/* =========================================================
   Sigortam.app — Ana stil dosyası
   Accent rengi: #0A84FF  (değiştirmek için --accent değişkenini güncelleyin)
   ========================================================= */
:root{
  --accent:#0A84FF;
  --accent-d:#006ee0;
  --accent-soft:#eaf3ff;
  --ink:#0d1b2a;
  --ink-2:#334155;
  --muted:#64748b;
  --line:#e3e8ef;
  --bg:#ffffff;
  --bg-soft:#f6f8fb;
  --ok:#16a34a;
  --no:#dc2626;
  --radius:14px;
  --radius-sm:10px;
  --shadow:0 1px 2px rgba(13,27,42,.05),0 8px 24px rgba(13,27,42,.06);
  --max:1180px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.7;color:var(--ink-2);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent-d);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--ink);line-height:1.25;margin:0 0 .6em;letter-spacing:-.015em}
h1{font-size:clamp(2rem,4.6vw,3.1rem);font-weight:800}
h2{font-size:clamp(1.45rem,2.6vw,1.95rem);font-weight:750}
h3{font-size:1.12rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1.2em}
li{margin:.3em 0}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--accent);color:#fff;padding:8px 14px;z-index:100}
.skip:focus{left:12px;top:12px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-d);margin-bottom:.8em}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:#fff;font-weight:650;font-size:.95rem;padding:11px 18px;border-radius:999px;border:0;cursor:pointer;transition:background .15s,transform .15s;white-space:nowrap}
.btn:hover{background:var(--accent-d);text-decoration:none;transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}
.btn-ghost:hover{background:var(--bg-soft);color:var(--ink)}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(12px);-webkit-backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;gap:20px;height:68px}
.logo{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:800;font-size:1.18rem;letter-spacing:-.02em}
.logo:hover{text-decoration:none}
.logo img{width:34px;height:34px;border-radius:9px}
.logo-t b{font-weight:inherit}
.logo .logo-t b{color:var(--accent)}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav>a,.dd>button{font:inherit;font-size:.93rem;font-weight:550;color:var(--ink-2);background:none;border:0;padding:8px 11px;border-radius:8px;cursor:pointer}
.nav>a:hover,.dd>button:hover,.dd:focus-within>button{background:var(--bg-soft);color:var(--ink);text-decoration:none}
.nav>a[aria-current="page"]{color:var(--accent-d)}
.dd{position:relative}
.dd>button::after{content:"";display:inline-block;width:6px;height:6px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;transform:rotate(45deg);margin:0 0 3px 7px}
.dd-menu{position:absolute;top:100%;left:0;min-width:230px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:6px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.15s}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:block;padding:8px 12px;border-radius:8px;color:var(--ink-2);font-size:.93rem}
.dd-menu a:hover{background:var(--accent-soft);color:var(--accent-d);text-decoration:none}
.hdr .btn{margin-left:8px}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;width:42px;height:40px;cursor:pointer;padding:0}
.burger span{display:block;width:18px;height:2px;background:var(--ink);margin:4px auto;border-radius:2px;transition:.2s}
@media (max-width:1040px){
  .site-header{background:#fff;backdrop-filter:none;-webkit-backdrop-filter:none}
  .burger{display:block}
  .hdr .btn-hdr{display:none}
  .nav{position:fixed;inset:68px 0 0 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:12px 20px 40px;overflow-y:auto;margin:0;display:none}
  .nav.open{display:flex}
  .nav>a,.dd>button{padding:13px 4px;border-bottom:1px solid var(--line);border-radius:0;text-align:left;width:100%}
  .dd>button::after{display:none}
  .dd-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:4px 0 8px 12px;min-width:0}
  .nav .btn-mobile{display:flex;justify-content:center;margin-top:18px}
}
@media (min-width:1041px){.nav .btn-mobile{display:none}}

/* ---------- Hero (ana sayfa) ---------- */
.hero{background:radial-gradient(1100px 500px at 85% -10%,#dcecff 0%,rgba(220,236,255,0) 60%),linear-gradient(#fff,#fff);padding:64px 0 56px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{margin-bottom:.35em}
.hero h1 em{font-style:normal;color:var(--accent)}
.hero-lead{font-size:1.18rem;color:var(--ink-2);max-width:560px;margin-bottom:1.6em}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.chip{display:inline-flex;align-items:center;gap:7px;padding:8px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--ink);font-size:.92rem;font-weight:550;transition:.15s}
.chip:hover{border-color:var(--accent);color:var(--accent-d);text-decoration:none;box-shadow:0 4px 14px rgba(10,132,255,.12)}
.chip svg{width:16px;height:16px;color:var(--accent)}
.hero-trust{display:flex;flex-wrap:wrap;gap:18px;font-size:.88rem;color:var(--muted)}
.hero-trust span{display:inline-flex;align-items:center;gap:6px}
.hero-trust span::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--ok)}
.hero-visual{position:relative;aspect-ratio:1/1;max-width:440px;margin-left:auto;width:100%}
.hero-visual .hv-main{position:absolute;inset:8%;border-radius:32px;background:linear-gradient(145deg,#ffffff,#eef5ff);border:1px solid var(--line);box-shadow:0 30px 60px rgba(10,132,255,.14);display:grid;place-items:center}
.hero-visual .hv-main{overflow:hidden;background:#0b1a33}
.hero-visual .hv-main img{width:100%;height:100%;object-fit:cover}
.hv-tag{position:absolute;background:#fff;border:1px solid var(--line);border-radius:12px;padding:9px 14px;font-size:.86rem;font-weight:650;color:var(--ink);box-shadow:var(--shadow);display:flex;align-items:center;gap:8px}
.hv-tag i{width:9px;height:9px;border-radius:50%;background:var(--accent);display:block}
.hv-1{top:4%;left:0}.hv-2{top:22%;right:-2%}.hv-3{bottom:18%;left:-4%}.hv-4{bottom:3%;right:6%}
@media (max-width:880px){
  .hero{padding:40px 0}
  .hero-grid{grid-template-columns:1fr;gap:28px}
  .hero-visual{max-width:320px;margin:0 auto}
}

/* ---------- Sections ---------- */
.section{padding:72px 0}
.section.alt{background:var(--bg-soft)}
.section-head{max-width:720px;margin-bottom:34px}
.section-head p{color:var(--muted);font-size:1.05rem;margin:0}
.grid{display:grid;gap:18px}
.g-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g-4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:960px){.g-3,.g-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.g-2,.g-3,.g-4{grid-template-columns:1fr}.section{padding:52px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:.18s;display:flex;flex-direction:column}
a.card{color:inherit}
a.card:hover{border-color:#b9d8ff;box-shadow:var(--shadow);transform:translateY(-2px);text-decoration:none}
.card h3{margin-bottom:.35em}
.card p{font-size:.95rem;color:var(--muted);margin:0}
.card .more{margin-top:auto;padding-top:14px;font-size:.9rem;font-weight:650;color:var(--accent-d)}
.ico{width:42px;height:42px;border-radius:11px;background:var(--accent-soft);color:var(--accent);display:grid;place-items:center;margin-bottom:14px;flex:none}
.ico svg{width:22px;height:22px}
.concepts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.concept{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:14px 16px}
.concept b{display:block;color:var(--ink);font-size:.98rem}
.concept span{font-size:.88rem;color:var(--muted)}
@media (max-width:860px){.concepts{grid-template-columns:repeat(2,minmax(0,1fr))}}
.split{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media (max-width:780px){.split{grid-template-columns:1fr}}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.panel h3{display:flex;align-items:center;gap:10px}
.panel ul{margin-bottom:1em}
.links-inline{display:flex;flex-wrap:wrap;gap:10px 18px;font-weight:600;font-size:.95rem}

/* ---------- Lists, tables ---------- */
ul.check,ul.cross{list-style:none;padding:0}
ul.check li,ul.cross li{position:relative;padding-left:28px}
ul.check li::before{content:"";position:absolute;left:2px;top:.62em;width:14px;height:8px;border-left:2.2px solid var(--accent);border-bottom:2.2px solid var(--accent);transform:rotate(-45deg)}
ul.cross li::before,ul.cross li::after{content:"";position:absolute;left:4px;top:.78em;width:13px;height:2.2px;background:var(--no);transform:rotate(45deg)}
ul.cross li::after{transform:rotate(-45deg)}
ol.steps{list-style:none;padding:0;counter-reset:s}
ol.steps li{counter-increment:s;position:relative;padding:2px 0 10px 46px;margin:0 0 6px}
ol.steps li::before{content:counter(s);position:absolute;left:0;top:2px;width:30px;height:30px;border-radius:50%;background:var(--accent-soft);color:var(--accent-d);font-weight:750;font-size:.9rem;display:grid;place-items:center}
dl.terms{margin:0 0 1.2em;border-top:1px solid var(--line)}
dl.terms dt{font-weight:700;color:var(--ink);padding-top:14px}
dl.terms dd{margin:2px 0 0;padding-bottom:14px;border-bottom:1px solid var(--line)}
.table-wrap{overflow-x:auto;margin:0 0 1.2em;border:1px solid var(--line);border-radius:var(--radius-sm);-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:480px;background:#fff}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--bg-soft);color:var(--ink);font-weight:700;font-size:.9rem}
tbody tr:last-child td{border-bottom:0}
td:first-child{font-weight:600;color:var(--ink)}
.note{font-size:.92rem;color:var(--muted);background:var(--bg-soft);border-left:3px solid var(--accent);padding:10px 14px;border-radius:0 8px 8px 0}

/* ---------- Comparison cards ---------- */
.compare{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.compare h3{margin-bottom:14px}
.compare .table-wrap{border:0;margin:0}
.compare table{min-width:0;font-size:.9rem}
.compare th,.compare td{padding:9px 8px}
.compare thead th{background:none;border-bottom:2px solid var(--line)}
.compare .more{display:inline-block;margin-top:12px;font-size:.9rem;font-weight:650}

/* ---------- FAQ ---------- */
.faq-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:26px}
.faq-tabs a{padding:7px 14px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--ink);font-size:.9rem;font-weight:600}
.faq-tabs a:hover{border-color:var(--accent);color:var(--accent-d);text-decoration:none}
.faq-group{margin-bottom:34px;scroll-margin-top:90px}
.faq-group>h3{font-size:1.25rem;margin-bottom:12px;display:flex;align-items:center;gap:10px}
.faq-group>h3 small{font-size:.8rem;font-weight:600;color:var(--muted);background:var(--bg-soft);border-radius:999px;padding:2px 10px}
.faq{display:grid;gap:10px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;transition:border-color .15s;scroll-margin-top:90px}
.faq-item[open]{border-color:#b9d8ff;box-shadow:0 4px 18px rgba(10,132,255,.07)}
.faq-item summary{list-style:none;cursor:pointer;padding:16px 52px 16px 18px;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary h3,.faq-item summary h4{margin:0;font-size:1.02rem;font-weight:650;color:var(--ink);letter-spacing:0}
.faq-item summary::after{content:"";position:absolute;right:20px;top:50%;width:9px;height:9px;border-right:2px solid var(--accent);border-bottom:2px solid var(--accent);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq-item[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq-a{padding:0 18px 16px;color:var(--ink-2);font-size:.97rem}
.faq-a p{margin:0}

/* ---------- Ads ---------- */
.ad{position:relative;margin:36px auto;max-width:var(--max);padding:0 20px}
.ad a{display:block;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:var(--bg-soft)}
.ad img{width:100%;height:auto}
.ad-label{position:absolute;top:8px;right:30px;z-index:2;font-size:.68rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:rgba(13,27,42,.55);padding:2px 8px;border-radius:6px}
.ad-wide a{aspect-ratio:1920/495;max-height:240px}
.ad-wide img{width:100%;height:100%;object-fit:cover}
.ad-square{padding:0;margin:0 0 22px}
.ad-square .ad-label{right:10px}
.ad-square a{aspect-ratio:1/1;max-width:300px}
.ad-square img{width:100%;height:100%;object-fit:cover}
.article .ad{padding:0;margin:34px 0}
.article .ad-label{right:10px}

/* ---------- Subpage ---------- */
.page-hero{background:linear-gradient(180deg,#f2f8ff,#fff);padding:28px 0 36px;border-bottom:1px solid var(--line)}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:18px}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:#b6c0cc}
.crumbs a{color:var(--muted)}
.page-hero h1{font-size:clamp(1.85rem,4vw,2.7rem);max-width:820px}
.page-lead{font-size:1.12rem;max-width:780px;margin-bottom:16px}
.meta{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.86rem;color:var(--muted)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding:44px 20px 20px}
@media (max-width:980px){.layout{grid-template-columns:minmax(0,1fr);gap:10px}.aside{order:2}}
.article section{scroll-margin-top:90px;margin-bottom:38px}
.article h2{margin-top:.2em}
.summary{background:var(--accent-soft);border:1px solid #cfe4ff;border-radius:var(--radius);padding:20px 22px;margin-bottom:38px}
.summary h2{font-size:1.1rem;margin-bottom:8px}
.summary ul{margin:0}
.aside-inner{position:sticky;top:90px}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 10px;margin-bottom:22px}
.toc h2{font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:8px}
.toc ol{list-style:none;padding:0;margin:0;font-size:.92rem}
.toc li{margin:0}
.toc a{display:block;padding:6px 0;color:var(--ink-2);border-bottom:1px solid #f0f3f7}
.toc a:hover{color:var(--accent-d);text-decoration:none}
@media (max-width:980px){.aside-inner{position:static}.toc{display:none}}
.related{display:grid;gap:10px}
.related a{display:block;padding:12px 14px;border:1px solid var(--line);border-radius:10px;color:var(--ink);font-weight:600;font-size:.93rem;background:#fff}
.related a:hover{border-color:var(--accent);text-decoration:none;color:var(--accent-d)}
.aside h2.small{font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 8px}
.sources{font-size:.92rem}
.sources li{margin:.25em 0}
.disclaimer-box{font-size:.9rem;color:var(--muted);border:1px dashed var(--line);border-radius:var(--radius-sm);padding:14px 16px;margin-top:18px}

/* ---------- Glossary ---------- */
.az{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:26px}
.az a{width:38px;height:38px;display:grid;place-items:center;border:1px solid var(--line);border-radius:9px;font-weight:700;color:var(--ink);background:#fff}
.az a:hover{border-color:var(--accent);color:var(--accent-d);text-decoration:none}
.letter{scroll-margin-top:90px}
.letter h2{font-size:1.5rem;color:var(--accent);border-bottom:2px solid var(--accent-soft);padding-bottom:4px}

/* ---------- Sources & CTA ---------- */
.src-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
@media (max-width:860px){.src-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.src-grid{grid-template-columns:1fr}}
.src{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:14px 16px;color:var(--ink)}
.src:hover{border-color:var(--accent);text-decoration:none}
.src b{display:block;font-size:.98rem}
.src span{font-size:.86rem;color:var(--muted)}
.updated{display:inline-flex;align-items:center;gap:8px;margin-top:20px;font-size:.9rem;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px}
.cta-band{background:linear-gradient(120deg,#0A84FF,#0060cc);color:#fff;border-radius:22px;padding:40px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band p{margin:0;opacity:.92;max-width:620px}
.cta-band .btn{background:#fff;color:var(--accent-d)}
.cta-band .btn:hover{background:#eaf3ff}
.contact-card{max-width:760px}
.contact-mail{font-size:clamp(1.3rem,3vw,1.8rem);font-weight:800;color:var(--ink);word-break:break-all}

/* ---------- Footer ---------- */
.site-footer{background:#0b1726;color:#b8c4d3;margin-top:72px;padding:56px 0 26px;font-size:.93rem}
.site-footer a{color:#dbe5f1}
.site-footer h2{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.09em;margin-bottom:12px}
.f-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px}
@media (max-width:900px){.f-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.f-grid{grid-template-columns:1fr}}
.f-grid ul{list-style:none;padding:0;margin:0}
.f-grid li{margin:.4em 0}
.f-logo{color:#fff;font-weight:800;font-size:1.2rem;display:flex;align-items:center;gap:10px;margin-bottom:12px}
.f-logo img{width:30px;height:30px;border-radius:8px}
.f-logo .logo-t b{color:#4aa6ff}
.f-disclaimer{border-top:1px solid #1d2c3f;margin-top:36px;padding-top:22px;font-size:.84rem;line-height:1.65;color:#8fa0b4}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;margin-top:16px;font-size:.84rem;color:#8fa0b4}
.site-footer .btn{margin-top:10px}
section[id],.compare{scroll-margin-top:72px}