/* =========================================================
   Kredithelden – Shared styles (redesign concept)
   ========================================================= */
:root{
  --brand: #008EAD;
  --brand-700: #006F8F;
  --brand-900: #004F68;
  --brand-50:  #E4F5FA;
  --brand-25:  #F0FAFC;

  --accent: #F5A623;
  --accent-700: #C7861A;
  --accent-50: #FEF4E0;

  --ink: #0A1E2C;
  --body: #2E4250;
  --muted: #6E7E86;
  --line: #D8EEF3;
  --line-strong: #B8D8E0;

  --bg: #FFFFFF;
  --bg-soft: #F5FBFC;     /* brand-tinted off-white */
  --bg-cool: #EAF6FA;     /* light brand tint */

  --ok: #1E9E62;
  --err: #C0392B;

  --shadow-sm: 0 1px 2px rgba(11,31,42,.06), 0 1px 1px rgba(11,31,42,.04);
  --shadow-md: 0 8px 24px -8px rgba(11,31,42,.14), 0 2px 4px rgba(11,31,42,.04);
  --shadow-lg: 0 24px 60px -20px rgba(11,31,42,.22), 0 6px 12px rgba(11,31,42,.05);

  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 18px;
  --radius-xl: 28px;

  --font-sans: 'Titillium Web', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-serif: Georgia, 'Times New Roman', serif;

  --container: 1240px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;font-size:18px}
body{
  margin:0;
  font-family:var(--font-sans);
  font-size:18px;
  line-height:1.55;
  color:var(--body);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--brand-700);text-decoration:none}
a:hover{color:var(--brand-900)}
h1,h2,h3,h4{font-family:var(--font-sans);color:var(--ink);letter-spacing:-0.01em;margin:0 0 .4em;line-height:1.15;text-wrap:balance}
h1{font-size:clamp(2rem,4.2vw,3.5rem);font-weight:700;letter-spacing:-0.02em}
h2{font-size:clamp(1.6rem,2.6vw,2.4rem);font-weight:700;letter-spacing:-0.015em}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.lead{font-size:1.125rem;color:var(--body);max-width:62ch}
.eyebrow{
  display:inline-flex;align-items:center;gap:.5rem;
  font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--brand-700);
}
.eyebrow::before{content:"";width:18px;height:1.5px;background:var(--brand);display:inline-block}

/* Container ----------------------------------------------- */
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:24px}
@media (min-width:1100px){.container{padding-inline:40px}}

/* Buttons ------------------------------------------------- */
.btn{
  display:inline-flex;align-items:center;gap:.55rem;
  font-family:inherit;font-weight:700;font-size:1rem;
  padding:.85rem 1.4rem;border-radius:999px;
  border:1.5px solid transparent;cursor:pointer;
  transition:.18s ease;line-height:1;letter-spacing:.005em;
  white-space:nowrap;
}
.btn .arrow{transition:transform .2s ease;display:inline-block}
.btn:hover .arrow{transform:translateX(3px)}
.btn-primary{background:var(--accent);color:#1a1006;box-shadow:0 6px 16px -6px rgba(245,166,35,.55)}
.btn-primary:hover{background:var(--accent-700);color:#fff}
.btn-secondary{background:var(--brand);color:#fff}
.btn-secondary:hover{background:var(--brand-700)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--ink);background:var(--bg-soft)}
.btn-link{background:transparent;color:var(--brand-700);padding:.4rem 0}
.btn-link:hover{color:var(--brand-900)}
.btn-lg{padding:1.1rem 1.8rem;font-size:1rem}
.btn-sm{padding:.55rem .9rem;font-size:1rem}

/* Top bar ------------------------------------------------- */
.top-bar{
  display:none;
  background:var(--ink);
  color:rgba(255,255,255,.75);
  font-size:1rem;
  font-weight:500;
  letter-spacing:.01em;
  border-bottom:1px solid rgba(255,255,255,.08);
}
@media (min-width:980px){.top-bar{display:block}}
.top-bar-inner{
  display:flex;align-items:center;justify-content:space-between;
  gap:16px;padding:8px 0;
}
.top-bar-left{
  display:flex;align-items:center;gap:7px;
  color:rgba(255,255,255,.65);
}
.top-bar-left svg{flex-shrink:0;color:rgba(255,255,255,.65)}
.top-bar-right{
  display:flex;align-items:center;gap:18px;
}
.top-bar-right a{
  display:flex;align-items:center;gap:5px;
  color:rgba(255,255,255,.75);
  text-decoration:none;
  transition:color .15s;
  white-space:nowrap;
}
.top-bar-right a:hover{color:#fff}
.top-bar-right a svg{flex-shrink:0;opacity:.7}
.top-bar-right a:hover svg{opacity:1}

/* Header & nav ------------------------------------------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.86);
  backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  gap:24px;padding:14px 0;
}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand-logo{height:52px;width:auto;display:block}
.brand-logo-footer{filter:brightness(0) invert(1);opacity:.90}
.brand-mark{
  width:36px;height:36px;border-radius:10px;
  background:linear-gradient(135deg,var(--brand) 0%,var(--brand-700) 100%);
  display:grid;place-items:center;color:#fff;font-weight:800;font-size:1.1rem;
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.15);
}
.brand-name{font-family:var(--font-sans);font-weight:800;font-size:1.15rem;color:var(--ink);letter-spacing:-.02em}
.brand-name .de{color:var(--muted);font-weight:500}
.nav-links{display:none;gap:6px;align-items:center;list-style:none;margin:0;padding:0}
@media (min-width:980px){.nav-links{display:flex}}
.nav-links a{
  color:var(--ink);font-weight:600;font-size:1rem;
  padding:.55rem .85rem;border-radius:8px;
  transition:.15s;
}
.nav-links a:hover{background:var(--bg-soft);color:var(--ink)}
.nav-links a.active{color:var(--brand-700)}

/* ============ Mega menu ============ */
.nav-links li.has-mega{position:relative}
.nav-links li.has-mega > a{display:inline-flex;align-items:center;gap:6px}
.nav-links li.has-mega > a::after{
  content:"";width:8px;height:8px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;
  transform:rotate(45deg) translateY(-2px);opacity:.6;margin-left:2px;transition:transform .15s;
}
.nav-links li.has-mega:hover > a::after,
.nav-links li.has-mega.open > a::after{transform:rotate(-135deg) translateY(0);opacity:1}
.nav-links li.has-mega:hover > a,
.nav-links li.has-mega.open > a{background:var(--bg-soft);color:var(--ink)}

.mega{
  position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(-6px);
  width:min(880px, 92vw);
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-xl);
  box-shadow:0 24px 60px -20px rgba(11,31,42,.25), 0 6px 16px rgba(11,31,42,.06);
  padding:28px;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .18s ease, transform .18s ease, visibility .18s;
  z-index:60;
}
/* Invisible hover-bridge so the gap between trigger and panel doesn't close it */
.mega::before{content:"";position:absolute;left:0;right:0;top:-18px;height:20px}
.nav-links li.has-mega:hover .mega,
.nav-links li.has-mega.open .mega,
.mega:hover{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}

.mega-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.mega-item{
  display:flex;gap:14px;padding:14px;border-radius:var(--radius);
  text-decoration:none;color:inherit;transition:.15s;align-items:flex-start;
  border:1px solid transparent;
}
.mega-item:hover{background:var(--bg-soft);border-color:var(--line)}
.mega-item .mi-ic{
  flex-shrink:0;width:44px;height:44px;border-radius:12px;
  background:var(--brand-50);color:var(--brand-700);
  display:grid;place-items:center;
}
.mega-item:hover .mi-ic{background:var(--brand);color:#fff}
.mega-item strong{display:block;color:var(--ink);font-size:1rem;margin-bottom:2px;font-weight:700}
.mega-item span{color:var(--muted);font-size:1rem;line-height:1.4;display:block}

.mega-foot{
  display:flex;justify-content:space-between;align-items:center;gap:18px;
  margin-top:22px;padding-top:20px;border-top:1px solid var(--line);
}
.mega-foot .mf-left{display:flex;flex-direction:column;gap:2px}
.mega-foot .mf-left strong{color:var(--ink);font-size:1rem}
.mega-foot .mf-left span{color:var(--muted);font-size:1rem}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-phone{display:none;font-weight:700;color:var(--ink);font-size:1rem;align-items:center;gap:6px}
.nav-phone a{color:var(--ink);text-decoration:none;font-weight:700;font-size:1rem}
.nav-phone a:hover{color:var(--brand)}
.nav-phone span{color:var(--muted);font-weight:500;font-size:1rem;display:block;line-height:1}
@media (min-width:760px){.nav-phone{display:inline-flex;flex-direction:column;align-items:flex-end}}

/* Hero ratings strip ------------------------------------- */
.trust-strip{
  display:flex;align-items:center;justify-content:center;
  flex-wrap:wrap;gap:18px 32px;
  padding:12px 24px;
  background:var(--ink);color:#cfe3e6;
  font-size:1rem;font-weight:500;letter-spacing:.01em;
}
.trust-strip .item{display:flex;align-items:center;gap:8px}
.trust-strip strong{color:#fff}
.trust-strip .stars{color:#FFC02E;letter-spacing:.05em}

/* Section utilities --------------------------------------- */
.section{padding:88px 0}
.section-sm{padding:56px 0}
.section-tight{padding:48px 0}
.section-soft{background:var(--bg-soft)}
.section-cool{background:var(--bg-cool)}

/* Sektion mit Hintergrundbild (wie Hero skalierend) */
.section-has-bg{
  background-image:var(--section-bg, none);
  background-size:cover;
  background-position:center top;
  background-repeat:no-repeat;
}

/* Sektion ohne Container-Breitenbegrenzung (vollbreite Inhalte) */
.section-full .container{max-width:100%;padding-inline:0}
.section-wm{position:relative;overflow:hidden}
.section-wm::before{
  content:"kredithelden";
  position:absolute;
  top:50%;left:50%;
  transform:translate(-50%,-50%);
  font-family:var(--font-sans);
  font-size:clamp(90px,14vw,180px);
  font-weight:700;
  letter-spacing:-0.03em;
  white-space:nowrap;
  color:var(--brand);
  opacity:.07;
  pointer-events:none;
  user-select:none;
  z-index:0;
}
.section-wm .container{position:relative;z-index:1}

/* ── Dot-Grid Overlay ───────────────────────────────────────── */
.section-dots{position:relative;overflow:hidden}
.section-dots::before{
  content:'';position:absolute;inset:0;
  background-image:radial-gradient(circle, var(--brand) 1.5px, transparent 1.5px);
  background-size:30px 30px;
  opacity:.06;pointer-events:none;z-index:0;
}
.section-dots>.container{position:relative;z-index:1}

/* ── SVG-Welle am Sektionsende (Füllung weiß) ───────────────── */
.wave-bottom::after{
  content:'';position:absolute;
  bottom:0;left:0;width:100%;height:80px;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 80' preserveAspectRatio='none'%3E%3Cpath d='M0,48 C240,80 480,16 720,48 C960,80 1200,16 1440,48 L1440,80 L0,80 Z' fill='%23ffffff'/%3E%3C/svg%3E") no-repeat bottom/100% 100%;
  pointer-events:none;z-index:3;
}

.section-ink{background:var(--ink);color:#cfd6da}
.section-ink h1,.section-ink h2,.section-ink h3{color:#fff}
.section-head{max-width:760px;margin-bottom:48px}
.section-head.center{margin-inline:auto;text-align:center}
.section-head p{}

/* Cards --------------------------------------------------- */
.card{
  background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);padding:28px;
  transition:.2s;
}
.card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}

/* Footer -------------------------------------------------- */
.site-footer{background:var(--ink);color:rgba(255,255,255,.65);padding:64px 0 24px;margin-top:80px}
.site-footer .row{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:48px}
@media (max-width:880px){.site-footer .row{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.site-footer .row{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:1rem;letter-spacing:.04em;text-transform:uppercase;margin-bottom:18px}
.site-footer a{color:rgba(255,255,255,.65);display:block;padding:5px 0;font-size:1rem}
.site-footer a:hover{color:#fff}
.site-footer .legal{
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;
  margin-top:48px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);
  font-size:1rem;color:rgba(255,255,255,.5);
}
.site-footer .legal-links{display:flex;gap:18px;flex-wrap:wrap}
.site-footer .legal-links a{display:inline;padding:0}

/* Reused placeholders ----------------------------------- */
.placeholder-img{
  background:
    repeating-linear-gradient(135deg, rgba(14,143,159,.08) 0 8px, transparent 8px 18px),
    linear-gradient(180deg, var(--bg-cool), #e4ecee);
  border-radius:var(--radius);
  display:grid;place-items:center;
  color:var(--brand-700);
  font-family:ui-monospace,Menlo,Consolas,monospace;
  font-size:1rem;letter-spacing:.05em;text-transform:uppercase;
  font-weight:600;
}

/* Badges -------------------------------------------------- */
.tag{
  display:inline-flex;align-items:center;gap:6px;
  background:var(--brand-50);color:var(--brand-700);
  padding:5px 11px;border-radius:999px;
  font-size:.75rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;
}
.tag.warm{background:var(--accent-50);color:var(--accent-700)}
.tag.ink{background:#0B1F2A;color:#fff}

/* Subheader for inner pages ------------------------------- */
.page-hero{
  padding:64px 0 48px;
  background:
    radial-gradient(1200px 360px at 90% -40%, rgba(14,143,159,.10), transparent 60%),
    var(--bg-soft);
  border-bottom:1px solid var(--line);
}
.page-hero .crumbs{font-size:1rem;color:var(--muted);margin-bottom:14px}
.page-hero .crumbs a{color:var(--muted)}
.page-hero .crumbs a:hover{color:var(--ink)}
.page-hero h1{margin-bottom:.4em}
.page-hero .lead{font-size:1.15rem}

/* ── Glossar ──────────────────────────────────────────────── */
.glossar-hero{
  padding:64px 0 32px;
  background:
    radial-gradient(900px 380px at 90% -20%, rgba(14,143,159,.12), transparent 60%),
    var(--bg-soft);
  border-bottom:1px solid var(--line);
  position:relative;overflow:hidden;
}
.glossar-hero::before{
  content:"Aa";
  position:absolute;right:48px;top:-40px;
  font-family:var(--font-serif);font-style:italic;font-weight:700;
  font-size:18rem;color:rgba(14,143,159,.06);line-height:.9;pointer-events:none;
}
.glossar-hero .crumbs{font-size:1rem;color:var(--muted);margin-bottom:14px}
.glossar-hero .crumbs a{color:var(--muted)}
.glossar-hero h1{font-size:clamp(2.2rem,4.2vw,3.6rem);font-weight:800;letter-spacing:-.025em;margin-bottom:.4em}
.glossar-hero h1 .serif{font-family:var(--font-serif);font-style:italic;font-weight:600;color:var(--brand-700)}
.glossar-hero .lead{font-size:1.15rem;max-width:680px}
.gloss-search{
  background:#fff;border:1.5px solid var(--line);border-radius:16px;
  padding:8px 8px 8px 20px;display:flex;align-items:center;gap:12px;
  max-width:560px;margin-top:28px;box-shadow:var(--shadow-sm);transition:.15s;
}
.gloss-search:focus-within{border-color:var(--brand);box-shadow:0 0 0 4px rgba(14,143,159,.10)}
.gloss-search svg{color:var(--muted)}
.gloss-search input{border:0;outline:none;background:transparent;flex:1;font:inherit;font-size:1rem;color:var(--ink);min-width:0}
.gloss-search button{background:var(--brand);color:#fff;border:0;border-radius:10px;padding:.7rem 1.1rem;font-weight:700;cursor:pointer;font-family:inherit}
.gloss-stats{display:flex;gap:24px;margin-top:24px;color:var(--muted);font-size:1rem}
.gloss-stats strong{color:var(--ink);font-size:1.4rem;display:block;font-weight:800;letter-spacing:-.01em}
.azbar{
  position:sticky;top:64px;z-index:30;
  background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line);padding:14px 0;
}
.azbar-inner{display:flex;gap:6px;flex-wrap:wrap;justify-content:center}
.azbar a{width:32px;height:32px;border-radius:8px;display:grid;place-items:center;font-weight:700;font-size:1rem;color:var(--ink);background:transparent;border:1px solid transparent;transition:.12s}
.azbar a:hover{background:var(--brand-50);color:var(--brand-700)}
.azbar a.empty{color:#C5CDD0;cursor:default;pointer-events:none}
.azbar a.current{background:var(--brand);color:#fff;border-color:var(--brand);box-shadow:0 4px 10px rgba(14,143,159,.3)}
.gloss-body{display:grid;grid-template-columns:260px 1fr 260px;gap:48px;padding:48px 0 96px}
@media(max-width:1100px){.gloss-body{grid-template-columns:1fr;gap:32px}}
.gloss-side{position:sticky;top:140px;align-self:start;font-size:1rem}
@media(max-width:1100px){.gloss-side{display:none}}
.gloss-side h4{font-size:1rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:0 0 10px;font-weight:700}
.gloss-side nav a{display:flex;align-items:center;justify-content:space-between;padding:7px 10px;border-radius:6px;color:var(--body)!important;font-weight:500;font-size:18px;transition:.12s}
.gloss-side nav a:hover{background:var(--bg-soft);color:var(--ink)}
.gloss-side nav a.active{background:var(--brand-50);color:var(--brand-700);font-weight:700}
.gloss-side nav .letter-group{margin-bottom:12px}
.gloss-side nav .letter-head{font-family:var(--font-serif);font-style:italic;font-weight:700;font-size:1.5rem;color:var(--brand-700);padding:6px 10px;line-height:1;margin-bottom:2px}
.gloss-main{min-width:0}
.letter-section{margin-bottom:64px;scroll-margin-top:140px}
.letter-section-head{display:flex;align-items:center;gap:20px;margin-bottom:28px;padding-bottom:14px;border-bottom:1px solid var(--line)}
.letter-section-head .big{font-family:var(--font-serif);font-style:italic;font-weight:700;font-size:5rem;color:var(--brand-700);line-height:.85;letter-spacing:-.02em}
.letter-section-head .meta{display:flex;flex-direction:column;gap:4px}
.letter-section-head .meta h2{font-size:1.5rem;margin:0;color:var(--ink)}
.letter-section-head .meta span{color:var(--muted);font-size:1rem}
.entry{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px 32px;margin-bottom:18px;scroll-margin-top:140px;transition:.18s}
.entry:target,.entry:hover{border-color:var(--brand-50);box-shadow:var(--shadow-md)}
.entry-head{display:flex;align-items:baseline;gap:16px;margin-bottom:14px;flex-wrap:wrap}
.entry h3{font-size:1.6rem;font-weight:800;color:var(--ink);letter-spacing:-.02em;margin:0;line-height:1.1}
.entry h3 .anchor{font-family:var(--font-serif);font-style:italic;color:var(--brand-700);font-size:.8em;font-weight:500;margin-left:8px;opacity:.6}
.entry .tags{display:flex;gap:6px;flex-wrap:wrap}
.entry .tag-sm{background:var(--bg-soft);color:var(--muted);padding:3px 8px;border-radius:6px;font-size:.72rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.entry .tag-sm.brand{background:var(--brand-50);color:var(--brand-700)}
.entry .summary{font-family:var(--font-serif);font-style:italic;font-size:20px;color:var(--ink);font-weight:500;margin:0 0 14px;line-height:1.45}
.entry p{font-size:1rem;color:var(--body);line-height:1.65;margin:0 0 .8em}
.entry-content,.entry-content *{font-family:var(--font-sans)!important}
.entry-content p,.entry-content li,.entry-content span,.entry-content td{font-size:18px !important;line-height:1.65 !important}
.entry p:last-child{margin-bottom:0}
.entry .infobox{background:var(--brand-25,rgba(14,143,159,.06));border-left:4px solid var(--brand);padding:16px 20px;border-radius:0 var(--radius) var(--radius) 0;margin:16px 0}
.entry .infobox h4{font-size:1rem;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-700);margin:0 0 6px;font-weight:700}
.entry .infobox p{margin:0;font-size:1rem}
.entry .crosslinks{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px;padding-top:14px;border-top:1px dashed var(--line);align-items:center}
.entry .crosslinks .label{font-size:1rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:600;margin-right:4px}
.entry .crosslinks a{background:var(--bg-soft);color:var(--brand-700);font-weight:600;padding:5px 11px;border-radius:6px;font-size:1rem;transition:.12s}
.entry .crosslinks a:hover{background:var(--brand-50)}
.gloss-right{position:sticky;top:140px;align-self:start;display:flex;flex-direction:column;gap:24px}
@media(max-width:1100px){.gloss-right{position:relative;top:auto}}
.popular{display:flex;flex-direction:column;gap:0}
.popular a{display:flex;align-items:center;gap:10px;padding:10px 0;border-bottom:1px dashed var(--line);color:var(--ink);font-weight:600;font-size:1rem}
.popular a:last-child{border-bottom:0}
.popular a:hover{color:var(--brand-700)}
.popular .num{font-family:var(--font-sans);color:var(--brand);font-weight:700;font-size:18px;min-width:22px}
.help-card{background:linear-gradient(135deg,var(--ink) 0%,#0F2D3A 100%);color:#fff;padding:24px;border-radius:var(--radius-lg)}
.help-card h4{color:var(--brand);margin-bottom:6px;font-size:1rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700}
.help-card h3{color:#fff;font-size:1.1rem;margin:0 0 6px}
.help-card p{margin:0 0 16px;color:#cfe3e6;font-size:1rem}
.help-card .btn{width:100%;justify-content:center}

/* Focus styles ------------------------------------------- */
:focus-visible{outline:2px solid var(--brand);outline-offset:2px;border-radius:6px}

/* Small utilities ---------------------------------------- */
.grid{display:grid;gap:24px}
.row{display:flex;flex-wrap:wrap;gap:16px;align-items:center}
.flex-between{display:flex;justify-content:space-between;align-items:center;gap:16px}
.mt-0{margin-top:0}.mt-4{margin-top:1rem}.mt-8{margin-top:2rem}
.mb-0{margin-bottom:0}.mb-4{margin-bottom:1rem}.mb-8{margin-bottom:2rem}
.text-center{text-align:center}
.text-muted{color:var(--muted)}
.text-ink{color:var(--ink)}

/* ── Mobile Navigation ─────────────────────────────────────── */

/* Hamburger — always in DOM, only visible on mobile */
.nav-toggle{
  display:none;
  flex-direction:column;justify-content:center;gap:5px;
  width:44px;height:44px;padding:10px;
  background:none;border:none;cursor:pointer;border-radius:8px;
  flex-shrink:0;transition:background .15s;
}
.nav-toggle:hover{background:var(--bg-soft)}
.nav-toggle span{
  display:block;width:20px;height:2px;
  background:var(--ink);border-radius:2px;
  transition:transform .3s cubic-bezier(.4,0,.2,1), opacity .22s ease;
  transform-origin:center;
}
.site-header.nav-open .nav-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.site-header.nav-open .nav-toggle span:nth-child(2){opacity:0;transform:scaleX(0)}
.site-header.nav-open .nav-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-toggle-label{display:none;font-size:.62rem;font-weight:700;font-style:normal;color:var(--ink);letter-spacing:.06em;text-transform:uppercase;line-height:1;margin-top:2px}
@media(max-width:979px){.nav-toggle{height:auto;padding:6px 10px}.nav-toggle-label{display:block}}

/* CTA drawer block hidden on desktop */
.mobile-drawer-cta{display:none}

/* ── Backdrop (body-level, no stacking context issues) ── */
.mobile-backdrop{
  position:fixed;inset:0;
  background:rgba(10,30,44,.52);
  z-index:9998;
  opacity:0;visibility:hidden;
  transition:opacity .3s ease, visibility 0s linear .3s;
}
.mobile-backdrop.is-visible{
  opacity:1;visibility:visible;
  transition:opacity .3s ease, visibility 0s linear 0s;
}

/* ── Drawer (body-level) ── */
.mobile-drawer{
  position:fixed;
  top:0;right:0;bottom:0;
  width:min(340px,86vw);
  background:#fff;
  z-index:9999;
  display:flex;flex-direction:column;
  overflow-y:auto;
  -webkit-overflow-scrolling:touch;
  box-shadow:-8px 0 56px rgba(10,30,44,.22);
  transform:translateX(110%);
  visibility:hidden;
  transition:transform .38s cubic-bezier(.4,0,.2,1), visibility 0s linear .38s;
}
.mobile-drawer.is-open{
  transform:translateX(0);
  visibility:visible;
  transition:transform .38s cubic-bezier(.4,0,.2,1), visibility 0s linear 0s;
}
/* On desktop: never show the body-level drawer */
@media(min-width:980px){.mobile-drawer{display:none !important}}

/* ── Close button inside drawer ── */
.drawer-close-btn{
  position:absolute;top:14px;right:14px;
  width:40px;height:40px;
  background:var(--bg-soft);border:1px solid var(--line);
  border-radius:50%;cursor:pointer;
  display:grid;place-items:center;
  color:var(--ink);
  transition:background .15s, border-color .15s;
  flex-shrink:0;
}
.drawer-close-btn:hover{background:var(--line);border-color:var(--line-strong)}

/* ── Mobile styles ── */
@media(max-width:979px){
  .nav-toggle{display:flex}
  /* Hide CTA button in header bar (shown inside drawer) */
  .nav-cta .btn-primary{display:none}
  body.nav-menu-open{overflow:hidden}

  /* Drawer header padding — below the close btn */
  .mobile-drawer{padding-top:68px}

  /* Nav links */
  .mobile-drawer .nav-links{
    display:flex !important;
    flex-direction:column;
    gap:0;padding:0;margin:0;list-style:none;
    flex-shrink:0;
  }
  .mobile-drawer .nav-links li{border-bottom:1px solid var(--line)}
  .mobile-drawer .nav-links li:first-child{border-top:1px solid var(--line)}
  .mobile-drawer .nav-links a{
    display:flex;align-items:center;
    padding:16px 24px;
    font-size:1rem;font-weight:600;
    color:var(--ink);border-radius:0;
    transition:background .12s, color .12s;
    letter-spacing:-.01em;
  }
  .mobile-drawer .nav-links a:hover,
  .mobile-drawer .nav-links a:focus-visible{background:var(--bg-soft);color:var(--brand-700)}
  .mobile-drawer .nav-links a.active{color:var(--brand-700)}

  /* Leistungen sub-menu — always expanded */
  .mobile-drawer .nav-links li.has-mega > a::after{display:none}
  .mobile-drawer .mega{
    position:static !important;
    transform:none !important;
    width:100% !important;
    opacity:1 !important;
    visibility:visible !important;
    pointer-events:auto !important;
    box-shadow:none !important;
    border:none !important;
    border-top:1px solid var(--line) !important;
    border-radius:0 !important;
    padding:4px 0 8px 0 !important;
    background:var(--bg-soft) !important;
    transition:none !important;
  }
  .mobile-drawer .mega::before{display:none}
  .mobile-drawer .mega-grid{grid-template-columns:1fr;gap:0}
  .mobile-drawer .mega-item{
    padding:11px 24px 11px 40px;
    border-radius:0;border:none !important;
    background:transparent !important;
  }
  .mobile-drawer .mega-item:hover{background:var(--bg-cool) !important}
  .mobile-drawer .mega-item .mi-ic{
    width:32px;height:32px;border-radius:8px;flex-shrink:0;
  }
  .mobile-drawer .mega-item strong{font-size:1rem}
  .mobile-drawer .mega-item span{font-size:1rem}
  .mobile-drawer .mega-foot{display:none}

  /* CTA pinned to drawer bottom */
  .mobile-drawer .mobile-drawer-cta{
    display:flex !important;
    flex-direction:column;gap:10px;
    padding:20px 20px 32px;
    margin-top:auto;
    border-top:1px solid var(--line);
    background:var(--bg-soft);
    flex-shrink:0;
  }
  .mobile-drawer .mobile-drawer-cta .btn{
    width:100%;justify-content:center;
    padding:.9rem 1.2rem;font-size:1rem;
  }
  .mobile-drawer .mobile-drawer-cta .drawer-phone{
    display:flex;flex-direction:column;align-items:center;
    text-align:center;font-weight:700;
    color:var(--ink);font-size:1rem;
    padding:4px 0;gap:2px;
  }
  .mobile-drawer .mobile-drawer-cta .drawer-phone span{
    display:block;color:var(--muted);font-size:1rem;font-weight:500;
  }
}

/* ============================================================
   FX — Dezente 3D-Akzente (siehe assets/fx-3d.js)
   Progressive Enhancement: per JS aktiviert, Layout bleibt gleich.
   ============================================================ */

/* Ambientes WebGL-Tiefenfeld im Hero */
.fx-hero-canvas{
  position:absolute;inset:0;width:100%;height:100%;
  z-index:0;pointer-events:none;display:block;
  opacity:0;transition:opacity 1.1s ease;
}
.fx-hero-canvas.is-ready,
[data-fx-hero] .fx-hero-canvas{opacity:1}

/* Karten: Glow + 3D-Tilt deaktiviert */
.fx-card{position:relative}
.fx-card .fx-glow{display:none}
.fx-tilt{transform:none;transition:box-shadow .2s ease}
.fx-tilt:hover{box-shadow:var(--shadow-md)}

/* Button-Schimmer (auch ohne .btn-primary-spezifisches CSS pro Seite) */
.btn{position:relative;overflow:hidden;isolation:isolate}
.btn::after{
  content:"";position:absolute;inset:0;z-index:-1;
  background:linear-gradient(110deg,transparent 30%,
              rgba(255,255,255,.45) 50%,transparent 70%);
  transform:translateX(-120%);transition:transform .7s ease;
}
.btn:hover::after{transform:translateX(120%)}

@media (prefers-reduced-motion: reduce){
  .fx-hero-canvas{display:none}
  .fx-tilt{transform:none}
  .btn::after{display:none}
}

/* ============================================================
   TEXT-FX — Typografische Akzente
   Gradient-Eyebrows/Keywords, Highlighter, animierte Unterstreichung
   ============================================================ */

/* (1) Einfache Volltonfarben — kein Gradient-Text-Effekt */
.eyebrow{color:var(--brand)}
.fx-grad{color:var(--brand-700)}
.fx-grad-light{color:#fff}

/* (4) Animierter Eyebrow-Strich (zeichnet sich beim Sichtbarwerden) */
.fx-anim .eyebrow::before{width:0;transition:width .6s cubic-bezier(.2,.7,.3,1) .05s}
.fx-anim .eyebrow.fx-in::before{width:18px}

/* (6) Highlighter deaktiviert */
.fx-mark{background-image:none}

/* (8) Animierte Link-Unterstreichung fuer Textlinks (keine Buttons/Karten) */
.site-footer .row a,
.seo-block p a,
.faq details > div a,
main p a,
.tipp p a{
  background-image:linear-gradient(currentColor,currentColor);
  background-repeat:no-repeat;background-position:0 100%;
  background-size:0% 1.5px;padding-bottom:2px;
  transition:background-size .35s cubic-bezier(.2,.7,.3,1);
}
.site-footer .row a{width:fit-content}
.site-footer .row a:hover,
.seo-block p a:hover,
.faq details > div a:hover,
main p a:hover,
.tipp p a:hover{background-size:100% 1.5px}

/* „Mehr erfahren" / „Weiterlesen" — Unterstreichung beim Karten-Hover */
.prod .more,.news-card .read{
  background-image:linear-gradient(currentColor,currentColor);
  background-repeat:no-repeat;background-position:0 100%;
  background-size:0% 1.5px;transition:background-size .35s cubic-bezier(.2,.7,.3,1);
}
.prod:hover .more,.news-card:hover .read{background-size:100% 1.5px}

@media (prefers-reduced-motion: reduce){
  .fx-anim .eyebrow::before{width:18px;transition:none}
  .fx-mark{background-size:100% .62em;transition:none}
  .site-footer .row a,.seo-block p a,.faq details > div a,main p a,.tipp p a,
  .prod .more,.news-card .read{transition:none}
}
/* ============================================================
   CTA-BAND
   ============================================================ */
.cta-band{background:var(--brand);color:#fff;padding:64px 40px}
.cta-band-inner{max-width:1240px;margin-inline:auto;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta-band-inner h2{color:#fff;margin:0 0 .3em}
.cta-band-inner p{margin:0;color:rgba(255,255,255,.8);max-width:520px}
.cta-band-actions{display:flex;gap:14px;flex-wrap:wrap}
.btn-white{background:#fff;color:var(--ink);border:none}
.btn-white:hover{background:rgba(255,255,255,.9)}
.btn-ghost-white{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost-white:hover{background:rgba(255,255,255,.1)}

/* ============================================================
   TRUST-BAR (oben auf Seiten)
   ============================================================ */
.trust-bar{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:10px 0;font-size:1rem;color:var(--muted)}
.trust-bar-inner{display:flex;justify-content:center;gap:32px;flex-wrap:wrap}
.trust-bar .item{display:flex;align-items:center;gap:6px;font-weight:600}

/* ============================================================
   FOOTER — Social Icons + Fineprint
   ============================================================ */
.footer-socials{
  display:flex;gap:18px;flex-wrap:wrap;align-items:center;
  margin-top:22px;
}
.footer-socials a{
  display:flex !important;align-items:center;justify-content:center;
  width:auto;height:auto;flex-shrink:0;
  border-radius:0;background:none;border:none;
  color:rgba(255,255,255,.5);
  transition:color .18s,transform .18s;
  padding:0 !important;text-decoration:none;
}
.footer-socials a svg{width:22px;height:22px}
.footer-socials a:hover{
  color:#fff;background:none;border:none;
  transform:translateY(-2px);
}

.footer-fineprint{
  margin-top:40px;padding-top:28px;
  border-top:1px solid rgba(255,255,255,.12);
  font-size:1rem;color:rgba(255,255,255,.45);line-height:1.6;
}

/* ============================================================
   HERO — Hintergrundbild, Text-Karte, Bullets
   ============================================================ */
.grain::after{display:none}
.hero{
  position:relative;
  min-height:780px;
  padding-bottom:160px;
  color:#fff;
  overflow:hidden;
  display:flex;align-items:stretch;
  background:
    linear-gradient(110deg, #96B6BA 0%, #8EAEB4 30%, #84A4AA 65%, #78979C 100%);
}
.hero::before{
  content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
  background-image:radial-gradient(circle, rgba(255,255,255,.07) 1.2px, transparent 1.4px);
  background-size:24px 24px;
  mask-image:linear-gradient(135deg, transparent 40%, black 60%, black 90%, transparent 100%);
  -webkit-mask-image:linear-gradient(135deg, transparent 40%, black 60%, black 90%, transparent 100%);
}
.hero.grain::after{
  content:"";display:block;position:absolute;left:0;bottom:0;
  width:100%;height:clamp(60px,8vw,150px);
  background:#fff;
  clip-path:polygon(0 100%, 100% 0, 100% 100%);
  z-index:4;
}
.hero-grid{position:relative;z-index:3;width:100%;display:flex;align-items:center;}

/* ── Logo-Wasserzeichen (zentriert, hinter Gesichtern) ─── */
.hero-logo-wm{
  position:absolute;
  top:50%;left:50%;
  transform:translate(-50%,-50%);
  width:55%;
  height:auto;
  opacity:.85;
  z-index:1;
  pointer-events:none;
  display:block;
}

/* ── Personen-Ebene (freigestellt, absolut rechts/unten) ── */
.hero-persons{
  position:absolute;
  right:0;
  bottom:0;
  height:90%;
  width:auto;
  z-index:2;
  pointer-events:none;
  display:block;
}

/* Mobile: Foto als separates Element unterhalb des Texts */
.hero-team-photo{display:none}
@media (max-width:980px){
  .hero{
    min-height:auto;
    flex-direction:column;
    padding-bottom:0;
    background-image:none;
    background-color:#fff;
    color:var(--ink);
  }
  .hero::before{display:none}
  .hero.grain::after{display:none}
  .hero-grid{flex-direction:column}
  .hero-logo-wm{display:none}
  .hero-persons{display:none}
  .hero h1{color:var(--ink);text-shadow:none}
  .hero h1 .accent{color:var(--brand-700)}
  .hero-text p,.hero-text .sub,.hero-text .hero-bullets{text-shadow:none}
  .hero .sub{color:var(--body)}
  .hero .sub strong{color:var(--ink)}
  .hero-bullets li{color:var(--ink)}
  .hero-bullets svg{color:var(--brand)}
  .ffh-badge-sub{color:rgba(0,0,0,.5)}
  .ffh-badge-cta{color:var(--ink)}
  .hero-team-photo{
    display:block;
    width:100%;
    flex-shrink:0;
    line-height:0;
  }
  .hero-team-photo picture,.hero-team-photo img{
    display:block;width:100%;height:auto;
    max-height:360px;object-fit:cover;object-position:center top;
  }
}
@media (max-width:600px){
  .hero-logo-wm{display:none;}
}
.hero-text{max-width:620px;padding:64px 0;}
@media (max-width:980px){.hero-text{padding:40px 0 28px;max-width:none;}}
.hero h1{color:#fff;font-size:clamp(2rem,3.6vw,3.1rem);margin-bottom:.4em;letter-spacing:-.025em;text-shadow:0 2px 16px rgba(0,0,0,.55)}
.hero-text p,.hero-text .sub,.hero-text .hero-bullets{text-shadow:0 1px 8px rgba(0,0,0,.5)}
.hero h1 .accent{color:rgba(255,255,255,.85);display:block;font-weight:500;font-size:.6em;letter-spacing:.01em;margin-bottom:8px}
.hero .sub{font-size:1.1rem;color:#cfe3e6;max-width:540px;line-height:1.55}
.hero .sub strong{color:#fff}
.hero-bullets{list-style:none;padding:0;margin:24px 0 28px;display:flex;flex-direction:column;gap:10px}
.hero-bullets li{display:flex;gap:10px;align-items:center;color:#fff;font-weight:500;font-size:1rem}
.hero-bullets svg{color:#FFC02E;flex-shrink:0}
.hero-radio{
  display:inline-flex;align-items:center;gap:10px;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);
  padding:8px 14px;border-radius:999px;margin-top:14px;
  font-size:1rem;color:#cfe3e6;backdrop-filter:blur(8px);
}
.ffh-badge-btn{
  display:inline-flex;align-items:center;gap:12px;
  background:transparent;border:none;padding:0;
  cursor:pointer;font-family:inherit;text-align:left;
}
.ffh-badge-circle{
  width:54px;height:54px;border-radius:50%;
  background:#FFE900;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
  box-shadow:0 0 0 3px rgba(255,233,0,.35);
  transition:box-shadow .2s,transform .15s;
}
.ffh-badge-btn:hover .ffh-badge-circle{box-shadow:0 0 0 6px rgba(255,233,0,.3);transform:scale(1.06)}
.ffh-badge-circle img{width:40px;height:auto;object-fit:contain;display:block}
.ffh-badge-info{display:flex;flex-direction:column;gap:3px}
.ffh-badge-sub{font-size:1rem;color:rgba(255,255,255,.65);letter-spacing:.02em;line-height:1}
.ffh-badge-cta{display:inline-flex;align-items:center;gap:5px;color:#fff;font-weight:700;font-size:1rem;line-height:1}
.ffh-badge-btn.is-playing .ffh-badge-circle{box-shadow:0 0 0 6px rgba(255,233,0,.4),0 0 20px rgba(255,233,0,.25)}
.hero-actions{display:flex;flex-wrap:wrap;gap:16px;margin:24px 0 16px;align-items:center}
/* Mobile Textfarben — muss NACH den weißen Basis-Regeln stehen */
@media(max-width:980px){
  .hero h1{color:#0A1E2C;text-shadow:none}
  .hero h1 .accent{color:#008EAD}
  .hero-text p,.hero-text .sub,.hero-text .hero-bullets{text-shadow:none}
  .hero .sub{color:#2E4250}
  .hero .sub strong{color:#0A1E2C}
  .hero-bullets li{color:#0A1E2C}
  .hero-bullets svg{color:#008EAD}
  .ffh-badge-sub{color:rgba(0,0,0,.5)}
  .ffh-badge-cta{color:#0A1E2C}
}
.hero-actions .btn-secondary-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35);}
.hero-actions .btn-secondary-ghost:hover{background:rgba(255,255,255,.08);border-color:#fff;}

/* ── Trust Pills (oben im Hero) ────────────────────────────── */
.hero-trust-cluster{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:22px;}
.trust-pill{
  display:inline-flex;align-items:center;gap:10px;
  background:rgba(255,255,255,.96);backdrop-filter:blur(10px);
  padding:10px 14px;border-radius:14px;
  box-shadow:0 14px 40px -10px rgba(0,0,0,.35), 0 2px 6px rgba(0,0,0,.08);
  font-size:1rem;color:var(--ink);font-weight:600;
  border:1px solid rgba(255,255,255,.6);
  animation:floatUp .6s cubic-bezier(.2,.7,.3,1) both;
}
.trust-pill:nth-child(2){animation-delay:.12s}
.trust-pill:nth-child(3){animation-delay:.24s}
.trust-pill .ic{width:26px;height:26px;border-radius:50%;background:var(--brand-50);color:var(--brand-700);display:grid;place-items:center;flex-shrink:0;}
.trust-pill .ic.gold{background:#FFF3D2;color:#B07A0E}
.trust-pill .stars{color:#FFC02E;letter-spacing:.04em;font-size:1rem;display:block;line-height:1}
.trust-pill .lbl{display:flex;flex-direction:column;line-height:1.2}
.trust-pill .num{font-weight:800;color:var(--ink);font-size:1rem;letter-spacing:-.01em}
.trust-pill .meta{color:var(--muted);font-size:1rem;font-weight:500}
@keyframes floatUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}

/* ── Scroll-Reveal ────────────────────────────────────────── */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.2,.7,.3,1),transform .7s cubic-bezier(.2,.7,.3,1)}
.reveal.in{opacity:1;transform:none}
.reveal-stagger>*{opacity:0;transform:translateY(20px);transition:opacity .55s ease,transform .55s cubic-bezier(.2,.7,.3,1)}
.reveal-stagger.in>*{opacity:1;transform:none}
.reveal-stagger.in>*:nth-child(1){transition-delay:0s}
.reveal-stagger.in>*:nth-child(2){transition-delay:.08s}
.reveal-stagger.in>*:nth-child(3){transition-delay:.16s}
.reveal-stagger.in>*:nth-child(4){transition-delay:.24s}
.reveal-stagger.in>*:nth-child(5){transition-delay:.32s}
@media (prefers-reduced-motion:reduce){.reveal,.reveal-stagger>*{opacity:1;transform:none;transition:none}}

/* ── Calc-Float (schwebende Rechner-Karte) ───────────────── */
.calc-float-wrap{position:relative;z-index:5;margin-top:-60px;margin-bottom:32px}
@media (max-width:980px){.calc-float-wrap{margin-top:0;padding-top:24px;margin-bottom:0}}
.calc-float{
  max-width:960px;margin:0 auto;
  background:#fff;color:var(--ink);border-radius:var(--radius-xl);
  padding:28px 32px;
  box-shadow:0 30px 60px -20px rgba(11,31,42,.35), 0 10px 25px -10px rgba(11,31,42,.15);
  display:grid;grid-template-columns:1.6fr 1fr;gap:32px;align-items:center;
}
@media (max-width:760px){.calc-float{grid-template-columns:1fr;gap:20px;padding:24px}}
.calc-float .left h3{margin:0 0 4px;font-size:1.05rem}
.calc-float .left .sub-l{color:var(--muted);font-size:1rem;margin-bottom:14px}
.calc-float .amount-row{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:10px}
.calc-float .amount-row label{font-weight:600;color:var(--ink);font-size:1rem}
.calc-float .amount-row .v{font-family:var(--font-sans);font-size:1.6rem;font-weight:800;color:var(--brand);letter-spacing:-.02em;line-height:1}
.calc-float .amount-row .v .cur{color:var(--muted);font-size:1rem;font-weight:600;margin-left:2px}
.calc-float input[type=range]{-webkit-appearance:none;width:100%;height:6px;background:#E1E8EA;border-radius:999px;outline:none;}
.calc-float input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--brand);cursor:pointer;box-shadow:0 4px 10px rgba(14,143,159,.35);}
.calc-float .ticks{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin-top:8px}
.calc-float .right .btn{width:100%;justify-content:center}
.calc-float .right .reassure{display:flex;align-items:center;gap:8px;margin-top:10px;font-size:1rem;color:var(--muted);justify-content:center}
.calc-float .right .reassure svg{color:var(--brand);flex-shrink:0}

/* ── 3 Schritte ─────────────────────────────────────────── */
.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative;}
@media (max-width:880px){.steps3{grid-template-columns:1fr;gap:16px}}
.s3{background:#fff;border:1px solid var(--line);border-radius:var(--radius-xl);padding:32px;text-align:center;position:relative;transition:.2s;}
.s3:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.s3 .icon{width:110px;height:110px;border-radius:50%;background:var(--brand-50);color:var(--brand-700);display:grid;place-items:center;margin:0 auto 18px;}
.s3 .icon svg{width:58px;height:58px}
.s3 h3{font-size:1.3rem;margin-bottom:8px}
.s3 p{color:var(--body);margin:0 0 16px}
.s3 .time{display:inline-flex;align-items:baseline;gap:6px;background:var(--bg-soft);padding:8px 16px;border-radius:999px;}
.s3 .time .n{font-weight:800;font-size:1.25rem;color:var(--ink);letter-spacing:-.01em}
.s3 .time .u{font-size:1rem;color:var(--muted);font-weight:600}
.s3 .step-no{position:absolute;top:18px;left:24px;color:var(--brand);font-weight:700;font-size:1.4rem;line-height:1;opacity:.5;}
.s3 .icon{transition:transform .3s cubic-bezier(.2,.7,.3,1),background .3s,color .3s}
.s3:hover .icon{transform:scale(1.08) rotate(-3deg);background:var(--brand);color:#fff}
@media (max-width:880px){
  .s3{padding:36px 28px}
  .s3 .icon{width:96px;height:96px}
  .s3 .icon svg{width:42px;height:42px}
  .s3 h3{font-size:1.4rem}
  .s3 .time{padding:10px 20px}
  .s3 .time .n{font-size:1.4rem}
  .s3 .time .u{font-size:1rem}
  .s3 .step-no{font-size:1.6rem}
}
@media (max-width:520px){
  .s3{padding:28px 20px}
  .s3 .icon{width:80px;height:80px}
  .s3 .icon svg{width:36px;height:36px}
  .s3 h3{font-size:1.25rem}
}

/* ── Produkt-Karten (4 Finanzierungsarten) ──────────────── */
.prods{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media (max-width:980px){.prods{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.prods{grid-template-columns:1fr}}
.prod{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;transition:.2s;}
.prod:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--brand-50)}
.prod .image{aspect-ratio:4/3;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--brand-50),#A6CCD2);}
.prod .image img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.prod .image .badge{position:absolute;left:14px;top:14px;z-index:2;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-radius:10px;padding:8px;color:var(--brand-700);box-shadow:0 4px 12px rgba(0,0,0,.08);}
.prod .body{padding:22px;display:flex;flex-direction:column;gap:6px;flex:1}
.prod h3{margin:0;font-size:1.2rem;color:var(--ink)}
.prod .kicker{font-size:1rem;color:var(--brand-700);font-weight:700;letter-spacing:.04em;text-transform:uppercase;margin-bottom:4px}
.prod p{margin:0;color:var(--body)}
.prod .more{margin-top:auto;padding-top:14px;color:var(--brand-700);font-weight:700;font-size:1rem;display:inline-flex;align-items:center;gap:6px;}
@media(max-width:760px){
  .prod .body{text-align:center}
  .prod .more{justify-content:center;width:100%}
}

/* ── Testimonials ───────────────────────────────────────── */
.testblock{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:1100px){.testblock{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.testblock{grid-template-columns:1fr}}
@media (max-width:760px){.test{text-align:center}.test-p{justify-content:center}}
.test{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;display:flex;flex-direction:column;gap:14px;position:relative;overflow:hidden;}
.test::before{content:"\201C";position:absolute;right:18px;top:-20px;font-family:var(--font-serif);font-style:italic;color:var(--brand);font-size:9rem;line-height:1;opacity:.12;pointer-events:none;font-weight:700;}
.test .stars{color:#FFC02E;letter-spacing:.05em;font-size:1.1rem}
.test blockquote{margin:0;font-family:var(--font-serif);font-size:1.1rem;line-height:1.5;color:var(--ink);font-weight:500;font-style:italic}
.test-p{display:flex;align-items:center;gap:12px;margin-top:auto}
.test-av{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--brand) 0%,var(--brand-700) 100%);color:#fff;display:grid;place-items:center;font-weight:700;font-size:1rem;}
.test-meta strong{color:var(--ink);display:block}
.test-meta span{color:var(--muted);font-size:1rem}

/* ── Kredit-Spezialisten ────────────────────────────────── */
.specs{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:880px;margin:0 auto}
@media (max-width:680px){.specs{grid-template-columns:1fr}}
.spec{background:#fff;border:1px solid var(--line);border-radius:var(--radius-xl);padding:32px;display:flex;flex-direction:column;align-items:center;text-align:center;}
.spec .ph{width:190px;height:190px;border-radius:50%;margin-bottom:18px;overflow:hidden;background:linear-gradient(135deg,var(--brand) 0%,var(--brand-700) 100%);box-shadow:0 8px 24px -8px rgba(14,143,159,.4),inset 0 0 0 4px rgba(255,255,255,.12);position:relative;}
.spec .ph img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}
.spec h3{margin:0 0 6px;font-size:1.3rem}
.spec .role{font-weight:700;color:var(--brand-700);margin-bottom:4px;hyphens:none;overflow-wrap:normal;font-size:.9em}
.spec .lic{color:var(--muted);margin-bottom:18px}
.spec .contact-row{display:flex;gap:10px;flex-wrap:wrap;justify-content:center}
.spec .contact-row a{display:inline-flex;align-items:center;gap:6px;color:var(--brand-700);font-weight:600}

/* ── FAQ ────────────────────────────────────────────────── */
.faq{display:grid;gap:12px;max-width:880px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:20px 24px;font-weight:700;color:var(--ink);font-size:1.02rem;display:flex;justify-content:space-between;align-items:center;gap:16px;}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.6rem;color:var(--brand);font-weight:400;line-height:1;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details>div{padding:0 24px 22px;color:var(--body)}
.faq details>div p{margin:0}

/* ── Infografik ─────────────────────────────────────────── */
.infografik{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius-xl);padding:48px;}
@media (max-width:880px){.infografik{grid-template-columns:1fr;padding:32px}}
.infografik-img{aspect-ratio:4/3;border-radius:var(--radius-lg);overflow:hidden;background:var(--bg-soft)}
.infografik-img img{width:100%;height:100%;object-fit:cover;display:block}
.infografik h2{margin-top:0}
.infografik .icon-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.infografik .pill{display:inline-flex;align-items:center;gap:8px;background:var(--bg-soft);padding:8px 14px;border-radius:999px;font-size:1rem;font-weight:600;color:var(--ink);}
.infografik .pill svg{color:var(--brand)}

/* ── Banken-Strip ───────────────────────────────────────── */
.banks-strip{display:flex;gap:24px;flex-wrap:wrap;justify-content:center;align-items:center;padding:24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);}
.bk{font-family:var(--font-sans);font-weight:700;color:var(--ink);font-size:1rem;letter-spacing:-.01em;padding:10px 18px;border-radius:8px;background:var(--bg-soft);}
.bk .dot{display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--brand);margin-right:6px;vertical-align:middle}
.banks-strip{display:grid;grid-template-columns:repeat(7,1fr);gap:16px;padding:28px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);}
.bk-logo{display:flex;align-items:center;justify-content:center;padding:14px 12px;border-radius:8px;background:var(--bg-soft);min-height:72px;}
.bk-logo img{height:36px;width:auto;max-width:100%;object-fit:contain;display:block;}
@media(max-width:880px){.banks-strip{grid-template-columns:repeat(4,1fr)}}
@media(max-width:520px){.banks-strip{grid-template-columns:repeat(2,1fr)}}

/* ── News / Blog-Karten ─────────────────────────────────── */
.news-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:40px;flex-wrap:wrap}
.news-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.news-grid.blog-grid{grid-template-columns:repeat(3,1fr)}
@media (max-width:1000px){.news-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:1000px){.news-grid.blog-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:680px){.news-grid{grid-template-columns:1fr}}
.news-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:.2s;}
.news-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--line-strong)}
.news-card .image{aspect-ratio:16/10;position:relative;overflow:hidden;background:var(--bg-soft)}
.news-card .image img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .4s ease}
.news-card:hover .image img{transform:scale(1.04)}
.news-card .body{padding:20px 22px 22px;display:flex;flex-direction:column;flex:1;gap:8px}
.news-card .meta{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.news-card .cat{background:var(--brand-50);color:var(--brand-700);padding:3px 8px;border-radius:5px;font-size:.72rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase}
.news-card .nc-date{font-size:.8rem;color:var(--muted)}
.news-card .nc-rt{font-size:.8rem;color:var(--muted)}
.news-card .nc-date::before{content:'·';margin-right:6px;color:var(--line-strong)}
.news-card h3{font-size:1rem;line-height:1.45;color:var(--ink);margin:0;font-weight:700}
.news-card p{margin:0;font-size:.9rem;color:var(--body)}
.news-card .read{margin-top:auto;padding-top:4px;font-weight:700;color:var(--brand-700);font-size:.9rem;display:inline-flex;align-items:center;gap:6px}
.img-art-1{background:linear-gradient(135deg,#0E8F9F 0%,#074550 100%)}
.img-art-2{background:linear-gradient(135deg,#F5A623,#C7861A)}
.img-art-3{background:linear-gradient(135deg,#2E4756,#0B1F2A)}
.img-art-4{background:linear-gradient(135deg,#E8F6F8,#A6CCD2)}
.img-art-5{background:linear-gradient(135deg,#FEF4E0,#E6BD75)}
.img-shapes{position:absolute;inset:0;background:radial-gradient(circle at 20% 30%,rgba(255,255,255,.16) 0 14%,transparent 15%),radial-gradient(circle at 80% 70%,rgba(255,255,255,.10) 0 22%,transparent 23%)}
.img-mark{position:absolute;left:18px;top:18px;font-family:ui-monospace,Menlo,monospace;font-size:.72rem;color:#fff;opacity:.7;letter-spacing:.08em}
.img-art{position:absolute;inset:0}

/* ── SEO-Text-Block ─────────────────────────────────────── */
.seo-block{display:grid;grid-template-columns:1fr 1fr;gap:48px;background:#fff;padding:48px;border-radius:var(--radius-xl);border:1px solid var(--line);}
@media (max-width:880px){.seo-block{grid-template-columns:1fr;padding:32px}}
.seo-block h2{margin-top:0}
.seo-block .h3sub{color:var(--brand-700);font-weight:700;font-size:1.05rem;margin-bottom:12px;letter-spacing:-.005em}
.seo-block p{line-height:1.65;color:var(--body)}
.seo-block p strong{color:var(--ink)}

/* ── Tipps / Warnzeichen ────────────────────────────────── */
.tipps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:880px){.tipps{grid-template-columns:1fr}}
.tipp{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:28px;position:relative;}
.tipp .nr{font-family:var(--font-sans);font-style:normal;font-weight:700;color:var(--brand);font-size:3rem;line-height:.9;letter-spacing:-.02em;margin-bottom:14px;display:block;}
.tipp h3{font-size:1.1rem;margin-bottom:10px;color:var(--ink)}
.tipp p{margin:0;color:var(--body);line-height:1.6}
.tipp p strong{color:var(--ink)}

/* ── Disclaimer (Startseite, Kreditanfrage) ─────────────── */
.disclaimer{background:#FFF9F0;border:1px solid #F5E0B4;border-radius:var(--radius);padding:20px 24px;color:#73561E;font-size:1rem;margin-top:32px;}
.disclaimer strong{color:#5D4419}

/* ============================================================
   MOBILE — Allgemeine Vergrößerungen (Touch-optimiert)
   ============================================================ */
@media (max-width:620px){
  /* Einheitlicher Container-Rand auf Mobile */
  .container{padding-inline:16px}

  /* Section-Heads immer zentriert */
  .section-head{text-align:center;margin-inline:auto}

  /* Überschriften */
  .section-head h2{font-size:clamp(1.55rem,5.5vw,2.2rem)}
  h2{font-size:clamp(1.4rem,5vw,2rem)}

  /* Trust-Pills im Hero */
  .trust-pill{padding:12px 16px;font-size:1rem}
  .trust-pill .ic{width:30px;height:30px}
  .trust-pill .num{font-size:1rem}
  .trust-pill .meta{font-size:.75rem}

  /* Hero-Headline */
  .hero h1{font-size:clamp(1.75rem,6vw,2.4rem)}
  .hero .sub{font-size:1.05rem}
  .hero-bullets li{font-size:1rem}
  .hero-bullets svg{width:22px;height:22px}

  /* Buttons */
  .btn-lg{padding:18px 28px;font-size:1.05rem}
  .btn{min-height:48px}

  /* Sektion-Abstände */
  .section{padding:48px 0}
  .section-head{margin-bottom:32px}

  /* Produktkarten */
  .prod .body{padding:18px}
  .prod h3{font-size:1.15rem}

  /* Kontakt-Bar */
  .trust-bar-inner{gap:16px}
  .trust-bar{font-size:1rem}
}