/* PKV-Lotse – Design 2.0. Grundsatz: weniger zeigen, größer schreiben, mehr Luft.
   Konzept: design/designer-konzept.md + design/ux-lesbarkeit.md. Mindestgröße 16 px (Ausnahme: Eyebrow 14 px in Versalien). */

@font-face { font-family: "Inter"; font-style: normal; font-weight: 100 900; font-display: swap; src: url(/fonts/inter-latin-ext-wght-normal.woff2) format("woff2"); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 100 900; font-display: swap; src: url(/fonts/inter-latin-wght-normal.woff2) format("woff2"); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Source Serif 4"; font-style: normal; font-weight: 200 900; font-display: swap; src: url(/fonts/source-serif-4-latin-ext-wght-normal.woff2) format("woff2"); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: "Source Serif 4"; font-style: normal; font-weight: 200 900; font-display: swap; src: url(/fonts/source-serif-4-latin-wght-normal.woff2) format("woff2"); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }

:root {
  --navy-900: #071a33;
  --navy: #0b2547;
  --navy-700: #1a3a66;
  --navy-500: #3d5a85;
  --navy-100: #e6ecf4;
  --gold: #c9a55a;
  --gold-600: #b48e42;
  --gold-text: #8a6a1f;
  --bg: #ffffff;
  --bg-warm: #f7f5f0;
  --line: #e4e1d9;
  --line-strong: #cfcac0;
  --line-navy: rgba(255, 255, 255, .16);
  --ink: #14213a;
  --muted: #4a5568;
  --on-navy-muted: #d3dbe7;
  --error: #a12a2a;

  --font-serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --fs-body: clamp(1.0625rem, 1rem + .25vw, 1.125rem);
  --fs-lead: clamp(1.1875rem, 1.1rem + .4vw, 1.375rem);
  --fs-eyebrow: .875rem;
  --fs-h1: clamp(2.25rem, 1.6rem + 2.6vw, 3.5rem);
  --fs-h2: clamp(1.75rem, 1.4rem + 1.5vw, 2.5rem);
  --fs-h3: clamp(1.25rem, 1.15rem + .4vw, 1.375rem);
  --fs-quote: clamp(1.5rem, 1.2rem + 1.2vw, 2.125rem);
  --measure: 65ch;

  --section-y: clamp(4rem, 2.5rem + 6vw, 7.5rem);
  --gutter: clamp(1.25rem, .8rem + 2vw, 2.5rem);
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 20px;
  --shadow-1: 0 1px 2px rgba(11, 37, 71, .05), 0 4px 16px rgba(11, 37, 71, .06);
  --shadow-2: 0 2px 4px rgba(11, 37, 71, .06), 0 24px 48px rgba(11, 37, 71, .12);
  --container: 1200px;
  --container-text: 760px;
  color-scheme: light;
}

/* ---------- Basis ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 96px; }
body { margin: 0; font: 400 var(--fs-body)/1.65 var(--font-sans); color: var(--ink); background: var(--bg); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-700); text-underline-offset: 4px; text-decoration-thickness: 1px; }
a:hover { color: var(--navy); text-decoration-thickness: 2px; }
h1, h2 { font-family: var(--font-serif); font-weight: 600; color: var(--navy); letter-spacing: -.01em; margin: 0 0 .5em; }
h1 { font-size: var(--fs-h1); line-height: 1.15; }
h2 { font-size: var(--fs-h2); line-height: 1.22; }
h3 { font: 600 var(--fs-h3)/1.3 var(--font-sans); color: var(--navy); margin: 0 0 .4em; }
p { margin: 0 0 1em; }
strong, b { font-weight: 600; }
ul, ol { padding-left: 1.25em; }
:focus-visible { outline: 3px solid var(--navy); outline-offset: 3px; border-radius: 4px; }
.final-cta :focus-visible, .band :focus-visible, .results :focus-visible, .footer :focus-visible { outline-color: var(--gold); }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 12px; top: -80px; background: var(--navy); color: #fff; padding: 12px 16px; border-radius: var(--r-sm); z-index: 100; }
.skip:focus { top: 12px; color: #fff; }

.wrap { width: 100%; max-width: calc(var(--container) + 2 * var(--gutter)); margin: 0 auto; padding: 0 var(--gutter); }
section { padding: var(--section-y) 0; }
.warm, .soft { background: var(--bg-warm); }
.center { text-align: center; }
.lead { font-size: var(--fs-lead); color: var(--muted); line-height: 1.55; }

.eyebrow { display: flex; align-items: center; gap: 12px; font: 600 var(--fs-eyebrow)/1.2 var(--font-sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-text); margin: 0 0 18px; }
.eyebrow::before { content: ""; width: 24px; height: 2px; background: var(--gold); flex: none; }
.section-head { max-width: var(--container-text); margin: 0 0 clamp(2rem, 1.5rem + 2vw, 3rem); }
.section-head p { font-size: var(--fs-lead); color: var(--muted); max-width: 46ch; margin: 0; line-height: 1.55; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head.center p { margin: 0 auto; }

/* ---------- Buttons & Links ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .6em; min-height: 56px; padding: 0 28px; border-radius: var(--r-sm); border: 0; font: 600 1.0625rem/1.2 var(--font-sans); text-decoration: none; cursor: pointer; transition: background .18s; text-align: center; }
.btn-navy, .btn-gold { background: var(--navy); color: #fff; }
.btn-navy:hover, .btn-gold:hover { background: var(--navy-700); color: #fff; }
/* Gold nur auf Navy-Flächen */
.final-cta .btn-gold, .band .btn-gold, .results .btn-gold { background: var(--gold); color: var(--navy); }
.final-cta .btn-gold:hover, .band .btn-gold:hover, .results .btn-gold:hover { background: var(--gold-600); color: var(--navy); }
.btn-ghost { background: #fff; color: var(--navy); border: 1.5px solid var(--line-strong); }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy); }
.text-link { font-weight: 600; color: var(--navy); }

/* ---------- Header ---------- */
.topbar { display: none; }
.header { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid var(--line); }
.header .wrap { display: flex; align-items: center; gap: 28px; height: 72px; }
@media (max-width: 1099px) { .header .wrap { height: 64px; gap: 10px; } }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); margin-right: auto; white-space: nowrap; }
.logo svg { flex: none; }
.logo > span { display: flex; align-items: center; }
.logo strong { font: 600 1.375rem/1 var(--font-sans); letter-spacing: -.01em; }
.logo small { display: none; font-size: .875rem; color: var(--muted); font-weight: 400; margin-left: 12px; padding-left: 12px; border-left: 1px solid var(--line); }
@media (min-width: 1360px) { .header .logo small { display: inline; } }
.nav { display: none; gap: 28px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: 1.0625rem; padding: 6px 0; border-bottom: 2px solid transparent; white-space: nowrap; }
.nav a:hover { color: var(--navy); border-bottom-color: var(--line-strong); }
.nav a[aria-current="page"] { color: var(--navy); border-bottom-color: var(--gold); }
.header-phone { display: none; align-items: center; gap: 8px; text-decoration: none; color: var(--navy); font-weight: 600; white-space: nowrap; }
.header-phone small { display: none; }
.header-cta { display: none !important; }
.menu-btn, .call-btn { display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: var(--r-sm); border: 1px solid var(--line-strong); background: #fff; color: var(--navy); cursor: pointer; }
@media (min-width: 1100px) {
  .nav { display: flex; }
  .header-phone { display: inline-flex; }
  .header-cta { display: inline-flex !important; min-height: 46px; padding: 0 20px; font-size: 1rem; }
  .menu-btn, .call-btn { display: none; }
}

.mobile-nav { position: fixed; inset: 0; z-index: 60; background: #fff; padding: 8px var(--gutter) 40px; overflow-y: auto; display: none; }
.mobile-nav.open { display: block; }
.mobile-nav .mn-head { display: flex; justify-content: space-between; align-items: center; height: 56px; margin-bottom: 8px; }
.mobile-nav a.mn-link { display: flex; align-items: center; min-height: 56px; font-size: 1.125rem; font-weight: 500; color: var(--ink); text-decoration: none; border-bottom: 1px solid var(--line); }
.mobile-nav .mn-group { font: 600 var(--fs-eyebrow)/1 var(--font-sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-text); margin: 28px 0 4px; }
.mobile-nav .btn { width: 100%; margin-top: 24px; }
.mobile-nav .btn + .btn { margin-top: 12px; }

/* ---------- Brotkrumen ---------- */
.crumbs { font-size: 1rem; color: var(--muted); padding-top: 16px; }
.crumbs ol { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 0 8px; }
.crumbs li + li::before { content: "›"; margin-right: 8px; color: var(--line-strong); }
.crumbs a { color: var(--muted); display: inline-block; padding: 10px 0; }
.crumbs li[aria-current] { padding: 10px 0; }

/* ---------- Häkchen-Listen (ein Stil für alles) ---------- */
.ticks, .checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.ticks li, .checks li { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; line-height: 1.5; max-width: var(--measure); }
.ticks svg, .checks svg { width: 22px; height: 22px; margin-top: 2px; color: var(--navy-500); }
.ticks svg circle, .checks svg circle { display: none; }
.ticks svg path, .checks svg path { stroke: currentColor; stroke-width: 2; }

/* ---------- Hero ---------- */
.hero { padding: clamp(2.5rem, 1.5rem + 4vw, 5rem) 0 clamp(3.5rem, 2rem + 5vw, 6rem); }
.hero-grid { display: grid; gap: 40px; align-items: start; }
.hero-grid > * { min-width: 0; }
@media (min-width: 1024px) { .hero-grid { grid-template-columns: minmax(0, 7fr) minmax(420px, 5fr); gap: 64px; } }
.hero h1 { margin-bottom: 20px; }
.hero .sub { font-size: var(--fs-lead); color: var(--muted); line-height: 1.5; max-width: 30ch; margin-bottom: 32px; }
.hero .checks { margin-bottom: 32px; }
.hero .checks li { font-size: 1.125rem; }
.hero-cta-mobile { margin: 0 0 32px; }
.hero-cta-mobile .btn { width: 100%; }
@media (min-width: 1024px) { .hero-cta-mobile { display: none; } }
.advisor-line { display: flex; align-items: center; gap: 16px; padding-top: 24px; border-top: 1px solid var(--line); max-width: 520px; }
.advisor-line img { width: 60px; height: 60px; border-radius: 50%; object-fit: cover; object-position: center 15%; flex: none; }
.advisor-line strong { display: block; color: var(--navy); font-size: 1.0625rem; }
.advisor-line span { display: block; color: var(--muted); font-size: 1rem; line-height: 1.4; }

/* ---------- Mini-Check (helle Karte) ---------- */
.lead-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-2); padding: 30px 22px 24px; position: relative; scroll-margin-top: 90px; }
@media (min-width: 720px) { .lead-card { padding: 38px 36px 30px; } }
.lead-card::before { content: ""; position: absolute; left: -1px; right: -1px; top: -1px; height: 6px; background: var(--navy); border-radius: var(--r-lg) var(--r-lg) 0 0; }
.lead-card > h2, .lead-card > h3 { font: 600 clamp(1.5rem, 1.3rem + .6vw, 1.75rem)/1.2 var(--font-serif); color: var(--navy); margin: 0 0 6px; }
.lead-card .lc-sub { color: var(--muted); font-size: 1rem; margin: 0 0 20px; }
.lead-card fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
.steps-bar { display: flex; gap: 6px; margin: 0 0 10px; }
.steps-bar span { height: 4px; flex: 1; border-radius: 4px; background: var(--line); }
.steps-bar span.on { background: var(--navy); }
.step-label { font-size: 1rem; color: var(--muted); margin: 0 0 6px; }
.lead-card .step-q { font: 600 1.25rem/1.3 var(--font-sans); color: var(--navy); padding: 0; margin: 0 0 14px; }
.lead-card label { display: block; font-size: 1rem; font-weight: 500; color: var(--ink); margin: 18px 0 8px; }
.lead-card .opt { font-weight: 400; color: var(--muted); }
.lead-card input, .lead-card select, .lead-card textarea { width: 100%; min-height: 56px; border-radius: var(--r-sm); border: 1.5px solid var(--line-strong); padding: 12px 14px; font: 400 1.125rem/1.3 var(--font-sans); color: var(--ink); background: #fff; }
.lead-card select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' fill='none' stroke='%230b2547' stroke-width='2'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 44px; }
.lead-card input:focus, .lead-card select:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px var(--navy-100); }
.lead-card [aria-invalid="true"] { border-color: var(--error); }
.field-error { display: block; color: var(--error); font-size: 1rem; margin-top: 8px; }
.lead-card .row2 { display: grid; gap: 0 16px; }
@media (min-width: 560px) { .lead-card .row2 { grid-template-columns: 1fr 1fr; } }
.lead-card .btn { width: 100%; margin-top: 24px; }
.lead-card .hint { display: block; font-size: 1rem; color: var(--muted); margin-top: 8px; }
.choices { display: grid; gap: 10px; }
.lead-card label.choice { display: grid; grid-template-columns: 24px 1fr; align-items: center; gap: 14px; margin: 0; min-height: 64px; padding: 12px 16px; border-radius: var(--r-md); border: 1.5px solid var(--line-strong); cursor: pointer; background: #fff; transition: border-color .15s, background .15s; }
.lead-card label.choice:hover { border-color: var(--navy-500); }
.choice input { width: 22px !important; min-height: 22px !important; height: 22px; margin: 0; accent-color: var(--navy); }
.choice strong { display: block; color: var(--navy); font-size: 1.0625rem; font-weight: 600; }
.choice small { display: block; color: var(--muted); font-size: 1rem; font-weight: 400; line-height: 1.35; }
.lead-card label.choice:has(input:checked) { border: 2px solid var(--navy); background: var(--navy-100); }
.unit { position: relative; }
.unit input { padding-right: 40px; }
.unit span { position: absolute; right: 16px; top: 28px; transform: translateY(-50%); color: var(--muted); font-size: 1.125rem; }
.summary { background: var(--bg-warm); border-radius: var(--r-sm); padding: 12px 14px; font-size: 1rem; color: var(--ink); margin-bottom: 14px; }
.mini-ticks { list-style: none; padding: 0; margin: 0 0 14px; display: grid; gap: 8px; font-size: 1rem; }
.mini-ticks li { display: grid; grid-template-columns: 20px 1fr; gap: 10px; line-height: 1.45; }
.mini-ticks svg { color: var(--navy-500); margin-top: 3px; width: 18px; height: 18px; }
.mini-ticks svg circle { display: none; }
.mini-ticks svg path { stroke: currentColor; stroke-width: 2.2; }
.lead-card .why { font-size: 1rem; color: var(--muted); margin: 0; }
.lead-card label.consent { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; font-size: 1rem; font-weight: 400; color: var(--muted); line-height: 1.5; margin-top: 20px; }
.lead-card .consent input { width: 22px; min-height: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--navy); }
.lead-back { display: block; width: 100%; min-height: 48px; margin-top: 8px; background: none; border: 0; color: var(--navy-700); font: 500 1rem var(--font-sans); text-decoration: underline; text-underline-offset: 4px; cursor: pointer; }
.lead-msg { display: none; border-radius: var(--r-sm); padding: 12px 14px; margin-top: 16px; font-size: 1rem; }
.lead-msg.err { display: block; background: #fbeeee; color: var(--error); }
.lead-card .safe { display: flex; gap: 8px; align-items: center; justify-content: center; font-size: 1rem; color: var(--muted); margin: 18px 0 0; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.js .lead-step:not(.active) { display: none; }

/* ---------- Nutzen (offene Spalten) ---------- */
.benefits { padding-top: 0; }
.benefits .inner { border-top: 1px solid var(--line); padding-top: var(--section-y); }
.cols3 { display: grid; gap: 32px; }
@media (min-width: 860px) { .cols3 { grid-template-columns: repeat(3, 1fr); gap: 56px; } }
.col svg { color: var(--navy-500); margin-bottom: 16px; }
.col h3 { margin-bottom: 8px; }
.col p { color: var(--muted); margin: 0; }
@media (max-width: 859px) { .col { display: grid; grid-template-columns: 36px 1fr; gap: 0 16px; } .col svg { grid-row: span 2; margin: 2px 0 0; } }

/* ---------- Was bleibt / was ändert sich ---------- */
.split { display: grid; gap: 40px; }
@media (min-width: 860px) { .split { grid-template-columns: 1fr 1fr; gap: 0; } .split > div:first-child { padding-right: 56px; border-right: 1px solid var(--line); } .split > div:last-child { padding-left: 56px; } }
.split h3 { margin-bottom: 20px; }
.after-link { margin: 40px 0 0; }

/* ---------- Schritte ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 36px; counter-reset: s; }
.steps li { position: relative; padding-left: 64px; }
.steps li::before { counter-increment: s; content: counter(s); position: absolute; left: 0; top: -6px; width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid var(--gold); background: #fff; color: var(--navy); font: 600 1.25rem/41px var(--font-serif); text-align: center; }
.steps li:not(:last-child)::after { content: ""; position: absolute; left: 22px; top: 44px; bottom: -32px; width: 1px; background: var(--line); }
.steps h3 { margin-bottom: 6px; }
.steps p { color: var(--muted); margin: 0; }
@media (min-width: 900px) {
  .steps { grid-template-columns: repeat(3, 1fr); gap: 56px; border-top: 1px solid var(--line); margin-top: 22px; }
  .steps li { padding: 44px 0 0; }
  .steps li::before { top: -23px; }
  .steps li:not(:last-child)::after { display: none; }
}
.warm .steps li::before, .soft .steps li::before { background: var(--bg-warm); }

/* ---------- Ergebnisse (Navy) ---------- */
.results { background: var(--navy); color: #fff; }
.results h2 { color: #fff; }
.results .eyebrow { color: var(--gold); }
.results .section-head p { color: var(--on-navy-muted); }
.case-grid { display: grid; gap: 20px; }
@media (min-width: 860px) { .case-grid { grid-template-columns: repeat(3, 1fr); } }
.case { background: #fff; color: var(--ink); border-radius: var(--r-md); padding: 28px; }
.case .amount { font: 600 2.25rem/1.1 var(--font-serif); color: var(--navy); }
.case .amount small { display: block; font: 400 1rem/1.4 var(--font-sans); color: var(--muted); margin-top: 6px; }
.case .who { font-weight: 600; color: var(--navy); margin-top: 18px; }
.case dl { display: grid; grid-template-columns: auto 1fr; gap: 6px 14px; font-size: 1rem; margin: 10px 0 0; color: var(--muted); }
.case dd { margin: 0; text-align: right; color: var(--ink); }
.case.placeholder { border: 2px dashed #c89b00; }
.disclaimer { font-size: 1rem; color: var(--on-navy-muted); margin: 28px 0 0; max-width: 70ch; }
.disclaimer a { color: #fff; }

/* ---------- Berater ---------- */
.advisor { display: grid; gap: 36px; align-items: center; }
@media (min-width: 900px) { .advisor { grid-template-columns: minmax(280px, 5fr) 7fr; gap: 72px; } }
.advisor-photo img { width: 100%; max-width: 420px; aspect-ratio: 3 / 4; object-fit: cover; object-position: center 20%; border-radius: var(--r-lg); }
@media (max-width: 899px) { .advisor-photo img { max-width: 100%; aspect-ratio: 5 / 4; object-position: center 22%; } }
.motto { margin: 8px 0 24px; padding: 0; border: 0; font: 500 var(--fs-quote)/1.3 var(--font-serif); color: var(--navy); max-width: 24ch; }
.motto::before { content: "\201C"; display: block; font: 600 4.5rem/.5 var(--font-serif); color: var(--gold); margin-bottom: 18px; }
.motto footer { font: 400 1rem/1.4 var(--font-sans); color: var(--muted); margin-top: 14px; }
.advisor-body > p { max-width: 58ch; }
.stats { display: flex; flex-wrap: wrap; gap: 20px 48px; margin: 28px 0; padding: 24px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.stats div strong { display: block; font: 600 2rem/1 var(--font-serif); color: var(--navy); }
.stats div span { display: block; color: var(--muted); font-size: 1rem; margin-top: 6px; max-width: 22ch; line-height: 1.4; }
.quals-line { color: var(--muted); font-size: 1rem; line-height: 1.6; margin-bottom: 20px; }

/* ---------- Vergütung ---------- */
.fee { display: grid; gap: 32px; align-items: start; }
@media (min-width: 900px) { .fee { grid-template-columns: 7fr 5fr; gap: 72px; } }
.fee .big { font-size: var(--fs-lead); line-height: 1.55; color: var(--ink); max-width: 40ch; }
.fee .big strong { color: var(--navy); }
.calc { border-top: 3px solid var(--gold); padding-top: 12px; }
.calc .row { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.calc .row span:last-child { font-weight: 600; color: var(--navy); white-space: nowrap; }
.calc p { color: var(--muted); font-size: 1rem; margin: 14px 0 0; }

/* ---------- FAQ ---------- */
.faq-wrap { max-width: var(--container-text); }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 68px; padding: 16px 0; font: 600 1.1875rem/1.4 var(--font-sans); color: var(--navy); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; flex: none; width: 32px; height: 32px; border-radius: 50%; border: 1.5px solid var(--line-strong); display: grid; place-items: center; font: 400 1.4rem/1 var(--font-sans); color: var(--navy); }
.faq details[open] summary::after { content: "−"; }
.faq .answer { padding: 0 0 24px; max-width: var(--measure); }
.faq .answer p:last-child { margin: 0; }
.faq h3 { margin-top: 2em; }

/* ---------- Abschluss-CTA ---------- */
.final-cta, .band { background: var(--navy); color: #fff; text-align: center; padding: var(--section-y) 0; }
.final-cta h2, .band h2 { color: #fff; }
.final-cta p, .band p { color: var(--on-navy-muted); font-size: var(--fs-lead); max-width: 40ch; margin: 0 auto 32px; }
.band .wrap { display: block; }
.final-cta .phone-link, .band .phone-link { display: block; margin-top: 20px; color: #fff; font-size: 1.0625rem; }

/* ---------- Inhaltsseiten ---------- */
.page-hero { padding: 8px 0 clamp(2rem, 1.5rem + 2vw, 3rem); }
.page-hero h1 { font-size: clamp(2rem, 1.5rem + 2vw, 3rem); margin-top: 20px; max-width: 24ch; }
.page-hero .lead { max-width: 60ch; }
.meta-line { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; color: var(--muted); font-size: 1rem; margin-top: 20px; }
.meta-line img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; object-position: center 15%; }
.content-grid { display: grid; gap: 48px; }
.content-grid > * { min-width: 0; }
@media (min-width: 1200px) { .content-grid { grid-template-columns: minmax(0, 720px) 320px; justify-content: space-between; } .sticky-aside { position: sticky; top: 104px; } }
@media (max-width: 1199px) { .sticky-aside { display: none; } }
.prose { max-width: 720px; overflow-wrap: break-word; }
.prose > * { max-width: var(--measure); }
.prose h2 { font-size: clamp(1.625rem, 1.35rem + 1.1vw, 2.125rem); margin: 64px 0 16px; }
.prose > h2:first-child, .prose .answer-box + h2 { margin-top: 0; }
.prose h3 { margin: 40px 0 10px; }
.prose p, .prose li { line-height: 1.7; }
.prose li { margin-bottom: .5em; }
.prose table { max-width: none; width: 100%; border-collapse: collapse; margin: 1.2em 0 2em; font-size: 1.0625rem; display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }
.prose th, .prose td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; min-width: 170px; }
.prose th { background: var(--bg-warm); color: var(--navy); font-weight: 600; }
.answer-box { background: var(--bg-warm); border-left: 3px solid var(--gold); border-radius: 0 var(--r-sm) var(--r-sm) 0; padding: 20px 24px; margin: 0 0 48px; }
.answer-box p:last-child { margin: 0; }
.note { background: var(--bg-warm); border: 1px solid var(--line); border-radius: var(--r-sm); padding: 18px 20px; font-size: 1.0625rem; }
.author-box { display: grid; grid-template-columns: 72px 1fr; gap: 18px; align-items: start; border-top: 1px solid var(--line); padding-top: 28px; margin-top: 56px; }
.author-box img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; object-position: center 15%; }
.author-box p { margin: 4px 0 0; font-size: 1rem; color: var(--muted); }
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); box-shadow: var(--shadow-1); padding: 28px; }
.aside-card img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: center 15%; margin-bottom: 16px; }
.aside-card h2 { font: 600 1.375rem/1.3 var(--font-serif); margin-bottom: 8px; }
.aside-card p { color: var(--muted); font-size: 1rem; }
.aside-card .btn { width: 100%; }
.aside-card .phone { display: block; text-align: center; margin-top: 14px; font-weight: 600; }
.toc { margin-top: 28px; padding-left: 0; list-style: none; border-left: 1px solid var(--line); }
.toc a { display: block; padding: 6px 0 6px 16px; color: var(--muted); text-decoration: none; font-size: 1rem; line-height: 1.4; }
.toc a:hover { color: var(--navy); }
.inline-cta { background: var(--bg-warm); border-left: 3px solid var(--gold); padding: 18px 22px; margin: 40px 0; border-radius: 0 var(--r-sm) var(--r-sm) 0; }
.inline-cta p { margin: 0; }
@media (min-width: 1200px) { .inline-cta { display: none; } }
.form-section .wrap { display: grid; gap: 40px; align-items: start; }
@media (min-width: 1024px) { .form-section .wrap { grid-template-columns: minmax(0, 6fr) minmax(420px, 5fr); gap: 72px; } }
.form-section h2 { max-width: 18ch; }
.form-section .lead { max-width: 40ch; margin-bottom: 28px; }

/* Karten (Ratgeber-Übersicht, Beispiele) */
.card-grid { display: grid; gap: 20px; }
@media (min-width: 720px) { .card-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .card-grid.three { grid-template-columns: repeat(3, 1fr); } }
.card { display: block; background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 28px; text-decoration: none; color: var(--ink); }
a.card { box-shadow: var(--shadow-1); transition: border-color .18s; }
a.card:hover { border-color: var(--navy-500); color: var(--ink); }
.card h3 { margin-bottom: 8px; display: flex; gap: 10px; align-items: center; }
.card p { color: var(--muted); margin: 0; }
.card .more { display: inline-block; margin-top: 16px; color: var(--navy); font-weight: 600; }
.box { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 28px; }
.box h3 { display: flex; gap: 10px; align-items: center; }
.box h3 svg { color: var(--navy-500); flex: none; }
.box p { color: var(--muted); margin: 0; }
.cta-box { background: var(--bg-warm); border-radius: var(--r-md); padding: 28px; }
.cta-box .btn { width: 100%; margin-top: 12px; }
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 28px; }
.contact-list h3 { margin-bottom: 4px; display: flex; gap: 10px; align-items: center; }
.contact-list h3 svg { color: var(--navy-500); }
.contact-list p { margin: 0; color: var(--muted); }
.contact-list a { font-size: 1.125rem; font-weight: 600; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: var(--on-navy-muted); font-size: 1rem; padding: 64px 0 32px; }
.footer a { color: #fff; text-decoration: none; display: inline-block; padding: 7px 0; }
.footer a:hover { text-decoration: underline; }
.footer-grid { display: grid; gap: 36px 24px; grid-template-columns: 1fr 1fr; }
.footer-grid > div:first-child { grid-column: 1 / -1; }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; } .footer-grid > div:first-child { grid-column: auto; } }
.footer h2 { font: 600 1rem/1.3 var(--font-sans); color: #fff; margin: 0 0 10px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; }
.footer .logo { color: #fff; margin-bottom: 16px; }
.footer .logo small { display: none; }
.footer p { max-width: 38ch; line-height: 1.6; }
.footer-bottom { border-top: 1px solid var(--line-navy); margin-top: 48px; padding-top: 20px; display: flex; flex-wrap: wrap; gap: 12px 28px; justify-content: space-between; font-size: 1rem; }
.footer-bottom nav { display: flex; flex-wrap: wrap; gap: 0 24px; }

/* ---------- Mobile CTA-Leiste ---------- */
.mobile-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; display: grid; grid-template-columns: auto 1fr; gap: 10px; padding: 8px 12px calc(8px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--line); opacity: 0; transform: translateY(100%); transition: transform .18s, opacity .18s; pointer-events: none; }
.mobile-cta.show { opacity: 1; transform: none; pointer-events: auto; }
.mobile-cta .btn { min-height: 56px; padding: 0 16px; white-space: nowrap; }
@media (min-width: 1024px) { .mobile-cta { display: none; } }
@media (max-width: 1023px) { body { padding-bottom: 80px; } }

/* ---------- Platzhalter (nur Vorschau) ---------- */
.ph { background: #fff6d6; color: #5c4400; border-bottom: 1px dashed #c89b00; padding: 0 3px; }

/* ---------- Consent-Banner ---------- */
.consent-banner { position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 80; max-width: 560px; background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); box-shadow: var(--shadow-2); padding: 24px; font-size: 1rem; overflow-wrap: anywhere; }
.consent-banner h2 { font: 600 1.375rem/1.3 var(--font-serif); margin-bottom: 8px; }
.consent-banner p { color: var(--muted); margin-bottom: 16px; }
.consent-banner .cb-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.consent-banner .btn { min-height: 52px; padding: 0 14px; font-size: 1rem; white-space: normal; }
.consent-banner .cb-more { grid-column: 1 / -1; min-height: 44px; background: none; border: 0; color: var(--navy-700); text-decoration: underline; font: inherit; cursor: pointer; }
.consent-banner [hidden] { display: none !important; }
.consent-banner .cb-opts { display: grid; gap: 12px; margin: 0 0 16px; }
.consent-banner .cb-opts label { display: grid; grid-template-columns: 22px 1fr; gap: 12px; }
.consent-banner .cb-opts input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--navy); }
@media (min-width: 720px) { .consent-banner { left: 24px; bottom: 24px; } }
@media (max-width: 1023px) { .consent-banner { bottom: 88px; } }

/* ---------- Ältere Bausteine aus Unterseiten, an neue Optik angepasst ---------- */
.feature-grid, .trust-row, .channels, .quals, .advisor-stats { display: none; }
.compare { display: grid; gap: 20px; }
.stat strong { font: 600 2rem/1 var(--font-serif); color: var(--navy); display: block; }
.stat span { color: var(--muted); font-size: 1rem; }

@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; } }
.form-section-grid { display: grid; gap: 48px; align-items: start; }
@media (min-width: 1024px) { .form-section-grid { grid-template-columns: minmax(420px, 6fr) 5fr; gap: 72px; } }
.header-cta, .header-phone, .nav a { white-space: nowrap; }
.header .logo small { display: none !important; }
@media (min-width: 1560px) { .header .logo small { display: inline !important; } }
@media (min-width: 1100px) and (max-width: 1259px) { .nav { gap: 20px; } .header-phone { display: none; } }
html, body { overflow-x: clip; }

/* ---------- Logo (nach Kunden-Logo) ---------- */
.wordmark { display: inline-flex; align-items: center; font-family: var(--font-sans); font-size: 1.5rem; line-height: 1; color: var(--navy); letter-spacing: .02em; white-space: nowrap; }
.wordmark b { font-weight: 800; letter-spacing: 0; }
.wordmark i { display: inline-block; width: .42em; height: .1em; background: var(--gold); margin: 0 .08em; }
.wordmark { font-weight: 300; }
.logo svg circle[fill="#fff"] { fill: #fff; }
.logo-footer .wordmark { color: #fff; }
.logo-footer svg circle:first-child, .logo-footer svg path:nth-of-type(1) { stroke: #fff; }
.logo-footer svg path:nth-of-type(3) { fill: #fff; }
.logo-footer svg circle:nth-of-type(2) { stroke: var(--navy-900); }
.logo-stack { display: flex; flex-direction: column; gap: 8px; }
.logo-stack .claim { font-size: .8125rem; letter-spacing: .14em; text-transform: uppercase; color: var(--on-navy-muted); white-space: normal; line-height: 1.5; }
@media (max-width: 380px) { .header .wordmark { font-size: 1.3rem; } }

/* ---------- Mini-Check: Chips, Unterfragen, nächste Schritte ---------- */
.lead-card fieldset.sub { margin-top: 20px; }
.lead-card fieldset.sub > legend { font-size: 1rem; font-weight: 500; color: var(--ink); padding: 0; margin-bottom: 10px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.lead-card label.chip { position: relative; display: inline-flex; margin: 0; cursor: pointer; }
.chip input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.chip span { display: inline-flex; align-items: center; min-height: 48px; padding: 0 16px; border: 1.5px solid var(--line-strong); border-radius: 999px; font-size: 1rem; color: var(--ink); background: #fff; transition: border-color .15s, background .15s; }
.chip:hover span { border-color: var(--navy-500); }
.chip input:checked + span { border: 2px solid var(--navy); background: var(--navy-100); color: var(--navy); font-weight: 600; }
.chip input:focus-visible + span { outline: 3px solid var(--navy); outline-offset: 2px; }
.chips[aria-invalid="true"] .chip span { border-color: var(--error); }
.lead-card .choice { grid-template-columns: 24px 1fr; }
.lead-card .choice strong { font-weight: 500; }
.lead-card .choice:has(input:checked) strong { font-weight: 600; }
.next-list { margin: 0 0 16px; padding-left: 1.4em; display: grid; gap: 8px; font-size: 1rem; line-height: 1.5; color: var(--ink); }
.soft-hint { background: var(--gold-soft, #f4eddc); border-radius: var(--r-sm); padding: 12px 14px; font-size: 1rem; color: var(--ink); margin: 0 0 8px; }
.lead-card .why { display: flex; gap: 8px; align-items: flex-start; margin-top: 18px; }
.lead-card .why svg { flex: none; margin-top: 3px; color: var(--navy-500); }
.call-alt { text-align: center; font-size: 1rem; color: var(--muted); margin: 14px 0 0; }
.call-alt a { font-weight: 600; white-space: nowrap; }
.if-other[hidden] { display: none; }
.header-lp .wrap { justify-content: space-between; }
.header-lp .lp-phone { display: inline-flex; }
@media (max-width: 1099px) { .header-lp .lp-phone span { display: none; } .header-lp .lp-phone { width: 48px; height: 48px; justify-content: center; border: 1px solid var(--line-strong); border-radius: var(--r-sm); } }
.footer-lp { padding: 32px 0; }
.todo-box { background: #fff; border: 1px solid var(--line); border-radius: var(--r-md); padding: 28px; }
.todo-box h3 { margin-bottom: 14px; }
@media (min-width: 900px) { .steps.steps-vertical { grid-template-columns: 1fr; gap: 28px; border-top: 0; margin-top: 0; } .steps.steps-vertical li { padding: 0 0 0 64px; } .steps.steps-vertical li::before { top: -6px; } }
@media (max-width: 599px) { .prose th, .prose td { min-width: 0; padding: 12px 10px; } .prose table { display: table; font-size: 1rem; } }