/* =========================================================
   Ihr Finanzierungsspezialist – globales Stylesheet
   Designsystem "Ledger": Navy-Tinte auf warmem Papier.
   - Serifen-Display bei Gewicht 400, Laufweite zieht mit der Groesse an
   - Haarlinien und Flaechentoene tragen die Struktur, nicht Schatten
   - Farbe ist rationiert: Navy fuehrt, Blau nur fuer Aktionen, Gold selten
   - Motion: Expo-Out, langsam, gestaffelt
   ========================================================= */

:root {
  /* Tinte */
  --color-primary: #16213e;
  --color-primary-dark: #0e1729;
  --color-text: #16213e;
  --color-text-soft: #5d6577;
  --color-text-muted: #91929c;

  /* Aktion & Akzent */
  --color-accent: #2563eb;
  --color-accent-dark: #1d4ed8;
  --color-accent-light: #e9effc;
  --color-gold: #a8781f;
  --color-gold-light: #f5ecd8;

  /* Warmes Papier */
  --color-bg: #faf9f6;
  --color-bg-alt: #f3f1ec;
  --color-bg-sink: #ebe8e0;
  --color-surface: #ffffff;
  --color-border: #e6e2d8;
  --color-border-strong: #d6d0c1;

  --color-primary-light: #eceaf2;
  --color-danger: #a8342a;
  --color-success: #1a7f4b;

  /* Form: Pillen fuer Aktionen, weiche Radien fuer Flaechen */
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 22px;
  --radius-pill: 999px;

  /* Nur schwebende Artefakte bekommen Schatten - sonst nichts. */
  --shadow-float: 0 0 0 1px rgba(22, 33, 62, 0.04), 0 18px 32px -12px rgba(22, 33, 62, 0.16);
  --shadow-sm: 0 1px 2px rgba(22, 33, 62, 0.04);
  --shadow-md: 0 10px 30px -12px rgba(22, 33, 62, 0.18);
  --shadow-lg: 0 24px 60px -20px rgba(22, 33, 62, 0.24);

  --max-width: 1180px;
  --font-display: 'Source Serif 4', Georgia, 'Times New Roman', serif;
  --font-heading: 'Inter Tight', 'Inter', 'Segoe UI', system-ui, sans-serif;
  --font-body: 'Inter Tight', 'Inter', 'Segoe UI', system-ui, sans-serif;

  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
}

* { box-sizing: border-box; }
[id] { scroll-margin-top: 100px; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  overflow-x: hidden;
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-bg);
  font-size: 1.02rem;
  line-height: 1.65;
  letter-spacing: -0.006em;
  font-variant-numeric: tabular-nums;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: var(--color-primary); text-decoration: none; }
a:hover { color: var(--color-accent); }

/* Serifen-Display traegt H1/H2 - Gewicht bleibt bei 400, die Autoritaet
   kommt aus Groesse und Laufweite, nicht aus Fettung. */
h1, h2 {
  font-family: var(--font-display);
  color: var(--color-primary);
  font-weight: 400;
  margin: 0 0 0.42em;
}
h1 { font-size: clamp(2.4rem, 4.6vw, 3.7rem); line-height: 1.07; letter-spacing: -0.026em; }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.65rem); line-height: 1.14; letter-spacing: -0.022em; }

h3, h4 {
  font-family: var(--font-heading);
  color: var(--color-primary);
  font-weight: 600;
  line-height: 1.32;
  letter-spacing: -0.012em;
  margin: 0 0 0.6em;
}
h3 { font-size: 1.2rem; }
h4 { font-size: 1rem; }

p { margin: 0 0 1.1em; color: var(--color-text-soft); }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 28px;
}

/* Typografisches Tag statt Badge - bewusst gewichtslos. */
.eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.71rem;
  font-weight: 500;
  color: var(--color-text-muted);
  margin-bottom: 18px;
}

section { padding: 104px 0; }
section.tight { padding: 60px 0; }
.bg-alt { background: var(--color-bg-alt); }
.bg-primary { background: var(--color-primary); color: #fff; }
.bg-primary h1, .bg-primary h2, .bg-primary h3, .bg-primary p { color: #fff; }

.section-head { max-width: 700px; margin: 0 auto 52px; text-align: center; }
.section-head p { color: var(--color-text-soft); font-size: 1.06rem; }

/* ---------- Buttons: gefuellte Pille + Ghost-Pille als Paar ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: var(--radius-pill);
  font-weight: 500;
  font-size: 0.97rem;
  letter-spacing: -0.008em;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background .25s var(--ease-out-expo), color .25s var(--ease-out-expo), border-color .25s var(--ease-out-expo);
  font-family: var(--font-body);
}
.btn-accent { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }
.btn-accent:hover { background: var(--color-accent); border-color: var(--color-accent); color: #fff; }
.btn-outline { background: transparent; border-color: rgba(255,255,255,0.45); color: #fff; }
.btn-outline:hover { background: rgba(255,255,255,0.12); color: #fff; }
.btn-outline-dark { background: transparent; border-color: var(--color-primary); color: var(--color-primary); }
.btn-outline-dark:hover { background: var(--color-primary); border-color: var(--color-primary); color: #fff; }
.btn-block { width: 100%; justify-content: center; }
.btn-sm { padding: 10px 18px; font-size: 0.89rem; }

/* ---------- Header: fluesterleise, keine Trennlinie im Ruhezustand ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 249, 246, 0.82);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s var(--ease-out-expo), background .3s var(--ease-out-expo);
}
.site-header.scrolled { border-bottom-color: var(--color-border); background: rgba(250, 249, 246, 0.94); }
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
}
.logo {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  gap: 3px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.3rem;
  color: var(--color-primary);
}
.logo svg { width: 34px; height: 34px; flex-shrink: 0; }
.logo span.tag { display: block; font-size: 0.62rem; font-weight: 500; letter-spacing: 0.05em; color: var(--color-text-soft); text-transform: uppercase; }
.logo-img { height: 32px; width: auto; flex-shrink: 0; display: block; }
.logo-text { font-family: var(--font-heading); font-weight: 500; font-size: 0.76rem; letter-spacing: 0.01em; color: var(--color-text-soft); white-space: nowrap; display: block; }

.main-nav { display: flex; align-items: center; gap: 2px; }
.main-nav ul { list-style: none; display: flex; gap: 0; margin: 0; padding: 0; align-items: center; }
.main-nav a.nav-link {
  display: block;
  padding: 8px 14px;
  border-radius: var(--radius-pill);
  font-weight: 400;
  font-size: 0.94rem;
  color: var(--color-text-soft);
  white-space: nowrap;
  transition: color .2s var(--ease-out-expo), background .2s var(--ease-out-expo);
}
.main-nav a.nav-link:hover, .main-nav a.nav-link.active { color: var(--color-primary); background: var(--color-bg-alt); }

.has-dropdown { position: static; }
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  display: flex;
  justify-content: center;
  background: var(--color-surface);
  box-shadow: var(--shadow-md);
  padding: 30px 24px 24px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity .3s var(--ease-out-expo), transform .3s var(--ease-out-expo), visibility .3s;
  border-top: 1px solid var(--color-border);
}
.has-dropdown:hover .dropdown-menu,
.has-dropdown:focus-within .dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown-menu a {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  gap: 8px; padding: 4px 28px; color: var(--color-text); font-size: 0.9rem;
  border-right: 1px solid var(--color-border);
  min-width: 150px; max-width: 200px;
}
.dropdown-menu a:last-child { border-right: none; }
.dropdown-menu a:hover { color: var(--color-primary); }
.dropdown-menu a:hover .nav-icon { color: var(--color-accent-dark); background: var(--color-accent-light); }
.dropdown-menu a span { order: 1; font-family: var(--font-heading); font-weight: 600; }
.dropdown-menu a small { display: block; color: var(--color-text-soft); font-weight: 400; font-size: 0.78rem; margin-top: 2px; }
.nav-icon {
  order: 2; width: 17px; height: 17px; flex: 0 0 auto; padding: 9px; box-sizing: content-box;
  border-radius: var(--radius-pill); background: var(--color-bg-alt); color: var(--color-text-muted);
  transition: background .2s var(--ease-out-expo), color .2s var(--ease-out-expo);
  /* Die Eintraege sind gleich hoch, die Beschreibungen unterschiedlich lang.
     margin-top:auto setzt alle Icons auf die Unterkante - dadurch stehen sie
     im Menue auf einer Linie, auch wenn der Abstand zum Text variiert. */
  margin-top: auto;
}

.header-cta { display: flex; align-items: center; gap: 10px; margin-left: 24px; }
.header-cta .btn-sm.header-only { padding: 10px 18px; font-size: 0.9rem; font-weight: 500; white-space: nowrap; }
.nav-toggle {
  display: none;
  background: none; border: none; cursor: pointer;
  width: 42px; height: 42px; border-radius: var(--radius-pill);
  align-items: center; justify-content: center;
}
.nav-toggle:hover { background: var(--color-bg-alt); }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  display: block; width: 20px; height: 1.5px; background: var(--color-primary);
  position: relative; transition: all .3s var(--ease-out-expo);
}
.nav-toggle span::before, .nav-toggle span::after { content: ''; position: absolute; left: 0; }
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after { top: 6px; }
.nav-toggle.open span { background: transparent; }
.nav-toggle.open span::before { top: 0; transform: rotate(45deg); }
.nav-toggle.open span::after { top: 0; transform: rotate(-45deg); }

/* ---------- Breadcrumb ---------- */
.breadcrumb { font-size: 0.8rem; color: var(--color-text-muted); padding: 18px 0 0; }
.breadcrumb a { color: var(--color-text-muted); }
.breadcrumb a:hover { color: var(--color-accent); }
.breadcrumb .sep { margin: 0 7px; opacity: .5; }

/* ---------- Hero: redaktioneller Aufmacher ---------- */
.hero { padding: 76px 0 96px; position: relative; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; }
.hero-grid > * { min-width: 0; }
.hero p { font-size: 1.12rem; line-height: 1.6; max-width: 34em; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; margin: 26px 0 32px; }
.hero-badge {
  display: flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.22);
  padding: 8px 16px; border-radius: var(--radius-pill); font-size: 0.85rem; font-weight: 400;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-visual {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.stat-card { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14); border-radius: var(--radius-md); padding: 20px; text-align: center; }
.stat-card .num { font-family: var(--font-display); font-size: 2rem; font-weight: 400; letter-spacing: -0.024em; color: #fff; }
.stat-card .label { font-size: 0.8rem; opacity: 0.8; }

/* ---------- Helle, foto-gefuehrte Hero-Variante ---------- */
.hero-light { background: var(--color-bg); }
.hero-light h1 { color: var(--color-primary); }
.hero-light p { color: var(--color-text-soft); }
.hero-badges-clean { display: flex; flex-wrap: wrap; gap: 8px; margin: 26px 0 32px; }
.hero-badge-clean {
  background: transparent; border: 1px solid var(--color-border-strong); color: var(--color-text-soft);
  font-size: 0.82rem; font-weight: 400; padding: 7px 15px; border-radius: var(--radius-pill);
}
.hero-photo-wrap { position: relative; }
.hero-photo { display: block; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--radius-lg); }
/* Das einzige schwebende Artefakt im System - nur hier ein Schatten. */
.hero-photo-badge {
  position: absolute; left: -22px; bottom: -22px;
  background: var(--color-surface); border-radius: var(--radius-md); box-shadow: var(--shadow-float);
  padding: 18px 24px; max-width: 210px;
}
.hero-photo-badge .num { font-family: var(--font-display); font-weight: 400; font-size: 1.85rem; letter-spacing: -0.024em; color: var(--color-primary); line-height: 1.1; }
.hero-photo-badge .label { font-size: 0.76rem; color: var(--color-text-soft); margin-top: 3px; line-height: 1.4; }
@media (max-width: 720px) {
  .hero-photo-badge { left: 14px; bottom: 14px; padding: 14px 18px; }
}

/* ---------- Karten: flach, randlos, weiche Radien ---------- */
.grid { display: grid; gap: 20px; }
.grid > * { min-width: 0; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.contact-grid { grid-template-columns: 1.4fr 1fr; align-items: flex-start; }

.card {
  background: var(--color-surface);
  border: none;
  border-radius: var(--radius-lg);
  padding: 34px;
  transition: background .3s var(--ease-out-expo);
}
.bg-alt .card { background: var(--color-surface); }
.card .icon {
  width: 42px; height: 42px; border-radius: var(--radius-pill);
  background: var(--color-bg-alt); color: var(--color-primary);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.card .icon svg { width: 20px; height: 20px; }
.card h3 { margin-bottom: 10px; }
.card a.card-link {
  font-weight: 500; font-size: 0.92rem; color: var(--color-primary);
  display: inline-flex; align-items: center; gap: 6px;
  transition: gap .3s var(--ease-out-expo);
}
.card a.card-link:hover { gap: 11px; color: var(--color-accent); }

.usp-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
.usp-list li {
  display: flex; gap: 18px; align-items: flex-start;
  background: transparent; border: none; border-top: 1px solid var(--color-border);
  border-radius: 0; padding: 24px 4px;
}
.usp-list li:last-child { border-bottom: 1px solid var(--color-border); }
.usp-list .tick {
  flex-shrink: 0; width: 24px; height: 24px; border-radius: var(--radius-pill);
  background: var(--color-primary); color: #fff; font-size: 0.72rem; font-weight: 500;
  display: flex; align-items: center; justify-content: center; margin-top: 2px;
}
.usp-list strong { color: var(--color-primary); font-weight: 600; }

/* ---------- Motion: Expo-Out, langsam, gestaffelt ---------- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .9s var(--ease-out-expo), transform .9s var(--ease-out-expo);
}
.reveal.in-view { opacity: 1; transform: none; }

/* Kinder von Raster- und Listencontainern laufen versetzt ein. */
.grid.reveal > *,
.usp-list.reveal > li,
.accordion.reveal > *,
.topic-grid.reveal > * {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .8s var(--ease-out-expo), transform .8s var(--ease-out-expo);
}
.grid.reveal.in-view > *,
.usp-list.reveal.in-view > li,
.accordion.reveal.in-view > *,
.topic-grid.reveal.in-view > * { opacity: 1; transform: none; }
.grid.reveal.in-view > *:nth-child(1), .usp-list.reveal.in-view > li:nth-child(1), .accordion.reveal.in-view > *:nth-child(1), .topic-grid.reveal.in-view > *:nth-child(1) { transition-delay: .04s; }
.grid.reveal.in-view > *:nth-child(2), .usp-list.reveal.in-view > li:nth-child(2), .accordion.reveal.in-view > *:nth-child(2), .topic-grid.reveal.in-view > *:nth-child(2) { transition-delay: .11s; }
.grid.reveal.in-view > *:nth-child(3), .usp-list.reveal.in-view > li:nth-child(3), .accordion.reveal.in-view > *:nth-child(3), .topic-grid.reveal.in-view > *:nth-child(3) { transition-delay: .18s; }
.grid.reveal.in-view > *:nth-child(4), .usp-list.reveal.in-view > li:nth-child(4), .accordion.reveal.in-view > *:nth-child(4), .topic-grid.reveal.in-view > *:nth-child(4) { transition-delay: .25s; }
.grid.reveal.in-view > *:nth-child(5), .usp-list.reveal.in-view > li:nth-child(5), .accordion.reveal.in-view > *:nth-child(5), .topic-grid.reveal.in-view > *:nth-child(5) { transition-delay: .32s; }
.grid.reveal.in-view > *:nth-child(6), .usp-list.reveal.in-view > li:nth-child(6), .accordion.reveal.in-view > *:nth-child(6), .topic-grid.reveal.in-view > *:nth-child(6) { transition-delay: .39s; }
.grid.reveal.in-view > *:nth-child(n+7), .usp-list.reveal.in-view > li:nth-child(n+7), .accordion.reveal.in-view > *:nth-child(n+7), .topic-grid.reveal.in-view > *:nth-child(n+7) { transition-delay: .46s; }

/* Hero laeuft beim Laden ein, nicht erst beim Scrollen. */
@keyframes rise-in {
  from { opacity: 0; transform: translateY(26px); }
  to   { opacity: 1; transform: none; }
}
.hero-grid > div > *,
.hero-photo-wrap { animation: rise-in 1s var(--ease-out-expo) both; }
.hero-grid > div > *:nth-child(1) { animation-delay: .05s; }
.hero-grid > div > *:nth-child(2) { animation-delay: .13s; }
.hero-grid > div > *:nth-child(3) { animation-delay: .21s; }
.hero-grid > div > *:nth-child(4) { animation-delay: .29s; }
.hero-grid > div > *:nth-child(5) { animation-delay: .37s; }
.hero-photo-wrap { animation-delay: .22s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-delay: 0ms !important;
    transition-duration: .01ms !important;
    transition-delay: 0ms !important;
    scroll-behavior: auto !important;
  }
  .reveal, .grid.reveal > *, .usp-list.reveal > li, .accordion.reveal > *, .topic-grid.reveal > * { opacity: 1; transform: none; }
}

/* ---------- Steps ---------- */
.steps { counter-reset: step; display: grid; gap: 24px; }
.step { display: flex; gap: 22px; align-items: flex-start; }
.step .step-num {
  counter-increment: step;
  width: 44px; height: 44px; border-radius: var(--radius-pill);
  background: var(--color-primary); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 400; font-size: 1.1rem; flex-shrink: 0;
}
.step .step-num::before { content: counter(step); }

/* ---------- Tabellen: Datenblatt-Charakter ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius-md); border: 1px solid var(--color-border); background: var(--color-surface); }
table { width: 100%; border-collapse: collapse; }
th, td { padding: 15px 18px; text-align: left; border-bottom: 1px solid var(--color-border); font-size: 0.92rem; }
th {
  background: transparent; color: var(--color-text-muted); font-family: var(--font-heading);
  font-weight: 500; font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.11em;
  border-bottom-color: var(--color-border-strong);
}
tr:last-child td { border-bottom: none; }
td.hl, th.hl { background: var(--color-bg-alt); }
td[rowspan] { font-weight: 500; vertical-align: middle; color: var(--color-primary); }
tr.group-start td { border-top: 1px solid var(--color-border-strong); }

/* ---------- FAQ-Themen ---------- */
.topic-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 8px; }
.topic-grid > * { min-width: 0; }
.topic-btn {
  font-family: var(--font-heading); font-weight: 400; font-size: 0.97rem; letter-spacing: -0.01em;
  background: transparent; border: 1px solid var(--color-border-strong); color: var(--color-text-soft);
  padding: 20px 18px; border-radius: var(--radius-md); cursor: pointer;
  transition: color .25s var(--ease-out-expo), border-color .25s var(--ease-out-expo), background .25s var(--ease-out-expo);
  display: flex; align-items: center; justify-content: center; text-align: center; min-height: 72px;
}
.topic-btn:hover { border-color: var(--color-primary); color: var(--color-primary); }
.topic-btn.active { background: var(--color-primary); border-color: var(--color-primary); color: #fff; }

.topic-panels { margin-top: 40px; scroll-margin-top: 100px; }
/* Aufklapp-Panels bleiben immer im Markup vorhanden (kein display:none), damit
   Google & KI-Crawler den vollständigen Textinhalt aller Themen lesen können. */
.topic-panel {
  max-height: 0; overflow: hidden; opacity: 0;
  transition: max-height .5s var(--ease-out-expo), opacity .4s ease;
}
.topic-panel.active { max-height: 12000px; opacity: 1; }
.topic-panel .topic-panel-head { text-align: center; margin-bottom: 26px; padding-top: 8px; }
.topic-panel .topic-panel-head h2 { margin-bottom: 4px; }
.topic-empty { text-align: center; color: var(--color-text-soft); padding: 40px 0; }

@media (max-width: 900px) { .topic-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .topic-grid { grid-template-columns: 1fr; } }

/* ---------- FAQ Accordion: Haarlinien statt Kaesten ---------- */
.accordion { display: grid; gap: 0; }
.accordion-item {
  border: none; border-top: 1px solid var(--color-border); border-radius: 0;
  overflow: hidden; background: transparent;
}
.accordion-item:last-child { border-bottom: 1px solid var(--color-border); }
.accordion-item .q {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 22px 4px; font-family: var(--font-heading); font-weight: 400; font-size: 1.01rem; letter-spacing: -0.01em;
  color: var(--color-primary); display: flex; justify-content: space-between; align-items: center; gap: 16px;
  transition: color .25s var(--ease-out-expo);
}
.accordion-item .q:hover { color: var(--color-accent); }
.accordion-item .q .plus {
  flex-shrink: 0; width: 24px; height: 24px; border-radius: var(--radius-pill);
  background: transparent; border: 1px solid var(--color-border-strong);
  display: flex; align-items: center; justify-content: center;
  transition: transform .4s var(--ease-out-expo), border-color .25s var(--ease-out-expo);
  font-size: 0.95rem; color: var(--color-text-soft);
}
.accordion-item.open .q .plus { transform: rotate(45deg); border-color: var(--color-primary); }
.accordion-item .a { max-height: 0; overflow: hidden; transition: max-height .45s var(--ease-out-expo); }
.accordion-item .a-inner { padding: 0 4px 24px; color: var(--color-text-soft); font-size: 0.97rem; max-width: 62em; }
.accordion-item.open .a { max-height: 500px; }

/* ---------- Testimonials ---------- */
.testimonial { background: var(--color-surface); border: none; border-radius: var(--radius-lg); padding: 34px; position: relative; }
.testimonial .stars { color: var(--color-gold); letter-spacing: 3px; margin-bottom: 14px; font-size: 0.85rem; }
.testimonial .quote { font-family: var(--font-display); font-size: 1.28rem; line-height: 1.45; letter-spacing: -0.014em; color: var(--color-primary); font-style: normal; }
.testimonial .who { margin-top: 18px; font-weight: 400; font-size: 0.86rem; color: var(--color-text-muted); }

.testimonial-carousel { max-width: 640px; margin: 0 auto; overflow: hidden; }
.testimonial-track { display: flex; transition: transform .8s var(--ease-out-expo); }
.testimonial-slide { flex: 0 0 100%; min-width: 0; padding: 4px; box-sizing: border-box; }
.testimonial-slide .testimonial { min-height: 200px; display: flex; flex-direction: column; justify-content: center; }
.carousel-dots { display: flex; justify-content: center; gap: 8px; margin-top: 26px; }
.carousel-dots button { width: 6px; height: 6px; padding: 0; border-radius: var(--radius-pill); background: var(--color-border-strong); border: none; cursor: pointer; transition: all .4s var(--ease-out-expo); }
.carousel-dots button.active { background: var(--color-primary); width: 26px; }
.carousel-dots button:hover { background: var(--color-text-soft); }

.contact-person { display: flex; align-items: center; gap: 16px; margin-bottom: 20px; padding-bottom: 20px; border-bottom: 1px solid var(--color-border); }
.contact-portrait { width: 58px; height: 58px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.contact-person strong { display: block; color: var(--color-primary); font-family: var(--font-heading); font-weight: 600; font-size: 0.98rem; }
.contact-person span { display: block; font-size: 0.85rem; color: var(--color-text-muted); }

/* ---------- Partner-Kreditinstitute ---------- */
.partner-credential { display: flex; align-items: center; justify-content: center; gap: 12px; }
.partner-logo { height: 26px; width: auto; border-radius: 4px; }
.partner-credential span { font-family: var(--font-heading); font-weight: 400; font-size: 0.86rem; color: var(--color-text-muted); }

.bank-logos { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 12px; }
.bank-logo-card {
  background: var(--color-surface); border: none; border-radius: var(--radius-md); padding: 12px 22px;
  display: flex; align-items: center; justify-content: center; height: 58px; overflow: hidden;
  transition: opacity .3s var(--ease-out-expo); opacity: .78;
}
.bank-logo-card:hover { opacity: 1; }
.bank-logo-card img { height: 100%; width: auto; max-width: 160px; object-fit: contain; }
.bank-logo-card.fill { padding: 0; }
.bank-logo-card.fill img { height: 100%; width: auto; max-width: 160px; object-fit: cover; }
.bank-logo-card.fill.wide img { max-width: 185px; }
.bank-logo-card.zoom img { transform: scale(1.35); }

/* ---------- Trust strip ---------- */
.trust-strip { display: flex; flex-wrap: wrap; gap: 38px; align-items: center; justify-content: center; }
.trust-strip .badge { display: flex; align-items: center; gap: 9px; font-weight: 400; color: var(--color-text-muted); font-size: 0.88rem; }
.trust-strip svg { width: 19px; height: 19px; color: var(--color-text-muted); }

/* ---------- Formulare ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid > * { min-width: 0; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 500; font-size: 0.85rem; color: var(--color-text); }
.field .hint { font-size: 0.78rem; color: var(--color-text-muted); }
input[type=text], input[type=email], input[type=tel], input[type=number], input[type=month], select, textarea {
  border: 1px solid var(--color-border-strong); border-radius: var(--radius-sm); padding: 13px 15px;
  font-family: var(--font-body); font-size: 0.95rem; color: var(--color-text); background: var(--color-surface);
  transition: border-color .25s var(--ease-out-expo), box-shadow .25s var(--ease-out-expo);
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--color-primary); box-shadow: 0 0 0 3px rgba(22,33,62,0.07); }
textarea { resize: vertical; min-height: 120px; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; font-size: 0.88rem; color: var(--color-text-soft); }
.checkbox-row input { margin-top: 3px; }
.form-note { font-size: 0.78rem; color: var(--color-text-muted); margin-top: 12px; }
.form-success { display: none; background: var(--color-bg-alt); border: none; border-left: 2px solid var(--color-success); color: var(--color-primary); padding: 16px 20px; border-radius: var(--radius-sm); font-weight: 500; margin-top: 18px; }
.form-success.show { display: block; }
.form-error { display: none; background: var(--color-bg-alt); border: none; border-left: 2px solid var(--color-danger); color: var(--color-danger); padding: 16px 20px; border-radius: var(--radius-sm); font-weight: 500; margin-top: 18px; }
.form-error.show { display: block; }

.conditional-fields { display: none; grid-column: 1 / -1; border: none; border-top: 1px solid var(--color-border); margin: 8px 0 0; padding: 22px 0 0; }
.conditional-fields.show { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.conditional-fields.show > * { min-width: 0; }
.conditional-fields .field.full { grid-column: 1 / -1; }
.conditional-fields legend { grid-column: 1 / -1; font-family: var(--font-heading); font-weight: 600; color: var(--color-primary); margin: 0 0 6px; padding: 0; font-size: 0.9rem; }

.prefill-banner { display: none; background: var(--color-bg-alt); border: none; border-left: 2px solid var(--color-primary); color: var(--color-primary); padding: 15px 20px; border-radius: var(--radius-sm); font-size: 0.88rem; margin-bottom: 22px; }
.prefill-banner.show { display: block; }
.prefill-banner strong { color: var(--color-primary); }

/* ---------- Rechner ---------- */
.calc-shell { background: var(--color-surface); border: none; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-float); }
.calc-tabs { display: flex; background: transparent; border-bottom: 1px solid var(--color-border); }
.calc-tab { flex: 1; padding: 18px; text-align: center; font-weight: 400; cursor: pointer; border: none; background: none; font-family: var(--font-heading); color: var(--color-text-muted); font-size: 0.95rem; transition: color .25s var(--ease-out-expo); }
.calc-tab.active { background: transparent; color: var(--color-primary); box-shadow: inset 0 -1px 0 var(--color-primary); }
.calc-body { display: grid; grid-template-columns: 1.1fr 1fr; gap: 0; }
.calc-body > *, .calc-panel.active > * { min-width: 0; }
.calc-inputs { padding: 36px; border-right: 1px solid var(--color-border); }
.calc-results { padding: 36px; background: var(--color-bg-alt); }
.calc-panel { display: none; }
.calc-panel.active { display: grid; grid-template-columns: 1.1fr 1fr; gap: 0; }

.range-row { margin-bottom: 24px; }
.range-row .row-label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; font-weight: 400; font-size: 0.9rem; color: var(--color-text-soft); }
.range-row .row-label output { color: var(--color-primary); font-family: var(--font-display); font-weight: 400; font-size: 1.16rem; letter-spacing: -0.018em; }
input[type=range] {
  width: 100%; appearance: none; height: 2px; border-radius: var(--radius-pill); background: var(--color-border-strong); outline: none;
}
input[type=range]::-webkit-slider-thumb {
  appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--color-primary);
  border: 3px solid var(--color-surface); box-shadow: 0 0 0 1px var(--color-primary); cursor: pointer;
}
input[type=range]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%; background: var(--color-primary); border: 3px solid var(--color-surface);
  box-shadow: 0 0 0 1px var(--color-primary); cursor: pointer;
}

.result-hero { text-align: center; padding: 20px 0 28px; border-bottom: 1px solid var(--color-border); margin-bottom: 22px; }
.result-hero .value { font-family: var(--font-display); font-size: 3rem; font-weight: 400; letter-spacing: -0.03em; color: var(--color-primary); line-height: 1.05; }
.result-hero .value small { font-size: 1.05rem; font-weight: 400; color: var(--color-text-soft); }
.result-hero .caption { color: var(--color-text-muted); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 6px; }
.result-list { display: grid; gap: 0; margin-bottom: 22px; }
.result-list .r-row { display: flex; justify-content: space-between; gap: 18px; font-size: 0.91rem; padding: 12px 0; border-bottom: 1px solid var(--color-border); }
.result-list .r-row span:first-child { color: var(--color-text-soft); }
.result-list .r-row span:last-child { font-weight: 500; color: var(--color-primary); }
.calc-alert { background: var(--color-gold-light); border: none; border-left: 2px solid var(--color-gold); color: #6f4f14; padding: 13px 16px; border-radius: var(--radius-sm); font-size: 0.85rem; margin-bottom: 18px; display: none; }
.calc-alert.show { display: block; }

.donut-wrap { display: flex; align-items: center; gap: 22px; margin: 20px 0; }
.donut-legend { font-size: 0.85rem; display: grid; gap: 7px; }
.donut-legend .dot { display: inline-block; width: 8px; height: 8px; border-radius: 50%; margin-right: 7px; }

.widget-embed { border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 22px; background: var(--color-bg-alt); text-align: center; color: var(--color-text-soft); font-size: 0.85rem; }
.widget-embed iframe { width: 100%; min-height: 640px; border: none; border-radius: var(--radius-sm); background: var(--color-surface); }

/* ---------- CTA-Band ---------- */
.cta-band { background: var(--color-primary); color: #fff; border-radius: var(--radius-lg); padding: 56px; display: flex; align-items: center; justify-content: space-between; gap: 34px; flex-wrap: wrap; }
.cta-band h2, .cta-band p { color: #fff; }
.cta-band h2 { margin-bottom: 0; }
.cta-band p { opacity: 0.72; margin: 10px 0 0; }

/* ---------- Footer ---------- */
.site-footer { background: var(--color-primary-dark); color: rgba(255,255,255,0.78); padding: 80px 0 30px; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 44px; margin-bottom: 48px; }
.footer-grid > * { min-width: 0; }
.footer-grid h4 { color: rgba(255,255,255,0.5); font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.13em; font-weight: 500; margin-bottom: 18px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 11px; }
.footer-grid a { color: rgba(255,255,255,0.72); font-size: 0.9rem; transition: color .25s var(--ease-out-expo); }
.footer-grid a:hover { color: #fff; }
.footer-logo { display: flex; align-items: center; gap: 11px; font-family: var(--font-heading); font-weight: 500; font-size: 0.98rem; color: #fff; margin-bottom: 16px; }
.footer-logo svg { width: 28px; height: 28px; }
.footer-logo img { height: 28px; width: auto; filter: brightness(0) invert(1); }

/* Profile in sozialen Netzwerken - im Footer sichtbar und zusaetzlich als
   sameAs in den Strukturdaten, damit Google die Konten der Marke zuordnet. */
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
  display: flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: var(--radius-pill);
  border: 1px solid rgba(255,255,255,0.18); color: rgba(255,255,255,0.72);
  transition: border-color .25s var(--ease-out-expo), color .25s var(--ease-out-expo), background .25s var(--ease-out-expo);
}
.footer-social a:hover { border-color: rgba(255,255,255,0.45); color: #fff; background: rgba(255,255,255,0.07); }
.footer-social svg { width: 18px; height: 18px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 26px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 0.79rem; color: rgba(255,255,255,0.45); }
.footer-bottom a { color: rgba(255,255,255,0.45); }
.footer-bottom a:hover { color: #fff; }

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.small { font-size: 0.84rem; color: var(--color-text-muted); }
.tag-list { display: flex; flex-wrap: wrap; gap: 10px; }
.tag { background: transparent; color: var(--color-text-muted); font-size: 0.76rem; font-weight: 400; text-transform: uppercase; letter-spacing: 0.09em; padding: 0; }

/* ---------- Slide-Rechner (Landingpages) ---------- */
/* Oberer Innenabstand haelt die Fortschrittslinie unterhalb des Zurueck-Buttons -
   sonst laeuft die Linie mitten durch den Pfeil. */
.slide-calc {
  max-width: 580px; margin: 0 auto; background: var(--color-surface); border: none;
  border-radius: var(--radius-lg); box-shadow: var(--shadow-float); padding: 82px 44px 52px; position: relative;
}
.slide-calc-progress { height: 2px; background: var(--color-border); border-radius: var(--radius-pill); margin-bottom: 36px; overflow: hidden; }
.slide-calc-progress-bar { height: 100%; background: var(--color-primary); border-radius: var(--radius-pill); transition: width .6s var(--ease-out-expo); width: 14%; }
.sc-back {
  position: absolute; top: 26px; left: 26px; width: 32px; height: 32px; border-radius: var(--radius-pill);
  background: transparent; border: 1px solid var(--color-border-strong); color: var(--color-text-soft); font-size: 0.95rem; cursor: pointer;
  display: flex; align-items: center; justify-content: center; transition: border-color .25s var(--ease-out-expo), color .25s var(--ease-out-expo);
}
.sc-back:hover { border-color: var(--color-primary); color: var(--color-primary); }
.sc-slide { display: none; }
.sc-slide.active { display: block; animation: sc-fade-in .55s var(--ease-out-expo); }
@keyframes sc-fade-in { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.sc-slide h3 { font-family: var(--font-display); font-weight: 400; font-size: 1.62rem; line-height: 1.2; letter-spacing: -0.022em; margin: 0 0 30px; text-align: center; }
.sc-value-box {
  display: flex; align-items: baseline; justify-content: center; gap: 8px; font-family: var(--font-display);
  font-weight: 400; font-size: 2.2rem; letter-spacing: -0.028em;
  color: var(--color-primary); margin-bottom: 18px;
}
.sc-value-box input {
  border: none; border-bottom: 1px solid transparent; background: none; text-align: right; width: 160px;
  font: inherit; color: inherit; padding: 2px 0;
}
.sc-value-box input:focus { outline: none; border-bottom-color: var(--color-primary); }
.sc-slide input[type="range"] { width: 100%; }
.sc-range-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--color-text-muted); margin-top: 8px; margin-bottom: 30px; }
.sc-tiles { display: flex; flex-direction: column; gap: 8px; margin-bottom: 4px; }
.sc-tile {
  padding: 17px 22px; border: 1px solid var(--color-border-strong); border-radius: var(--radius-pill); background: transparent;
  font-family: var(--font-heading); font-weight: 400; font-size: 0.97rem; text-align: center; cursor: pointer;
  color: var(--color-text); transition: border-color .25s var(--ease-out-expo), background .25s var(--ease-out-expo), color .25s var(--ease-out-expo);
}
.sc-tile:hover { border-color: var(--color-primary); }
.sc-tile.selected { border-color: var(--color-primary); background: var(--color-primary); color: #fff; }
.sc-select { width: 100%; padding: 14px 16px; border: 1px solid var(--color-border-strong); border-radius: var(--radius-sm); font: inherit; margin-bottom: 26px; background: var(--color-surface); }
.sc-result-hero { text-align: center; background: var(--color-bg-alt); border: none; border-radius: var(--radius-md); padding: 30px; margin-bottom: 20px; }
.sc-result-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.13em; color: var(--color-text-muted); margin-bottom: 8px; }
.sc-result-value { font-family: var(--font-display); font-weight: 400; font-size: 2.7rem; letter-spacing: -0.03em; color: var(--color-primary); line-height: 1.05; }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
@media (max-width: 620px) {
  .slide-calc { padding: 76px 24px 34px; }
  .sc-value-box input { width: 120px; }
  .result-list .r-row { flex-direction: column; gap: 3px; }
}

.cookie-banner {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 200;
  background: var(--color-surface); border-top: 1px solid var(--color-border); box-shadow: var(--shadow-lg);
  padding: 18px 0;
}
.cookie-banner-inner {
  max-width: var(--max-width); margin: 0 auto; padding: 0 28px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}
.cookie-banner-inner p { margin: 0; font-size: 0.86rem; color: var(--color-text-soft); max-width: 640px; }
.cookie-banner-inner p a { color: var(--color-primary); text-decoration: underline; }
.cookie-banner-actions { display: flex; gap: 10px; flex: 0 0 auto; }
@media (max-width: 620px) {
  .cookie-banner-inner { flex-direction: column; align-items: stretch; text-align: center; }
  .cookie-banner-actions { justify-content: center; }
}

/* ---- Bauzins-Chart ---- */
.zins-chart-wrap { position: relative; background: var(--color-surface); border: none; border-radius: var(--radius-md); padding: 18px 20px 8px; }
/* Bedienelemente ueber dem Chart: Zeitraum links, Zinsbindungen rechts */
.zins-controls { display: flex; flex-wrap: wrap; gap: 20px 40px; align-items: flex-start; margin-bottom: 22px; }
.zins-control { display: flex; flex-direction: column; gap: 9px; }
.zins-control-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.11em; color: var(--color-text-muted); font-weight: 500; }
.zins-select {
  border: 1px solid var(--color-border-strong); border-radius: var(--radius-sm);
  padding: 9px 13px; font-family: var(--font-body); font-size: 0.9rem;
  color: var(--color-text); background: var(--color-surface); min-width: 150px;
}
.zins-select:focus { outline: none; border-color: var(--color-primary); box-shadow: 0 0 0 3px rgba(22,33,62,0.07); }

.zins-checks { display: flex; flex-wrap: wrap; gap: 6px 20px; align-items: center; }
.zins-check { display: inline-flex; align-items: center; gap: 9px; cursor: pointer; font-size: 0.88rem; color: var(--color-text-soft); user-select: none; }
.zins-check input { position: absolute; opacity: 0; width: 0; height: 0; }
.zins-check-box {
  width: 17px; height: 17px; border-radius: 4px; flex: 0 0 auto;
  border: 1.5px solid var(--color-border-strong); background: var(--color-surface);
  display: inline-flex; align-items: center; justify-content: center;
  transition: background .2s var(--ease-out-expo), border-color .2s var(--ease-out-expo);
}
.zins-check input:checked + .zins-check-box { background: var(--c); border-color: var(--c); }
.zins-check input:checked + .zins-check-box::after {
  content: ''; width: 9px; height: 5px; margin-top: -2px;
  border-left: 2px solid #fff; border-bottom: 2px solid #fff; transform: rotate(-45deg);
}
.zins-check input:focus-visible + .zins-check-box { box-shadow: 0 0 0 3px rgba(22,33,62,0.14); }
.zins-check:hover .zins-check-box { border-color: var(--color-primary); }
.zins-check input:checked ~ .zins-check-text { color: var(--color-primary); }

.zins-series-label { font-family: var(--font-heading); font-size: 11px; font-weight: 600; letter-spacing: -0.01em; }
@keyframes zins-draw { to { stroke-dashoffset: 0; } }
@keyframes zins-fade-in { to { opacity: 1; } }
.zins-chart-error { opacity: .85; }
.zins-chart-svg-wrap { width: 100%; }
.zins-chart-svg { width: 100%; height: auto; display: block; overflow: visible; }

/* Die beiden Tabellen unter dem Chart. Beide haben vier Spalten, die
   Tilgungstabelle aber deutlich laengere Zellinhalte. */
/* Konditionstabelle und Meldungen nebeneinander. Beide Spalten laufen auf
   dieselbe Hoehe, damit der Block unten sauber abschliesst statt zu stueckeln:
   die Spalte ist eine Flex-Saeule, die Flaeche darin waechst in die Luecke,
   der Kleintext bleibt dadurch bei beiden auf gleicher Hoehe. */
.zins-tabellen { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 30px 38px; align-items: stretch; margin-top: 40px; }
.zins-tabellen > div { display: flex; flex-direction: column; }
.zins-tabellen > div > .table-wrap,
.zins-tabellen > div > .rate-news-box { flex: 1 1 auto; }
@media (max-width: 980px) {
  .zins-tabellen { grid-template-columns: 1fr; gap: 30px; }
}

/* Gleiche Flaeche wie die Tabellen daneben, damit beide Spalten gleich wirken. */
.rate-news-box { border-radius: var(--radius-md); border: 1px solid var(--color-border); background: var(--color-surface); padding: 18px 20px; display: flex; flex-direction: column; justify-content: center; }
/* Kompakte Variante fuer die beiden Zinstabellen - sie stehen nebeneinander
   und sollen zusammen nicht mehr Hoehe brauchen als der Chart darueber. */
.zins-kompakt th, .zins-kompakt td { padding: 10px 13px; font-size: 0.85rem; }
/* Kennzeichnet abgeleitete Randstufen, die die Quelle nicht ausweist. */
.zins-ltv-indikativ { margin-left: 5px; color: var(--color-text-muted); font-size: 0.85em; cursor: help; }
.zins-grid-line { stroke: var(--color-border); stroke-width: 1; }
.zins-axis-label { font-family: var(--font-body); font-size: 11px; fill: var(--color-text-muted); }
.zins-line { fill: none; stroke-width: 1.75; }
.zins-dot { opacity: 0; transition: opacity .15s ease, r .15s ease; }
.zins-dot.active { opacity: 1; r: 4.5; }
.zins-hover-line { stroke: var(--color-border-strong); stroke-width: 1; stroke-dasharray: 2 3; }
.zins-chart-tooltip { position: absolute; z-index: 10; background: var(--color-primary); color: #fff; border-radius: var(--radius-sm); padding: 11px 14px; font-size: 0.8rem; box-shadow: var(--shadow-md); pointer-events: none; min-width: 150px; }
.zins-tooltip-month { font-family: var(--font-heading); font-weight: 500; margin-bottom: 7px; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; opacity: .7; }
.zins-tooltip-row { display: flex; align-items: center; gap: 7px; justify-content: space-between; padding: 2px 0; }
.zins-tooltip-row strong { margin-left: auto; font-weight: 500; }
.zins-tooltip-dot { width: 6px; height: 6px; border-radius: 50%; flex: 0 0 auto; }
.zins-tooltip-src { opacity: .6; font-size: .7rem; margin-left: 4px; }
@media (max-width: 560px) {
  .zins-chart-wrap { padding: 16px 14px 8px; }
}

.rate-news-slider { display: grid; grid-template-columns: auto 1fr auto; grid-template-rows: auto auto; align-items: center; gap: 14px; }
.rate-news-nav { grid-row: 1; width: 36px; height: 36px; border-radius: var(--radius-pill); border: 1px solid var(--color-border-strong); background: transparent; font-size: 1rem; line-height: 1; cursor: pointer; display: flex; align-items: center; justify-content: center; color: var(--color-text-soft); transition: border-color .25s var(--ease-out-expo), color .25s var(--ease-out-expo); }
.rate-news-nav:hover { border-color: var(--color-primary); color: var(--color-primary); }
.rate-news-nav.prev { grid-column: 1; }
.rate-news-nav.next { grid-column: 3; }
.rate-news-slider .rate-news { grid-column: 2; grid-row: 1; position: relative; min-height: 110px; min-width: 0; }
.rate-news-slider .rate-news-item { position: absolute; inset: 0; opacity: 0; transition: opacity .5s var(--ease-out-expo); }
.rate-news-slider .rate-news-item.active { opacity: 1; z-index: 1; }
.rate-news-dots { grid-column: 1 / -1; grid-row: 2; display: flex; justify-content: center; gap: 7px; }
.rate-news-dots button { width: 6px; height: 6px; border-radius: 50%; border: none; background: var(--color-border-strong); padding: 0; cursor: pointer; transition: all .4s var(--ease-out-expo); }
.rate-news-dots button.active { background: var(--color-primary); width: 20px; border-radius: var(--radius-pill); }
@media (max-width: 560px) {
  .rate-news-slider .rate-news { min-height: 140px; }
  .rate-news-nav { width: 32px; height: 32px; }
}

.rate-news { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.rate-news-item { display: flex; align-items: center; gap: 18px; background: transparent; border: none; border-top: 1px solid var(--color-border); border-radius: 0; padding: 18px 4px; }
.rate-news-badge { flex: 0 0 auto; font-size: 0.66rem; font-weight: 500; text-transform: uppercase; letter-spacing: 0.09em; padding: 4px 11px; border-radius: var(--radius-pill); white-space: nowrap; }
.badge-down { background: #e8f2eb; color: var(--color-success); }
.badge-up { background: #f7ebe9; color: var(--color-danger); }
.badge-action { background: var(--color-accent-light); color: var(--color-accent-dark); }
.badge-info { background: var(--color-gold-light); color: #6f4f14; }
.rate-news-body { flex: 1 1 auto; min-width: 0; }
.rate-news-body strong { display: block; font-family: var(--font-heading); font-weight: 500; font-size: 0.94rem; color: var(--color-primary); }
.rate-news-body p { margin: 3px 0 0; color: var(--color-text-soft); font-size: 0.88rem; }
.rate-news-date { flex: 0 0 auto; font-size: 0.79rem; color: var(--color-text-muted); white-space: nowrap; }
@media (max-width: 640px) {
  .rate-news-item { flex-wrap: wrap; }
  .rate-news-date { order: 3; width: 100%; }
}

.legal-page h2 { margin-top: 2em; }
.legal-page h3 { margin-top: 1.4em; }
.legal-page section { padding: 0; }
.legal-body { padding: 64px 0 100px; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .calc-panel.active, .calc-body { grid-template-columns: 1fr; }
  .calc-inputs { border-right: none; border-bottom: 1px solid var(--color-border); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 760px) {
  section { padding: 68px 0; }
  .hero { padding: 56px 0 76px; }
  .container { padding: 0 20px; }
  /* Mindestbreite erst auf schmalen Viewports erzwingen - sonst zeigen
     Tabellen auf Desktop eine ueberfluessige Scrollleiste. */
  table { min-width: 520px; }
  .card { padding: 26px; }
  .cta-band { flex-direction: column; text-align: center; padding: 40px 28px; align-items: stretch; }
  .main-nav { position: fixed; top: var(--header-h, 70px); right: -100%; width: 100%; height: calc(100vh - var(--header-h, 70px)); background: var(--color-bg); flex: none; flex-direction: column; align-items: stretch; padding: 24px; overflow-y: auto; transition: right .45s var(--ease-out-expo); z-index: 90; }
  .main-nav.open { right: 0; }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 2px; }
  .main-nav a.nav-link { padding: 13px 14px; font-size: 1rem; }
  .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; display: none; padding: 4px 0 4px 14px; background: transparent; }
  .has-dropdown.open .dropdown-menu { display: flex; flex-direction: column; }
  .dropdown-menu a { flex-direction: row; align-items: flex-start; text-align: left; border-right: none; max-width: none; min-width: 0; padding: 11px 8px; gap: 12px; }
  .dropdown-menu a span, .dropdown-menu a small { order: initial; }
  .nav-icon { padding: 0; background: none; width: 20px; height: 20px; margin-top: 1px; }
  .header-cta .btn-sm.header-only { display: none; }
  .nav-toggle { display: flex; }
  .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}

/* Zinssatz unter der Zinsbindung in der Tilgungstabelle - macht sichtbar,
   mit welchem aktuellen Wert die Zeilen gerechnet sind. */
.zins-tilgung-satz { display: block; margin-top: 3px; font-size: 0.78rem; font-weight: 400; color: var(--color-text-muted); }

/* Autorenkasten am Fuss der Ratgeber-, FAQ- und Themenseiten. Zeigt, wer den
   Inhalt verantwortet und wann er zuletzt geprueft wurde - fuer Leser wie fuer
   Suchmaschinen ein Vertrauenssignal bei Finanzthemen. */
.autor-box {
  display: flex; align-items: center; gap: 14px;
  max-width: 720px; margin: 0 auto 56px;
  padding: 16px 18px;
  border: 1px solid var(--color-border);
  border-radius: 12px;
  background: var(--color-surface, #fff);
}
.autor-box img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.autor-box p { margin: 0; font-size: 0.86rem; line-height: 1.5; color: var(--color-text-muted); }
.autor-box strong { color: var(--color-primary); font-weight: 600; }
@media (max-width: 600px) {
  .autor-box { flex-direction: column; align-items: flex-start; text-align: left; }
}

/* KI-Kennzeichnung (Art. 50 Abs. 4 KI-Verordnung). Alle Fotos unter
   assets/img/photos sind KI-generiert. Der Vermerk steht klein in der oberen
   Bildecke - erkennbar, ohne die Gestaltung zu stoeren. Er haengt an der Klasse
   .ki-bild im HTML statt an :has(), damit er auch in aelteren Browsern
   erscheint, und liegt bewusst hier statt in kontor.css: Er muss auch dann
   stehen bleiben, wenn die Gestaltungsebene abgeschaltet wird. */
.ki-bild { position: relative; }
.ki-bild::after {
  content: 'KI-generiertes Bild';
  position: absolute; top: 8px; right: 8px; z-index: 2;
  font-size: 0.55rem; letter-spacing: .03em; line-height: 1;
  color: rgba(255, 255, 255, .85); background: rgba(22, 33, 62, .26);
  text-shadow: 0 0 3px rgba(0, 0, 0, .35); /* bleibt auf hellen Bildstellen lesbar */
  padding: 3px 6px; border-radius: 3px; pointer-events: none;
}

/* Abgesetzter Kasten in Rechtstexten. Art. 21 Abs. 4 DSGVO verlangt, dass das
   Widerspruchsrecht getrennt von anderen Informationen dargestellt wird. */
.hinweis-kasten {
  border: 1px solid var(--color-border); border-left: 3px solid var(--color-primary);
  background: var(--color-surface); border-radius: 6px;
  padding: 18px 22px; margin: 22px 0 28px;
}
.hinweis-kasten h3 { margin-top: 0; }
.hinweis-kasten p:last-child { margin-bottom: 0; }