/* =====================================================================
   Iberica Kredit – Stylesheet
   Farben: Falls du bei deinem Navy bleibst, #13294B durch #202D4B ersetzen
   ===================================================================== */

/* Schrift: Datei "InterVariable.woff2" in den Ordner assets/fonts legen
   (kostenlos auf https://rsms.me/inter/). Ohne Datei wird eine ähnliche
   Systemschrift verwendet. */
@font-face {
  font-family: "Inter";
  src: url("../fonts/InterVariable.woff2") format("woff2");
  font-weight: 100 900;
  font-display: swap;
}

:root {
  --navy: #13294B;
  --navy-2: #1B3560;
  --gold: #B89A5A;
  --gold-dark: #7D6A3E;
  --text: #4A5068;
  --muted: #6B7086;
  --line: #E6E2D8;
  --grey-bg: #F5F6F8;
  --soft: #C9CEE0;
  --white: #FFFFFF;
  --radius: 20px;
  --shadow-card: 0 1px 2px rgba(19,41,75,.04), 0 8px 24px -8px rgba(19,41,75,.10);
  --shadow-card-hover: 0 2px 4px rgba(19,41,75,.05), 0 16px 32px -10px rgba(19,41,75,.18);
  --container: 1088px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; -webkit-text-size-adjust: 100%; }
body {
  margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.5;
  color: var(--navy); background: var(--white); -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
h1, h2, h3, p, ul { margin: 0; }
ul { padding: 0; list-style: none; }
button { font: inherit; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; }
.section--grey { background: var(--grey-bg); }

.skip-link { position: absolute; left: -9999px; top: 8px; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 16px; }

:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

/* ---------- Wiederkehrende Bausteine ---------- */
.eyebrow { font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark); }
.goldline { width: 56px; height: 2px; background: var(--gold); }
.section-head { display: flex; flex-direction: column; gap: 14px; margin-bottom: 56px; }
.section-head--center { align-items: center; text-align: center; }
.section-head h2 { font-size: 40px; line-height: 1.15; font-weight: 600; letter-spacing: -.02em; }
.section-head p { font-size: 18px; line-height: 1.55; color: var(--text); max-width: 600px; }

.icon-circle {
  width: 48px; height: 48px; flex-shrink: 0; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
}
.icon-circle svg { width: 22px; height: 22px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  height: 50px; padding: 0 24px; border-radius: 12px; border: 1px solid transparent;
  font-size: 15px; font-weight: 600; text-decoration: none; white-space: nowrap; cursor: pointer;
  transition: background .15s, color .15s, border-color .15s, transform .15s, box-shadow .15s;
}
.btn svg { width: 16px; height: 16px; transition: transform .2s; }
.btn:hover svg.arrow { transform: translateX(3px); }
.btn--primary { background: var(--navy); color: #fff; }
.btn--primary:hover { background: var(--navy-2); }
.btn--white { background: #fff; color: var(--navy); }
.btn--white:hover { box-shadow: 0 6px 16px rgba(0,0,0,.18); transform: translateY(-1px); }
.btn--ghost-light { border-color: rgba(255,255,255,.55); color: #fff; }
.btn--ghost-light:hover { background: rgba(255,255,255,.08); border-color: #fff; }
.btn--outline { border-color: var(--navy); color: var(--navy); background: #fff; }
.btn--outline:hover { background: var(--navy); color: #fff; }
.btn--sm { height: 42px; padding: 0 18px; font-size: 14px; }

/* =====================================================================
   HEADER
   ===================================================================== */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.header.is-scrolled { border-bottom-color: #ECEEF2; box-shadow: 0 4px 20px -12px rgba(19,41,75,.18); }
.header__inner { height: 76px; display: flex; align-items: center; gap: 32px; }
.header__logo img { height: 40px; width: auto; }
.nav { display: flex; align-items: center; gap: 28px; margin-left: auto; }
.nav a { font-size: 15px; font-weight: 500; text-decoration: none; color: var(--navy); padding: 6px 0; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current="page"] { border-bottom-color: var(--gold); }
.header__actions { display: flex; align-items: center; gap: 16px; }

.lang { position: relative; }
.lang summary {
  list-style: none; cursor: pointer; display: flex; align-items: center; gap: 6px;
  height: 38px; padding: 0 12px; border-radius: 10px; border: 1px solid var(--line);
  font-size: 14px; font-weight: 600;
}
.lang summary::-webkit-details-marker { display: none; }
.lang summary svg { width: 14px; height: 14px; transition: transform .2s; }
.lang[open] summary svg { transform: rotate(180deg); }
.lang__menu {
  position: absolute; right: 0; top: calc(100% + 8px); min-width: 170px; padding: 6px;
  background: #fff; border-radius: 12px; box-shadow: 0 12px 32px -8px rgba(19,41,75,.25); border: 1px solid #ECEEF2;
}
.lang__menu a { display: flex; justify-content: space-between; padding: 9px 12px; border-radius: 8px; font-size: 14px; text-decoration: none; }
.lang__menu a:hover { background: var(--grey-bg); }
.lang__menu a span { color: var(--muted); font-weight: 600; font-size: 12px; }
.lang__menu a[aria-current="true"] { font-weight: 600; }

.burger { display: none; width: 44px; height: 44px; border: 0; background: none; cursor: pointer; margin-left: auto; padding: 10px; color: var(--navy); }
.burger svg { width: 24px; height: 24px; }

/* =====================================================================
   HERO
   ===================================================================== */
.hero { position: relative; overflow: hidden; background: var(--navy); color: #fff; }
.hero__bg {
  position: absolute; inset: 0;
  background: url("../img/hero.jpg") center 35% / cover no-repeat;
}
.hero__bg::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(19,41,75,.94) 0%, rgba(19,41,75,.82) 45%, rgba(19,41,75,.35) 100%);
}
.hero__inner { position: relative; padding-top: 120px; padding-bottom: 130px; display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; gap: 48px; }
.hero__content { max-width: 640px; display: flex; flex-direction: column; gap: 22px; }
.hero .eyebrow { color: var(--gold); }
.hero h1 { font-size: 58px; line-height: 1.05; font-weight: 700; letter-spacing: -.03em; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero__lead { font-size: 19px; line-height: 1.6; color: var(--soft); max-width: 560px; }
.hero__buttons { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 6px; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 10px 24px; margin-top: 10px; }
.hero__trust li { display: flex; align-items: center; gap: 8px; font-size: 14px; color: #E4E7F0; }
.hero__trust svg { width: 16px; height: 16px; color: var(--gold); }
.badge-rate {
  width: 176px; height: 176px; border-radius: 50%; flex-shrink: 0;
  border: 1px solid rgba(184,154,90,.7); background: rgba(19,41,75,.55); backdrop-filter: blur(4px);
  display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; gap: 2px;
  box-shadow: 0 0 0 10px rgba(184,154,90,.08);
}
.badge-rate small { font-size: 13px; color: var(--soft); letter-spacing: .08em; text-transform: uppercase; }
.badge-rate strong { font-size: 44px; font-weight: 700; letter-spacing: -.03em; line-height: 1.05; }
.badge-rate span { font-size: 13px; color: var(--gold); font-weight: 600; }

/* =====================================================================
   KREDITRECHNER-SECTION
   ===================================================================== */
.calc-section__grid { display: grid; grid-template-columns: minmax(0, 520fr) minmax(0, 440fr); column-gap: 80px; align-items: center; }
.calc-left { display: flex; flex-direction: column; gap: 32px; }
.calc-left .section-head { margin-bottom: 0; gap: 16px; }
.calc-left .section-head h2 { font-size: 44px; line-height: 1.1; }
.calc-left .section-head p { font-size: 17px; max-width: 480px; }

.perks { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; row-gap: 20px; }
.perks li { display: flex; align-items: center; gap: 14px; font-size: 16px; font-weight: 500; }
.tick { width: 28px; height: 28px; flex-shrink: 0; border-radius: 50%; background: var(--navy); color: var(--gold); display: flex; align-items: center; justify-content: center; }
.tick svg { width: 15px; height: 15px; }
.divider { height: 1px; background: var(--line); }

.contact-row { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.langs { display: flex; flex-direction: column; gap: 8px; }
.langs__title { font-size: 14px; color: var(--text); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { height: 28px; padding: 0 12px; display: inline-flex; align-items: center; border-radius: 14px; background: #F7F7F5; border: 1px solid var(--line); font-size: 13px; font-weight: 500; }
.contact-row__buttons { display: flex; flex-direction: column; gap: 8px; flex-shrink: 0; }
.contact-row__buttons .btn { width: 124px; height: 42px; padding: 0 12px; font-size: 14px; }
.contact-row__buttons .btn svg { width: 18px; height: 18px; }

/* Rechner */
.calc {
  background: #fff; border-radius: 24px; padding: 24px 26px;
  box-shadow: 0 0 24px rgba(19,41,75,.08), 0 18px 44px -8px rgba(19,41,75,.14);
  display: flex; flex-direction: column; gap: 16px;
}
.field { display: flex; flex-direction: column; gap: 6px; }
.field__row { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.field__row label { font-size: 14px; font-weight: 500; color: var(--text); }
.minmax { display: flex; justify-content: space-between; font-size: 12px; line-height: 14px; color: var(--muted); }
.val {
  display: flex; align-items: center; gap: 6px; width: 150px; flex-shrink: 0; height: 36px; padding: 0 12px;
  border: 1px solid var(--line); border-radius: 10px; background: #fff; transition: border-color .15s, box-shadow .15s;
}
.val:hover { border-color: #CFC9BB; }
.val:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(19,41,75,.10); }
.val input {
  border: 0; outline: 0; background: transparent; padding: 0; margin: 0; min-width: 0; width: 100%; flex: 1;
  font: 600 17px/1 var(--font); color: var(--navy); text-align: right; font-variant-numeric: tabular-nums;
}
.val .unit { font-size: 13px; font-weight: 500; color: var(--muted); white-space: nowrap; }

input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 24px; margin: 0; background: transparent; cursor: pointer; --pct: 50%; }
input[type=range]::-webkit-slider-runnable-track { height: 6px; border-radius: 99px; background: linear-gradient(to right, var(--navy) var(--pct), var(--line) var(--pct)); }
input[type=range]::-moz-range-track { height: 6px; border-radius: 99px; background: var(--line); }
input[type=range]::-moz-range-progress { height: 6px; border-radius: 99px; background: var(--navy); }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 24px; height: 24px; margin-top: -9px; border-radius: 50%; background: #fff; border: 3px solid var(--gold); box-shadow: 0 2px 8px rgba(19,41,75,.25); }
input[type=range]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 3px solid var(--gold); box-shadow: 0 2px 8px rgba(19,41,75,.25); }
input[type=range]:focus-visible { outline: 2px solid var(--gold); outline-offset: 4px; border-radius: 8px; }

.result-wrap { display: flex; flex-direction: column; gap: 8px; margin-top: 4px; }
.result-title { font-size: 18px; font-weight: 600; text-align: center; }
.result { background: var(--navy); border-radius: 14px; padding: 12px 24px; display: flex; justify-content: center; align-items: baseline; gap: 8px; }
.result strong { font-size: 36px; font-weight: 700; color: #fff; line-height: 1.15; letter-spacing: -.5px; font-variant-numeric: tabular-nums; }
.result .cur { font-size: 20px; font-weight: 600; color: var(--soft); }
.calc .btn { width: 100%; height: 48px; }
.legal { font-size: 11px; line-height: 1.5; color: var(--muted); text-align: center; }

/* =====================================================================
   KREDIT-ÜBERSICHT
   ===================================================================== */
.products { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); grid-auto-rows: minmax(262px, auto); gap: 24px; }
.product-featured {
  grid-row: span 2; background: var(--navy); color: #fff; border-radius: var(--radius); padding: 36px;
  display: flex; flex-direction: column; gap: 20px; box-shadow: 0 16px 40px -12px rgba(19,41,75,.35);
}
.product-featured__top { display: flex; flex-direction: column; align-items: flex-start; gap: 20px; }
.product-featured .icon-circle { width: 52px; height: 52px; background: rgba(255,255,255,.08); }
.product-featured h3 { font-size: 28px; font-weight: 600; letter-spacing: -.01em; }
.product-featured p { font-size: 15px; line-height: 1.6; color: var(--soft); }
.facts { display: flex; flex-direction: column; gap: 10px; }
.facts li { display: flex; align-items: center; gap: 10px; font-size: 15px; color: #E4E7F0; }
.facts .dot { width: 22px; height: 22px; flex-shrink: 0; border-radius: 50%; background: rgba(184,154,90,.18); color: var(--gold); display: flex; align-items: center; justify-content: center; }
.facts .dot svg { width: 12px; height: 12px; }
.product-featured .btn { margin-top: auto; }

.product {
  background: #fff; border-radius: var(--radius); padding: 28px; text-decoration: none; color: inherit;
  display: flex; flex-direction: column; gap: 16px; box-shadow: var(--shadow-card);
  transition: transform .2s, box-shadow .2s;
}
.product:hover { transform: translateY(-3px); box-shadow: var(--shadow-card-hover); }
.product__body { flex-grow: 1; display: flex; flex-direction: column; }
.product h3 { font-size: 20px; font-weight: 600; letter-spacing: -.01em; margin-bottom: 8px; }
.product p { font-size: 15px; line-height: 1.55; color: var(--text); }
.more { margin-top: auto; padding-top: 16px; display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; }
.more svg { width: 16px; height: 16px; transition: transform .2s; }
.product:hover .more { color: var(--gold-dark); }
.product:hover .more svg { transform: translateX(3px); }

/* =====================================================================
   ABLÖSEN & AUFSTOCKEN
   ===================================================================== */
.twin { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.twin__card { border: 1px solid var(--line); border-radius: var(--radius); padding: 40px; display: flex; flex-direction: column; gap: 18px; background: #fff; }
.twin__card h3 { font-size: 24px; font-weight: 600; letter-spacing: -.01em; }
.twin__card > p { font-size: 16px; line-height: 1.6; color: var(--text); }
.twin__list { display: flex; flex-direction: column; gap: 10px; }
.twin__list li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; line-height: 1.5; }
.twin__list .tick { width: 22px; height: 22px; margin-top: 1px; }
.twin__list .tick svg { width: 12px; height: 12px; }
.twin__card .btn { align-self: flex-start; margin-top: auto; }

/* =====================================================================
   SO FUNKTIONIERT'S
   ===================================================================== */
.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; counter-reset: step; }
.step { position: relative; background: #fff; border-radius: var(--radius); padding: 32px 28px; box-shadow: var(--shadow-card); display: flex; flex-direction: column; gap: 12px; }
.step__num { width: 40px; height: 40px; border-radius: 50%; border: 1.5px solid var(--gold); color: var(--gold-dark); font-weight: 700; display: flex; align-items: center; justify-content: center; font-size: 16px; }
.step h3 { font-size: 20px; font-weight: 600; }
.step p { font-size: 15px; line-height: 1.55; color: var(--text); }
.steps__cta { display: flex; justify-content: center; margin-top: 48px; }

/* =====================================================================
   BERATUNG / KONTAKT
   ===================================================================== */
.consult { background: var(--navy); border-radius: 28px; padding: 64px; color: #fff; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: 56px; align-items: start; }
.consult .eyebrow { color: var(--gold); }
.consult h2 { font-size: 38px; line-height: 1.15; font-weight: 600; letter-spacing: -.02em; }
.consult__lead { font-size: 17px; line-height: 1.6; color: var(--soft); }
.consult__left { display: flex; flex-direction: column; gap: 18px; }
.consult__buttons { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 10px; }
.consult__card { background: #fff; color: var(--navy); border-radius: 20px; padding: 28px; display: flex; flex-direction: column; gap: 22px; }
.consult__card h3 { font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 10px; }
.info-list li { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px solid #EEF0F3; font-size: 15px; }
.info-list li:last-child { border-bottom: 0; }
.info-list span:first-child { color: var(--text); }
.info-list a, .info-list strong { font-weight: 600; text-decoration: none; text-align: right; white-space: nowrap; }
.info-list a:hover { color: var(--gold-dark); }
.address { font-size: 15px; line-height: 1.6; }
.address a { display: inline-flex; align-items: center; gap: 6px; margin-top: 8px; font-weight: 600; font-size: 14px; text-decoration: none; }
.address a:hover { color: var(--gold-dark); }
.address a svg { width: 16px; height: 16px; }

/* =====================================================================
   FOOTER
   ===================================================================== */
.footer { background: #0E1F3A; color: var(--soft); padding: 72px 0 32px; font-size: 14px; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
.footer__brand img { height: 44px; width: auto; background: #fff; padding: 6px 10px; border-radius: 10px; }
.footer__brand p { margin-top: 18px; line-height: 1.6; max-width: 280px; }
.footer h4 { margin: 0 0 14px; color: #fff; font-size: 14px; font-weight: 600; }
.footer li { margin-bottom: 10px; }
.footer a { text-decoration: none; }
.footer a:hover { color: #fff; }
.footer__bottom { margin-top: 56px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: 13px; color: #8E97B3; }

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 1020px) {
  .nav, .header__actions .btn { display: none; }
  .burger { display: inline-flex; }
  .header__actions { margin-left: auto; }
  .burger { margin-left: 0; }
  .nav.is-open {
    display: flex; position: absolute; top: 76px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; padding: 8px 24px 24px; border-bottom: 1px solid #ECEEF2; box-shadow: 0 16px 30px -18px rgba(19,41,75,.3);
  }
  .nav.is-open a { padding: 14px 0; border-bottom: 1px solid #F0F1F4; font-size: 16px; }
  .nav.is-open .nav__cta { display: flex; margin-top: 16px; border: 0; color: #fff; padding: 0; }
  .hero__inner { grid-template-columns: 1fr; }
  .badge-rate { display: none; }
  .calc-section__grid { display: flex; flex-direction: column; gap: 32px; align-items: stretch; }
  .calc-left { display: contents; }
  .calc-left .section-head { order: 1; }
  .calc { order: 2; }
  .perks { order: 3; }
  .calc-left .divider { order: 4; }
  .contact-row { order: 5; }
  .products { grid-template-columns: repeat(2, minmax(0, 1fr)); grid-auto-rows: auto; }
  .product-featured { grid-column: 1 / -1; grid-row: auto; }
  .consult { grid-template-columns: 1fr; padding: 48px; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1021px) { .nav__cta { display: none; } }

@media (max-width: 680px) {
  .section { padding: 64px 0; }
  .container { padding: 0 20px; }
  .section-head { margin-bottom: 32px; }
  .section-head h2, .calc-left .section-head h2 { font-size: 30px; }
  .section-head p { font-size: 16px; }
  .header__inner { height: 68px; gap: 12px; }
  .nav.is-open { top: 68px; }
  .header__logo img { height: 34px; }
  .hero__inner { padding-top: 64px; padding-bottom: 72px; }
  .hero__bg::after { background: linear-gradient(180deg, rgba(19,41,75,.88) 0%, rgba(19,41,75,.92) 100%); }
  .hero h1 { font-size: 38px; }
  .hero__lead { font-size: 17px; }
  .hero__buttons .btn { flex: 1 1 100%; }
  .perks { grid-template-columns: 1fr; row-gap: 14px; }
  .perks li { font-size: 15px; }
  .contact-row { flex-direction: column; align-items: stretch; }
  .contact-row__buttons { flex-direction: row; }
  .contact-row__buttons .btn { flex: 1; width: auto; height: 46px; }
  .calc { padding: 22px 18px; border-radius: 20px; }
  .field__row label { font-size: 13px; }
  .val { width: 136px; padding: 0 10px; }
  .val input { font-size: 16px; }
  .result strong { font-size: 32px; }
  .products { grid-template-columns: 1fr; gap: 14px; }
  .product-featured { padding: 22px; gap: 16px; }
  .product-featured > p, .product-featured .product__intro p { display: none; }
  .product-featured h3 { font-size: 22px; margin: 0; }
  .product-featured__top { flex-direction: row; align-items: center; gap: 14px; }
  .product-featured .icon-circle { width: 44px; height: 44px; }
  .facts li { font-size: 14px; }
  .product { flex-direction: row; align-items: flex-start; padding: 20px; }
  .product .icon-circle { width: 44px; height: 44px; }
  .product h3 { font-size: 18px; margin-bottom: 6px; }
  .product p { font-size: 14px; }
  .product .more { padding-top: 10px; }
  .twin { grid-template-columns: 1fr; gap: 14px; }
  .twin__card { padding: 26px 22px; }
  .twin__card .btn { align-self: stretch; }
  .steps { grid-template-columns: 1fr; gap: 14px; }
  .consult { padding: 32px 22px; border-radius: 22px; gap: 32px; }
  .consult h2 { font-size: 28px; }
  .consult__buttons .btn { flex: 1 1 100%; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}

/* =====================================================================
   UNTERSEITEN: Seitenkopf
   ===================================================================== */
.page-hero { position: relative; overflow: hidden; background: var(--navy); color: #fff; }
.page-hero .hero__bg::after { background: linear-gradient(90deg, rgba(19,41,75,.95) 0%, rgba(19,41,75,.85) 55%, rgba(19,41,75,.55) 100%); }
.page-hero__inner { position: relative; padding-top: 72px; padding-bottom: 72px; display: flex; flex-direction: column; gap: 14px; }
.page-hero__inner > * { max-width: 760px; }
.page-hero .eyebrow { color: var(--gold); }
.page-hero h1 { font-size: 46px; line-height: 1.1; font-weight: 700; letter-spacing: -.02em; }
.page-hero p { font-size: 18px; line-height: 1.6; color: var(--soft); }

/* =====================================================================
   FORMULAR
   ===================================================================== */
.form-layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 40px; align-items: start; }
.form-card { background: #fff; border-radius: 24px; padding: 40px; box-shadow: 0 0 24px rgba(19,41,75,.06), 0 18px 44px -12px rgba(19,41,75,.12); }
.form-block + .form-block { margin-top: 40px; padding-top: 36px; border-top: 1px solid #EEF0F3; }
.form-block__head { display: flex; align-items: center; gap: 14px; margin-bottom: 24px; }
.form-block__num { width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: var(--gold); display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 700; flex-shrink: 0; }
.form-block__head h2 { font-size: 22px; font-weight: 600; letter-spacing: -.01em; }

.fgrid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.fgrid--3 { grid-template-columns: 1fr 2fr 1.2fr; }
.fgrid .full { grid-column: 1 / -1; }
.f { display: flex; flex-direction: column; gap: 8px; min-width: 0; }
.f > label, .f > .f__label { font-size: 14px; font-weight: 500; color: var(--navy); }
.req { color: var(--gold-dark); }
.f input[type=text], .f input[type=email], .f input[type=tel], .f input[type=number], .f select, .f textarea {
  width: 100%; height: 48px; padding: 0 14px; border: 1px solid #D9DCE3; border-radius: 12px; background: #fff;
  font: 400 16px/1.2 var(--font); color: var(--navy); transition: border-color .15s, box-shadow .15s; -webkit-appearance: none; appearance: none;
}
.f textarea { height: 120px; padding: 12px 14px; resize: vertical; line-height: 1.5; }
.f select {
  padding-right: 40px; cursor: pointer;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2313294B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center / 18px;
}
.f input::placeholder, .f textarea::placeholder { color: #9AA0B3; }
.f select:invalid { color: #9AA0B3; }
.f select option { color: var(--navy); }
.f input:hover, .f select:hover, .f textarea:hover { border-color: #B9BECB; }
.f input:focus, .f select:focus, .f textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(19,41,75,.10); }
.f input.is-invalid, .f select.is-invalid { border-color: #B3261E; }
.suffix-wrap { position: relative; }
.suffix-wrap input { padding-right: 70px !important; }
.suffix-wrap span { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); font-size: 14px; color: var(--muted); pointer-events: none; }
.hint { font-size: 13px; color: var(--muted); }

.radios { display: flex; gap: 12px; flex-wrap: wrap; }
.radio { position: relative; }
.radio input { position: absolute; opacity: 0; pointer-events: none; }
.radio span { display: inline-flex; align-items: center; height: 44px; padding: 0 20px; border: 1px solid #D9DCE3; border-radius: 12px; font-size: 15px; cursor: pointer; transition: all .15s; }
.radio input:checked + span { border-color: var(--navy); background: var(--navy); color: #fff; }
.radio input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }

.check { display: flex; gap: 12px; align-items: flex-start; font-size: 14px; line-height: 1.5; color: var(--text); cursor: pointer; }
.check input { width: 20px; height: 20px; margin: 1px 0 0; flex-shrink: 0; accent-color: var(--navy); cursor: pointer; }
.check a { color: var(--navy); font-weight: 500; }
.checks { display: flex; flex-direction: column; gap: 14px; margin-top: 36px; }
.form-submit { margin-top: 28px; display: flex; flex-direction: column; gap: 14px; }
.form-submit .btn { height: 54px; font-size: 16px; }
.form-note { font-size: 13px; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.form-note svg { width: 16px; height: 16px; color: var(--gold-dark); flex-shrink: 0; }
.hp { position: absolute; left: -9999px; }

.aside { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 20px; }
.aside-card { background: var(--grey-bg); border-radius: 20px; padding: 28px; }
.aside-card h3 { font-size: 18px; font-weight: 600; margin-bottom: 16px; }
.aside-card .perks { grid-template-columns: 1fr; row-gap: 14px; }
.aside-card .perks li { font-size: 15px; }
.aside-card--navy { background: var(--navy); color: #fff; }
.aside-card--navy p { font-size: 15px; line-height: 1.6; color: var(--soft); margin-bottom: 18px; }
.aside-card--navy .btn { width: 100%; }
.aside-card--navy .btn + .btn { margin-top: 10px; }

/* Danke-Seite */
.thanks { max-width: 640px; margin: 0 auto; text-align: center; display: flex; flex-direction: column; align-items: center; gap: 18px; }
.thanks__icon { width: 72px; height: 72px; border-radius: 50%; background: var(--navy); color: var(--gold); display: flex; align-items: center; justify-content: center; }
.thanks__icon svg { width: 34px; height: 34px; }
.thanks h1 { font-size: 40px; line-height: 1.15; font-weight: 600; letter-spacing: -.02em; }
.thanks p { font-size: 17px; line-height: 1.6; color: var(--text); }
.thanks__buttons { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; margin-top: 8px; }

@media (max-width: 1020px) {
  .form-layout { grid-template-columns: 1fr; }
  .aside { position: static; }
}
@media (max-width: 680px) {
  .page-hero__inner { padding-top: 48px; padding-bottom: 48px; }
  .page-hero h1 { font-size: 32px; }
  .page-hero p { font-size: 16px; }
  .form-card { padding: 24px 18px; border-radius: 20px; }
  .fgrid { grid-template-columns: 1fr; gap: 16px; }
  .fgrid--3 { grid-template-columns: 1fr 1.6fr 1.2fr; gap: 10px; }
  .form-block__head h2 { font-size: 19px; }
  .thanks h1 { font-size: 30px; }
}
.radio input.is-invalid + span { border-color: #B3261E; }
.check input.is-invalid { outline: 2px solid #B3261E; outline-offset: 2px; }

/* =====================================================================
   ABLÖSEN & AUFSTOCKEN
   ===================================================================== */
.saving { margin-top: 24px; background: var(--navy); color: #fff; border-radius: 24px; padding: 40px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr); gap: 40px; align-items: center; }
.saving .eyebrow { color: var(--gold); }
.saving h3 { font-size: 26px; line-height: 1.2; font-weight: 600; letter-spacing: -.01em; margin: 10px 0 12px; }
.saving p { font-size: 15px; line-height: 1.6; color: var(--soft); }
.saving__cols { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.saving__box { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 16px; padding: 20px; display: flex; flex-direction: column; gap: 6px; }
.saving__box small { font-size: 13px; color: var(--soft); }
.saving__box strong { font-size: 24px; font-weight: 700; letter-spacing: -.02em; white-space: nowrap; }
.saving__box span { font-size: 12px; color: #9AA3BF; }
.saving__box--gold { background: rgba(184,154,90,.14); border-color: rgba(184,154,90,.45); }
.saving__box--gold strong { color: var(--gold); }
.saving .saving__note { grid-column: 1 / -1; font-size: 12px; color: #9AA3BF; margin-top: -16px; }

.choice { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.choice label { position: relative; cursor: pointer; }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice__card { display: flex; gap: 14px; align-items: flex-start; padding: 20px; border: 1.5px solid #D9DCE3; border-radius: 16px; transition: border-color .15s, background .15s, box-shadow .15s; height: 100%; }
.choice__card .icon-circle { width: 44px; height: 44px; background: var(--grey-bg); color: var(--navy); transition: background .15s, color .15s; }
.choice__card .icon-circle svg { width: 20px; height: 20px; }
.choice__card strong { display: block; font-size: 17px; font-weight: 600; margin-bottom: 4px; }
.choice__card small { font-size: 14px; line-height: 1.45; color: var(--text); }
.choice label:hover .choice__card { border-color: #B9BECB; }
.choice input:checked + .choice__card { border-color: var(--navy); background: #F7F8FB; box-shadow: 0 0 0 3px rgba(19,41,75,.08); }
.choice input:checked + .choice__card .icon-circle { background: var(--navy); color: var(--gold); }
.choice input:focus-visible + .choice__card { outline: 2px solid var(--gold); outline-offset: 2px; }
.choice input.is-invalid + .choice__card { border-color: #B3261E; }
[data-show] { display: none; }
[data-show].is-visible { display: flex; }
.fgrid > [data-show].is-visible { display: flex; }

.mini-steps { display: flex; flex-direction: column; gap: 16px; counter-reset: s; }
.mini-steps li { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; line-height: 1.5; color: var(--text); }
.mini-steps li::before { counter-increment: s; content: counter(s); width: 26px; height: 26px; flex-shrink: 0; border-radius: 50%; border: 1.5px solid var(--gold); color: var(--gold-dark); font-size: 13px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.mini-steps strong { color: var(--navy); display: block; }

@media (max-width: 1020px) {
  .saving { grid-template-columns: 1fr; }
  .saving .saving__note { margin-top: 0; }
}
@media (max-width: 680px) {
  .saving { padding: 26px 20px; gap: 22px; }
  .saving h3 { font-size: 22px; }
  .saving__cols { grid-template-columns: 1fr; }
  .choice { grid-template-columns: 1fr; }
}
.section--grey .aside-card:not(.aside-card--navy) { background: #fff; box-shadow: var(--shadow-card); }

/* =====================================================================
   ÜBER UNS
   ===================================================================== */
.about-intro { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 80px; align-items: start; }
.about-intro .section-head { margin-bottom: 0; }
.about-intro__text { display: flex; flex-direction: column; gap: 18px; font-size: 17px; line-height: 1.7; color: var(--text); }
.about-intro__text strong { color: var(--navy); font-weight: 600; }
.stats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin-top: 8px; }
.stat { background: var(--grey-bg); border-radius: 16px; padding: 20px; display: flex; flex-direction: column; gap: 4px; }
.stat strong { font-size: 28px; font-weight: 700; letter-spacing: -.02em; color: var(--navy); }
.stat span { font-size: 13px; color: var(--text); line-height: 1.4; }

.values { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }
.value { background: #fff; border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-card); display: flex; flex-direction: column; gap: 14px; }
.value h3 { font-size: 19px; font-weight: 600; }
.value p { font-size: 15px; line-height: 1.55; color: var(--text); }

.team { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.member { display: flex; flex-direction: column; gap: 18px; }
.member__photo { position: relative; border-radius: 20px; overflow: hidden; aspect-ratio: 5 / 6; background: #E9ECF2; }
.member__photo img { width: 100%; height: 100%; object-fit: cover; }
.member__photo::after { content: ""; position: absolute; inset: auto 0 0 0; height: 4px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.member:hover .member__photo::after { transform: scaleX(1); }
.member h3 { font-size: 21px; font-weight: 600; letter-spacing: -.01em; }
.member__role { font-size: 14px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-dark); margin-top: 4px; }
.member__chips { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 12px; }

.cta-band { background: var(--navy); color: #fff; border-radius: 28px; padding: 56px 64px; display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.cta-band .eyebrow { color: var(--gold); margin-bottom: 10px; }
.cta-band h2 { font-size: 32px; line-height: 1.2; font-weight: 600; letter-spacing: -.02em; }
.cta-band p { margin-top: 10px; font-size: 16px; line-height: 1.6; color: var(--soft); max-width: 520px; }
.cta-band__buttons { display: flex; gap: 12px; flex-wrap: wrap; flex-shrink: 0; }

@media (max-width: 1020px) {
  .about-intro { grid-template-columns: 1fr; gap: 32px; }
  .values { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cta-band { flex-direction: column; align-items: flex-start; padding: 44px; }
}
@media (max-width: 680px) {
  .about-intro__text { font-size: 16px; }
  .stats { grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
  .stat { padding: 14px 12px; }
  .stat strong { font-size: 22px; }
  .values { grid-template-columns: 1fr; gap: 14px; }
  .team { grid-template-columns: 1fr; gap: 32px; }
  .cta-band { padding: 32px 22px; border-radius: 22px; }
  .cta-band h2 { font-size: 26px; }
  .cta-band__buttons { width: 100%; }
  .cta-band__buttons .btn { flex: 1 1 100%; }
}

/* =====================================================================
   FAQ
   ===================================================================== */
.faq-layout { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: 56px; align-items: start; }
.faq-nav { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 4px; }
.faq-nav__title { font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 10px; }
.faq-nav > a { display: flex; align-items: center; justify-content: space-between; padding: 11px 14px; border-radius: 10px; font-size: 15px; font-weight: 500; text-decoration: none; color: var(--navy); transition: background .15s; }
.faq-nav > a:hover { background: var(--grey-bg); }
.faq-nav > a span { font-size: 12px; color: var(--muted); font-weight: 600; }
.faq-nav .aside-card { margin-top: 20px; }

.faq-group + .faq-group { margin-top: 56px; }
.faq-group__title { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.faq-group__title h2 { font-size: 26px; font-weight: 600; letter-spacing: -.01em; }
.faq-group__title .icon-circle { width: 44px; height: 44px; }
.faq-group__title .icon-circle svg { width: 20px; height: 20px; }

.faq-item { border: 1px solid #E8EAEF; border-radius: 16px; background: #fff; transition: border-color .15s, box-shadow .15s; }
.faq-item + .faq-item { margin-top: 12px; }
.faq-item[open] { border-color: #D5D9E2; box-shadow: var(--shadow-card); }
.faq-item summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 20px 24px; font-size: 17px; font-weight: 600; line-height: 1.4; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--gold-dark); }
.faq-item__icon { width: 30px; height: 30px; flex-shrink: 0; border-radius: 50%; background: var(--grey-bg); display: flex; align-items: center; justify-content: center; transition: transform .2s, background .2s, color .2s; }
.faq-item__icon svg { width: 16px; height: 16px; }
.faq-item[open] .faq-item__icon { transform: rotate(45deg); background: var(--navy); color: var(--gold); }
.faq-item__body { padding: 0 24px 22px; font-size: 15.5px; line-height: 1.7; color: var(--text); display: flex; flex-direction: column; gap: 12px; }
.faq-item__body ul { display: flex; flex-direction: column; gap: 6px; padding-left: 20px; list-style: disc; }
.faq-item__body strong { color: var(--navy); font-weight: 600; }
.faq-item__body a { color: var(--navy); font-weight: 600; }

@media (max-width: 1020px) {
  .faq-layout { grid-template-columns: 1fr; gap: 32px; }
  .faq-nav { position: static; flex-direction: row; flex-wrap: wrap; gap: 8px; }
  .faq-nav__title, .faq-nav .aside-card { display: none; }
  .faq-nav > a { border: 1px solid var(--line); background: #F7F7F5; padding: 8px 14px; border-radius: 99px; font-size: 14px; gap: 8px; }
}
@media (max-width: 680px) {
  .faq-group + .faq-group { margin-top: 40px; }
  .faq-group__title h2 { font-size: 22px; }
  .faq-item summary { padding: 16px 18px; font-size: 16px; }
  .faq-item__body { padding: 0 18px 18px; font-size: 15px; }
}

/* =====================================================================
   KONTAKT
   ===================================================================== */
.channels { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; margin-bottom: 64px; }
.channel { background: #fff; border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-card); display: flex; flex-direction: column; gap: 14px; text-decoration: none; color: inherit; transition: transform .2s, box-shadow .2s; }
.channel:hover { transform: translateY(-3px); box-shadow: var(--shadow-card-hover); }
.channel h3 { font-size: 19px; font-weight: 600; }
.channel p { font-size: 15px; line-height: 1.5; color: var(--text); }
.channel__value { font-size: 17px; font-weight: 600; color: var(--navy); margin-top: auto; word-break: break-word; }
.channel:hover .more { color: var(--gold-dark); }
.channel:hover .more svg { transform: translateX(3px); }
.channel .more { padding-top: 0; }
.hours li { display: flex; justify-content: space-between; font-size: 15px; padding: 8px 0; border-bottom: 1px solid #EEF0F3; }
.hours li:last-child { border-bottom: 0; }
.hours span { color: var(--text); }
.hours strong { font-weight: 600; white-space: nowrap; }
@media (max-width: 1020px) { .channels { grid-template-columns: 1fr; gap: 14px; margin-bottom: 40px; } }
/* Kontakt-Kacheln kompakt auf Handy/Tablet */
@media (max-width: 1020px) {
  .channels { gap: 10px; margin-bottom: 32px; }
  .channel { display: grid; grid-template-columns: 44px 1fr auto; align-items: center; column-gap: 14px; row-gap: 2px; padding: 14px 16px; }
  .channel .icon-circle { width: 44px; height: 44px; grid-row: 1 / span 2; }
  .channel .icon-circle svg { width: 20px; height: 20px; }
  .channel h3 { font-size: 16px; grid-column: 2; }
  .channel p { display: none; }
  .channel__value, .channel .more { grid-column: 2; font-size: 15px; margin: 0; }
  .channel::after { content: ""; grid-column: 3; grid-row: 1 / span 2; width: 9px; height: 9px; border-right: 2px solid var(--gold); border-top: 2px solid var(--gold); transform: rotate(45deg); margin-right: 4px; }
  .channel .more svg { display: none; }
}
/* Titel fett, Nummer/Mail/Chat leichter – mehr Kontrast */
.channel__value, .channel .more { font-weight: 400; color: var(--text); }

/* =====================================================================
   RECHTLICHE SEITEN (Impressum, Datenschutz, AGB)
   ===================================================================== */
.doc { max-width: 820px; margin: 0 auto; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-card); padding: 56px 64px; }
.doc__meta { font-size: 14px; color: var(--muted); margin-bottom: 32px; }
.doc h2 { font-size: 22px; font-weight: 600; color: var(--navy); margin: 40px 0 14px; scroll-margin-top: 100px; }
.doc h2:first-of-type { margin-top: 0; }
.doc h3 { font-size: 17px; font-weight: 600; color: var(--navy); margin: 24px 0 8px; }
.doc p, .doc li { font-size: 16px; line-height: 1.7; color: var(--text); }
.doc p + p { margin-top: 12px; }
.doc ul { margin: 10px 0 14px; padding-left: 22px; list-style: disc; }
.doc li { margin: 4px 0; }
.doc li::marker { color: var(--gold); }
.doc a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
.doc a:hover { color: var(--gold-dark); }
.doc strong { color: var(--navy); font-weight: 600; }
.doc-box { background: var(--grey-bg); border-radius: 14px; padding: 22px 26px; margin: 8px 0 8px; }
.doc-box p { margin: 0; }
.doc-toc { background: var(--grey-bg); border-radius: 14px; padding: 22px 26px; margin-bottom: 40px; }
.doc-toc strong { display: block; margin-bottom: 8px; }
.doc-toc ol { margin: 0; padding-left: 20px; columns: 2; column-gap: 32px; }
.doc-toc li { font-size: 15px; margin: 3px 0; break-inside: avoid; }
.doc-toc a { text-decoration: none; }
.doc-toc a:hover { text-decoration: underline; }
.doc__foot { margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--line); font-size: 14px !important; color: var(--muted) !important; }
@media (max-width: 680px) {
  .doc { padding: 32px 22px; }
  .doc h2 { font-size: 19px; margin-top: 32px; }
  .doc p, .doc li { font-size: 15px; }
  .doc-toc ol { columns: 1; }
}
.doc, .doc * { text-align: left; }
.doc-toc { margin-top: 28px; }
.doc-toc strong { font-size: 16px; }
.doc-toc li a { display: inline; }
.doc-box + p { margin-top: 16px; }
.nf-links { font-size: 15px !important; color: var(--muted) !important; }
.nf-links a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
.aside-mail { display: block; text-align: center; font-size: 14px; color: var(--soft); text-decoration: underline; text-underline-offset: 3px; margin-top: 4px; word-break: break-word; }
.aside-mail:hover { color: #fff; }
.hours-note { font-size: 14px; color: var(--muted); margin-top: 12px; }

/* =====================================================================
   SPRACH-POP-UP (wird per JavaScript eingeblendet)
   ===================================================================== */
.langpop{opacity:0;transition:opacity .25s ease;position:fixed;inset:0;z-index:200;display:flex;align-items:center;justify-content:center;padding:20px;background:rgba(10,22,42,.62);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px)}
.langpop__box{position:relative;width:100%;max-width:560px;background:#fff;border-radius:24px;box-shadow:0 30px 80px rgba(10,22,42,.35);overflow:hidden}
.langpop__top{background:var(--navy);padding:34px 36px 30px;text-align:center;position:relative}
.langpop__top::after{content:none;position:absolute;left:50%;bottom:0;transform:translateX(-50%);width:56px;height:3px;background:var(--gold);border-radius:3px 3px 0 0}
.langpop__logo{width:64px;height:64px;border-radius:16px;background:#fff;display:flex;align-items:center;justify-content:center;margin:0 auto 18px}
.langpop__logo img{width:46px;height:auto}
.langpop__brand{font-size:15px;font-weight:700;letter-spacing:.32em;text-transform:uppercase;color:#fff;margin-bottom:18px;display:inline-flex;align-items:center;gap:.5em}.langpop__brand span{color:var(--gold)}.langpop__brand::before,.langpop__brand::after{content:"";width:28px;height:1px;background:rgba(184,154,90,.6)}.langpop__brand::before{margin-right:6px}.langpop__brand::after{margin-left:2px}.langpop__hello{font-size:26px;font-weight:600;color:#fff;letter-spacing:-.01em;line-height:1.25}
.langpop__hello span{color:var(--gold)}
.langpop__sub{font-size:14px;color:var(--soft);margin-top:10px;line-height:1.5}
.langpop__body{padding:28px 32px 26px}
.langpop__grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.langpop__opt{display:flex;align-items:center;gap:14px;padding:14px 16px;border:1.5px solid var(--line);border-radius:14px;text-decoration:none;color:var(--navy);transition:border-color .2s,box-shadow .2s,transform .2s;position:relative;background:#fff}
.langpop__opt:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:0 8px 20px rgba(19,41,75,.08)}
.langpop__code{flex:none;width:42px;height:42px;border-radius:50%;background:var(--grey-bg);color:var(--navy);font-weight:700;font-size:13px;letter-spacing:.06em;display:flex;align-items:center;justify-content:center}
.langpop__name{font-size:16px;font-weight:600;line-height:1.2}
.langpop__hint{font-size:12.5px;color:var(--muted);margin-top:3px}
.langpop__opt.is-suggested{border-color:var(--navy);box-shadow:0 0 0 3px rgba(184,154,90,.25)}
.langpop__opt.is-suggested .langpop__code{background:var(--navy);color:var(--gold)}
.langpop__badge{position:absolute;top:-9px;right:12px;background:var(--gold);color:#fff;font-size:10.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:3px 8px;border-radius:999px}
.langpop__sub .dot::after{content:" · "}.langpop__note{text-align:center;font-size:12.5px;color:var(--muted);margin-top:18px}
@media (max-width:480px){.langpop__sub br{display:none}.langpop__sub span{display:block}.langpop__sub .dot::after{content:none}.langpop__top{padding:28px 22px 24px}.langpop__brand{font-size:15px;font-weight:700;letter-spacing:.32em;text-transform:uppercase;color:#fff;margin-bottom:18px;display:inline-flex;align-items:center;gap:.5em}.langpop__brand span{color:var(--gold)}.langpop__brand::before,.langpop__brand::after{content:"";width:28px;height:1px;background:rgba(184,154,90,.6)}.langpop__brand::before{margin-right:6px}.langpop__brand::after{margin-left:2px}.langpop__hello{font-size:22px}.langpop__body{padding:22px 18px 20px}.langpop__grid{grid-template-columns:1fr;gap:10px}.langpop__opt{padding:12px 14px}}
.langpop.is-open{opacity:1}
.langpop__box{transform:translateY(12px) scale(.98);transition:transform .3s ease}.langpop.is-open .langpop__box{transform:none}
html.langpop-lock{overflow:hidden}
.saving__box strong { font-size: 21px; white-space: nowrap; }
@media (max-width: 1020px) { .saving__box strong { font-size: 26px; } }
.f__error { font-size: 13px; color: #B3261E; }
.f:has(.f__error) .hint { display: none; }
/* Startseite: Anpassungen Handy */
.hero__trust-mobile { display: none !important; }
@media (max-width: 680px) {
  .hero__trust { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 8px; margin-top: 6px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.14); }
  .hero__trust li { flex-direction: column; align-items: center; text-align: center; gap: 6px; font-size: 11.5px; line-height: 1.3; }
  .hero__trust svg { flex: none; width: 18px; height: 18px; }
  .hero__trust-mobile { display: flex !important; }
  #rechner .perks, #rechner .calc-left .divider { display: none; }
  .hero__content h1 { padding-right: 84px; }
  .badge-rate { display: flex !important; position: absolute; top: 108px; right: 24px; width: 76px; height: 76px; gap: 0; box-shadow: 0 0 0 5px rgba(184,154,90,.08); }
  .badge-rate small { font-size: 8px; letter-spacing: .06em; }
  .badge-rate strong { font-size: 19px; }
  .badge-rate span { font-size: 8px; }
}
/* Ablösen: neuer Kredit hervorheben */
.form-block--new { background: #FBF8F1; border: 1px solid #EADFC6; border-radius: 16px; padding: 24px; }
.form-block__intro { font-size: 15px; color: var(--text); margin: -4px 0 18px; line-height: 1.5; }
.form-block__intro strong { color: var(--navy); }
.newtotal { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; font-size: 15px; color: var(--text); }
.newtotal strong { color: var(--navy); font-size: 17px; }
.newtotal small { color: var(--muted); font-size: 13px; }
.newtotal.is-over { border-color: #B3261E; }
.newtotal.is-over::after { content: " Maximal CHF 250'000 möglich."; color: #B3261E; font-size: 13px; }
@media (max-width: 680px) { .form-block--new { padding: 18px 14px; } }

/* =====================================================================
   PRODUKTSEITEN (z. B. Autokredit)
   ===================================================================== */
.product-hero .hero__bg { background-position: center; background-size: cover; }
.product-hero .page-hero__inner { padding-top: 110px; padding-bottom: 110px; }
.product-hero h1 { font-size: 54px; max-width: 720px; }
.product-hero h1 em { font-style: normal; color: var(--gold); }
.product-hero p { max-width: 620px; }
.product-hero .hero__buttons { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 10px; }
.product-hero__trust { margin-top: 14px !important; }
.cmp-wrap { max-width: 880px; margin: 0 auto; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-card); overflow: hidden; }
.cmp { width: 100%; border-collapse: collapse; }
.cmp th, .cmp td { padding: 18px 24px; text-align: left; font-size: 15px; border-bottom: 1px solid #EEF0F3; vertical-align: middle; }
.cmp tbody tr:last-child th, .cmp tbody tr:last-child td { border-bottom: 0; }
.cmp thead th { font-size: 16px; font-weight: 700; color: var(--navy); background: var(--grey-bg); }
.cmp thead .cmp-hl { background: var(--navy); color: #fff; }
.cmp tbody th { font-weight: 600; color: var(--navy); width: 30%; }
.cmp td { color: var(--text); }
.cmp td:nth-child(2) { background: #FBF8F1; }
.cmp td > span:last-child { vertical-align: middle; }
.cmp-yes, .cmp-no { display: inline-flex; width: 22px; height: 22px; border-radius: 50%; align-items: center; justify-content: center; margin-right: 10px; vertical-align: middle; }
.cmp-yes { background: var(--navy); color: var(--gold); }
.cmp-no { background: #F1F2F5; color: #8A90A2; }
.cmp-yes svg, .cmp-no svg { width: 12px; height: 12px; }
.cmp-note { text-align: center; font-size: 13px; color: var(--muted); margin-top: 16px; }
.product-steps { gap: 24px; }
.product-steps li { font-size: 16px; }
.product-steps li::before { width: 34px; height: 34px; font-size: 15px; }
.product-faq { max-width: 860px; }
.product-faq__more { text-align: center; margin-top: 24px; font-size: 15px; color: var(--text); }
.product-faq__more a { color: var(--navy); font-weight: 600; }
@media (max-width: 1020px) {
  .product-hero h1 { font-size: 40px; }
}
@media (max-width: 680px) {
  .product-hero .page-hero__inner { padding-top: 64px; padding-bottom: 64px; }
  .product-hero h1 { font-size: 32px; }
  .product-hero .hero__buttons .btn { width: 100%; justify-content: center; }
  .product-hero__trust { display: flex !important; flex-direction: column; gap: 8px !important; border-top: 0 !important; padding-top: 0 !important; }
  .product-hero__trust li { flex-direction: row !important; text-align: left !important; font-size: 14px !important; }
  .cmp th, .cmp td { padding: 12px 10px; font-size: 13px; }
  .cmp tbody th { width: 28%; }
  .cmp-yes, .cmp-no { width: 18px; height: 18px; margin: 0 0 4px; display: flex; }
}
.product-form-head { background: var(--grey-bg); padding-top: 96px; }
.product-form-head .section-head { margin-bottom: 0; }
.product-form-head + #antrag { padding-top: 48px; }
@media (max-width: 680px) { .product-form-head { padding-top: 56px; } .product-form-head + #antrag { padding-top: 28px; } }
.product-form-head { scroll-margin-top: 40px; }
/* Produktseiten: Titel der Vorteile gleich hoch, damit die Texte auf einer Linie beginnen */
@media (min-width: 681px) {
  .values--product .value { display: grid; grid-row: span 3; grid-template-rows: subgrid; row-gap: 14px; }
  .values--product .value h3 { line-height: 1.3; }
}

/* =====================================================================
   HEADER: Dropdown "Kredit"
   ===================================================================== */
.nav__drop { position: relative; }
.nav__drop-btn { display: inline-flex; align-items: center; gap: 5px; font: inherit; font-size: 15px; font-weight: 500; color: var(--navy); background: none; border: 0; border-bottom: 2px solid transparent; padding: 6px 0; cursor: pointer; }
.nav__drop-btn svg { width: 14px; height: 14px; transition: transform .2s; }
.nav__drop-btn:hover, .nav__drop-btn.is-active { border-bottom-color: var(--gold); }
.nav__drop.is-open .nav__drop-btn svg { transform: rotate(180deg); }
.nav__drop-menu { position: absolute; left: -14px; top: calc(100% + 10px); min-width: 230px; padding: 6px; background: #fff; border-radius: 12px; border: 1px solid #ECEEF2; box-shadow: 0 12px 32px -8px rgba(19,41,75,.25); display: none; flex-direction: column; z-index: 60; }
.nav__drop.is-open .nav__drop-menu { display: flex; }
.nav .nav__drop-menu a { display: block; padding: 10px 12px; border-radius: 8px; border: 0; font-size: 14.5px; }
.nav .nav__drop-menu a:hover, .nav .nav__drop-menu a[aria-current="page"] { background: var(--grey-bg); border: 0; }
.nav .nav__drop-menu .nav__drop-all { margin-top: 4px; padding-top: 12px; border-top: 1px solid #EEF0F3; border-radius: 0 0 8px 8px; font-weight: 600; color: var(--gold-dark); }
@media (min-width: 1021px) {
  .nav__drop-menu::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; }
}
@media (max-width: 1020px) {
  .nav.is-open .nav__drop { border-bottom: 1px solid #F0F1F4; }
  .nav.is-open .nav__drop-btn { width: 100%; justify-content: space-between; padding: 14px 0; font-size: 16px; border: 0; }
  .nav.is-open .nav__drop-menu { position: static; box-shadow: none; border: 0; padding: 0 0 10px 12px; min-width: 0; }
  .nav.is-open .nav__drop-menu a { padding: 11px 0; font-size: 15px; border-bottom: 0 !important; color: var(--text); }
  .nav.is-open .nav__drop-menu .nav__drop-all { border-top: 0; margin-top: 0; padding-top: 11px; color: var(--gold-dark); }
}
:lang(en) .newtotal.is-over::after { content: " Maximum CHF 250'000."; }
.doc__note { background: #FBF8F1; border: 1px solid #EADFC6; border-radius: 12px; padding: 14px 18px; font-size: 14px !important; margin-bottom: 28px; }
:lang(pt) .newtotal.is-over::after { content: " Máximo de CHF 250'000."; }
/* Menü: nie umbrechen; auf kleineren Laptops etwas enger (längere Wörter in PT/ES) */
.nav > a, .nav__drop-btn { white-space: nowrap; }
@media (min-width: 1021px) and (max-width: 1240px) {
  .nav { gap: 18px; }
  .nav > a, .nav__drop-btn { font-size: 14px; }
  .header__actions { gap: 10px; }
}
.values--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.values--3.values--product .value { grid-row: span 3; }
@media (max-width: 1020px) { .values--3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 680px) { .values--3 { grid-template-columns: 1fr; } }
:lang(es) .newtotal.is-over::after { content: " Máximo CHF 250'000."; }
.nav__drop-btn svg, .lang summary svg { flex-shrink: 0; }
/* Logo nie zusammendrücken; Spanisch hat längere Menüwörter → Menü etwas enger */
.header__logo, .header__logo img { flex-shrink: 0; }
@media (min-width: 1021px) {
  html:lang(es) .nav { gap: 20px; }
  html:lang(es) .nav > a, html:lang(es) .nav__drop-btn { font-size: 15px; }
}
@media (min-width: 1021px) and (max-width: 1240px) {
  html:lang(es) .nav { gap: 16px; }
  html:lang(es) .nav > a, html:lang(es) .nav__drop-btn { font-size: 14px; }
}
/* Privatkredit-Bild: Kopf des Wanderers nicht abschneiden */
@media (min-width: 761px) { .product-hero .hero__bg[style*="privatkredit.jpg"] { background-position: center 22%; } }
/* Autokredit-Bild am PC: breite Version, Frau und Auto rechts neben dem Text */
@media (min-width: 761px) { .product-hero .hero__bg[style*="autokredit.jpg"] { background-image: url("/assets/img/autokredit-wide.jpg") !important; background-size: cover; background-position: center 25%; } }
@media (max-width: 760px) { .product-hero .hero__bg[style*="autokredit.jpg"] { background-position: 62% 60%; } }
/* Konsumkredit-Bild: Paar rechts */
@media (min-width: 761px) { .product-hero .hero__bg[style*="konsumkredit.jpg"] { background-position: center 30%; } }
@media (max-width: 760px) { .product-hero .hero__bg[style*="konsumkredit.jpg"] { background-position: 72% center; } }
/* Immobilienkredit-Bild am PC: breite Version, Personen rechts neben dem Text */
@media (min-width: 761px) { .product-hero .hero__bg[style*="immobilienkredit.jpg"] { background-image: url("/assets/img/immobilienkredit-wide.jpg") !important; background-size: cover; background-position: center 30%; } }
@media (max-width: 760px) { .product-hero .hero__bg[style*="immobilienkredit.jpg"] { background-position: 45% center; } }
:lang(tr) .newtotal.is-over::after { content: " En fazla CHF 250'000."; }
html:lang(tr) .badge-rate small { letter-spacing: .03em; }
@media (max-width: 760px) { html:lang(tr) .badge-rate { width: 84px; height: 84px; } html:lang(tr) .badge-rate small { font-size: 7.5px; letter-spacing: .02em; } }
/* Ablösen & Aufstocken: Kopfbereich mit Foto */
.page-hero--photo .page-hero__inner { padding-top: 110px; padding-bottom: 110px; }
.page-hero--photo .hero__bg { background-size: cover; background-position: 50% 30%; }
@media (min-width: 761px) { .page-hero--photo .hero__bg[style*="abloesen.jpg"] { background-image: url("/assets/img/abloesen-wide.jpg") !important; background-position: center 8%; } }
@media (max-width: 760px) { .page-hero--photo .page-hero__inner { padding-top: 64px; padding-bottom: 64px; } }
/* WhatsApp-Sprachwahl */
.wapop .langpop__box { max-width: 520px; }
.wapop__close { position: absolute; top: 12px; right: 14px; z-index: 2; width: 36px; height: 36px; border: 0; border-radius: 50%; background: rgba(255,255,255,.12); color: #fff; font-size: 22px; line-height: 1; cursor: pointer; }
.wapop__close:hover { background: rgba(255,255,255,.22); }
.wapop__icon { width: 52px; height: 52px; border-radius: 50%; background: var(--gold); color: var(--navy); display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.wapop__icon svg { width: 26px; height: 26px; }
.wapop .langpop__hello { font-size: 22px; }
.langpop__grid .langpop__opt:first-child { grid-column: 1 / -1; }
/* Sprach-Pop-up: weisser Logo-Balken, darunter blauer Begrüssungsbereich */
.langpop__logobar { background: #fff; text-align: center; padding: 26px 24px 20px; }
.langpop__logoimg { display: block; width: 92px; height: auto; margin: 0 auto 10px; }
.langpop--light .langpop__brand { color: var(--navy); font-size: 13px; letter-spacing: .34em; margin-bottom: 0; }
.langpop--light .langpop__brand::before, .langpop--light .langpop__brand::after { background: rgba(184,154,90,.55); }
.langpop--light .langpop__top { padding-top: 28px; }
@media (max-width: 480px) { .langpop__logobar { padding: 20px 20px 16px; } .langpop__logoimg { width: 76px; } }
@media (max-width: 480px) {
  .langpop--light .langpop__logoimg { width: 62px; margin-bottom: 8px; }
  .langpop--light .langpop__logobar { padding: 16px 20px 14px; }
  .langpop--light .langpop__top { padding: 20px 18px 18px; }
  .langpop--light .langpop__hello { font-size: 20px; }
  .langpop--light .langpop__sub { font-size: 12.5px; }
  .langpop--light .langpop__sub span { display: inline !important; }
  .langpop--light .langpop__sub .dot::after, .langpop--light .langpop__sub span:nth-child(2)::after { content: " · " !important; }
  .langpop--light .langpop__body { padding: 16px 16px 14px; }
  .langpop--light .langpop__grid { gap: 8px; }
  .langpop--light .langpop__opt { padding: 10px 14px; }
  .langpop--light .langpop__code { width: 36px; height: 36px; font-size: 12px; }
  .langpop--light .langpop__note { margin-top: 12px; }
  .langpop { overflow-y: auto; align-items: flex-start; padding-top: 16px; padding-bottom: 16px; }
}