/* ============================================================
   CITY Leihhaus GmbH — Corporate Finance Theme
   Brand green: #106761 (identisch zu images/inr-2.jpg)
   ============================================================ */

/* ---------- Design Tokens ---------- */
:root{
  --bg:#F3F8F6;
  --surface:#ffffff;
  --surface-2:#F1F7F5;

  --ink:#0E2A26;         /* Überschriften */
  --text:#213531;        /* Fließtext */
  --muted:#5C6E6A;       /* Sekundärtext */

  --brand-dark:#0B3A36;  /* dunkle Flächen / Footer / Header-Logo */
  --brand-dark-2:#12514B;
  --green:#106761;       /* Primärfarbe / Aktionen */
  --green-600:#0C544F;   /* Hover */
  --green-700:#093F3B;
  --teal:#14A08F;        /* Akzent */
  --mint:#43C2B0;        /* heller Akzent auf dunkel */

  --tint:#E6F1EF;        /* helle Markentönung */
  --tint-2:#D7E9E5;
  --tint-strong:#CDE6E1;

  --border:#D9E6E2;
  --border-2:#C4D8D3;
  --line:#EAF1EF;

  --success:#1C8A57; --success-bg:#E6F5EC; --success-bd:#BCE3CC;
  --warn:#C7860B;    --warn-bg:#FBF3E2;    --warn-bd:#EAD3A0;
  --error:#C93636;   --error-bg:#FBECEC;   --error-bd:#EEC2C2;

  --shadow-xs:0 1px 3px rgba(11,58,54,.06);
  --shadow-sm:0 4px 14px rgba(11,58,54,.08);
  --shadow-md:0 14px 34px rgba(11,58,54,.10);
  --shadow-lg:0 24px 60px rgba(11,58,54,.16);
  --ring:0 0 0 3px rgba(16,103,97,.18);

  --r-sm:8px; --r:12px; --r-md:16px; --r-lg:20px; --r-xl:26px; --pill:999px;
  --maxw:1200px;
  --head-h:74px;
  --ease:cubic-bezier(.4,0,.2,1);
}

/* ---------- Reset ---------- */
*{box-sizing:border-box;}
html{scroll-behavior:smooth;scroll-padding-top:92px;-webkit-text-size-adjust:100%;}
body{
  margin:0;font-family:'Manrope',system-ui,-apple-system,'Segoe UI',sans-serif;
  color:var(--text);background:var(--surface);line-height:1.65;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden;
}
h1,h2,h3,h4,p{margin:0;}
img{max-width:100%;display:block;}
a{color:var(--green);text-decoration:none;transition:color .15s var(--ease);}
a:hover{color:var(--green-600);}
button{font-family:inherit;}
input,select,textarea{font-family:inherit;}
ul{margin:0;}
:focus-visible{outline:3px solid rgba(16,103,97,.5);outline-offset:2px;border-radius:6px;}
::selection{background:var(--green);color:#fff;}
.mono{font-family:'Roboto Mono',ui-monospace,monospace;}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0;}

/* ---------- Layout ---------- */
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
.section{padding:clamp(56px,7vw,96px) 0;}
.section--tint{background:var(--bg);}
.section--dark{background:var(--brand-dark);color:#fff;}
/* Full-bleed section with a background image + overlay */
.section-image{position:relative;overflow:hidden;background:var(--brand-dark);color:#fff;}
.section-image>.bgimg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;}
.section-image::after{content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(160deg,rgba(9,63,59,.92) 0%,rgba(11,58,54,.8) 55%,rgba(16,103,97,.68) 100%);}
.section-image>.container{position:relative;z-index:2;}
.section-image .eyebrow{color:var(--mint);}
.section-image>.container>.section-head h2{color:#fff;}
.section-image>.container>.section-head .lead{color:rgba(255,255,255,.85);}
.section-image>.container>.reveal>h2{color:#fff;}
.section-image>.container>.reveal>.lead{color:rgba(255,255,255,.85);}
.section-image .step h3{color:#fff;}
.section-image .step p{color:rgba(255,255,255,.82);}
.section-image .step-connector{background:rgba(255,255,255,.28);}
.section-image .step-num{background:#fff;color:var(--green);box-shadow:0 10px 22px rgba(0,0,0,.28);}
.section-image .step:last-child .step-num{background:var(--mint);color:var(--brand-dark);}
.section-head{max-width:680px;margin:0 auto clamp(34px,4vw,48px);text-align:center;}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:800;letter-spacing:.11em;
  text-transform:uppercase;color:var(--teal);}
.section--dark .eyebrow{color:var(--mint);}
h1,.h1{font-size:clamp(2.1rem,1.3rem+3vw,3.35rem);line-height:1.08;letter-spacing:-.025em;
  color:var(--ink);font-weight:800;text-wrap:balance;}
h2,.h2{font-size:clamp(1.65rem,1.2rem+1.7vw,2.35rem);line-height:1.14;letter-spacing:-.02em;
  color:var(--ink);font-weight:800;text-wrap:balance;}
.section--dark h2,.section--dark .h2{color:#fff;}
h3{color:var(--ink);font-weight:800;letter-spacing:-.01em;}
.lead{font-size:clamp(1.02rem,.98rem+.35vw,1.2rem);color:var(--muted);}
.section--dark .lead{color:rgba(255,255,255,.78);}
.mt-8{margin-top:8px;}.mt-14{margin-top:14px;}.mt-18{margin-top:18px;}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  height:52px;padding:0 24px;border-radius:var(--r);font-weight:700;font-size:1rem;
  cursor:pointer;border:1px solid transparent;transition:.18s var(--ease);white-space:nowrap;}
.btn svg{flex-shrink:0;}
.btn-primary{background:var(--green);color:#fff;border-color:var(--green);
  box-shadow:0 4px 14px rgba(16,103,97,.28);}
.btn-primary:hover{background:var(--green-600);color:#fff;transform:translateY(-1px);
  box-shadow:0 10px 24px rgba(16,103,97,.34);}
.btn-outline{background:var(--surface);color:var(--ink);border-color:var(--border-2);}
.btn-outline:hover{background:var(--surface-2);border-color:var(--green);color:var(--green);}
.btn-ghost{background:none;color:var(--green);height:auto;padding:6px 4px;}
.btn-ghost:hover{gap:12px;}
.btn-white{background:#fff;color:var(--brand-dark);}
.btn-white:hover{background:#fff;transform:translateY(-1px);box-shadow:var(--shadow-md);}
.btn-block{width:100%;}
.btn-lg{height:56px;padding:0 30px;font-size:1.05rem;}
.btn-sm{height:44px;padding:0 18px;font-size:.94rem;}
.link-arrow{display:inline-flex;align-items:center;gap:7px;color:var(--green);
  font-weight:700;transition:gap .18s var(--ease);}
.link-arrow:hover{gap:11px;color:var(--green-600);}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.9);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
  border-bottom:1px solid var(--border);transition:box-shadow .25s var(--ease);}
.site-header.is-scrolled{box-shadow:0 6px 24px rgba(11,58,54,.08);}
.nav{max-width:var(--maxw);margin:0 auto;padding:0 24px;height:var(--head-h);
  display:flex;align-items:center;justify-content:space-between;gap:20px;}
.logo{display:flex;align-items:center;gap:11px;flex-shrink:0;}
.logo svg{flex-shrink:0;}
.logo-svg{height:34px;width:auto;display:block;flex-shrink:0;}
@media(max-width:520px){.logo-svg{height:28px;}}
.logo-text{font-weight:800;font-size:1.28rem;letter-spacing:-.02em;color:var(--brand-dark);}
.logo-text b{color:var(--green);font-weight:800;}
.nav-links{display:flex;align-items:center;gap:2px;}
.nav-links a{padding:9px 13px;border-radius:var(--r-sm);color:var(--text);
  font-weight:600;font-size:.95rem;transition:.15s var(--ease);}
.nav-links a:hover{background:var(--tint);color:var(--green);}
.nav-links a.active{color:var(--green);background:var(--tint);}
.nav-right{display:flex;align-items:center;gap:14px;}
.nav-phone,.nav-wa{display:inline-flex;align-items:center;gap:8px;color:var(--brand-dark);
  font-weight:700;font-size:.92rem;}
.nav-phone:hover,.nav-wa:hover{color:var(--green);}
.nav-wa svg{color:#25D366;}
.nav-compact{display:none;align-items:center;gap:8px;}
.icon-btn{width:46px;height:46px;border-radius:var(--r);border:1px solid var(--border-2);
  background:var(--surface);color:var(--brand-dark);display:inline-flex;
  align-items:center;justify-content:center;cursor:pointer;flex-shrink:0;}
.icon-btn:hover{border-color:var(--green);color:var(--green);}

/* ---------- Drawer ---------- */
.drawer-overlay{position:fixed;inset:0;background:rgba(11,58,54,.5);
  backdrop-filter:blur(2px);-webkit-backdrop-filter:blur(2px);z-index:90;
  opacity:0;visibility:hidden;transition:opacity .3s var(--ease),visibility .3s;}
.drawer-overlay.open{opacity:1;visibility:visible;}
.drawer{position:fixed;top:0;right:0;height:100%;width:min(86vw,340px);background:#fff;
  z-index:100;box-shadow:-20px 0 50px rgba(11,58,54,.2);transform:translateX(105%);
  transition:transform .32s var(--ease);display:flex;flex-direction:column;padding:18px;}
.drawer.open{transform:translateX(0);}
.drawer-head{display:flex;align-items:center;justify-content:space-between;
  padding:6px 4px 18px;border-bottom:1px solid var(--line);}
.drawer nav{display:flex;flex-direction:column;padding:12px 0;gap:2px;}
.drawer nav a{padding:14px 12px;border-radius:var(--r);color:var(--text);
  font-weight:600;font-size:1.05rem;}
.drawer nav a:hover,.drawer nav a.active{background:var(--tint);color:var(--green);}
.drawer-foot{margin-top:auto;padding-top:16px;border-top:1px solid var(--line);
  display:flex;flex-direction:column;gap:12px;}

/* ---------- Hero (full-bleed slider) ---------- */
.hero{position:relative;overflow:hidden;background:var(--brand-dark);
  padding:clamp(40px,6vw,84px) 0 clamp(56px,7vw,96px);}
.hero-bg{position:absolute;inset:0;z-index:0;}
.hero-bg .slide::after{background:linear-gradient(105deg,rgba(9,63,59,.95) 0%,rgba(11,58,54,.82) 44%,rgba(11,58,54,.5) 100%);}
.hero .slider-dots{left:0;right:0;bottom:16px;justify-content:center;z-index:3;}
.hero-grid{position:relative;z-index:2;display:flex;flex-wrap:wrap;gap:clamp(30px,4vw,52px);
  align-items:center;}
.hero-col{flex:1 1 430px;min-width:290px;}
.hero .eyebrow{color:var(--mint);}
.hero h1{margin-top:14px;color:#fff;}
.hero .lead{color:rgba(255,255,255,.86);}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px;}
.hero .btn-outline{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.45);}
.hero .btn-outline:hover{background:rgba(255,255,255,.22);color:#fff;border-color:#fff;}
.hero-trust{display:flex;flex-wrap:wrap;gap:14px 26px;margin-top:26px;padding-top:24px;
  border-top:1px solid rgba(255,255,255,.2);}
.trust-item{display:inline-flex;align-items:center;gap:8px;font-weight:700;
  color:#fff;font-size:.95rem;}
.trust-item svg{color:var(--mint);}

/* ---------- Hero Slider ---------- */
.hero-media{margin-top:28px;position:relative;width:100%;
  height:clamp(280px,36vw,420px);border-radius:var(--r-lg);overflow:hidden;
  box-shadow:var(--shadow-lg);border:1px solid var(--border);}
.slider{position:relative;width:100%;height:100%;}
.slide{position:absolute;inset:0;opacity:0;transform:scale(1.06);
  transition:opacity .9s var(--ease),transform 6s linear;z-index:0;}
.slide img{width:100%;height:100%;object-fit:cover;}
.slide::after{content:"";position:absolute;inset:0;
  background:linear-gradient(120deg,rgba(11,58,54,.72),rgba(16,103,97,.28) 55%,rgba(11,58,54,.05));}
.slide.active{opacity:1;transform:scale(1);z-index:1;}
.slide-caption{position:absolute;left:0;right:0;bottom:0;z-index:2;padding:24px 26px;color:#fff;}
.slide-caption .tag{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.16);
  backdrop-filter:blur(4px);border:1px solid rgba(255,255,255,.28);border-radius:var(--pill);
  padding:5px 13px;font-size:.76rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;}
.slide-caption h3{color:#fff;font-size:clamp(1.15rem,1rem+1vw,1.6rem);margin-top:12px;
  max-width:460px;text-shadow:0 2px 18px rgba(0,0,0,.3);}
.slider-dots{position:absolute;bottom:18px;right:22px;z-index:3;display:flex;gap:8px;}
.slider-dots button{width:9px;height:9px;padding:0;border:none;border-radius:50%;
  background:rgba(255,255,255,.45);cursor:pointer;transition:.2s;}
.slider-dots button.active{background:#fff;width:26px;border-radius:5px;}
.slider-arrow{position:absolute;top:50%;transform:translateY(-50%);z-index:3;
  width:44px;height:44px;border-radius:50%;border:none;cursor:pointer;
  background:rgba(255,255,255,.9);color:var(--brand-dark);display:inline-flex;
  align-items:center;justify-content:center;box-shadow:var(--shadow-sm);opacity:0;transition:.2s;}
.hero-media:hover .slider-arrow{opacity:1;}
.slider-arrow:hover{background:#fff;color:var(--green);}
.slider-arrow.prev{left:16px;}.slider-arrow.next{right:16px;}

/* ---------- Cards / Calculator ---------- */
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-md);
  box-shadow:var(--shadow-xs);}
.calc-card{flex:0 1 460px;min-width:300px;background:#fff;border:1px solid var(--border);
  border-radius:var(--r-lg);padding:clamp(22px,2.5vw,30px);box-shadow:var(--shadow-lg);
  scroll-margin-top:92px;}
.calc-head{display:flex;align-items:center;gap:11px;}
.calc-head .ico{width:46px;height:46px;border-radius:var(--r);background:var(--tint);
  color:var(--green);display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;}
.calc-title{font-weight:800;font-size:1.18rem;color:var(--ink);flex:1;}
.badge{display:inline-flex;align-items:center;gap:5px;background:var(--tint);color:var(--green-700);
  font-weight:800;font-size:.7rem;padding:5px 10px;border-radius:var(--pill);
  text-transform:uppercase;letter-spacing:.04em;}
.badge-soft{background:var(--tint);color:var(--green-700);}
.field{margin-bottom:20px;}
.field:last-child{margin-bottom:0;}
.label{display:block;font-weight:700;font-size:.9rem;color:var(--ink);margin-bottom:8px;}
.opt{color:var(--muted);font-weight:500;}
.req{color:var(--error);font-weight:700;}
.input-wrap{position:relative;}
.input,.select,.textarea{width:100%;height:52px;padding:0 16px;border:1px solid var(--border);
  border-radius:var(--r);background:#fff;font-size:1rem;color:var(--text);outline:none;
  transition:border-color .15s,box-shadow .15s;}
.input:focus,.select:focus,.textarea:focus{border-color:var(--green);box-shadow:var(--ring);}
.input--lg{height:54px;font-size:1.2rem;font-weight:700;padding-right:42px;}
.input.err,.select.err,.textarea.err{border-color:var(--error);background:#FDF6F6;}
.textarea{height:auto;min-height:130px;padding:13px 16px;resize:vertical;line-height:1.6;}
.select{appearance:none;-webkit-appearance:none;padding-right:42px;cursor:pointer;}
.suffix{position:absolute;right:16px;top:50%;transform:translateY(-50%);color:var(--muted);
  font-weight:700;pointer-events:none;}
.chev{position:absolute;right:14px;top:50%;transform:translateY(-50%);pointer-events:none;color:var(--muted);}
.help{font-size:.8rem;color:var(--muted);margin-top:8px;}
.err-msg{display:none;align-items:center;gap:6px;font-size:.8rem;color:var(--error);
  margin-top:6px;font-weight:600;}
.err-msg.show{display:flex;}
.field.invalid .err-msg{display:flex;}

/* Range slider */
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;
  border-radius:99px;background:var(--tint-strong);cursor:pointer;outline:none;margin:14px 0 2px;}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;
  border-radius:50%;background:var(--green);border:3px solid #fff;
  box-shadow:0 2px 8px rgba(16,103,97,.4);cursor:pointer;}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--green);
  border:3px solid #fff;box-shadow:0 2px 8px rgba(16,103,97,.4);cursor:pointer;}
.range-legend{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-top:2px;}

.calc-result{margin-top:20px;background:var(--surface-2);border:1px solid var(--border);
  border-radius:var(--r-md);padding:18px 20px;}
.result-row{display:flex;justify-content:space-between;gap:12px;font-size:.9rem;margin-bottom:9px;}
.result-row:last-child{margin-bottom:0;}
.result-row .k{color:var(--muted);}
.result-row .v{color:var(--ink);font-weight:700;}
.result-main{display:flex;justify-content:space-between;align-items:baseline;gap:12px;}
.result-main .k{font-size:.9rem;color:var(--muted);font-weight:700;}
.result-main .v{font-size:1.85rem;font-weight:800;color:var(--ink);letter-spacing:-.02em;}
.hr{height:1px;background:var(--border);margin:14px 0;}
.fineprint{font-size:.76rem;color:var(--muted);margin-top:12px;line-height:1.5;}
.ph{color:#8593A6;background:var(--surface-2);border:1px dashed var(--border-2);
  border-radius:4px;padding:1px 6px;font-size:.86em;}

/* ---------- Product grid ---------- */
.grid{display:grid;gap:24px;}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr));}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(230px,1fr));}
.product-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-md);
  padding:30px;display:flex;flex-direction:column;gap:14px;box-shadow:var(--shadow-xs);
  transition:.22s var(--ease);position:relative;overflow:hidden;}
.product-card::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;
  background:linear-gradient(90deg,var(--green),var(--teal));transform:scaleX(0);
  transform-origin:left;transition:transform .3s var(--ease);}
.product-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px);border-color:var(--border-2);}
.product-card:hover::before{transform:scaleX(1);}
.icon-badge{width:54px;height:54px;border-radius:var(--r);background:var(--tint);color:var(--green);
  display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;}
.icon-badge.alt{background:#EAF6F3;color:var(--teal);}
.product-card h3{font-size:1.2rem;}
.product-card p{color:var(--muted);flex:0 0 auto;}
.product-card .link-arrow{margin-top:auto;}
.tags{display:flex;flex-wrap:wrap;gap:7px;}
.tag-mini{font-size:.74rem;font-weight:700;color:var(--green-700);background:var(--tint);
  padding:3px 9px;border-radius:var(--pill);}

/* ---------- Steps ---------- */
.steps{position:relative;}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative;}
.step{position:relative;z-index:1;display:flex;flex-direction:column;align-items:center;
  text-align:center;gap:14px;}
.step-num{width:56px;height:56px;border-radius:var(--r-md);background:var(--brand-dark);color:#fff;
  display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:1.25rem;
  flex-shrink:0;box-shadow:0 8px 18px rgba(11,58,54,.22);}
.step:last-child .step-num{background:var(--green);box-shadow:0 8px 18px rgba(16,103,97,.3);}
.step-connector{position:absolute;top:28px;left:12.5%;right:12.5%;height:2px;
  background:var(--border-2);z-index:0;}
.step h3{font-size:1.1rem;}
.step p{color:var(--muted);font-size:.95rem;}

/* ---------- Benefits ---------- */
.benefit{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--border);
  border-radius:var(--r);padding:22px;transition:.2s var(--ease);}
.benefit:hover{border-color:var(--border-2);box-shadow:var(--shadow-sm);}
.benefit .ico{width:46px;height:46px;border-radius:var(--r-sm);background:var(--tint);color:var(--green);
  display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;}
.benefit h3{font-size:1.02rem;margin-bottom:5px;}
.benefit p{color:var(--muted);font-size:.92rem;}

/* ---------- Media band with overlay ---------- */
.media-band{position:relative;border-radius:var(--r-lg);overflow:hidden;
  border:1px solid var(--border);box-shadow:var(--shadow-md);}
.media-band img{width:100%;height:100%;object-fit:cover;}
.media-band--tall{height:clamp(240px,30vw,340px);}

/* ---------- Stats ---------- */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;}
.stat{text-align:center;padding:26px 18px;background:rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.12);border-radius:var(--r-md);}
.section--dark .stat .num{font-size:clamp(2rem,1.4rem+2vw,2.9rem);font-weight:800;color:#fff;letter-spacing:-.02em;}
.section--dark .stat .lbl{color:rgba(255,255,255,.72);font-weight:600;margin-top:6px;font-size:.92rem;}
.stat--light{background:var(--tint);border-color:var(--tint-2);}
.stat--light .num{font-size:clamp(2rem,1.4rem+2vw,2.9rem);font-weight:800;color:var(--green);letter-spacing:-.02em;}
.stat--light .lbl{color:var(--muted);font-weight:600;margin-top:6px;font-size:.92rem;}

/* ---------- Requirements / checklist ---------- */
.check-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px 20px;}
.check{display:flex;gap:11px;align-items:center;}
.check svg{color:var(--teal);flex-shrink:0;}
.check span{color:var(--text);font-weight:600;font-size:.96rem;}
.note{display:flex;gap:11px;align-items:flex-start;background:var(--tint);border:1px solid var(--tint-2);
  border-radius:var(--r);padding:15px 17px;}
.note svg{color:var(--green);flex-shrink:0;margin-top:1px;}
.note p{color:var(--text);font-size:.92rem;}

/* dark check chips */
.chip-dark{display:flex;gap:11px;align-items:center;background:rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:14px 16px;}
.chip-dark svg{color:var(--mint);flex-shrink:0;}
.chip-dark span{color:#fff;font-weight:600;font-size:.93rem;}

/* ---------- Testimonials ---------- */
.tst-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;}
.tst{background:#fff;border:1px solid var(--border);border-radius:var(--r-md);padding:28px;
  box-shadow:var(--shadow-xs);display:flex;flex-direction:column;gap:16px;}
.tst .stars{display:flex;gap:2px;color:#E3A008;}
.tst blockquote{margin:0;color:var(--text);font-size:1.02rem;line-height:1.6;}
.tst .who{display:flex;align-items:center;gap:12px;margin-top:auto;}
.tst .who img{width:48px;height:48px;border-radius:50%;object-fit:cover;flex-shrink:0;}
.tst .who .n{font-weight:800;color:var(--ink);font-size:.95rem;}
.tst .who .r{color:var(--muted);font-size:.84rem;}

/* ---------- FAQ ---------- */
.faq{border:1px solid var(--border);border-radius:var(--r-md);overflow:hidden;background:#fff;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-item:last-child{border-bottom:none;}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:19px 22px;background:none;border:none;cursor:pointer;text-align:left;
  font-size:1.02rem;font-weight:700;color:var(--ink);}
.faq-q .chev{position:static;transform:none;color:var(--green);flex-shrink:0;transition:transform .25s var(--ease);}
.faq-item.open .faq-q .chev{transform:rotate(180deg);}
.faq-a{overflow:hidden;max-height:0;opacity:0;transition:max-height .32s var(--ease),opacity .25s;}
.faq-item.open .faq-a{max-height:420px;opacity:1;}
.faq-a p{padding:0 22px 20px;color:var(--muted);line-height:1.65;}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;text-align:center;color:#fff;border-radius:var(--r-xl);
  padding:clamp(40px,6vw,72px) 28px;}
.cta-band img.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;}
.cta-band::after{content:"";position:absolute;inset:0;z-index:1;
  background:linear-gradient(120deg,rgba(9,63,59,.92),rgba(16,103,97,.82));}
.cta-band .inner{position:relative;z-index:2;max-width:720px;margin:0 auto;}
.cta-band h2{color:#fff;}
.cta-band p{color:rgba(255,255,255,.85);font-size:1.08rem;margin-top:16px;}

/* ---------- Alerts ---------- */
.alert{display:flex;gap:12px;border-radius:var(--r);padding:15px 17px;align-items:flex-start;}
.alert svg{flex-shrink:0;margin-top:1px;}
.alert-info{background:var(--tint);border:1px solid var(--tint-2);}
.alert-info svg{color:var(--green);}
.alert-success{background:var(--success-bg);border:1px solid var(--success-bd);}
.alert-success svg{color:var(--success);}
.alert-warn{background:var(--warn-bg);border:1px solid var(--warn-bd);}
.alert-warn svg{color:var(--warn);}
.alert-error{background:var(--error-bg);border:1px solid var(--error-bd);}
.alert-error svg{color:var(--error);}
.alert strong{color:var(--ink);}

/* ---------- Footer ---------- */
.site-footer{background:var(--brand-dark);color:rgba(255,255,255,.72);padding:64px 0 30px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:36px 28px;}
.footer-brand .logo-text{color:#fff;}
.footer-brand .logo-text b{color:var(--mint);}
.footer-brand p{font-size:.92rem;line-height:1.6;max-width:280px;margin-top:16px;}
.footer-col h4{color:#fff;font-weight:700;font-size:.95rem;margin-bottom:14px;}
.footer-col .links{display:flex;flex-direction:column;gap:11px;font-size:.92rem;}
.footer-col a,.footer-col button.linklike{color:rgba(255,255,255,.72);background:none;
  border:none;padding:0;font:inherit;text-align:left;cursor:pointer;}
.footer-col a:hover,.footer-col button.linklike:hover{color:#fff;}
.footer-contact div{font-size:.92rem;line-height:1.8;color:rgba(255,255,255,.72);}
.footer-contact a{color:#fff;font-weight:600;}
.footer-contact a:hover{color:var(--mint);}
.footer-col h4{display:flex;align-items:center;gap:8px;}
.footer-col h4 svg{color:var(--mint);flex-shrink:0;}
.footer-contact .fc{display:flex;gap:10px;align-items:flex-start;margin-bottom:10px;line-height:1.5;}
.footer-contact .fc svg{color:var(--mint);flex-shrink:0;margin-top:3px;}
.footer-col .links a,.footer-col .links button.linklike{display:inline-flex;align-items:center;gap:8px;}
.footer-col .links svg{color:var(--mint);flex-shrink:0;opacity:.85;}
.footer-sep{height:1px;background:rgba(255,255,255,.12);margin:36px 0 22px;}
.footer-legal{font-size:.82rem;line-height:1.6;color:rgba(255,255,255,.58);max-width:940px;
  text-align:center;margin-left:auto;margin-right:auto;}
.footer-copy{font-size:.82rem;color:rgba(255,255,255,.5);margin-top:14px;text-align:center;}

/* ---------- Cookie banner ---------- */
.cookie{position:fixed;left:20px;bottom:20px;width:440px;max-width:calc(100vw - 40px);z-index:80;
  background:#fff;border:1px solid var(--border);border-radius:var(--r-md);
  box-shadow:var(--shadow-lg);padding:22px;transform:translateY(160%);opacity:0;visibility:hidden;
  transition:transform .4s var(--ease),opacity .3s,visibility .3s;}
.cookie.show{transform:translateY(0);opacity:1;visibility:visible;}
.cookie h4{font-weight:800;color:var(--ink);font-size:1.05rem;margin-bottom:6px;}
.cookie p{font-size:.88rem;color:var(--muted);line-height:1.55;}
.cookie-actions{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px;}
.cookie-actions .btn{height:46px;flex:1 1 auto;min-width:120px;font-size:.92rem;}
.cookie-prefs{overflow:hidden;max-height:0;opacity:0;transition:max-height .3s var(--ease),opacity .25s;}
.cookie-prefs.open{max-height:360px;opacity:1;margin-top:14px;}
.pref-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:8px 0;}
.pref-row .t{font-weight:700;color:var(--ink);font-size:.9rem;}
.pref-row .d{font-size:.78rem;color:var(--muted);}

/* Toggle */
.toggle{width:44px;height:26px;border-radius:99px;background:#CBD5D2;position:relative;
  border:none;padding:0;cursor:pointer;transition:.2s;flex-shrink:0;}
.toggle.on{background:var(--green);}
.toggle .knob{position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;
  background:#fff;transition:.2s;}
.toggle.on .knob{left:21px;}
.toggle.locked{opacity:.7;cursor:not-allowed;background:var(--teal);}

/* ---------- Mobile bottom CTA ---------- */
.bottom-cta{position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;gap:10px;
  padding:10px 14px;background:#fff;border-top:1px solid var(--border);
  box-shadow:0 -8px 24px rgba(11,58,54,.08);}
.bottom-cta .icon-btn{width:52px;height:52px;}
.bottom-cta .btn{flex:1;height:52px;}

/* ---------- WhatsApp float (left) ---------- */
.wa-float{position:fixed;left:18px;bottom:88px;z-index:65;width:56px;height:56px;border-radius:50%;
  background:#25D366;color:#fff;display:inline-flex;align-items:center;justify-content:center;
  box-shadow:0 8px 24px rgba(37,211,102,.45);transition:transform .2s var(--ease);}
.wa-float:hover{transform:scale(1.08);color:#fff;}
@media(min-width:701px){.wa-float{bottom:24px;}}

/* ---------- Back to top (right) ---------- */
.to-top{position:fixed;right:18px;bottom:88px;z-index:65;width:50px;height:50px;border-radius:50%;
  border:none;cursor:pointer;background:var(--brand-dark);color:#fff;display:inline-flex;
  align-items:center;justify-content:center;box-shadow:var(--shadow-md);
  opacity:0;visibility:hidden;transform:translateY(12px);transition:.28s var(--ease);}
.to-top.show{opacity:1;visibility:visible;transform:none;}
.to-top:hover{background:var(--green);}
@media(min-width:701px){.to-top{bottom:24px;}}

/* ---------- Preloader ---------- */
.preloader{position:fixed;inset:0;z-index:10000;display:none;align-items:center;justify-content:center;
  background:radial-gradient(1200px 600px at 50% -10%, #ecf5f2, var(--bg));
  transition:opacity .5s var(--ease),visibility .5s;}
.js .preloader{display:flex;animation:plFailsafe 0s linear 6s forwards;} /* nur mit JS; CSS-Failsafe blendet spätestens nach 6s aus */
.preloader.hidden{opacity:0;visibility:hidden;}
@keyframes plFailsafe{to{opacity:0;visibility:hidden;pointer-events:none;}}
.preloader-inner{display:flex;flex-direction:column;align-items:center;gap:16px;}
.preloader-logo{animation:plpulse 1.5s var(--ease) infinite;}
.preloader-word{font-weight:800;font-size:1.2rem;color:var(--brand-dark);letter-spacing:-.02em;}
.preloader-word b{color:var(--green);}
.preloader-bar{width:160px;height:4px;border-radius:99px;background:var(--tint-strong);overflow:hidden;position:relative;}
.preloader-bar i{position:absolute;left:-45%;top:0;height:100%;width:45%;border-radius:99px;
  background:linear-gradient(90deg,var(--green),var(--teal));animation:plbar 1.15s var(--ease) infinite;}
@keyframes plpulse{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
@keyframes plbar{0%{left:-45%}100%{left:100%}}

/* ---------- Scroll progress ---------- */
.scroll-progress{position:fixed;top:0;left:0;height:3px;width:0;z-index:61;pointer-events:none;
  background:linear-gradient(90deg,var(--green),var(--teal),var(--mint));transition:width .1s linear;}

/* ---------- Simulator (split calculator) ---------- */
.sim-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);
  box-shadow:var(--shadow-lg);overflow:hidden;display:grid;grid-template-columns:1fr 1fr;max-width:1000px;margin:0 auto;}
.sim-left{padding:clamp(20px,3vw,38px);min-width:0;}
.sim-right{padding:clamp(20px,3vw,38px);background:var(--brand-dark);color:#fff;display:flex;flex-direction:column;min-width:0;}
.sim-left input[type=range]{max-width:100%;}
.sim-right .r-row .v{white-space:nowrap;}
.sim-right .r-label{color:rgba(255,255,255,.72);font-weight:600;font-size:.9rem;}
.sim-right .r-main{font-size:clamp(2rem,1.4rem+2vw,2.75rem);font-weight:800;color:#fff;letter-spacing:-.02em;margin-top:4px;}
.sim-right .r-row{display:flex;justify-content:space-between;gap:12px;font-size:.94rem;padding:10px 0;border-top:1px solid rgba(255,255,255,.13);}
.sim-right .r-row:first-of-type{border-top:none;}
.sim-right .r-row .k{color:rgba(255,255,255,.72);}
.sim-right .r-row .v{color:#fff;font-weight:700;}
@media(max-width:820px){.sim-card{grid-template-columns:1fr;}}

/* ---------- Reveal animation (only when JS is active) ---------- */
.reveal{opacity:1;transform:none;}
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .6s var(--ease),transform .6s var(--ease);}
.js .reveal.in{opacity:1;transform:none;}
.reveal.d1{transition-delay:.08s;}.reveal.d2{transition-delay:.16s;}
.reveal.d3{transition-delay:.24s;}.reveal.d4{transition-delay:.32s;}
@keyframes spin{to{transform:rotate(360deg);}}
.spinner{width:18px;height:18px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;
  border-radius:50%;display:inline-block;animation:spin .7s linear infinite;}

/* ---------- Page hero (subpages) ---------- */
.page-hero{background:linear-gradient(180deg,var(--bg),#fff);border-bottom:1px solid var(--line);
  padding:clamp(24px,4vw,40px) 0 clamp(32px,5vw,50px);}
.crumbs{display:flex;align-items:center;gap:8px;font-size:.85rem;color:var(--muted);margin-bottom:18px;}
.crumbs a{color:var(--muted);}
.crumbs a:hover{color:var(--green);}
.crumbs .sep{color:var(--border-2);}
.crumbs .cur{color:var(--ink);font-weight:600;}

/* ---------- Legal / prose ---------- */
.prose{max-width:820px;margin:0 auto;padding:clamp(30px,5vw,56px) 24px clamp(48px,7vw,80px);}
.prose h2{font-size:1.4rem;margin:34px 0 12px;}
.prose h3{font-size:1.08rem;margin:22px 0 8px;}
.prose p{color:var(--text);margin-bottom:14px;}
.prose ul{margin:0 0 14px;padding-left:20px;color:var(--text);}
.prose li{margin-bottom:7px;}
.prose a{font-weight:600;}
.prose .meta-card{background:var(--surface-2);border:1px solid var(--border);border-radius:var(--r-md);padding:22px 24px;margin:18px 0;}
.prose .meta-card p{margin-bottom:6px;}
.prose .muted{color:var(--muted);font-size:.9rem;}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:24px;align-items:start;}
.contact-side{position:sticky;top:92px;}
.info-card{background:var(--brand-dark);border-radius:var(--r-lg);padding:26px;color:#fff;}
.info-card h3{color:#fff;font-size:1.1rem;margin-bottom:16px;}
.info-row{display:flex;gap:12px;align-items:flex-start;margin-bottom:16px;}
.info-row:last-child{margin-bottom:0;}
.info-row .ico{width:38px;height:38px;border-radius:var(--r-sm);background:rgba(255,255,255,.08);
  color:var(--mint);display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;}
.info-row .lbl{font-size:.78rem;color:rgba(255,255,255,.6);}
.info-row a,.info-row .val{color:#fff;font-weight:700;text-decoration:none;}
.info-row a:hover{color:var(--mint);}

/* consent checkbox */
.consent{display:flex;align-items:flex-start;gap:12px;background:none;border:none;padding:0;
  cursor:pointer;text-align:left;width:100%;}
.consent .cb{width:22px;height:22px;border-radius:6px;border:2px solid var(--border-2);background:#fff;
  display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;transition:.15s;}
.consent.on .cb{border-color:var(--green);background:var(--green);}
.consent .cb svg{opacity:0;transition:.15s;}
.consent.on .cb svg{opacity:1;}
.consent.err .cb{border-color:var(--error);}
.consent span.txt{font-size:.92rem;color:var(--text);line-height:1.5;}

/* ---------- Apply (multi-step) ---------- */
.apply-body{background:var(--bg);min-height:100vh;}
.progress-wrap{position:sticky;top:var(--head-h);z-index:50;background:rgba(243,248,246,.95);
  backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-bottom:1px solid var(--border);
  padding:18px 0 14px;}
.stepper{display:flex;position:relative;align-items:flex-start;justify-content:space-between;}
.stepper-line{position:absolute;top:19px;left:6%;right:6%;height:2px;background:var(--border-2);}
.stepper-fill{position:absolute;top:19px;left:6%;height:2px;background:var(--success);
  transition:width .3s var(--ease);z-index:0;max-width:88%;}
.stp{position:relative;z-index:1;display:flex;flex-direction:column;align-items:center;gap:8px;flex:1;}
.stp .dot{width:38px;height:38px;border-radius:50%;display:inline-flex;align-items:center;
  justify-content:center;flex-shrink:0;transition:.2s;background:#fff;border:2px solid var(--border-2);
  color:#8593A6;font-weight:700;font-size:.9rem;}
.stp.done .dot{background:var(--success);border-color:var(--success);color:#fff;}
.stp.current .dot{background:var(--green);border-color:var(--green);color:#fff;box-shadow:0 0 0 4px rgba(16,103,97,.16);}
.stp .cap{font-size:.8rem;font-weight:700;text-align:center;color:#8593A6;}
.stp.current .cap{color:var(--ink);}
.stp.done .cap{color:var(--success);}
.mob-prog{display:none;}
.mob-prog .bar{height:7px;background:var(--tint-strong);border-radius:99px;overflow:hidden;}
.mob-prog .bar span{display:block;height:100%;background:var(--green);border-radius:99px;transition:width .3s var(--ease);}
.apply-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:24px;align-items:start;
  max-width:1140px;margin:0 auto;padding:clamp(20px,3vw,32px) 24px clamp(48px,6vw,72px);}
.apply-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);
  box-shadow:var(--shadow-xs);overflow:hidden;}
.apply-card-inner{padding:clamp(22px,3vw,34px);}
.fstep{display:block;margin-bottom:26px;}
.js .fstep{display:none;margin-bottom:0;}
.js .fstep.active{display:block;animation:fade .35s var(--ease);}
.hide-sm{display:inline;}
@media(max-width:600px){.hide-sm{display:none;}}
@keyframes fade{from{opacity:0;transform:translateY(12px);}to{opacity:1;transform:none;}}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px;}
.col-span{grid-column:1/-1;}
@media(max-width:640px){.form-grid{grid-template-columns:1fr;}}
.nav-row{display:flex;gap:12px;justify-content:space-between;margin-top:28px;padding-top:22px;
  border-top:1px solid var(--line);}
.summary-side{position:sticky;top:150px;}
.review-block{border:1px solid var(--border);border-radius:var(--r);overflow:hidden;}
.review-head{display:flex;align-items:center;justify-content:space-between;gap:10px;
  background:var(--surface-2);padding:12px 16px;border-bottom:1px solid var(--border);}
.review-head span{font-weight:800;color:var(--ink);font-size:.95rem;}
.review-body{padding:14px 16px;color:var(--text);white-space:pre-line;font-size:.94rem;}
.edit-btn{display:inline-flex;align-items:center;gap:5px;background:none;border:none;color:var(--green);
  font-weight:700;font-size:.85rem;cursor:pointer;}
.dropzone{display:flex;flex-direction:column;align-items:center;gap:3px;width:100%;
  border:2px dashed var(--border-2);border-radius:var(--r);padding:16px;background:var(--surface-2);cursor:pointer;}
.dropzone:hover{border-color:var(--green);}
.dropzone svg{color:var(--green);margin-bottom:4px;}
.dropzone .t{font-size:.82rem;color:var(--green);font-weight:700;}
.dropzone .s{font-size:.72rem;color:var(--muted);}
.uploaded{border:1px solid var(--border);border-radius:var(--r);padding:12px;}
.saved-pill{display:none;align-items:center;gap:6px;font-size:.8rem;font-weight:700;color:var(--success);}
.saved-pill.show{display:inline-flex;}

/* ---------- Responsive ---------- */
@media(max-width:1000px){
  .nav-links,.nav-right{display:none;}
  .nav-compact{display:flex;}
  .footer-grid{grid-template-columns:repeat(2,1fr);}
}
@media(max-width:900px){
  .contact-grid{grid-template-columns:1fr;}
  .contact-side{position:static;}
  .apply-layout{grid-template-columns:1fr;}
  .summary-side{position:static;margin-top:20px;}
  .stepper{display:none;}
  .mob-prog{display:block;}
}
@media(max-width:760px){
  .steps-grid{grid-template-columns:1fr;gap:24px;}
  .step{flex-direction:row;text-align:left;align-items:flex-start;gap:16px;}
  .step-connector{top:20px;bottom:20px;left:27px;right:auto;width:2px;height:auto;}
  .step .step-txt{flex:1;}
}
@media(max-width:700px){
  .footer-grid{grid-template-columns:1fr;}
  .bottom-cta{display:flex;}
  .cookie{left:12px;right:12px;bottom:12px;width:auto;max-width:none;}
  body.has-bottom-cta{padding-bottom:74px;}
  .btn{width:100%;}
  .hero-actions .btn{width:100%;}
  .nav-row .btn{width:100%;}
}
@media(max-width:520px){
  .container{padding:0 18px;}
  .logo-text{font-size:1.12rem;}
}
@media(prefers-reduced-motion:reduce){
  *{animation-duration:.001ms!important;transition-duration:.05ms!important;scroll-behavior:auto!important;}
  .reveal{opacity:1;transform:none;}
}
@media print{
  .site-header,.site-footer,.bottom-cta,.cookie,.wa-float,.nav-row,.progress-wrap,.summary-side{display:none!important;}
}