/* ==========================================================================
   endlich mehr netto – Designsystem
   Layout: navyblaue Markenflächen (Hero, Förderung, Abschluss, Footer) im
   Wechsel mit ruhigen hellen Inhaltsflächen; Inhalt max. 1200px, Gold nur
   für Handlungen und Schlüsselwörter.
   ========================================================================== */

:root {
  /* Farben aus dem Logo */
  --navy: #00357A;
  --navy-deep: #002862;
  --navy-ink: #001B44;
  --band: #1A4672;
  --gold: #E1A730;
  --gold-light: #FFDE59;
  --gold-soft: #FFF3D1;
  --gold-text: #8A5E0B;

  /* Neutrale Töne mit leichtem Blaustich */
  --ink: #0E1E38;
  --muted: #55647D;
  --line: #DFE5EE;
  --line-strong: #C9D2DF;
  --mist: #F3F6FA;
  --paper: #FFFFFF;
  --on-navy: #FFFFFF;
  --on-navy-muted: #BCC8DD;
  --on-navy-line: rgba(255, 255, 255, .12);
  --success: #1F7A4D;
  --error: #B42318;

  /* Typografie */
  --font-brand: "Anton", Impact, "Haettenschweiler", "Arial Narrow Bold", "Roboto Condensed", sans-serif;
  --font-sans: "Instrument Sans", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --fs-display: clamp(2.6rem, 1.4rem + 5.2vw, 5.1rem);
  --fs-h1: clamp(2.1rem, 1.3rem + 3.4vw, 3.6rem);
  --fs-h2: clamp(1.7rem, 1.2rem + 2.1vw, 2.65rem);
  --fs-h3: clamp(1.15rem, 1.05rem + .4vw, 1.35rem);
  --fs-lead: clamp(1.05rem, 1rem + .3vw, 1.22rem);
  --fs-body: 1.0625rem;
  --fs-small: .9rem;
  --fs-tiny: .78rem;

  /* Raster */
  --container: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
  --section: clamp(64px, 8vw, 116px);
  --radius-sm: 10px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(0, 27, 68, .06), 0 2px 8px rgba(0, 27, 68, .05);
  --shadow: 0 1px 2px rgba(0, 27, 68, .06), 0 12px 32px rgba(0, 27, 68, .10);
  --shadow-lg: 0 2px 6px rgba(0, 27, 68, .10), 0 30px 70px rgba(0, 12, 40, .35);
  --ease: cubic-bezier(.2, .7, .2, 1);

  --gold-gradient: linear-gradient(135deg, #FFE68A 0%, #F6CF55 42%, #E1A730 100%);
  color-scheme: light;
}

/* ---------- Basis ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 130px; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: var(--fs-body);
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { max-width: 100%; }
img { height: auto; display: block; }
[hidden] { display: none !important; }
a { color: inherit; }
p { margin: 0; }
h1, h2, h3, h4 { margin: 0; text-wrap: balance; color: inherit; }
ul, ol { margin: 0; padding: 0; }
button { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 6px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 16px; top: -60px; z-index: 200; background: var(--gold); color: var(--navy-ink); padding: 10px 16px; border-radius: 8px; font-weight: 700; text-decoration: none; }
.skip-link:focus { top: 12px; }

.container { width: 100%; max-width: calc(var(--container) + 2 * var(--gutter)); margin-inline: auto; padding-inline: var(--gutter); }
.icon { width: 1.25em; height: 1.25em; flex: none; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.gold { color: var(--gold); }
.text-gold { background: linear-gradient(120deg, #FFE68A, #E1A730 70%); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ---------- Typo-Bausteine ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: .6em;
  font-size: var(--fs-tiny); font-weight: 650; letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold-text);
}
.eyebrow::before { content: ""; width: 22px; height: 2px; background: currentColor; border-radius: 2px; }
.on-navy .eyebrow, .eyebrow--light { color: var(--gold); }
.h2 { font-size: var(--fs-h2); line-height: 1.12; letter-spacing: -.022em; font-weight: 700; }
.h3 { font-size: var(--fs-h3); line-height: 1.3; letter-spacing: -.01em; font-weight: 650; }
.lead { font-size: var(--fs-lead); line-height: 1.6; color: var(--muted); max-width: 40em; }
.on-navy .lead { color: var(--on-navy-muted); }
.section-head { display: grid; gap: 16px; max-width: 760px; margin-bottom: clamp(32px, 4vw, 56px); }
.section-head--center { margin-inline: auto; text-align: center; justify-items: center; }
.small { font-size: var(--fs-small); }
.muted { color: var(--muted); }
.prose { max-width: 68ch; }
.prose > * + * { margin-top: 1em; }
.prose h2 { font-size: clamp(1.4rem, 1.1rem + 1.2vw, 1.9rem); line-height: 1.2; letter-spacing: -.015em; margin-top: 1.8em; }
.prose h3 { font-size: 1.15rem; margin-top: 1.5em; }
.prose ul { padding-left: 1.2em; }
.prose li + li { margin-top: .35em; }
.prose a { color: var(--navy); text-underline-offset: 3px; }

/* ---------- Buttons ---------- */
.btn {
  --btn-pad-y: 14px; --btn-pad-x: 22px;
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  min-height: 52px; padding: var(--btn-pad-y) var(--btn-pad-x);
  border-radius: 12px; border: 1.5px solid transparent;
  font-family: var(--font-sans); font-size: 1rem; font-weight: 650; line-height: 1.2; letter-spacing: -.005em;
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), background-color .2s, border-color .2s, color .2s;
}
.btn .icon { width: 1.15em; height: 1.15em; stroke-width: 2; transition: transform .2s var(--ease); }
.btn:hover .icon--arrow { transform: translateX(3px); }

/* Primärer Marken-CTA „endlich mehr netto“ */
.btn-brand {
  position: relative; overflow: hidden; isolation: isolate;
  background: var(--gold-gradient); color: var(--navy-ink);
  font-family: var(--font-brand); font-weight: 400; font-size: 1.3rem; letter-spacing: .012em; text-transform: lowercase;
  padding: 12px 12px 12px 24px; gap: 16px;
  box-shadow: 0 1px 0 rgba(255, 255, 255, .5) inset, 0 10px 26px rgba(225, 167, 48, .28);
}
.btn-brand .btn-brand__arrow {
  display: grid; place-items: center; width: 34px; height: 34px; border-radius: 9px;
  background: var(--navy-ink); color: var(--gold-light);
}
.btn-brand .btn-brand__arrow .icon { width: 18px; height: 18px; stroke-width: 2.2; }
.btn-brand::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(105deg, transparent 30%, rgba(255, 255, 255, .55) 48%, transparent 66%);
  transform: translateX(-120%); transition: transform .8s var(--ease);
}
.btn-brand:hover { transform: translateY(-2px); box-shadow: 0 1px 0 rgba(255, 255, 255, .5) inset, 0 16px 34px rgba(225, 167, 48, .38); }
.btn-brand:hover::after { transform: translateX(120%); }
.btn-brand:hover .btn-brand__arrow .icon { transform: translateX(2px); }
.btn-brand--xl { font-size: clamp(1.45rem, 1.2rem + 1vw, 1.75rem); padding: 14px 14px 14px 28px; min-height: 64px; border-radius: 14px; }
.btn-brand--xl .btn-brand__arrow { width: 42px; height: 42px; border-radius: 10px; }
.btn-brand--sm { font-size: 1.08rem; min-height: 44px; padding: 7px 7px 7px 16px; gap: 12px; border-radius: 10px; box-shadow: 0 1px 0 rgba(255,255,255,.5) inset, 0 6px 16px rgba(225,167,48,.22); }
.btn-brand--sm .btn-brand__arrow { width: 30px; height: 30px; border-radius: 7px; }

.btn-gold { background: var(--gold-gradient); color: var(--navy-ink); box-shadow: 0 8px 22px rgba(225, 167, 48, .25); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(225, 167, 48, .35); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-deep); transform: translateY(-1px); box-shadow: 0 10px 24px rgba(0, 53, 122, .25); }
.btn-outline { border-color: var(--line-strong); color: var(--navy); background: var(--paper); }
.btn-outline:hover { border-color: var(--navy); }
.on-navy .btn-outline { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .35); }
.on-navy .btn-outline:hover { border-color: #fff; }
.btn-ghost { background: transparent; color: var(--muted); padding-inline: 12px; }
.btn-ghost:hover { color: var(--navy); }
.btn-block { width: 100%; }

.link-arrow { display: inline-flex; align-items: center; gap: .4em; font-weight: 650; color: var(--navy); text-decoration: none; }
.link-arrow .icon { width: 1.05em; height: 1.05em; stroke-width: 2; transition: transform .2s var(--ease); }
.link-arrow:hover .icon { transform: translateX(3px); }
.on-navy .link-arrow { color: #fff; }

.cta-stack { display: grid; gap: 10px; justify-items: start; }
.cta-stack--center { justify-items: center; }
.cta-note { font-size: var(--fs-small); color: var(--muted); display: inline-flex; align-items: center; gap: .45em; }
.on-navy .cta-note { color: var(--on-navy-muted); }
.cta-note .icon { width: 1em; height: 1em; color: var(--gold); stroke-width: 2; }

.checks { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 22px; }
.checks li { display: inline-flex; align-items: center; gap: .5em; font-size: var(--fs-small); font-weight: 550; }
.checks .icon { width: 18px; height: 18px; color: var(--gold); stroke-width: 2.4; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 60;
  background: var(--navy); color: var(--on-navy);
  transition: box-shadow .25s, background-color .25s;
}
.site-header.is-scrolled { background: var(--navy-deep); box-shadow: 0 10px 30px rgba(0, 12, 40, .25); }
.header-bar { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 72px; transition: height .25s var(--ease); }
.brand { display: inline-flex; align-items: center; flex: none; text-decoration: none; }
.brand img { height: 50px; width: auto; transition: height .25s var(--ease); }
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-trust { font-size: var(--fs-tiny); color: var(--on-navy-muted); display: none; align-items: center; gap: 8px; letter-spacing: .02em; }
.header-trust .icon { color: var(--gold); width: 16px; height: 16px; stroke-width: 2.2; }
.nav-toggle {
  display: inline-grid; place-items: center; width: 46px; height: 46px; border-radius: 11px;
  border: 1px solid var(--on-navy-line); background: transparent; color: #fff; cursor: pointer;
}
.nav-toggle .icon { width: 22px; height: 22px; }
.main-nav { display: none; border-top: 1px solid var(--on-navy-line); }
.main-nav ul { list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 6px; height: 48px; }
.main-nav a {
  position: relative; display: inline-flex; align-items: center; height: 100%;
  padding-inline: 4px; font-size: .9rem; font-weight: 550; color: rgba(255, 255, 255, .82); text-decoration: none; white-space: nowrap;
  transition: color .2s;
}
.main-nav a::after { content: ""; position: absolute; left: 4px; right: 4px; bottom: 0; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .25s var(--ease); }
.main-nav a:hover, .main-nav a[aria-current="page"] { color: #fff; }
.main-nav a:hover::after, .main-nav a[aria-current="page"]::after { transform: scaleX(1); }

/* Mobiles Menü */
.mobile-nav {
  position: fixed; inset: 0; z-index: 90; background: var(--navy-ink); color: #fff;
  display: flex; flex-direction: column; padding: calc(env(safe-area-inset-top, 0px) + 12px) var(--gutter) calc(env(safe-area-inset-bottom, 0px) + 24px);
  overflow-y: auto;
}
.mobile-nav__top { display: flex; align-items: center; justify-content: space-between; height: 56px; }
.mobile-nav__top img { height: 44px; width: auto; }
.mobile-nav ul { list-style: none; display: grid; margin-top: 20px; }
.mobile-nav li a {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 16px 2px; border-bottom: 1px solid var(--on-navy-line);
  font-size: 1.2rem; font-weight: 600; color: #fff; text-decoration: none;
}
.mobile-nav li a .icon { color: var(--gold); }
.mobile-nav li a[aria-current="page"] { color: var(--gold-light); }
.mobile-nav__cta { margin-top: auto; padding-top: 28px; display: grid; gap: 10px; }
.mobile-nav__cta .btn-brand { width: 100%; justify-content: space-between; }

@media (min-width: 640px) { .header-trust { display: inline-flex; } }
@media (min-width: 1100px) {
  .nav-toggle { display: none; }
  .main-nav { display: block; }
}
@media (max-width: 639px) {
  .header-bar { height: 64px; }
  .brand img { height: 42px; }
  .header-actions { gap: 10px; }
}
@media (max-width: 379px) {
  .header-actions .btn-brand--sm { font-size: .98rem; padding-left: 12px; gap: 8px; }
}

/* ---------- Hero ---------- */
.on-navy { background: var(--navy); color: var(--on-navy); }
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  background:
    radial-gradient(80% 70% at 85% 0%, rgba(40, 110, 200, .35) 0%, transparent 60%),
    linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
}
.brand-band {
  position: absolute; z-index: -1; pointer-events: none;
  top: -10%; bottom: -10%; right: -8%; width: 58%;
  background: linear-gradient(90deg, transparent 0 22%, rgba(255, 222, 89, .075) 22% 70%, transparent 70%);
  transform: skewX(-31deg); transform-origin: bottom;
}
.hero__inner { display: grid; gap: clamp(40px, 6vw, 72px); align-items: center; padding-block: clamp(44px, 7vw, 100px) clamp(56px, 8vw, 112px); }
.hero__copy { display: grid; gap: 24px; justify-items: start; min-width: 0; }
.hero__badge {
  display: inline-flex; align-items: center; gap: 10px; padding: 7px 14px 7px 8px; border-radius: 999px;
  background: rgba(255, 255, 255, .07); border: 1px solid var(--on-navy-line);
  font-size: var(--fs-small); font-weight: 550; color: #fff;
}
.hero__badge-dot { width: 24px; height: 24px; border-radius: 50%; display: grid; place-items: center; background: var(--gold-gradient); color: var(--navy-ink); }
.hero__badge-dot .icon { width: 14px; height: 14px; stroke-width: 2.6; }
.hero h1, .display {
  font-family: var(--font-brand); font-weight: 400; font-size: var(--fs-display); line-height: 1.02; letter-spacing: .004em;
}
.hero__lead { font-size: var(--fs-lead); color: var(--on-navy-muted); max-width: 36em; }
.hero__lead strong { color: #fff; font-weight: 600; }
.hero .checks { color: #fff; }
.hero__visual { position: relative; min-width: 0; }
@media (min-width: 980px) {
  .hero__inner { grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr); }
}

/* Potenzial-Karte (Hero-Visual) */
.pcard {
  position: relative; background: var(--paper); color: var(--ink);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: clamp(18px, 2.4vw, 26px);
  max-width: 460px; margin-inline: auto;
}
.pcard::before {
  content: ""; position: absolute; inset: 14px -14px -14px 14px; z-index: -1; border-radius: var(--radius-lg);
  background: linear-gradient(140deg, rgba(255, 222, 89, .30), rgba(225, 167, 48, .08));
  border: 1px solid rgba(255, 222, 89, .25);
}
.pcard__head { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.pcard__title { display: flex; align-items: center; gap: 10px; font-weight: 700; letter-spacing: -.01em; }
.pcard__title img { width: 30px; height: auto; }
.pcard__time { font-size: var(--fs-tiny); font-weight: 650; color: var(--navy); background: var(--mist); border-radius: 999px; padding: 5px 10px; display: inline-flex; gap: 6px; align-items: center; }
.pcard__time .icon { width: 14px; height: 14px; }
.pcard__list { list-style: none; display: grid; }
.pcard__row { display: grid; grid-template-columns: 40px 1fr auto; align-items: center; gap: 12px; padding: 12px 0; border-bottom: 1px dashed var(--line); }
.pcard__row:last-child { border-bottom: 0; }
.pcard__ico { width: 40px; height: 40px; border-radius: 11px; display: grid; place-items: center; background: var(--mist); color: var(--navy); }
.pcard__ico .icon { width: 21px; height: 21px; }
.pcard__label { font-weight: 650; font-size: .97rem; line-height: 1.25; }
.pcard__sub { display: block; font-size: var(--fs-tiny); color: var(--muted); font-weight: 500; margin-top: 2px; }
.pcard__status {
  position: relative; display: inline-flex; align-items: center; gap: 6px; font-size: var(--fs-tiny); font-weight: 650;
  padding: 5px 10px; border-radius: 999px; background: var(--gold-soft); color: var(--gold-text); white-space: nowrap;
}
.pcard__status .icon { width: 13px; height: 13px; stroke-width: 2.6; }
.pcard__foot { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px 12px; margin-top: 6px; padding-top: 14px; border-top: 1px solid var(--line); }
.pcard__stat { font-family: var(--font-brand); font-size: 1.15rem; color: var(--navy); letter-spacing: .01em; white-space: nowrap; }
.pcard .link-arrow { color: var(--navy); white-space: nowrap; }
.pcard__stat span { color: var(--gold-text); }
@media (prefers-reduced-motion: no-preference) {
  .pcard__row { animation: rowIn .6s var(--ease) both; }
  .pcard__row:nth-child(2) { animation-delay: .08s; }
  .pcard__row:nth-child(3) { animation-delay: .16s; }
  .pcard__row:nth-child(4) { animation-delay: .24s; }
  .pcard__row:nth-child(5) { animation-delay: .32s; }
  @keyframes rowIn { from { opacity: .35; transform: translateY(6px); } to { opacity: 1; transform: none; } }
}

/* Unterseiten-Hero */
.page-hero .hero__inner { padding-block: clamp(36px, 5vw, 72px) clamp(48px, 6vw, 88px); }
.page-hero h1 { font-family: var(--font-sans); font-weight: 700; font-size: var(--fs-h1); line-height: 1.08; letter-spacing: -.025em; }
.page-hero .hero__aside {
  background: rgba(255, 255, 255, .06); border: 1px solid var(--on-navy-line); border-radius: var(--radius-lg);
  padding: clamp(20px, 3vw, 30px); display: grid; gap: 14px;
}
.page-hero .hero__aside h2 { font-size: 1.05rem; font-weight: 650; }
.aside-list { list-style: none; display: grid; gap: 12px; }
.aside-list li { display: grid; grid-template-columns: 22px 1fr; gap: 10px; color: var(--on-navy-muted); font-size: .97rem; line-height: 1.45; }
.aside-list .icon { color: var(--gold); width: 20px; height: 20px; stroke-width: 2.2; margin-top: 1px; }
.aside-list strong { color: #fff; font-weight: 600; }
.breadcrumb { font-size: var(--fs-tiny); color: var(--on-navy-muted); letter-spacing: .02em; }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumb li + li::before { content: "/"; margin-right: 6px; opacity: .5; }
.breadcrumb a { color: inherit; text-decoration: none; }
.breadcrumb a:hover { color: #fff; }

/* ---------- Sektionen ---------- */
.section { padding-block: var(--section); }
.section--mist { background: var(--mist); }
.section--tight { padding-block: clamp(48px, 6vw, 80px); }
.section + .section--plain-follow { padding-top: 0; }

/* Selbsttest */
.selftest { display: grid; gap: clamp(24px, 4vw, 40px) clamp(32px, 5vw, 64px); align-items: start; }
.selftest__intro { display: grid; gap: 18px; min-width: 0; }
.selftest__result {
  padding: 22px; border-radius: var(--radius); background: var(--navy); color: #fff;
  display: grid; gap: 14px; justify-items: start;
}
.selftest__meter { display: flex; gap: 6px; }
.selftest__meter span { width: 30px; height: 6px; border-radius: 3px; background: rgba(255, 255, 255, .18); transition: background-color .3s; }
.selftest__meter span.on { background: var(--gold-light); }
.selftest__msg { font-weight: 600; font-size: 1.05rem; line-height: 1.45; }
.selftest__msg small { display: block; font-weight: 450; color: var(--on-navy-muted); font-size: var(--fs-small); margin-top: 4px; }
.selftest__list { list-style: none; display: grid; gap: 12px; min-width: 0; }
.selftest__item {
  display: grid; gap: 14px; padding: 18px 18px 18px 20px; border-radius: var(--radius); background: var(--paper); border: 1px solid var(--line);
  transition: border-color .2s, box-shadow .2s;
}
.selftest__item.is-open { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(225, 167, 48, .15); }
.selftest__q { font-weight: 600; line-height: 1.4; }
.selftest__q small { display: block; color: var(--muted); font-weight: 500; font-size: var(--fs-tiny); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 4px; }
.seg { display: inline-grid; grid-template-columns: 1fr 1fr; background: var(--mist); border-radius: 10px; padding: 4px; gap: 4px; width: 100%; max-width: 300px; }
.seg label { position: relative; }
.seg input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.seg span { display: grid; place-items: center; min-height: 40px; padding: 6px 10px; border-radius: 7px; font-size: .92rem; font-weight: 600; color: var(--muted); transition: background-color .2s, color .2s, box-shadow .2s; }
.seg input:checked + span { background: var(--paper); color: var(--navy); box-shadow: var(--shadow-sm); }
.seg input[value="offen"]:checked + span { background: var(--navy); color: #fff; }
.seg input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
@media (min-width: 640px) { .selftest__item { grid-template-columns: 1fr auto; align-items: center; } .seg { width: 260px; } }
@media (min-width: 980px) {
  .selftest { grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); grid-template-rows: auto 1fr; grid-template-areas: "intro list" "result list"; }
  .selftest__intro { grid-area: intro; }
  .selftest__list { grid-area: list; }
  .selftest__result { grid-area: result; position: sticky; top: 150px; }
}

/* Leistungs-Karten */
.services { display: grid; gap: 20px; }
@media (min-width: 760px) { .services { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.service {
  display: flex; flex-direction: column; gap: 16px; padding: clamp(22px, 3vw, 34px);
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); min-width: 0;
  transition: border-color .25s, box-shadow .25s, transform .25s var(--ease);
}
.service:hover { border-color: var(--line-strong); box-shadow: var(--shadow); transform: translateY(-2px); }
.service__top { display: flex; align-items: center; gap: 14px; }
.service__ico { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--navy); color: var(--gold-light); flex: none; }
.service__ico .icon { width: 26px; height: 26px; }
.service__label { font-size: var(--fs-tiny); font-weight: 650; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-text); }
.service p { color: var(--muted); }
.tags { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; }
.tags li { font-size: .84rem; font-weight: 550; padding: 6px 11px; border-radius: 999px; background: var(--mist); color: var(--navy); }
.on-navy .tags li { background: rgba(255, 255, 255, .08); color: #fff; }
.service__actions { margin-top: auto; padding-top: 8px; display: flex; flex-wrap: wrap; align-items: center; gap: 12px 20px; }
.service__actions .btn { min-height: 48px; }

.cta-strip {
  margin-top: clamp(28px, 4vw, 44px); display: grid; gap: 18px; align-items: center;
  padding: clamp(22px, 3vw, 32px); border-radius: var(--radius-lg); background: var(--paper); border: 1px solid var(--line);
}
.cta-strip p { font-size: 1.12rem; font-weight: 600; line-height: 1.4; }
.cta-strip p span { display: block; font-weight: 450; color: var(--muted); font-size: var(--fs-small); margin-top: 4px; }
@media (min-width: 760px) { .cta-strip { grid-template-columns: 1fr auto; } }

/* Förderung */
.funding { position: relative; overflow: hidden; isolation: isolate; background: var(--navy-deep); }
.funding .brand-band { right: -12%; width: 52%; opacity: .7; }
.funding__grid { display: grid; gap: clamp(36px, 5vw, 64px); align-items: start; }
@media (min-width: 980px) { .funding__grid { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); } }
.funding h2 em { font-style: normal; color: var(--gold-light); }
.funding__list { list-style: none; display: grid; gap: 2px; margin-block: 28px; border-top: 1px solid var(--on-navy-line); }
.funding__list li { display: grid; grid-template-columns: 26px 1fr; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--on-navy-line); }
.funding__list .icon { color: var(--gold); width: 22px; height: 22px; margin-top: 2px; }
.funding__list strong { display: block; font-weight: 650; }
.funding__list span { color: var(--on-navy-muted); font-size: .95rem; }
.funding__note {
  display: flex; gap: 12px; align-items: flex-start; padding: 16px 18px; border-radius: var(--radius);
  background: rgba(255, 222, 89, .08); border: 1px solid rgba(255, 222, 89, .25); margin-bottom: 26px; font-weight: 550;
}
.funding__note .icon { color: var(--gold-light); width: 22px; height: 22px; margin-top: 1px; }
.facts { display: grid; gap: 16px; }
.fact {
  border-radius: var(--radius-lg); padding: clamp(22px, 3vw, 30px); background: rgba(255, 255, 255, .05); border: 1px solid var(--on-navy-line);
  display: grid; gap: 10px;
}
.fact__num { font-family: var(--font-brand); font-size: clamp(3rem, 2.2rem + 3vw, 4.4rem); line-height: 1; letter-spacing: .01em; }
.fact__title { font-weight: 650; font-size: 1.08rem; }
.fact p { color: var(--on-navy-muted); font-size: .97rem; }
.fact__src { font-size: var(--fs-tiny) !important; opacity: .8; }
.fact--gold { background: var(--gold-gradient); color: var(--navy-ink); border: 0; }
.fact--gold p { color: rgba(0, 27, 68, .8); }

/* Ablauf */
.steps { list-style: none; display: grid; gap: 16px; counter-reset: step; }
@media (min-width: 760px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1100px) { .steps { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; } }
.step { position: relative; display: grid; gap: 10px; align-content: start; padding: 26px 24px; border-radius: var(--radius-lg); background: var(--paper); border: 1px solid var(--line); }
.step__num { font-family: var(--font-brand); font-size: 2.6rem; line-height: 1; color: var(--gold); }
.step h3 { font-size: 1.12rem; font-weight: 650; }
.step p { color: var(--muted); font-size: .97rem; }
.step__time { font-size: var(--fs-tiny); font-weight: 650; color: var(--navy); background: var(--mist); padding: 4px 9px; border-radius: 999px; justify-self: start; }
.steps-cta { margin-top: clamp(28px, 4vw, 44px); display: flex; flex-wrap: wrap; align-items: center; gap: 14px 24px; }

/* Vertrauen */
.trust { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
@media (min-width: 640px) { .trust { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1100px) { .trust { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.trust__item { background: var(--paper); padding: clamp(24px, 3vw, 32px); display: grid; gap: 12px; align-content: start; }
.trust__ico { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--gold-soft); color: var(--gold-text); }
.trust__ico .icon { width: 24px; height: 24px; }
.trust__item h3 { font-size: 1.12rem; font-weight: 650; }
.trust__item p { color: var(--muted); font-size: .97rem; }
.audience { margin-top: clamp(28px, 4vw, 40px); display: flex; flex-wrap: wrap; align-items: center; gap: 10px 12px; }
.audience > span { font-weight: 650; margin-right: 6px; }
.audience .tags li { background: var(--paper); border: 1px solid var(--line); }

/* FAQ */
.faq-grid { display: grid; gap: clamp(32px, 5vw, 64px); align-items: start; }
@media (min-width: 980px) { .faq-grid { grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); } .faq-grid__intro { position: sticky; top: 150px; } }
.faq-grid__intro { display: grid; gap: 18px; min-width: 0; }
.faq-card { margin-top: 10px; padding: 22px; border-radius: var(--radius-lg); background: var(--navy); color: #fff; display: grid; gap: 14px; justify-items: start; }
.faq-card p { color: var(--on-navy-muted); }
.faq-card strong { color: #fff; display: block; font-size: 1.08rem; margin-bottom: 4px; }
.faq { display: grid; gap: 10px; min-width: 0; }
.faq details { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); transition: border-color .2s, box-shadow .2s; }
.faq details[open] { border-color: var(--line-strong); box-shadow: var(--shadow-sm); }
.faq summary {
  list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 18px 20px; font-weight: 650; line-height: 1.4;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary .faq__icon { flex: none; width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--mist); color: var(--navy); transition: transform .25s var(--ease), background-color .2s; }
.faq summary .faq__icon .icon { width: 16px; height: 16px; stroke-width: 2.4; }
.faq details[open] .faq__icon { transform: rotate(45deg); background: var(--gold-soft); color: var(--gold-text); }
.faq__body { padding: 0 20px 20px; color: var(--muted); }
.faq__body > * + * { margin-top: .7em; }
.faq__body a { color: var(--navy); }

/* Abschluss-CTA */
.final-cta { position: relative; overflow: hidden; isolation: isolate; background: radial-gradient(70% 90% at 50% 0%, rgba(40, 110, 200, .35), transparent 70%), var(--navy); text-align: center; }
.final-cta .brand-band { right: 10%; width: 50%; }
.final-cta__inner { display: grid; justify-items: center; gap: 22px; max-width: 760px; margin-inline: auto; }
.final-cta h2 { font-size: var(--fs-h2); font-weight: 700; letter-spacing: -.022em; line-height: 1.12; }
.final-cta .checks { justify-content: center; color: #fff; }
.final-cta__mark { width: 74px; height: auto; }

/* Inhalts-Bausteine Unterseiten */
.split { display: grid; gap: clamp(32px, 5vw, 64px); align-items: start; }
@media (min-width: 980px) { .split { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } .split--wide-left { grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr); } }
.cards-3 { display: grid; gap: 18px; }
@media (min-width: 760px) { .cards-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.cards-2 { display: grid; gap: 18px; }
@media (min-width: 760px) { .cards-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.cards-3x2 { display: grid; gap: 18px; }
@media (min-width: 640px) { .cards-3x2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .cards-3x2 { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.icard { display: grid; gap: 12px; align-content: start; padding: clamp(22px, 3vw, 28px); border-radius: var(--radius-lg); background: var(--paper); border: 1px solid var(--line); min-width: 0; }
.section--mist .icard { border-color: transparent; box-shadow: var(--shadow-sm); }
.icard__ico { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--navy); color: var(--gold-light); }
.icard__ico .icon { width: 24px; height: 24px; }
.icard h3 { font-size: 1.12rem; font-weight: 650; line-height: 1.3; }
.icard p { color: var(--muted); font-size: .98rem; }
.icard .link-arrow { margin-top: 4px; font-size: .95rem; }

.checklist { list-style: none; display: grid; gap: 12px; }
.checklist li { display: grid; grid-template-columns: 26px 1fr; gap: 12px; line-height: 1.5; }
.checklist .icon { width: 22px; height: 22px; color: var(--gold-text); stroke-width: 2.2; margin-top: 1px; }
.checklist strong { font-weight: 650; }

.note-card { padding: clamp(22px, 3vw, 30px); border-radius: var(--radius-lg); background: var(--mist); display: grid; gap: 14px; }
.section--mist .note-card { background: var(--paper); }
.note-card h3 { font-size: 1.12rem; font-weight: 650; }
.note-card p { color: var(--muted); }
.note-card .fact__num { color: var(--navy); }
.note-card .fact__src { color: var(--muted); }

.related { display: grid; gap: 12px; }
@media (min-width: 640px) { .related { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1000px) { .related { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.related a {
  display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 18px 20px; border-radius: var(--radius);
  background: var(--paper); border: 1px solid var(--line); text-decoration: none; font-weight: 650; color: var(--navy);
  transition: border-color .2s, transform .2s var(--ease);
}
.related a:hover { border-color: var(--navy); transform: translateY(-2px); }
.related a .icon { color: var(--gold-text); }

.inline-cta {
  display: grid; gap: 18px; align-items: center; padding: clamp(24px, 3.5vw, 36px); border-radius: var(--radius-lg);
  background: var(--navy); color: #fff; position: relative; overflow: hidden; isolation: isolate;
}
.inline-cta .brand-band { width: 40%; right: -5%; }
.inline-cta h2 { font-size: clamp(1.3rem, 1.1rem + 1vw, 1.75rem); line-height: 1.2; letter-spacing: -.015em; }
.inline-cta p { color: var(--on-navy-muted); margin-top: 6px; }
@media (min-width: 860px) { .inline-cta { grid-template-columns: 1fr auto; } }

/* Über uns */
.founder { display: grid; gap: clamp(28px, 4vw, 48px); align-items: center; }
@media (min-width: 860px) { .founder { grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); } }
.photo-slot {
  position: relative; aspect-ratio: 4 / 5; max-width: 100%; border-radius: var(--radius-lg); overflow: hidden;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-ink) 100%);
  display: grid; place-items: center;
}
.photo-slot::before { content: ""; position: absolute; inset: -20% -40% -20% 30%; background: rgba(255, 222, 89, .07); transform: skewX(-31deg); }
.photo-slot__mark { position: relative; width: 46%; opacity: .95; }
.photo-slot img.photo { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.photo-slot figcaption { position: absolute; left: 16px; right: 16px; bottom: 16px; color: #fff; font-size: var(--fs-small); background: rgba(0, 27, 68, .6); backdrop-filter: blur(6px); padding: 10px 14px; border-radius: 10px; }
.values { list-style: none; display: grid; gap: 14px; }
.values li { padding: 18px 20px; border-radius: var(--radius); background: var(--paper); border: 1px solid var(--line); }
.values strong { display: block; font-weight: 650; margin-bottom: 4px; }
.values span { color: var(--muted); font-size: .97rem; }

/* Rechtliche Seiten */
.legal { padding-block: clamp(40px, 6vw, 80px) var(--section); }
.legal h1 { font-size: var(--fs-h1); line-height: 1.1; letter-spacing: -.025em; margin-bottom: 12px; }
.legal .prose h2 { font-size: 1.35rem; }
.legal address { font-style: normal; }
.ph { background: var(--gold-soft); color: var(--gold-text); border: 1px dashed var(--gold); border-radius: 4px; padding: 0 4px; font-weight: 600; }
.legal-alert { display: flex; gap: 12px; padding: 16px 18px; border-radius: var(--radius); background: #FFF6E5; border: 1px solid #F1D08C; color: #6B4A07; font-size: var(--fs-small); margin-block: 20px 8px; max-width: 68ch; }
.legal-alert .icon { flex: none; width: 20px; height: 20px; margin-top: 2px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-ink); color: var(--on-navy-muted); padding-block: clamp(48px, 6vw, 80px) 28px; font-size: .95rem; }
.footer-grid { display: grid; gap: 36px; }
@media (min-width: 760px) { .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } .footer-brand { grid-column: 1 / -1; } }
@media (min-width: 1100px) { .footer-grid { grid-template-columns: 1.25fr 1fr 1fr 1fr 1fr; } .footer-brand { grid-column: auto; } }
.footer-col__h2-2 { margin-top: 24px; }
.footer-brand { display: grid; gap: 18px; justify-items: start; }
.footer-brand img { width: 200px; height: auto; }
.footer-brand p { max-width: 30ch; }
.footer-col h2 { font-size: var(--fs-tiny); letter-spacing: .16em; text-transform: uppercase; color: var(--gold); font-weight: 650; margin-bottom: 14px; }
.footer-col ul { list-style: none; display: grid; gap: 10px; }
.footer-col a, .footer-col button { color: var(--on-navy-muted); text-decoration: none; background: none; border: 0; padding: 0; cursor: pointer; text-align: left; font-size: inherit; }
.footer-col a:hover, .footer-col button:hover { color: #fff; }
.footer-bottom { margin-top: 44px; padding-top: 24px; border-top: 1px solid var(--on-navy-line); display: grid; gap: 14px; font-size: var(--fs-tiny); line-height: 1.6; }
.footer-bottom p { max-width: 110ch; }

/* ---------- Sticky Mobile CTA ---------- */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 70;
  padding: 10px var(--gutter) calc(10px + env(safe-area-inset-bottom, 0px));
  background: rgba(0, 27, 68, .94); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  border-top: 1px solid var(--on-navy-line);
  transform: translateY(110%); transition: transform .35s var(--ease);
}
.sticky-cta.is-visible { transform: none; }
.sticky-cta .btn-brand { width: 100%; justify-content: space-between; min-height: 54px; font-size: 1.22rem; padding: 8px 8px 8px 18px; gap: 10px; }
.sticky-cta__label { min-width: 0; overflow: hidden; text-overflow: ellipsis; }
.sticky-cta__pill {
  flex: none; display: inline-flex; align-items: center; gap: 6px; height: 38px; padding: 0 12px; border-radius: 9px;
  background: var(--navy-ink); color: var(--gold-light); font-family: var(--font-sans); text-transform: none; font-size: .85rem; font-weight: 700; letter-spacing: 0;
}
.sticky-cta__pill .icon { width: 16px; height: 16px; stroke-width: 2.4; }
@media (min-width: 900px) { .sticky-cta { display: none; } }
@media (max-width: 899px) { body.has-sticky { padding-bottom: calc(76px + env(safe-area-inset-bottom, 0px)); } }

/* ---------- Cookie-Einstellungen ---------- */
.consent {
  position: fixed; z-index: 120; left: 12px; right: 12px; bottom: calc(12px + env(safe-area-inset-bottom, 0px));
  max-width: 560px; margin-left: auto; background: var(--paper); color: var(--ink); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); border: 1px solid var(--line); padding: 22px; display: grid; gap: 14px;
}
.consent h2 { font-size: 1.1rem; font-weight: 700; }
.consent p { font-size: var(--fs-small); color: var(--muted); }
.consent a { color: var(--navy); }
.consent__opts { display: grid; gap: 10px; }
.consent__opt { display: grid; grid-template-columns: auto 1fr; gap: 12px; padding: 12px 14px; border-radius: 12px; background: var(--mist); align-items: start; }
.consent__opt input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--navy); }
.consent__opt strong { display: block; font-size: .95rem; }
.consent__opt span { font-size: var(--fs-tiny); color: var(--muted); }
.consent__actions { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.consent__actions .btn { min-height: 46px; font-size: .95rem; padding-inline: 12px; white-space: normal; }
.consent__actions .btn-link { grid-column: 1 / -1; background: none; border: 0; color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; cursor: pointer; min-height: 36px; }

/* ---------- Potenzialcheck ---------- */
.check-overlay {
  position: fixed; inset: 0; z-index: 100; display: grid; place-items: center;
  background: rgba(0, 18, 46, .62); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  opacity: 0; transition: opacity .25s;
}
.check-overlay.is-open { opacity: 1; }
.check {
  position: relative; display: flex; flex-direction: column; background: var(--paper); color: var(--ink);
  width: 100%; height: 100%; height: 100dvh; overflow: hidden;
}
.check-overlay .check { transform: translateY(16px); transition: transform .3s var(--ease); }
.check-overlay.is-open .check { transform: none; }
@media (min-width: 720px) {
  .check-overlay .check { width: min(700px, calc(100vw - 48px)); height: auto; max-height: min(880px, calc(100dvh - 48px)); border-radius: 24px; box-shadow: var(--shadow-lg); }
}
.check--inline { height: auto; min-height: 0; border-radius: 24px; border: 1px solid var(--line); box-shadow: var(--shadow); max-width: 760px; margin-inline: auto; }
.check__head { display: flex; align-items: center; gap: 12px; padding: calc(12px + env(safe-area-inset-top, 0px)) 18px 12px; border-bottom: 1px solid var(--line); }
.check--inline .check__head, .check-overlay .check__head { padding-top: 14px; }
@media (max-width: 719px) { .check-overlay .check__head { padding-top: calc(12px + env(safe-area-inset-top, 0px)); } }
.check__brand { display: flex; align-items: center; gap: 10px; font-weight: 700; letter-spacing: -.01em; }
.check__brand img { width: 30px; height: auto; }
.check__brand span { display: grid; line-height: 1.15; }
.check__brand small { font-weight: 550; font-size: var(--fs-tiny); color: var(--muted); }
.check__close { margin-left: auto; width: 44px; height: 44px; border-radius: 12px; border: 1px solid var(--line); background: var(--paper); display: grid; place-items: center; cursor: pointer; color: var(--ink); }
.check__close:hover { border-color: var(--line-strong); }
.check__progress { height: 4px; background: var(--mist); }
.check__progress span { display: block; height: 100%; width: 20%; background: var(--gold-gradient); transition: width .4s var(--ease); }
.check__body { flex: 1; overflow-y: auto; padding: clamp(20px, 4vw, 34px) clamp(18px, 4vw, 38px) 24px; -webkit-overflow-scrolling: touch; }
.check__step { display: grid; gap: 22px; animation: stepIn .35s var(--ease) both; }
@keyframes stepIn { from { opacity: 0; transform: translateX(14px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .check__step { animation: none; } }
.check__kicker { font-size: var(--fs-tiny); font-weight: 650; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-text); }
.check__q { font-size: clamp(1.4rem, 1.15rem + 1.2vw, 1.85rem); line-height: 1.18; letter-spacing: -.02em; font-weight: 700; margin-top: 6px; }
.check__hint { color: var(--muted); margin-top: 8px; font-size: .97rem; }
.check__group { display: grid; gap: 12px; border: 0; padding: 0; margin: 0; min-width: 0; }
.check__group + .check__group { margin-top: 6px; }
.check__group legend { font-weight: 650; font-size: 1rem; padding: 0; margin-bottom: 12px; display: flex; align-items: center; gap: 8px; }
.check__group legend .icon { color: var(--gold-text); width: 18px; height: 18px; }
.check__group legend small { font-weight: 500; color: var(--muted); }

.opts { display: grid; gap: 10px; }
@media (min-width: 560px) { .opts--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.opt { position: relative; display: block; }
.opt input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.opt__box {
  display: grid; grid-template-columns: 42px 1fr 24px; align-items: center; gap: 12px; min-height: 64px;
  padding: 10px 14px 10px 10px; border-radius: 14px; border: 1.5px solid var(--line); background: var(--paper); cursor: pointer;
  transition: border-color .15s, background-color .15s, box-shadow .15s;
}
.opt__box:hover { border-color: var(--line-strong); }
.opt__ico { width: 42px; height: 42px; border-radius: 11px; display: grid; place-items: center; background: var(--mist); color: var(--navy); transition: background-color .15s, color .15s; }
.opt__ico .icon { width: 22px; height: 22px; }
.opt__label { font-weight: 600; line-height: 1.3; }
.opt__label small { display: block; font-weight: 450; font-size: var(--fs-tiny); color: var(--muted); margin-top: 2px; }
.opt__tick { width: 24px; height: 24px; border-radius: 7px; border: 1.5px solid var(--line-strong); display: grid; place-items: center; color: transparent; transition: all .15s; }
.opt input[type="radio"] + .opt__box .opt__tick { border-radius: 50%; }
.opt__tick .icon { width: 15px; height: 15px; stroke-width: 3; }
.opt input:checked + .opt__box { border-color: var(--navy); background: #F5F8FD; box-shadow: 0 0 0 3px rgba(0, 53, 122, .08); }
.opt input:checked + .opt__box .opt__ico { background: var(--navy); color: var(--gold-light); }
.opt input:checked + .opt__box .opt__tick { background: var(--navy); border-color: var(--navy); color: #fff; }
.opt input:focus-visible + .opt__box { outline: 3px solid var(--gold); outline-offset: 2px; }

.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { position: relative; }
.chip input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.chip span {
  display: inline-flex; align-items: center; gap: 6px; min-height: 44px; padding: 9px 15px; border-radius: 999px;
  border: 1.5px solid var(--line); background: var(--paper); font-weight: 600; font-size: .94rem; cursor: pointer; transition: all .15s;
}
.chip span:hover { border-color: var(--line-strong); }
.chip input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.chip input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }

.fields { display: grid; gap: 14px; }
@media (min-width: 560px) { .fields--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.field { display: grid; gap: 6px; min-width: 0; }
.field label { font-weight: 600; font-size: .94rem; }
.field label small { font-weight: 450; color: var(--muted); }
.field input {
  width: 100%; min-height: 52px; padding: 12px 14px; border-radius: 12px; border: 1.5px solid var(--line-strong);
  font: inherit; font-size: 1rem; color: var(--ink); background: var(--paper); transition: border-color .15s, box-shadow .15s;
}
.field input:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(0, 53, 122, .12); }
.field.has-error input { border-color: var(--error); }
.field__err { color: var(--error); font-size: var(--fs-tiny); font-weight: 600; }
.consent-box { display: grid; grid-template-columns: 24px 1fr; gap: 12px; padding: 16px; border-radius: 14px; background: var(--mist); font-size: .88rem; line-height: 1.5; color: var(--muted); }
.consent-box input { width: 22px; height: 22px; margin: 1px 0 0; accent-color: var(--navy); }
.consent-box a { color: var(--navy); }
.consent-box.has-error { box-shadow: 0 0 0 2px var(--error); }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; opacity: 0; }

.check__foot {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 14px 18px calc(14px + env(safe-area-inset-bottom, 0px)); border-top: 1px solid var(--line); background: var(--paper);
}
.check--inline .check__foot { padding-bottom: 14px; border-radius: 0 0 24px 24px; }
.check__foot .btn-navy, .check__foot .btn-gold { min-width: 150px; }
.check__foot .btn[disabled] { opacity: .4; cursor: not-allowed; transform: none; box-shadow: none; }
.check__secure { display: inline-flex; align-items: center; gap: 6px; font-size: var(--fs-tiny); color: var(--muted); }
.check__secure .icon { width: 14px; height: 14px; color: var(--success); }
.check__error { padding: 12px 14px; border-radius: 12px; background: #FDECEA; color: var(--error); font-weight: 600; font-size: .92rem; }

.check__done { text-align: center; display: grid; gap: 18px; justify-items: center; padding-block: 10px 20px; }
.done-badge { width: 84px; height: 84px; border-radius: 50%; display: grid; place-items: center; background: var(--gold-gradient); color: var(--navy-ink); box-shadow: 0 14px 34px rgba(225, 167, 48, .35); }
.done-badge .icon { width: 40px; height: 40px; stroke-width: 2.6; }
@media (prefers-reduced-motion: no-preference) { .done-badge { animation: pop .5s var(--ease) both; } @keyframes pop { from { transform: scale(.6); opacity: 0; } to { transform: none; opacity: 1; } } }
.done-steps { list-style: none; display: grid; gap: 10px; text-align: left; width: 100%; max-width: 460px; counter-reset: d; }
.done-steps li { display: grid; grid-template-columns: 34px 1fr; gap: 12px; align-items: start; padding: 14px; border-radius: 14px; background: var(--mist); }
.done-steps li::before { counter-increment: d; content: counter(d); width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: var(--navy); color: var(--gold-light); font-family: var(--font-brand); font-size: 1.05rem; }
.done-steps strong { display: block; }
.done-steps span { color: var(--muted); font-size: .92rem; }
.done-summary { font-size: var(--fs-small); color: var(--muted); }
.demo-note { font-size: var(--fs-tiny); color: var(--gold-text); background: var(--gold-soft); padding: 8px 12px; border-radius: 8px; }

body.is-locked { overflow: hidden; }

/* Potenzialcheck-Seite */
.check-page { background: linear-gradient(180deg, var(--navy) 0 300px, var(--mist) 300px); padding-block: clamp(28px, 5vw, 56px) var(--section); }
.check-page__head { color: #fff; text-align: center; display: grid; gap: 10px; justify-items: center; margin-bottom: 28px; }
.check-page__head h1 { font-family: var(--font-brand); font-weight: 400; font-size: clamp(2.2rem, 1.6rem + 3vw, 3.4rem); line-height: 1.05; }
.check-page__head p { color: var(--on-navy-muted); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

/* ---------- Ergänzungen ---------- */
.check__form { display: flex; flex-direction: column; flex: 1; min-height: 0; }
.bu-calc { gap: 16px; }
.bu-calc h3 { font-size: 1.25rem; }
.range-field label { display: flex; justify-content: space-between; gap: 12px; }
.range-field output { font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; white-space: nowrap; }
.range-field input[type="range"] { width: 100%; min-height: 32px; padding: 0; border: 0; accent-color: var(--navy); background: transparent; }
.bu-calc__result { display: grid; gap: 4px; padding: 16px 18px; border-radius: var(--radius); background: var(--paper); border: 1px solid var(--line); }
.bu-calc__result .fact__num { color: var(--navy); font-variant-numeric: tabular-nums; font-size: clamp(2.2rem, 1.8rem + 2vw, 3.2rem); }
.bu-calc .btn { justify-self: start; }
.note-card .btn { justify-self: start; }
.note-card .checks li { color: var(--ink); }
.split .inline-cta { grid-template-columns: 1fr; }
.prose .btn { margin-top: 1.2em; text-decoration: none; }
.prose .checklist { margin-top: 1.2em; }
h1, h2, h3, summary, .opt__label, .pcard__label, .selftest__q { overflow-wrap: break-word; }
@media (max-width: 520px) {
  h1, h2, .faq summary, .check__q { hyphens: auto; -webkit-hyphens: auto; }
  .legal h1 { font-size: clamp(1.7rem, 7vw, 2.2rem); }
}
.pcard__row { grid-template-columns: 40px minmax(0, 1fr) auto; }
@media (max-width: 420px) {
  .pcard__status { padding: 6px; }
  .pcard__status .pcard__status-text { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .pcard__ico { width: 36px; height: 36px; }
  .pcard__row { grid-template-columns: 36px minmax(0, 1fr) auto; gap: 10px; }
}
.faq > details { min-width: 0; }
.faq summary { overflow-wrap: anywhere; }

/* Mobile Feinschliff */
html { overflow-x: clip; }
.header-actions { min-width: 0; }
@media (max-width: 440px) {
  .header-actions .btn-brand--sm { padding: 8px 12px; font-size: 1rem; }
  .header-actions .btn-brand--sm .btn-brand__arrow { display: none; }
  .header-actions { gap: 8px; }
  .nav-toggle { width: 44px; height: 44px; }
}
.check__group legend { display: flex; align-items: flex-start; gap: 8px; }
.check__group legend .icon { margin-top: 3px; flex: none; }
.check__group legend small { white-space: nowrap; }
.check__foot .btn { white-space: normal; text-align: center; }
@media (max-width: 480px) {
  .check__foot .btn-ghost { padding-inline: 8px; min-width: 44px; }
  .check__back-label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .check__foot .btn-navy, .check__foot .btn-gold { flex: 1; min-width: 0; }
  .check__secure { font-size: .72rem; }
}
.hero__badge { text-wrap: balance; }

/* ==========================================================================
   Wechselaktion 2026
   Alles mit [data-aktion] verschwindet nach dem Aktionsende automatisch
   (Klasse .aktion-off am <html>, gesetzt im <head> anhand config.js).
   ========================================================================== */
[data-aktion-ended] { display: none; }
.aktion-off [data-aktion] { display: none !important; }
.aktion-off [data-aktion-ended] { display: block; }
.aktionbar-closed .aktionbar { display: none; }

.hl-gold { background: linear-gradient(transparent 60%, rgba(255, 222, 89, .8) 60%); padding: 0 .06em; border-radius: 2px; }
.btn-lg { min-height: 56px; padding: 15px 24px; font-size: 1.05rem; }
sup { font-size: .62em; line-height: 0; }
sup a { color: inherit; text-decoration: none; }

/* Aktionsbalken */
.aktionbar { position: relative; background: var(--navy-ink); color: #fff; font-size: .86rem; border-bottom: 1px solid rgba(255, 222, 89, .16); overflow: hidden; isolation: isolate; }
.aktionbar::before { content: ""; position: absolute; z-index: -1; inset: 0 auto 0 -40px; width: 34%; background: rgba(255, 222, 89, .07); transform: skewX(-31deg); }
.aktionbar__inner { display: flex; align-items: center; gap: 6px; min-height: 44px; }
.aktionbar__link { flex: 1; min-width: 0; display: flex; align-items: center; justify-content: center; gap: 6px 12px; padding: 8px 0; color: inherit; text-decoration: none; line-height: 1.35; }
.aktionbar__tag { flex: none; background: var(--gold-gradient); color: var(--navy-ink); font-weight: 700; font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; padding: 4px 9px; border-radius: 999px; }
.aktionbar__text { font-weight: 550; min-width: 0; }
.aktionbar__cta { flex: none; display: inline-flex; align-items: center; gap: 4px; color: var(--gold-light); font-weight: 650; }
.aktionbar__cta .icon { width: 15px; height: 15px; stroke-width: 2.2; transition: transform .2s var(--ease); }
.aktionbar__link:hover .aktionbar__cta .icon { transform: translateX(3px); }
.aktionbar__close { flex: none; width: 36px; height: 36px; display: grid; place-items: center; border: 0; border-radius: 8px; background: transparent; color: var(--on-navy-muted); cursor: pointer; }
.aktionbar__close:hover { color: #fff; background: rgba(255, 255, 255, .08); }
.aktionbar__close .icon { width: 18px; height: 18px; }
@media (max-width: 759px) {
  .aktionbar { font-size: .8rem; }
  .aktionbar__link { justify-content: flex-start; }
  .aktionbar__more, .aktionbar__cta { display: none; }
}
@media (max-width: 479px) { .aktionbar__date { display: none; } }

/* Navigation */
.main-nav .nav-aktion a { color: var(--gold-light); font-weight: 650; }
.main-nav .nav-aktion a::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 3px rgba(225, 167, 48, .25); margin-right: 8px; flex: none; }
.main-nav .nav-aktion a:hover, .main-nav .nav-aktion a[aria-current="page"] { color: var(--gold-light); }
/* Platz für „Wechselaktion“: Startseite steckt im Logo, lange Punkte werden gekürzt */
html:not(.aktion-off) .main-nav--aktion .nav-home { display: none; }
@media (min-width: 1100px) and (max-width: 1279px) {
  html:not(.aktion-off) .main-nav--aktion .nav-x { display: none; }
}
@media (min-width: 1100px) and (max-width: 1199px) {
  html:not(.aktion-off) .main-nav--aktion ul { gap: 2px; }
  html:not(.aktion-off) .main-nav--aktion a { font-size: .86rem; }
}
.mobile-nav .nav-aktion a { color: var(--gold-light); }
.mobile-nav .nav-aktion small { display: block; font-size: .82rem; font-weight: 500; color: var(--on-navy-muted); margin-top: 2px; }

/* Mobile Sticky-Leiste mit zweitem Button */
@media (max-width: 899px) {
  .sticky-cta--duo { display: flex; gap: 8px; align-items: stretch; }
  .sticky-cta--duo .sticky-cta__label { white-space: nowrap; }
  .sticky-cta--duo .btn-brand { flex: 1 1 0; min-width: 0; }
  html:not(.aktion-off) .sticky-cta--duo .btn-brand { justify-content: center; font-size: 1.12rem; padding: 8px 12px; }
  html:not(.aktion-off) .sticky-cta--duo .sticky-cta__pill { display: none; }
}
.sticky-cta__aktion {
  flex: none; min-height: 54px; padding: 6px 12px 6px 10px; gap: 8px; border-radius: 12px; justify-content: flex-start;
  background: rgba(255, 222, 89, .1); border: 1.5px solid rgba(255, 222, 89, .55); color: #fff;
  font-size: .8rem; font-weight: 650; line-height: 1.15; white-space: normal; text-align: left;
}
.sticky-cta__aktion .icon { color: var(--gold-light); width: 20px; height: 20px; flex: none; }
.sticky-cta__aktion:hover { background: rgba(255, 222, 89, .18); }

/* Countdown */
.countdown { display: inline-flex; flex-wrap: wrap; align-items: center; gap: 8px 14px; font-size: .9rem; }
.countdown__label { display: inline-flex; align-items: center; gap: 6px; font-weight: 650; color: var(--muted); }
.countdown__label .icon { width: 16px; height: 16px; color: var(--gold-text); stroke-width: 2.2; }
.countdown__units { display: inline-flex; gap: 6px; }
.countdown__units > span { display: inline-flex; align-items: baseline; gap: 4px; padding: 5px 9px; border-radius: 9px; background: var(--paper); border: 1px solid var(--line); }
.countdown b { font-family: var(--font-brand); font-weight: 400; font-size: 1.15rem; line-height: 1.1; color: var(--navy); font-variant-numeric: tabular-nums; letter-spacing: .02em; }
.countdown small { font-size: .72rem; font-weight: 650; color: var(--muted); }
.on-navy .countdown__label { color: var(--on-navy-muted); }
.on-navy .countdown__label .icon { color: var(--gold); }
.countdown--card { display: flex; justify-content: space-between; width: 100%; }
.pcard .countdown__label { color: var(--muted); }
.pcard .countdown__label .icon { color: var(--gold-text); }
.countdown--card .countdown__units > span { background: var(--mist); border-color: transparent; }

/* Angebotskarten */
.offers { display: grid; gap: 18px; }
@media (min-width: 760px) { .offers { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 980px) { .offers--stack { grid-template-columns: minmax(0, 1fr); } }
.offer {
  position: relative; overflow: hidden; display: flex; flex-direction: column; gap: 16px; min-width: 0;
  padding: clamp(22px, 3vw, 30px); border-radius: var(--radius-lg); background: var(--paper); border: 1px solid var(--line);
}
.offer::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: var(--gold-gradient); }
.section--mist .offer { border-color: transparent; box-shadow: var(--shadow-sm); }
.offer__head { display: flex; align-items: center; gap: 12px; }
.offer__ico { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--navy); color: var(--gold-light); flex: none; }
.offer__ico .icon { width: 24px; height: 24px; }
.offer__label { font-size: 1.15rem; font-weight: 700; letter-spacing: -.01em; line-height: 1.25; }
.offer__value { display: flex; flex-wrap: wrap; align-items: baseline; gap: 2px 10px; }
.offer__upto { font-weight: 650; color: var(--muted); font-size: .98rem; }
.offer__num { font-family: var(--font-brand); font-size: clamp(2.8rem, 2.2rem + 2.4vw, 3.8rem); line-height: 1; color: var(--navy); letter-spacing: .01em; }
.offer__unit { flex-basis: 100%; font-weight: 600; font-size: .98rem; }
.offer__list { list-style: none; display: grid; gap: 10px; }
.offer__list li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; line-height: 1.4; }
.offer__list .icon { width: 20px; height: 20px; color: var(--gold-text); stroke-width: 2.4; margin-top: 1px; }
.offer__list strong { font-weight: 650; }
.offer__list small { display: block; color: var(--muted); font-size: .86rem; margin-top: 1px; }
.offer__perm { margin-top: auto; display: flex; align-items: center; gap: 8px; padding-top: 14px; border-top: 1px dashed var(--line-strong); font-size: .92rem; font-weight: 650; color: var(--navy); }
.offer__perm .icon { width: 18px; height: 18px; color: var(--gold-text); flex: none; }
.offer--compact { padding: 20px 22px; gap: 12px; }
.offer--compact .offer__num { font-size: clamp(2.4rem, 2rem + 1.6vw, 3rem); }
.offer--compact .offer__list { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px 14px; }
.offer--compact .offer__list li { font-size: .93rem; }
.offer--compact .offer__list strong { font-weight: 600; }
@media (max-width: 420px) { .offer--compact .offer__list { grid-template-columns: minmax(0, 1fr); } }

/* Drei Angebotskarten: Sach (fest 10 %), Wohngebäude & Rechtsschutz (fest 5 %), Kfz (6–10 %) */
@media (min-width: 760px) and (max-width: 999px) { .offers--3:not(.offers--stack) > .offer:last-child { grid-column: 1 / -1; } }
@media (min-width: 1000px) { .offers--3:not(.offers--stack) { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (min-width: 760px) and (max-width: 979px) { .offers--3.offers--stack > .offer:last-child { grid-column: 1 / -1; } }
.offer--featured { border-color: rgba(225, 167, 48, .55); box-shadow: 0 0 0 1px rgba(225, 167, 48, .25), var(--shadow-sm); }
.section--mist .offer--featured { border-color: rgba(225, 167, 48, .55); }
.offer__fix { align-self: center; background: var(--navy); color: var(--gold-light); font-weight: 700; font-size: .74rem; letter-spacing: .1em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; }
.offer__min { white-space: nowrap; background: var(--gold-soft); color: var(--gold-text); padding: 1px 7px; border-radius: 6px; font-weight: 700; }
.offer__seal { display: grid; grid-template-columns: 30px minmax(0, 1fr); gap: 10px; align-items: center; padding: 12px 14px; border-radius: 12px; background: var(--gold-soft); border: 1px solid rgba(225, 167, 48, .45); line-height: 1.35; }
.offer__seal .icon { width: 28px; height: 28px; color: var(--gold-text); stroke-width: 1.9; }
.offer__seal strong { display: block; font-weight: 700; color: var(--navy-ink); font-size: .95rem; }
.offer__seal small { display: block; color: var(--gold-text); font-weight: 600; font-size: .86rem; }
.offer--compact .offer__seal { padding: 10px 12px; }
.offer--compact .offer__seal strong { font-size: .9rem; }
.h-sub { display: block; font-size: .5em; line-height: 1.2; margin-top: .4em; letter-spacing: -.01em; }
.aktion-hero .h-sub { color: var(--gold-light); }
.aktion-teaser .h-sub { color: var(--navy); font-size: .62em; }

/* Urkunde zur Besitzstandsgarantie */
.guarantee { margin-top: clamp(28px, 4vw, 44px); display: grid; gap: clamp(20px, 3vw, 36px); align-items: center; padding: clamp(22px, 3.5vw, 40px); border-radius: var(--radius-lg); background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.guarantee::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: var(--gold-gradient); }
@media (min-width: 760px) { .guarantee { grid-template-columns: 170px minmax(0, 1fr); } }
.guarantee__seal { justify-self: center; width: clamp(120px, 26vw, 170px); }
.seal { display: block; width: 100%; height: auto; font-family: var(--font-body, inherit); }
.guarantee__copy { display: grid; gap: 12px; min-width: 0; }
.guarantee .eyebrow { color: var(--gold-light); }
.guarantee__title { font-size: clamp(1.3rem, 1.05rem + 1vw, 1.75rem); line-height: 1.2; font-weight: 700; letter-spacing: -.015em; }
.guarantee__copy > p { color: var(--on-navy-muted); }
.guarantee__list { gap: 8px; margin-top: 4px; }
.guarantee__list li { color: #fff; }
.guarantee__list .icon { color: var(--gold-light); }
.guarantee__note { font-size: .82rem; }
.faq__body ul { padding-left: 1.2em; display: grid; gap: .35em; }

.aktion-note { margin-top: clamp(20px, 3vw, 28px); display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; color: var(--muted); max-width: 95ch; }
.aktion-note .icon { flex: none; width: 18px; height: 18px; color: var(--gold-text); margin-top: 3px; }
.aktion-note strong { color: var(--ink); font-weight: 650; }
.aktion-note a { color: var(--navy); font-weight: 600; }

/* Startseiten-Abschnitt */
.aktion-teaser__grid { display: grid; gap: clamp(28px, 4vw, 52px); align-items: center; }
@media (min-width: 980px) { .aktion-teaser__grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
.aktion-teaser__intro { display: grid; gap: 18px; justify-items: start; min-width: 0; }
.aktion-teaser__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 22px; margin-top: 4px; }

/* Aktionsseite: Hero */
.aktion-hero h1 { font-size: clamp(2.5rem, 1.4rem + 4.4vw, 4.6rem); }
.aktion-hero .hero__lead sup a { color: var(--gold-light); }
.aktion-hero__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.aktion-hero__fn { font-size: .78rem; line-height: 1.5; color: var(--on-navy-muted); max-width: 62ch; }
.aktion-hero__fn a { color: #fff; }
@media (max-width: 520px) { .aktion-hero__actions .btn { width: 100%; white-space: normal; padding-inline: 16px; } }
.acard .pcard__status { background: var(--gold-soft); color: var(--gold-text); }
.acard .pcard__label sup { color: var(--gold-text); }
.acard__foot { margin-top: 6px; padding-top: 14px; border-top: 1px solid var(--line); }
.steps--3 { counter-reset: none; }
@media (min-width: 760px) { .steps--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } }

/* Upload-Bereich */
.upload-grid { display: grid; gap: 28px clamp(32px, 5vw, 56px); align-items: start; grid-template-areas: "intro" "card" "aside"; }
.upload-intro { grid-area: intro; display: grid; gap: 18px; min-width: 0; }
.upload-aside { grid-area: aside; display: grid; gap: 18px; min-width: 0; }
.upload-card { grid-area: card; }
@media (min-width: 980px) {
  .upload-grid { grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr); grid-template-rows: auto 1fr; grid-template-areas: "intro card" "aside card"; }
}
.upload-trust { display: grid; gap: 10px; margin-top: 6px; }
.upload-trust p { display: flex; gap: 12px; padding: 14px 16px; border-radius: var(--radius); background: var(--mist); font-size: .92rem; color: var(--muted); }
.upload-trust .icon { flex: none; width: 20px; height: 20px; color: var(--navy); margin-top: 2px; }
.upload-trust strong { color: var(--ink); }
.upload-trust a { color: var(--navy); font-weight: 650; white-space: nowrap; }
.upload-card { min-width: 0; background: var(--paper); border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); padding: clamp(18px, 3.5vw, 34px); }
@media (max-width: 520px) { .upload-card { margin-inline: calc(var(--gutter) * -0.5); padding: 18px 16px; } }

.uform { display: grid; gap: 24px; min-width: 0; }
.uform__head { display: grid; gap: 14px; }
.uform__title { display: flex; align-items: center; gap: 8px; font-weight: 700; font-size: 1.12rem; }
.uform__title .icon { width: 20px; height: 20px; color: var(--success); }
.uform__mode { max-width: none; }
.uform__mode span { display: flex; align-items: center; justify-content: center; gap: 8px; text-align: center; line-height: 1.2; }
.uform__mode span .icon { width: 18px; height: 18px; flex: none; }
.uform__mode input:checked + span { background: var(--navy); color: #fff; }
.uform__mode input:checked + span .icon { color: var(--gold-light); }
.uform__group { border: 0; padding: 0; margin: 0; min-width: 0; display: grid; gap: 12px; }
.uform__group legend, .uform [data-field="versicherer"] > label { display: flex; align-items: center; flex-wrap: wrap; gap: 6px 10px; padding: 0; margin-bottom: 12px; font-weight: 650; font-size: 1rem; line-height: 1.35; }
.uform [data-field="versicherer"] > label { margin-bottom: 4px; }
.uform__group legend small { font-weight: 500; color: var(--muted); }
.uform__num { flex: none; width: 26px; height: 26px; border-radius: 50%; display: inline-grid; place-items: center; background: var(--navy); color: var(--gold-light); font-family: var(--font-brand); font-weight: 400; font-size: .95rem; }
.uform__hint { display: flex; gap: 8px; font-size: .84rem; color: var(--muted); }
.uform__hint .icon { flex: none; width: 16px; height: 16px; color: var(--gold-text); margin-top: 2px; }
.uform__warn { display: flex; gap: 10px; padding: 12px 14px; border-radius: 12px; background: #FFF6E5; border: 1px solid #F1D08C; color: #6B4A07; font-size: .88rem; font-weight: 550; }
.uform__warn .icon { flex: none; width: 18px; height: 18px; margin-top: 1px; }
.uform__callback-note { display: flex; gap: 10px; padding: 14px 16px; border-radius: 14px; background: var(--gold-soft); color: #5C3F07; font-size: .9rem; }
.uform__callback-note .icon { flex: none; width: 18px; height: 18px; margin-top: 2px; color: var(--gold-text); }
.uform .chips span small { font-weight: 500; font-size: .76rem; color: var(--muted); }
.uform .chips input:checked + span small { color: var(--on-navy-muted); }
.chips--sm span { min-height: 40px; padding: 7px 12px; font-size: .88rem; }
.uform .has-error .chips span, .uform .drop.has-error { border-color: var(--error); }
.field textarea, .field select {
  width: 100%; padding: 12px 14px; border-radius: 12px; border: 1.5px solid var(--line-strong);
  font: inherit; font-size: 1rem; color: var(--ink); background: var(--paper); transition: border-color .15s, box-shadow .15s;
}
.field textarea { min-height: 96px; resize: vertical; }
.field textarea:focus, .field select:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(0, 53, 122, .12); }
.field input::placeholder, .field textarea::placeholder { color: #8A97AC; }
.field.has-error textarea { border-color: var(--error); }
@supports (-webkit-touch-callout: none) { .field input[type="date"] { -webkit-appearance: none; appearance: none; display: block; } }

.drop {
  display: grid; gap: 14px; justify-items: center; text-align: center; padding: 22px 18px; border-radius: 16px;
  border: 2px dashed var(--line-strong); background: var(--mist); transition: border-color .15s, background-color .15s;
}
.drop.is-over { border-color: var(--navy); background: #EAF0F8; }
.drop__ico { width: 52px; height: 52px; border-radius: 50%; display: grid; place-items: center; background: var(--paper); color: var(--navy); box-shadow: var(--shadow-sm); }
.drop__ico .icon { width: 24px; height: 24px; }
.drop__text strong { display: block; font-weight: 650; }
.drop__text span { display: block; color: var(--muted); font-size: .85rem; margin-top: 2px; }
.drop__actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.drop__btn { position: relative; overflow: hidden; min-height: 48px; cursor: pointer; }
.drop__btn:focus-within { outline: 3px solid var(--gold); outline-offset: 2px; }
.drop__input { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; cursor: pointer; font-size: 0; }
@media (hover: hover) and (pointer: fine) { .drop__btn--cam { display: none; } }
.drop.is-full .drop__actions { display: none; }
.files { list-style: none; display: grid; gap: 8px; }
.files:empty { display: none; }
.files li { display: grid; grid-template-columns: 36px minmax(0, 1fr) auto; gap: 10px; align-items: center; padding: 8px 8px 8px 10px; border: 1px solid var(--line); border-radius: 12px; background: var(--paper); }
.files__ico { width: 36px; height: 36px; border-radius: 9px; display: grid; place-items: center; background: var(--mist); color: var(--navy); }
.files__ico .icon { width: 18px; height: 18px; }
.files__name { font-weight: 600; font-size: .92rem; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.files__meta { display: block; font-size: .78rem; color: var(--muted); font-weight: 500; }
.files__rm { width: 40px; height: 40px; display: grid; place-items: center; border: 1px solid var(--line); border-radius: 10px; background: var(--paper); color: var(--muted); cursor: pointer; }
.files__rm:hover { color: var(--error); border-color: var(--error); }
.files__rm .icon { width: 18px; height: 18px; }

.uform__more { border: 1px solid var(--line); border-radius: 14px; }
.uform__more summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 10px; padding: 14px 16px; font-weight: 650; }
.uform__more summary::-webkit-details-marker { display: none; }
.uform__more summary small { font-weight: 500; color: var(--muted); }
.uform__more summary .icon { width: 18px; height: 18px; color: var(--navy); transition: transform .2s var(--ease); }
.uform__more[open] summary .icon { transform: rotate(45deg); }
.uform__more .fields { padding: 0 16px 16px; }
.uform__checks { display: grid; gap: 10px; }
.uform__checks .consent-box strong { color: var(--ink); font-weight: 650; }
.uform__progress { height: 6px; border-radius: 3px; background: var(--mist); overflow: hidden; }
.uform__progress span { display: block; height: 100%; width: 0; background: var(--gold-gradient); transition: width .2s linear; }
.uform__submit { min-height: 58px; font-size: 1.06rem; white-space: normal; }
.uform__submit[disabled] { opacity: .65; cursor: progress; transform: none; }
.uform__secure { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 6px; margin-top: -10px; font-size: .8rem; color: var(--muted); text-align: center; }
.uform__secure .icon { width: 15px; height: 15px; color: var(--success); }
.uform__secure a { color: var(--navy); }
.uform-done { display: grid; gap: 18px; justify-items: center; text-align: center; padding-block: 10px; }
.uform-done:focus { outline: none; }
.uform-done__title { font-size: clamp(1.3rem, 1.1rem + 1vw, 1.65rem); font-weight: 700; letter-spacing: -.02em; line-height: 1.25; max-width: 26ch; }

.terms { display: grid; gap: 12px; max-width: 86ch; }
.terms h2 { font-size: 1.2rem; font-weight: 700; }
.terms p { font-size: .88rem; color: var(--muted); }
.terms a { color: var(--navy); }

.aktion-ended__inner { display: grid; gap: 22px; justify-items: start; max-width: 780px; padding-block: clamp(44px, 7vw, 100px); }
.aktion-ended h1 { font-family: var(--font-brand); font-weight: 400; font-size: clamp(2.4rem, 1.6rem + 3.4vw, 4rem); line-height: 1.04; }
.aktion-ended .cta-note a { color: #fff; }
.seg.uform__mode { width: 100%; max-width: none; }
@media (max-width: 380px) {
  html:not(.aktion-off) .sticky-cta--duo .btn-brand { font-size: 1.02rem; padding-inline: 10px; }
  .sticky-cta__aktion { padding-inline: 8px; font-size: .76rem; gap: 6px; }
}
.consent__actions .consent__save { grid-column: 1 / -1; }

/* ==========================================================================
   Potenzialcheck: BU-Angaben, Einkommenslücke, Zahnzusatz
   ========================================================================== */
.field__hint { font-size: var(--fs-tiny); color: var(--muted); margin-top: -2px; }
.field__hint strong { color: var(--ink); }
.field__warn { color: var(--gold-text); font-size: var(--fs-tiny); font-weight: 600; }
.field__warn:empty, .field__err:empty { display: none; }
.check__hint--tight { margin: -4px 0 4px; font-size: .88rem; }
.check__group.has-error .chips span { border-color: var(--error); }
.money { position: relative; display: flex; align-items: stretch; }
.money input { padding-right: 98px; font-variant-numeric: tabular-nums; }
.money input:disabled { background: var(--mist); color: var(--muted); }
.money__unit { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); font-size: .86rem; font-weight: 600; color: var(--muted); pointer-events: none; }
.check-inline { display: inline-flex; align-items: center; gap: 10px; font-size: .94rem; font-weight: 550; cursor: pointer; margin-top: 4px; }
.check-inline input { width: 20px; height: 20px; accent-color: var(--navy); margin: 0; }
.bu-existing { display: grid; gap: 8px; padding: 16px; border-radius: 14px; background: var(--mist); }
.bu-existing .money input { background: var(--paper); }

.bu-result { display: grid; gap: 16px; padding: clamp(16px, 3vw, 22px); border-radius: 18px; border: 1px solid var(--line); background: var(--paper); box-shadow: var(--shadow-sm); }
.bu-result__badge { display: flex; align-items: center; gap: 8px; justify-self: start; padding: 6px 12px; border-radius: 999px; background: var(--gold-soft); color: var(--gold-text); font-size: .84rem; font-weight: 650; }
.bu-result__badge .icon { width: 16px; height: 16px; flex: none; }
.bu-result__main { display: grid; gap: 2px; }
.bu-result__label { font-size: var(--fs-tiny); font-weight: 650; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.bu-result__value { font-family: var(--font-brand); font-size: clamp(2.4rem, 2rem + 2vw, 3.2rem); line-height: 1.05; color: var(--navy); font-variant-numeric: tabular-nums; }
.bu-result__year { font-weight: 600; color: var(--muted); }
.bu-bar { display: flex; height: 16px; border-radius: 8px; overflow: hidden; background: repeating-linear-gradient(135deg, var(--mist) 0 6px, #E6ECF4 6px 12px); }
.bu-bar__covered { background: var(--navy); }
.bu-bar__gap { background: var(--gold-gradient); }
.bu-legend { list-style: none; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: .84rem; color: var(--muted); }
.bu-legend li { display: inline-flex; align-items: center; gap: 6px; }
.dot { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
.dot--covered { background: var(--navy); }
.dot--gap { background: var(--gold); }
.bu-rows { display: grid; margin: 0; border-top: 1px solid var(--line); }
.bu-rows > div { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 10px 0; border-bottom: 1px dashed var(--line); }
.bu-rows dt { font-size: .93rem; color: var(--muted); }
.bu-rows dd { margin: 0; font-weight: 650; text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.bu-rows dd small { font-weight: 500; color: var(--muted); white-space: normal; }
.bu-rows__gap dt { color: var(--ink); font-weight: 650; }
.bu-rows__gap dd { color: var(--navy); }
.bu-result__note { font-size: .82rem; line-height: 1.5; color: var(--muted); padding: 12px 14px; border-radius: 12px; background: var(--mist); }
.bu-result__cta { display: grid; gap: 8px; justify-items: start; }
.bu-result__cta .btn { white-space: normal; }
@media (max-width: 480px) {
  .bu-rows > div { flex-direction: column; gap: 2px; }
  .bu-rows dd { text-align: left; white-space: normal; }
  .bu-result__cta .btn { width: 100%; }
}

.health-box { display: grid; gap: 10px; padding: 16px; border-radius: 16px; border: 1.5px solid #F1D08C; background: #FFF9EC; }
.health-box__title { display: flex; align-items: center; gap: 8px; font-weight: 700; color: #6B4A07; }
.health-box__title .icon { width: 20px; height: 20px; flex: none; }
.health-box > p { font-size: .9rem; color: #5C4410; }
.health-box .consent-box { background: var(--paper); }
.zahn-questions { display: grid; gap: 18px; }
.check__note { display: flex; gap: 10px; padding: 12px 14px; border-radius: 12px; background: var(--mist); font-size: .88rem; color: var(--muted); }
.check__note .icon { flex: none; width: 18px; height: 18px; color: var(--navy); margin-top: 2px; }
.done-cal { display: grid; gap: 8px; justify-items: center; padding: 16px; border-radius: 16px; background: var(--mist); width: 100%; max-width: 460px; }
.done-cal p { font-weight: 600; }
.done-cal .btn { white-space: normal; }

/* Danke-Seite / Wechselaktion: Terminbuchung */
.cal-box { display: grid; gap: 10px; justify-items: center; padding: 18px; border-radius: 16px; background: var(--mist); width: 100%; max-width: 460px; margin-inline: auto; }
.cal-box p { font-weight: 600; }

/* ==========================================================================
   Online-Rechner (BU-Lücke, Rentenlücke, Fondsrechner)
   ========================================================================== */
.calc { display: grid; gap: clamp(20px, 3vw, 32px); align-items: start; }
@media (min-width: 980px) {
  .calc { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .calc__result { position: sticky; top: 150px; }
}
.calc__form { display: grid; gap: 18px; padding: clamp(18px, 3vw, 28px); border-radius: var(--radius-lg); background: var(--paper); border: 1px solid var(--line); box-shadow: var(--shadow-sm); min-width: 0; }
.section--mist .calc__form { border-color: transparent; }
.calc__title { display: flex; align-items: center; gap: 10px; font-weight: 700; font-size: 1.05rem; color: var(--navy); }
.calc__title .icon { width: 22px; height: 22px; color: var(--gold-text); }
.calc__form .check__group legend { font-size: .94rem; margin-bottom: 10px; }
.calc__sub { display: grid; gap: 12px; padding: 14px; border-radius: 14px; background: var(--mist); min-width: 0; }
.section--mist .calc__sub { background: #F1F4F9; }
.calc__sub[hidden], .calc [hidden] { display: none !important; }
.calc__hint { display: flex; gap: 8px; font-size: .9rem; color: var(--muted); }
.calc__hint .icon { flex: none; width: 18px; height: 18px; color: var(--gold-text); margin-top: 2px; }
.calc__hint-small { margin-top: -8px; }
.calc__more { border: 1px solid var(--line); border-radius: 14px; }
.calc__more > summary { list-style: none; display: flex; align-items: center; gap: 8px; padding: 12px 14px; cursor: pointer; font-weight: 600; font-size: .94rem; }
.calc__more > summary::-webkit-details-marker { display: none; }
.calc__more > summary .icon { width: 18px; height: 18px; color: var(--gold-text); transition: transform .2s var(--ease); }
.calc__more[open] > summary .icon { transform: rotate(45deg); }
.calc__more > summary small { font-weight: 500; color: var(--muted); }
.calc__more > .calc__sub { margin: 0 10px 10px; }
.calc__assume { list-style: none; display: grid; gap: 4px; font-size: .9rem; color: var(--muted); }
.calc__assume strong { color: var(--ink); }
.calc__privacy { display: flex; align-items: center; gap: 8px; font-size: .84rem; color: var(--muted); }
.calc__privacy .icon { width: 16px; height: 16px; color: var(--gold-text); flex: none; }
.calc__empty { display: grid; justify-items: center; text-align: center; gap: 12px; padding: clamp(28px, 5vw, 48px) 22px; border: 2px dashed var(--line-strong); border-radius: 18px; color: var(--muted); background: var(--paper); }
.calc__empty .icon { width: 40px; height: 40px; color: var(--gold-text); }
.calc__empty p { max-width: 34ch; }
.calc__alt { list-style: none; display: grid; gap: 6px; font-size: .9rem; color: var(--muted); }
.calc__alt li { padding-left: 14px; position: relative; }
.calc__alt li::before { content: ""; position: absolute; left: 0; top: .6em; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }
.calc__alt strong { color: var(--ink); white-space: nowrap; }
.calc__fact { display: flex; gap: 10px; font-size: .93rem; }
.calc__fact .icon { flex: none; width: 20px; height: 20px; color: var(--gold-text); margin-top: 2px; }
.calc__fact small { color: var(--muted); }
.calc__compare { font-size: .9rem; font-weight: 600; color: var(--navy); }
.calc__warn { display: flex; gap: 10px; padding: 12px 14px; border-radius: 12px; background: #FFF6E5; border: 1px solid #F1D08C; color: #6B4A07; font-size: .84rem; line-height: 1.5; }
.calc__warn .icon { flex: none; width: 18px; height: 18px; margin-top: 2px; }
.calc__tm { font-size: .74rem; color: var(--muted); margin-top: -8px; }
.calc__cta { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 16px; }
.calc__cta .cal-box { display: contents; }
.calc__cta .btn { white-space: normal; }
.calc__need { padding: 12px 14px; border-radius: 12px; background: var(--gold-soft); border: 1px solid rgba(225, 167, 48, .45); font-size: .9rem; }
@media (max-width: 520px) { .calc__cta .btn { width: 100%; } }
.bu-bar__em { background: #6F93CC; }
.dot--em { background: #6F93CC; }
.dot--bedarf { background: var(--mist); border: 1.5px dashed var(--navy); }
.dot--paid { background: rgba(0, 53, 122, .28); }
/* Rentenlücke: Säulen */
.rchart { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; align-items: end; height: 190px; padding: 0 clamp(8px, 4vw, 40px); border-bottom: 2px solid var(--line); }
.rchart__col { display: flex; flex-direction: column-reverse; height: 100%; }
.rchart__seg { display: block; width: 100%; transition: height .35s var(--ease); }
.rchart__seg--bedarf { background: repeating-linear-gradient(135deg, var(--mist) 0 6px, #E3E9F2 6px 12px); border: 1.5px dashed var(--navy); border-bottom: 0; border-radius: 10px 10px 0 0; }
.rchart__seg--rente { background: var(--navy); }
.rchart__seg--vorsorge { background: #6F93CC; }
.rchart__seg--luecke { background: var(--gold-gradient); border-radius: 10px 10px 0 0; }
.rchart__labels { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; padding: 0 clamp(8px, 4vw, 40px); margin-top: -8px; text-align: center; font-size: .82rem; font-weight: 600; color: var(--muted); }
/* Fondsrechner: Fläche */
.fchart { display: block; width: 100%; height: 200px; border-bottom: 2px solid var(--line); }
.fchart__value-area { fill: rgba(225, 167, 48, .22); }
.fchart__paid { fill: rgba(0, 53, 122, .28); }
.fchart__value { fill: none; stroke: var(--gold); stroke-width: 3; stroke-linejoin: round; }
/* Zweiter Hero-Button (Rechner) */
.cta-stack--calc { justify-items: stretch; }
.cta-stack--calc .btn { width: 100%; max-width: 360px; }
@media (min-width: 560px) { .cta-stack--calc { justify-items: start; } .cta-stack--calc .btn { min-width: 300px; width: auto; } }
/* Buttons in Fließtext-Bereichen: Textfarbe nicht von .prose a überschreiben lassen */
.prose a.btn { text-decoration: none; }
.prose a.btn-navy, .prose a.btn-navy:hover { color: #fff; }
.prose a.btn-gold, .prose a.btn-gold:hover { color: var(--navy-ink); }
.prose a.btn-outline { color: var(--navy); }
/* Startseite: Rechner-Links */
.calc-links { display: grid; gap: 14px; }
@media (min-width: 900px) { .calc-links { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.calc-link { display: grid; grid-template-columns: auto minmax(0, 1fr) auto; align-items: center; gap: 14px; padding: 18px 20px; border-radius: var(--radius-lg); border: 1px solid var(--line); background: var(--paper); color: var(--ink); text-decoration: none; box-shadow: var(--shadow-sm); transition: transform .2s var(--ease), border-color .2s var(--ease); }
.calc-link:hover { transform: translateY(-2px); border-color: var(--gold); }
.calc-link__ico { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--navy); color: var(--gold-light); }
.calc-link__ico .icon { width: 24px; height: 24px; }
.calc-link strong { display: block; font-size: 1.05rem; color: var(--navy); }
.calc-link small { display: block; color: var(--muted); font-size: .9rem; margin-top: 2px; }
.calc-link > .icon { width: 20px; height: 20px; color: var(--gold-text); }
/* Sachseite: Hinweis Wechselaktion */
.sach-aktion { display: grid; gap: 14px; align-items: center; margin-bottom: clamp(24px, 3vw, 36px); padding: clamp(18px, 3vw, 24px); border-radius: var(--radius-lg); background: var(--gold-soft); border: 1px solid rgba(225, 167, 48, .5); }
@media (min-width: 860px) { .sach-aktion { grid-template-columns: auto minmax(0, 1fr) auto; } }
.sach-aktion__ico { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--navy); color: var(--gold-light); }
.sach-aktion__ico .icon { width: 28px; height: 28px; }
.sach-aktion__title { font-weight: 700; color: var(--navy-ink); }
.sach-aktion p + p { font-size: .93rem; color: #5B4510; margin-top: 4px; }
.sach-aktion .btn { white-space: normal; }
/* Gewerbeseite: Ablauf */
.gew-steps { list-style: none; counter-reset: gs; display: grid; gap: 14px; margin-top: 1.2em; }
.gew-steps li { counter-increment: gs; display: grid; grid-template-columns: 38px minmax(0, 1fr); column-gap: 14px; }
.gew-steps li::before { content: counter(gs); grid-row: span 2; width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: var(--navy); color: var(--gold-light); font-weight: 700; }
.gew-steps strong { color: var(--ink); }
.gew-steps span { color: var(--muted); }