/* ============================================================
   vorsorgeinfo-schweiz.ch – Allianz Generalagentur Chur
   ============================================================ */

/* Allianz Neo – offizielle CI-Schrift (lizenzierte Kundenfonts) */
@font-face {
  font-family: 'Allianz Neo';
  src: url('/assets/fonts/allianz-neo-regular.woff2') format('woff2');
  font-weight: 300 500;
  font-display: swap;
}
@font-face {
  font-family: 'Allianz Neo';
  src: url('/assets/fonts/allianz-neo-semibold.woff2') format('woff2');
  font-weight: 600 800;
  font-display: swap;
}

:root {
  --blue: #003781;
  --blue-dark: #00275e;
  --blue-mid: #007ab3;      /* Allianz CI: Button-/Aktionsfarbe */
  --petrol-dark: #006192;   /* Allianz CI: dunkle Hintergründe & Button-Hover */
  --blue-soft: #eaf1f9;
  --blue-softer: #f4f8fc;
  --navy: #0e2249;
  --ink: #16263f;
  --slate: #4c5d76;
  --slate-light: #7b8aa0;
  --line: #e2e9f2;
  --white: #fff;
  --green: #2e9e5b;
  --green-bg: #e9f6ee;
  --purple: #7c5cd6;
  --purple-bg: #f1edfb;
  --orange: #e8823c;
  --orange-bg: #fdf1e7;
  --gold: #f5a623;
  --red: #d23f3f;
  --radius: 0;
  --radius-sm: 0;
  --shadow-sm: 0 1px 2px rgba(14, 34, 73, .05), 0 4px 14px rgba(14, 34, 73, .06);
  --shadow-md: 0 2px 6px rgba(14, 34, 73, .06), 0 14px 34px rgba(14, 34, 73, .1);
  --shadow-lg: 0 6px 16px rgba(14, 34, 73, .1), 0 26px 60px rgba(14, 34, 73, .16);
  --font-body: 'Allianz Neo', -apple-system, 'Segoe UI', sans-serif;
  --font-display: 'Allianz Neo', -apple-system, 'Segoe UI', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: var(--blue-mid); }

h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.15;
  margin: 0 0 .5em;
  letter-spacing: -.015em;
}
h1 { font-size: clamp(2.1rem, 4.6vw, 3.3rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }
h4 { font-size: 1.15rem; font-weight: 700; }
h5 { font-size: 1rem; font-weight: 700; }

.container { width: min(1180px, 100% - 2.5rem); margin-inline: auto; }
.sr-only {
  position: absolute; width: 1px; height: 1px; margin: -1px;
  clip-path: inset(50%); overflow: hidden; white-space: nowrap;
}
.skip-link {
  position: fixed; top: -60px; left: 16px; z-index: 200;
  background: var(--blue); color: #fff; padding: .6rem 1rem;
  border-radius: 0; transition: top .2s;
}
.skip-link:focus { top: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font: 600 .95rem/1.2 var(--font-body);
  text-transform: uppercase; letter-spacing: .05em;
  padding: .9rem 1.6rem;
  border-radius: 0;
  border: 1.5px solid transparent;
  cursor: pointer; text-decoration: none;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s;
}
.btn svg { width: 19px; height: 19px; flex: none; }
.btn-primary { background: var(--blue-mid); color: #fff; box-shadow: 0 8px 20px rgba(0, 122, 179, .28); }
.btn-primary:hover { background: var(--petrol-dark); transform: translateY(-1px); box-shadow: 0 10px 24px rgba(0, 97, 146, .36); }
.btn-primary:active { transform: translateY(0); }
.btn-outline { background: #fff; color: var(--blue-mid); border-color: var(--blue-mid); }
.btn-outline:hover { background: var(--blue-soft); }
.btn-ghost { background: transparent; color: var(--slate); border-color: var(--line); text-transform: none; letter-spacing: 0; }
.btn-ghost:hover { background: var(--blue-softer); color: var(--navy); }
.btn-lg { padding: 1.1rem 2rem; font-size: 1rem; }
.btn-sm { padding: .6rem 1.05rem; font-size: .8rem; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .6; pointer-events: none; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid transparent;
  transition: border-color .2s, box-shadow .2s;
}
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 4px 20px rgba(14, 34, 73, .06); }
.header-inner { display: flex; align-items: center; gap: 2rem; min-height: 76px; }
.brand { display: flex; align-items: center; gap: .8rem; text-decoration: none; }
.brand img { height: 26px; width: auto; }
.brand-sep { width: 1px; height: 30px; background: var(--line); }
.brand-sub {
  font: 600 .68rem/1.25 var(--font-body); color: var(--slate);
  text-transform: uppercase; letter-spacing: .06em;
}
.main-nav { display: flex; gap: 1.7rem; margin-inline: auto; }
.main-nav a {
  font: 500 .95rem/1 var(--font-body); color: var(--ink);
  text-decoration: none; padding: .5rem 0; position: relative;
}
.main-nav a::after {
  content: ""; position: absolute; left: 0; right: 100%; bottom: 0;
  height: 2px; background: var(--blue-mid); transition: right .2s ease;
}
.main-nav a:hover::after { right: 0; }
.header-right { display: flex; align-items: center; gap: 1rem; margin-left: auto; }
.phone-card {
  display: flex; align-items: center; gap: .65rem;
  background: #fff; border: 1px solid var(--line); border-radius: 0;
  padding: .5rem .95rem; text-decoration: none;
  box-shadow: var(--shadow-sm); transition: box-shadow .15s, transform .15s;
}
.phone-card:hover { box-shadow: var(--shadow-md); transform: translateY(-1px); }
.phone-icon {
  width: 34px; height: 34px; border-radius: 0;
  background: var(--blue-soft); color: var(--blue);
  display: grid; place-items: center; flex: none;
}
.phone-icon svg { width: 18px; height: 18px; }
.phone-text { display: flex; flex-direction: column; line-height: 1.2; }
.phone-text strong { color: var(--navy); font-size: .95rem; }
.phone-text small { color: var(--slate-light); font-size: .7rem; }
.nav-toggle {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: 0; padding: .5rem; cursor: pointer;
}
.nav-toggle span { width: 22px; height: 2px; background: var(--navy); border-radius: 0; transition: .2s; }
.mobile-nav { display: none; }

/* ---------- Hero ---------- */
.hero { padding: 3.5rem 0 2rem; overflow: hidden; }
.hero-grid {
  display: grid; grid-template-columns: 1.05fr .95fr;
  gap: 3rem; align-items: center;
}
.eyebrow {
  font: 600 .78rem/1 var(--font-body); letter-spacing: .12em;
  text-transform: uppercase; color: var(--blue-mid); margin: 0 0 1rem;
}
.hero h1 { margin-bottom: .35em; }
.hero-sub {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(1.1rem, 2vw, 1.4rem); color: var(--blue-mid); margin: 0 0 1rem;
}
.hero-text { color: var(--slate); max-width: 46ch; margin: 0 0 1.6rem; }
.hero-badges {
  display: flex; gap: 1.6rem; list-style: none; padding: 0; margin: 0 0 1.8rem;
}
.hero-badges li {
  display: flex; align-items: center; gap: .6rem;
  font: 600 .8rem/1.3 var(--font-body); color: var(--navy);
}
.badge-ic {
  width: 42px; height: 42px; border-radius: 0; flex: none;
  background: var(--blue-soft); color: var(--blue);
  display: grid; place-items: center;
  box-shadow: inset 0 0 0 1px rgba(0, 55, 129, .08);
}
.badge-ic svg { width: 21px; height: 21px; }
.hero-cta { margin-bottom: 1rem; }
.hero-micro {
  display: flex; flex-wrap: wrap; gap: 1.2rem; list-style: none; padding: 0; margin: 0;
}
.hero-micro li {
  font: 500 .82rem/1 var(--font-body); color: var(--slate);
  display: flex; align-items: center; gap: .4rem;
}
.hero-micro li::before {
  content: ""; width: 15px; height: 15px; flex: none;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='m5 12.5 4.5 4.5L19 7' stroke='%232e9e5b' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
}
.hero-visual { position: relative; }
.hero-img {
  margin: 0; border-radius: 0; overflow: hidden; box-shadow: var(--shadow-lg);
  aspect-ratio: 3 / 2; background: linear-gradient(135deg, #d8e6f5, #9db8d8);
}
.hero-img img { width: 100%; height: 100%; object-fit: cover; }
.hero-float {
  position: absolute; left: -1.6rem; bottom: -1.4rem;
  background: #fff; border-radius: 0; padding: 1.1rem 1.4rem;
  box-shadow: var(--shadow-lg); border: 1px solid var(--line);
  max-width: 240px;
}
.hf-title { font: 700 .85rem/1.35 var(--font-display); color: var(--navy); margin: 0 0 .5rem; }
.hf-lead { margin: 0; font-size: .72rem; color: var(--slate-light); }
.hf-amount {
  font: 800 1.65rem/1.1 var(--font-display); color: var(--blue); margin: 0;
  letter-spacing: -.01em;
}
.hf-amount span { color: var(--slate-light); font-size: 1rem; }
.hf-note { margin: .15rem 0 0; font-size: .74rem; color: var(--slate); padding-right: 3.4rem; }
.hf-bars { position: absolute; right: 1.1rem; bottom: 1rem; display: flex; gap: 4px; align-items: flex-end; }
.hf-bars i { width: 7px; border-radius: 0; background: var(--blue-soft); display: block; }
.hf-bars i:nth-child(1) { height: 12px; }
.hf-bars i:nth-child(2) { height: 20px; background: var(--blue-mid); }
.hf-bars i:nth-child(3) { height: 28px; background: var(--blue); }
.hero-footnote { font-size: .72rem; color: var(--slate-light); margin-top: 2.6rem; }

/* ---------- Funnel ---------- */
.funnel-section { padding: 4rem 0 4.5rem; background: var(--blue-softer); }
.funnel-section .section-head { margin-bottom: 2rem; }
.funnel-card {
  background: #fff; border: 1px solid var(--line);
  border-top: 4px solid var(--blue-mid);
  box-shadow: var(--shadow-md); padding: clamp(1.3rem, 3.5vw, 2.6rem);
  scroll-margin-top: 100px;
}
.funnel-head { margin-bottom: 2rem; }
.steps {
  display: flex; list-style: none; padding: 0; margin: 0 auto;
  max-width: 660px; counter-reset: step;
}
.step-current {
  display: none; text-align: center; margin: .9rem 0 0;
  font: 600 .88rem/1.3 var(--font-body); color: var(--navy);
}
.step {
  flex: 1; display: flex; flex-direction: column; align-items: center; gap: .45rem;
  position: relative; text-align: center;
}
.step:not(:last-child)::after {
  content: ""; position: absolute; top: 16px; left: calc(50% + 24px);
  width: calc(100% - 48px); height: 2px; background: var(--line);
}
.step.is-done:not(:last-child)::after { background: var(--blue-mid); }
.step-dot {
  width: 33px; height: 33px; border-radius: 0;
  display: grid; place-items: center;
  font: 700 .85rem/1 var(--font-body);
  background: #fff; color: var(--slate-light);
  border: 2px solid var(--line); transition: .2s;
  position: relative; z-index: 1;
}
.step.is-active .step-dot { background: var(--blue-mid); border-color: var(--blue-mid); color: #fff; box-shadow: 0 0 0 5px var(--blue-soft); }
.step.is-done .step-dot { background: var(--blue-mid); border-color: var(--blue-mid); color: #fff; }
.step-label { font: 500 .72rem/1.2 var(--font-body); color: var(--slate-light); }
.step.is-active .step-label { color: var(--navy); font-weight: 600; }

.fstep { display: none; border: 0; padding: 0; margin: 0; }
.fstep.is-active { display: block; animation: fadeUp .35s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.fgrid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.1rem 1.4rem; }
.field { display: flex; flex-direction: column; gap: .4rem; }
.field-wide { grid-column: 1 / -1; }
.field label { font: 600 .84rem/1.2 var(--font-body); color: var(--navy); }
.field label small { color: var(--slate-light); font-weight: 500; }
.req { color: var(--red); }
.field input:not([type="checkbox"]):not([type="range"]),
.field select, .field textarea {
  /* 16px verhindert den automatischen Zoom von iOS Safari beim Fokussieren */
  font: 400 16px/1.4 var(--font-body); color: var(--ink);
  padding: .78rem .95rem; border: 1.5px solid var(--line); border-radius: 0;
  background: #fff; width: 100%; transition: border-color .15s, box-shadow .15s;
}
.field select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='m6 9 6 6 6-6' stroke='%234c5d76' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .8rem center; background-size: 18px;
  padding-right: 2.4rem;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue-mid); box-shadow: 0 0 0 4px rgba(0, 97, 146, .14);
}
.field .is-invalid { border-color: var(--red) !important; }
.field-err { font-size: .76rem; color: var(--red); margin: 0; }
.check { display: flex; gap: .7rem; align-items: flex-start; font-weight: 400 !important; }
.check input { width: 19px; height: 19px; margin-top: 2px; accent-color: var(--blue); flex: none; }
.check span { font-size: .84rem; color: var(--slate); line-height: 1.5; }
.fnav {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; margin-top: 1.8rem; flex-wrap: wrap;
}
.fnav .btn:last-child { margin-left: auto; }
.fnav-note {
  display: inline-flex; align-items: center; gap: .45rem;
  font-size: .8rem; color: var(--slate-light);
}
.fnav-note svg { width: 16px; height: 16px; }
.fnav-note.center { justify-content: center; width: 100%; margin-top: 1rem; }
.fstep-q { font: 700 1rem/1.4 var(--font-display); color: var(--navy); margin: 0 0 1rem; }
.fstep-q small { color: var(--slate-light); font-weight: 500; font-family: var(--font-body); }
.fstep-q + .goal-grid, .risk-row { margin-bottom: 1.6rem; }

.goal-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .9rem; }
.goal {
  position: relative; display: flex; align-items: center; gap: .7rem;
  border: 1.5px solid var(--line); border-radius: 0;
  padding: .9rem 1rem; cursor: pointer; background: #fff;
  transition: border-color .15s, background .15s, box-shadow .15s;
  font: 600 .9rem/1.3 var(--font-body); color: var(--navy);
}
.goal:hover { border-color: var(--blue-mid); }
.goal input { position: absolute; opacity: 0; }
.goal-ic {
  width: 38px; height: 38px; flex: none;
  background: var(--blue-soft); color: var(--blue-mid);
  display: grid; place-items: center;
}
.goal-ic svg { width: 20px; height: 20px; }
.goal:has(input:checked) .goal-ic { background: var(--blue-mid); color: #fff; }
.goal:has(input:checked) {
  border-color: var(--blue-mid); background: var(--blue-soft);
  box-shadow: 0 0 0 1px var(--blue-mid);
}
.goal:has(input:focus-visible) { box-shadow: 0 0 0 4px rgba(0, 97, 146, .2); }
.risk-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: .9rem; }
.risk {
  position: relative; border: 1.5px solid var(--line); border-radius: 0;
  padding: .85rem 1rem; cursor: pointer; text-align: center; background: #fff;
  transition: border-color .15s, background .15s, box-shadow .15s;
}
.risk input { position: absolute; opacity: 0; }
.risk strong { display: block; font-size: .92rem; color: var(--navy); }
.risk small { color: var(--slate-light); font-size: .76rem; }
.risk:has(input:checked) { border-color: var(--blue-mid); background: var(--blue-soft); box-shadow: 0 0 0 1px var(--blue-mid); }

/* Empfehlung (Schritt 3) */
.reco-title {
  font-size: 1.25rem; margin-bottom: 1.2rem; padding-bottom: .8rem;
  border-bottom: 3px solid var(--blue-mid); display: inline-block;
}
.reco-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; margin-bottom: 1.2rem; }
.reco-tile {
  border: 1px solid var(--line); border-left: 4px solid var(--blue-mid);
  padding: 1.15rem 1.3rem; background: var(--blue-softer);
}
.reco-tile.hl { background: var(--petrol-dark); border-color: var(--petrol-dark); }
.reco-tile small { font-size: .76rem; color: var(--slate); display: block; margin-bottom: .2rem; }
.reco-tile.hl small { color: #b8cbe6; }
.reco-tile strong { font: 800 1.5rem/1.15 var(--font-display); color: var(--navy); letter-spacing: -.01em; }
.reco-tile.hl strong { color: #fff; }
.reco-tile .sub { font-size: .76rem; color: var(--slate-light); margin-top: .25rem; display: block; }
.reco-tile.hl .sub { color: #b8cbe6; }
.reco-cover { margin: 1.4rem 0 .4rem; }
.reco-cover h5 { margin-bottom: .8rem; }
.cover-bar { margin-bottom: .75rem; }
.cover-bar .cb-label {
  display: flex; justify-content: space-between;
  font-size: .78rem; color: var(--slate); margin-bottom: .3rem;
}
.cover-bar .cb-track { height: 12px; border-radius: 0; background: var(--blue-soft); overflow: hidden; }
.cover-bar .cb-fill { height: 100%; border-radius: 0; background: var(--blue-mid); transition: width .8s cubic-bezier(.2,.7,.3,1); }
.cover-bar.ziel .cb-fill { background: var(--green); }
.reco-chips { display: flex; flex-wrap: wrap; gap: .55rem; margin: 1rem 0 .4rem; }
.reco-chips .chip {
  font: 600 .8rem/1 var(--font-body); color: var(--blue);
  background: var(--blue-soft); border: 1px solid rgba(0, 55, 129, .15);
  padding: .5rem .8rem; border-radius: 0;
}
.reco-disclaimer { font-size: .74rem; color: var(--slate-light); margin: 1rem 0 0; }

/* Kontakt-Schritt: transparenter Hinweis, was die Auswertung enthält */
.deliver-box {
  background: var(--blue-soft); border: 1px solid rgba(0, 97, 146, .18);
  padding: 1rem 1.2rem; margin: 0 0 1.5rem;
}
.deliver-box > p { margin: 0; font-size: .9rem; color: var(--ink); }
.deliver-list {
  display: flex; flex-wrap: wrap; gap: .45rem 1.4rem;
  list-style: none; padding: 0; margin: .7rem 0 0;
}
.deliver-list li {
  display: flex; align-items: center; gap: .45rem;
  font: 600 .85rem/1.3 var(--font-body); color: var(--navy);
}
.deliver-list li::before {
  content: ""; width: 15px; height: 15px; flex: none;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='m5 12.5 4.5 4.5L19 7' stroke='%232e9e5b' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
}

/* Danke-Seite */
.danke-main { padding: 3rem 0 4rem; background: var(--blue-softer); min-height: 60vh; }
.danke-card {
  background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--blue-mid);
  box-shadow: var(--shadow-md); padding: clamp(1.6rem, 4vw, 2.8rem);
  max-width: 880px; margin-inline: auto;
}
.danke-head { text-align: center; max-width: 540px; margin-inline: auto; }
.danke-head h1 { font-size: clamp(1.6rem, 3vw, 2.1rem); }
.danke-head p { color: var(--slate); }
.danke-actions { text-align: center; margin-top: 2rem; }
.danke-actions .success-phone { margin-top: 1rem; }

/* Volle Auswertung auf der Danke-Seite */
.success-reco {
  text-align: left; border-top: 1px solid var(--line);
  margin-top: 1.8rem; padding-top: 1.8rem;
}
.success-mail {
  display: inline-block; background: var(--green-bg); color: #1d6b3d;
  font-size: .86rem; padding: .55rem .95rem; margin: 0 0 .8rem;
}

/* Erfolg */
.fstep-success .success-inner { text-align: center; padding: 2.5rem 1rem; max-width: 520px; margin-inline: auto; }
.success-ic { color: var(--green); display: inline-block; margin-bottom: 1rem; }
.success-ic svg { width: 64px; height: 64px; }
.fstep-success h3 { font-size: 1.6rem; }
.fstep-success p { color: var(--slate); }
.success-phone { font-size: .82rem; color: var(--slate-light) !important; }
.success-phone a { font-weight: 600; color: var(--slate); text-decoration: none; }
.form-error {
  background: #fdecec; color: var(--red); border: 1px solid #f2c6c6;
  border-radius: 0; padding: .8rem 1rem; font-size: .88rem; margin: 1rem 0 0;
}
.hp-field { position: absolute !important; left: -9999px !important; opacity: 0; height: 0; overflow: hidden; }

/* ---------- Sections ---------- */
.section-head { text-align: center; max-width: 680px; margin: 0 auto 2.6rem; }
.section-head p { color: var(--slate); margin: 0; }
.section-eyebrow {
  font: 600 .78rem/1 var(--font-body) !important;
  text-transform: uppercase; letter-spacing: .16em;
  color: var(--blue-mid) !important; margin: 0 0 .7rem !important;
}
.inline-cta {
  text-align: center; margin-top: 2.6rem; padding: 2.2rem 1.5rem;
  background: var(--petrol-dark); color: #fff;
}
.inline-cta h3 { color: #fff; font-size: 1.3rem; margin-bottom: 1.2rem; }
.arrow-link {
  display: inline-flex; align-items: center; gap: .45rem;
  font: 600 .82rem/1 var(--font-body); letter-spacing: .06em;
  text-transform: uppercase; color: var(--blue-mid); text-decoration: none;
}
.arrow-link svg { width: 17px; height: 17px; transition: transform .15s; }
.arrow-link:hover svg { transform: translateX(3px); }

.solutions { padding: 4.5rem 0; background: var(--blue-softer); }
.sol-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.sol-card {
  background: #fff; border: 1px solid var(--line); border-radius: 0;
  padding: 1.7rem 1.5rem; text-align: center;
  transition: transform .2s ease, box-shadow .2s ease;
}
.sol-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.sol-ic {
  width: 58px; height: 58px; border-radius: 0;
  display: grid; place-items: center; margin: 0 auto 1.1rem;
}
.sol-ic svg { width: 27px; height: 27px; }
.sol-card[data-accent="blue"] .sol-ic { background: var(--blue-soft); color: var(--blue); }
.sol-card[data-accent="green"] .sol-ic { background: var(--green-bg); color: var(--green); }
.sol-card[data-accent="purple"] .sol-ic { background: var(--purple-bg); color: var(--purple); }
.sol-card[data-accent="orange"] .sol-ic { background: var(--orange-bg); color: var(--orange); }
.sol-card h3 { font-size: 1.1rem; }
.sol-card p { font-size: .88rem; color: var(--slate); min-height: 5.2em; }
.sol-link {
  display: inline-flex; align-items: center; gap: .45rem;
  font: 600 .8rem/1 var(--font-body); color: var(--blue-mid);
  text-transform: uppercase; letter-spacing: .06em;
  text-decoration: none;
}
.sol-link svg { width: 17px; height: 17px; transition: transform .15s; }
.sol-link:hover svg { transform: translateX(3px); }
.sol-more { text-align: center; margin-top: 2.2rem; }

/* Warum */
.why { padding: 4.5rem 0 3.5rem; }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.why-item {
  text-align: center; padding: 1.4rem 1rem; position: relative;
}
.why-item:not(:last-child)::after {
  content: ""; position: absolute; right: 0; top: 20%; bottom: 20%;
  width: 1px; background: var(--line);
}
.why-ic { color: var(--blue); display: inline-block; margin-bottom: .6rem; }
.why-ic svg { width: 34px; height: 34px; }
.why-num {
  font: 800 2rem/1.1 var(--font-display); color: var(--navy);
  margin: 0 0 .25rem; letter-spacing: -.02em;
}
.why-label { font-size: .84rem; color: var(--slate); margin: 0; }
.why-source { text-align: center; font-size: .72rem; color: var(--slate-light); margin-top: 2rem; }

/* Testimonials */
.testimonials { padding: 3.5rem 0 4.5rem; }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.testi-card {
  margin: 0; background: #fff; border: 1px solid var(--line);
  border-radius: 0; padding: 1.6rem;
  box-shadow: var(--shadow-sm);
}
.stars { color: var(--gold); display: flex; gap: 3px; margin-bottom: .8rem; }
.stars svg { width: 17px; height: 17px; }
.testi-card blockquote {
  margin: 0 0 1.2rem; font-size: .95rem; color: var(--ink); line-height: 1.65;
}
.testi-card figcaption { display: flex; align-items: center; gap: .75rem; }
.testi-card figcaption span:last-child { display: flex; flex-direction: column; line-height: 1.25; }
.testi-card strong { font-size: .9rem; color: var(--navy); }
.testi-card small { color: var(--slate-light); font-size: .78rem; }
.avatar {
  width: 42px; height: 42px; border-radius: 0; flex: none;
  background: var(--blue); color: #fff;
  display: grid; place-items: center;
  font: 700 .85rem/1 var(--font-body); letter-spacing: .02em;
}
.testi-card:nth-child(2) .avatar { background: var(--blue-mid); }
.testi-card:nth-child(3) .avatar { background: var(--purple); }

/* Wissen / Tabs */
.knowledge { padding: 4.5rem 0; background: var(--blue-softer); }
.tabs { background: #fff; border: 1px solid var(--line); border-radius: 0; box-shadow: var(--shadow-sm); overflow: hidden; }
.tab-list {
  display: flex; gap: .25rem; padding: .8rem .8rem 0; border-bottom: 1px solid var(--line);
  overflow-x: auto; scrollbar-width: none;
}
.tab-list::-webkit-scrollbar { display: none; }
.tab {
  font: 600 .9rem/1 var(--font-body); color: var(--slate);
  background: none; border: 0; border-bottom: 3px solid transparent;
  padding: .8rem 1.1rem; cursor: pointer; white-space: nowrap;
  transition: color .15s;
}
.tab:hover { color: var(--navy); }
.tab.is-active { color: var(--blue); border-bottom-color: var(--blue); }
.tab-panel { display: none; padding: clamp(1.4rem, 3vw, 2.2rem); }
.tab-panel.is-active { display: block; animation: fadeUp .3s ease; }
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-bottom: 1.4rem; }
.pillar {
  border: 1px solid var(--line); border-radius: 0;
  padding: 1.4rem; background: var(--blue-softer); position: relative;
}
.pillar.is-highlight { background: var(--petrol-dark); border-color: var(--petrol-dark); }
.pillar.is-highlight h4, .pillar.is-highlight p { color: #fff; }
.pillar.is-highlight .pillar-tag { color: #b8cbe6; }
.pillar.is-highlight strong { color: #fff; }
.pillar-no {
  position: absolute; top: 1.1rem; right: 1.2rem;
  font: 800 2.2rem/1 var(--font-display); color: rgba(14, 34, 73, .08);
}
.pillar.is-highlight .pillar-no { color: rgba(255, 255, 255, .18); }
.pillar h4 { font-size: 1rem; margin-bottom: .15rem; }
.pillar-tag { font: 600 .74rem/1.2 var(--font-body); color: var(--blue-mid); margin: 0 0 .6rem; text-transform: uppercase; letter-spacing: .05em; }
.pillar p:last-child { font-size: .86rem; color: var(--slate); margin: 0; }
.pillar.is-highlight p, .pillar.is-highlight p:last-child { color: #ffffff; }
.pillar.is-highlight .pillar-tag { color: #a9c6e8; }
.info-box {
  background: var(--blue-soft); border: 1px solid rgba(0, 55, 129, .12);
  border-radius: 0; padding: 1.1rem 1.3rem;
  font-size: .9rem; color: var(--ink);
}
.panel-cols { display: grid; grid-template-columns: 1.15fr .85fr; gap: 1.8rem; align-items: start; }
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li {
  padding-left: 1.7rem; position: relative; margin-bottom: .75rem;
  font-size: .92rem; color: var(--slate);
}
.check-list li strong { color: var(--ink); }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: .3em;
  width: 17px; height: 17px; border-radius: 0;
  background: var(--green-bg) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='m7 12.5 3.2 3.2L17 9' stroke='%232e9e5b' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/11px no-repeat;
}
.check-list.light li { color: rgba(255, 255, 255, .85); }
.check-list.light li strong { color: #fff; }
.check-list.light li::before { background-color: rgba(255, 255, 255, .16); }
.panel-tip {
  margin-top: 1.2rem; font-size: .88rem; background: #fff9ec;
  border: 1px solid #f0dfa8; border-radius: 0; padding: .9rem 1.1rem;
}
.calc-card {
  background: var(--blue-softer); border: 1px solid var(--line);
  border-radius: 0; padding: 1.4rem;
  position: sticky; top: 100px;
}
.calc-card h5 { margin-bottom: 1rem; font-size: 1.02rem; }
.calc-card label {
  display: flex; justify-content: space-between; align-items: baseline;
  font: 600 .8rem/1.3 var(--font-body); color: var(--slate); margin: .9rem 0 .35rem;
}
.calc-card output { color: var(--navy); font-weight: 700; }
.calc-card input[type="range"] {
  width: 100%; accent-color: var(--blue-mid); height: 22px;
}
.calc-hint { font-size: .74rem; color: var(--slate-light); margin: .5rem 0 0; line-height: 1.5; }
.calc-result {
  display: grid; grid-template-columns: 1fr 1fr; gap: .8rem; margin: 1.1rem 0 1.2rem;
}
.calc-result > div {
  background: #fff; border: 1px solid var(--line); border-radius: 0;
  padding: .8rem .9rem;
}
.calc-result small { display: block; font-size: .7rem; color: var(--slate-light); margin-bottom: .15rem; }
.calc-result strong { font: 800 1.15rem/1.1 var(--font-display); color: var(--blue); }
.table-wrap { overflow-x: auto; }
.num-table { width: 100%; border-collapse: collapse; font-size: .92rem; }
.num-table th, .num-table td { text-align: left; padding: .75rem .9rem; border-bottom: 1px solid var(--line); }
.num-table th { font: 600 .78rem/1.2 var(--font-body); text-transform: uppercase; letter-spacing: .06em; color: var(--slate-light); }
.num-table tr:nth-child(even) td { background: var(--blue-softer); }
.num-table td strong { color: var(--navy); }
.table-note { font-size: .74rem; color: var(--slate-light); margin-top: .8rem; }

/* FAQ */
.faq { padding: 4.5rem 0; }
.faq-container { max-width: 820px; }
.faq-list details {
  background: #fff; border: 1px solid var(--line); border-radius: 0;
  margin-bottom: .7rem; overflow: hidden;
  transition: box-shadow .15s;
}
.faq-list details[open] { box-shadow: var(--shadow-sm); }
.faq-list summary {
  cursor: pointer; list-style: none;
  font: 600 .98rem/1.4 var(--font-body); color: var(--navy);
  padding: 1.05rem 3rem 1.05rem 1.3rem; position: relative;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: ""; position: absolute; right: 1.2rem; top: 50%;
  width: 22px; height: 22px; transform: translateY(-50%);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M12 5v14M5 12h14' stroke='%23003781' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center/16px no-repeat;
  transition: transform .2s;
}
.faq-list details[open] summary::after {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M5 12h14' stroke='%23003781' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
}
.faq-list details > div { padding: 0 1.3rem 1.15rem; }
.faq-list details p { margin: 0; font-size: .92rem; color: var(--slate); }

/* CTA-Band */
.cta-band {
  position: relative; padding: 5rem 0; color: #fff;
  background: linear-gradient(100deg, rgba(0, 76, 115, .96) 0%, rgba(0, 97, 146, .88) 45%, rgba(0, 97, 146, .45) 100%), url('/assets/img/cta.jpg') center/cover no-repeat;
}
.cta-inner { display: grid; grid-template-columns: 1.2fr .8fr; gap: 3rem; align-items: center; }
.cta-copy h2 { color: #fff; margin-bottom: 1.2rem; }
.cta-card {
  background: #fff; border-radius: 0; padding: 1.6rem;
  box-shadow: var(--shadow-lg); max-width: 380px; justify-self: end; width: 100%;
}
.cta-card > p.cta-lead { margin: 0 0 1.1rem; font: 700 1.05rem/1.4 var(--font-display); color: var(--navy); }
.cta-callback {
  display: block; width: 100%; background: none; border: 0;
  color: var(--blue-mid); font: 600 .9rem/1 var(--font-body);
  text-decoration: underline; text-underline-offset: 3px;
  margin-top: 1rem; cursor: pointer; text-align: center;
}
.cta-callback:hover { color: var(--petrol-dark); }
.cta-phone-mini {
  margin: 1.1rem 0 0; padding-top: 1rem; border-top: 1px solid var(--line);
  text-align: center; font-size: .78rem; color: var(--slate-light);
}
.cta-phone-mini a { color: var(--slate); text-decoration: none; font-weight: 600; }

/* Footer */
.site-footer { background: var(--petrol-dark); color: #cfe4f2; }
.footer-grid {
  display: grid; grid-template-columns: 1.2fr 1fr 1fr 1.3fr;
  gap: 2rem; padding: 3.2rem 0 2rem;
}
.footer-brand { margin: 0 0 1rem; }
.footer-col p { font-size: .88rem; margin: 0 0 .6rem; line-height: 1.7; }
.footer-col a { display: block; color: #cfe4f2; text-decoration: none; font-size: .88rem; margin-bottom: .55rem; }
.footer-col a:hover { color: #fff; }
.footer-title { font: 700 .8rem/1 var(--font-body); text-transform: uppercase; letter-spacing: .1em; color: #fff; margin-bottom: 1rem !important; }
.footer-trust { display: flex; gap: .8rem; align-items: flex-start; }
.trust-ic { color: #9cc9e6; flex: none; }
.trust-ic svg { width: 26px; height: 26px; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .18); padding: 1.2rem 0;
  font-size: .78rem; color: #b3d4e8;
}
.footer-bottom p { margin: 0; }

/* Sticky Mobile CTA */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  display: none; padding: .65rem .9rem calc(.65rem + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, .96); backdrop-filter: blur(10px);
  border-top: 1px solid var(--line);
  transform: translateY(110%); transition: transform .25s ease;
}
.sticky-cta.is-visible { transform: none; }
.sticky-cta .btn { width: 100%; padding: .9rem .5rem; font-size: .9rem; }

/* Modal */
.modal {
  border: 0; border-radius: 0; padding: 0;
  width: min(440px, calc(100vw - 2rem));
  box-shadow: var(--shadow-lg);
}
.modal::backdrop { background: rgba(10, 25, 50, .55); backdrop-filter: blur(3px); }
.modal form { padding: 1.8rem; position: relative; }
.modal h3 { margin-bottom: .2rem; }
.modal-sub { color: var(--slate); font-size: .9rem; margin: 0 0 1.2rem; }
.modal .field { margin-bottom: 1rem; }
.modal-close {
  position: absolute; top: .9rem; right: .9rem;
  width: 36px; height: 36px; border-radius: 0;
  background: var(--blue-softer); border: 0; cursor: pointer;
  font-size: 1.3rem; color: var(--slate); line-height: 1;
}
.modal-close:hover { background: var(--blue-soft); color: var(--navy); }
.cb-success { text-align: center; padding: 1rem 0 .4rem; }
.cb-success .success-ic svg { width: 46px; height: 46px; }
.cb-success p { color: var(--slate); margin: .4rem 0 0; }

/* Reveal Animations */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s cubic-bezier(.2,.65,.3,1); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .main-nav { display: none; }
  .sol-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .why-item:nth-child(2)::after { display: none; }
  .funnel-head { grid-template-columns: 1fr; gap: 1.4rem; }
}
@media (max-width: 900px) {
  .hero { padding-top: 2.2rem; }
  .hero-grid { grid-template-columns: 1fr; gap: 2.2rem; }
  .hero-visual { order: -1; }
  .hero-float { left: .9rem; bottom: -1.2rem; }
  .hero-footnote { margin-top: 2.2rem; }
  .panel-cols { grid-template-columns: 1fr; }
  .calc-card { position: static; }
  .pillars { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; max-width: 560px; margin-inline: auto; }
  .cta-inner { grid-template-columns: 1fr; }
  .cta-card { justify-self: stretch; max-width: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-toggle { display: flex; }
  .mobile-nav.is-open {
    display: flex; flex-direction: column; gap: .2rem;
    padding: .8rem 1.25rem 1.2rem; border-top: 1px solid var(--line);
    background: #fff;
  }
  .mobile-nav a {
    text-decoration: none; color: var(--navy); font: 500 1rem/1 var(--font-body);
    padding: .8rem 0;
  }
  .mobile-nav .btn { margin-top: .6rem; color: #fff; text-align: center; }
  .sticky-cta { display: flex; }
}
@media (max-width: 640px) {
  .brand-sub, .brand-sep { display: none; }
  .brand img { height: 24px; }
  .header-inner { min-height: 62px; gap: .8rem; }
  .header-cta { padding: .55rem .8rem; font-size: .7rem; letter-spacing: .04em; white-space: nowrap; }
  .hero { padding-top: 1.6rem; }
  .hero-grid { gap: 1.6rem; }
  .eyebrow { margin-bottom: .7rem; }
  .hero-text { margin-bottom: 1.2rem; }
  .hero-badges {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: .5rem; margin-bottom: 1.4rem;
  }
  .hero-badges li {
    flex-direction: column; text-align: center; gap: .45rem;
    font-size: .7rem; background: var(--blue-softer);
    border: 1px solid var(--line); padding: .7rem .3rem;
  }
  .badge-ic { width: 34px; height: 34px; }
  .badge-ic svg { width: 17px; height: 17px; }
  .hero-cta .btn { width: 100%; }
  .hero-micro { justify-content: center; gap: .8rem; }
  .hero-visual { margin-inline: -0.25rem; }
  .hero-float {
    position: static; max-width: none; margin: .8rem 0 0;
    box-shadow: var(--shadow-sm); border-left: 4px solid var(--blue-mid);
  }
  .hero-footnote { margin-top: 1.4rem; }
  .funnel-section { padding: 2.6rem 0 3rem; }
  .funnel-card { padding: 1.2rem 1rem 1.5rem; }
  .fgrid { grid-template-columns: 1fr; gap: .9rem; }
  .goal-grid { grid-template-columns: 1fr 1fr; gap: .6rem; }
  .goal { padding: .7rem .7rem; font-size: .82rem; gap: .5rem; }
  .goal-ic { width: 30px; height: 30px; }
  .goal-ic svg { width: 16px; height: 16px; }
  .risk-row { grid-template-columns: 1fr; gap: .6rem; }
  .reco-grid { grid-template-columns: 1fr; gap: .7rem; }
  .steps .step-label { display: none; }
  .steps { max-width: 280px; }
  .step-current { display: block; }
  .section-head { margin-bottom: 1.8rem; }
  .sol-grid { grid-template-columns: 1fr; }
  .sol-card { display: grid; grid-template-columns: 52px 1fr; text-align: left; gap: .2rem 1rem; padding: 1.2rem; }
  .sol-ic { grid-row: 1 / 4; width: 46px; height: 46px; margin: 0; }
  .sol-ic svg { width: 22px; height: 22px; }
  .sol-card p { min-height: 0; margin: .2rem 0 .6rem; }
  .why-grid { grid-template-columns: 1fr 1fr; gap: .4rem; }
  .why-item { padding: 1rem .4rem; }
  .why-item::after { display: none; }
  .why-num { font-size: 1.5rem; }
  .why-ic svg { width: 26px; height: 26px; }
  .testimonials { padding: 2.6rem 0 3rem; }
  .knowledge { padding: 3rem 0; }
  .faq { padding: 3rem 0; }
  .cta-band { padding: 3rem 0; }
  .inline-cta { margin-top: 1.8rem; padding: 1.8rem 1.2rem; }
  .inline-cta .btn { width: 100%; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.6rem; padding-top: 2.4rem; }
  .fnav { flex-direction: column-reverse; align-items: stretch; }
  .fnav .btn { width: 100%; }
  .fnav-note { justify-content: center; }
  body { padding-bottom: 70px; }
}