/* Muster-Landingpage Baufinanzierung. Hauptfarben stehen als FARBE_... in einstellungen.json,
   alle weiteren Farben und Abstände direkt hier (vor allem im :root-Block). */
@font-face{font-family:"Source Serif 4";font-style:normal;font-weight:400;font-display:swap;src:url(assets/fonts/source-serif-4-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Source Serif 4";font-style:normal;font-weight:600;font-display:swap;src:url(assets/fonts/source-serif-4-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Source Sans 3";font-style:normal;font-weight:400;font-display:swap;src:url(assets/fonts/source-sans-3-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Source Sans 3";font-style:normal;font-weight:500;font-display:swap;src:url(assets/fonts/source-sans-3-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Source Sans 3";font-style:normal;font-weight:600;font-display:swap;src:url(assets/fonts/source-sans-3-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Dancing Script";font-style:normal;font-weight:600;font-display:swap;src:url(assets/fonts/dancing-script-latin-600-normal.woff2) format("woff2")}

:root{
  --ink:#0f2340;--ink-2:#26406a;--muted:#5a6b84;--line:#dbe3ee;--paper:#f7f9fc;--sand:#eaf1fa;--white:#ffffff;
  --brass:#2f7be0;--brass-dark:#1d56b0;--teal:#1f5fbf;--teal-soft:#e4eefc;--radius:14px;
  --shadow:0 1px 2px rgba(15,35,64,.06),0 12px 32px -12px rgba(15,35,64,.18);
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;--script:"Dancing Script","Brush Script MT",cursive;
  --sans:"Source Sans 3",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.6;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit}
button{font:inherit;color:inherit}
.container{width:100%;max-width:1160px;margin:0 auto;padding:0 24px}
@media (max-width:600px){.container{padding:0 16px}}
.ph{background:#fff4d6;border:1px dashed #d9b25c;border-radius:4px;padding:0 4px;font-style:normal;color:var(--ink)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
:focus-visible{outline:2px solid var(--teal);outline-offset:2px}

.preview-bar{background:var(--ink);color:#d9e3f0;font-size:13px;line-height:1.4}
.preview-bar .container{display:flex;gap:12px;align-items:center;justify-content:center;padding-top:9px;padding-bottom:9px;text-align:center;flex-wrap:wrap}
.preview-bar strong{color:#fff;font-weight:600}
.preview-bar .tag{border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:1px 9px;font-size:11px;letter-spacing:.08em;text-transform:uppercase}

/* Header */
.site-header{position:sticky;top:0;z-index:30;background:rgba(247,249,252,.94);backdrop-filter:saturate(140%) blur(10px);-webkit-backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:40px;height:40px;border-radius:10px;background:var(--ink);display:grid;place-items:center;flex:none}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-name{font-family:var(--serif);font-size:21px;font-weight:600;letter-spacing:-.01em}
.brand-sub{font-size:12.5px;color:var(--muted);letter-spacing:.02em}
.nav{display:flex;align-items:center;gap:22px;order:2;margin-left:auto}
.header-end{display:flex;align-items:center;gap:10px;order:3;flex:none}
.lang-switch{display:flex;border:1px solid var(--line);border-radius:999px;padding:3px;background:#fff}
.lang-switch a{font-size:12.5px;font-weight:600;letter-spacing:.04em;text-decoration:none;color:var(--muted);padding:5px 9px;border-radius:999px;line-height:1}
.lang-switch a:hover{color:var(--ink)}
.lang-switch a[aria-current="page"]{background:var(--ink);color:#fff}
.lang-note{font-size:14px;color:var(--muted);margin:-20px 0 28px}
.nav a{text-decoration:none;font-size:15px;color:var(--ink-2)}
.nav a:hover{color:var(--ink)}
.nav .nav-phone{display:inline-flex;align-items:center;gap:7px;font-weight:600;color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:13px 24px;font-weight:600;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;transition:background .15s,border-color .15s,color .15s,transform .15s;line-height:1.2}
.btn-primary{background:var(--ink);color:#fff}
.nav a.btn-primary{color:#fff}
.btn-primary:hover{background:var(--ink-2)}
.btn-ghost{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{background:var(--sand)}
.btn-sm{padding:9px 18px;font-size:14px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;cursor:pointer;padding:0}
.nav-toggle span{display:block;width:18px;height:2px;background:var(--ink);margin:4px auto;border-radius:2px}
.nav a,.brand-sub,.brand-name{white-space:nowrap}
@media (max-width:1340px) and (min-width:1061px){
  .nav .nav-phone{width:38px;height:38px;border:1px solid var(--line);border-radius:50%;justify-content:center;flex:none}
  .nav .nav-phone .num{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
}
@media (max-width:1160px) and (min-width:1061px){.brand-sub{display:none}}
@media (max-width:1060px){
  .nav-toggle{display:block}
  .nav{position:absolute;left:0;right:0;top:72px;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 16px 16px;display:none}
  .nav.open{display:flex}
  .nav a{padding:12px 4px;border-bottom:1px solid var(--line)}
  .nav a.btn{margin-top:12px;border-bottom:0;padding:12px 22px}
  .nav .nav-phone{display:inline-flex}
}
@media (max-width:420px){
  .header-inner{gap:10px}
  .brand{gap:10px}
  .brand-name{font-size:19px}
  .brand-sub{font-size:11.5px}
  .lang-switch a{padding:5px 7px;font-size:12px}
}
@media (max-width:440px){.brand-sub{display:none}}
.brand{min-width:0}

/* Hero */
.hero{padding:0;position:relative;overflow:hidden;color:#fff;background:linear-gradient(115deg,#0f2340 0%,#102f63 48%,#1f5fbf 100%)}
.hero::before{content:"";position:absolute;left:-200px;bottom:-260px;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle at center,rgba(124,192,255,.16),rgba(124,192,255,0) 70%);pointer-events:none}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:56px;align-items:stretch}
.hero-text{padding:64px 0 72px;align-self:center}
.hero-photo{position:relative;width:100%;min-height:100%;clip-path:ellipse(100% 140% at 100% 50%);background:#17325e}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 35%;display:block}
.hero-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,35,64,.22),rgba(15,35,64,0) 25%);pointer-events:none}
@media (max-width:960px){
  /* Handy/Tablet: Text zuerst, Foto als ausgeblendeter Hintergrund oben */
  .hero{padding:0 0 52px}
  .hero-grid{grid-template-columns:1fr;gap:0;position:static}
  .hero-text{position:relative;z-index:1;padding:56px 0 0}
  .hero-photo{position:absolute;top:0;left:0;right:0;width:auto;min-height:0;height:min(150vw,640px);clip-path:none;z-index:0;
    -webkit-mask-image:linear-gradient(180deg,rgba(0,0,0,.55) 0%,rgba(0,0,0,.32) 45%,transparent 100%);mask-image:linear-gradient(180deg,rgba(0,0,0,.55) 0%,rgba(0,0,0,.32) 45%,transparent 100%)}
  .hero-photo::after{display:none}
  .hero h1,.hero .lead{text-shadow:0 2px 16px rgba(8,20,40,.55)}
}
@media (max-width:600px){.hero h1{font-size:clamp(34px,9.6vw,46px)}.hero-text{padding-top:44px}}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--brass-dark);font-weight:600;margin:0 0 18px}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--brass);flex:none}
h1,h2,h3{font-family:var(--serif);font-weight:600;letter-spacing:-.01em;line-height:1.1;margin:0}
h1{font-size:clamp(40px,5.1vw,60px)}
h1 em{font-family:var(--script);font-style:normal;font-weight:600;font-size:1.14em;line-height:.8;letter-spacing:0;color:var(--teal)}
.lead{font-size:clamp(17px,1.6vw,20px);color:var(--ink-2);max-width:560px;margin:22px 0 30px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.cta-note{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--muted);margin:14px 0 0}
.cta-note svg{flex:none}
.trust{list-style:none;margin:36px 0 0;padding:24px 0 0;border-top:1px solid var(--line);display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 24px}
.trust li{display:flex;gap:10px;align-items:flex-start;font-size:15px;color:var(--ink-2);line-height:1.4}
.trust li svg{flex:none;margin-top:1px}
.trust strong{color:var(--ink);font-weight:600}
/* Hero auf dunklem Grund */
.hero .eyebrow{color:#7cc0ff}.hero .eyebrow::before{background:#7cc0ff}
.hero h1{color:#fff}.hero h1 em{color:#7cc0ff}
.hero .lead{color:#d6e3f3}
.hero .btn-primary{background:#7cc0ff;color:var(--ink)}
.hero .btn-primary:hover{background:#a3d3ff}
.hero .btn-ghost{border-color:rgba(255,255,255,.75);color:#fff}
.hero .btn-ghost:hover{background:#fff;color:var(--ink)}
.hero .cta-note{color:#b9cbe3}.hero .cta-note svg{stroke:#7cc0ff}
.hero .trust{border-top-color:rgba(255,255,255,.18)}
.hero .trust li{color:#d6e3f3}.hero .trust strong{color:#fff}.hero .trust li svg{stroke:#7cc0ff}
.hero :focus-visible{outline-color:#7cc0ff}
/* Rechner-Bereich */
.calc-section{padding:80px 0;position:relative}
.calc-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.calc-intro{position:sticky;top:120px;padding-top:24px}
.calc-intro h2{font-size:clamp(32px,3.8vw,46px)}
.calc-intro p:not(.eyebrow){color:var(--ink-2);font-size:18px;max-width:460px;margin:18px 0 0}
@media (max-width:960px){.calc-grid{grid-template-columns:1fr;gap:28px}.calc-section{padding:56px 0}.calc-intro{position:static;padding-top:0}}
@media (max-width:480px){.trust{grid-template-columns:1fr}}

/* Rechner */
.calc{background:var(--white);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:26px}
@media (max-width:600px){.calc{padding:20px}}
.calc-head{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:14px}
.calc h2{font-size:25px}
.tabs{display:flex;background:var(--sand);border-radius:999px;padding:4px;gap:4px;margin-bottom:20px}
.tabs button{flex:1;border:0;background:none;border-radius:999px;padding:9px 10px;font-size:14px;font-weight:600;color:var(--muted);cursor:pointer}
.tabs button[aria-selected="true"]{background:#fff;color:var(--ink);box-shadow:0 1px 3px rgba(15,35,64,.12)}
.field{margin-bottom:16px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;gap:8px}
.field label{font-size:14px;font-weight:500;color:var(--ink-2)}
.field output{font-family:var(--serif);font-size:19px;font-weight:600;white-space:nowrap}
input[type=range]{width:100%;accent-color:var(--ink);height:28px;margin:0}
.calc-result{margin-top:6px;background:var(--sand);border-radius:14px;padding:16px 20px;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.calc-result span{font-size:14px;color:var(--ink-2)}
.calc-result strong{font-family:var(--serif);font-size:32px;font-weight:600;line-height:1}
.calc-sub{display:flex;justify-content:space-between;font-size:14px;color:var(--ink-2);padding:10px 4px 0;gap:10px;flex-wrap:wrap}
.calc-sub b{font-weight:600;color:var(--ink)}
.calc-cta{width:100%;margin-top:16px}
.calc-note{font-size:12.5px;color:var(--muted);margin:12px 0 0;line-height:1.5}
[hidden]{display:none!important}

/* Abschnitte */
section{scroll-margin-top:80px}
.section{padding:92px 0}
@media (max-width:700px){.section{padding:64px 0}}
.section-alt{background:var(--sand)}
.section-dark{background:var(--ink);color:#e7eef8}
.section-dark h2,.section-dark h3{color:#fff}
.section-head{max-width:680px;margin-bottom:44px}
.section-head h2{font-size:clamp(32px,3.8vw,46px)}
.section-head p{color:var(--muted);font-size:18px;margin:16px 0 0}
.section-dark .section-head p{color:#b4c3da}
.section-dark .eyebrow{color:#7cc0ff}
.section-dark .eyebrow::before{background:#7cc0ff}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:960px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.cards{grid-template-columns:1fr}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.card .icon{width:44px;height:44px;border-radius:12px;background:var(--sand);display:grid;place-items:center;margin-bottom:18px}
.card{overflow:hidden}
.card-img{margin:-26px -26px 0;aspect-ratio:16/9;background:var(--sand);overflow:hidden}
.card-img img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.card:hover .card-img img{transform:scale(1.04)}
.card-img + .icon{position:relative;margin-top:-22px;border:3px solid var(--white);box-shadow:0 4px 14px rgba(15,35,64,.12)}
.card-accent .card-img + .icon{border-color:var(--ink);background:#1a3560}
@media (prefers-reduced-motion:reduce){.card-img img{transition:none}.card:hover .card-img img{transform:none}}
.card h3{font-size:23px;margin-bottom:10px}
.card p{margin:0 0 16px;color:var(--muted);font-size:16px;flex:1}
.card-link{display:inline-flex;align-items:center;gap:6px;font-weight:600;font-size:15px;color:var(--teal);text-decoration:none;background:none;border:0;padding:0;cursor:pointer;align-self:flex-start}
.card-link:hover{text-decoration:underline}
.card-accent{background:var(--ink);border-color:var(--ink)}
.card-accent h3{color:#fff}
.card-accent p{color:#b4c3da}
.card-accent .icon{background:rgba(255,255,255,.1)}
.card-accent .card-link{color:#7cc0ff}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:step;list-style:none;padding:0;margin:0}
@media (max-width:960px){.steps{grid-template-columns:repeat(2,1fr);row-gap:36px}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}
.steps li{position:relative;padding:0 24px 0 0}
.steps li::before{counter-increment:step;content:"0" counter(step);display:block;font-family:var(--serif);font-size:44px;color:#7cc0ff;line-height:1;margin-bottom:18px}
.steps li::after{content:"";position:absolute;top:22px;left:74px;right:24px;height:1px;background:rgba(255,255,255,.18)}
.steps li:last-child::after{display:none}
@media (max-width:960px){.steps li::after{display:none}}
.steps h3{font-size:22px;margin-bottom:10px}
.steps p{margin:0;color:#b4c3da;font-size:15.5px}
.steps-cta{margin-top:48px;display:flex;align-items:center;gap:18px;flex-wrap:wrap;color:#b4c3da;font-size:15px}

/* Anschluss-Band */
.band{background:var(--teal);color:#e3eefc;border-radius:20px;padding:34px 36px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.band h2{color:#fff;font-size:clamp(26px,3vw,34px);margin-bottom:8px}
.band p{margin:0;color:#cfe0f8;max-width:640px}
@media (max-width:760px){.band{grid-template-columns:1fr;padding:26px 22px}}

.why{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}
@media (max-width:900px){.why{grid-template-columns:1fr;gap:32px}}
.compare{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.compare-row{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line)}
.compare-row:first-child{border-top:0}
.compare-row>div{padding:16px 20px;font-size:15.5px}
@media (max-width:480px){.compare-row>div{padding:14px 12px;font-size:14.5px}}
.compare-row>div+div{border-left:1px solid var(--line);background:#f2f7fe}
.compare-head>div{font-weight:600;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.compare-head>div+div{color:var(--teal)}

.about{display:grid;grid-template-columns:320px 1fr;gap:56px;align-items:center}
@media (max-width:820px){.about{grid-template-columns:1fr;gap:28px}}
.portrait{aspect-ratio:4/5;border-radius:18px;overflow:hidden;background:#c9d6e8}
@media (max-width:820px){.portrait{max-width:260px;width:100%;margin:0 auto}}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.about h2{font-size:clamp(30px,3.4vw,42px);margin-bottom:18px}
.about p{color:var(--ink-2);margin:0 0 16px;max-width:620px}
.quote{margin:22px 0 0;padding:4px 0 4px 20px;border-left:3px solid var(--brass);font-family:var(--serif);font-size:22px;line-height:1.35;color:var(--ink);max-width:600px}
.quote footer{font-family:var(--sans);font-size:14px;color:var(--muted);margin-top:8px}
.creds{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px;padding:0;list-style:none}
.creds li{background:var(--white);border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-size:14px;color:var(--ink-2)}

.reviews{margin-top:48px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.reviews p{margin:0;color:var(--ink-2)}
.reviews strong{font-family:var(--serif);font-size:22px;font-weight:500;display:block;color:var(--ink);margin-bottom:2px}

.checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:0 32px;list-style:none;padding:0;margin:0}
@media (max-width:700px){.checklist{grid-template-columns:1fr}}
.checklist li{display:flex;gap:12px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line);font-size:16px}
.checklist li svg{flex:none;margin-top:3px}
.checklist small{display:block;color:var(--muted);font-size:14px}

.faq{max-width:820px}
.faq details{border-bottom:1px solid #c9d6e8;padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:20px 40px 20px 0;font-family:var(--serif);font-size:22px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:50%;transform:translateY(-50%);font-family:var(--sans);font-size:26px;color:var(--brass);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq details p{margin:0 0 22px;color:var(--ink-2);max-width:700px}

/* Kontakt + Finanzierungs-Check */
.contact{display:grid;grid-template-columns:.8fr 1.2fr;grid-template-areas:"info check" "more check";grid-template-rows:auto 1fr;column-gap:56px;row-gap:8px;align-items:start}
.contact-info{grid-area:info}.contact-more{grid-area:more}.contact .check{grid-area:check}
@media (max-width:900px){.contact{grid-template-columns:1fr;grid-template-areas:"info" "check" "more";row-gap:32px}}
.contact-info h2{font-size:clamp(32px,3.8vw,46px);margin-bottom:16px}
.contact-info>p{color:#b4c3da;margin:0 0 28px}
.contact-list{list-style:none;padding:0;margin:0;display:grid;gap:18px}
.contact-list li{display:flex;gap:14px;align-items:flex-start}
.contact-list a{color:#fff;text-decoration:none}
.contact-list a:hover{text-decoration:underline}
.contact-list .ci{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.08);display:grid;place-items:center;flex:none}
.contact-list small{display:block;color:#8ea0bb;font-size:13px}
.section-dark .ph{background:rgba(255,244,214,.12);border-color:rgba(217,178,92,.6);color:#f3dfb3}

.check{background:var(--white);color:var(--ink);border-radius:20px;padding:30px;box-shadow:0 20px 50px -20px rgba(0,0,0,.4)}
@media (max-width:600px){.check{padding:20px}}
.check-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px;font-size:13px;color:var(--muted);font-weight:500}
.check-top b{color:var(--teal);font-weight:600}
.progress{height:6px;background:var(--sand);border-radius:99px;overflow:hidden;margin-bottom:24px}
.progress span{display:block;height:100%;width:25%;background:var(--teal);border-radius:99px;transition:width .35s ease}
.step h3,.section-dark .check h3{font-size:26px;margin-bottom:6px;color:var(--ink)}
.step>p{margin:0 0 18px;color:var(--muted);font-size:15px}
.tiles{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:460px){.tiles{grid-template-columns:1fr}}
.tile{display:flex;align-items:center;gap:12px;text-align:left;border:1.5px solid var(--line);background:#fff;border-radius:14px;padding:16px;cursor:pointer;font-weight:600;font-size:15.5px;transition:border-color .15s,background .15s,transform .15s}
.tile:hover{border-color:var(--ink-2)}
.tile[aria-pressed="true"]{border-color:var(--teal);background:var(--teal-soft)}
.tile .ti{width:38px;height:38px;border-radius:10px;background:var(--sand);display:grid;place-items:center;flex:none}
.tile[aria-pressed="true"] .ti{background:#fff}
.tile small{display:block;font-weight:400;color:var(--muted);font-size:13px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.form-grid{grid-template-columns:1fr}}
.form-grid .full{grid-column:1/-1}
.form-grid label,.fieldset-label{display:block;font-size:14px;font-weight:500;margin-bottom:6px;color:var(--ink-2)}
.form-grid input,.form-grid select,.form-grid textarea{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1px solid #cbd5e3;border-radius:10px;background:#fff;color:var(--ink)}
.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{outline:2px solid var(--ink);outline-offset:1px;border-color:var(--ink)}
.form-grid textarea{min-height:90px;resize:vertical}
.input-eur{position:relative}
.input-eur input{padding-right:34px}
.input-eur::after{content:"€";position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;font-size:14px;font-weight:500;cursor:pointer}
.chip[aria-pressed="true"]{border-color:var(--teal);background:var(--teal-soft);color:var(--teal)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--muted)}
.form-grid .consent input{width:auto;margin-top:3px;flex:none}
.form-grid .consent label{margin:0;font-weight:400;color:inherit;font-size:13.5px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.check-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:22px;flex-wrap:wrap}
.link-btn{background:none;border:0;padding:6px 0;color:var(--muted);font-weight:500;cursor:pointer;font-size:15px}
.link-btn:hover{color:var(--ink)}
.check-error{color:#a3362a;font-size:14px;margin:12px 0 0;min-height:1.2em}
.check-trust{display:flex;gap:16px;flex-wrap:wrap;margin-top:18px;padding-top:16px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}
.check-trust span{display:inline-flex;align-items:center;gap:6px}
.success{text-align:center;padding:20px 0 6px}
.success .ok{width:64px;height:64px;border-radius:50%;background:var(--teal-soft);display:grid;place-items:center;margin:0 auto 16px}
.success h3{font-size:28px;margin-bottom:8px}
.success p{color:var(--ink-2);margin:0 auto;max-width:420px}

/* Mobile Kontaktleiste */
.mobile-bar{display:none}
@media (max-width:760px){
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr 1.3fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:40;background:rgba(247,249,252,.97);border-top:1px solid var(--line);padding:10px 12px calc(10px + env(safe-area-inset-bottom));backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);transform:translateY(110%);transition:transform .3s ease}
  .mobile-bar.show{transform:none}
  .mobile-bar a{display:flex;align-items:center;justify-content:center;gap:6px;border-radius:12px;padding:11px 6px;font-weight:600;font-size:14px;text-decoration:none;border:1px solid var(--line);background:#fff;color:var(--ink)}
  .mobile-bar a.primary{background:var(--ink);color:#fff;border-color:var(--ink)}
  body.has-bar{padding-bottom:76px}
}

/* Footer */
.site-footer{background:#0a1730;color:#8ea0bb;font-size:14px;padding:40px 0}
.footer-inner{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:flex-start}
.footer-inner p{margin:0 0 6px}
.footer-links{display:flex;gap:20px;list-style:none;padding:0;margin:0;flex-wrap:wrap}
.footer-links a{color:#c3d0e3;text-decoration:none}
.footer-links a:hover{color:#fff}
.site-footer .ph{background:rgba(255,244,214,.1);border-color:rgba(217,178,92,.5);color:#e9d3a4}
.credit{margin:24px 0 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.08);font-size:13px}
.credit a{color:#c3d0e3}

/* Rechtstexte */
.legal{padding:56px 0 88px}
.legal .container{max-width:820px}
.legal h1{font-size:clamp(36px,4.5vw,50px);margin-bottom:10px}
.legal .stand{color:var(--muted);margin:0 0 36px}
.legal h2{font-size:26px;margin:40px 0 12px}
.legal h3{font-size:20px;margin:26px 0 8px}
.legal p,.legal li{color:var(--ink-2)}
.legal .hinweis{background:#fff4d6;border:1px solid #e7cf93;border-radius:12px;padding:14px 18px;font-size:15px;margin:0 0 32px}
.crumbs{font-size:14px;color:var(--muted);margin:0 0 16px}
.crumbs a{color:var(--muted)}

/* Leistungs-Karten: zweiter Link zur Landingpage */
.card-links{display:flex;align-items:center;justify-content:space-between;gap:8px 18px;flex-wrap:wrap}
.card-more{font-size:14.5px;color:var(--muted);text-decoration:underline;text-underline-offset:3px}
.card-more:hover{color:var(--ink)}

/* Landingpages: schlanke Navigation (nur Telefon + Anfrage, auch am Handy sichtbar) */
@media (max-width:1060px){
  .nav.nav-slim{position:static;display:flex;flex-direction:row;align-items:center;gap:10px;padding:0;border:0;background:none}
  .nav.nav-slim a{padding:0;border-bottom:0}
  .nav.nav-slim a.btn{margin-top:0;padding:9px 18px}
  .nav.nav-slim .nav-phone{width:38px;height:38px;border:1px solid var(--line);border-radius:50%;justify-content:center;flex:none}
  .nav.nav-slim .nav-phone .num{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
}
@media (max-width:380px){.nav.nav-slim a.btn{padding:8px 14px;font-size:13.5px}}
@media (max-width:350px){.nav.nav-slim a.btn{display:none}}

/* Anschluss-Rechner: alte und neue Rate nebeneinander */
.calc-compare{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:6px}
.calc-compare>div{background:var(--sand);border-radius:14px;padding:14px 18px}
.calc-compare span{display:block;font-size:14px;color:var(--ink-2)}
.calc-compare strong{font-family:var(--serif);font-size:28px;font-weight:600;line-height:1.15}
.calc-compare .neu{background:var(--teal-soft)}
.calc-diff{display:flex;justify-content:space-between;gap:10px;font-size:14px;color:var(--ink-2);padding:10px 4px 0}
.calc-diff b{font-weight:600;color:var(--ink)}
@media (max-width:380px){.calc-compare{grid-template-columns:1fr}}

/* Landingpages: Hinweis-Kasten und schlichte Karten ohne Foto */
.note-box{margin-top:28px;background:var(--white);border:1px solid var(--line);border-left:3px solid var(--brass);border-radius:12px;padding:16px 20px;font-size:15.5px;color:var(--ink-2);max-width:820px}
.note-box strong{color:var(--ink)}
.cards-plain .card h3{font-size:22px}
.card .num-badge{font-family:var(--serif);font-size:15px;font-weight:600;color:var(--brass-dark)}

/* Landingpages: Blickfänger */
.hero-badge{display:inline-flex;align-items:center;gap:10px;margin:0 0 20px;padding:7px 16px 7px 12px;border:1px solid rgba(124,192,255,.55);border-radius:999px;background:rgba(124,192,255,.12);color:#d6e8ff;font-size:14.5px;font-weight:600;letter-spacing:.01em}
.hero-badge .dot{width:9px;height:9px;border-radius:50%;background:#7cc0ff;box-shadow:0 0 0 0 rgba(124,192,255,.7);animation:pulse 2.2s ease-out infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(124,192,255,.7)}70%{box-shadow:0 0 0 10px rgba(124,192,255,0)}100%{box-shadow:0 0 0 0 rgba(124,192,255,0)}}
/* Suchbegriff als erste Zeile der H1 (Anzeige ↔ Landingpage) */
.hero h1 .hero-kw{display:block;margin:0 0 14px;font-family:var(--sans);font-size:14px;line-height:1.3;letter-spacing:.1em;text-transform:uppercase;font-weight:600;color:#7cc0ff}
.stats-strip{background:var(--ink);border-top:1px solid rgba(255,255,255,.08)}
.stats{list-style:none;margin:0;padding:30px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.stats li{display:flex;flex-direction:column;gap:4px;padding-left:18px;border-left:2px solid rgba(124,192,255,.45)}
.stats strong{font-family:var(--serif);font-weight:600;font-size:clamp(30px,3.4vw,42px);line-height:1.05;color:#7cc0ff;white-space:nowrap}
.stats span{font-size:14.5px;color:#b4c3da}
@media (max-width:760px){.stats{grid-template-columns:1fr 1fr;gap:22px 16px;padding:26px 0}.stats li{padding-left:12px}}
.band-img{grid-template-columns:240px 1fr auto;padding:18px 36px 18px 18px}
.band-photo{border-radius:14px;overflow:hidden;aspect-ratio:4/3;background:#2b6fd1}
.band-photo img{width:100%;height:100%;object-fit:cover}
@media (max-width:760px){.band-img{grid-template-columns:1fr;padding:14px 18px 24px}.band-photo{aspect-ratio:16/9}}
@media (max-width:400px){.stats strong{font-size:27px;white-space:normal}}
@media (prefers-reduced-motion:reduce){.hero-badge .dot{animation:none}}

/* Kredit-Landingpage */
.kredit-cards{grid-template-columns:repeat(4,1fr)}
@media (max-width:1060px){.kredit-cards{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.kredit-cards{grid-template-columns:1fr}}
.bank-list{margin-top:22px}
.bank-list li{font-weight:600;color:var(--ink)}
.bank-list li:last-child{font-weight:400;color:var(--muted)}
.pflicht-box{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;max-width:860px}
.pflicht-box dl{display:grid;grid-template-columns:1fr 1fr;gap:12px 24px;margin:0 0 16px}
@media (max-width:560px){.pflicht-box dl{grid-template-columns:1fr}}
.pflicht-box dt{font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:600}
.pflicht-box dd{margin:2px 0 0;font-family:var(--serif);font-size:20px;font-weight:600}
.pflicht-box p{margin:0 0 12px;color:var(--ink-2);font-size:16px}
.pflicht-box .pflicht-klein{font-size:13.5px;color:var(--muted);margin:0}

/* ---------- Animationen ---------- */
.flip-host{background:none!important;perspective:240px}
.flip{display:block;position:relative;width:100%;height:100%;border-radius:inherit;transform-style:preserve-3d;animation:flip 9s cubic-bezier(.6,.05,.3,1) 2.2s infinite}
.flip .face{position:absolute;inset:0;border-radius:inherit;display:grid;place-items:center;backface-visibility:hidden;-webkit-backface-visibility:hidden}
.flip .face svg{width:55%;height:55%}
.flip .face-house{background:var(--ink)}
.flip .face-money{background:var(--teal);transform:rotateY(180deg)}
@keyframes flip{0%,34%{transform:rotateY(0)}44%,78%{transform:rotateY(180deg)}88%,100%{transform:rotateY(360deg)}}
.brand-mark.flip-host{border-radius:10px}
.flip-badge{display:block;width:46px;height:46px;border-radius:12px;flex:none;margin-top:2px}
.flip-badge .face-house{background:var(--sand)}
.flip-badge .flip{animation-delay:3.4s}
.money-word{position:relative;display:inline-block}
.money-word .note{position:absolute;right:-.28em;top:-.02em;width:.92em;height:.49em;pointer-events:none;opacity:0;transform-origin:15% 90%;animation:peek 8s ease-in-out 1.4s infinite;filter:drop-shadow(0 4px 6px rgba(15,35,64,.18))}
.money-word .note svg{display:block;width:100%;height:100%}
.money-word .note.n2{animation-delay:1.62s;right:-.12em;top:.06em}
@keyframes peek{
  0%{opacity:0;transform:translate(-40%,40%) rotate(10deg) scale(.5)}
  6%{opacity:1;transform:translate(0,-36%) rotate(-14deg) scale(1)}
  10%{transform:translate(0,-28%) rotate(-4deg) scale(1)}
  14%{transform:translate(0,-34%) rotate(-12deg) scale(1)}
  19%{opacity:1;transform:translate(0,-31%) rotate(-8deg) scale(1)}
  25%{opacity:0;transform:translate(-40%,35%) rotate(12deg) scale(.5)}
  100%{opacity:0;transform:translate(-40%,35%) rotate(12deg) scale(.5)}
}
.money-word:hover .note{animation-duration:2.4s;animation-delay:0s}
.money-word:hover .note.n2{animation-delay:.18s}
.bumpable{display:inline-block;transform-origin:right center}
.bump{animation:bump .35s ease-out}
@keyframes bump{40%{transform:scale(1.07);color:var(--teal)}100%{transform:scale(1)}}
.js-reveal .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
.js-reveal .reveal.in{opacity:1;transform:none}
.hero .eyebrow,.hero h1,.hero .lead,.hero .hero-actions,.hero .cta-note,.hero .trust{animation:rise .8s cubic-bezier(.2,.7,.2,1) both}
.hero h1{animation-delay:.08s}.hero .lead{animation-delay:.16s}.hero .hero-actions,.hero .cta-note{animation-delay:.24s}.hero .trust{animation-delay:.32s}
@keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.step-anim{animation:stepin .35s ease both}
@keyframes stepin{from{opacity:0;transform:translateX(14px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){
  .flip,.money-word .note,.hero *,.step-anim{animation:none!important}
  .money-word .note{display:none}
  .js-reveal .reveal{opacity:1!important;transform:none!important}
  *{transition:none!important;scroll-behavior:auto!important}
}

/* ---- Ab hier: Stand der Live-Startseite (08.10.2026), danach Landingpage-Kopfzeile ---- */
/* ===== Kopfzeile zweizeilig (Startseite, seit 07.10.2026) ===== */
/* PC ab 1024 px: oben Logo + Schnellzugriff + Rahmen-Button, darunter Menüzeile mit Aufklapp-Menüs. Handy: Burger, Gruppen offen untereinander. */
.hz{--hz-bg:var(--ink);--hz-line:rgba(255,255,255,.12);--hz-text:#fff;--hz-muted:#a9bbd6;--hz-accent:#7cc0ff;--hz-accent-2:#a3d3ff;
  position:sticky;top:0;z-index:30;background:var(--hz-bg);border-bottom:2px solid var(--hz-accent);font-family:var(--sans)}
.hz-inner{height:68px;display:flex;align-items:center;justify-content:space-between;gap:16px;position:relative}
.hz .brand-name{color:#fff}
.hz .brand-sub{color:var(--hz-muted)}
.hz .brand-mark{background:rgba(255,255,255,.06);box-shadow:inset 0 0 0 1px rgba(124,192,255,.35)}
.hz :focus-visible{outline-color:var(--hz-accent)}
.hz-toggle{display:none;width:44px;height:44px;background:none;border:1px solid var(--hz-line);border-radius:10px;cursor:pointer;align-items:center;justify-content:center;flex:none;padding:0}
.hz-toggle i,.hz-toggle i::before,.hz-toggle i::after{display:block;width:18px;height:2px;border-radius:2px;background:#fff;position:relative;transition:transform .2s}
.hz-toggle i::before,.hz-toggle i::after{content:"";position:absolute;left:0}
.hz-toggle i::before{top:-6px}.hz-toggle i::after{top:6px}
.hz-toggle[aria-expanded="true"] i{background:transparent}
.hz-toggle[aria-expanded="true"] i::before{transform:translateY(6px) rotate(45deg)}
.hz-toggle[aria-expanded="true"] i::after{transform:translateY(-6px) rotate(-45deg)}
.hz-menu,.hz-quick,.hz-panel ul{list-style:none;margin:0;padding:0}
.hz-quick a{text-decoration:none}
.hz-quick svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.hz-btn{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:.5rem 1.35rem;border:1.5px solid var(--hz-accent);border-radius:999px;font-weight:600;font-size:15.5px;text-decoration:none;white-space:nowrap;transition:background .15s,color .15s}
.hz-cta small{display:block;font-size:12.5px;font-weight:500;white-space:nowrap}
.hz-drop summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;gap:.45rem;font-weight:600;user-select:none}
.hz-drop summary::-webkit-details-marker{display:none}
.hz-drop summary::after{content:"";width:.4rem;height:.4rem;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:translateY(-2px) rotate(45deg)}
.hz-drop[open] summary::after{transform:translateY(2px) rotate(-135deg)}
.hz-panel a{display:grid;gap:.05rem;padding:.6rem .8rem;border-radius:10px;color:var(--ink);text-decoration:none;line-height:1.3}
.hz-panel a span{font-size:15.5px;font-weight:600}
.hz-panel a small{font-size:13.5px;color:var(--muted)}
.hz-panel a:hover{background:var(--sand)}
section[id],.card[id]{scroll-margin-top:84px}

@media (min-width:1024px){
  .hz{background:linear-gradient(var(--hz-line),var(--hz-line)) 0 78px/100% 1px no-repeat,var(--hz-bg)}
  .hz-inner{height:auto;display:grid;grid-template-columns:auto 1fr auto auto;grid-template-rows:78px 50px;gap:0 2.25rem;align-items:center}
  .hz .brand{grid-column:1;grid-row:1;position:relative;z-index:2}
  .hz-nav{grid-column:1/-1;grid-row:1/3;display:grid;grid-template-columns:subgrid;grid-template-rows:subgrid;align-items:center;gap:0 2.25rem}
  .hz-quick{grid-column:3;grid-row:1;display:flex;gap:1.6rem;position:relative;z-index:2}
  .hz-quick a{display:grid;justify-items:center;gap:.25rem;color:#fff;font-size:13px;font-weight:600;white-space:nowrap}
  .hz-quick a:hover{color:var(--hz-accent-2)}
  .hz-cta{grid-column:4;grid-row:1;display:grid;justify-items:center;gap:.3rem;position:relative;z-index:2}
  .hz-cta small{color:var(--hz-muted)}
  .hz-btn{color:var(--hz-accent);background:transparent}
  .hz-btn:hover{background:var(--hz-accent);color:var(--ink)}
  .hz-menu{grid-column:1/-1;grid-row:2;display:flex;gap:2rem;height:50px;position:relative;z-index:2}
  .hz-menu>li{display:flex;align-items:center;position:relative}
  .hz-drop summary,.hz-direct a{color:#fff;font-size:16px;padding:.55rem 0;text-decoration:none}
  .hz-direct a{font-weight:600}
  .hz-drop summary:hover,.hz-drop[open] summary,.hz-direct a:hover{color:var(--hz-accent-2)}
  .hz-panel{position:absolute;left:-1rem;top:calc(100% + .5rem);width:23rem;padding:.5rem;background:#fff;border-radius:var(--radius);box-shadow:0 22px 44px -22px rgba(15,35,64,.5);border:1px solid var(--line)}
  .calc-intro{top:156px}
  section[id],.card[id]{scroll-margin-top:146px}
}
@media (min-width:1024px) and (max-width:1180px){.hz .brand-sub{display:none}.hz-quick{gap:1.2rem}.hz-inner,.hz-nav{column-gap:1.6rem}}

@media (max-width:1023px){
  .hz-toggle{display:inline-flex}
  .hz-nav{position:absolute;left:0;right:0;top:calc(100% + 2px);background:var(--paper);padding:.25rem 24px 1.4rem;display:grid;grid-template-columns:auto 1fr;column-gap:1rem;
    max-height:calc(100dvh - 70px);overflow-y:auto;overscroll-behavior:contain;border-bottom:1px solid var(--line);box-shadow:0 18px 30px -24px rgba(15,35,64,.35)}
  .hz-nav:not(.is-open){display:none}
  .hz-menu{grid-column:1/-1}
  .hz-drop summary{pointer-events:none;display:block;font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--brass-dark);padding:1.1rem .8rem .5rem;border-bottom:1px solid var(--line)}
  .hz-drop summary::after{content:none}
  .hz-panel{padding:.35rem 0 .2rem}
  .hz-direct{display:inline-block;margin-top:.9rem}
  .hz-direct+.hz-direct{margin-left:.5rem}
  .hz-direct a{display:inline-flex;align-items:center;min-height:40px;padding:.45rem 1rem;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--ink);text-decoration:none;font-size:15.5px;font-weight:600}
  .hz-quick{grid-column:1;display:flex;padding-top:1.2rem}
  .hz-quick li:not(.hz-keep-mobile){display:none}
  .hz-quick a{display:inline-flex;align-items:center;gap:.45rem;min-height:42px;padding:.45rem 1rem;border:1px solid var(--line);border-radius:999px;color:var(--ink);background:#fff;font-size:15px;font-weight:600}
  .hz-quick svg{width:18px;height:18px}
  .hz-cta{grid-column:2;justify-self:end;padding-top:1.2rem}
  .hz-cta small{display:none}
  .hz-btn{background:var(--ink);color:#fff;border-color:var(--ink)}
}
@media (max-width:600px){.hz-nav{padding-left:16px;padding-right:16px}}
@media (max-width:380px){.hz-btn{padding:.5rem 1rem;font-size:14.5px}}
/* Nur am PC: am Handy bleibt die bisherige Kopfzeile (Wunsch 07.10.2026) */
@media (max-width:1023px){.hz{display:none}}
@media (min-width:1024px){.site-header-mobil{display:none}}
/* ===== Ende Kopfzeile zweizeilig ===== */

/* ===== Hero kompakt (PC, seit 07.10.2026): Foto rechts mit versetzter Fläche dahinter ===== */
@media (min-width:961px){
  .hero{background:var(--ink)}
  .hero::before{display:none}
  .hero-grid{grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:64px;align-items:center;padding:48px 24px 60px}
  .hero-text{padding:0}
  .hero h1{font-size:clamp(36px,3.7vw,50px)}
  .hero .eyebrow{margin-bottom:14px}
  .hero .lead{font-size:17.5px;margin:18px 0 24px;max-width:520px}
  .hero .trust{margin-top:26px;padding-top:18px;gap:10px 24px}
  .hero .trust li{font-size:14.5px}
  .hero-photo{min-height:0;aspect-ratio:1/1;width:calc(100% - 36px);max-width:420px;justify-self:end;margin:36px 36px 0 0;clip-path:none;background:none;border-radius:var(--radius)}
  .hero-photo::before{content:"";position:absolute;inset:-36px -36px 36px 36px;background:#7cc0ff;border-radius:var(--radius);z-index:-1}
  .hero-photo img{border-radius:var(--radius);box-shadow:0 24px 48px -24px rgba(0,0,0,.55);object-position:50% 30%}
  .hero-photo::after{display:none}
}
@media (min-width:961px) and (max-width:1100px){.hero-grid{gap:48px}.hero-photo{margin:28px 28px 0 0}.hero-photo::before{inset:-28px -28px 28px 28px}}
/* ===== Ende Hero kompakt ===== */

/* ===== Hero Handy schlicht (bis 960 px, seit 08.10.2026): großes Foto oben, geschwungener Übergang, wenig Text ===== */
@media (max-width:960px){
  .hero{padding:0 0 36px;background:var(--ink)}
  .hero::before{display:none}
  .hero-grid{display:flex;flex-direction:column;padding:0 24px}
  .hero-photo{order:-1;position:relative;top:auto;left:auto;right:auto;width:auto;margin:0 -24px;height:min(62vw,380px);-webkit-mask-image:none;mask-image:none;background:#17325e}
  .hero-photo img{object-position:50% 28%}
  .hero-photo::after{display:block;content:"";position:absolute;inset:auto 0 -1px 0;height:44px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 60' preserveAspectRatio='none'%3E%3Cpath d='M0 60V38C320 0 780 -6 1200 26V60Z' fill='%230f2340'/%3E%3C/svg%3E") 0 100%/100% 100% no-repeat}
  .hero-text{display:flex;flex-direction:column;padding:14px 0 0}
  .hero .eyebrow,.hero .lead{display:none}
  .hero h1{order:1;text-shadow:none;font-size:clamp(32px,8.6vw,44px)}
  .hero .trust{order:2;margin:20px 0 26px;padding:0;border:0;grid-template-columns:1fr;gap:9px}
  .hero .trust li{font-size:16px}
  .hero .trust li:nth-child(n+4){display:none}
  .hero .hero-actions{order:3}
  .hero .hero-actions .btn-primary{width:100%;justify-content:center;padding-top:15px;padding-bottom:15px;font-size:17px}
  .hero .cta-note{order:4;display:block;text-align:center;margin-top:12px;font-size:14.5px}
  .hero .cta-note svg{display:inline;vertical-align:-3px;margin-right:6px}
}
@media (max-width:600px){.hero-grid{padding:0 16px}.hero-photo{margin:0 -16px}}
/* ===== Ende Hero Handy schlicht ===== */

/* ===== Schriftzug Firmenname (Kopfzeile, seit 08.10.2026): statt des drehenden Symbols ===== */
.brand-wm{font-family:var(--serif);font-weight:600;font-size:26px;letter-spacing:-.015em;line-height:1}
.brand-wm .wm-et{color:var(--brass);font-weight:700;letter-spacing:-.03em;margin-right:.02em}
.hz .brand-wm .wm-et{color:#7cc0ff}
.brand-wm+.brand-sub{margin-top:4px;letter-spacing:.06em;text-transform:uppercase;font-size:11px}
@media (max-width:420px){.brand-wm{font-size:23px}}
/* ===== Ende Schriftzug Firmenname ===== */

/* ===== Kopfzeile ausblenden (seit 08.10.2026): beim Runterscrollen weg, beim Hochscrollen wieder da ===== */
.hz,.site-header-mobil{transition:transform .28s ease}
body.kopf-weg .hz,body.kopf-weg .site-header-mobil{transform:translateY(-100%)}
body.kopf-weg .hz{transform:translateY(calc(-100% - 2px))}
.calc-intro{transition:top .28s ease}
body.kopf-weg .calc-intro{top:24px}
@media (prefers-reduced-motion:reduce){.hz,.site-header-mobil,.calc-intro{transition:none}}
/* ===== Ende Kopfzeile ausblenden ===== */

/* ===== Kopfzeile Landingpage (seit 08.10.2026): wie die Startseite, aber ohne Menüzeile, ein Ziel = Anfrage ===== */
@media (min-width:1024px){
  .hz-slim{background:var(--hz-bg)}
  .hz-slim .hz-inner{grid-template-rows:78px}
  body:has(.hz-slim) .calc-intro{top:102px}
  body:has(.hz-slim) section[id],body:has(.hz-slim) .card[id]{scroll-margin-top:96px}
}
/* Handy: wenig Text wie auf der Startseite, also ohne Badge über der Überschrift */
@media (max-width:960px){.hero .hero-badge{display:none}}
/* ===== Ende Kopfzeile Landingpage ===== */

/* ===== Hero Häkchen ===== */
.hero .hero-checks{list-style:none;padding:0;margin:22px 0 30px;display:grid;gap:10px;animation:rise .8s cubic-bezier(.2,.7,.2,1) .16s both}
.hero .hero-checks li{display:flex;align-items:center;gap:12px;font-size:18px;line-height:1.4;color:#e8eef8}
.hero .hero-checks svg{flex:none}
@media (min-width:961px){.hero .trust{display:none}.hero .cta-note svg{display:none}.hero .cta-note{margin-top:16px}}
/* Handy zeigt dieselben Inhalte wie der PC: Häkchen statt Vertrauensliste, beide Buttons */
@media (max-width:960px){
  .hero .trust{display:none}
  .hero .hero-checks{order:2;margin:18px 0 24px;gap:9px}
  .hero .hero-checks li{font-size:16px}
  .hero .hero-actions{display:flex;flex-direction:column;gap:10px}
  .hero .hero-actions .btn-ghost{width:100%;justify-content:center}
}
/* ===== Ende Hero Häkchen ===== */


/* ---------- Kreditivo (One-Pager) ---------- */
.cards-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:1100px){.cards-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.cards-4{grid-template-columns:1fr}}
.cards-4 .card h3{font-size:21px}
.cards-plain .card{padding:24px}
.cards-plain + .band{margin-top:40px}
.band-blue{background:#164a9c}
.band-blue p{color:#d6e8ff}
.tiles-label{font-size:12.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:16px 0 8px}
.tiles-label:first-of-type{margin-top:0}
.tabs-3 button{padding:9px 6px;font-size:13.5px}

/* ===== Menüzeile Handy: dieselben Abschnitte wie die PC-Kopfzeile ===== */
.mobil-menu{display:flex;gap:6px;overflow-x:auto;padding:0 16px 10px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.mobil-menu::-webkit-scrollbar{display:none}
.mobil-menu a{flex:none;padding:6px 12px;border:1px solid var(--line);border-radius:999px;font-size:14px;font-weight:500;color:var(--ink);text-decoration:none;background:var(--white)}
.mobil-menu a:hover,.mobil-menu a:focus-visible{border-color:#1f5fbf;color:#1f5fbf}
@media (max-width:1023px){section[id],.card[id]{scroll-margin-top:124px}}

/* Logo (Bildmarke im Anka-Stil) */
.brand-logo{display:block;height:26px;width:auto;align-self:flex-start}
.hz .brand-logo{height:32px}
.brand-logo+.brand-sub{margin-top:5px;letter-spacing:.06em;text-transform:uppercase;font-size:11px}
@media (max-width:420px){.brand-logo{height:23px}}
.footer-logo{display:block;height:35px;width:auto;margin:0 0 16px}