/* ==========================================================================
   Niemann-Finanzen — Digitales Designsystem
   Basis: Corporate Design Welt 01 (Deep Navy / Türkis · Sora / Manrope / JetBrains Mono)
   Ansprache: Du. Signature-Element: die persönliche Karte „Kurz von mir".
   ========================================================================== */

/* ---------- Design Tokens ---------- */
:root {
  /* Farben (CD Welt 01) */
  --navy: #0B1B33;
  --navy-2: #163B5C;
  --accent: #11C0B0;
  --accent-deep: #0E9E92;
  --accent-text: #0B7A71;   /* Akzent für Kleintext auf Hell: 5,2:1 statt 3,3:1 */
  --accent-led: #7FE9DD;
  --accent-tint: #CFFAF4;
  --accent-ink: #06231F;
  --white: #FFFFFF;
  --off-white: #F7F9FB;
  --ink: #0B1B33;
  --muted: #5C6B82;
  --soft: #8493A8;
  --soft-text: #627187;  /* Kleintext-Variante von --soft: 4,96:1 statt 3,12:1 auf Weiss */
  --on-dark: #AEC0D4;
  --on-dark-sub: #9FB3C9;
  --border: #E6EBF1;
  --divider: #EDF1F5;
  --neg: #98A4B5;

  /* Typografie */
  --font-head: 'Sora', 'Helvetica Neue', Arial, sans-serif;
  --font-body: 'Manrope', 'Helvetica Neue', Arial, sans-serif;
  --font-mono: 'JetBrains Mono', 'SF Mono', Menlo, monospace;

  /* Layout */
  --container: 1180px;
  --pad-x: 32px;
  --sec: 120px;
  --sec-sm: 76px;
  --radius: 16px;
  --radius-sharp: 4px;

  /* Effekte (CD-Detailregeln) */
  --glow: 0 12px 40px rgba(17, 192, 176, 0.12);
  --shimmer: radial-gradient(circle, rgba(17,192,176,.22), transparent 68%);
  --stripes: repeating-linear-gradient(45deg, #EEF2F6, #EEF2F6 14px, #F4F7FA 14px, #F4F7FA 28px);
}

/* ---------- Reset / Basis ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 92px; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 18px;
  line-height: 1.62;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; }
a { color: var(--accent-text); text-decoration: none; }
a:hover { text-decoration: underline; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; border-radius: 4px; }
.section-dark :focus-visible, .hero :focus-visible, .page-hero :focus-visible,
.site-footer :focus-visible, .figure-band :focus-visible { outline-color: var(--accent-led); }
::selection { background: var(--accent-tint); color: var(--ink); }
.section-dark ::selection, .hero ::selection, .page-hero ::selection, .site-footer ::selection {
  background: var(--accent-led); color: var(--accent-ink);
}

/* Oberflaechen, die der Browser sonst selbst gestaltet */
html { scrollbar-width: thin; scrollbar-color: #BFCBD9 var(--off-white); }
::-webkit-scrollbar { width: 12px; height: 12px; }
::-webkit-scrollbar-track { background: var(--off-white); }
::-webkit-scrollbar-thumb { background: #BFCBD9; border-radius: 999px; border: 3px solid var(--off-white); }
::-webkit-scrollbar-thumb:hover { background: var(--accent-deep); }
body { caret-color: var(--accent-deep); }
a:not(.btn):not(.link-arrow) { text-underline-offset: .17em; text-decoration-thickness: 1px; }
.mono, .footer-contact, table.cd td.num { font-variant-numeric: tabular-nums; }
hr { border: 0; border-top: 1px solid var(--divider); margin: 0; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--navy); color: #fff; padding: 12px 22px; border-radius: 0 0 12px 0;
}
.skip-link:focus { left: 0; }
.visually-hidden {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ---------- Typografie ---------- */
h1, h2, h3, h4 { font-family: var(--font-head); margin: 0; color: inherit; text-wrap: balance; }
.display {
  font-size: clamp(35px, 5.4vw, 76px);
  font-weight: 800; letter-spacing: -0.034em; line-height: 1.01;
}
.headline { font-size: clamp(29px, 3.9vw, 46px); font-weight: 700; letter-spacing: -0.024em; line-height: 1.055; }
.headline-sm { font-size: clamp(23px, 2.6vw, 31px); font-weight: 700; letter-spacing: -0.02em; line-height: 1.14; }
.subhead { font-family: var(--font-head); font-size: 19px; font-weight: 600; letter-spacing: -0.01em; line-height: 1.25; }
.lead { font-size: 19px; line-height: 1.65; color: var(--muted); max-width: 62ch; text-wrap: pretty; }
.section-dark .lead, .hero .lead, .page-hero .lead { color: var(--on-dark); }
p { margin: 0 0 1em; text-wrap: pretty; }
p:last-child { margin-bottom: 0; }
strong { font-weight: 700; }

/* Mono-Label (Eyebrow) */
.label {
  font-family: var(--font-mono); font-size: 12.5px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.16em; line-height: 1;
  color: var(--accent-text); display: inline-flex; align-items: center; gap: 10px;
}
.label::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--accent); flex: none; }
.section-dark .label, .hero .label, .page-hero .label { color: var(--accent-led); }
.label.plain::before { display: none; }

.accent-dot { color: var(--accent); }
.text-accent { color: var(--accent-text); }
.text-muted { color: var(--muted); }
.mono { font-family: var(--font-mono); }

/* ---------- Layout ---------- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 var(--pad-x); }
.container-narrow { max-width: 880px; }
.section { padding: var(--sec) 0; }
.section-sm { padding: var(--sec-sm) 0; }
.section-alt { background: var(--off-white); border-top: 1px solid var(--divider); border-bottom: 1px solid var(--divider); }
.section-dark { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.section-dark p { color: var(--on-dark); }
.section-dark h2, .section-dark h3, .section-dark h4 { color: #fff; }

.section-head { max-width: 740px; margin-bottom: 54px; }
/* Dichtere Sektion fuer nachgeordnete Inhalte. */
.section--tight { padding: 92px 0; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .label { justify-content: center; }
.section-head h2 { margin-top: 0; }
.section-head .label + h2 { margin-top: 16px; }
.section-head .lead { margin-top: 16px; }
.section-head.center .lead { margin-left: auto; margin-right: auto; }

/* Rasterkinder duerfen unter ihre Inhaltsbreite schrumpfen. Ohne min-width:0 sprengt
   ein breites Kind (z. B. eine Tabelle mit min-width) die ganze Seite auf dem Handy. */
.split > *, .split-7-5 > *, .split-5-7 > *, .grid-2 > *, .grid-3 > *, .grid-4 > *,
.bento > *, .avd-calc > *, .data-head > *, .dossier-head > *, .calc > *, .doc-layout > * { min-width: 0; }
/* Lange deutsche Komposita („Krankenzusatzversicherungen“) passen in schmale Karten
   nicht in eine Zeile: trennen statt ueberlaufen (06.10.2026, Tablet-Breite). */
.card h3, .doc-layout { overflow-wrap: break-word; }
.card h3, .doc-body h2 { -webkit-hyphens: auto; hyphens: auto; }
.doc-body h2 > * { min-width: 0; }
.doc-body h2 { overflow-wrap: anywhere; }

.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: 64px; align-items: center; }
.split.top { align-items: start; }
.split.wide-left { grid-template-columns: 1.25fr .75fr; }

/* Dekor: Türkis-Schimmer + Lichtlinie auf Navy */
.shimmer::before {
  content: ""; position: absolute; width: 720px; height: 720px;
  background: var(--shimmer); top: -320px; right: -220px; pointer-events: none;
}
.shimmer::after {
  content: ""; position: absolute; top: 0; bottom: 0; left: 48px; width: 1px;
  background: linear-gradient(180deg, transparent, rgba(127,233,221,.28), transparent);
  pointer-events: none;
}
.section-dark > .container, .hero > .container, .page-hero > .container, .site-footer > .container { position: relative; z-index: 1; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-body); font-weight: 600; font-size: 16.5px;
  border-radius: 999px; padding: 14px 26px; border: 1px solid transparent;
  cursor: pointer; text-decoration: none; line-height: 1.3;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, border-color .18s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--accent); color: var(--accent-ink); box-shadow: var(--glow); }
.btn-primary:hover { background: #17CDBD; }
.btn-secondary { background: var(--navy); color: #fff; }
.btn-secondary:hover { background: var(--navy-2); }
.btn-tertiary { background: #fff; color: var(--navy); border-color: #D8DEE6; }
.btn-tertiary:hover { border-color: var(--accent); }
.section-dark .btn-tertiary, .hero .btn-tertiary, .page-hero .btn-tertiary { background: transparent; color: #fff; border-color: rgba(255,255,255,.35); }
.section-dark .btn-tertiary:hover, .hero .btn-tertiary:hover, .page-hero .btn-tertiary:hover { border-color: var(--accent-led); color: var(--accent-led); }
.btn svg { flex: none; }
.btn-lg { padding: 17px 32px; font-size: 17.5px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }
.btn-row.center { justify-content: center; }
.btn-stack { display: grid; gap: 10px; }

/* Textlink mit Pfeil */
.link-arrow {
  font-family: var(--font-body); font-weight: 600; font-size: 16px;
  display: inline-flex; align-items: center; gap: 8px; color: var(--accent-text);
}
.link-arrow::after { content: "→"; transition: transform .18s ease; font-family: var(--font-mono); }
.link-arrow:hover { text-decoration: none; }
.link-arrow:hover::after { transform: translateX(4px); }
.section-dark .link-arrow { color: var(--accent-led); }

/* ---------- Header / Navigation ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.93); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--divider);
}
.nav-bar { display: flex; align-items: center; justify-content: space-between; gap: 18px; height: 76px; }
.brand { display: inline-flex; align-items: baseline; gap: 10px; text-decoration: none; flex: none; }
.brand:hover { text-decoration: none; }
.brand .name { font-family: var(--font-head); font-weight: 700; font-size: 24px; letter-spacing: -0.035em; color: var(--navy); }
.brand .name span { color: var(--accent); }
.brand .sub { font-family: var(--font-head); font-weight: 400; font-size: 11.5px; letter-spacing: 0.34em; color: var(--muted); text-transform: uppercase; }
.nav-wrap { display: flex; align-items: center; gap: 12px; }
/* Sechs Navigationspunkte: die Leiste ist auf Dichte gebaut, nicht auf Luft. */
.nav-links { display: flex; align-items: center; gap: 0; list-style: none; margin: 0; padding: 0; }
.nav-links a {
  display: block; padding: 9px 9px; border-radius: 999px; white-space: nowrap;
  font-size: 14.5px; font-weight: 600; color: var(--ink); position: relative;
}
.nav-links a:hover { background: var(--off-white); text-decoration: none; }
.nav-links a[aria-current="page"] { color: var(--accent-deep); }
.nav-links a[aria-current="page"]::after {
  content: ""; position: absolute; left: 9px; right: 9px; bottom: 3px; height: 2px;
  background: var(--accent); border-radius: 2px;
}
.nav-cta-mobile { display: none; }
.nav-cta { white-space: nowrap; padding: 11px 17px; font-size: 14.5px; }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; border-radius: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: transform .2s ease, opacity .2s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero (Startseite) ---------- */
.hero { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.hero-inner { padding: 88px 0 96px; position: relative; z-index: 1; }
/* Nur ab Desktop: darunter greift der Umbruch auf eine Spalte aus dem Responsive-Block. */
@media (min-width: 1025px) { .hero-inner > .split { grid-template-columns: 1.22fr .78fr; gap: 56px; } }
.hero .display { color: #fff; }
.hero .display em { font-style: normal; color: var(--accent-led); }
.hero-badge {
  display: inline-flex; flex-wrap: wrap; max-width: 100%; align-items: center; gap: 10px; margin-bottom: 26px;
  line-height: 1.5;
  font-family: var(--font-mono); font-size: 12px; letter-spacing: .15em; text-transform: uppercase;
  color: var(--accent-led); border: 1px solid rgba(127,233,221,.32); border-radius: 999px; padding: 9px 16px;
}
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

/* Vertrauensleiste (nur belegbare Angaben) */
.trust-row {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px 34px;
  margin-top: 60px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,.12);
}
.trust-row .item { display: flex; gap: 12px; align-items: flex-start; }
.trust-row .item svg { flex: none; margin-top: 2px; }
.trust-row .t { font-family: var(--font-head); font-weight: 600; font-size: 15.5px; color: #fff; line-height: 1.3; }
.trust-row .d { font-family: var(--font-mono); font-size: 12px; letter-spacing: .06em; color: var(--on-dark-sub); margin-top: 5px; line-height: 1.5; }

/* ---------- Unterseiten-Hero ---------- */
.page-hero { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.page-hero-inner { padding: 68px 0 76px; position: relative; z-index: 1; max-width: 820px; }
.page-hero h1 { color: #fff; margin-top: 20px; }
.page-hero .lead { margin-top: 18px; }
.page-hero .hero-cta { margin-top: 32px; }
.breadcrumb { font-family: var(--font-mono); font-size: 12px; letter-spacing: .08em; color: var(--on-dark-sub); }
.breadcrumb a { color: var(--on-dark-sub); }
.breadcrumb a:hover { color: var(--accent-led); }
.breadcrumb .sep { margin: 0 8px; color: rgba(255,255,255,.3); }

/* ---------- Karten ---------- */
.card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 30px; }
.card-dark { background: var(--navy); border-color: transparent; color: #fff; }
.card-dark p { color: var(--on-dark); }
.card-featured { border: 1.5px solid var(--accent); box-shadow: var(--glow); }
.card h3 { font-size: 20px; font-weight: 600; letter-spacing: -0.01em; margin-bottom: 10px; }
.card p { font-size: 16px; color: var(--muted); }
.card .card-num, .card .card-tag {
  font-family: var(--font-mono); font-size: 12px; color: var(--accent-text);
  letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; display: block;
}
.card-link { display: block; color: inherit; transition: border-color .18s ease, transform .18s ease, box-shadow .18s ease; }
.card-link:hover { text-decoration: none; border-color: var(--accent); transform: translateY(-2px); box-shadow: var(--glow); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

/* Themenkarten (die drei Schwerpunkte) — redaktionelle Zeilen statt Kartendeck.
   Jede Zeile traegt ihre Headline gross: hier liegt die typografische Steigerung der Startseite. */
.topic-grid { display: grid; }
.topic {
  position: relative; display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(0, .94fr);
  gap: 22px 64px; align-items: start;
  padding: 44px 0 46px; border-top: 1px solid var(--divider); color: inherit;
}
.topic:last-child { border-bottom: 1px solid var(--divider); }
.topic::before {
  content: ""; position: absolute; inset: 0 -26px; border-radius: 14px; z-index: 0;
  background: rgba(11, 27, 51, .035); opacity: 0; transition: opacity .22s ease;
}
.topic:hover::before { opacity: 1; }
.topic > * { position: relative; z-index: 1; }
.topic:hover { text-decoration: none; }
.topic .lead-col { grid-column: 1; }
.topic-tag {
  display: block; font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--accent-text); margin-bottom: 12px;
}
.topic h3 {
  font-family: var(--font-head); font-size: clamp(25px, 3.1vw, 37px); font-weight: 700;
  letter-spacing: -0.026em; line-height: 1.07; margin-bottom: 0;
}
.topic p { font-size: 17px; color: var(--muted); margin: 15px 0 0; max-width: 45ch; }
.topic .for-who {
  font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .12em;
  text-transform: uppercase; color: var(--soft-text); margin-bottom: 14px;
}
.topic ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.topic ul li { position: relative; padding-left: 19px; font-size: 16px; color: var(--ink); line-height: 1.5; }
.topic ul li::before { content: ""; position: absolute; left: 0; top: 8px; width: 7px; height: 7px; border-radius: 50%; background: var(--accent); }
.topic .go {
  margin-top: 24px; font-weight: 600; font-size: 16.5px; color: var(--accent-text);
  display: inline-flex; align-items: center; gap: 9px;
}
.topic .go::after { content: "→"; font-family: var(--font-mono); transition: transform .18s ease; }
.topic:hover .go::after { transform: translateX(5px); }
@media (max-width: 860px) {
  .topic { grid-template-columns: 1fr; gap: 24px; padding: 34px 0 36px; }
  .topic::before { inset: 0 -14px; }
}

/* Nachgeordnete Themen: Zeilenliste statt Kartendeck — sie sollen leiser wirken
   als die drei Schwerpunkte, nicht gleich laut. */
.link-rows { display: grid; grid-template-columns: 1fr 1fr; gap: 0 56px; }
.link-row {
  display: grid; grid-template-columns: 1fr auto; gap: 7px 18px; align-items: baseline;
  padding: 22px 2px 24px; border-top: 1px solid var(--divider); color: inherit;
}
.link-row .n { font-family: var(--font-head); font-weight: 600; font-size: 18.5px; letter-spacing: -0.015em; line-height: 1.25; }
.link-row .d { grid-column: 1; font-size: 15.5px; color: var(--muted); line-height: 1.5; margin: 0; max-width: 40ch; }
.link-row .ar { font-family: var(--font-mono); color: var(--accent-text); transition: transform .18s ease; }
.link-row:hover { text-decoration: none; }
.link-row:hover .n { color: var(--accent-text); }
.link-row:hover .ar { transform: translateX(4px); }
@media (max-width: 760px) { .link-rows { grid-template-columns: 1fr; } }

/* Checkliste mit Türkispunkt */
.checklist { list-style: none; margin: 24px 0 0; padding: 0; display: grid; gap: 14px; }
.checklist li { position: relative; padding-left: 23px; font-size: 16.5px; line-height: 1.55; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 9px; width: 9px; height: 9px; border-radius: 50%; background: var(--accent); }
.section-dark .checklist li { color: var(--on-dark); }
.checklist.tight li { font-size: 16px; }

/* Ehrlichkeits-Block: passt / passt eher nicht */
.fit { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.fit .col { border: 1px solid var(--border); border-radius: var(--radius); padding: 28px 30px; background: #fff; }
.fit .col.no { background: var(--off-white); }
.fit h3 { font-size: 19px; font-weight: 600; margin-bottom: 18px; display: flex; align-items: center; gap: 10px; }
.fit ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 13px; }
.fit li { position: relative; padding-left: 20px; font-size: 16px; line-height: 1.5; color: var(--ink); }
.fit li::before { content: ""; position: absolute; left: 0; top: 8px; width: 8px; height: 8px; border-radius: 50%; background: var(--accent); }
.fit .col.no li { color: var(--muted); }
.fit .col.no li::before { background: var(--neg); }

/* ---------- Signature: persönliche Karte „Kurz von mir" ---------- */
.person {
  display: grid; grid-template-columns: 132px 1fr; gap: 26px; align-items: start;
  border: 1px solid var(--border); border-left: 3px solid var(--accent);
  border-radius: 4px var(--radius) var(--radius) 4px; background: #fff; padding: 30px 34px;
}
.person .pic { width: 132px; aspect-ratio: 1; border-radius: 12px; overflow: hidden; background: var(--stripes); display: flex; align-items: center; justify-content: center; text-align: center; }
.person .pic span { font-family: var(--font-mono); font-size: 9.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--soft-text); padding: 8px; line-height: 1.5; }
.person .note { font-family: var(--font-head); font-weight: 500; font-size: 19px; line-height: 1.5; letter-spacing: -0.01em; color: var(--ink); }
.person .sig { font-family: var(--font-mono); font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-top: 18px; }
.person .sig strong { color: var(--accent-text); font-weight: 500; }
.section-dark .person, .person.on-dark {
  background: rgba(255,255,255,.04); border-color: rgba(255,255,255,.12); border-left-color: var(--accent);
}
.section-dark .person .note, .person.on-dark .note { color: #fff; }
.section-dark .person .sig, .person.on-dark .sig { color: var(--on-dark-sub); }
.section-dark .person .sig strong, .person.on-dark .sig strong { color: var(--accent-led); }
.person.on-dark .pic { background: repeating-linear-gradient(45deg, rgba(255,255,255,.07), rgba(255,255,255,.07) 14px, rgba(255,255,255,.03) 14px, rgba(255,255,255,.03) 28px); }
.person.on-dark .pic span { color: var(--on-dark-sub); }

/* Portrait-Platzhalter (allein stehend) */
.portrait { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; background: #fff; }
.portrait .ph { background: var(--stripes); display: flex; align-items: center; justify-content: center; }
.portrait .ph span { font-family: var(--font-mono); font-size: 11px; letter-spacing: .12em; text-transform: uppercase; color: var(--soft-text); text-align: center; padding: 16px; line-height: 1.6; }
.portrait .cap { padding: 20px 24px; border-top: 1px solid var(--divider); }
.portrait .cap .role { font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-top: 5px; }

/* Direktkontakt-Karte im Hero */
.contact-card { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 30px; }
.contact-card .row { display: flex; align-items: center; gap: 14px; padding: 13px 0; border-top: 1px solid rgba(255,255,255,.1); }
.contact-card .row:first-of-type { border-top: 0; }
.contact-card .row a { color: #fff; font-family: var(--font-mono); font-size: 14.5px; }
.contact-card .row a:hover { color: var(--accent-led); }
.contact-card .row .k { font-family: var(--font-mono); font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--on-dark-sub); min-width: 74px; }

/* ---------- Ablauf (Pfad-Darstellung) ---------- */
.path { position: relative; margin-top: 8px; }
.path-line { position: absolute; left: 27px; top: 12px; bottom: 12px; width: 2px; background: linear-gradient(180deg, var(--accent), rgba(17,192,176,.12)); }
.path-step { position: relative; padding: 0 0 40px 84px; }
.path-step:last-child { padding-bottom: 0; }
.path-step .dot {
  position: absolute; left: 14px; top: 2px; width: 28px; height: 28px; border-radius: 50%;
  background: var(--white); border: 2px solid var(--accent); color: var(--accent-text);
  font-family: var(--font-mono); font-size: 12px; display: flex; align-items: center; justify-content: center;
}
.section-dark .path-step .dot { background: var(--navy); color: var(--accent-led); }
.path-step h4 { font-size: 18.5px; font-weight: 600; }
.path-step p { font-size: 16px; color: var(--muted); margin-top: 6px; max-width: 58ch; }
.section-dark .path-step p { color: var(--on-dark); }
.path-step .mono-tag { font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .13em; text-transform: uppercase; color: var(--accent-text); }
.section-dark .path-step .mono-tag { color: var(--accent-led); }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--divider); }
.faq details { border-bottom: 1px solid var(--divider); }
.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 20px;
  padding: 22px 4px; font-family: var(--font-head); font-weight: 600; font-size: 18px; letter-spacing: -0.01em;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--accent-text); }
.faq summary .faq-icon {
  flex: none; width: 30px; height: 30px; border-radius: 50%; border: 1.5px solid var(--accent);
  color: var(--accent-text); display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono); font-size: 16px; transition: transform .2s ease;
}
.faq details[open] summary .faq-icon { transform: rotate(45deg); }
.faq .faq-body { padding: 0 4px 26px; color: var(--muted); font-size: 16.5px; max-width: 70ch; }

/* ---------- Tabellen ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); }
table.cd { border-collapse: collapse; width: 100%; min-width: 560px; font-size: 15.5px; }
table.cd th { background: var(--navy); color: #fff; font-family: var(--font-head); font-weight: 600; text-align: left; padding: 14px 18px; font-size: 14.5px; }
table.cd td { padding: 13px 18px; border-top: 1px solid var(--divider); }
table.cd tr:nth-child(even) td { background: var(--off-white); }
table.cd td.num { text-align: right; font-variant-numeric: tabular-nums; }

/* ---------- Formulare ---------- */
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 36px; }
.form-card .form-intro { font-size: 16.5px; color: var(--muted); margin-bottom: 26px; max-width: 56ch; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { display: flex; flex-direction: column; gap: 8px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label, .form-legend { font-weight: 600; font-size: 15px; color: var(--ink); }
.form-field .opt { font-weight: 400; color: var(--soft-text); }
.form-field .hint { font-size: 13.5px; color: var(--soft-text); }
.form-field input, .form-field select, .form-field textarea {
  font-family: var(--font-body); font-size: 16px; color: var(--ink);
  border: 1px solid #D8DEE6; border-radius: 12px; padding: 13px 16px; background: #fff;
  transition: border-color .15s ease, box-shadow .15s ease;
}
/* Safari/iOS: Ein input hat eine intrinsische Mindestbreite (Standard size=20).
   In einer Grid-Spalte (1fr = minmax(auto,1fr)) verhindert die, dass die Spalte
   schmaler wird — das Feld ragt dann rechts heraus. width/min-width loesen das.
   Der Kindselektor laesst Checkbox und Radio in ihren Zeilen unberuehrt. */
.form-grid > *, .form-field { min-width: 0; }
.form-field > input, .form-field > select, .form-field > textarea {
  width: 100%; min-width: 0; max-width: 100%;
  -webkit-appearance: none; appearance: none;
}
.form-field > textarea { resize: vertical; }
.form-card { overflow-wrap: break-word; }

.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(17,192,176,.18);
}
.form-field input[aria-invalid="true"], .form-field textarea[aria-invalid="true"] { border-color: #C0392B; }
.form-error { color: #A93226; font-size: 14px; display: none; }
fieldset.form-field { border: 0; margin: 0; padding: 0; }
.radio-pills { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-pills label {
  border: 1px solid #D8DEE6; border-radius: 999px; padding: 10px 18px; cursor: pointer;
  font-size: 15px; font-weight: 600; display: inline-flex; align-items: center; gap: 8px;
  transition: border-color .15s ease, background .15s ease;
}
.radio-pills label:hover { border-color: var(--accent); }
.radio-pills input { position: absolute; opacity: 0; pointer-events: none; }
.radio-pills input:checked + span { color: var(--accent-ink); }
.radio-pills label:has(input:checked) { border-color: var(--accent); background: var(--accent-tint); }
.radio-pills input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 6px; border-radius: 4px; }
.checkbox-row { display: flex; gap: 12px; align-items: flex-start; font-size: 14.5px; color: var(--muted); }
.checkbox-row input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--accent-deep); flex: none; }
.form-privacy {
  font-size: 13.5px; color: var(--soft-text); line-height: 1.6; border-top: 1px solid var(--divider);
  margin-top: 22px; padding-top: 18px;
}
.form-alt { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px; margin-top: 20px; font-size: 15.5px; color: var(--muted); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--on-dark); font-size: 15px; position: relative; overflow: hidden; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 48px; padding: 72px 0 48px; position: relative; z-index: 1; }
.site-footer h4 { color: #fff; font-size: 15px; font-weight: 600; margin-bottom: 16px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer a { color: var(--on-dark); }
.site-footer a:hover { color: var(--accent-led); }
.footer-brand .name { font-family: var(--font-head); font-weight: 700; font-size: 26px; letter-spacing: -0.035em; color: #fff; }
.footer-brand .name span { color: var(--accent); }
.footer-brand .sub { font-family: var(--font-head); font-size: 12px; letter-spacing: .34em; color: var(--on-dark-sub); text-transform: uppercase; }
.footer-contact { font-family: var(--font-mono); font-size: 13.5px; line-height: 2; }
.footer-legal {
  border-top: 1px solid rgba(255,255,255,.12); padding: 26px 0;
  display: flex; flex-wrap: wrap; gap: 12px 28px; justify-content: space-between; align-items: center;
  font-size: 13.5px; color: var(--on-dark-sub); position: relative; z-index: 1;
}
.footer-legal nav { display: flex; flex-wrap: wrap; gap: 20px; }
.footer-note { font-size: 13px; color: var(--on-dark-sub); max-width: 940px; padding-bottom: 40px; position: relative; z-index: 1; line-height: 1.7; }

/* ---------- Mobile Aktionsleiste ---------- */
.action-bar { display: none; }
@media (max-width: 720px) {
  .action-bar {
    display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; position: fixed; z-index: 90;
    left: 0; right: 0; bottom: 0; padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
    background: rgba(255,255,255,.96); backdrop-filter: blur(12px); border-top: 1px solid var(--divider);
  }
  .action-bar a {
    display: flex; align-items: center; justify-content: center; gap: 7px;
    font-family: var(--font-body); font-weight: 600; font-size: 14.5px; padding: 12px 6px;
    border-radius: 999px; border: 1px solid #D8DEE6; color: var(--navy); background: #fff;
  }
  .action-bar a:hover { text-decoration: none; }
  .action-bar a.primary { background: var(--accent); border-color: var(--accent); color: var(--accent-ink); }
  body { padding-bottom: 76px; }
}

/* ---------- Reveal / Motion (Progressive Enhancement) ---------- */
html.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .62s cubic-bezier(.16,1,.3,1), transform .62s cubic-bezier(.16,1,.3,1); }
html.js .reveal.is-visible { opacity: 1; transform: none; }
/* Gestaffelt: Gruppen kommen als Reihe herein, nicht als ein Block. */
html.js .stagger > * { opacity: 0; transform: translateY(15px); transition: opacity .55s cubic-bezier(.16,1,.3,1), transform .55s cubic-bezier(.16,1,.3,1); }
html.js .stagger.is-visible > * { opacity: 1; transform: none; }
html.js .stagger.is-visible > *:nth-child(2) { transition-delay: 80ms; }
html.js .stagger.is-visible > *:nth-child(3) { transition-delay: 160ms; }
html.js .stagger.is-visible > *:nth-child(4) { transition-delay: 240ms; }
html.js .stagger.is-visible > *:nth-child(n+5) { transition-delay: 300ms; }
html.js .draw-line { stroke-dasharray: 1200; stroke-dashoffset: 1200; transition: stroke-dashoffset 1.6s ease .2s; }
.is-visible .draw-line, svg.is-visible .draw-line { stroke-dashoffset: 0; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  html.js .reveal { opacity: 1; transform: none; transition: none; }
  html.js .stagger > * { opacity: 1; transform: none; transition: none; }
  html.js .draw-line { stroke-dashoffset: 0; transition: none; }
  .btn, .faq summary .faq-icon, .topic, .card-link, .link-arrow::after { transition: none; }
  .btn:hover, .topic:hover, .card-link:hover { transform: none; }
}

/* ---------- Rechner (ETF-Beispielrechnung) ---------- */
.calc { display: grid; grid-template-columns: .9fr 1.1fr; gap: 32px; align-items: start; }
.calc-controls { display: grid; gap: 26px; }
.calc-controls .ctrl label { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; font-weight: 600; font-size: 15.5px; margin-bottom: 10px; }
.calc-controls .ctrl output { font-family: var(--font-mono); color: var(--accent-text); font-size: 14px; }
input[type="range"] { width: 100%; accent-color: var(--accent-deep); }
.calc-result { border: 1px solid var(--border); border-radius: var(--radius); padding: 30px; background: #fff; }
.calc-result .big { font-family: var(--font-head); font-weight: 700; font-size: clamp(30px, 3.4vw, 42px); letter-spacing: -0.02em; }
.calc-note { font-size: 13px; color: var(--soft-text); margin-top: 18px; line-height: 1.6; }
.calc-bars { display: flex; align-items: flex-end; gap: 5px; height: 150px; margin-top: 24px; }
.calc-bars .bar { flex: 1; border-radius: 4px 4px 0 0; background: var(--accent); position: relative; overflow: hidden; min-height: 4px; }
.calc-bars .bar .fill { position: absolute; left: 0; right: 0; bottom: 0; background: var(--navy-2); border-radius: 4px 4px 0 0; }
.calc-legend { display: flex; flex-wrap: wrap; gap: 22px; margin-top: 16px; font-size: 13px; color: var(--muted); }
.calc-legend .sw { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 7px; vertical-align: -1px; }

/* ---------- Belegte Zahlen: Kennzahl-Karten ---------- */
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.stat-card {
  border: 1px solid var(--border); border-radius: var(--radius); padding: 28px 30px 24px;
  background: #fff; display: flex; flex-direction: column;
}
.stat-card .num {
  font-family: var(--font-head); font-weight: 700; letter-spacing: -0.03em; line-height: 1;
  font-size: clamp(34px, 4vw, 46px); color: var(--navy); font-variant-numeric: tabular-nums;
}
.stat-card .num .unit { font-size: .5em; color: var(--accent-text); margin-left: 4px; letter-spacing: 0; }
.stat-card .cap { font-family: var(--font-head); font-weight: 600; font-size: 16.5px; line-height: 1.35; margin-top: 14px; }
.stat-card .txt { font-size: 15.5px; color: var(--muted); margin-top: 10px; line-height: 1.55; }
.stat-card .src, .chart-src {
  font-family: var(--font-mono); font-size: 11.5px; line-height: 1.6; letter-spacing: .04em;
  color: var(--muted); margin-top: auto; padding-top: 18px;
}
.stat-card .src a, .chart-src a { color: var(--muted); text-decoration: underline; text-underline-offset: 2px; }
.stat-card .src a:hover, .chart-src a:hover { color: var(--accent-deep); }
.section-dark .stat-card { background: rgba(255,255,255,.04); border-color: rgba(255,255,255,.12); }
.section-dark .stat-card .num { color: #fff; }
.section-dark .stat-card .num .unit { color: var(--accent-led); }
.section-dark .stat-card .cap { color: #fff; }
.section-dark .stat-card .txt { color: var(--on-dark); }
.section-dark .stat-card .src { color: var(--on-dark-sub); }
.section-dark .stat-card .src a { color: var(--on-dark-sub); }
a.stat-card { color: inherit; transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease; }
a.stat-card:hover { text-decoration: none; transform: translateY(-2px); border-color: var(--accent); box-shadow: var(--glow); }
a.stat-card .more { font-size: 15px; font-weight: 600; color: var(--accent-text); margin-top: 16px; display: inline-flex; gap: 7px; }
a.stat-card .more::after { content: "→"; font-family: var(--font-mono); transition: transform .18s ease; }
a.stat-card:hover .more::after { transform: translateX(4px); }
.section-dark a.stat-card .more { color: var(--accent-led); }

/* ---------- Balkendiagramm (barrierefrei: Label + Wert immer als Text) ---------- */
.bars { list-style: none; margin: 0; padding: 0; display: grid; gap: 18px; }
.bars li { display: grid; grid-template-columns: minmax(190px, 17em) 1fr auto; gap: 18px; align-items: center; }
.bars .bar-label { font-size: 15.5px; line-height: 1.35; }
.bars .bar-track { display: block; background: var(--divider); border-radius: 6px; height: 22px; overflow: hidden; }
.bars .bar-fill { display: block; height: 100%; border-radius: 6px; background: var(--accent); }
.bars .bar-fill.alt { background: var(--navy-2); }
.bars .bar-fill.mute { background: #C3CCD9; }
.bars .bar-val {
  font-family: var(--font-mono); font-size: 14.5px; color: var(--navy);
  font-variant-numeric: tabular-nums; min-width: 3.6em; text-align: right;
}
.section-dark .bars .bar-track { background: rgba(255,255,255,.12); }
.section-dark .bars .bar-label, .section-dark .bars .bar-val { color: #fff; }
/* Balken bewusst ohne Animation: Inhalt darf nie von einer laufenden Transition abhängen. */

/* Vergleichspaar (zwei Balken direkt untereinander, z. B. Netto vs. Rente) */
.compare { display: grid; gap: 22px; }
.compare .row .top { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; margin-bottom: 9px; }
.compare .row .k { font-family: var(--font-head); font-weight: 600; font-size: 16px; }
.compare .row .v { font-family: var(--font-mono); font-size: 15px; color: var(--accent-text); font-variant-numeric: tabular-nums; }
.compare .row .track { background: var(--divider); border-radius: 8px; height: 30px; overflow: hidden; }
.compare .row .fill { height: 100%; border-radius: 8px; background: var(--navy); }
.compare .row .fill.accent { background: var(--accent); }
.compare .row .fill.mute { background: var(--neg); }

/* ---------- Fehlerzusammenfassung im Formular ---------- */
.form-summary {
  display: none; border: 1.5px solid #C0392B; border-left-width: 4px; border-radius: 12px;
  background: #FDF3F2; padding: 18px 22px; margin-bottom: 24px;
}
.form-summary.show { display: block; }
.form-summary h3 { font-size: 16.5px; font-weight: 600; color: #A93226; margin-bottom: 10px; }
.form-summary ul { margin: 0; padding-left: 18px; display: grid; gap: 6px; }
.form-summary a { color: #A93226; font-size: 15px; text-decoration: underline; text-underline-offset: 2px; }
.btn[aria-busy="true"] { opacity: .75; pointer-events: none; }

/* ---------- Prosa & Hinweise ---------- */
.prose { max-width: 760px; }
.prose h2 { font-size: 24px; margin: 44px 0 14px; letter-spacing: -0.015em; }
.prose h3 { font-size: 19px; margin: 30px 0 10px; }
.prose p, .prose li { font-size: 16.5px; color: var(--ink); }
.prose .mono-block { font-family: var(--font-mono); font-size: 14px; line-height: 1.8; background: var(--off-white); border: 1px solid var(--border); border-radius: 12px; padding: 20px 24px; }

.notice {
  border-left: 3px solid var(--accent); background: var(--off-white);
  border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 24px; font-size: 15.5px; color: var(--muted);
}
.placeholder-box {
  border: 1px dashed var(--soft); border-radius: var(--radius); padding: 22px 26px;
  background: var(--off-white); font-size: 15.5px; color: var(--muted);
}
.placeholder-box .tag {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: .14em; text-transform: uppercase;
  color: var(--soft-text); display: block; margin-bottom: 8px;
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  :root { --sec: 88px; --sec-sm: 60px; }
  .split, .split.wide-left, .calc { grid-template-columns: 1fr; gap: 44px; }
  .grid-4, .topic-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .trust-row { grid-template-columns: 1fr 1fr; gap: 20px 24px; }
}
/* Sechs Navigationspunkte brauchen Platz: gemessener Bedarf 1313 px mit dem
   Label „Altersvorsorgedepot" (06.10.2026). Darunter uebernimmt das Burger-Menue,
   das alle Punkte plus den CTA-Button enthaelt. Bei laengeren Labels neu messen. */
@media (max-width: 1320px) {
  .nav-links {
    display: none; position: absolute; top: 76px; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--divider);
    flex-direction: column; align-items: stretch; padding: 16px var(--pad-x) 24px; gap: 4px;
    box-shadow: 0 18px 30px rgba(11,27,51,.06);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 14px 12px; font-size: 17px; border-radius: 12px; }
  .nav-links a[aria-current="page"]::after { display: none; }
  .nav-toggle { display: block; }
  .nav-cta-wrap { display: none; }
  .nav-cta-mobile { display: block; margin-top: 12px; }
  .nav-cta-mobile .btn { width: 100%; }
}
@media (max-width: 980px) {
  .bars li { grid-template-columns: 1fr auto; gap: 6px 14px; }
  .bars .bar-label { grid-column: 1; }
  .bars .bar-val { grid-column: 2; }
  .bars .bar-track { grid-column: 1 / -1; height: 16px; }
}
@media (max-width: 860px) {
  .fit { grid-template-columns: 1fr; }
  .topic-grid { grid-template-columns: 1fr; }
  .stat-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  :root { --pad-x: 20px; }
  body { font-size: 17px; }
  .headline, .headline-sm, .card h3, .topic h3 { hyphens: auto; }
  .display, .headline, .headline-sm, .card h3 { overflow-wrap: break-word; }
  .display { font-size: clamp(30px, 8.8vw, 40px); }
  .lead { font-size: 17.5px; }
  .label, .hero-badge, .breadcrumb { letter-spacing: 0.1em; }
  .grid-2, .grid-3, .grid-4, .stat-grid { grid-template-columns: 1fr; }
  .bars li { grid-template-columns: 1fr auto; gap: 6px 14px; }
  .bars .bar-label { grid-column: 1; }
  .bars .bar-val { grid-column: 2; }
  .bars .bar-track { grid-column: 1 / -1; height: 16px; }
  .trust-row { grid-template-columns: 1fr; gap: 16px; }
  .hero-inner { padding: 60px 0 68px; }
  .page-hero-inner { padding: 52px 0 60px; }
  .form-grid { grid-template-columns: 1fr; }
  .form-card { padding: 26px 22px; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; padding: 56px 0 36px; }
  .path-step { padding-left: 60px; }
  .path-line { left: 21px; }
  .path-step .dot { left: 8px; }
  .person { grid-template-columns: 1fr; gap: 20px; padding: 26px 24px; }
  .person .pic { width: 96px; }
  .person .note { font-size: 17.5px; }
  .btn { width: 100%; }
  .btn-row { flex-direction: column; align-items: stretch; }
  .radio-pills label { width: auto; }
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-cta .btn { width: 100%; }
  .section-head { margin-bottom: 40px; }
}

/* ==========================================================================
   ERWEITERUNG — Seitencharaktere, Fotos, redaktionelle Bausteine
   Das CD bleibt die Basis. Jede Seite bekommt darüber einen eigenen Ton,
   damit die Website nicht auf jeder Seite gleich aussieht.
   ========================================================================== */

:root {
  --paper: #F4F6F9;
  --paper-warm: #F6F7F4;
  --ink-soft: rgba(11, 27, 51, .06);
  --rule: rgba(11, 27, 51, .1);
}

/* ---------- Fotos ---------- */
.photo { display: block; position: relative; overflow: hidden; border-radius: var(--radius); background: var(--off-white); }
.photo img { display: block; width: 100%; height: 100%; object-fit: cover; }
.photo--frame { border: 1px solid var(--border); }
.photo--r4x5 { aspect-ratio: 4 / 5; }
.photo--r1x1 { aspect-ratio: 1 / 1; }
.photo--r3x4 { aspect-ratio: 3 / 4; }
.photo--r16x9 { aspect-ratio: 16 / 9; }
.photo--sharp { border-radius: var(--radius-sharp); }
/* Navy-Duoton für Bilder, die sich in dunkle Flächen einfügen sollen */
.photo--duo img { filter: grayscale(.4) contrast(1.06) saturate(.9); }
.photo--duo::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    linear-gradient(to top, rgba(9,22,41,.94) 0%, rgba(9,22,41,.72) 34%, rgba(9,22,41,.18) 68%, rgba(9,22,41,.05) 100%),
    linear-gradient(115deg, rgba(11,27,51,.45), rgba(17,192,176,.14) 70%);
}
.photo--tint::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(180deg, transparent 45%, rgba(11,27,51,.55));
}
.photo-caption {
  font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .1em; color: var(--muted);
  margin-top: 12px; line-height: 1.6;
}

/* Bild über volle Breite, aus dem Raster ausbrechend */
.figure-band { position: relative; margin: 0; overflow: hidden; background: var(--navy); }
.figure-band .photo { border-radius: 0; }
.figure-band--tall .photo { aspect-ratio: 21 / 9; }
.figure-band--short .photo { aspect-ratio: 32 / 9; }
.figure-band .band-text {
  position: absolute; inset: auto 0 0 0; z-index: 2;
  padding: 44px 0 40px;
}
.figure-band .band-text .container { color: #fff; }
.figure-band h2, .figure-band h3 { color: #fff; }
.figure-band p { color: var(--on-dark); max-width: 52ch; }
@media (max-width: 720px) {
  .figure-band--tall .photo, .figure-band--short .photo { aspect-ratio: 4 / 3; }
  .figure-band .band-text { padding: 26px 0; }
}

/* ---------- Zitat / Aussage ---------- */
.pull {
  margin: 0; padding: 0 0 0 34px; border-left: 3px solid var(--accent);
  font-family: var(--font-head); font-weight: 500; letter-spacing: -0.015em;
  font-size: clamp(21px, 2.5vw, 30px); line-height: 1.34; color: var(--ink);
  text-wrap: pretty;
}
.pull cite { display: block; font-family: var(--font-mono); font-size: 12px; font-style: normal;
  letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin-top: 20px; }
.section-dark .pull, .pull--on-dark { color: #fff; }
.section-dark .pull cite, .pull--on-dark cite { color: var(--on-dark-sub); }

/* ---------- Große Kapitelzahl als Struktur ---------- */
.marker { display: flex; align-items: baseline; gap: 20px; }
.marker .n {
  font-family: var(--font-head); font-weight: 800; font-size: clamp(46px, 6vw, 84px);
  line-height: .85; letter-spacing: -0.05em; color: var(--ink-soft); flex: none;
}
.section-dark .marker .n { color: rgba(255,255,255,.1); }

/* ---------- Asymmetrische Raster ---------- */
.split-7-5 { display: grid; grid-template-columns: 7fr 5fr; gap: 64px; align-items: start; }
.split-5-7 { display: grid; grid-template-columns: 5fr 7fr; gap: 64px; align-items: start; }
.offset-up { margin-top: -64px; }
.offset-down { margin-top: 64px; }
@media (max-width: 1024px) {
  .split-7-5, .split-5-7 { grid-template-columns: 1fr; gap: 40px; }
  .offset-up, .offset-down { margin-top: 0; }
}

/* Bento: eine große Kachel, zwei kleine */
.bento { display: grid; grid-template-columns: 1.35fr 1fr; grid-auto-rows: minmax(0, auto); gap: 24px; }
.bento > .lg { grid-row: span 2; }
@media (max-width: 860px) { .bento { grid-template-columns: 1fr; } .bento > .lg { grid-row: auto; } }

/* ---------- Feines Raster als Textur (Daten-Charakter) ---------- */
.gridlines { position: relative; }
.gridlines::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; z-index: 0;
  background-image: linear-gradient(to right, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 84px 100%;
  mask-image: linear-gradient(to bottom, transparent, #000 18%, #000 82%, transparent);
}
.gridlines > .container { position: relative; z-index: 1; }
.gridlines-light::before {
  background-image: linear-gradient(to right, rgba(11,27,51,.05) 1px, transparent 1px);
}

/* ---------- Dokumentseiten (Impressum, Datenschutz) ---------- */
.page-hero--doc { background: var(--navy); }
.doc { background: var(--paper); }
.doc-layout { display: grid; grid-template-columns: 246px 1fr; gap: 64px; align-items: start; }
.toc {
  position: sticky; top: 100px; border-left: 2px solid var(--accent); padding-left: 20px;
  max-height: calc(100vh - 140px); overflow-y: auto;
}
.toc-title { font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin-bottom: 14px; }
.toc ol { list-style: none; margin: 0; padding: 0; counter-reset: toc; display: grid; gap: 9px; }
.toc li { counter-increment: toc; }
.toc a { font-size: 14.5px; color: var(--muted); line-height: 1.4; display: block; }
.toc a::before { content: counter(toc, decimal-leading-zero) " "; font-family: var(--font-mono); font-size: 11.5px; color: var(--muted); }
.toc a:hover { color: var(--accent-text); text-decoration: none; }
.doc-body { max-width: 74ch; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 48px 54px; }
.doc-body > h2 {
  font-size: clamp(21px, 2.2vw, 26px); letter-spacing: -0.018em; line-height: 1.2;
  margin: 52px 0 16px; padding-top: 26px; border-top: 1px solid var(--divider);
  display: flex; gap: 16px; align-items: baseline; scroll-margin-top: 96px;
}
.doc-body > h2:first-of-type { margin-top: 0; padding-top: 0; border-top: 0; }
.doc-num { font-family: var(--font-mono); font-size: 13px; color: var(--accent-text); flex: none; letter-spacing: .06em; }
.doc-body h3 { font-size: 17.5px; margin: 26px 0 8px; }
.doc-body p, .doc-body li { font-size: 16.5px; line-height: 1.68; color: var(--ink); }
.doc-body ul { padding-left: 20px; display: grid; gap: 9px; margin: 0 0 1em; }
.doc-body li::marker { color: var(--accent-deep); }
.doc-body .mono-block { margin: 16px 0; }
.doc-body .placeholder-box { margin: 18px 0; }
.doc-body .notice { margin: 18px 0; }
.doc-note { font-size: 13.5px !important; color: var(--soft-text) !important; }
.doc-stand {
  margin-top: 48px; padding-top: 22px; border-top: 1px solid var(--divider);
  font-family: var(--font-mono); font-size: 12px !important; letter-spacing: .1em; color: var(--soft-text) !important;
}
@media (max-width: 1024px) {
  .doc-layout { grid-template-columns: 1fr; gap: 32px; }
  .toc { position: static; max-height: none; }
  .toc ol { grid-template-columns: 1fr 1fr; display: grid; gap: 8px 24px; }
  .doc-body { padding: 34px 30px; }
}
@media (max-width: 640px) {
  .toc ol { grid-template-columns: 1fr; }
  .doc-body { padding: 26px 22px; }
}

/* ==========================================================================
   Seitencharaktere
   ========================================================================== */

/* --- Dossier (PKV): heller, papierartiger Ton, ruhige Flächen --- */
[data-theme="dossier"] .section-alt { background: var(--paper-warm); }
[data-theme="dossier"] .page-hero { background: linear-gradient(155deg, #0B1B33 0%, #123049 62%, #16455F 100%); }
[data-theme="dossier"] .card { border-radius: var(--radius-sharp); }
[data-theme="dossier"] .stat-card { border-radius: var(--radius-sharp); }
[data-theme="dossier"] .label::before { border-radius: 0; }
[data-theme="dossier"] .doc-body { border-radius: var(--radius-sharp); }

/* --- Daten (ETF): technischer, dunkler, Zahlen im Vordergrund --- */
[data-theme="daten"] .page-hero { background: var(--navy); }
[data-theme="daten"] .section-alt { background: #F5F8FA; }
[data-theme="daten"] .card .card-tag, [data-theme="daten"] .label { letter-spacing: .2em; }
[data-theme="daten"] .headline, [data-theme="daten"] .display { letter-spacing: -0.03em; }

/* --- Report (BU): redaktionell, viel Weißraum, starke Aussagen --- */
[data-theme="report"] .section { padding-top: calc(var(--sec) + 12px); }
[data-theme="report"] .page-hero { background: linear-gradient(200deg, #0B1B33 20%, #14273F 100%); }
[data-theme="report"] .card { border-radius: var(--radius-sharp); }
[data-theme="report"] .section-alt { background: var(--paper); }

/* --- Magazin (Über mich): fotogetrieben --- */
[data-theme="magazin"] .page-hero { background: var(--navy); }
[data-theme="magazin"] .section-alt { background: var(--paper-warm); }

/* --- Prozess (Beratung) --- */
[data-theme="prozess"] .section-alt { background: var(--paper); }
[data-theme="prozess"] .page-hero { background: linear-gradient(160deg, #0B1B33, #163B5C); }

/* --- Dokument (Rechtstexte) --- */
[data-theme="dokument"] .page-hero { background: #0E2238; }
[data-theme="dokument"] .page-hero-inner { padding-bottom: 60px; }

/* ---------- Kontaktkacheln (Kontaktseite) ---------- */
.contact-tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.contact-tile {
  display: flex; flex-direction: column; gap: 10px; padding: 26px 28px; color: inherit;
  border: 1px solid var(--border); border-radius: var(--radius); background: #fff;
  transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease;
}
.contact-tile:hover { text-decoration: none; transform: translateY(-2px); border-color: var(--accent); box-shadow: var(--glow); }
.contact-tile .ico { width: 40px; height: 40px; border-radius: 11px; background: var(--accent-tint); display: flex; align-items: center; justify-content: center; margin-bottom: 6px; }
.contact-tile .k { font-family: var(--font-mono); font-size: 11px; letter-spacing: .15em; text-transform: uppercase; color: var(--muted); }
.contact-tile .v { font-family: var(--font-head); font-weight: 600; font-size: 18px; letter-spacing: -0.01em; }
.contact-tile .d { font-size: 14.5px; color: var(--muted); }
@media (max-width: 860px) { .contact-tiles { grid-template-columns: 1fr; } }

/* ---------- Faktenzeile (kompakt, mono) ---------- */
.facts { display: flex; flex-wrap: wrap; gap: 10px 12px; list-style: none; margin: 0; padding: 0; }
.facts li {
  font-family: var(--font-mono); font-size: 12.5px; letter-spacing: .06em;
  border: 1px solid var(--border); border-radius: 999px; padding: 9px 16px; color: var(--muted); background: #fff;
}
.section-dark .facts li, .hero .facts li, .page-hero .facts li, .figure-band .facts li { border-color: rgba(255,255,255,.22); color: var(--on-dark); background: rgba(255,255,255,.04); }

/* ---------- Signatur ---------- */
.signature { font-family: var(--font-head); font-weight: 600; font-size: 20px; letter-spacing: -0.02em; color: var(--accent-text); }

/* ---------- Hero mit Porträt (Startseite) ---------- */
.hero-figure { position: relative; padding-bottom: 46px; }
.hero-figure .photo { box-shadow: 0 30px 70px rgba(0,0,0,.35); border-color: rgba(255,255,255,.14); }
.hero-figure-card {
  position: absolute; right: -18px; bottom: 0; width: min(300px, 86%);
  background: rgba(9, 23, 43, .82); backdrop-filter: blur(14px);
  border: 1px solid rgba(127,233,221,.28); border-radius: var(--radius);
  padding: 20px 22px 18px; box-shadow: 0 18px 46px rgba(0,0,0,.35);
}
.hero-figure-card .k { font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .18em; text-transform: uppercase; color: var(--accent-led); }
.hero-figure-card .tel { display: block; font-family: var(--font-head); font-weight: 700; font-size: 21px; letter-spacing: -0.02em; color: #fff; margin-top: 8px; }
.hero-figure-card .tel:hover { color: var(--accent-led); text-decoration: none; }
.hero-figure-card .row-links { display: flex; gap: 16px; margin-top: 8px; }
.hero-figure-card .row-links a { font-family: var(--font-mono); font-size: 12px; color: var(--on-dark); border-bottom: 1px solid rgba(255,255,255,.25); }
.hero-figure-card .row-links a:hover { color: var(--accent-led); border-color: var(--accent-led); text-decoration: none; }
.hero-figure-card p { font-size: 14px; line-height: 1.55; color: var(--on-dark); margin: 14px 0 0; }
.hero-figure-card .sig-line { font-family: var(--font-mono); font-size: 11px; letter-spacing: .12em; color: var(--accent-led); margin-top: 10px; }
@media (max-width: 1024px) {
  .hero-figure { max-width: 460px; }
}
@media (max-width: 640px) {
  .hero-figure { max-width: 100%; padding-bottom: 0; }
  .hero-figure-card { position: static; width: 100%; margin-top: 16px; }
}

/* ---------- Magazin-Auftakt (Über mich) ---------- */
.mag-hero { display: grid; grid-template-columns: 1.15fr .85fr; gap: 64px; align-items: center; padding: 64px 0 72px; }
.mag-hero-figure { margin: 0; }
.mag-hero-figure .photo { border: 1px solid rgba(255,255,255,.14); box-shadow: 0 30px 70px rgba(0,0,0,.4); }
.mag-hero-figure figcaption {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: .12em; text-transform: uppercase;
  color: var(--on-dark-sub); margin-top: 14px;
}
.mag-hero .facts li { border-color: rgba(255,255,255,.2); color: var(--on-dark); background: transparent; }
.person .pic picture { display: block; width: 100%; height: 100%; }
.person .pic img { display: block; width: 100%; height: 100%; object-fit: cover; }
@media (max-width: 1024px) {
  .mag-hero { grid-template-columns: 1fr; gap: 40px; padding: 48px 0 56px; }
  .mag-hero-figure { max-width: 420px; }
}

/* ---------- Dossier-Kopf (PKV, Altersvorsorge) ---------- */
.dossier-head { display: grid; grid-template-columns: 250px 1fr; gap: 56px; align-items: start; margin-top: 34px; }
.dossier-meta { border-top: 2px solid var(--accent); padding-top: 20px; }
.dossier-kennzahl {
  display: block; font-family: var(--font-head); font-weight: 800; font-size: 72px; line-height: .82;
  letter-spacing: -0.05em; color: rgba(255,255,255,.14); margin-bottom: 16px;
}
.dossier-sub {
  font-family: var(--font-head); font-weight: 600; font-size: 21px; line-height: 1.2;
  letter-spacing: -0.02em; color: #fff; margin: 14px 0 0;
}
.dossier-main .headline { color: #fff; }
.dossier-main .lead { margin-top: 20px; }
@media (max-width: 1024px) {
  .dossier-head { grid-template-columns: 1fr; gap: 28px; }
  .dossier-meta { display: flex; align-items: baseline; gap: 18px; }
  .dossier-kennzahl { font-size: 48px; margin-bottom: 0; }
  .dossier-sub { display: none; }
}

/* Tabelle mit Zeilenkopf links */
table.cd th[scope="row"] {
  background: transparent; color: var(--ink); font-family: var(--font-head); font-weight: 600;
  font-size: 15px; width: 26%; vertical-align: top; padding: 13px 18px;
}
table.cd tr:nth-child(even) th[scope="row"] { background: var(--off-white); }

/* ---------- Datenkopf (ETF-Rente) ---------- */
.data-head { display: grid; grid-template-columns: 1.08fr .92fr; gap: 60px; align-items: center; }
.data-panel {
  border: 1px solid rgba(127,233,221,.24); border-radius: var(--radius);
  background: rgba(255,255,255,.035); padding: 26px 28px;
}
.dp-label { font-family: var(--font-mono); font-size: 11px; letter-spacing: .16em; text-transform: uppercase; color: var(--accent-led); margin-bottom: 18px; }
.dp-row { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; border-top: 1px solid rgba(255,255,255,.09); }
.dp-row:first-of-type { border-top: 0; }
.dp-k { font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--on-dark-sub); }
.dp-v { font-family: var(--font-mono); font-size: 14px; color: #fff; font-variant-numeric: tabular-nums; }
.dp-split { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 22px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); }
.dp-big { font-family: var(--font-head); font-weight: 700; font-size: 26px; letter-spacing: -0.02em; color: var(--accent-led); margin-top: 8px; font-variant-numeric: tabular-nums; }
.dp-big.dim { color: var(--on-dark-sub); }
.dp-note { font-size: 12.5px; color: var(--on-dark-sub); margin: 18px 0 0; line-height: 1.55; }
@media (max-width: 1024px) { .data-head { grid-template-columns: 1fr; gap: 40px; } }

/* ==========================================================================
   Zulagenrechner — Altersvorsorgedepot
   Zwei Fragen, zwei Antworten: Was legt der Staat drauf, und was macht der
   Kostenunterschied ueber die Laufzeit aus.
   ========================================================================== */

.avd-calc { display: grid; grid-template-columns: .94fr 1.06fr; gap: 32px; align-items: start; }
.avd-panel { border: 1px solid var(--border); border-radius: var(--radius); background: #fff; padding: 30px; }
.avd-panel + .avd-panel { margin-top: 18px; }
.avd-panel h3 { font-size: 19px; font-weight: 600; letter-spacing: -0.01em; margin-bottom: 4px; }
.avd-panel .sub { font-size: 14.5px; color: var(--muted); margin: 0 0 22px; }

/* Ein Sparjahr als Balken: dein Anteil und der Anteil vom Staat */
.fund-bar { display: flex; height: 36px; border-radius: 9px; overflow: hidden; background: var(--divider); }
.fund-bar span { display: block; height: 100%; transition: width .2s ease; }
.fund-bar .own { background: var(--navy); }
.fund-bar .add { background: var(--accent); }
.fund-key { display: flex; flex-wrap: wrap; gap: 9px 24px; margin-top: 15px; font-size: 13.5px; color: var(--muted); }
.fund-key i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 8px; vertical-align: -1px; font-style: normal; }

.avd-rows { display: grid; margin-top: 26px; }
.avd-row { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 12px 0; border-top: 1px solid var(--divider); font-size: 15.5px; }
.avd-row[hidden] { display: none; }   /* sonst gewinnt display:flex gegen das hidden-Attribut */
.avd-row .k { color: var(--muted); }
.avd-row .v { font-family: var(--font-mono); font-variant-numeric: tabular-nums; color: var(--ink); white-space: nowrap; }
.avd-row.off .k, .avd-row.off .v { color: var(--soft-text); }
.avd-row.total { border-top: 2px solid var(--navy); padding-top: 15px; }
.avd-row.total .k { font-family: var(--font-head); font-weight: 700; font-size: 16.5px; color: var(--ink); }
.avd-row.total .v { font-family: var(--font-head); font-weight: 700; font-size: 21px; letter-spacing: -0.02em; color: var(--accent-text); }

.avd-quote { margin-top: 22px; padding: 16px 20px; border-radius: 12px; background: var(--accent-tint); color: var(--accent-ink); font-size: 15.5px; line-height: 1.5; }
.avd-quote strong { font-family: var(--font-head); font-weight: 700; }

/* Ergebniszeile des Kostenvergleichs */
.avd-single { margin-top: 4px; }
.avd-single .k { font-family: var(--font-mono); font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.avd-single .v {
  font-family: var(--font-head); font-weight: 700; font-size: clamp(30px, 3.6vw, 42px);
  letter-spacing: -0.025em; margin-top: 7px; font-variant-numeric: tabular-nums; color: var(--accent-text);
}
.avd-delta { margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--divider); font-size: 16px; line-height: 1.55; color: var(--ink); }
.avd-delta b { font-family: var(--font-head); font-weight: 700; color: var(--accent-text); }

@media (max-width: 1024px) { .avd-calc { grid-template-columns: 1fr; gap: 26px; } }
@media (max-width: 560px) { .avd-panel { padding: 24px 22px; } }
/* Einspaltig liegen Regler und Diagramm uebereinander: die Reglerspalte so
   dicht wie moeglich halten, damit der Weg zum Diagramm kurz bleibt. */
@media (max-width: 1024px) {
  .avd-calc .calc-controls { gap: 18px; padding: 24px 22px; }
  .avd-calc .calc-controls .ctrl label { margin-bottom: 7px; }
}

/* ==========================================================================
   Verlaufsschaubild — Beispielrechnung
   Werte stehen immer auch als Text in der Legende: die Farbe traegt keine
   Bedeutung allein.
   ========================================================================== */
.chart-card { border: 1px solid var(--border); border-radius: var(--radius); background: #fff; padding: 30px 32px 26px; }
.chart-head h3 { font-size: 21px; font-weight: 700; letter-spacing: -0.015em; }
.chart-head .sub { font-size: 15.5px; color: var(--muted); margin: 6px 0 0; }
.chart-wrap { margin: 24px 0 4px; }
.chart-wrap svg { display: block; width: 100%; height: auto; overflow: visible; }

.chart-key { list-style: none; margin: 18px 0 0; padding: 0; display: grid; }
.chart-key li {
  display: grid; grid-template-columns: 14px minmax(0, 1fr) auto auto; gap: 0 14px;
  align-items: baseline; padding: 11px 0; border-top: 1px solid var(--divider);
}
.chart-key i { width: 12px; height: 12px; border-radius: 3px; align-self: center; }
.chart-key .n { font-family: var(--font-head); font-weight: 600; font-size: 16px; }
.chart-key .a { font-family: var(--font-mono); font-size: 11.5px; letter-spacing: .06em; color: var(--soft-text); text-align: right; }
.chart-key .v { font-family: var(--font-mono); font-size: 15px; font-variant-numeric: tabular-nums; color: var(--ink); min-width: 7.5em; text-align: right; }
.chart-key li.sum { border-top: 2px solid var(--navy); }
.chart-key li.sum .n, .chart-key li.sum .v { font-weight: 700; color: var(--accent-text); }
.chart-key li.sum .v { font-family: var(--font-head); font-size: 17px; }
.chart-card .chart-src { margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--divider); }

@media (max-width: 620px) {
  .chart-card { padding: 24px 22px 22px; }
  .chart-key li { grid-template-columns: 14px 1fr; gap: 3px 12px; }
  .chart-key .a, .chart-key .v { grid-column: 2; text-align: left; min-width: 0; }
}

/* Auf schmalen Schirmen schrumpft die SVG-Beschriftung unter die Lesbarkeit.
   Dort traegt die Legende die Werte, die Kurven zeigen nur noch den Verlauf. */
@media (max-width: 620px) {
  .chart-wrap .ax-y { display: none; }
  .chart-wrap .ax-x { font-size: 26px; }
  .chart-wrap svg { overflow: visible; }
}

/* ProvenExpert-Bewertungssiegel: Verweis auf das volle Profil darunter. */
#pewl:empty { display: none; }
.pe-mehr { margin: 20px 0 0; }