/* ==========================================================================
   Deutsche Hilfe Gruppe — Design-System « Smaragd & Champagner »
   Cormorant Garamond (Display, Serif) + Inter (Text).
   Premium private-lender look: warm ivory surfaces, deep emerald as the
   primary, a restrained champagne-gold accent, gold hairlines and calm
   geometry. Flat brand fills, soft warm shadows — no loud gradients.
   ========================================================================== */

:root {
    /* Emerald scale */
    --green-900: #06231A;   /* deepest */
    --green-800: #0A3225;   /* dark sections / footer */
    --green-700: #0E4231;
    --green-600: #114634;   /* primary */
    --green-500: #1C6B4F;
    --green-400: #3E8C6E;
    --green-300: #8FB6A6;
    --green-100: #DCE8E2;

    /* Champagne gold accent */
    --gold-700: #97753C;
    --gold-600: #AD8A4A;
    --gold-500: #C0A16B;    /* accent */
    --gold-300: #DCC79C;
    --gold-100: #EFE6D2;

    /* Warm neutral surfaces */
    --page:    #FBF9F3;     /* ivory page */
    --white:   #FFFFFF;
    --tint:    #F4EFE4;     /* warm tint sections */
    --sand:    #F7F2E8;
    --heading: #12211B;
    --body:    #495750;
    --muted:   #7C877F;
    --border:  #E8E0D0;     /* warm hairline */
    --border-strong: #DcD1BC;

    --primary: var(--green-600);
    --accent:  var(--gold-500);

    --radius:      10px;
    --radius-lg:   14px;
    --radius-xl:   20px;
    --radius-pill: 999px;
    --shadow-sm:   0 1px 2px rgba(18,33,27,.05), 0 2px 8px rgba(18,33,27,.05);
    --shadow-md:   0 12px 30px rgba(18,33,27,.08), 0 4px 12px rgba(18,33,27,.05);
    --shadow-lg:   0 34px 74px rgba(10,50,37,.16), 0 12px 28px rgba(10,50,37,.10);
    --shadow-green:0 16px 34px rgba(17,70,52,.26);
    --ring:        0 0 0 4px rgba(192,161,107,.32);

    --maxw: 1200px;
    --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    --display: "Cormorant Garamond", Georgia, "Times New Roman", serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    margin: 0; font-family: var(--sans); color: var(--body); background: var(--page);
    line-height: 1.7; font-size: 16px; -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { color: var(--heading); line-height: 1.1; margin: 0 0 .5em; font-family: var(--display); font-weight: 600; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.6rem, 5.2vw, 4.2rem); font-weight: 600; }
h2 { font-size: clamp(2rem, 3.6vw, 3rem); }
h3 { font-size: 1.4rem; font-weight: 600; }
h4 { font-family: var(--sans); }
p  { margin: 0 0 1rem; }
a  { color: var(--green-600); text-decoration: none; transition: color .15s; }
a:hover { color: var(--green-500); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section--tint { background: var(--tint); }
.section--soft { background: var(--white); }
.section--page { background: var(--page); }
.center { text-align: center; }

.eyebrow {
    display: inline-flex; align-items: center; gap: 9px; font-family: var(--sans);
    font-size: .74rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
    color: var(--gold-700); margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 22px; height: 1px; background: var(--gold-500); }
.center .eyebrow { justify-content: center; }
.center .eyebrow::before { display: none; }
.center .eyebrow { position: relative; padding-bottom: 4px; }
.lead { font-size: 1.16rem; color: var(--body); max-width: 640px; line-height: 1.75; }
.section .center .lead { margin-left: auto; margin-right: auto; }

.gold-rule { width: 54px; height: 2px; background: var(--gold-500); border: 0; margin: 0 0 22px; }
.center .gold-rule { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 10px;
    font-family: var(--sans); font-weight: 600; font-size: .95rem; line-height: 1;
    padding: 15px 30px; border-radius: var(--radius-pill); border: 1.5px solid transparent;
    cursor: pointer; transition: background .2s, transform .12s, box-shadow .2s, color .2s, border-color .2s;
    white-space: nowrap; letter-spacing: .01em;
}
.btn--primary { background: var(--green-600); color: #fff; box-shadow: var(--shadow-green); }
.btn--primary:hover { background: var(--green-700); transform: translateY(-2px); color: #fff; box-shadow: 0 20px 40px rgba(17,70,52,.32); }
.btn--gold { background: var(--gold-500); color: #241a06; }
.btn--gold:hover { background: var(--gold-600); transform: translateY(-2px); color: #241a06; }
.btn--ghost { background: transparent; color: var(--heading); border-color: var(--border-strong); }
.btn--ghost:hover { border-color: var(--green-400); color: var(--green-700); background: rgba(17,70,52,.04); }
.btn--light { background: #fff; color: var(--green-700); }
.btn--light:hover { background: var(--gold-100); color: var(--green-800); }
.btn--outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn--outline-light:hover { background: rgba(255,255,255,.1); color: #fff; border-color: rgba(255,255,255,.7); }
.btn--lg { padding: 17px 36px; font-size: 1rem; }
.btn--block { width: 100%; }
.btn:focus-visible { outline: none; box-shadow: var(--ring); }

/* ---------- Header ---------- */
.site-header {
    position: sticky; top: 0; z-index: 50;
    background: rgba(251,249,243,.88); backdrop-filter: saturate(180%) blur(14px);
    border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 78px; gap: 22px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand .mark { width: 40px; height: 40px; flex: 0 0 40px; }
.brand-word { font-family: var(--display); font-weight: 600; font-size: 1.32rem; color: var(--heading); letter-spacing: -0.01em; line-height: 1; }
.brand-word small { display: block; font-family: var(--sans); font-weight: 500; font-size: .58rem; letter-spacing: .28em; text-transform: uppercase; color: var(--gold-700); margin-top: 3px; }
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-links a { color: var(--heading); font-weight: 500; font-size: .95rem; position: relative; }
.nav-links a:hover { color: var(--green-600); }
.nav-links a.active { color: var(--green-600); }
.nav-links a.active::after { content: ""; position: absolute; left: 0; right: 0; bottom: -8px; height: 2px; background: var(--gold-500); border-radius: 2px; }
.nav-right { display: flex; align-items: center; gap: 16px; }

/* ---------- Nav dropdown ---------- */
.nav-item { position: relative; display: inline-flex; align-items: center; }
.nav-item > a { display: inline-flex; align-items: center; gap: 5px; }
.caret { opacity: .6; transition: transform .2s; }
.caret-btn { position: absolute; top: 0; left: 0; right: 0; height: 100%; background: none; border: 0; cursor: pointer; display: none; }
.dropdown { position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(10px); background: #fff; border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow-lg); padding: 10px; min-width: 280px; opacity: 0; visibility: hidden; transition: opacity .18s, transform .18s; z-index: 60; }
.dropdown::before { content: ""; position: absolute; top: -14px; left: 0; right: 0; height: 14px; }
.nav-item:hover .dropdown, .nav-item.open .dropdown { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(6px); }
.nav-item:hover .caret, .nav-item.open .caret { transform: rotate(180deg); }
.dropdown a { display: flex; align-items: center; gap: 13px; padding: 12px 13px; border-radius: 10px; color: var(--heading); font-size: .95rem; font-weight: 500; }
.dropdown a::after { display: none; }
.dropdown a:hover { background: var(--sand); color: var(--green-700); }
.dropdown .di { width: 36px; height: 36px; border-radius: 9px; background: var(--sand); color: var(--green-600); display: grid; place-items: center; flex: 0 0 auto; }
.dropdown a b { display: block; font-weight: 600; font-size: .93rem; }
.dropdown a span.desc { display: block; font-size: .78rem; color: var(--muted); font-weight: 400; margin-top: 1px; }
.dropdown a .tx { display: flex; flex-direction: column; line-height: 1.25; }

/* ---------- Mobile toggle ---------- */
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; color: var(--heading); }

/* ==========================================================================
   HERO — editorial split with a "Konditionen" panel
   ========================================================================== */
.hero { position: relative; overflow: hidden; background: var(--green-800); border-bottom: 1px solid var(--green-900); }
.hero-bg, .hero-bg img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-veil { position: absolute; inset: 0; z-index: 1; pointer-events: none;
    background: linear-gradient(100deg, rgba(6,35,26,.92) 0%, rgba(6,35,26,.80) 40%, rgba(6,35,26,.52) 100%); }
.hero .container { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: 56px; align-items: center; padding: 92px 0 100px; }
.hero-copy { color: #fff; max-width: 620px; }
.hero-copy .eyebrow { color: var(--gold-300); }
.hero-copy .eyebrow::before { background: var(--gold-300); }
.hero-copy h1 { color: #fff; margin-bottom: 22px; letter-spacing: -0.015em; }
.hero-copy h1 .hl { color: var(--gold-300); font-style: italic; }
.hero-copy .lead { color: rgba(255,255,255,.86); max-width: 540px; margin-bottom: 30px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 30px; }
.hero-chips { display: flex; gap: 22px; flex-wrap: wrap; }
.hero-chip { display: inline-flex; align-items: center; gap: 9px; font-size: .88rem; font-weight: 500; color: rgba(255,255,255,.92); }
.hero-chip svg { color: var(--gold-300); flex: 0 0 auto; }

/* Konditionen card */
.kard { background: var(--white); border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid var(--border); }
.kard-top { background: var(--green-700); color: #fff; padding: 26px 30px 30px; position: relative; overflow: hidden; }
.kard-top::after { content: ""; position: absolute; right: -30px; top: -30px; width: 160px; height: 160px; border-radius: 50%; border: 1px solid rgba(220,199,156,.28); }
.kard-cap { position: relative; z-index: 1; font-family: var(--sans); font-size: .7rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-300); }
.kard-badge { position: relative; z-index: 1; float: right; font-family: var(--sans); font-size: .68rem; font-weight: 600; color: var(--green-800); background: var(--gold-300); padding: 5px 12px; border-radius: var(--radius-pill); }
.kard-rate { position: relative; z-index: 1; font-family: var(--display); font-size: 3.6rem; font-weight: 600; line-height: 1; margin: 14px 0 6px; letter-spacing: -.02em; }
.kard-rate-sub { position: relative; z-index: 1; font-size: .84rem; color: rgba(255,255,255,.78); margin: 0; max-width: 32ch; }
.kard-body { padding: 10px 30px 8px; }
.kard-row { display: flex; align-items: center; justify-content: space-between; padding: 15px 0; border-bottom: 1px solid var(--border); }
.kard-row:last-child { border-bottom: 0; }
.kard-row .k { font-size: .9rem; color: var(--muted); }
.kard-row .v { font-family: var(--display); font-size: 1.15rem; font-weight: 600; color: var(--heading); }
.kard-foot { padding: 8px 30px 26px; }
.kard-foot .btn { width: 100%; }

/* ==========================================================================
   Trust strip
   ========================================================================== */
.strip { background: var(--white); border-bottom: 1px solid var(--border); }
.strip .container { padding: 26px 24px; display: flex; align-items: center; gap: 28px; flex-wrap: wrap; justify-content: center; text-align: center; }
.strip .strip-line { font-size: .92rem; color: var(--body); font-weight: 500; }
.strip .pills { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; }
.pill { display: inline-flex; align-items: center; gap: 8px; padding: 9px 17px; border: 1px solid var(--border); border-radius: var(--radius-pill); color: var(--green-700); font-weight: 600; font-size: .82rem; background: var(--sand); }
.pill svg { color: var(--gold-600); }
@media (max-width: 720px) { .strip .container { flex-direction: column; gap: 16px; } }

/* ==========================================================================
   Feature cards
   ========================================================================== */
.feat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.feat { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 30px 26px; box-shadow: var(--shadow-sm); transition: box-shadow .22s, transform .22s, border-color .22s; }
.feat:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: var(--gold-300); }
.feat .ic { width: 50px; height: 50px; border-radius: 12px; background: var(--sand); color: var(--green-600); display: grid; place-items: center; margin-bottom: 18px; }
.feat h3 { margin-bottom: 9px; font-size: 1.25rem; }
.feat p { margin: 0; font-size: .93rem; }

/* ==========================================================================
   Metrics band (emerald)
   ========================================================================== */
.metrics { background: var(--green-800); color: #fff; position: relative; overflow: hidden; }
.metrics::before { content: ""; position: absolute; inset: 0; background: radial-gradient(680px 300px at 82% -40%, rgba(192,161,107,.18), transparent 62%); }
.metrics .container { position: relative; padding: 64px 24px; }
.metrics-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; }
.metric { text-align: center; padding: 0 26px; border-left: 1px solid rgba(255,255,255,.12); }
.metric:first-child { border-left: 0; }
.metric .big { font-family: var(--display); font-size: 3.4rem; font-weight: 600; color: #fff; letter-spacing: -.02em; }
.metric .big .u { color: var(--gold-300); }
.metric .lbl { color: rgba(255,255,255,.72); font-size: .95rem; margin-top: 4px; }
.metric { opacity: 0; transform: translateY(16px); transition: opacity .7s cubic-bezier(.22,.61,.36,1), transform .7s cubic-bezier(.22,.61,.36,1); }
.metric:nth-child(2) { transition-delay: .12s; }
.metric:nth-child(3) { transition-delay: .24s; }
.is-visible .metric { opacity: 1; transform: none; }

/* ==========================================================================
   Solutions grid + cards (clickable)
   ========================================================================== */
.sol-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.sol-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); overflow: hidden; transition: box-shadow .25s, transform .25s, border-color .25s; }
.sol-card:hover { box-shadow: var(--shadow-md); transform: translateY(-5px); border-color: var(--gold-300); }
.sol-media { position: relative; height: 220px; overflow: hidden; background: var(--green-100); }
.sol-media img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .5s ease; }
.sol-card:hover .sol-media img { transform: scale(1.05); }
.sol-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(6,35,26,0) 45%, rgba(6,35,26,.42) 100%); }
.sol-ic { position: absolute; left: 18px; bottom: 18px; z-index: 1; width: 46px; height: 46px; border-radius: 12px; background: rgba(255,255,255,.95); color: var(--green-700); display: grid; place-items: center; box-shadow: 0 8px 20px -8px rgba(6,35,26,.6); }
.sol-body { padding: 26px 28px 28px; display: flex; flex-direction: column; flex: 1; }
.sol-eyebrow { font-family: var(--sans); font-size: .72rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-700); margin-bottom: 8px; }
.sol-body h3 { font-size: 1.5rem; margin-bottom: 8px; }
.sol-body p { font-size: .95rem; margin: 0 0 20px; }
.sol-link { margin-top: auto; font-weight: 600; color: var(--green-600); font-size: .92rem; display: inline-flex; align-items: center; gap: 7px; }
.sol-link:hover { gap: 11px; color: var(--green-700); }

/* ==========================================================================
   Solution detail page
   ========================================================================== */
.sol-hero { position: relative; overflow: hidden; background: var(--green-800); color: #fff; }
.sol-hero-bg, .sol-hero-bg img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.sol-hero-veil { position: absolute; inset: 0; z-index: 1; background: linear-gradient(90deg, rgba(6,35,26,.92) 0%, rgba(6,35,26,.72) 55%, rgba(6,35,26,.42) 100%); }
.sol-hero .container { position: relative; z-index: 2; padding: 84px 24px; max-width: 900px; }
.sol-hero .back { display: inline-flex; align-items: center; gap: 7px; color: var(--gold-300); font-size: .86rem; font-weight: 500; margin-bottom: 22px; }
.sol-hero .back:hover { color: #fff; }
.sol-hero .eyebrow { color: var(--gold-300); }
.sol-hero .eyebrow::before { background: var(--gold-300); }
.sol-hero h1 { color: #fff; max-width: 16ch; margin-bottom: 20px; }
.sol-hero .lead { color: rgba(255,255,255,.88); max-width: 620px; margin-bottom: 30px; }
.sol-hero .btn { }

.sol-intro { max-width: 780px; margin: 0 auto; }
.sol-intro p { font-size: 1.16rem; line-height: 1.85; color: var(--body); }

.benefit-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.benefit { display: flex; gap: 16px; align-items: flex-start; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow-sm); }
.benefit .bi { flex: 0 0 auto; width: 40px; height: 40px; border-radius: 10px; background: var(--sand); color: var(--gold-700); display: grid; place-items: center; }
.benefit h3 { font-size: 1.22rem; margin-bottom: 6px; }
.benefit p { margin: 0; font-size: .93rem; }

.cond-panel { max-width: 900px; margin: 0 auto; background: var(--green-800); color: #fff; border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); padding: 12px 40px; }
.cond-row { display: grid; grid-template-columns: 1fr auto; gap: 16px; padding: 22px 0; border-bottom: 1px solid rgba(255,255,255,.12); align-items: center; }
.cond-row:last-child { border-bottom: 0; }
.cond-row .ck { font-size: .95rem; color: rgba(255,255,255,.74); }
.cond-row .cv { font-family: var(--display); font-size: 1.4rem; font-weight: 600; color: #fff; text-align: right; }
.cond-row .cv.gold { color: var(--gold-300); }

.steps-line { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step-b { position: relative; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 30px 28px; box-shadow: var(--shadow-sm); }
.step-num { font-family: var(--display); font-weight: 600; font-size: 2.4rem; color: var(--gold-500); line-height: 1; margin-bottom: 14px; }
.step-b h3 { font-size: 1.25rem; margin-bottom: 8px; }
.step-b p { margin: 0; font-size: .95rem; }

/* ==========================================================================
   Process (home)
   ========================================================================== */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.step { position: relative; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 32px 28px; box-shadow: var(--shadow-sm); }
.step-index { width: 54px; height: 54px; border-radius: 50%; background: var(--green-600); color: #fff; font-family: var(--display); font-weight: 600; font-size: 1.5rem; display: grid; place-items: center; box-shadow: var(--shadow-green); margin-bottom: 20px; }
.step h3 { margin-bottom: 8px; }
.step p { margin: 0; font-size: .96rem; }
.step .con { position: absolute; top: 56px; right: -14px; z-index: 2; color: var(--gold-300); }
.step:last-child .con { display: none; }

/* ==========================================================================
   Representative example
   ========================================================================== */
.rex { max-width: 980px; margin: 0 auto; display: grid; grid-template-columns: .9fr 1.1fr; gap: 0; border: 1px solid var(--border); border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-md); background: #fff; }
.rex-monthly { background: var(--green-800); color: #fff; padding: 46px 40px; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.rex-monthly::after { content: ""; position: absolute; right: -40px; bottom: -40px; width: 180px; height: 180px; border-radius: 50%; border: 1px solid rgba(220,199,156,.22); }
.rex-monthly .k { position: relative; font-family: var(--sans); font-size: .74rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-300); }
.rex-monthly .v { position: relative; font-family: var(--display); font-weight: 600; font-size: 3.4rem; line-height: 1.02; margin: 12px 0 8px; letter-spacing: -.02em; }
.rex-monthly .s { position: relative; font-size: .9rem; color: rgba(255,255,255,.74); }
.rex-rows { padding: 40px; display: flex; flex-direction: column; justify-content: center; }
.rex-row { display: flex; align-items: center; justify-content: space-between; padding: 15px 0; border-bottom: 1px solid var(--border); }
.rex-row:last-child { border-bottom: 0; }
.rex-row .rk { font-size: .95rem; color: var(--body); }
.rex-row .rv { font-family: var(--display); font-weight: 600; font-size: 1.24rem; color: var(--heading); }
.rex-row .rv.gold { color: var(--gold-700); }
.rex-row.total .rk { font-weight: 600; color: var(--heading); }
.rex-row.total .rv { font-size: 1.5rem; color: var(--green-700); }
.rex-note { max-width: 980px; margin: 18px auto 0; font-size: .82rem; color: var(--muted); line-height: 1.65; }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 30px 28px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; transition: box-shadow .22s, transform .22s; }
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testi-card .stars { display: flex; gap: 3px; color: var(--gold-500); margin-bottom: 16px; }
.testi-card .quote { font-family: var(--display); font-size: 1.3rem; line-height: 1.5; color: var(--heading); margin-bottom: 22px; flex: 1; }
.testi-card .who { display: flex; align-items: center; gap: 13px; }
.testi-card .av { width: 48px; height: 48px; border-radius: 50%; overflow: hidden; background: var(--green-100); flex: 0 0 auto; }
.testi-card .av img { width: 100%; height: 100%; object-fit: cover; display: block; }
.testi-card .who b { display: block; color: var(--heading); font-size: .95rem; font-family: var(--sans); font-weight: 600; }
.testi-card .who span { display: block; color: var(--muted); font-size: .82rem; }

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq { max-width: 840px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-lg); background: #fff; margin-bottom: 14px; overflow: hidden; box-shadow: var(--shadow-sm); }
.faq-q { display: flex; align-items: center; justify-content: space-between; gap: 16px; width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 22px 26px; font: inherit; font-family: var(--display); font-weight: 600; font-size: 1.3rem; color: var(--heading); }
.faq-q .ic { flex: 0 0 auto; width: 28px; height: 28px; border-radius: 50%; background: var(--sand); color: var(--green-600); display: grid; place-items: center; transition: transform .25s, background .2s, color .2s; }
.faq-item.open .faq-q .ic { transform: rotate(45deg); background: var(--green-600); color: #fff; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a p { margin: 0; padding: 0 26px 24px; color: var(--body); font-size: .98rem; line-height: 1.75; }

/* ==========================================================================
   CTA band
   ========================================================================== */
.cta-band { background: var(--green-800); border-radius: var(--radius-xl); padding: 64px; text-align: center; color: #fff; box-shadow: var(--shadow-lg); position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(560px 240px at 50% -30%, rgba(192,161,107,.22), transparent 64%); }
.cta-band > * { position: relative; }
.cta-band .eyebrow { color: var(--gold-300); justify-content: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.84); max-width: 560px; margin: 0 auto 28px; }

/* ==========================================================================
   About
   ========================================================================== */
.about-story { display: grid; gap: 34px; max-width: 820px; margin: 0 auto; }
.about-block { display: grid; grid-template-columns: 52px 1fr; gap: 22px; align-items: start; }
.about-block .idx { font-family: var(--display); font-weight: 600; font-size: 1.7rem; color: var(--gold-600); }
.about-block h3 { font-size: 1.5rem; margin-bottom: 10px; }
.about-block p { font-size: 1.05rem; line-height: 1.8; margin: 0; }
.values-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.value { text-align: center; padding: 32px 18px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.value .vic { width: 52px; height: 52px; border-radius: 14px; background: var(--sand); color: var(--green-600); display: grid; place-items: center; margin: 0 auto 16px; }
.value b { color: var(--heading); font-family: var(--display); font-weight: 600; font-size: 1.25rem; }

/* ==========================================================================
   Ratgeber
   ========================================================================== */
.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.article-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); transition: box-shadow .22s, transform .22s; display: flex; flex-direction: column; }
.article-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.article-card .cover { height: 210px; background: var(--green-100); background-size: cover; background-position: center; }
.article-card .body { padding: 26px; display: flex; flex-direction: column; flex: 1; }
.article-card .meta { font-family: var(--sans); font-size: .74rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-700); font-weight: 600; margin-bottom: 10px; }
.article-card h3 { font-size: 1.4rem; margin-bottom: 10px; line-height: 1.2; }
.article-card p { font-size: .94rem; margin-bottom: 18px; }
.article-card .sol-link { margin-top: auto; }
.article { max-width: 760px; margin: 0 auto; }
.article .meta { font-family: var(--sans); font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-700); font-weight: 600; margin-bottom: 14px; }
.article h1 { margin-bottom: 22px; }
.article .article-cover { height: 360px; border-radius: var(--radius-lg); background: var(--green-100); background-size: cover; background-position: center; margin: 0 0 36px; box-shadow: var(--shadow-sm); }
.article .article-body p { font-size: 1.1rem; color: var(--body); margin-bottom: 1.4rem; line-height: 1.85; }
.article-back { display: inline-flex; align-items: center; gap: 7px; margin-top: 20px; font-weight: 600; }

/* ==========================================================================
   Forms
   ========================================================================== */
.form-wrap { max-width: 720px; margin: 0 auto; }
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-xl); box-shadow: var(--shadow-md); padding: 40px; }
.field { margin-bottom: 22px; }
.field label { display: block; font-weight: 600; color: var(--heading); font-size: .92rem; margin-bottom: 8px; }
.field .hint { font-size: .82rem; color: var(--muted); margin-top: 6px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.input, .select, .textarea { width: 100%; font: inherit; font-size: 1rem; color: var(--heading); background: var(--sand); border: 1px solid var(--border); border-radius: var(--radius); padding: 14px 16px; transition: border-color .15s, box-shadow .15s, background .15s; }
.input::placeholder, .textarea::placeholder { color: var(--muted); }
.input:focus, .select:focus, .textarea:focus { outline: none; border-color: var(--gold-500); background: #fff; box-shadow: var(--ring); }
.textarea { min-height: 120px; resize: vertical; }
.input.err, .select.err, .textarea.err { border-color: #C0533E; background: #FBEFEC; }
.err-msg { color: #B0402C; font-size: .84rem; margin-top: 6px; }
.consent { display: flex; align-items: flex-start; gap: 12px; }
.consent input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--green-600); flex: 0 0 auto; }
.consent label { font-weight: 400; color: var(--body); font-size: .9rem; line-height: 1.55; margin: 0; }
.secure-note { display: flex; align-items: center; gap: 8px; color: var(--muted); font-size: .85rem; margin-top: 16px; justify-content: center; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.alert { border-radius: var(--radius); padding: 14px 18px; font-size: .95rem; margin-bottom: 22px; }
.alert--ok { background: #ECF7EF; color: #1C6B4F; border: 1px solid #C6E3D0; }
.alert--err { background: #FBEFEC; color: #A63A25; border: 1px solid #EAC8BE; }

/* Success page */
.success-wrap { max-width: 600px; margin: 0 auto; text-align: center; }
.success-badge { width: 84px; height: 84px; border-radius: 50%; background: var(--sand); color: var(--green-600); display: grid; place-items: center; margin: 0 auto 26px; box-shadow: var(--shadow-sm); }
.success-ref-box { display:inline-flex; flex-direction:column; align-items:center; gap:6px; background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); padding:22px 44px; margin:6px auto 18px; box-shadow:var(--shadow-sm); }
.success-ref-box .srb-label { font-size:.76rem; text-transform:uppercase; letter-spacing:.12em; color:var(--muted); }
.success-ref-box .srb-value { font-family:var(--display); font-size:1.8rem; font-weight:600; color:var(--green-700); letter-spacing:.04em; }
.success-ref-note { max-width:480px; margin:0 auto 30px; font-size:.9rem; color:var(--muted); line-height:1.65; }

/* Contact info card */
.contact-info { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 40px; max-width: 720px; margin-left: auto; margin-right: auto; }
.ci-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; text-align: center; box-shadow: var(--shadow-sm); }
.ci-card .cic { width: 44px; height: 44px; border-radius: 12px; background: var(--sand); color: var(--green-600); display: grid; place-items: center; margin: 0 auto 14px; }
.ci-card .cl { font-size: .74rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin-bottom: 4px; }
.ci-card .cv { font-weight: 600; color: var(--heading); font-size: .95rem; word-break: break-word; }
.ci-card a { color: var(--heading); }
.ci-card a:hover { color: var(--green-600); }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--green-900); color: #A7BCB2; padding: 70px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 46px; }
.footer-brand { margin-bottom: 16px; }
.footer-brand .brand-word { color: #fff; }
.footer-brand .brand-word small { color: var(--gold-300); }
.site-footer h4 { color: #fff; font-family: var(--sans); font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 16px; }
.site-footer a { color: #A7BCB2; display: block; padding: 5px 0; font-size: .94rem; }
.site-footer a:hover { color: #fff; }
.footer-tagline { max-width: 340px; font-size: .95rem; line-height: 1.7; color: #A7BCB2; margin-bottom: 18px; }
.footer-contact { list-style: none; margin: 0; padding: 0; }
.footer-contact li { padding: 4px 0; font-size: .92rem; color: #A7BCB2; }
.footer-contact a { display: inline; padding: 0; color: #A7BCB2; }
.footer-contact a:hover { color: #fff; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 8px; padding-top: 24px; }
.footer-legal h4 { color: #fff; margin-bottom: 12px; }
.footer-legal-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 4px 34px; }
.footer-legal-grid p { margin: 0; font-size: .8rem; line-height: 1.65; color: #93A99F; }
.footer-legal-grid p span { color: var(--gold-500); margin-right: 6px; }
.footer-notice { border-top: 1px solid rgba(255,255,255,.1); margin-top: 8px; padding-top: 20px; font-size: .8rem; color: #7E948A; line-height: 1.6; }
.footer-bottom { padding-top: 22px; display: flex; justify-content: flex-start; gap: 24px; flex-wrap: wrap; font-size: .82rem; color: #7E948A; }
@media (max-width: 720px) { .footer-legal-grid { grid-template-columns: 1fr; } }

/* Cookie banner */
.cookie { position: fixed; left: 50%; bottom: 22px; transform: translateX(-50%); z-index: 90; width: min(920px, calc(100% - 32px)); background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 20px 24px; display: flex; align-items: center; gap: 20px; }
.cookie.hidden { display: none; }
.cookie p { margin: 0; font-size: .9rem; color: var(--body); flex: 1; }
.cookie .cookie-actions { display: flex; gap: 10px; flex: 0 0 auto; }
.cookie .btn { padding: 12px 22px; font-size: .9rem; }

/* Legal page body */
.legal-page { max-width: 780px; margin: 0 auto; }
.legal-page h1 { margin-bottom: 26px; }
.legal-page .article-body p { font-size: 1.02rem; color: var(--body); margin-bottom: 1.2rem; line-height: 1.8; }

/* Scroll reveal */
[data-reveal] { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; transition-delay: var(--d, 0ms); will-change: opacity, transform; }
[data-reveal].in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { [data-reveal] { opacity: 1; transform: none; transition: none; } }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1000px) {
    .hero-grid { grid-template-columns: 1fr; gap: 44px; }
    .kard { max-width: 480px; }
    .feat-grid { grid-template-columns: repeat(2, 1fr); }
    .steps, .steps-line { grid-template-columns: 1fr; gap: 20px; }
    .step .con, .step-b .con { display: none; }
    .sol-grid { grid-template-columns: 1fr; }
    .benefit-grid { grid-template-columns: 1fr; }
    .testi-grid { grid-template-columns: 1fr; }
    .article-grid { grid-template-columns: 1fr; max-width: 480px; margin-left:auto; margin-right:auto; }
    .rex { grid-template-columns: 1fr; max-width: 540px; }
    .values-row { grid-template-columns: repeat(2, 1fr); }
    .contact-info { grid-template-columns: 1fr; max-width: 480px; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
    .section { padding: 66px 0; }
    .nav-links, .nav-right > .btn { display: none; }
    .nav-toggle { display: inline-flex; }
    .nav-links.open { display: flex; position: absolute; top: 78px; left: 0; right: 0; background: #fff; flex-direction: column; padding: 16px 24px; border-bottom: 1px solid var(--border); gap: 6px; }
    .nav-links.open a { padding: 10px 0; }
    .nav-links.open .nav-item { display: block; }
    .nav-links.open .dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 4px 0 4px 12px; min-width: 0; }
    .feat-grid, .field-row, .values-row, .metrics-grid, .contact-info { grid-template-columns: 1fr; }
    .metric { border-left: 0; padding: 16px 0; }
    .cta-band { padding: 44px 24px; }
    .form-card { padding: 26px; }
    .footer-grid { grid-template-columns: 1fr; }
    .cookie { flex-direction: column; align-items: stretch; text-align: center; }
    .cookie .cookie-actions { justify-content: center; }
    .cond-panel { padding: 8px 24px; }
    .cond-row .cv { font-size: 1.15rem; }
}
@media (prefers-reduced-motion: reduce) {
    * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
    .metric { opacity: 1; transform: none; }
}