/* Finansije Bez Tajni – ruhig, klar, persönlich. Tokens zentral in :root. */

@font-face { font-family: "Source Serif 4"; font-weight: 500; font-display: swap; src: url(/assets/fonts/source-serif-4-latin-500.woff2) format("woff2"); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Source Serif 4"; font-weight: 500; font-display: swap; src: url(/assets/fonts/source-serif-4-latin-ext-500.woff2) format("woff2"); unicode-range: U+0100-02AF, U+1E00-1EFF, U+2020, U+20A0-20AB, U+20AD-20CF, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: "Source Serif 4"; font-weight: 600; font-display: swap; src: url(/assets/fonts/source-serif-4-latin-600.woff2) format("woff2"); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Source Serif 4"; font-weight: 600; font-display: swap; src: url(/assets/fonts/source-serif-4-latin-ext-600.woff2) format("woff2"); unicode-range: U+0100-02AF, U+1E00-1EFF, U+2020, U+20A0-20AB, U+20AD-20CF, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: "Figtree"; font-weight: 400; font-display: swap; src: url(/assets/fonts/figtree-latin-400.woff2) format("woff2"); unicode-range: U+0000-00FF, U+2000-206F, U+20AC, U+2191, U+2193, U+2212; }
@font-face { font-family: "Figtree"; font-weight: 400; font-display: swap; src: url(/assets/fonts/figtree-latin-ext-400.woff2) format("woff2"); unicode-range: U+0100-02AF, U+1E00-1EFF, U+20A0-20AB, U+20AD-20CF; }
@font-face { font-family: "Figtree"; font-weight: 500; font-display: swap; src: url(/assets/fonts/figtree-latin-500.woff2) format("woff2"); unicode-range: U+0000-00FF, U+2000-206F, U+20AC, U+2191, U+2193, U+2212; }
@font-face { font-family: "Figtree"; font-weight: 500; font-display: swap; src: url(/assets/fonts/figtree-latin-ext-500.woff2) format("woff2"); unicode-range: U+0100-02AF, U+1E00-1EFF, U+20A0-20AB, U+20AD-20CF; }
@font-face { font-family: "Figtree"; font-weight: 600; font-display: swap; src: url(/assets/fonts/figtree-latin-600.woff2) format("woff2"); unicode-range: U+0000-00FF, U+2000-206F, U+20AC, U+2191, U+2193, U+2212; }
@font-face { font-family: "Figtree"; font-weight: 600; font-display: swap; src: url(/assets/fonts/figtree-latin-ext-600.woff2) format("woff2"); unicode-range: U+0100-02AF, U+1E00-1EFF, U+20A0-20AB, U+20AD-20CF; }
@font-face { font-family: "Caveat"; font-weight: 500; font-display: swap; src: url(/assets/fonts/caveat-latin-500.woff2) format("woff2"); unicode-range: U+0000-00FF, U+2000-206F, U+2192; }
@font-face { font-family: "Caveat"; font-weight: 500; font-display: swap; src: url(/assets/fonts/caveat-latin-ext-500.woff2) format("woff2"); unicode-range: U+0100-02AF, U+1E00-1EFF; }

:root {
  --bg: #fbf9f4;
  --surface: #ffffff;
  --ink: #10392d;          /* Überschriften, Smaragd-Tinte */
  --text: #1f332c;         /* Fließtext */
  --muted: #52655d;        /* Sekundär – 6.1:1 auf --bg */
  --emerald: #0f4a38;
  --emerald-hover: #0b3a2c;
  --emerald-tint: #e8f0ec;
  --gold: #b8904a;         /* nur dekorativ, nie als Text auf Hell */
  --gold-soft: #f3ead6;
  --highlight: #f6de8f;
  --line: #e4ded0;
  --line-strong: #cfd9d3;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow: 0 1px 2px rgba(16, 57, 45, .05), 0 10px 30px -12px rgba(16, 57, 45, .18);
  --serif: "Source Serif 4", Georgia, serif;
  --sans: "Figtree", system-ui, -apple-system, "Segoe UI", sans-serif;
  --hand: "Caveat", "Segoe Print", cursive;
  --max: 1120px;
  --ease: cubic-bezier(.16, 1, .3, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 16px; }
body {
  margin: 0; background: var(--bg); color: var(--text);
  font: 400 17px/1.6 var(--sans);
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
}
::selection { background: var(--highlight); color: var(--ink); }
img { max-width: 100%; display: block; }
a { color: var(--emerald); text-underline-offset: .2em; text-decoration-thickness: 1px; }
a:hover { color: var(--emerald-hover); }
:focus-visible { outline: 2px solid var(--emerald); outline-offset: 3px; border-radius: 8px; }
h1, h2, h3 { font-family: var(--serif); color: var(--ink); font-weight: 600; margin: 0; text-wrap: balance; letter-spacing: -.012em; }
h1 { font-size: clamp(2.15rem, 6.2vw, 3.6rem); line-height: 1.06; }
h2 { font-size: clamp(1.6rem, 4vw, 2.3rem); line-height: 1.12; }
h3 { font-size: 1.2rem; line-height: 1.25; }
p { margin: 0; text-wrap: pretty; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 56px 0; }
.section + .section { padding-top: 16px; }
.section-head { margin-bottom: 24px; }
.section-head p { color: var(--muted); margin-top: 8px; }
.rule { width: 36px; height: 1px; background: var(--gold); margin: 0 0 18px; border: 0; }
.closing .rule { margin-inline: auto; }

/* ---------- Header ---------- */
.site-header { border-bottom: 1px solid var(--line); background: var(--bg); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand img { width: 44px; height: 44px; border-radius: 50%; mix-blend-mode: multiply; }
.brand span { font-family: var(--serif); font-size: 1.3rem; font-weight: 500; letter-spacing: -.01em; }
.lang { display: inline-flex; align-items: center; gap: 10px; font-weight: 600; font-size: .92rem; }
.lang a { color: var(--muted); text-decoration: none; padding: 6px 2px; }
.lang a[aria-current="true"] { color: var(--ink); }
.lang i { width: 1px; height: 14px; background: var(--gold); }
@media (max-width: 520px) { .brand span { display: none; } }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 0 26px; border-radius: 999px; border: 1.5px solid transparent;
  font: 600 1.02rem/1 var(--sans); text-decoration: none; cursor: pointer;
  transition: background .2s var(--ease), transform .2s var(--ease), box-shadow .2s var(--ease);
}
.btn svg { width: 20px; height: 20px; flex: none; }
.btn-primary { background: var(--emerald); color: #fff; box-shadow: 0 6px 18px -8px rgba(15, 74, 56, .55); }
.btn-primary:hover { background: var(--emerald-hover); color: #fff; transform: translateY(-1px); }
.btn-outline { border-color: #cfe0d8; color: #fff; background: transparent; }
.btn-outline:hover { background: rgba(255, 255, 255, .08); color: #fff; }
.btn-ghost { border-color: var(--line-strong); color: var(--ink); background: var(--surface); }
.btn-ghost:hover { border-color: var(--emerald); color: var(--ink); }
.btn[aria-disabled="true"] { opacity: .5; pointer-events: none; }
.btn-block { width: 100%; }

.icon { width: 38px; height: 38px; color: var(--emerald); stroke-width: 1.4; }
.icon svg { width: 100%; height: 100%; stroke-width: 1.4; }

/* ---------- Hero (Home) ---------- */
.hero { padding: 36px 0 12px; }
.hero-grid { display: grid; gap: 28px; justify-items: center; text-align: center; }
.hero-photo {
  width: min(62vw, 250px); height: auto; aspect-ratio: 1; border-radius: 50%; object-fit: cover; object-position: 50% 30%;
  box-shadow: 0 0 0 6px var(--surface), 0 0 0 7px var(--line), var(--shadow);
}
.hero h1 { max-width: 13ch; margin: 0 auto; }
.hero-sub { font-size: 1.1rem; color: var(--muted); margin-top: 14px; }
.hero .btn { margin-top: 26px; min-width: min(100%, 320px); }
.trust {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 18px; margin: 30px auto 0; padding-top: 18px;
  border-top: 1px solid var(--line); list-style: none; padding-left: 0; font-size: .86rem; color: var(--muted);
}
.trust li { display: inline-flex; align-items: center; gap: 6px; }
.trust svg { width: 16px; height: 16px; color: var(--gold); }

@media (min-width: 900px) {
  .hero { padding: 64px 0 24px; }
  .hero-grid picture { order: 2; justify-self: end; width: 100%; max-width: 420px; }
  .hero-grid { grid-template-columns: 1.15fr .85fr; text-align: left; justify-items: start; align-items: center; gap: 56px; }
  .hero h1 { margin: 0; max-width: 14ch; }
  .hero-photo { width: 100%; max-width: 420px; aspect-ratio: 4/5; border-radius: var(--radius-lg); order: 2; justify-self: end; object-position: 50% 20%; }
  .trust { justify-content: flex-start; margin-left: 0; }
}

/* ---------- Themen ---------- */
.topics { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.topic {
  display: flex; flex-direction: column; align-items: center; text-align: center; gap: 10px;
  padding: 22px 14px; min-height: 164px; justify-content: center;
  background: var(--surface); border: 1px solid var(--line-strong); border-radius: var(--radius);
  text-decoration: none; color: var(--text);
  transition: border-color .2s var(--ease), transform .2s var(--ease), box-shadow .2s var(--ease);
}
.topic:hover { border-color: var(--emerald); transform: translateY(-2px); box-shadow: var(--shadow); color: var(--text); }
.topic h3 { font-size: 1.12rem; }
.topic p { font-size: .88rem; color: var(--muted); line-height: 1.4; }
@media (min-width: 900px) {
  .topics { grid-template-columns: repeat(4, 1fr); gap: 16px; }
  .topic { min-height: 190px; }
}

/* ---------- Dekodirani brief ---------- */
.letter-block { display: grid; gap: 28px; align-items: center; }
.letter-block .copy p { color: var(--muted); margin-top: 12px; max-width: 42ch; }
.letter-block .copy a { display: inline-flex; align-items: center; gap: 8px; margin-top: 18px; font-weight: 600; text-decoration: none; }
.letter-block .copy a svg { width: 18px; height: 18px; transition: transform .2s var(--ease); }
.letter-block .copy a:hover svg { transform: translateX(3px); }
.letter {
  position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: 6px;
  padding: 26px 24px 30px; font-size: .86rem; line-height: 1.7; color: #3b4541;
  box-shadow: 0 2px 4px rgba(0,0,0,.04), 0 18px 40px -20px rgba(16,57,45,.28);
  transform: rotate(-1.2deg); max-width: 520px;
}
.letter .from { display: flex; justify-content: space-between; font-size: .76rem; color: #6b7471; margin-bottom: 16px; }
.letter strong { display: block; font-size: .95rem; color: #222; margin-bottom: 10px; }
.letter mark { background: linear-gradient(transparent 12%, var(--highlight) 12%, var(--highlight) 88%, transparent 88%); color: inherit; padding: 0 2px; }
.letter .note {
  position: absolute; font-family: var(--hand); font-weight: 500; color: var(--emerald); line-height: 1.05;
  font-size: 1.55rem; transform: rotate(-4deg);
}
.letter .note.n1 { right: 16px; top: 12px; }
.letter .note.n2 { right: 14px; bottom: -6px; font-size: 1.35rem; max-width: 60%; text-align: right; }
@media (min-width: 900px) {
  .letter-block { grid-template-columns: 1fr 1.1fr; gap: 56px; }
  .letter { justify-self: end; }
}

/* ---------- Schritte ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; position: relative; }
.steps::before { content: ""; position: absolute; top: 21px; left: 16%; right: 16%; height: 1px; background: var(--gold); opacity: .6; }
.steps li { text-align: center; position: relative; }
.steps .num {
  width: 44px; height: 44px; border-radius: 50%; margin: 0 auto 12px; display: grid; place-items: center;
  background: var(--bg); border: 1px solid var(--gold); font: 600 1.15rem var(--serif); color: var(--ink);
}
.steps b { display: block; font-weight: 600; color: var(--ink); font-size: .95rem; line-height: 1.3; }
.steps span { display: block; font-size: .84rem; color: var(--muted); margin-top: 4px; line-height: 1.4; }
@media (max-width: 420px) { .steps span { display: none; } }

/* ---------- Team ---------- */
.team { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.person {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px 14px; text-align: center; display: flex; flex-direction: column; align-items: center; gap: 10px;
}
.person .ph { width: 92px; height: 92px; border-radius: 50%; object-fit: cover; object-position: 50% 30%; }
.person .ph-empty { display: grid; place-items: center; background: var(--emerald-tint); color: var(--emerald); font: 600 2rem var(--serif); }
.person h3 { font-size: 1.15rem; }
.person h3 small { font: 500 .85rem var(--sans); color: var(--muted); }
.person p { font-size: .85rem; color: var(--muted); line-height: 1.45; }
.status { font-size: .86rem; color: var(--muted); margin-top: 16px; }
.pay {
  margin-top: 14px; display: flex; gap: 14px; align-items: flex-start;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px;
}
.pay .icon { flex: none; width: 28px; height: 28px; color: var(--gold); }
.pay h3 { font-size: 1.05rem; }
.pay p { font-size: .92rem; color: var(--muted); margin-top: 4px; }
@media (min-width: 900px) {
  .team-layout { display: grid; grid-template-columns: 1.3fr 1fr; gap: 20px; align-items: start; }
  .pay { margin-top: 0; }
}

/* ---------- Abschluss-Band ---------- */
.band { background: var(--emerald); color: #e8f0ec; }
.band .wrap { padding-top: 34px; padding-bottom: 34px; display: grid; gap: 18px; }
.band h2 { color: #fff; font-size: 1.55rem; }
.band p { color: #cfe0d8; margin-top: 4px; }
.band .btns { display: flex; gap: 10px; flex-wrap: wrap; }
@media (min-width: 900px) { .band .wrap { grid-template-columns: 1fr auto; align-items: center; } }

/* ---------- Footer ---------- */
.site-footer { padding: 26px 0 40px; font-size: .86rem; color: var(--muted); }
.site-footer nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 6px 18px; }
.site-footer a { color: var(--muted); text-decoration: none; }
.site-footer a:hover { color: var(--ink); text-decoration: underline; }
.site-footer p { text-align: center; margin-top: 10px; font-size: .8rem; }

/* ---------- Themenseite ---------- */
.t-hero { padding: 24px 0 32px; }
.crumb { display: inline-flex; align-items: center; gap: 6px; font-size: .9rem; font-weight: 500; text-decoration: none; color: var(--muted); }
.crumb svg { width: 16px; height: 16px; }
.t-hero h1 { margin-top: 14px; font-size: clamp(2rem, 6vw, 3.3rem); max-width: 16ch; }
.t-hero .lead { color: var(--muted); font-size: 1.08rem; margin-top: 12px; max-width: 34ch; }
.who { display: flex; align-items: center; gap: 12px; margin-top: 18px; font-size: .92rem; font-weight: 500; color: var(--ink); }
.who img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; object-position: 50% 30%; }
.who svg { width: 20px; height: 20px; color: var(--emerald); }
.t-grid { display: grid; gap: 26px; }
@media (min-width: 900px) {
  .t-hero { padding: 48px 0 64px; }
  .t-grid { grid-template-columns: 1fr 460px; gap: 64px; align-items: start; }
}

/* ---------- Quick-Check ---------- */
.qc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 22px 20px 24px; box-shadow: var(--shadow); scroll-margin-top: 12px; }
.qc-top { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; min-height: 28px; }
.qc-back { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; border: 0; background: transparent; color: var(--ink); cursor: pointer; margin-left: -8px; }
.qc-back:hover { background: var(--emerald-tint); }
.qc-back svg { width: 20px; height: 20px; }
.qc-back[hidden] { display: none; }
.qc-count { font-size: .82rem; font-weight: 600; color: var(--muted); font-variant-numeric: tabular-nums; }
.qc-bar { flex: 1; height: 4px; background: var(--emerald-tint); border-radius: 99px; overflow: hidden; }
.qc-bar i { display: block; width: 100%; height: 100%; background: var(--emerald); border-radius: 99px; transform-origin: left; transition: transform .45s var(--ease); }
.qc h2 { font-size: 1.6rem; margin-bottom: 16px; }
.qc-opts { display: grid; gap: 10px; }
.qc-opt {
  display: flex; align-items: center; justify-content: space-between; gap: 12px; width: 100%; min-height: 54px;
  padding: 12px 16px; text-align: left; font: 500 1.02rem/1.3 var(--serif); color: var(--ink);
  background: var(--surface); border: 1.5px solid #bcd0c6; border-radius: 12px; cursor: pointer;
  transition: border-color .15s var(--ease), background .15s var(--ease);
}
.qc-opt svg { width: 20px; height: 20px; flex: none; color: var(--emerald); transition: transform .2s var(--ease); }
.qc-opt:hover { border-color: var(--emerald); background: #f6faf8; }
.qc-opt:hover svg { transform: translateX(3px); }
.qc-opt[aria-pressed="true"] { background: var(--emerald); border-color: var(--emerald); color: #fff; }
.qc-opt[aria-pressed="true"] svg { color: #fff; }
.qc-step { animation: qcIn .4s var(--ease); }
@keyframes qcIn { from { opacity: 0; transform: translateX(14px); } to { opacity: 1; transform: none; } }
.qc-note { font-size: .82rem; color: var(--muted); margin-top: 14px; }

.qc-pick { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 16px; }
.qc-adv {
  position: relative; display: flex; flex-direction: column; align-items: center; gap: 8px; padding: 12px 8px 14px;
  border: 1.5px solid var(--line-strong); border-radius: 14px; background: var(--surface); cursor: pointer;
  font: 600 1.05rem var(--serif); color: var(--ink);
}
.qc-adv img, .qc-adv .ph-empty { width: 100%; aspect-ratio: 1; border-radius: 10px; object-fit: cover; object-position: 50% 25%; }
.qc-adv .ph-empty { display: grid; place-items: center; background: var(--emerald-tint); color: var(--emerald); font-size: 2.2rem; }
.qc-adv[aria-pressed="true"] { border-color: var(--emerald); box-shadow: 0 0 0 1px var(--emerald); }
.qc-adv[aria-pressed="true"]::after {
  content: ""; position: absolute; top: 8px; right: 8px; width: 24px; height: 24px; border-radius: 50%;
  background: var(--emerald) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/14px no-repeat;
}
.qc-adv:disabled { opacity: .55; cursor: not-allowed; }
.qc-adv small { font: 500 .78rem var(--sans); color: var(--muted); }
.qc-msg { background: #f1f4f2; border-radius: 12px; padding: 14px 16px; font-size: .9rem; line-height: 1.5; color: var(--text); white-space: pre-line; margin-bottom: 16px; }
.qc-msg-label { font-size: .8rem; font-weight: 600; color: var(--muted); margin-bottom: 6px; }
.qc-actions { display: grid; gap: 10px; justify-items: center; }
.qc-copy { display: inline-flex; align-items: center; gap: 8px; background: none; border: 0; font: 600 .95rem var(--sans); color: var(--emerald); cursor: pointer; padding: 8px; text-decoration: underline; text-underline-offset: .25em; }
.qc-copy svg { width: 18px; height: 18px; }
.qc-fine { font-size: .8rem; color: var(--muted); text-align: center; margin-top: 12px; }
.qc-fine a { color: var(--muted); }
.qc-restart { background: none; border: 0; color: var(--muted); font: 500 .85rem var(--sans); cursor: pointer; text-decoration: underline; margin-top: 4px; }
.qc-risk { font-size: .82rem; color: var(--muted); background: var(--gold-soft); border-radius: 10px; padding: 10px 12px; margin-bottom: 14px; }

/* ---------- Themen-Inhalt ---------- */
.decode { display: grid; gap: 12px; }
.decode article { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.decode h3 { font-size: 1.15rem; }
.decode p { color: var(--muted); font-size: .94rem; margin-top: 6px; }
@media (min-width: 900px) { .decode { grid-template-columns: repeat(3, 1fr); gap: 16px; } }
.pitfalls { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.pitfalls li { display: flex; gap: 12px; align-items: flex-start; }
.pitfalls li::before { content: ""; flex: none; width: 8px; height: 8px; margin-top: 10px; border-radius: 50%; background: var(--gold); }
.pitfalls b { color: var(--ink); }
.risk-box { margin-top: 20px; font-size: .9rem; color: var(--text); background: var(--gold-soft); border-radius: var(--radius); padding: 14px 16px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 0; font: 600 1.08rem/1.35 var(--serif); color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary svg { width: 20px; height: 20px; flex: none; color: var(--emerald); transition: transform .25s var(--ease); }
.faq details[open] summary svg { transform: rotate(180deg); }
.faq details p { padding: 0 0 18px; color: var(--muted); max-width: 65ch; }
.closing { text-align: center; }
.closing h2 { margin-bottom: 18px; }

/* Sticky-Leiste (nur mobil, nur Themenseiten) */
.sticky-cta {
  position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 30;
  transform: translateY(140%); transition: transform .35s var(--ease);
}
.sticky-cta.show { transform: none; }
.sticky-cta .btn { width: 100%; box-shadow: 0 12px 30px -10px rgba(15, 74, 56, .6); }
@media (min-width: 900px) { .sticky-cta { display: none; } }

/* ---------- Rechtstexte ---------- */
.legal { padding: 36px 0 60px; }
.legal .wrap { max-width: 760px; }
.legal h1 { font-size: clamp(1.9rem, 5vw, 2.6rem); margin-bottom: 18px; }
.legal h2 { font-size: 1.3rem; margin: 30px 0 8px; }
.legal p, .legal li { color: var(--text); }
.legal .summary { background: var(--emerald-tint); border-radius: var(--radius); padding: 16px 18px; margin-bottom: 22px; }
.todo { background: #fff3cd; border: 1px dashed #b8904a; padding: 1px 6px; border-radius: 4px; font-size: .92em; }

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

/* ---------- Anfrageformular ---------- */
.lf-wrap { padding: 24px 0 56px; }
.lf-wrap .wrap { max-width: 640px; }
.lf-wrap h1 { font-size: clamp(1.9rem, 5.5vw, 2.6rem); margin-top: 14px; }
.lf-wrap .lead { color: var(--muted); margin: 10px 0 22px; }
.lf-hint { color: var(--muted); font-size: .94rem; margin: -6px 0 16px; }
.lf-grid { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 18px; }
.lf-field { flex: 1 1 100%; border: 0; padding: 0; margin: 0; min-width: 0; }
.lf-field.half { flex: 1 1 calc(50% - 7px); }
.lf-label { display: block; font-weight: 600; font-size: .92rem; color: var(--ink); margin-bottom: 6px; }
.lf-input {
  width: 100%; min-height: 50px; padding: 12px 14px; font: 400 1rem var(--sans); color: var(--text);
  background: var(--surface); border: 1.5px solid #bcd0c6; border-radius: 12px;
  transition: border-color .15s var(--ease), box-shadow .15s var(--ease);
}
.lf-input::placeholder { color: #7d8b85; }
.lf-input:focus { outline: none; border-color: var(--emerald); box-shadow: 0 0 0 3px rgba(15, 74, 56, .15); }
.lf-file {
  display: flex; align-items: center; gap: 12px; min-height: 64px; padding: 14px 16px; cursor: pointer;
  border: 1.5px dashed #9fbcae; border-radius: 12px; background: #f6faf8; color: var(--ink); font-weight: 500;
}
.lf-file:hover { border-color: var(--emerald); }
.lf-file svg { width: 24px; height: 24px; color: var(--emerald); flex: none; }
input[type="file"]:focus-visible + .lf-file, .lf-file:focus-within { outline: 2px solid var(--emerald); outline-offset: 3px; }
.lf-check { display: flex; gap: 12px; align-items: flex-start; font-size: .92rem; color: var(--text); }
.lf-check input { width: 22px; height: 22px; margin-top: 2px; accent-color: var(--emerald); flex: none; }
.lf-error { color: #a1261b; font-weight: 500; font-size: .92rem; margin: -6px 0 14px; }
.lf-review { margin: 0 0 20px; }
.lf-rev-block { border-bottom: 1px solid var(--line); padding: 12px 0; }
.lf-rev-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; font: 600 1rem var(--serif); color: var(--ink); margin-bottom: 4px; }
.lf-edit { background: none; border: 0; color: var(--emerald); font: 600 .85rem var(--sans); cursor: pointer; text-decoration: underline; }
.lf-review dt { font-size: .82rem; color: var(--muted); margin-top: 6px; }
.lf-review dd { margin: 0; font-weight: 500; }
.lf-mail { white-space: pre-wrap; font: .82rem/1.55 ui-monospace, "Cascadia Mono", Consolas, monospace; background: #f1f4f2; border-radius: 12px; padding: 14px 16px; color: var(--text); overflow-x: auto; }
.qc-actions .btn-ghost { width: 100%; }
.lf-done { text-align: center; padding: 18px 4px 8px; }
.lf-done-icon { display: inline-grid; place-items: center; width: 64px; height: 64px; border-radius: 50%; background: var(--emerald); color: #fff; margin-bottom: 16px; }
.lf-done-icon svg { width: 30px; height: 30px; }
.lf-done p { color: var(--muted); margin-top: 10px; }
.btn[aria-busy="true"] { opacity: .75; cursor: progress; }

/* Programmatischer Fokus auf Überschriften (Screenreader) ohne sichtbaren Rahmen */
h1[tabindex="-1"]:focus, h2[tabindex="-1"]:focus { outline: none; }

/* Einwilligungen als einzelne Kästchen, wie Auswahlkarten */
.lf-group { flex: 1 1 100%; font-weight: 600; font-size: .95rem; color: var(--ink); margin: 8px 0 -4px; }
.lf-check { background: var(--surface); border: 1.5px solid var(--line-strong); border-radius: 12px; padding: 14px 16px; align-items: center; cursor: pointer; }
.lf-check:has(input:checked) { border-color: var(--emerald); background: #f6faf8; }
.lf-check label { cursor: pointer; }
.lf-notice { font-size: .82rem; color: var(--muted); margin: 0 0 16px; }

/* ---------- v2: Telefon, Vertrauenszeile, Rechner, Versprechen ---------- */
.hero-call { margin-top: 14px; font-size: .95rem; color: var(--muted); }
.hero-call a { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--ink); text-decoration: none; }
.hero-call a:hover { text-decoration: underline; }
.hero-call svg { width: 17px; height: 17px; color: var(--emerald); }
.trust { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 16px; text-align: left; }
.trust li { align-items: flex-start; line-height: 1.35; }
.trust svg { flex: none; margin-top: 2px; }
@media (min-width: 900px) { .trust { max-width: 520px; } }

.btn-light { background: #fff; color: var(--emerald); }
.btn-light:hover { background: #eef4f0; color: var(--emerald-hover); }

.calc-teasers { display: grid; gap: 12px; }
.calc-teaser {
  display: flex; align-items: center; gap: 16px; padding: 18px 20px; text-decoration: none; color: var(--text);
  background: var(--surface); border: 1px solid var(--line-strong); border-radius: var(--radius);
  transition: border-color .2s var(--ease), transform .2s var(--ease);
}
.calc-teaser:hover { border-color: var(--emerald); transform: translateY(-2px); color: var(--text); }
.calc-teaser .icon { flex: none; width: 44px; height: 44px; padding: 8px; border-radius: 12px; background: var(--emerald-tint); }
.calc-teaser .icon svg { stroke-width: 1.8; }
.calc-teaser h3 { font-size: 1.12rem; }
.calc-teaser p { font-size: .9rem; color: var(--muted); margin-top: 2px; }
.calc-teaser > svg { flex: none; width: 20px; height: 20px; color: var(--emerald); margin-left: auto; }
@media (min-width: 900px) { .calc-teasers { grid-template-columns: 1fr 1fr; gap: 16px; } }

.promise { display: grid; gap: 28px; align-items: center; }
.promise-photo { margin: 0; }
.promise-photo img { width: 100%; max-height: 460px; object-fit: cover; object-position: 50% 25%; border-radius: var(--radius-lg); }
.promise-lead { color: var(--muted); margin-top: 12px; max-width: 46ch; }
.promise-list { list-style: none; padding: 0; margin: 22px 0 0; display: grid; gap: 18px; counter-reset: pr; }
.promise-list li { display: grid; grid-template-columns: 40px 1fr; column-gap: 14px; counter-increment: pr; }
.promise-list li::before {
  content: counter(pr); grid-row: span 2; width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center;
  border: 1px solid var(--gold); font: 600 1.05rem var(--serif); color: var(--ink);
}
.promise-list b { font: 600 1.12rem var(--serif); color: var(--ink); }
.promise-list span { color: var(--muted); font-size: .95rem; }
@media (min-width: 900px) { .promise { grid-template-columns: .8fr 1.2fr; gap: 64px; } .promise-photo img { max-height: 560px; } }

.lf-textarea { min-height: 130px; resize: vertical; line-height: 1.5; }
.lf-help { font-size: .82rem; color: var(--muted); margin-top: 6px; }

/* Rechner-Seite */
.calc-wrap .wrap { max-width: 980px; }
.calc-grid { display: grid; gap: 18px; align-items: start; }
.calc-form { display: grid; gap: 16px; }
.calc-input { position: relative; }
.calc-input input { padding-right: 56px; font-variant-numeric: tabular-nums; }
.calc-input span { position: absolute; right: 16px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.calc-result { background: var(--emerald); color: #e8f0ec; border-radius: var(--radius-lg); padding: 22px 20px 24px; position: sticky; top: 16px; }
.calc-label { font-size: .8rem; font-weight: 600; color: #b9d0c5; margin-bottom: 6px; }
.calc-main { display: grid; gap: 2px; margin-bottom: 14px; }
.calc-main span { color: #cfe0d8; font-size: .95rem; }
.calc-main strong { font: 600 2.4rem/1.1 var(--serif); color: #fff; font-variant-numeric: tabular-nums; }
.calc-bar { height: 8px; background: rgba(255,255,255,.18); border-radius: 99px; overflow: hidden; margin-bottom: 14px; }
.calc-bar i { display: block; height: 100%; background: var(--gold); transform-origin: left; transition: transform .35s var(--ease); }
.calc-row { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-top: 1px solid rgba(255,255,255,.15); font-size: .95rem; }
.calc-row b { color: #fff; font-variant-numeric: tabular-nums; }
.calc-note { font-size: .88rem; color: #cfe0d8; margin-top: 10px; }
.calc-actions { display: grid; gap: 10px; margin-top: 18px; justify-items: center; }
.calc-actions .btn-primary { background: #fff; color: var(--emerald); }
.calc-actions .btn-primary:hover { background: #eef4f0; color: var(--emerald-hover); }
.calc-actions .btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.calc-actions .qc-copy { color: #cfe0d8; }
.calc-assumptions { font-size: .82rem; color: var(--muted); margin-top: 18px; max-width: 75ch; }
@media (min-width: 900px) { .calc-grid { grid-template-columns: 1.1fr .9fr; gap: 28px; } }

@media print {
  .site-header, .site-footer, .crumb, .calc-actions, .sticky-cta { display: none !important; }
  .calc-result { background: none; color: #000; border: 1px solid #999; position: static; }
  .calc-main strong, .calc-row b, .calc-main span, .calc-row, .calc-label, .calc-note { color: #000; }
}

/* Schalter für den Prüf-Modus im Footer (unauffällig) */
.review-switch { background: none; border: 0; padding: 0; font: inherit; color: var(--muted); cursor: pointer; text-decoration: underline; text-underline-offset: .2em; }
.review-switch:hover { color: var(--ink); }

.calc-teaser:only-child { grid-column: 1 / -1; }

/* Auto: Deckungsstufen als verschachtelte Flächen */
.cover-nest { max-width: 760px; }
.cover { border-radius: 26px; padding: 20px 20px 20px; }
.cover .cover { margin-top: 16px; }
.cover h3 { font-size: 1.15rem; display: flex; align-items: center; gap: 8px; }
.cover p { font-size: .94rem; margin-top: 4px; }
.cover.vk { background: var(--emerald); color: #d9e7e0; }
.cover.vk > .cover-text h3 { color: #fff; }
.cover.tk { background: #2c6a55; color: #e2eee8; }
.cover.tk > .cover-text h3 { color: #fff; }
.cover.hp { background: var(--surface); color: var(--muted); border: 1px solid var(--line); }
.cover.hp h3 { color: var(--ink); }
.cover-note { font-size: .9rem; color: var(--muted); margin-top: 14px; max-width: 60ch; }
@media (min-width: 900px) {
  .cover { padding: 26px 28px; }
  .cover.vk { border-radius: 36px; }
  .cover .cover { margin-top: 20px; margin-left: 40px; }
}

/* Schilde: Größe und Füllung zeigen den Schutzumfang */
.cover h3 { gap: 10px; }
.shield { flex: none; }
.shield-line { fill: none; stroke-width: 1.6; stroke-linejoin: round; }
.shield-fill { fill: #d8b36a; }
.shield-check { fill: none; stroke: var(--emerald); stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.cover.vk > .cover-text .shield { width: 44px; height: 44px; }
.cover.tk > .cover-text .shield { width: 34px; height: 34px; }
.cover.hp > .cover-text .shield { width: 24px; height: 24px; }
.cover.vk > .cover-text .shield-line, .cover.tk > .cover-text .shield-line { stroke: #f1e3c4; }
.cover.hp .shield-line { stroke: var(--emerald); }