/* Jost – lokal eingebunden (SIL Open Font License) */
@font-face { font-family: "Jost"; font-style: normal; font-weight: 300 600; font-display: swap; src: url("../fonts/jost-latin.woff2") format("woff2"); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Jost"; font-style: normal; font-weight: 300 600; font-display: swap; src: url("../fonts/jost-latin-ext.woff2") format("woff2"); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF; }
@font-face { font-family: "Jost"; font-style: italic; font-weight: 400; font-display: swap; src: url("../fonts/jost-italic-latin.woff2") format("woff2"); unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Jost"; font-style: italic; font-weight: 400; font-display: swap; src: url("../fonts/jost-italic-latin-ext.woff2") format("woff2"); unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C4, U+2113, U+2C60-2C7F, U+A720-A7FF; }

:root {
  --green-900: #062b1a;
  --green-800: #0a3d25;
  --green-700: #0f5132;
  --green-600: #17673f;
  --gold: #d9b85c;
  --gold-light: #f0d98c;
  --gold-dark: #a8862f;
  --cream: #f7f3e8;
  --text-light: #eef3ee;
  --text-muted: #b9cbbd;
  --ink: #10251a;
  --radius: 4px;
  --max: 1120px;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Jost", "Futura", "Century Gothic", sans-serif;
  font-weight: 400;
  background: var(--green-900);
  color: var(--text-light);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

/* Grüner Aquarell-Hintergrund wie auf der Karte */
.velvet {
  position: relative;
  background:
    radial-gradient(ellipse 60% 50% at 20% 30%, rgba(40,130,80,.45), transparent 70%),
    radial-gradient(ellipse 50% 60% at 80% 70%, rgba(20,95,55,.55), transparent 70%),
    radial-gradient(ellipse 40% 40% at 60% 20%, rgba(60,150,95,.25), transparent 70%),
    linear-gradient(160deg, var(--green-700), var(--green-800) 55%, var(--green-900));
  isolation: isolate;
}
.velvet::before {
  content: "";
  position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.012' numOctaves='4' seed='7'/%3E%3CfeColorMatrix values='0 0 0 0 0  0 0 0 0 .25  0 0 0 0 .12  0 0 0 .55 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  background-size: 600px 600px;
  mix-blend-mode: soft-light;
  opacity: .9;
  z-index: -1;
  pointer-events: none;
}

/* Goldene Linien */
.gold-lines {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  pointer-events: none;
  z-index: 0;
}
.gold-lines line { stroke: url(#goldGrad); stroke-width: 2.2; vector-effect: non-scaling-stroke; }

.gold-text {
  background: linear-gradient(100deg, var(--gold-dark), var(--gold-light) 40%, var(--gold) 60%, var(--gold-dark));
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
}

/* Ornament-Trenner wie auf der Karte */
.divider {
  display: flex; align-items: center; justify-content: center; gap: 0;
  margin: 22px auto;
  width: 220px;
}
.divider::before, .divider::after {
  content: ""; flex: 1; height: 1.5px; background: var(--gold);
}
.divider span {
  width: 11px; height: 11px; border: 1.5px solid var(--gold);
  transform: rotate(45deg); margin: 0 6px; position: relative;
}
.divider span::after {
  content: ""; position: absolute; inset: 2.5px; background: var(--gold);
}

/* Navigation */
header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 50;
  transition: background .3s, box-shadow .3s;
}
header.scrolled { background: rgba(6,43,26,.92); backdrop-filter: blur(8px); box-shadow: 0 1px 0 rgba(217,184,92,.35); }
nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.logo { display: flex; align-items: center; gap: 12px; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; font-size: 15px; }
.logo svg { width: 34px; height: 34px; }
.nav-links { display: flex; align-items: center; gap: 26px; font-size: 15px; letter-spacing: .04em; }
.nav-links a { color: var(--text-muted); transition: color .2s; }
.nav-links a:hover { color: var(--gold-light); }
.nav-cta {
  background: linear-gradient(135deg, var(--gold-light), var(--gold) 55%, var(--gold-dark));
  color: var(--green-900) !important; font-weight: 500;
  padding: 9px 18px; border-radius: 6px; white-space: nowrap;
  transition: filter .2s, box-shadow .2s;
}
.nav-cta:hover { filter: brightness(1.06); box-shadow: 0 4px 14px rgba(0,0,0,.25); }
.menu-btn { display: none; background: none; border: 0; color: var(--gold); cursor: pointer; padding: 6px; }

/* Hero */
.hero { min-height: 100vh; display: flex; align-items: center; text-align: center; padding: 120px 0 80px; overflow: hidden; }
.hero .wrap { position: relative; z-index: 1; }
.eyebrow { font-style: italic; color: var(--text-light); font-size: 20px; letter-spacing: .02em; }
.hero h1 {
  font-weight: 400; text-transform: uppercase; letter-spacing: .06em;
  font-size: clamp(40px, 7vw, 84px); line-height: 1.05; margin-bottom: 12px;
}
.hero p.lead { max-width: 640px; margin: 0 auto; font-size: clamp(17px, 2vw, 20px); color: var(--text-muted); font-weight: 300; }
.hero-actions { margin-top: 40px; display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.btn {
  display: inline-block; padding: 15px 30px; border-radius: var(--radius);
  font-weight: 500; letter-spacing: .06em; font-size: 15px; text-transform: uppercase;
  transition: transform .2s, background .2s, color .2s, box-shadow .2s;
}
.btn-gold { background: linear-gradient(135deg, var(--gold-light), var(--gold) 50%, var(--gold-dark)); color: var(--green-900); box-shadow: 0 8px 24px rgba(0,0,0,.25); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(0,0,0,.35); }
.btn-ghost { border: 1.5px solid var(--gold); color: var(--gold-light); }
.btn-ghost:hover { background: rgba(217,184,92,.12); }

.badges { margin-top: 56px; display: flex; gap: 32px; justify-content: center; flex-wrap: wrap; color: var(--text-muted); font-size: 15px; }
.badges div { display: flex; align-items: center; gap: 8px; }
.badges svg { width: 18px; height: 18px; color: var(--gold); flex-shrink: 0; }

/* Sections */
section { padding: 110px 0; position: relative; }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 60px; position: relative; z-index: 1; }
.kicker { font-style: italic; color: var(--gold); font-size: 18px; }
h2 { font-weight: 400; text-transform: uppercase; letter-spacing: .06em; font-size: clamp(28px, 4vw, 42px); line-height: 1.15; margin-top: 6px; }
.section-head p { color: var(--text-muted); font-size: 18px; font-weight: 300; }

/* Helle Sektion */
.light { background: var(--cream); color: var(--ink); }
.light .section-head p { color: #4a5e50; }
.light h2 { color: var(--green-800); }
.light .kicker { color: var(--gold-dark); }
.light .divider::before, .light .divider::after { background: var(--gold-dark); }
.light .divider span { border-color: var(--gold-dark); }
.light .divider span::after { background: var(--gold-dark); }

.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; position: relative; z-index: 1; }
.compare-card { padding: 36px; border-radius: var(--radius); }
.compare-card.them { background: #ebe5d4; color: #5b6a5f; }
.compare-card.us { background: var(--green-800); color: var(--text-light); border: 1.5px solid var(--gold); position: relative; overflow: hidden; }
.compare-card h3 { font-weight: 500; font-size: 20px; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 20px; }
.compare-card.us h3 { color: var(--gold-light); }
.compare-card ul { list-style: none; display: grid; gap: 14px; }
.compare-card li { display: flex; gap: 12px; align-items: flex-start; }
.compare-card li svg { width: 20px; height: 20px; flex-shrink: 0; margin-top: 3px; }
.compare-card.them li svg { color: #a08a7a; }
.compare-card.us li svg { color: var(--gold); }

/* Über uns */
.light.alt { background: #efe8d6; border-top: 1px solid rgba(168,134,47,.25); }
.about-grid { display: grid; grid-template-columns: 380px 1fr; gap: 64px; align-items: center; }
.portrait {
  aspect-ratio: 3 / 4; border-radius: var(--radius); position: relative; overflow: hidden;
  background: linear-gradient(160deg, var(--green-700), var(--green-900));
  border: 1.5px solid var(--gold-dark); outline: 1px solid var(--gold-dark); outline-offset: 10px;
  display: grid; place-items: center; margin: 12px;
}
.portrait img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.portrait-name {
  position: absolute; left: 0; right: 0; bottom: 0; padding: 40px 20px 18px; text-align: center;
  background: linear-gradient(transparent, rgba(4,29,17,.92));
}
.portrait-name strong { display: block; font-size: 24px; font-weight: 400; text-transform: uppercase; letter-spacing: .05em; }
.portrait-name span { font-style: italic; color: var(--text-light); font-size: 15px; }
.team-head { text-align: center; margin: 96px auto 40px; }
.team-head h3 { font-weight: 400; text-transform: uppercase; letter-spacing: .06em; font-size: clamp(24px, 3vw, 32px); color: var(--green-800); margin-top: 6px; }
.team { display: flex; justify-content: center; gap: 32px; flex-wrap: wrap; }
.member { width: 300px; max-width: 100%; background: var(--green-900); border: 1px solid var(--gold-dark); border-radius: var(--radius); overflow: hidden; transition: transform .3s, box-shadow .3s; }
.member:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(6,43,26,.25); }
.member img { display: block; width: 100%; aspect-ratio: 3 / 4; object-fit: cover; }
.member figcaption { padding: 16px 18px 20px; text-align: center; color: var(--text-light); border-top: 1.5px solid var(--gold); }
.member strong { display: block; font-weight: 500; text-transform: uppercase; letter-spacing: .05em; color: var(--gold-light); }
.member span { font-size: 14px; font-style: italic; color: var(--text-muted); }
.about-text h2 { margin-bottom: 4px; }
.about-text p { color: #3f5446; font-size: 17px; margin-bottom: 16px; }
.about-text strong { color: var(--green-800); font-weight: 600; }
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 28px 0 22px; }
.values div { border-left: 2px solid var(--gold-dark); padding-left: 14px; }
.values strong { display: block; text-transform: uppercase; letter-spacing: .06em; font-weight: 500; font-size: 15px; }
.values span { font-size: 14px; color: #5f7064; }
.sign { font-style: italic; font-size: 20px; color: var(--gold-dark) !important; margin: 0 !important; }

/* Vermögensaufbau – Säulen */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; position: relative; z-index: 1; }
.pillar { background: #fffcf3; border: 1px solid rgba(168,134,47,.35); border-top: 3px solid var(--gold-dark); padding: 36px 30px; border-radius: var(--radius); }
.pillar .num { font-size: 14px; letter-spacing: .2em; color: var(--gold-dark); }
.pillar h3 { font-weight: 500; font-size: 21px; text-transform: uppercase; letter-spacing: .05em; color: var(--green-800); margin: 10px 0 10px; }
.pillar p { color: #4a5e50; font-weight: 400; }
.quote { text-align: center; margin: 64px auto 0; max-width: 760px; font-style: italic; font-size: clamp(22px, 3vw, 30px); color: var(--green-800); line-height: 1.35; position: relative; z-index: 1; }
.quote span { color: var(--gold-dark); }

/* ETF-Polizze */
.etf-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; position: relative; z-index: 1; }
.etf-text h3 { font-weight: 500; font-size: 24px; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 14px; }
.etf-text > p { color: var(--text-muted); font-weight: 300; font-size: 17px; margin-bottom: 24px; }
.checks { list-style: none; display: grid; gap: 14px; }
.checks li { display: flex; gap: 12px; align-items: flex-start; }
.checks svg { width: 20px; height: 20px; color: var(--gold); flex-shrink: 0; margin-top: 3px; }
.tax-box { border: 1.5px solid var(--gold); border-radius: var(--radius); background: rgba(6,43,26,.6); padding: 40px 32px; text-align: center; }
.tax-row { display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 12px; }
.tax-row .old { font-size: clamp(40px, 6vw, 60px); font-weight: 300; color: var(--text-muted); text-decoration: line-through; text-decoration-color: var(--gold); text-decoration-thickness: 2px; }
.tax-row .new { font-size: clamp(56px, 9vw, 92px); font-weight: 400; line-height: 1; }
.tax-row .arrow { color: var(--gold); font-size: 28px; }
.tax-box .label { text-transform: uppercase; letter-spacing: .14em; font-size: 15px; margin-top: 14px; }
.tax-box .sub { color: var(--text-muted); font-size: 14px; margin-top: 4px; }
.fineprint { margin-top: 36px; font-size: 13px; color: var(--text-muted); opacity: .85; max-width: 900px; position: relative; z-index: 1; }

/* Leistungen */
.services { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; position: relative; z-index: 1; }
.service {
  background: rgba(6,43,26,.55); border: 1px solid rgba(217,184,92,.45);
  padding: 40px 32px; border-radius: var(--radius); position: relative;
  transition: transform .3s, border-color .3s;
}
.service:hover { transform: translateY(-4px); border-color: var(--gold); }
.service .num { font-size: 15px; letter-spacing: .2em; color: var(--gold); margin-bottom: 18px; }
.service .icon { width: 56px; height: 56px; border: 1.5px solid var(--gold); transform: rotate(45deg); display: grid; place-items: center; margin: 8px 0 30px 8px; }
.service .icon svg { transform: rotate(-45deg); width: 26px; height: 26px; color: var(--gold-light); }
.service h3 { font-weight: 500; font-size: 22px; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 12px; }
.service p { color: var(--text-muted); font-weight: 300; }
.service ul { list-style: none; margin-top: 18px; display: grid; gap: 8px; font-size: 15px; }
.service li::before { content: "◆"; color: var(--gold); font-size: 9px; margin-right: 10px; vertical-align: 2px; }

/* Ersparnis */
.savings { text-align: center; overflow: hidden; }
.savings .wrap { position: relative; z-index: 1; }
.big-number { font-size: clamp(88px, 16vw, 180px); font-weight: 300; line-height: 1; letter-spacing: -.02em; }
.big-number small { font-size: .35em; vertical-align: .9em; margin-left: 6px; }
.savings .label { font-size: clamp(18px, 2.4vw, 24px); text-transform: uppercase; letter-spacing: .14em; margin-top: 8px; }
.savings p.note { color: var(--text-muted); max-width: 620px; margin: 28px auto 0; font-weight: 300; font-size: 17px; }
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 64px; border-top: 1px solid rgba(217,184,92,.4); }
.stat { padding: 30px 16px 0; }
.stat + .stat { border-left: 1px solid rgba(217,184,92,.4); }
.stat strong { display: block; font-size: 34px; font-weight: 400; color: var(--gold-light); }
.stat span { color: var(--text-muted); font-size: 15px; }

/* Versicherungsbereiche */
.areas { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(15,81,50,.25); border: 1px solid rgba(15,81,50,.25); position: relative; z-index: 1; }
.area { background: var(--cream); padding: 30px 24px; text-align: center; transition: background .25s; }
.area:hover { background: #fffcf3; }
.area svg { width: 34px; height: 34px; color: var(--gold-dark); margin-bottom: 12px; }
.area h4 { font-weight: 500; color: var(--green-800); font-size: 17px; letter-spacing: .02em; }
.area p { font-size: 14px; color: #5f7064; margin-top: 4px; }

/* Ablauf */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; z-index: 1; counter-reset: step; }
.step { text-align: center; padding: 0 8px; }
.step .dot {
  width: 64px; height: 64px; margin: 0 auto 22px; border-radius: 50%;
  border: 1.5px solid var(--gold); display: grid; place-items: center;
  font-size: 24px; color: var(--gold-light); background: var(--green-900);
  position: relative;
}
.step h4 { font-weight: 500; text-transform: uppercase; letter-spacing: .06em; font-size: 17px; margin-bottom: 8px; }
.step p { color: var(--text-muted); font-size: 15px; font-weight: 300; }
.steps-line { position: absolute; top: 32px; left: 12.5%; right: 12.5%; height: 1.5px; background: linear-gradient(90deg, transparent, var(--gold), transparent); z-index: -1; }

/* Kontakt – Visitenkarte */
.contact { overflow: hidden; }
.contact-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 64px; align-items: center; position: relative; z-index: 1; }
.contact-text h2 { margin-bottom: 18px; }
.contact-text p { color: var(--text-muted); font-weight: 300; font-size: 18px; margin-bottom: 30px; }
.card {
  aspect-ratio: 85 / 55; border-radius: 6px; position: relative; overflow: hidden;
  box-shadow: 0 30px 60px rgba(0,0,0,.45), 0 0 0 1px rgba(217,184,92,.25);
  display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center;
  padding: 24px; transform: rotate(-3deg); transition: transform .4s;
}
.card:hover { transform: rotate(0deg) scale(1.02); }
.card .content { position: relative; z-index: 1; }
.card .name { font-size: clamp(22px, 3vw, 32px); text-transform: uppercase; letter-spacing: .03em; }
.card .role { font-style: italic; font-size: clamp(14px, 1.7vw, 18px); }
.card .divider { margin: 14px auto; width: 160px; }
.card .info { font-size: clamp(13px, 1.5vw, 16px); line-height: 1.5; }
.card .info a:hover { color: var(--gold-light); }

.contact-list { list-style: none; display: grid; gap: 16px; }
.contact-list a { display: flex; align-items: center; gap: 14px; font-size: 18px; transition: color .2s; }
.contact-list a:hover { color: var(--gold-light); }
.contact-list .ic { width: 44px; height: 44px; border: 1.5px solid var(--gold); border-radius: 50%; display: grid; place-items: center; flex-shrink: 0; }
.contact-list svg { width: 20px; height: 20px; color: var(--gold); }

footer { background: #041d11; border-top: 1px solid rgba(217,184,92,.35); padding: 36px 0; color: var(--text-muted); font-size: 14px; }
footer .wrap { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
footer a:hover { color: var(--gold-light); }
footer nav { height: auto; gap: 24px; }

/* Reveal */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .8s ease, transform .8s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* Responsive */
@media (max-width: 960px) {
  .services, .compare, .pillars, .etf-grid, .about-grid { grid-template-columns: 1fr; }
  .portrait { max-width: 320px; width: calc(100% - 24px); margin: 12px auto; }
  .values { grid-template-columns: 1fr; }
  .areas { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 44px; }
  .steps-line { display: none; }
  .contact-grid { grid-template-columns: 1fr; gap: 56px; }
  .card { max-width: 460px; width: 100%; margin: 0 auto; }
}
@media (max-width: 900px) {
  .wrap { padding: 0 16px; }
  .nav-links {
    position: fixed; top: 76px; left: 0; right: 0; flex-direction: column; gap: 0;
    background: rgba(6,43,26,.97); border-bottom: 1px solid rgba(217,184,92,.35);
    display: none; padding: 8px 16px 20px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 14px 0; border-bottom: 1px solid rgba(217,184,92,.15); }
  .nav-cta { text-align: center; margin-top: 14px; border-bottom: 1.5px solid var(--gold) !important; }
  .menu-btn { display: block; }
  section { padding: 80px 0; }
  .stats { grid-template-columns: 1fr; }
  .stat + .stat { border-left: 0; border-top: 1px solid rgba(217,184,92,.25); }
  .stat { padding: 22px 0; }
  .steps { grid-template-columns: 1fr; }
  .compare-card { padding: 28px 22px; }
  .badges { gap: 14px 24px; }
}
@media (max-width: 420px) {
  .areas { grid-template-columns: 1fr; }
}

/* Unterseite: kompakter Seitenkopf */
.page-hero { min-height: 0; padding: 170px 0 100px; text-align: center; overflow: hidden; }
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero h1 { font-weight: 400; text-transform: uppercase; letter-spacing: .06em; font-size: clamp(34px, 6vw, 64px); line-height: 1.1; margin-bottom: 14px; }
.nav-links a.active { color: var(--gold-light); }

/* Kontaktdaten im Team */
.member-contact { list-style: none; margin-top: 12px; display: grid; gap: 4px; font-size: 15px; }
.member-contact a { color: var(--text-light); border-bottom: 1px solid transparent; transition: color .2s, border-color .2s; }
.member-contact a:hover { color: var(--gold-light); border-color: var(--gold); }
.member-contact.dark { margin-top: 26px; font-size: 17px; }
.member-contact.dark a { color: var(--green-800); font-weight: 500; }
.member-contact.dark a:hover { color: var(--gold-dark); border-color: var(--gold-dark); }

/* Zinseszinsrechner */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border: 1.5px solid var(--gold); border-radius: var(--radius); overflow: hidden; position: relative; z-index: 1; }
.calc-form { padding: 36px 32px; display: grid; gap: 24px; background: rgba(6,43,26,.6); }
.field { display: grid; gap: 8px; }
.field > span { font-size: 14px; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-light); }
.field small { text-transform: none; letter-spacing: 0; color: var(--text-muted); }
.input-wrap { display: flex; align-items: center; background: rgba(255,255,255,.06); border: 1px solid rgba(217,184,92,.5); border-radius: var(--radius); transition: border-color .2s, box-shadow .2s; }
.input-wrap:focus-within { border-color: var(--gold-light); box-shadow: 0 0 0 3px rgba(217,184,92,.2); }
.input-wrap input { flex: 1; min-width: 0; background: transparent; border: 0; outline: 0; color: var(--text-light); font: inherit; font-size: 20px; padding: 12px 14px; }
.input-wrap em { font-style: normal; color: var(--text-muted); padding: 0 14px; font-size: 15px; }
.input-wrap input::-webkit-inner-spin-button { opacity: .4; }
.chips { display: flex; gap: 8px; }
.chips button { font: inherit; font-size: 14px; padding: 6px 14px; border-radius: 999px; border: 1px solid var(--gold); background: transparent; color: var(--gold-light); cursor: pointer; transition: background .2s, color .2s; }
.chips button:hover { background: rgba(217,184,92,.15); }
.chips button.on { background: var(--gold); color: var(--green-900); }
input[type="range"] { width: 100%; accent-color: var(--gold); }
.calc-result { padding: 36px 32px; background: var(--cream); color: var(--ink); display: flex; flex-direction: column; justify-content: center; }
.res-label { text-transform: uppercase; letter-spacing: .1em; font-size: 14px; color: #5f7064; }
.calc-result .res-total { font-size: clamp(38px, 5.5vw, 60px); font-weight: 400; line-height: 1.1; margin: 6px 0 22px; background-image: linear-gradient(100deg, #8a6c22, #c9a24a 50%, #8a6c22); }
.res-split { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.res-split span { display: block; font-size: 14px; color: #5f7064; }
.res-split strong { font-size: 22px; font-weight: 500; color: var(--green-800); }
.res-bar { display: flex; height: 12px; border-radius: 6px; overflow: hidden; margin: 18px 0 8px; background: #e6dfcb; gap: 2px; }
.res-bar i { display: block; height: 100%; transition: width .4s ease; }
#r-bar-ein { background: var(--green-700); }
#r-bar-zins { background: var(--gold); }
.res-legend { font-size: 13px; color: #5f7064; display: flex; align-items: center; gap: 6px; }
.res-legend .k { width: 10px; height: 10px; border-radius: 2px; display: inline-block; }
.res-legend .k.zins { margin-left: 12px; background: var(--gold); }
.res-legend .k.ein { background: var(--green-700); }
.velvet .section-head p a { color: var(--gold-light); border-bottom: 1px solid rgba(217,184,92,.6); transition: border-color .2s; }
.velvet .section-head p a:hover { border-color: var(--gold-light); }
#if-bar-rest { background: var(--green-700); }
#if-bar-verlust { background: repeating-linear-gradient(135deg, #c9b98a 0 4px, #e6dfcb 4px 8px); }
.res-legend .k.if-rest { background: var(--green-700); }
.res-legend .k.if-verlust { margin-left: 12px; background: #c9b98a; }
.res-range { margin: 18px 0 24px; font-size: 15px; color: #3f5446; }
.res-range strong { color: var(--green-800); }
.calc-result .btn { align-self: flex-start; }
.calc-table { margin-top: 24px; position: relative; z-index: 1; }
.calc-table summary { cursor: pointer; color: var(--gold-light); letter-spacing: .04em; padding: 8px 0; }
.table-scroll { max-height: 360px; overflow: auto; border: 1px solid rgba(217,184,92,.35); border-radius: var(--radius); margin-top: 10px; }
.calc-table table { width: 100%; border-collapse: collapse; font-size: 15px; font-variant-numeric: tabular-nums; }
.calc-table th, .calc-table td { padding: 10px 14px; text-align: right; border-bottom: 1px solid rgba(217,184,92,.15); white-space: nowrap; }
.calc-table th:first-child, .calc-table td:first-child { text-align: left; }
.calc-table th { position: sticky; top: 0; background: var(--green-900); color: var(--gold-light); font-weight: 500; }

/* Startseite: Überblick */
.overview { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; position: relative; z-index: 1; }
.ov-card { display: flex; flex-direction: column; background: #fffcf3; border: 1px solid rgba(168,134,47,.35); border-top: 3px solid var(--gold-dark); padding: 30px 26px; border-radius: var(--radius); color: var(--ink); transition: transform .25s, box-shadow .25s; }
.ov-card:hover { transform: translateY(-4px); box-shadow: 0 16px 34px rgba(6,43,26,.15); }
.ov-card .num { font-size: 13px; letter-spacing: .2em; color: var(--gold-dark); }
.ov-card h3 { font-weight: 500; font-size: 20px; text-transform: uppercase; letter-spacing: .05em; color: var(--green-800); margin: 8px 0; }
.ov-card p { color: #4a5e50; flex: 1; }
.ov-card .more { margin-top: 18px; color: var(--gold-dark); font-weight: 500; letter-spacing: .04em; }
.ov-card.feature { background: var(--green-800); border-color: var(--gold); color: var(--text-light); }
.ov-card.feature h3 { color: var(--gold-light); }
.ov-card.feature p { color: var(--text-muted); }
.ov-card.feature .more { color: var(--gold-light); }

/* Abschlussband auf Unterseiten */
.cta-band { text-align: center; }
.cta-band .section-head { margin-bottom: 32px; }
.cta-band .hero-actions { margin-top: 0; }

@media (max-width: 960px) {
  .calc { grid-template-columns: 1fr; }
  .overview { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .overview { grid-template-columns: 1fr; }
  .calc-form, .calc-result { padding: 26px 18px; }
  .res-split strong { font-size: 19px; }
}

/* Impressum & Datenschutz */
.legal .wrap { max-width: 820px; }
.legal h2 { margin-bottom: 18px; }
.legal h3 { font-weight: 500; font-size: 18px; text-transform: uppercase; letter-spacing: .05em; color: var(--green-800); margin: 34px 0 8px; }
.legal p { color: #3f5446; margin-bottom: 10px; }
.legal a { color: var(--green-700); text-decoration: underline; text-decoration-color: var(--gold-dark); text-underline-offset: 3px; }
.legal a:hover { color: var(--gold-dark); }
.ph { background: #fbe9a6; color: #5a4300; padding: 1px 6px; border-radius: 3px; font-style: italic; }
.ph-note { background: #fff6d2; border-left: 3px solid var(--gold-dark); padding: 12px 16px; font-size: 15px; margin-bottom: 36px !important; }
.legal-date { margin-top: 36px; font-size: 14px; color: #5f7064 !important; }
.page-hero.small { padding-bottom: 70px; }

/* Ablauf auf hellem Hintergrund */
.light .step h4 { color: var(--green-800); }
.light .step p { color: #3f5446; font-weight: 400; }
.light .step .dot { background: var(--green-800); }

/* Datenschutz: Hinweisbox */
.privacy-box { background: #fffcf3; border: 1px solid rgba(168,134,47,.35); border-left: 3px solid var(--green-700); border-radius: var(--radius); padding: 22px 24px; margin: 6px 0 10px; }
.privacy-box ul { list-style: none; display: grid; gap: 14px; }
.privacy-box li { position: relative; padding-left: 30px; color: #3f5446; }
.privacy-box li::before { content: "✓"; position: absolute; left: 0; top: 0; width: 20px; height: 20px; border-radius: 50%; background: var(--green-700); color: var(--gold-light); font-size: 12px; display: grid; place-items: center; margin-top: 2px; }
.privacy-box strong { color: var(--green-800); font-weight: 600; }

/* WhatsApp-Button unten rechts */
.wa-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 40;
  display: flex; align-items: center; gap: 10px;
  height: 58px; padding: 0 20px 0 16px; border-radius: 999px;
  background: #25d366; color: #fff; font-weight: 500; letter-spacing: .02em;
  box-shadow: 0 10px 28px rgba(0,0,0,.3), 0 0 0 3px rgba(217,184,92,.85);
  transition: transform .2s, box-shadow .2s;
}
.wa-float:hover { transform: translateY(-3px); box-shadow: 0 14px 34px rgba(0,0,0,.35), 0 0 0 3px var(--gold-light); }
.wa-float svg { width: 28px; height: 28px; flex-shrink: 0; }
@media (max-width: 600px) {
  .wa-float { right: 16px; bottom: 16px; width: 58px; padding: 0; justify-content: center; }
  .wa-float span { display: none; }
}
@media print { .wa-float { display: none; } }

/* Navigation auf mittleren Bildschirmen */
@media (min-width: 901px) and (max-width: 1120px) {
  .nav-links { gap: 18px; font-size: 14px; }
  .logo { font-size: 13px; letter-spacing: .1em; }
  .nav-cta { padding: 8px 12px; }
}

/* FAQ */
.faq .wrap { max-width: 860px; }
.faq-group { margin-bottom: 48px; }
.faq-group h2 { font-size: clamp(22px, 3vw, 28px); margin-bottom: 18px; }
.faq details { background: #fffcf3; border: 1px solid rgba(168,134,47,.35); border-radius: var(--radius); margin-bottom: 12px; transition: border-color .2s; }
.faq details[open] { border-color: var(--gold-dark); }
.faq summary { list-style: none; cursor: pointer; padding: 18px 54px 18px 22px; position: relative; font-weight: 500; font-size: 17px; color: var(--green-800); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); width: 26px; height: 26px; border: 1.5px solid var(--gold-dark); border-radius: 50%; display: grid; place-items: center; color: var(--gold-dark); font-size: 18px; line-height: 1; transition: transform .2s; }
.faq details[open] summary::after { content: "–"; }
.faq summary:focus-visible { outline: 2px solid var(--gold-dark); outline-offset: 2px; }
.faq .answer { padding: 0 22px 20px; color: #3f5446; }
.faq .answer p + p { margin-top: 10px; }
.faq .answer a { color: var(--green-700); text-decoration: underline; text-decoration-color: var(--gold-dark); text-underline-offset: 3px; }

/* FAQ: Kompass statt Plus */
.faq summary::after {
  content: ""; width: 28px; height: 28px; border: 0; border-radius: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 28 28'%3E%3Ccircle cx='14' cy='14' r='12.5' fill='none' stroke='%23a8862f' stroke-width='1.6'/%3E%3Cpath d='M14 4 L17 14 L14 24 L11 14 Z' fill='%23c9a24a'/%3E%3Cpath d='M14 4 L17 14 L11 14 Z' fill='%230a3d25'/%3E%3Ccircle cx='14' cy='14' r='1.6' fill='%23fffcf3'/%3E%3C/svg%3E") center / contain no-repeat;
  transform: translateY(-50%) rotate(-45deg);
  transition: transform .45s cubic-bezier(.3,1.5,.5,1);
}
.faq details[open] summary::after { content: ""; transform: translateY(-50%) rotate(180deg); }
.faq summary:hover::after { transform: translateY(-50%) rotate(-25deg); }
.faq details[open] summary:hover::after { transform: translateY(-50%) rotate(180deg); }
@media (prefers-reduced-motion: reduce) { .faq summary::after { transition: none; } }

/* Fehlerseite */
.notfound { text-align: center; }
.notfound .wrap { max-width: 720px; }
.nf-compass { width: 140px; height: 140px; margin: 0 auto 28px; }
.nf-compass svg { width: 100%; height: 100%; }
.nf-needle { transform-origin: 60px 60px; animation: nf-swing 4s ease-in-out infinite; }
@keyframes nf-swing { 0%,100% { transform: rotate(-35deg); } 30% { transform: rotate(55deg); } 60% { transform: rotate(-10deg); } 80% { transform: rotate(20deg); } }
@media (prefers-reduced-motion: reduce) { .nf-needle { animation: none; } }
.nf-lead { color: #3f5446; font-size: 18px; margin-bottom: 28px; }
.nf-links { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 36px; }
.btn-ghost.dark { color: var(--green-800); border-color: var(--gold-dark); }
.btn-ghost.dark:hover { background: rgba(168,134,47,.12); }
.nf-list { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px 26px; }
.nf-list a { color: var(--green-700); text-decoration: underline; text-decoration-color: var(--gold-dark); text-underline-offset: 3px; }

/* Vergleichstabelle Depot vs. ETF-Polizze */
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.cmp { display: grid; grid-template-columns: minmax(150px, .8fr) 1.2fr 1.2fr; position: relative; z-index: 1; }
.cmp-row { display: contents; }
.cmp-crit, .cmp-cell, .cmp-col { padding: 18px 22px; border-bottom: 1px solid rgba(168,134,47,.25); }
.cmp-crit { font-weight: 500; text-transform: uppercase; letter-spacing: .05em; font-size: 14px; color: var(--green-800); display: flex; align-items: center; }
.cmp-cell { display: flex; gap: 12px; align-items: flex-start; font-size: 15.5px; line-height: 1.5; }
.cmp-cell.self { background: #fffcf3; color: #4a5e50; }
.cmp-cell.kest { background: var(--green-800); color: var(--text-light); border-left: 1.5px solid var(--gold); border-right: 1.5px solid var(--gold); border-bottom-color: rgba(217,184,92,.22); }
.cmp-cell.kest strong { color: var(--gold-light); font-weight: 600; }
.cmp-cell.self strong { color: var(--green-800); font-weight: 600; }
.cmp-head .cmp-crit { border-bottom: 0; }
.cmp-col { display: flex; flex-direction: column; justify-content: flex-end; gap: 2px; border-bottom: 2px solid var(--gold-dark); }
.cmp-col.self { background: #efe8d6; border-radius: var(--radius) 0 0 0; }
.cmp-col.kest { background: linear-gradient(160deg, var(--green-700), var(--green-900)); border: 1.5px solid var(--gold); border-bottom: 2px solid var(--gold); border-radius: var(--radius) var(--radius) 0 0; position: relative; padding-top: 30px; }
.cmp-label { font-size: 18px; font-weight: 500; text-transform: uppercase; letter-spacing: .05em; }
.cmp-col.self .cmp-label { color: var(--green-800); }
.cmp-col.kest .cmp-label { color: var(--gold-light); }
.cmp-sub { font-style: italic; font-size: 14px; color: #5f7064; }
.cmp-col.kest .cmp-sub { color: var(--text-muted); }
.cmp-badge { position: absolute; top: -13px; left: 22px; background: linear-gradient(135deg, var(--gold-light), var(--gold) 50%, var(--gold-dark)); color: var(--green-900); font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; padding: 4px 12px; border-radius: 999px; }
.cmp-foot .cmp-crit, .cmp-foot .cmp-cell { border-bottom: 0; padding-top: 22px; padding-bottom: 22px; }
.cmp-foot .cmp-cell.self { border-radius: 0 0 0 var(--radius); }
.cmp-foot .cmp-cell.kest { border-bottom: 1.5px solid var(--gold); border-radius: 0 0 var(--radius) var(--radius); }
.cmp-row:not(.cmp-head):hover > .cmp-crit { color: var(--gold-dark); }

.ic { flex-shrink: 0; width: 22px; height: 22px; border-radius: 50%; display: inline-grid; place-items: center; font-style: normal; font-size: 12px; font-weight: 700; margin-top: 1px; }
.ic::before { line-height: 1; }
.ic.yes { background: var(--gold); color: var(--green-900); }
.ic.yes::before { content: "✓"; }
.ic.mid { background: transparent; border: 1.5px solid var(--gold-dark); color: var(--gold-dark); }
.ic.mid::before { content: "!"; }
.ic.no { background: #d9d2c0; color: #6d6656; }
.ic.no::before { content: "✕"; font-size: 10px; }
.cmp-cell.kest .ic.mid { border-color: var(--gold-light); color: var(--gold-light); }

.cmp-legend { display: flex; gap: 22px; flex-wrap: wrap; justify-content: center; margin-top: 22px; font-size: 14px; color: #5f7064; }
.cmp-legend span { display: inline-flex; align-items: center; gap: 8px; }
.cmp-note { margin: 18px auto 0; max-width: 820px; text-align: center; font-size: 13px; color: #6d7a70; }

@media (max-width: 760px) {
  .cmp { display: block; }
  .cmp-row { display: block; background: #fffcf3; border: 1px solid rgba(168,134,47,.35); border-radius: var(--radius); margin-bottom: 14px; overflow: hidden; }
  .cmp-head { display: none; }
  .cmp-crit { padding: 14px 18px 10px; border-bottom: 1px solid rgba(168,134,47,.25); }
  .cmp-cell { padding: 14px 18px; flex-wrap: wrap; border-radius: 0 !important; }
  .cmp-cell::before { content: attr(data-label); flex-basis: 100%; font-size: 12px; letter-spacing: .08em; text-transform: uppercase; font-weight: 500; margin-bottom: -4px; }
  .cmp-cell.self::before { color: #6d7a70; }
  .cmp-cell.kest::before { color: var(--gold-light); }
  .cmp-cell.kest { border: 0; }
  .cmp-cell span { flex: 1; min-width: 0; }
  .cmp-foot .cmp-cell.kest { border: 0; }
}

/* KESt-Vergleichsrechner */
:root { --kr-free: #e2c46c; --kr-tax: #a9c2b2; --kr-paid: #7f9d8b; }
.kr-form { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; position: relative; z-index: 1; background: rgba(6,43,26,.6); border: 1.5px solid var(--gold); border-radius: var(--radius); padding: 24px; }
.kr-tiles { display: grid; grid-template-columns: 1fr 1fr 1.2fr; gap: 16px; margin: 20px 0; position: relative; z-index: 1; }
.kr-tile { background: rgba(6,43,26,.6); border: 1px solid rgba(217,184,92,.35); border-radius: var(--radius); padding: 18px 20px; display: flex; flex-direction: column; gap: 4px; }
.kr-tile.diff { background: var(--cream); border-color: var(--gold); }
.kr-key { display: flex; align-items: center; gap: 8px; font-size: 13px; letter-spacing: .06em; text-transform: uppercase; color: var(--text-muted); }
.kr-tile.diff .kr-key { color: #5f7064; }
.kr-tile strong { font-size: clamp(24px, 3vw, 32px); font-weight: 400; color: var(--text-light); font-variant-numeric: tabular-nums; }
.kr-tile.diff strong { font-size: clamp(28px, 3.6vw, 40px); background-image: linear-gradient(100deg, #8a6c22, #c9a24a 50%, #8a6c22); }
.kr-tile small { color: #5f7064; font-size: 14px; }
.sw { width: 12px; height: 12px; border-radius: 3px; display: inline-block; flex-shrink: 0; }
.sw.free { background: var(--kr-free); }
.sw.tax { background: var(--kr-tax); }

.kr-chart { background: #072f1d; border: 1px solid rgba(217,184,92,.4); border-radius: var(--radius); padding: 20px 20px 10px; position: relative; z-index: 1; margin: 0; }
.kr-chart figcaption { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px 24px; margin-bottom: 10px; }
.kr-title { font-size: 15px; letter-spacing: .06em; text-transform: uppercase; color: var(--gold-light); }
.kr-legend { display: flex; gap: 18px; flex-wrap: wrap; font-size: 14px; color: var(--text-muted); }
.kr-legend span { display: inline-flex; align-items: center; gap: 8px; }
.ln { width: 22px; height: 0; display: inline-block; border-top: 2px solid; }
.ln.free { border-color: var(--kr-free); border-top-width: 3px; }
.ln.tax { border-color: var(--kr-tax); border-top-style: dashed; }
.ln.paid { border-color: var(--kr-paid); border-top-style: dotted; }
.kr-plot { position: relative; height: 380px; touch-action: pan-y; cursor: crosshair; }
.kr-plot svg { width: 100%; height: 100%; display: block; overflow: visible; }
.kr-grid { stroke: rgba(238,243,238,.08); stroke-width: 1; }
.kr-base { stroke: rgba(238,243,238,.3); stroke-width: 1; }
.kr-axis { fill: var(--text-muted); font-size: 12px; font-family: inherit; font-variant-numeric: tabular-nums; }
.kr-line { fill: none; stroke-width: 2; stroke-linejoin: round; stroke-linecap: round; }
.kr-line.free { stroke: var(--kr-free); stroke-width: 3; }
.kr-line.free.pre { opacity: .45; }
.kr-line.tax { stroke: var(--kr-tax); stroke-dasharray: 7 5; }
.kr-line.paid { stroke: var(--kr-paid); stroke-dasharray: 2 5; }
.kr-gap { fill: var(--kr-free); opacity: .12; }
.kr-dot { stroke: #072f1d; stroke-width: 2; }
.kr-dot.free { fill: var(--kr-free); }
.kr-dot.tax { fill: var(--kr-tax); }
.kr-mark { stroke: rgba(217,184,92,.5); stroke-width: 1; stroke-dasharray: 3 4; }
.kr-mark-label { fill: var(--gold-light); font-size: 12px; font-family: inherit; font-style: italic; }
.kr-cross { stroke: rgba(238,243,238,.45); stroke-width: 1; }
.kr-tip { position: absolute; pointer-events: none; background: var(--cream); color: var(--ink); border: 1px solid var(--gold-dark); border-radius: var(--radius); padding: 10px 12px; font-size: 13.5px; min-width: 200px; box-shadow: 0 10px 26px rgba(0,0,0,.35); display: grid; gap: 4px; }
.kr-tip b { font-weight: 600; color: var(--green-800); margin-bottom: 2px; }
.kr-tip span { display: flex; align-items: center; gap: 7px; }
.kr-tip em { font-style: normal; margin-left: auto; padding-left: 14px; font-variant-numeric: tabular-nums; font-weight: 500; }
.kr-tip .sw.free { background: #b8912f; }
.kr-tip .sw.tax { background: #7d9a88; }
.kr-tip .muted { color: #6d7a70; }
.kr-tip .sum { border-top: 1px solid rgba(168,134,47,.35); padding-top: 5px; margin-top: 2px; font-weight: 600; color: var(--green-800); }
.kr-tip small { color: #8a6c22; font-style: italic; }

@media (max-width: 900px) {
  .kr-form { grid-template-columns: 1fr 1fr; }
  .kr-tiles { grid-template-columns: 1fr 1fr; }
  .kr-tile.diff { grid-column: 1 / -1; }
}
@media (max-width: 520px) {
  .kr-form { grid-template-columns: 1fr; padding: 18px; }
  .kr-tiles { grid-template-columns: 1fr; }
  .kr-plot { height: 300px; }
  .kr-chart { padding: 16px 10px 6px; }
}
.kr-form .field, .calc-form .field { min-width: 0; }
.kr-tip[hidden] { display: none; }
.kr-tile.diff strong { color: transparent; -webkit-background-clip: text; background-clip: text; }

/* Eingabefelder: stabil in Safari, besser lesbar (beide Rechner) */
.kr-form { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.field { grid-template-columns: minmax(0, 1fr); }
.input-wrap { min-width: 0; width: 100%; background: #041d11; border: 1.5px solid rgba(217,184,92,.65); }
.input-wrap:hover { border-color: var(--gold); }
.input-wrap input {
  width: 100%; min-width: 0; flex: 1 1 0;
  -webkit-appearance: none; appearance: textfield; -moz-appearance: textfield;
  background: transparent; box-shadow: none; border-radius: 0;
  color: #ffffff; -webkit-text-fill-color: #ffffff;
  font-size: 22px; font-weight: 500; letter-spacing: .01em; font-variant-numeric: tabular-nums;
  padding: 13px 4px 13px 16px;
}
.input-wrap input::-webkit-outer-spin-button,
.input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.input-wrap input:focus { outline: none; }
.input-wrap em { flex: 0 0 auto; color: var(--gold-light); font-size: 16px; font-weight: 500; padding: 0 16px 0 6px; }
.field > span { font-size: 13.5px; color: var(--gold-light); font-weight: 500; }
@media (max-width: 900px) { .kr-form { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 520px) { .kr-form { grid-template-columns: minmax(0, 1fr); } }
.kr-hint { font-size: 12.5px; color: var(--text-muted); line-height: 1.4; min-height: 1.4em; }
.kr-tile.free small, .kr-tile.tax small { color: var(--text-muted); font-size: 13px; line-height: 1.4; }

/* Rechnung teilen */
.share { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 12px; margin-top: 18px; position: relative; z-index: 1; }
.share-btn { display: inline-flex; align-items: center; gap: 8px; font: inherit; font-size: 14.5px; font-weight: 500; letter-spacing: .02em; padding: 10px 16px; border-radius: 999px; cursor: pointer; transition: transform .2s, background .2s, border-color .2s, color .2s; }
.share-btn svg { width: 20px; height: 20px; flex-shrink: 0; }
.share-btn:hover { transform: translateY(-2px); }
.share-btn.wa { background: #25d366; color: #fff; border: 0; box-shadow: 0 6px 16px rgba(0,0,0,.18); }
.share-btn.wa:hover { background: #1fbe5b; }
.share-btn.copy { background: transparent; border: 1.5px solid var(--gold); color: var(--gold-light); }
.share-btn.copy:hover { background: rgba(217,184,92,.14); }
.light-share .share-btn.copy { border-color: var(--gold-dark); color: var(--green-800); }
.light-share .share-btn.copy:hover { background: rgba(168,134,47,.12); }
.share-status { font-size: 14px; font-weight: 500; color: var(--gold-light); min-height: 1em; }
.light-share .share-status { color: var(--green-700); }
.share-note { flex-basis: 100%; font-size: 13px; color: var(--text-muted); margin: 0; }
.light-share .share-note { color: #6d7a70; }
.dark-share { justify-content: center; margin-top: 20px; }
.dark-share .share-note { text-align: center; }
.calc-result .share { margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(168,134,47,.3); }
@media (max-width: 520px) {
  .share-btn { flex: 1 1 auto; justify-content: center; }
}

/* Querverweise zwischen den Rechnern */
.cross-link { display: flex; flex-direction: column; gap: 4px; margin: 26px auto 0; max-width: 720px; padding: 18px 24px; text-align: center; border: 1.5px dashed rgba(217,184,92,.7); border-radius: var(--radius); background: rgba(6,43,26,.45); position: relative; z-index: 1; transition: border-color .2s, background .2s, transform .2s; }
.cross-link:hover { border-style: solid; border-color: var(--gold); background: rgba(6,43,26,.7); transform: translateY(-2px); }
.cross-q { font-size: clamp(18px, 2.4vw, 22px); font-style: italic; color: var(--gold-light); }
.cross-a { font-size: 15px; color: var(--text-light); }
.cross-a b { color: var(--gold); font-weight: 500; display: inline-block; transition: transform .2s; }
.cross-link:hover .cross-a b { transform: translateX(4px); }

/* Nur im Druck sichtbar */
.print-head, .print-link { display: none; }

/* Druckansicht */
@media print {
  @page { size: A4; margin: 14mm 12mm; }
  html, body { background: #fff !important; color: #10251a; font-size: 11pt; }
  header, footer, .wa-float, .cta-band, .page-hero, .gold-lines, .share, .cross-link, .menu-btn, .chips, input[type="range"], .kr-tip, .kr-cross { display: none !important; }
  body.print-one > *:not(.print-target) { display: none !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
  section { padding: 0 !important; background: #fff !important; break-inside: auto; }
  .velvet::before { display: none; }
  .wrap { max-width: none; padding: 0; }
  .print-head { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; border-bottom: 2px solid #a8862f; padding-bottom: 8px; margin-bottom: 16px; font-size: 9.5pt; color: #3f5446; }
  .print-head strong { color: #0a3d25; letter-spacing: .08em; text-transform: uppercase; }
  .print-link { display: block; font-size: 9pt; color: #3f5446; margin-top: 10px; word-break: break-all; }
  .section-head { margin-bottom: 14px; }
  .section-head h2, .gold-text { color: #0a3d25 !important; -webkit-text-fill-color: #0a3d25 !important; background: none !important; }
  .section-head p, .kicker { color: #3f5446 !important; }
  .divider { display: none; }
  /* Eingaben & Kacheln hell */
  .calc, .kr-form, .kr-tile, .kr-chart, .calc-form, .calc-result { background: #fff !important; border-color: #c9b98a !important; box-shadow: none !important; }
  .calc { grid-template-columns: 1fr 1fr; }
  .kr-form { grid-template-columns: repeat(4, 1fr); padding: 12px; }
  .kr-tiles { grid-template-columns: 1fr 1fr 1fr; }
  .field > span, .kr-key, .kr-title, .kr-legend, .res-label { color: #3f5446 !important; }
  .input-wrap { background: #f7f3e8 !important; border-color: #c9b98a !important; }
  .input-wrap input { color: #10251a !important; -webkit-text-fill-color: #10251a !important; font-size: 14pt; padding: 6px 10px; }
  .input-wrap em { color: #6d5a26 !important; }
  .kr-tile strong, .res-split strong { color: #0a3d25 !important; -webkit-text-fill-color: #0a3d25 !important; }
  .kr-tile small, .kr-hint, .res-legend, .res-range { color: #4a5e50 !important; }
  .calc-result .btn { display: none; }
  /* Grafik für Papier */
  .kr-chart { break-inside: avoid; }
  .kr-plot { height: 300px; }
  .kr-grid { stroke: #e3ddcc; }
  .kr-base { stroke: #8a8a7a; }
  .kr-axis { fill: #4a5e50; }
  .kr-line.free { stroke: #a8862f; }
  .kr-line.tax { stroke: #4f6f5c; }
  .kr-line.paid { stroke: #8f9c93; }
  .kr-gap { fill: #c9a24a; opacity: .18; }
  .kr-dot { stroke: #fff; }
  .kr-dot.free { fill: #a8862f; }
  .kr-dot.tax { fill: #4f6f5c; }
  .kr-mark { stroke: #b49a5a; }
  .kr-mark-label { fill: #8a6c22; }
  .sw.free, .ln.free { background: #a8862f; border-color: #a8862f; }
  .sw.tax, .ln.tax { background: #4f6f5c; border-color: #4f6f5c; }
  .ln.paid { border-color: #8f9c93; }
  #r-bar-ein { background: #0f5132; } #r-bar-zins { background: #c9a24a; }
  #if-bar-rest { background: #0f5132; }
  .res-bar, .kr-gap, .sw, .ln, #r-bar-ein, #r-bar-zins, #if-bar-rest, #if-bar-verlust { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  /* Tabelle vollständig */
  .calc-table summary { display: none; }
  .table-scroll { max-height: none; overflow: visible; border-color: #c9b98a; }
  .calc-table th { position: static; background: #f1ecdd !important; color: #0a3d25 !important; }
  .calc-table td { color: #10251a; border-bottom-color: #e3ddcc; padding: 4px 8px; }
  .calc-table th { padding: 6px 8px; }
  .calc-table tr { break-inside: avoid; }
  .fineprint { color: #4a5e50 !important; font-size: 8.5pt; opacity: 1; }
}

.field { align-content: start; }
@media print { .kr-form { align-items: start; } .kr-hint { font-size: 8pt; } }

/* ===== Header: Dropdown „Leistungen“ ===== */
.nav-links { gap: 30px; }
.nav-links a, .nav-dd-toggle { white-space: nowrap; }
.nav-dd { position: relative; }
.nav-dd-toggle {
  display: inline-flex; align-items: center; gap: 6px;
  background: none; border: 0; padding: 0; cursor: pointer;
  font: inherit; letter-spacing: inherit; color: var(--text-muted); transition: color .2s;
}
.nav-dd-toggle:hover, .nav-dd-toggle.active, .nav-dd.open .nav-dd-toggle { color: var(--gold-light); }
.nav-dd-toggle .chev { width: 11px; height: 11px; color: var(--gold); transition: transform .2s; }
.nav-dd.open .nav-dd-toggle .chev { transform: rotate(180deg); }
.nav-dd-menu {
  list-style: none; margin: 0;
  position: absolute; top: calc(100% + 18px); left: 50%;
  min-width: 270px; padding: 10px 0;
  background: var(--green-900);
  border: 1px solid rgba(217,184,92,.35); border-top: 2px solid var(--gold);
  border-radius: 0 0 var(--radius) var(--radius);
  box-shadow: 0 16px 36px rgba(0,0,0,.35);
  opacity: 0; visibility: hidden; transform: translate(-50%, 6px);
  transition: opacity .2s, transform .2s, visibility 0s .2s;
}
/* unsichtbare Brücke, damit das Menü beim Hinüberfahren offen bleibt */
.nav-dd-menu::before { content: ""; position: absolute; left: 0; right: 0; top: -20px; height: 20px; }
.nav-dd-menu a {
  display: block; padding: 11px 24px; color: var(--text-light);
  border-left: 2px solid transparent; transition: color .2s, background .2s, border-color .2s;
}
.nav-dd-menu a:hover, .nav-dd-menu a:focus-visible, .nav-dd-menu a[aria-current="page"] {
  color: var(--gold-light); background: rgba(217,184,92,.07); border-left-color: var(--gold);
}
.nav-links a:focus-visible, .nav-dd-toggle:focus-visible, .menu-btn:focus-visible {
  outline: 1.5px solid var(--gold); outline-offset: 4px; border-radius: 2px;
}
@media (min-width: 901px) {
  .nav-dd.open .nav-dd-menu,
  .nav-dd:hover .nav-dd-menu {
    opacity: 1; visibility: visible; transform: translate(-50%, 0);
    transition: opacity .2s, transform .2s;
  }
}

/* Mobil / Tablet: Hamburger-Menü mit aufklappbarem Untermenü */
@media (max-width: 900px) {
  .nav-links { max-height: calc(100vh - 76px); overflow-y: auto; align-items: stretch; background: var(--green-900); }
  .nav-links .nav-cta { text-align: center; }
  .nav-links a, .nav-dd-toggle { font-size: 16px; }
  .nav-dd { border-bottom: 1px solid rgba(217,184,92,.15); }
  .nav-dd-toggle { width: 100%; justify-content: space-between; padding: 14px 0; }
  .nav-dd-toggle .chev { width: 14px; height: 14px; }
  .nav-dd-menu {
    position: static; min-width: 0; transform: none; box-shadow: none; background: none;
    border: 0; border-left: 1.5px solid rgba(217,184,92,.4); border-radius: 0;
    margin: 0 0 12px 4px; padding: 0;
    opacity: 1; visibility: visible; display: none; transition: none;
  }
  .nav-dd-menu::before { display: none; }
  .nav-dd.open .nav-dd-menu { display: block; }
  .nav-links .nav-dd-menu a { padding: 11px 16px; border-bottom: 0; font-size: 15px; color: var(--text-muted); }
  .nav-links .nav-cta { margin-top: 18px; padding: 14px; border-bottom: 0 !important; }
}

/* Goldene Linien: im Bereich der Navigation ausblenden, damit die Menüpunkte lesbar bleiben */
.hero > .gold-lines, .page-hero > .gold-lines {
  -webkit-mask-image: linear-gradient(to bottom, transparent 0, transparent 84px, #000 150px);
          mask-image: linear-gradient(to bottom, transparent 0, transparent 84px, #000 150px);
}

/* ===== Startseite: Hero-Texte ===== */
.hero p.tagline {
  margin: 0 auto; max-width: 720px;
  font-size: clamp(20px, 2.6vw, 27px); line-height: 1.35;
  color: var(--text-light); font-weight: 400; letter-spacing: .02em;
}
.hero p.lead.hero-desc { margin-top: 16px; max-width: 680px; font-size: clamp(16px, 1.7vw, 18px); line-height: 1.65; }
@media (max-width: 600px) {
  .hero p.lead.hero-desc { padding: 0 4px; }
  .hero .badges { gap: 12px 22px; }
}

.nav-dd-menu a:focus-visible { outline-offset: -3px; }

/* Lange Seitentitel am Handy */
@media (max-width: 600px) { .page-hero h1.long-title { font-size: clamp(24px, 7.4vw, 34px); letter-spacing: .03em; } }

/* Sehr kleine Handys */
footer nav { flex-wrap: wrap; }
@media (max-width: 360px) { .service h3 { font-size: 18px; letter-spacing: .03em; } footer nav { gap: 10px 18px; } }

/* ===== Pensionslückenrechner ===== */
:root { --pl-pen: #7f9d8b; --pl-gap: #e2c46c; }
.sw.pl-pen { background: var(--pl-pen); }
.sw.pl-gap { background: repeating-linear-gradient(135deg, var(--pl-gap) 0 3px, #b8912f 3px 5px); }
.pl-form .kr-hint { line-height: 1.35; }
.pl-bar { background: #072f1d; border: 1px solid rgba(217,184,92,.4); border-radius: var(--radius); padding: 18px 20px; margin: 0 0 20px; position: relative; z-index: 1; }
.pl-bar-head { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px 24px; margin-bottom: 12px; }
.pl-bar-legend { display: flex; gap: 18px; flex-wrap: wrap; font-size: 14px; color: var(--text-muted); }
.pl-bar-legend span { display: inline-flex; align-items: center; gap: 8px; }
.pl-bar-track { display: flex; height: 44px; border-radius: var(--radius); overflow: hidden; background: rgba(238,243,238,.06); }
.pl-bar-track > div { display: flex; align-items: center; min-width: 0; transition: width .35s ease; }
.pl-bar-track span { padding: 0 12px; font-size: 14px; font-weight: 500; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; font-variant-numeric: tabular-nums; }
.pl-bar-pension { background: var(--pl-pen); color: #062b1a; }
.pl-bar-luecke { background: repeating-linear-gradient(135deg, var(--pl-gap) 0 8px, #d3b257 8px 14px); color: #062b1a; justify-content: flex-end; }
.pl-bar-note { margin: 10px 0 0; font-size: 14.5px; color: var(--text-muted); }
.pl-phase { fill: rgba(217,184,92,.05); }
.calc-table tr.pl-row-mark td { color: var(--gold-light); }
@media (max-width: 520px) { .pl-bar-track { height: 40px; } .pl-bar-track span { font-size: 13px; padding: 0 8px; } }
@media (prefers-reduced-motion: reduce) { .pl-bar-track > div { transition: none; } }
@media print {
  .pl-bar { background: #fff !important; border-color: #c9a24a !important; }
  .pl-bar-note { color: #3f5446 !important; }
  .pl-bar-track, .pl-bar-pension, .pl-bar-luecke { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
}
.pl-form ~ .kr-tiles .kr-tile:not(.diff) small { color: var(--text-muted); }
.pl-bar-legend b { font-weight: 500; color: var(--text-light); font-variant-numeric: tabular-nums; }
.pl-bar-legend [hidden] { display: none; }
@media (max-width: 600px) { .pl-bar-track span { display: none; } .pl-bar-track { height: 26px; } }

/* ===== Vertrauensstreifen (Startseite) ===== */
.trust-strip { padding: 26px 0; background: var(--green-900); border-top: 1px solid rgba(217,184,92,.35); border-bottom: 1px solid rgba(217,184,92,.35); }
.trust-strip ul { list-style: none; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px 28px; }
.trust-strip li { display: flex; align-items: center; justify-content: center; gap: 12px; color: var(--text-light); font-size: 15.5px; letter-spacing: .02em; }
.trust-strip li + li { border-left: 1px solid rgba(217,184,92,.25); }
.trust-strip svg { width: 22px; height: 22px; color: var(--gold); flex-shrink: 0; }
.trust-strip span { display: flex; flex-direction: column; line-height: 1.3; }
.trust-strip small { color: var(--text-muted); font-size: 13px; font-style: italic; }
@media (max-width: 900px) {
  .trust-strip ul { grid-template-columns: 1fr; gap: 14px; }
  .trust-strip li { justify-content: flex-start; }
  .trust-strip li + li { border-left: 0; border-top: 1px solid rgba(217,184,92,.18); padding-top: 14px; }
}

/* ===== Qualifikationen (Über uns) ===== */
.qual-list { list-style: none; margin: 0 0 18px; display: grid; gap: 8px; }
.qual-list li { display: flex; align-items: center; gap: 10px; color: var(--green-800); font-size: 15.5px; }
.qual-list strong { font-weight: 500; }
.qual-list svg { width: 18px; height: 18px; color: var(--gold-dark); flex-shrink: 0; }
.inline-gold { color: var(--gold-light); border-bottom: 1px solid rgba(217,184,92,.6); }
.inline-gold:hover { border-color: var(--gold-light); }

/* ===== Region ===== */
.region-chips { list-style: none; margin: 0 auto; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px 12px; max-width: 860px; position: relative; z-index: 1; }
.region-chips li { padding: 9px 18px; border: 1px solid rgba(168,134,47,.5); border-radius: 999px; background: #fffcf3; color: var(--green-800); font-size: 15px; letter-spacing: .02em; }
.region-note { text-align: center; margin-top: 22px; color: #5f7064; font-size: 15px; position: relative; z-index: 1; }

/* ===== Kreditrechner ===== */
.kc-form { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .kc-form { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .kc-form { grid-template-columns: minmax(0, 1fr); } }
#kreditrechner .kr-tile strong { font-size: clamp(22px, 2.6vw, 30px); }
#kreditrechner .kr-tile.diff strong { font-size: clamp(26px, 3.2vw, 38px); }

/* Lange Wörter und Links nicht überstehen lassen */
p, li, td { overflow-wrap: break-word; }
h1, h2, h3 { overflow-wrap: break-word; hyphens: auto; -webkit-hyphens: auto; }

/* ===== Startseite: Jakob persönlich ===== */
#jakob-persoenlich .wrap { position: relative; z-index: 1; }
.home-quote blockquote { margin: 10px 0 0; }
.home-quote blockquote p { font-size: clamp(21px, 2.4vw, 27px); line-height: 1.45; color: var(--text-light); font-weight: 300; font-style: italic; }
.home-quote .quote-by { display: block; font-style: normal; margin-top: 14px; color: var(--gold-light); letter-spacing: .06em; font-size: 15px; text-transform: uppercase; }
.home-quote .home-quote-text { color: var(--text-muted); font-size: 17px; margin-bottom: 26px; max-width: 560px; }
#jakob-persoenlich .portrait { border-color: var(--gold); outline-color: rgba(217,184,92,.6); }

/* ===== Startseite: 6 Schritte ===== */
.steps.six { grid-template-columns: repeat(6, 1fr); gap: 18px; }
.steps.six .steps-line { left: 8.33%; right: 8.33%; }
.steps.six .step h4 { font-size: 15px; }
.steps.six .step p { font-size: 14.5px; }
.section-more { text-align: center; margin-top: 40px; position: relative; z-index: 1; }
.section-more a { color: var(--gold-dark); font-weight: 500; letter-spacing: .04em; border-bottom: 1px solid rgba(168,134,47,.4); padding-bottom: 2px; }
.section-more a:hover { border-color: var(--gold-dark); }
@media (max-width: 1020px) {
  .steps.six { grid-template-columns: repeat(3, 1fr); row-gap: 40px; }
  .steps.six .steps-line { display: none; }
}
@media (max-width: 600px) { .steps.six { grid-template-columns: 1fr 1fr; gap: 32px 14px; } }

/* ===== Startseite: Rechner-Karten ===== */
.tools { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; position: relative; z-index: 1; }
.tool-card { display: flex; flex-direction: column; gap: 6px; padding: 28px 24px; background: rgba(6,43,26,.6); border: 1px solid rgba(217,184,92,.4); border-radius: var(--radius); transition: transform .25s, border-color .25s, background .25s; }
.tool-card:hover { transform: translateY(-4px); border-color: var(--gold); background: rgba(6,43,26,.8); }
.tool-icon { width: 48px; height: 48px; border: 1.5px solid var(--gold); transform: rotate(45deg); display: grid; place-items: center; margin: 6px 0 22px 6px; }
.tool-icon svg { transform: rotate(-45deg); width: 22px; height: 22px; color: var(--gold-light); }
.tool-q { font-style: italic; color: var(--text-muted); font-size: 16px; }
.tool-card strong { font-weight: 500; text-transform: uppercase; letter-spacing: .05em; font-size: 18px; color: var(--text-light); flex: 1; }
.tool-card .more { margin-top: 14px; color: var(--gold-light); font-weight: 500; letter-spacing: .04em; font-size: 15px; }
@media (max-width: 960px) { .tools { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .tools { grid-template-columns: 1fr; } }

/* ===== Startseite: Häufige Fragen ===== */
#haeufige-fragen .section-head { margin-bottom: 36px; }

/* ===== Hilfsklasse ===== */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

/* ===== Ratgeber: Suche ===== */
.rg-search { position: relative; max-width: 640px; margin: 34px auto 0; }
.rg-search svg { position: absolute; left: 20px; top: 50%; transform: translateY(-50%); width: 22px; height: 22px; color: var(--gold); pointer-events: none; }
.rg-search input { width: 100%; font: inherit; font-size: 17px; color: var(--text-light); background: rgba(6,43,26,.7); border: 1.5px solid var(--gold); border-radius: 999px; padding: 16px 52px 16px 54px; outline: none; transition: box-shadow .2s, background .2s; }
.rg-search input::placeholder { color: var(--text-muted); opacity: .85; }
.rg-search input:focus { background: rgba(6,43,26,.9); box-shadow: 0 0 0 4px rgba(217,184,92,.2); }
.rg-search input::-webkit-search-cancel-button { display: none; }
.rg-clear { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); width: 32px; height: 32px; border-radius: 50%; border: 0; background: rgba(217,184,92,.15); color: var(--gold-light); font-size: 20px; line-height: 1; cursor: pointer; }
.rg-clear:hover { background: rgba(217,184,92,.3); }
.rg-toolbar { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px 24px; margin-bottom: 28px; position: relative; z-index: 1; }
.rg-chips { display: flex; flex-wrap: wrap; gap: 10px; }
.rg-chip { font: inherit; font-size: 15px; padding: 8px 16px; border-radius: 999px; border: 1px solid rgba(168,134,47,.5); background: #fffcf3; color: var(--green-800); cursor: pointer; transition: background .2s, color .2s, border-color .2s; }
.rg-chip:hover { border-color: var(--gold-dark); }
.rg-chip.active { background: var(--green-800); color: var(--gold-light); border-color: var(--green-800); }
.rg-chip:focus-visible, .rg-card:focus-visible, .rg-hit:focus-visible { outline: 2px solid var(--gold-dark); outline-offset: 3px; }
.rg-count { margin: 0; color: #5f7064; font-size: 15px; }

/* Karten */
.rg-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; position: relative; z-index: 1; }
.rg-grid.two { grid-template-columns: repeat(2, 1fr); max-width: 900px; margin: 0 auto; }
.rg-card[hidden] { display: none; }
.rg-card { display: flex; flex-direction: column; gap: 8px; background: #fffcf3; border: 1px solid rgba(168,134,47,.35); border-top: 3px solid var(--gold-dark); border-radius: var(--radius); padding: 28px 26px; color: var(--ink); transition: transform .25s, box-shadow .25s; }
.rg-card:hover { transform: translateY(-4px); box-shadow: 0 16px 34px rgba(6,43,26,.15); }
.rg-kat { font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark); }
.rg-card h3 { font-weight: 500; font-size: 20px; line-height: 1.35; color: var(--green-800); }
.rg-card p { color: #4a5e50; flex: 1; font-size: 15.5px; }
.rg-meta { font-size: 13.5px; color: #6d7a70; }
.rg-card .more, .rg-hit .more { color: var(--gold-dark); font-weight: 500; letter-spacing: .04em; margin-top: 6px; }

/* Suchtreffer */
.rg-results { display: grid; gap: 14px; max-width: 860px; margin: 0 auto; position: relative; z-index: 1; }
.rg-hit { display: flex; flex-direction: column; gap: 6px; background: #fffcf3; border: 1px solid rgba(168,134,47,.35); border-left: 3px solid var(--gold-dark); border-radius: var(--radius); padding: 20px 24px; color: var(--ink); transition: border-color .2s, transform .2s; }
.rg-hit:hover { border-color: var(--gold-dark); transform: translateX(3px); }
.rg-hit.faq-hit { border-left-color: var(--green-700); }
.rg-hit strong { font-weight: 500; font-size: 18.5px; color: var(--green-800); }
.rg-snippet { color: #4a5e50; font-size: 15px; }
.rg-hit mark { background: rgba(217,184,92,.35); color: inherit; padding: 0 2px; border-radius: 2px; }
.rg-empty { text-align: center; max-width: 560px; margin: 10px auto 0; padding: 36px 28px; border: 1.5px dashed rgba(168,134,47,.5); border-radius: var(--radius); background: #fffcf3; position: relative; z-index: 1; }
.rg-empty-title { font-size: 20px; color: var(--green-800); margin-bottom: 8px; }
.rg-empty p { color: #4a5e50; margin-bottom: 20px; }
.rg-empty a:not(.btn) { color: var(--green-700); text-decoration: underline; text-decoration-color: var(--gold-dark); text-underline-offset: 3px; }
.rg-note { text-align: center; color: #6d7a70; font-size: 14px; margin-top: 40px; position: relative; z-index: 1; }
@media (max-width: 960px) { .rg-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .rg-grid, .rg-grid.two { grid-template-columns: 1fr; } .rg-search input { font-size: 16px; padding: 14px 48px 14px 50px; } }

/* ===== Ratgeber: Artikel ===== */
.art-hero h1 { font-size: clamp(30px, 4.6vw, 52px); max-width: 900px; margin-left: auto; margin-right: auto; }
.breadcrumb { display: flex; justify-content: center; flex-wrap: wrap; gap: 8px; font-size: 14.5px; letter-spacing: .04em; color: var(--text-muted); margin-bottom: 18px; }
.breadcrumb a { color: var(--gold-light); border-bottom: 1px solid rgba(217,184,92,.5); }
.art-meta { color: var(--text-muted); font-size: 15px; font-style: italic; }
.article { padding-top: 70px; }
.article .wrap { max-width: 780px; position: relative; z-index: 1; }
.art-key { background: var(--green-800); color: var(--text-light); border-radius: var(--radius); border-left: 4px solid var(--gold); padding: 24px 28px; margin-bottom: 44px; }
.art-key-title { color: var(--gold-light); text-transform: uppercase; letter-spacing: .1em; font-size: 14px; margin-bottom: 12px; }
.art-key ul { list-style: none; display: grid; gap: 10px; margin: 0; }
.art-key li { position: relative; padding-left: 22px; font-size: 16px; line-height: 1.55; }
.art-key li::before { content: "◆"; position: absolute; left: 0; top: 1px; color: var(--gold); font-size: 10px; }
.art-key strong { color: var(--gold-light); font-weight: 500; }
.art-body { color: #2f4437; font-size: 17.5px; line-height: 1.75; }
.art-body h2 { font-weight: 400; text-transform: uppercase; letter-spacing: .05em; color: var(--green-800); font-size: clamp(21px, 2.6vw, 26px); margin: 44px 0 14px; }
.art-body h3 { font-weight: 500; color: var(--green-800); font-size: 18.5px; margin: 26px 0 8px; }
.art-body p { margin-bottom: 16px; }
.art-body ul { margin: 0 0 18px; padding-left: 0; list-style: none; display: grid; gap: 8px; }
.art-body ul li { position: relative; padding-left: 22px; }
.art-body ul li::before { content: "◆"; position: absolute; left: 0; top: 2px; color: var(--gold-dark); font-size: 10px; }
.art-body strong { color: var(--green-800); font-weight: 600; }
.art-body a { color: var(--green-700); text-decoration: underline; text-decoration-color: var(--gold-dark); text-underline-offset: 3px; }
.art-example { background: #fffcf3; border: 1px solid rgba(168,134,47,.4); border-radius: var(--radius); padding: 16px 20px; margin: 8px 0 22px; font-size: 16.5px; }
.art-calc { display: flex; flex-direction: column; gap: 4px; margin: 44px 0 0; padding: 22px 26px; background: var(--green-800); border: 1.5px solid var(--gold); border-radius: var(--radius); color: var(--text-light); transition: transform .2s, background .2s; }
.art-calc:hover { transform: translateY(-2px); background: var(--green-700); }
.art-calc-q { font-style: italic; color: var(--text-muted); }
.art-calc strong { color: var(--gold-light); font-weight: 500; font-size: 18px; letter-spacing: .02em; }
.art-sources { margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(168,134,47,.35); }
.art-sources-title { text-transform: uppercase; letter-spacing: .1em; font-size: 13.5px; color: var(--gold-dark); margin-bottom: 10px; }
.art-sources ul { list-style: none; display: grid; gap: 6px; margin: 0 0 18px; font-size: 15px; }
.art-sources a { color: var(--green-700); text-decoration: underline; text-decoration-color: rgba(168,134,47,.6); text-underline-offset: 3px; }
.art-disclaimer { font-size: 13.5px; color: #6d7a70; line-height: 1.6; }
@media (max-width: 600px) { .art-body { font-size: 16.5px; } .art-key { padding: 20px; } .article { padding-top: 50px; } }
@media print { .art-calc, .breadcrumb { display: none !important; } }

.rg-grid[hidden], .rg-results[hidden], .rg-empty[hidden], .rg-clear[hidden] { display: none !important; }
.art-hero h1, .rg-card h3, .rg-hit strong { hyphens: manual; -webkit-hyphens: manual; }

/* ===== Ratgeber: Tabellen, Checklisten ===== */
.art-table { margin: 6px 0 14px; border: 1px solid rgba(168,134,47,.35); border-radius: var(--radius); background: #fffcf3; }
.art-table table { width: 100%; border-collapse: collapse; font-size: 16px; font-variant-numeric: tabular-nums; }
.art-table th, .art-table td { padding: 11px 14px; text-align: right; border-bottom: 1px solid rgba(168,134,47,.2); white-space: nowrap; }
.art-table th:first-child, .art-table td:first-child { text-align: left; }
.art-table th { color: var(--green-800); font-weight: 600; background: rgba(168,134,47,.08); }
.art-table tr:last-child td { border-bottom: 0; }
.art-note { font-size: 14px; color: #6d7a70; font-style: italic; }
.art-body ul.art-check li { padding-left: 32px; }
.art-body ul.art-check li::before { content: ""; top: 5px; width: 16px; height: 16px; border: 1.5px solid var(--gold-dark); border-radius: 3px; background: #fffcf3; }
.art-print { color: var(--green-800); border-color: var(--gold-dark); cursor: pointer; font: inherit; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; font-size: 15px; background: transparent; }
.art-print:hover { background: rgba(168,134,47,.12); }
@media print {
  .art-print, .art-calc, .rg-grid, .breadcrumb { display: none !important; }
  .article .wrap { max-width: none; }
  .art-key { background: #fff !important; color: #10251a !important; border: 1px solid #c9a24a; }
  .art-key strong, .art-key-title { color: #10251a !important; }
}

@media (max-width: 520px) { .art-table th, .art-table td { padding: 9px 7px; font-size: 13.5px; white-space: normal; } }

/* Startseite: Unsere Leistungen */
.leistungen .section-head h2 { font-size: clamp(26px, 3.6vw, 40px); }
.lst-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; position: relative; z-index: 1; }
.lst-card {
  display: flex; flex-direction: column; padding: 34px 30px 30px; border-radius: var(--radius);
  background: rgba(6,43,26,.55); border: 1.5px solid rgba(217,184,92,.55); color: var(--text-light);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease, background .3s ease;
}
.lst-card:hover { transform: translateY(-6px); border-color: var(--gold-light); background: rgba(6,43,26,.8); box-shadow: 0 18px 38px rgba(0,0,0,.28); }
.lst-card h3 { font-size: 23px; font-weight: 500; letter-spacing: .02em; color: var(--gold-light); margin: 20px 0 10px; }
.lst-card p { font-size: 16px; line-height: 1.6; color: var(--text-muted); flex: 1; }
.lst-card .more { margin-top: 18px; font-size: 14px; letter-spacing: .06em; color: var(--gold); }
.lst-card.gold { background: linear-gradient(140deg, #f0d98c, #d9b85c 55%, #c9a24a); border-color: #f0d98c; color: var(--green-900); }
.lst-card.gold:hover { background: linear-gradient(140deg, #f5e3a4, #e0c26a 55%, #d1ab52); }
.lst-card.gold h3 { color: var(--green-900); }
.lst-card.gold p { color: #163a27; }
.lst-card.gold .more { color: var(--green-800); font-weight: 500; }

.lst-icon { width: 72px; height: 72px; border-radius: 50%; display: grid; place-items: center; background: var(--green-800); border: 1.5px solid var(--gold); box-shadow: 0 0 0 6px rgba(217,184,92,.12); transition: transform .4s ease, box-shadow .4s ease; }
.lst-card.gold .lst-icon { background: var(--green-900); border-color: var(--green-900); box-shadow: 0 0 0 6px rgba(6,43,26,.12); }
.lst-card:hover .lst-icon { transform: scale(1.06); box-shadow: 0 0 0 9px rgba(217,184,92,.18); }
.lst-icon svg { width: 40px; height: 40px; stroke: var(--gold-light); stroke-width: 2.2; }
.lst-icon .bar, .lst-icon .dot { fill: var(--gold); stroke: none; }
.lst-icon .bar { opacity: .85; }
.lst-cta { margin-top: 44px; text-align: center; justify-content: center; }
.lst-cta .btn svg { width: 18px; height: 18px; margin-right: 10px; vertical-align: -3px; }

/* Icons zeichnen sich beim Einblenden */
.js .lst-card .draw { stroke-dasharray: 1; stroke-dashoffset: 1; }
.js .lst-card.in .draw { animation: lst-draw 1.2s ease forwards .25s; }
.js .lst-card.in .draw.arrow, .js .lst-card.in .draw.check { animation-delay: .9s; }
@keyframes lst-draw { to { stroke-dashoffset: 0; } }
.js .lst-card .bar { transform: scaleY(0); transform-box: fill-box; transform-origin: bottom; }
.js .lst-card.in .bar { animation: lst-grow .7s cubic-bezier(.2,.8,.3,1.2) forwards; }
.js .lst-card.in .b1 { animation-delay: .3s; } .js .lst-card.in .b2 { animation-delay: .45s; } .js .lst-card.in .b3 { animation-delay: .6s; }
@keyframes lst-grow { to { transform: scaleY(1); } }
.js .lst-card .sun { transform: translateY(14px); opacity: 0; }
.js .lst-card.in .sun { animation: lst-rise 1.3s ease forwards .4s; }
@keyframes lst-rise { to { transform: none; opacity: 1; } }
.lst-icon .sun circle { fill: rgba(240,217,140,.25); }
.lst-icon .door { stroke: var(--gold); }
.js .lst-card .door { opacity: 0; }
.js .lst-card.in .door { animation: lst-fade .5s ease forwards 1.1s; }
@keyframes lst-fade { to { opacity: 1; } }

/* Kleine Bewegungen beim Darüberfahren */
.ic-etf .orbit { transform-origin: 24px 24px; transform-box: view-box; }
.lst-card:hover .ic-etf .orbit { animation: lst-orbit 2.4s linear infinite; }
@keyframes lst-orbit { to { transform: rotate(360deg); } }
.lst-card:hover .ic-wachstum .bar { animation: lst-pulse 1s ease-in-out infinite alternate; }
.lst-card:hover .ic-wachstum .b2 { animation-delay: .15s; } .lst-card:hover .ic-wachstum .b3 { animation-delay: .3s; }
@keyframes lst-pulse { from { transform: scaleY(1); } to { transform: scaleY(.75); } }
.lst-card:hover .ic-schutz svg { animation: lst-beat 1.1s ease-in-out infinite; }
@keyframes lst-beat { 0%, 100% { transform: scale(1); } 40% { transform: scale(1.1); } }
.lst-card:hover .ic-pension .sun { animation: lst-bob 1.6s ease-in-out infinite alternate; opacity: 1; }
@keyframes lst-bob { from { transform: translateY(0); } to { transform: translateY(-4px); } }
.lst-card:hover .ic-haus .door { animation: lst-door 1.2s ease-in-out infinite alternate; transform-box: fill-box; transform-origin: left; opacity: 1; }
@keyframes lst-door { to { transform: scaleX(.35); } }
.ic-lupe .glass { transform-box: view-box; transform-origin: 33px 34px; }
.lst-card:hover .ic-lupe .glass { animation: lst-search 1.6s ease-in-out infinite; }
@keyframes lst-search { 0%, 100% { transform: translate(0,0); } 33% { transform: translate(-6px,-5px); } 66% { transform: translate(-2px,-11px); } }

@media (max-width: 960px) { .lst-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .lst-grid { grid-template-columns: 1fr; } .lst-card { padding: 28px 24px; } }
@media (prefers-reduced-motion: reduce) {
  .lst-card .draw, .lst-card .bar, .lst-card .sun, .lst-card .door { animation: none !important; stroke-dashoffset: 0 !important; transform: none !important; opacity: 1 !important; }
  .lst-card:hover * { animation: none !important; }
}
@media print { .lst-card .draw { stroke-dashoffset: 0 !important; } .lst-card .bar, .lst-card .sun, .lst-card .door { transform: none !important; opacity: 1 !important; } }

/* Startseite: Zitat */
.zitat-sec { padding: 90px 0; }
.zitat { max-width: 920px; margin: 0 auto; text-align: center; padding: 56px 48px 46px; border: 1.5px solid var(--gold-dark); outline: 1px solid rgba(168,134,47,.45); outline-offset: 10px; background: #fbf8ef; position: relative; z-index: 1; }
.zitat-mark { width: 54px; height: 40px; fill: var(--gold-dark); margin-bottom: 26px; }
.zitat blockquote p { font-size: clamp(21px, 2.6vw, 28px); line-height: 1.5; font-weight: 400; color: var(--green-800); font-style: italic; }
.zitat figcaption { display: flex; align-items: center; justify-content: center; gap: 14px; margin-top: 30px; font-size: 16px; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-dark); }
.zitat figcaption span { width: 40px; height: 1px; background: var(--gold-dark); }
.js .zitat.in .zitat-mark { animation: lst-fade .8s ease both .2s; }
@media (max-width: 620px) { .zitat { padding: 40px 22px 34px; outline-offset: 6px; } }

/* Ratgeber: mehr Luft nach den Quellen, Druck-Button */
.article { padding-bottom: 96px; }
.art-actions { margin-top: 36px; display: flex; justify-content: center; }
.art-actions .art-print { display: inline-flex; align-items: center; gap: 10px; }
.art-actions .art-print svg { width: 20px; height: 20px; }
@media (max-width: 600px) { .article { padding-bottom: 70px; } }
@media print {
  .art-actions { display: none !important; }
  .page-hero.art-hero { display: block !important; background: #fff !important; padding: 0 0 12px !important; min-height: 0 !important; }
  .art-hero .gold-lines, .art-hero .breadcrumb { display: none !important; }
  .art-hero h1 { color: #0a3d25 !important; -webkit-text-fill-color: #0a3d25 !important; background: none !important; font-size: 20pt !important; text-align: left; }
  .art-hero .art-meta { color: #4a5e50 !important; text-align: left; }
  .article { padding: 0 !important; }
  .article ~ section { display: none !important; }
}

/* Jakob-Portrait: weniger Luft über dem Kopf */
.portrait img[src*="jakob-taschl"] { object-position: 50% 100%; }

/* width/height-Attribute: Seitenverhältnis kommt aus CSS */
.member img { height: auto; }

/* Pensionsrechner: Info-Fragezeichen, Auswahlfeld, Hinweisbox, Quellen */
.info-btn { display: inline-flex; align-items: center; justify-content: center; width: 20px; height: 20px; margin-left: 6px; padding: 0; border-radius: 50%; border: 1px solid rgba(217,184,92,.65); background: transparent; color: var(--gold-light); font-family: inherit; font-weight: 600; font-size: 12px; line-height: 1; cursor: pointer; vertical-align: middle; letter-spacing: 0; text-transform: none; transition: background .2s, color .2s; }
.info-btn:hover, .info-btn[aria-expanded="true"] { background: var(--gold); color: #062b1a; }
.info-btn:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 2px; }
.info-pop { display: block; margin-top: 6px; padding: 10px 12px; background: rgba(217,184,92,.1); border-left: 3px solid var(--gold); border-radius: 6px; font-size: 14px; line-height: 1.45; color: var(--text-light); text-transform: none; letter-spacing: 0; }
.info-pop[hidden] { display: none; }
.kr-tile .info-pop { margin-top: 10px; }
.kr-key .info-btn { margin-left: 2px; flex: none; }
.input-wrap select { flex: 1; min-width: 0; background: transparent; border: 0; outline: 0; color: var(--text-light); font: inherit; font-size: 20px; padding: 12px 14px; cursor: pointer; -webkit-appearance: none; appearance: none; }
.input-wrap select option { color: #062b1a; background: #fff; }
.pl-chart-note { margin: -4px 0 18px; font-size: 14px; color: var(--text-muted); }
.pl-notice { background: #072f1d; border: 1px solid rgba(217,184,92,.4); border-radius: var(--radius); padding: 20px 22px; margin: 22px 0 14px; }
.pl-notice h3 { margin: 0 0 10px; font-size: 18px; color: var(--gold-light); }
.pl-notice p { margin: 0 0 9px; font-size: 15px; line-height: 1.55; color: var(--text-light); }
.pl-notice .pl-model { margin: 14px 0 0; padding-top: 12px; border-top: 1px solid rgba(217,184,92,.3); font-size: 14px; color: var(--text-muted); }
.pl-sources { margin-top: 16px; font-size: 14px; color: var(--text-muted); }
.pl-sources-title { margin: 0 0 6px; letter-spacing: .08em; text-transform: uppercase; font-size: 12.5px; color: var(--gold-light); }
.pl-sources ul { margin: 0; padding-left: 18px; }
.pl-sources a { color: var(--gold-light); }
@media print {
  .pl-notice { background: #fff !important; border-color: #c9a24a !important; }
  .pl-notice h3, .pl-notice p, .pl-sources, .pl-sources a, .pl-chart-note { color: #3f5446 !important; }
  .info-btn, .info-pop { display: none !important; }
}
.input-wrap select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2.5 4.5 6 8l3.5-3.5' fill='none' stroke='%23f0d98c' stroke-width='1.5'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 12px; padding-right: 34px; }

/* Kreditrechner: Schieberegler unter den Feldern, Zusatzzeile, Hinweis */
.kc-form .field input[type="range"] { margin-top: 2px; }
.kc-davon { margin: -4px 0 20px; font-size: 14px; color: var(--text-muted); text-align: center; }
.kc-notice { margin-top: 36px; }
.kc-notice .fineprint { margin: 0 0 10px; }
.field > span .lc { text-transform: none; font-style: normal; letter-spacing: 0; }

/* Pensionsrechner: Eingabefelder jeder Reihe beginnen auf derselben Höhe, egal wie lang die Beschriftung ist.
   Jedes Feld nutzt dieselben drei Zeilen (Beschriftung / Eingabe / Hinweis) des Formulars (Subgrid). */
.info-pop a { color: var(--gold-light); text-decoration: underline; }
@supports (grid-template-rows: subgrid) {
  .pl-form { row-gap: 0; column-gap: 18px; }
  .pl-form .field { grid-row: span 3; grid-template-rows: subgrid; row-gap: 8px; align-content: start; margin-bottom: 18px; }
  .pl-form .field > span { align-self: end; }
  .pl-form .field > .input-wrap { align-self: start; }
}
.pl-form .input-wrap { min-height: 64px; }
.field-extra { display: grid; gap: 6px; min-width: 0; }
.legal ul { list-style: disc; padding-left: 22px; margin: 0 0 12px; color: #3f5446; }
.legal li { margin-bottom: 4px; }
.wa-float { transition: opacity .25s ease, transform .25s ease, box-shadow .2s; }
.wa-float.wa-hidden { opacity: 0; pointer-events: none; transform: translateY(12px); visibility: hidden; transition: opacity .25s ease, transform .25s ease, visibility 0s .25s; }