--accent); line-height: 1.2;
}
.btn.primary { background: var(--accent); color: #fff; }
.btn.primary:hover { background: var(--accent-dark); border-color: var(--accent-dark); color: #fff; }
.btn.ghost { background: transparent; color: var(--accent); }
.btn.ghost:hover { background: var(--accent-soft); }
.btn.light { background: #fff; color: var(--nav); border-color: #fff; }
.btn.light:hover { background: var(--accent-soft); border-color: var(--accent-soft); color: var(--nav); }
.btn.outline-light { background: transparent; color: #fff; border-color: #8ea3c4; }
.btn.outline-light:hover { background: #22314d; color: #fff; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 26px 0 12px; }

/* Szakaszok */
section { padding: 72px 0; }
section.alt { background: var(--bg); }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 46rem; }
.eyebrow { font-size: .85rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--accent); margin-bottom: .6em; }

/* Hős */
.hero { background: linear-gradient(180deg, var(--accent-soft) 0%, #fff 100%); padding: 64px 0 56px; }
.hero .wrap { display: grid; grid-template-columns: 1.05fr 1fr; gap: 48px; align-items: center; }
.hero h1 .second { display: block; font-size: .62em; font-weight: 600; color: var(--accent-dark); margin-top: .45em; line-height: 1.3; }
.hero .note { font-size: .95rem; color: var(--muted); margin: 0; }
.hero figure { margin: 0; }
.hero figcaption { font-size: .88rem; color: var(--muted); margin-top: 10px; text-align: center; }
@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 32px; }
}

/* Kártyák, rácsok */
.grid { display: grid; gap: 20px; }
.grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 900px) { .grid.three { grid-template-columns: 1fr; } }
@media (max-width: 720px) { .grid.two { grid-template-columns: 1fr; } }

.card { background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.card h3 { display: flex; align-items: center; gap: 10px; }
.card p:last-child, .card ul:last-child { margin-bottom: 0; }
.card .icon { width: 36px; height: 36px; flex: none; }

/* Probléma */
.pain { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 14px; }
.pain li { padding: 14px 16px 14px 48px; position: relative; background: #fff; border: 1px solid var(--line); border-radius: 10px; }
.pain li::before {
  content: ""; position: absolute; left: 16px; top: 18px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--warn-soft); border: 2px solid var(--warn);
}
.quiet { color: var(--muted); font-size: 1.02rem; margin-top: 20px; }

/* Lépések */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 32px 0 0; }
.steps li { counter-increment: step; position: relative; }
.steps li::before {
  content: counter(step); position: absolute; left: 22px; top: 22px;
  width: 38px; height: 38px; border-radius: 50%; background: var(--accent); color: #fff;
  display: grid; place-items: center; font-weight: 700; font-size: 1.1rem;
}
.steps .card { height: 100%; padding-top: 74px; }
.small { font-size: .93rem; color: var(--muted); }

/* Mit párosít */
.check { list-style: none; padding: 0; margin: 0; }
.check li { position: relative; padding-left: 28px; margin-bottom: 8px; }
.check li::before {
  content: ""; position: absolute; left: 4px; top: .45em; width: 12px; height: 7px;
  border-left: 3px solid var(--ok); border-bottom: 3px solid var(--ok); transform: rotate(-45deg);
}

/* Kontír marad */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 24px; } }
.progs { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.progs li { display: flex; gap: 12px; align-items: baseline; justify-content: space-between; flex-wrap: wrap; background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 12px 16px; }
.progs b { font-weight: 650; }
.progs span { color: var(--muted); font-size: .93rem; }
.callout { background: var(--accent-soft); border-left: 4px solid var(--accent); border-radius: 0 10px 10px 0; padding: 14px 18px; margin-top: 18px; }
.callout p:last-child { margin: 0; }

/* Biztonság */
.secure { background: var(--nav); color: var(--nav-ink); }
.secure h2, .secure h3 { color: #fff; }
.secure .lead { color: var(--nav-ink); }
.secure .eyebrow { color: #9cc1f0; }
.secure .card { background: #1f2d48; border-color: #2e4166; color: var(--nav-ink); }
.secure a { color: #b9d4f7; }
.secure a:hover { color: #fff; }

/* Kinek */
.fit h3 { margin-bottom: .7em; }
.no li::before { border: none; width: 12px; height: 3px; background: var(--muted); transform: none; top: .75em; }

/* GYIK */
.faq { max-width: 50rem; margin-top: 24px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 10px; margin-bottom: 10px; }
.faq summary {
  cursor: pointer; padding: 16px 48px 16px 18px; font-weight: 600; position: relative; list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%);
  font-size: 1.4rem; color: var(--accent); font-weight: 400;
}
.faq details[open] summary::after { content: "–"; }
.faq summary:focus-visible { outline-offset: -3px; }
.faq details > div { padding: 0 18px 16px; }
.faq details > div p:last-child { margin: 0; }

/* Korai hozzáférés */
.cta { background: var(--accent); color: #fff; text-align: left; }
.cta h2 { color: #fff; }
.cta p { color: #e8f0fb; max-width: 44rem; }
.cta .small { color: #d6e4f7; }
.cta a:not(.btn) { color: #fff; }

/* Kapcsolati űrlap (a korai hozzáférés szakaszban) */
.contact {
  background: var(--panel); color: var(--ink); border-radius: var(--radius);
  padding: 24px; margin-top: 28px; max-width: 40rem; scroll-margin-top: 24px;
}
.contact h3 { color: var(--ink); }
.cta .contact p { color: var(--muted); }
.cta .contact a:not(.btn) { color: var(--accent); }
.contact .field { margin-bottom: 14px; }
.contact label { display: block; font-weight: 600; font-size: .95rem; margin-bottom: 4px; }
.contact label .opt { font-weight: 400; color: var(--muted); }
.contact input, .contact textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink); background: #fff;
  border: 1px solid #b9c2ce; border-radius: 8px; padding: 10px 12px;
}
.contact textarea { resize: vertical; min-height: 120px; }
.contact input:focus-visible, .contact textarea:focus-visible { outline: 3px solid var(--focus); outline-offset: 1px; border-color: var(--accent); }
.contact .form-foot { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 18px; }
.contact .form-foot p { margin: 0; }
.contact button { cursor: pointer; font-family: inherit; }
.contact button:disabled { opacity: .6; cursor: progress; }
.contact .hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-status:empty { display: none; }
.form-status, .form-note { margin: 14px 0 0; padding: 10px 14px; border-radius: 8px; font-size: .97rem; }
.cta .contact .form-status.pending { color: var(--muted); background: var(--bg); }
.cta .contact .ok { color: var(--ok); background: var(--ok-soft); }
.cta .contact .error { color: #9b1c1c; background: #fdecec; }
/* JS nélküli küldés után a szerver ide irányít vissza (#kapcsolat-ok / #kapcsolat-hiba) */
.form-note { display: none; margin: 0 0 14px; }
.form-note:target { display: block; }

/* Lábléc */
.site-foot { background: var(--nav); color: var(--nav-ink); padding: 40px 0; font-size: .93rem; }
.site-foot .wrap { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 28px; }
.site-foot h2 { font-size: 1rem; color: #fff; margin-bottom: .6em; }
.site-foot a { color: #b9d4f7; }
.site-foot a:hover { color: #fff; }
.site-foot ul { list-style: none; padding: 0; margin: 0; }
.site-foot li { margin-bottom: 6px; }
.site-foot address { font-style: normal; }
.site-foot .copy { grid-column: 1 / -1; border-top: 1px solid #2a3a57; padding-top: 16px; color: #a9b6cb; }
@media (max-width: 760px) { .site-foot .wrap { grid-template-columns: 1fr; } }

/* Szöveges aloldal (adatkezelés, 404) */
.doc { padding: 48px 0 72px; }
.doc .wrap { max-width: 800px; }
.doc h1 { font-size: clamp(1.8rem, 3.5vw, 2.4rem); }
.doc h2 { font-size: 1.3rem; margin-top: 2em; }
.doc ul { padding-left: 1.3em; }
.doc li { margin-bottom: .4em; }
.doc .meta { color: var(--muted); }
.table-wrap { overflow-x: auto; margin: 0 0 1em; }
.doc table { border-collapse: collapse; width: 100%; font-size: .95rem; }
.doc th, .doc td { border: 1px solid var(--line); padding: 8px 10px; text-align: left; vertical-align: top; }
.doc th { background: var(--bg); }
.doc .toc { background: var(--bg); border-radius: 10px; padding: 14px 18px 14px 36px; }
.ph { background: var(--warn-soft); color: var(--warn); border-radius: 4px; padding: 0 4px; font-weight: 600; }

.notfound { min-height: 60vh; display: grid; align-items: center; }