/* =========================================================
   CreditWise — foglio di stile principale
   Palette derivata dalla presentazione istituzionale.
   v09: colori e dimensioni dei testi rivisti per la conformità WCAG 2.1 AA.
   Il teal originale (#229799) resta solo per elementi decorativi:
   per testi, bottoni e icone su fondo chiaro si usa --teal-dark.
   ========================================================= */

:root{
  --navy:#113247;
  --navy-deep:#0B2436;
  --teal:#229799;
  --teal-dark:#1A7A7C;      /* testo/bottoni su chiaro: 5.1:1 su bianco */
  --teal-darker:#135E60;    /* hover bottoni: 7.4:1 con testo bianco */
  --teal-pale:#CEEAEB;
  --teal-wash:#EDF7F7;
  --ink:#1B1B27;
  --slate:#404155;
  --slate-soft:#5C5D6F;     /* 6.5:1 su bianco, 5.9:1 su grigio */
  --field-border:#768692;   /* bordo campi modulo: 3.7:1 (WCAG 1.4.11) */
  --mist:#F5F5F5;
  --paper:#FFFFFF;
  --line:#E3E8EB;

  /* Per usare Poppins basta collocare i file in assets/fonts/
     e togliere il commento al blocco @font-face in fondo al file. */
  --font-display:"Poppins","Century Gothic","Questrial","Avenir Next",
                 "Trebuchet MS",system-ui,-apple-system,sans-serif;
  --font-body:"Inter","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;

  --wrap:1180px;
  --radius:14px;
  --shadow:0 18px 44px -28px rgba(17,50,71,.45);
  --header-h:82px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);
  font-size:17px;line-height:1.65;color:var(--slate);
  background:var(--paper);
  overflow-x:hidden;
}
img{max-width:100%;display:block;height:auto}
a{color:var(--teal-dark);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:3px solid var(--teal-dark);outline-offset:3px;border-radius:4px}
/* sui fondi scuri l'indicatore di focus diventa chiaro */
.hero :focus-visible,.trustbar :focus-visible,.section--navy :focus-visible,.cta-band :focus-visible,
.site-footer :focus-visible,.card--navy:focus-visible,.callout--navy :focus-visible{outline-color:var(--teal-pale)}
/* link nel testo: riconoscibili anche senza colore (WCAG 1.4.1) */
main p a:not(.btn):not(.card__link),main li a:not(.btn),.consent a,.callout a,.doc td a{
  text-decoration:underline;text-underline-offset:.18em;text-decoration-thickness:1px}
main p a:not(.btn):not(.card__link):hover,main li a:not(.btn):hover{text-decoration-thickness:2px}
/* link "salta al contenuto" */
.skip-link{position:absolute;left:16px;top:-80px;z-index:200;background:var(--navy);color:#fff;
  padding:12px 18px;border-radius:8px;font-family:var(--font-display);font-weight:600}
.skip-link:focus{top:12px;color:#fff;outline-color:var(--teal-pale)}
main:focus{outline:none}

h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy);line-height:1.15;font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:clamp(1.15rem,1.7vw,1.4rem)}
h4{font-size:1.02rem}
p{margin-bottom:1rem}
strong{color:var(--navy)}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.wrap-narrow{max-width:820px;margin:0 auto;padding:0 24px}
.section{padding:92px 0}
.section--tint{background:var(--mist)}
.section--wash{background:linear-gradient(150deg,var(--teal-wash) 0%,var(--mist) 62%)}
.section--navy{background:var(--navy);color:#D6E2E9}
.section--navy h2,.section--navy h3{color:#fff}
.section--tight{padding:64px 0}

.eyebrow{
  font-family:var(--font-display);font-size:.875rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--teal-dark);
  display:flex;align-items:center;gap:10px;margin-bottom:16px;
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--teal);display:inline-block}
.section--navy .eyebrow,.hero .eyebrow{color:var(--teal-pale)}
.section--navy .eyebrow::before,.hero .eyebrow::before{background:var(--teal-pale)}

.lead{font-size:1.14rem;color:var(--slate);max-width:66ch}
.section--navy .lead{color:#C6D6DF}

/* ---------- bottoni ---------- */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--font-display);font-weight:600;font-size:.95rem;
  padding:14px 26px;border-radius:999px;border:2px solid transparent;
  transition:.22s ease;cursor:pointer;text-decoration:none;
}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn--primary{background:var(--teal-dark);color:#fff}
.btn--primary:hover{background:var(--teal-darker);color:#fff}
.btn--ghost{border-color:var(--navy);color:var(--navy)}
.btn--ghost:hover{background:var(--navy);color:#fff}
.btn--light{background:#fff;color:var(--navy)}
.btn--light:hover{background:var(--teal-pale)}
.btn--outline-light{border-color:rgba(255,255,255,.8);color:#fff}
.btn--outline-light:hover{background:#fff;color:var(--navy)}
.btn .arrow{transition:transform .22s ease}
.btn:hover .arrow{transform:translate(3px,-3px)}

/* =========================================================
   Header
   ========================================================= */
.site-header{
  position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);
  backdrop-filter:saturate(160%) blur(8px);
  border-bottom:1px solid var(--line);
}
.header-in{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);gap:24px}
.brand img{height:38px;width:auto}
.brand:hover{text-decoration:none}

.nav{display:flex;align-items:center;gap:4px}
.nav__item{position:relative}
.nav__link{
  font-family:var(--font-display);font-weight:600;font-size:.95rem;color:var(--navy);
  padding:12px 16px;border-radius:8px;display:inline-flex;align-items:center;gap:7px;
  background:none;border:0;cursor:pointer;font-size:.95rem;
}
.nav__link:hover{background:var(--teal-wash);text-decoration:none}
.nav__link[aria-expanded="true"]{background:var(--teal-wash)}
.nav__link .chev{width:9px;height:9px;border-right:2px solid var(--teal-dark);border-bottom:2px solid var(--teal-dark);
  transform:rotate(45deg) translate(-2px,-2px);transition:.2s}
.nav__link[aria-expanded="true"] .chev{transform:rotate(-135deg) translate(-3px,-3px)}

.dropdown{
  position:absolute;top:100%;left:0;min-width:310px;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:12px;display:none;margin-top:6px;
}
/* ponte invisibile che copre lo stacco fra voce e tendina */
.dropdown::before{content:"";position:absolute;left:0;right:0;top:-10px;height:10px}
.dropdown[data-open="true"]{display:block;animation:drop .18s ease}
@keyframes drop{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
.dropdown a{
  display:block;padding:11px 14px;border-radius:9px;color:var(--navy);
  font-family:var(--font-display);font-weight:500;font-size:.94rem;
}
.dropdown a:hover{background:var(--teal-wash);color:var(--teal-dark);text-decoration:none}
.dropdown a small{display:block;font-family:var(--font-body);font-weight:400;color:var(--slate-soft);font-size:.875rem;margin-top:2px}

.header-cta{display:inline-flex}
.burger{display:none;background:none;border:0;padding:10px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

@media(max-width:980px){
  .nav,.header-cta{display:none}
  .burger{display:block}
  .nav.is-open{
    display:block;position:fixed;top:var(--header-h);left:0;right:0;
    height:calc(100vh - var(--header-h));background:#fff;
    padding:18px 24px 40px;overflow-y:auto;border-top:1px solid var(--line);
  }
  .nav.is-open .nav__item{border-bottom:1px solid var(--line)}
  .nav.is-open .nav__link{width:100%;justify-content:space-between;padding:16px 4px;font-size:1.05rem}
  .nav.is-open .dropdown{
    position:static;box-shadow:none;border:0;min-width:0;padding:0 0 12px 10px;
    border-left:2px solid var(--teal-pale);margin-bottom:12px;
  }
}

/* =========================================================
   Hero
   ========================================================= */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero__bg{position:absolute;inset:0}
.hero__bg img{width:100%;height:100%;object-fit:cover;opacity:.30}
.hero__bg::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,var(--navy) 22%,rgba(17,50,71,.88) 55%,rgba(18,92,94,.78) 100%);
}
.hero__arc{position:absolute;right:-4%;bottom:-14%;width:min(620px,62vw);opacity:.5;pointer-events:none}
.hero__in{position:relative;padding:112px 0 104px;max-width:860px}
.hero h1{color:#fff;margin-bottom:22px}
.hero h1 em{font-style:normal;color:var(--teal-pale)}
.hero__sub{font-size:1.16rem;color:#DCE7ED;max-width:62ch;margin-bottom:34px}
.hero__actions{display:flex;gap:14px;flex-wrap:wrap}
.hero--page .hero__in{padding:78px 0 72px;max-width:800px}
.hero--page h1{font-size:clamp(1.9rem,3.7vw,2.9rem)}

.breadcrumb{font-size:.9rem;color:#C9D9E1;margin-bottom:18px;display:flex;gap:8px;flex-wrap:wrap}
.breadcrumb a{color:#DCE7ED;text-decoration:underline;text-underline-offset:.18em}
.breadcrumb a:hover{color:#fff}
.breadcrumb span[aria-hidden="true"]{opacity:.75}
.breadcrumb [aria-current="page"]{color:#fff}

/* barra iscrizione OAM */
.trustbar{background:var(--navy-deep);color:#C9D9E1;padding:15px 0;font-size:.95rem}
.trustbar .wrap{display:flex;gap:12px 34px;flex-wrap:wrap;align-items:center;justify-content:center;text-align:center}
.trustbar b{color:#fff;font-family:var(--font-display)}

/* =========================================================
   Griglie e card
   ========================================================= */
.grid{display:grid;gap:26px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:940px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 28px;transition:.24s ease;height:100%;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--teal-pale)}
.card h3{margin-bottom:10px}
.card p{font-size:.96rem;margin-bottom:0;color:var(--slate)}
.card__link{
  display:inline-flex;gap:8px;align-items:center;margin-top:18px;
  font-family:var(--font-display);font-weight:600;font-size:.95rem;color:var(--teal-dark);
}
a.card{display:block;color:inherit}
a.card:hover{text-decoration:none}
.card__mark{
  width:44px;height:44px;border-radius:12px;background:var(--teal-wash);
  display:grid;place-items:center;margin-bottom:18px;color:var(--teal-dark);
}
.card__mark svg{width:22px;height:22px}
.card--plain{background:var(--mist);border-color:transparent}
.card--navy{background:var(--navy);border-color:transparent;color:#C6D6DF}
.card--navy h3{color:#fff}
.card--navy p{color:#C6D6DF}

/* due colonne testo + media */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.split--reverse .split__media{order:-1}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:36px}.split--reverse .split__media{order:0}}
.split__media img{border-radius:var(--radius);box-shadow:var(--shadow)}

/* elenco puntato con segno di spunta */
.ticks{list-style:none;display:grid;gap:12px;margin:22px 0}
.ticks li{position:relative;padding-left:32px;font-size:1rem}
.ticks li::before{
  content:"";position:absolute;left:0;top:.42em;width:16px;height:9px;
  border-left:2.5px solid var(--teal-dark);border-bottom:2.5px solid var(--teal-dark);
  transform:rotate(-45deg);
}
.section--navy .ticks li::before{border-color:var(--teal-pale)}

/* problema vs soluzione */
.contrast{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
@media(max-width:820px){.contrast{grid-template-columns:1fr}}
.contrast__col{padding:44px 40px}
.contrast__col--a{background:var(--mist)}
.contrast__col--b{background:var(--navy);color:#C6D6DF}
.contrast__col--b h3,.contrast__col--b h2{color:#fff}
.contrast h4{margin-bottom:6px}
.contrast__item{padding:18px 0;border-bottom:1px dashed rgba(17,50,71,.18)}
.contrast__col--b .contrast__item{border-bottom-color:rgba(255,255,255,.16)}
.contrast__item:last-child{border-bottom:0;padding-bottom:0}
.contrast__col--b h4{color:var(--teal-pale)}
.contrast__item p{font-size:1rem;margin:0}

/* =========================================================
   Metodo — scala ascendente (richiamo alla freccia del logo)
   ========================================================= */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;align-items:stretch;
  margin-top:44px;padding-top:66px}
@media(max-width:940px){.steps{grid-template-columns:repeat(2,1fr);padding-top:0}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px 24px;position:relative;height:100%}
/* la scala ascendente riprende la freccia del logo: i riquadri hanno tutti
   la stessa altezza e vengono solo traslati verso l'alto */
.steps .step:nth-child(2){transform:translateY(-22px)}
.steps .step:nth-child(3){transform:translateY(-44px)}
.steps .step:nth-child(4){transform:translateY(-66px)}
@media(max-width:940px){.steps .step{transform:none !important}}
.step__n{
  font-family:var(--font-display);font-weight:700;font-size:.875rem;letter-spacing:.12em;
  color:var(--teal-dark);display:block;margin-bottom:12px;
}
.step h3{font-size:1.1rem;margin-bottom:8px}
.step p{font-size:1rem;margin:0}
.section--navy .step{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.14)}
.section--navy .step p{color:#C6D6DF}
.section--navy .step__n{color:var(--teal-pale)}

/* numeri */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:30px}
@media(max-width:900px){.stats{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.stats{grid-template-columns:1fr}}
.stat__value{font-family:var(--font-display);font-weight:700;font-size:clamp(2.2rem,4vw,3rem);color:var(--teal-dark);line-height:1}
.section--navy .stat__value{color:var(--teal-pale)}
.stat__label{font-family:var(--font-display);font-weight:600;color:var(--navy);margin:10px 0 8px}
.section--navy .stat__label{color:#fff}
.stat p{font-size:1rem;margin:0}

/* CTA finale */
.cta-band{background:linear-gradient(115deg,var(--navy) 0%,var(--teal-dark) 140%);color:#fff;padding:74px 0}
.cta-band h2{color:#fff;margin-bottom:12px}
.cta-band p{color:#DCE7ED;max-width:58ch}
.cta-band .wrap{display:flex;gap:40px;justify-content:space-between;align-items:center;flex-wrap:wrap}

/* =========================================================
   Pagine di testo (policy, whistleblowing)
   ========================================================= */
.doc{padding:70px 0 90px}
.doc h2{font-size:1.45rem;margin:42px 0 12px}
.doc h3{font-size:1.08rem;margin:26px 0 8px}
.doc ul,.doc ol{margin:0 0 16px 22px}
.doc li{margin-bottom:8px}
.doc table{width:100%;border-collapse:collapse;margin:18px 0;font-size:1rem}
.doc th{background:var(--navy);color:#fff;text-align:left;padding:11px 13px;font-family:var(--font-display);font-weight:600}
.doc td{border:1px solid var(--line);padding:11px 13px;vertical-align:top}
.doc .updated{font-size:.95rem;color:var(--slate-soft)}
.callout{
  background:var(--teal-wash);border:1px solid var(--teal-pale);
  border-radius:var(--radius);padding:24px 26px;margin:24px 0;
}
.callout p:last-child{margin-bottom:0}
.callout--navy{background:var(--navy);border-color:var(--navy);color:#C6D6DF}
.callout--navy strong{color:#fff}

/* segnaposto da compilare */
.ph{
  background:#FFF3C4;border-bottom:1px dashed #C9A227;padding:0 4px;
  border-radius:3px;color:#6B5200;font-style:normal;
}

/* banner bozza */
.draft-banner{
  background:#FFF3C4;border-bottom:2px solid #C9A227;color:#6B5200;
  padding:12px 0;font-size:.95rem;text-align:center;font-family:var(--font-display);font-weight:600;
}

/* =========================================================
   Form contatti
   ========================================================= */
.form{display:grid;gap:18px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:640px){.form .row{grid-template-columns:1fr}}
.field label{display:block;font-family:var(--font-display);font-weight:600;font-size:.95rem;color:var(--navy);margin-bottom:6px}
.field input,.field select,.field textarea{
  width:100%;padding:13px 15px;border:1px solid var(--field-border);border-radius:10px;
  font-family:var(--font-body);font-size:1rem;color:var(--ink);background:#fff;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--teal-dark);outline:2px solid var(--teal-dark);outline-offset:1px;box-shadow:none}
.field textarea{min-height:140px;resize:vertical}
.form-note{font-size:.95rem;color:var(--slate-soft);margin:0}
.form [data-mailto-avviso]{margin:4px 0 0}
.consent{display:block;position:relative;padding-left:32px;font-size:.95rem;line-height:1.55;color:var(--slate)}
.consent input{position:absolute;left:0;top:3px;width:20px;height:20px;accent-color:var(--teal-dark)}

/* =========================================================
   Footer
   ========================================================= */
.site-footer{background:var(--navy-deep);color:#C9D9E1;padding:68px 0 0;font-size:1rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:.875rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#C9D9E1;text-decoration:underline;text-decoration-color:rgba(201,217,225,.45);text-underline-offset:.2em}
.site-footer a:hover{color:#fff}
.footer-brand img{height:34px;margin-bottom:18px}
.footer-brand p{font-size:.95rem;line-height:1.7}
.footer-legal{
  border-top:1px solid rgba(255,255,255,.12);padding:22px 0 30px;
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.9rem;
}
.footer-legal ul{display:flex;gap:20px;list-style:none;flex-wrap:wrap}

/* accessibilità: riduzione del movimento */
@media(prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important;scroll-behavior:auto !important}
  .btn:hover{transform:none}
  .card:hover{transform:none}
}

/* -----------------------------------------------------------
   Font self-hosted (opzionale). Collocare i .woff2 in
   assets/fonts/ e togliere il commento.
-------------------------------------------------------------
@font-face{font-family:"Poppins";src:url("fonts/poppins-600.woff2") format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Poppins";src:url("fonts/poppins-700.woff2") format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Inter";src:url("fonts/inter-400.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Inter";src:url("fonts/inter-600.woff2") format("woff2");font-weight:600;font-display:swap}
----------------------------------------------------------- */