/* ============================================================
   Pénzügy: haszon, ajánlat, szimulációk, költségek (tulajdonos)
   ============================================================ */
.fin-tabs{display:flex;gap:4px;background:var(--surface);box-shadow:var(--tile-shadow);border-radius:16px;padding:5px;margin-bottom:16px;overflow-x:auto;scrollbar-width:none}
.fin-tabs button{display:flex;align-items:center;gap:7px;padding:8px 14px;border-radius:12px;font-size:13.5px;font-weight:600;color:var(--muted);white-space:nowrap}
.fin-tabs button.on{background:var(--text);color:var(--bg)}
.fin-tabs button:not(.on):hover{background:var(--surface-2)}
.neg{color:var(--danger) !important}
.pos{color:var(--ok)}
.pf-water{display:flex;flex-wrap:wrap;align-items:center;gap:6px 10px;margin-top:14px;font-size:11.5px;opacity:.85}
.pf-water span{display:flex;flex-direction:column}
.pf-water b{font-size:13.5px}
.pf-water i{font-style:normal;opacity:.6}
.pf-row{display:grid;grid-template-columns:minmax(0,1.6fr) repeat(4,minmax(0,1fr)) 100px;gap:12px;align-items:center;padding:10px 4px;border-top:1px solid var(--border);font-size:13.5px}
.pf-row .num{text-align:right;display:flex;flex-direction:column}
.pf-row .num span{font-size:11.5px;color:var(--muted)}
.pf-head{font-size:11px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--muted);border-top:0}
.pf-head > div:not(:first-child){text-align:right}
.pf-row > div:last-child{text-align:right}
.pf-foot{font-weight:700;background:var(--surface-2);border-radius:12px;border-top:0;margin-top:6px}
.pf-conc{display:flex;height:16px;border-radius:99px;overflow:hidden;gap:2px;margin:6px 0 10px}
.pf-conc i{display:block;height:100%}
.pf-conc-l{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:12.5px}
.pf-conc-l span{display:flex;align-items:center;gap:6px}
.pf-conc-l i{width:10px;height:10px;border-radius:3px}
.pf-person{display:flex;align-items:center;gap:10px;padding:8px 0;border-top:1px solid var(--border)}
.pf-person b{display:block;font-size:13.5px}
.pf-person .muted{font-size:12px}
.pf-pipe{display:flex;gap:10px;align-items:center;padding:9px 0;border-top:1px solid var(--border);cursor:pointer;font-size:13px}
.pf-pipe .num{display:flex;flex-direction:column}
.pf-pipe span{font-size:11.5px}
.pf-pipe-sum{font-size:12.5px;color:var(--muted);margin-top:8px}
.pf-offer{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.9fr);gap:14px;align-items:start}
.pf-offer .grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.pf-res{position:sticky;top:16px}
.pf-verdict{display:flex;align-items:center;gap:9px;padding:12px 14px;border-radius:12px;font-weight:700;font-size:14px;margin-bottom:10px}
.pf-verdict.ok{background:var(--ok-bg);color:var(--ok)}
.pf-verdict.bad{background:var(--danger-bg);color:var(--danger)}
.pf-suggest{display:flex;flex-direction:column;padding:14px;border-radius:14px;background:var(--forest);color:#fff;margin:12px 0}
.pf-suggest span{font-size:12px;opacity:.75;text-transform:uppercase;letter-spacing:.6px;font-weight:700}
.pf-suggest b{font-size:28px;font-weight:900;letter-spacing:-.6px}
.pf-suggest small{opacity:.75}
.pf-sims{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.pf-sim-h{font-size:15px;font-weight:800;margin-bottom:8px;display:flex;align-items:center;gap:8px}
.pf-sim-h i{color:var(--green)}
.pf-sims p{font-size:13px;margin-bottom:10px}
.pf-rng{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.pf-rng input{flex:1;accent-color:var(--green)}
.pf-rng b{min-width:92px;text-align:right;font-size:13px}
.pf-out{display:flex;flex-direction:column;padding:12px 14px;border-radius:12px;background:var(--surface-2);margin-top:6px}
.pf-out span{font-size:12px;color:var(--muted)}
.pf-out b{font-size:22px;font-weight:800}
.pf-out small{font-size:12px;font-weight:600}
.pf-cost{display:grid;grid-template-columns:minmax(0,1.4fr) 150px 180px 110px 100px;gap:10px;align-items:center;padding:8px 0;border-top:1px solid var(--border)}
.pf-cost.pf-head{border-top:0}
.pf-cost .num{text-align:right}
@media (max-width:1100px){
  .pf-offer,.pf-sims{grid-template-columns:1fr}
  .pf-res{position:static}
}
@media (max-width:820px){
  .pf-row{grid-template-columns:minmax(0,1fr) auto;gap:4px 10px}
  .pf-row > div:nth-child(3),.pf-row > div:nth-child(5){display:none}
  .pf-row > .num:nth-child(4){grid-column:1;text-align:left;flex-direction:row;gap:8px}
  .pf-row.pf-head{display:none}
  .pf-cost{grid-template-columns:1fr 1fr}
  .pf-cost .frow-c{grid-column:1/-1}
  .pf-cost.pf-head{display:none}
  .pf-offer .grid4{grid-template-columns:repeat(2,minmax(0,1fr))}
}

/* ── „Mit tegyek most?” javaslatok ──────────────────────── */
.ins-tile{margin-bottom:16px;padding:16px 16px 10px}
.ins-h{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:10px}
.ins-h b{font-size:16px;font-weight:800;display:flex;align-items:center;gap:8px}
.ins-h b i{color:var(--green)}
.ins-h span{display:block;font-size:12.5px;color:var(--muted);margin-top:2px}
.ins{display:grid;grid-template-columns:36px minmax(0,1fr) auto;gap:12px;align-items:start;padding:11px 10px;border-radius:14px;margin-bottom:6px;background:var(--surface-2);position:relative}
.ins::before{content:"";position:absolute;left:0;top:10px;bottom:10px;width:3px;border-radius:3px;background:var(--border-strong)}
.ins-high::before{background:var(--danger)}
.ins-med::before{background:var(--client)}
.ins-low::before{background:var(--plan)}
.ins-ic{width:36px;height:36px;border-radius:11px;display:flex;align-items:center;justify-content:center;font-size:15px;background:var(--surface);color:var(--muted)}
.ins-high .ins-ic{background:var(--danger-bg);color:var(--danger)}
.ins-med .ins-ic{background:var(--client-bg);color:var(--client)}
.ins-low .ins-ic{background:var(--plan-bg);color:var(--plan)}
.ins-t{min-width:0}
.ins-t b{display:block;font-size:14px;line-height:1.35}
.ins-t > span{display:block;font-size:12.5px;color:var(--muted);margin-top:2px}
.ins-why summary{cursor:pointer;font-size:12px;font-weight:600;color:var(--muted);margin-top:4px;display:inline-block}
.ins-why p{font-size:12.5px;color:var(--text-2);margin-top:4px;background:var(--surface);border-radius:10px;padding:8px 10px}
.ins-a{display:flex;gap:5px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.ins-empty{display:flex;align-items:center;gap:10px;padding:14px;border-radius:14px;background:var(--green-50);font-size:14px;font-weight:600}
.ins-empty i{color:var(--green)}
.ins-more{margin:4px 0 4px 48px}
.ins-owner-chip{display:flex;align-items:center;gap:8px;width:100%;padding:11px 16px;margin:-6px 0 16px;border-radius:14px;background:var(--forest);color:#fff;font-size:13.5px;font-weight:600;text-align:left}
.ins-owner-chip .fa-arrow-right{margin-left:auto}
.ins-dec{margin-bottom:16px}
.ins-dec summary{cursor:pointer;display:flex;align-items:center;gap:10px;font-size:14px}
.ins-dec summary b i{color:var(--green);margin-right:6px}
.ins-dec summary .muted{font-size:12.5px}
.dec-row{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-top:1px solid var(--border);margin-top:8px;font-size:13.5px}
.dec-row b{display:block}
.dec-row .muted{font-size:12px}
.dec-eval{display:flex;flex-direction:column;align-items:flex-end;gap:2px;font-size:12.5px;text-align:right;flex:none}
@media (max-width:820px){
  .ins{grid-template-columns:32px minmax(0,1fr)}
  .ins-ic{width:32px;height:32px}
  .ins-a{grid-column:2;justify-content:flex-start}
  .ins-more{margin-left:0}
}
/* A4: mobilon minden költségmező mellett ott a megnevezés és a mértékegység */
.pf-f{display:block;min-width:0}
.pf-l{display:none;font-size:11px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.pf-cost .pf-f .num{text-align:right}
@media (max-width:820px){ .pf-l{display:block} .pf-cost .pf-f .num{text-align:left;padding-top:8px} }
/* A3: fejléc + magyarázat ne csússzon egymásra */
.tile-h{flex-wrap:wrap;gap:4px 12px}
.tile-h > .muted{min-width:0}