/* =========================================================
   Finanzberatung – Vertrauens-Layout
   Mobile first: 360px Handy -> 768px Tablet -> 1100px+ Desktop
   Keine externen Fonts/CDNs (Ladezeit + DSGVO).
   ========================================================= */

:root{
  --navy:#0d2b45;
  --navy-dark:#07192a;
  --navy-soft:#17416a;
  --gold:#b8944d;
  --gold-hell:#d9bd7f;
  --sand:#f7f4ee;
  --weiss:#ffffff;
  --text:#1c2530;
  --muted:#5c6b7a;
  --linie:#e2dfd8;
  --gruen:#2f7a52;

  --serif:Georgia,"Iowan Old Style","Times New Roman",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;

  --wrap:1180px;
  --r:10px;
  --schatten:0 1px 2px rgba(13,43,69,.06), 0 8px 24px rgba(13,43,69,.07);
  --schatten-gross:0 20px 50px rgba(13,43,69,.13);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--sans);
  font-size:clamp(1rem,.97rem + .18vw,1.075rem);
  line-height:1.65;
  color:var(--text);
  background:var(--weiss);
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-color:rgba(184,148,77,.5);text-underline-offset:3px}
a:hover{color:var(--navy-soft)}

h1,h2,h3{font-family:var(--serif);line-height:1.2;letter-spacing:-.01em;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(1.85rem,1.35rem + 2.4vw,3.1rem)}
h2{font-size:clamp(1.45rem,1.15rem + 1.4vw,2.1rem)}
h3{font-size:clamp(1.1rem,1.02rem + .4vw,1.3rem)}
p{margin:0 0 1em}
.muted{color:var(--muted)}
.klein{font-size:.86rem}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 clamp(1rem,4vw,2rem)}
section{padding:clamp(2.5rem,6vw,5rem) 0}

.skip{position:absolute;left:-9999px}
.skip:focus{left:1rem;top:1rem;z-index:99;background:var(--gold);color:#fff;padding:.6rem 1rem;border-radius:var(--r)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* ---------------------------------------------- Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  min-height:48px;padding:.75rem 1.4rem;
  border-radius:var(--r);border:1.5px solid transparent;
  font-weight:600;font-size:1rem;text-decoration:none;
  cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;
}
.btn-gold{background:var(--gold);color:#fff;box-shadow:0 6px 18px rgba(184,148,77,.3)}
.btn-gold:hover{background:#a5833f;color:#fff;transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-soft);color:#fff}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-outline:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-hell{background:#fff;color:var(--navy);border-color:var(--linie)}
.btn-hell:hover{border-color:var(--gold);color:var(--navy)}

/* ---------------------------------------------- Kopf / Navigation */
.kopf{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.96);backdrop-filter:blur(8px);
  border-bottom:1px solid var(--linie);
}
.kopf-inner{display:flex;align-items:center;gap:1rem;min-height:70px;flex-wrap:wrap}
.marke{display:flex;align-items:center;gap:.65rem;text-decoration:none;margin-right:auto;color:var(--navy)}
.marke-icon{color:var(--gold);flex:none;display:flex}
.marke-text strong{display:block;font-family:var(--serif);font-size:1.12rem;line-height:1.15;color:var(--navy)}
.marke-text small{display:block;font-size:.72rem;color:var(--muted);letter-spacing:.02em}

.burger{display:flex;flex-direction:column;justify-content:center;gap:5px;width:48px;height:48px;cursor:pointer;padding:.6rem}
.burger span{display:block;height:2px;background:var(--navy);border-radius:2px;transition:.2s}
.nav-toggle:checked ~ .nav{display:flex}
.nav-toggle:checked + .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle:checked + .burger span:nth-child(2){opacity:0}
.nav-toggle:checked + .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.nav{display:none;flex-direction:column;width:100%;padding:.5rem 0 1rem;gap:.15rem}
.nav a{
  padding:.85rem .25rem;text-decoration:none;font-weight:500;
  border-bottom:1px solid var(--linie);color:var(--navy);
}
.nav a:last-child{border-bottom:0}
.nav-cta{margin-top:.75rem;color:#fff}

@media(min-width:900px){
  .burger{display:none}
  .nav{display:flex!important;flex-direction:row;align-items:center;width:auto;padding:0;gap:.35rem}
  .nav a{border-bottom:0;padding:.55rem .8rem;border-radius:var(--r);font-size:.97rem}
  .nav a:hover{background:var(--sand)}
  .nav-cta{margin-top:0;margin-left:.5rem}
  .nav-cta:hover{background:#a5833f}
}

/* ---------------------------------------------- Hero */
.hero{
  background:linear-gradient(160deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:#fff;position:relative;overflow:hidden;
  padding:clamp(2.5rem,7vw,5.5rem) 0;
}
.hero::after{
  content:"";position:absolute;inset:auto -10% -40% auto;width:min(60vw,520px);aspect-ratio:1;
  background:radial-gradient(circle,rgba(184,148,77,.22),transparent 65%);pointer-events:none;
}
.hero h1{color:#fff;margin-bottom:.35em}
.hero-grid{display:grid;gap:clamp(1.75rem,4vw,3rem);align-items:center}
@media(min-width:940px){.hero-grid{grid-template-columns:1.05fr .95fr}}
.hero-lead{font-size:clamp(1.05rem,1rem + .4vw,1.28rem);color:#dbe6f0;max-width:38ch}
.hero-btns{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.6rem}
.hero-punkte{list-style:none;margin:1.8rem 0 0;padding:0;display:grid;gap:.55rem}
.hero-punkte li{position:relative;padding-left:1.75rem;color:#cfdcea;font-size:.97rem}
.hero-punkte li::before{
  content:"";position:absolute;left:0;top:.45em;width:12px;height:7px;
  border-left:2px solid var(--gold-hell);border-bottom:2px solid var(--gold-hell);transform:rotate(-45deg);
}
.hero-bild{border-radius:14px;overflow:hidden;box-shadow:var(--schatten-gross);aspect-ratio:4/3}
.hero-bild img{width:100%;height:100%;object-fit:cover}

/* ---------------------------------------------- Vertrauens-Leiste */
.trust-leiste{background:var(--sand);border-bottom:1px solid var(--linie);padding:1.25rem 0}
.trust-leiste ul{list-style:none;margin:0;padding:0;display:grid;gap:.6rem 1.5rem;grid-template-columns:1fr}
@media(min-width:640px){.trust-leiste ul{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.trust-leiste ul{grid-template-columns:repeat(4,1fr)}}
.trust-leiste li{display:flex;gap:.55rem;align-items:flex-start;font-size:.93rem;font-weight:600;color:var(--navy)}
.trust-leiste li span{color:var(--gold);flex:none;font-size:1.05rem;line-height:1.3}

/* ---------------------------------------------- Karten-Raster */
.raster{display:grid;gap:1.1rem;grid-template-columns:1fr}
@media(min-width:600px){.raster{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.raster{grid-template-columns:repeat(3,1fr)}}
.raster-2{display:grid;gap:1.25rem;grid-template-columns:1fr}
@media(min-width:800px){.raster-2{grid-template-columns:repeat(2,1fr)}}

.karte{
  background:#fff;border:1px solid var(--linie);border-radius:var(--r);
  padding:1.4rem;display:flex;flex-direction:column;gap:.5rem;
  transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease;
  text-decoration:none;color:inherit;
}
.karte:hover{border-color:var(--gold);box-shadow:var(--schatten);transform:translateY(-2px)}
.karte h3{margin:0}
.karte p{margin:0;color:var(--muted);font-size:.95rem}
.karte-mehr{margin-top:auto;padding-top:.75rem;color:var(--gold);font-weight:600;font-size:.92rem}
.karte-bild{margin:-1.4rem -1.4rem .9rem;border-radius:var(--r) var(--r) 0 0;overflow:hidden;aspect-ratio:16/10}
.karte-bild img{width:100%;height:100%;object-fit:cover}

.sektion-kopf{max-width:62ch;margin-bottom:clamp(1.75rem,4vw,2.75rem)}
.sektion-kopf p{color:var(--muted);font-size:1.05rem;margin:0}
.zentriert{text-align:center;margin-left:auto;margin-right:auto}

.dunkel{background:var(--navy);color:#dbe6f0}
.dunkel h2,.dunkel h3{color:#fff}
.dunkel .karte{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12);color:#dbe6f0}
.dunkel .karte h3{color:#fff}
.dunkel .karte p{color:#b9cadb}
.dunkel .karte:hover{border-color:var(--gold-hell)}
.sand{background:var(--sand)}

/* ---------------------------------------------- Prozess */
.prozess{list-style:none;margin:0;padding:0;display:grid;gap:1.25rem;counter-reset:schritt}
@media(min-width:800px){.prozess{grid-template-columns:repeat(4,1fr);gap:1.5rem}}
.prozess li{position:relative;padding-top:2.9rem;counter-increment:schritt}
.prozess li::before{
  content:counter(schritt);position:absolute;top:0;left:0;
  width:2.2rem;height:2.2rem;border-radius:50%;
  background:var(--gold);color:#fff;font-weight:700;
  display:flex;align-items:center;justify-content:center;font-size:.95rem;
}
.prozess h3{margin:0 0 .3rem;font-size:1.08rem}
.prozess p{margin:0;color:var(--muted);font-size:.94rem}

/* ---------------------------------------------- Listen */
.haken{list-style:none;margin:0;padding:0;display:grid;gap:.7rem}
.haken li{position:relative;padding-left:1.9rem}
.haken li::before{
  content:"";position:absolute;left:.15rem;top:.4em;width:12px;height:7px;
  border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg);
}

/* ---------------------------------------------- FAQ */
.faq{display:grid;gap:.75rem;max-width:75ch}
.faq details{
  border:1px solid var(--linie);border-radius:var(--r);background:#fff;
  transition:border-color .18s ease;
}
.faq details[open]{border-color:var(--gold)}
.faq summary{
  cursor:pointer;list-style:none;padding:1.05rem 3rem 1.05rem 1.15rem;
  font-weight:600;color:var(--navy);position:relative;font-size:1.02rem;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:1.2rem;top:1.45rem;
  width:9px;height:9px;border-right:2px solid var(--gold);border-bottom:2px solid var(--gold);
  transform:rotate(45deg);transition:transform .2s ease;
}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq .antwort{padding:0 1.15rem 1.2rem;color:var(--muted);margin:0}

/* ---------------------------------------------- Fakten (GEO/LLM) */
.fakten{border-left:3px solid var(--gold);background:var(--sand);padding:1.1rem 1.25rem;border-radius:0 var(--r) var(--r) 0}
.fakten ul{margin:.4rem 0 0;padding-left:1.1rem}
.fakten li{margin-bottom:.35rem}
.fakten strong{color:var(--navy)}

/* ---------------------------------------------- Standorte / Stadtteile */
.stadt-raster{display:grid;gap:1rem;grid-template-columns:1fr}
@media(min-width:560px){.stadt-raster{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.stadt-raster{grid-template-columns:repeat(3,1fr)}}
.chips{display:flex;flex-wrap:wrap;gap:.45rem;margin:0;padding:0;list-style:none}
.chips a{
  display:inline-block;padding:.42rem .8rem;border-radius:999px;
  background:var(--sand);border:1px solid var(--linie);
  font-size:.87rem;text-decoration:none;color:var(--navy);
}
.chips a:hover{border-color:var(--gold);background:#fff}
.dunkel .chips a{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.15);color:#e8eef4}
.dunkel .chips a:hover{border-color:var(--gold-hell)}

.brotkrumen{font-size:.85rem;color:var(--muted);padding:1rem 0 0}
.brotkrumen a{color:var(--muted)}
.brotkrumen span{margin:0 .35rem;opacity:.5}

/* ---------------------------------------------- Formular */
.formular{display:grid;gap:1rem;background:#fff;border:1px solid var(--linie);border-radius:var(--r);padding:clamp(1.25rem,4vw,2rem);box-shadow:var(--schatten)}
.feld{display:grid;gap:.35rem}
.feld label{font-weight:600;font-size:.92rem;color:var(--navy)}
.feld input,.feld select,.feld textarea{
  font:inherit;padding:.8rem .9rem;min-height:48px;
  border:1.5px solid var(--linie);border-radius:var(--r);background:#fff;color:var(--text);
  width:100%;
}
.feld textarea{min-height:130px;resize:vertical}
.feld input:focus,.feld select:focus,.feld textarea:focus{border-color:var(--gold);outline:none}
.hp{position:absolute;left:-9999px}
@media(min-width:700px){.feld-paar{display:grid;grid-template-columns:1fr 1fr;gap:1rem}}
.hinweis-ok{background:#eaf5ef;border:1px solid var(--gruen);color:#1e5637;padding:1rem 1.1rem;border-radius:var(--r)}

/* ---------------------------------------------- Expose */
.expose-karte{background:#fff;border:1px solid var(--linie);border-radius:var(--r);overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column}
.expose-karte:hover{border-color:var(--gold);box-shadow:var(--schatten)}
.expose-bild{aspect-ratio:16/10;background:var(--sand)}
.expose-bild img{width:100%;height:100%;object-fit:cover}
.expose-body{padding:1.1rem;display:grid;gap:.4rem}
.expose-preis{font-family:var(--serif);font-size:1.3rem;color:var(--navy);font-weight:700}
.expose-daten{display:flex;flex-wrap:wrap;gap:.75rem;font-size:.88rem;color:var(--muted);margin:0;padding:0;list-style:none}
.leer{border:1.5px dashed var(--linie);border-radius:var(--r);padding:2.5rem 1.5rem;text-align:center;color:var(--muted)}

/* ---------------------------------------------- CTA-Band */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-soft) 100%);color:#fff;padding:clamp(2rem,5vw,3.25rem) 0}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band p{color:#cfdcea;margin:0;max-width:56ch}
.cta-band-inner{display:grid;gap:1.5rem;align-items:center}
@media(min-width:900px){.cta-band-inner{grid-template-columns:1.6fr 1fr}}
.cta-band-btns{display:flex;flex-wrap:wrap;gap:.75rem}
@media(min-width:900px){.cta-band-btns{justify-content:flex-end}}

/* ---------------------------------------------- Fuss */
.fuss{background:var(--navy-dark);color:#a9bdd0;padding:clamp(2.5rem,5vw,3.5rem) 0 1rem;font-size:.92rem}
.fuss strong{color:#fff;display:block;margin-bottom:.75rem;font-family:var(--serif);font-size:1.02rem}
.fuss a{color:#a9bdd0;text-decoration:none}
.fuss a:hover{color:var(--gold-hell)}
.fuss ul{list-style:none;margin:0;padding:0;display:grid;gap:.4rem}
.fuss-grid{display:grid;gap:2rem;grid-template-columns:1fr}
@media(min-width:640px){.fuss-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.fuss-grid{grid-template-columns:1.2fr 1fr 1fr 1.2fr}}
.fuss .muted{color:#7d94a9}
.fuss-unten{display:flex;flex-wrap:wrap;gap:.75rem 1.5rem;justify-content:space-between;align-items:center;
  border-top:1px solid rgba(255,255,255,.1);margin-top:2rem;padding-top:1.25rem;font-size:.85rem}
.fuss-unten nav{display:flex;gap:1.25rem;flex-wrap:wrap}

/* ---------------------------------------------- Mobile Sticky-Leiste */
.mobil-bar{
  position:fixed;bottom:0;left:0;right:0;z-index:60;
  display:grid;grid-template-columns:1fr 1fr;gap:1px;
  background:var(--linie);
  padding-bottom:env(safe-area-inset-bottom);
  box-shadow:0 -4px 20px rgba(13,43,69,.14);
}
.mobil-bar a{
  background:#fff;color:var(--navy);text-align:center;padding:.95rem .5rem;
  font-weight:700;text-decoration:none;font-size:.98rem;min-height:52px;
  display:flex;align-items:center;justify-content:center;
}
.mobil-bar a.prim{background:var(--gold);color:#fff}
body{padding-bottom:56px}
@media(min-width:900px){
  .mobil-bar{display:none}
  body{padding-bottom:0}
}

/* ---------------------------------------------- Prosa / Rechtstexte */
.prosa{max-width:75ch}
.prosa h2{margin-top:2rem}
.prosa ul{padding-left:1.2rem}
.prosa li{margin-bottom:.4rem}
.bild-credit{font-size:.75rem;color:var(--muted);margin-top:.4rem}

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

/* ---------------------------------------------- Kontaktkanaele */
.kanaele{display:flex;flex-wrap:wrap;gap:.6rem;margin:1rem 0 .5rem}
.btn-kanal{background:#fff;color:var(--navy);border-color:var(--linie);font-weight:600}
.btn-kanal:hover{border-color:var(--gold);color:var(--navy)}
.btn-kanal.wa{color:#128c7e;border-color:#c8e6e1}
.btn-kanal.wa:hover{background:#f0faf8;color:#0f7a6c}
.btn-kanal.tg{color:#2481cc;border-color:#cfe4f5}
.btn-kanal.tg:hover{background:#f2f8fd;color:#1f6fb0}
.kanal-hinweis{max-width:62ch;margin:.25rem 0 0}

/* ---------------------------------------------- Terminplaner */
.slot-liste{display:grid;gap:.75rem}
.slot-tag{border:1px solid var(--linie);border-radius:var(--r);padding:.85rem 1rem;background:#fff}
.slot-datum{display:block;font-weight:700;color:var(--navy);margin-bottom:.55rem;font-size:.95rem}
.slot-zeiten{display:flex;flex-wrap:wrap;gap:.45rem}
.slot input{position:absolute;opacity:0;width:0;height:0}
.slot span{
  display:inline-flex;align-items:center;justify-content:center;
  min-width:72px;min-height:44px;padding:.4rem .75rem;
  border:1.5px solid var(--linie);border-radius:var(--r);
  font-weight:600;font-size:.95rem;cursor:pointer;background:#fff;
  font-variant-numeric:tabular-nums;transition:.15s;
}
.slot span:hover{border-color:var(--gold)}
.slot input:checked + span{background:var(--gold);border-color:var(--gold);color:#fff}
.slot input:focus-visible + span{outline:3px solid var(--gold);outline-offset:2px}

/* ---------------------------------------------- Fahrzeug-Filter */
.filter{display:grid;gap:.85rem;align-items:end;background:var(--sand);
        border:1px solid var(--linie);border-radius:var(--r);padding:1.1rem;margin-bottom:1.75rem}
@media(min-width:700px){.filter{grid-template-columns:1fr 1fr auto}}

/* ---------------------------------------------- Hinweise */
.hinweis-fehler{background:#fdecea;border:1px solid #d64b3f;color:#8f2a20;
                padding:.85rem 1rem;border-radius:var(--r);margin:0}
.hinweis-warn{background:#fdf6e3;border:1px solid var(--gold);color:#6b5219;
              padding:.9rem 1.1rem;border-radius:var(--r);margin-bottom:1.5rem}

/* ---------------------------------------------- Werbeflächen (Trennungsgebot!) */
.werbung{
  position:relative;margin:2rem 0;padding:1.5rem 1.25rem 1.25rem;
  border:1px solid var(--linie);border-radius:var(--r);background:var(--sand);
}
.werbung-label{
  position:absolute;top:.5rem;left:1.25rem;
  font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--muted);
}
.werbung-haus{display:grid;gap:.35rem;text-decoration:none;color:inherit}
.werbung-haus strong{font-family:var(--serif);font-size:1.15rem;color:var(--navy)}
.werbung-haus span{color:var(--muted);font-size:.95rem}
.werbung-haus em{font-style:normal;font-weight:600;color:var(--gold);font-size:.92rem;margin-top:.2rem}
.werbung-haus:hover strong{color:var(--navy-soft)}

/* ---------------------------------------------- Rechner & Konverter */
.datenschutz-siegel{
  border-left:3px solid var(--gruen);background:#f0f7f3;
  padding:.9rem 1.1rem;border-radius:0 var(--r) var(--r) 0;
  max-width:75ch;font-size:.95rem;margin-bottom:2rem;
}
.rechner-raster{display:grid;gap:1.5rem;align-items:start}
@media(min-width:900px){.rechner-raster{grid-template-columns:minmax(0,1fr) minmax(0,1.05fr)}}

.ergebnis,.ausgabe{
  background:#fff;border:1px solid var(--linie);border-radius:var(--r);
  padding:clamp(1.1rem,3vw,1.6rem);box-shadow:var(--schatten);
}
.ausgabe.ok{border-color:var(--gruen)}
.ausgabe.fehler{border-color:#d64b3f}

.kacheln{display:grid;gap:1px;background:var(--linie);border:1px solid var(--linie);
  border-radius:var(--r);overflow:hidden;grid-template-columns:repeat(2,1fr);margin-bottom:1.25rem}
.kachel{background:#fff;padding:.85rem 1rem}
.kachel span{display:block;font-size:.78rem;color:var(--muted);margin-bottom:.15rem}
.kachel strong{font-family:var(--serif);font-size:1.35rem;color:var(--navy);
  font-variant-numeric:tabular-nums;line-height:1.15;display:block}

.tab{width:100%;border-collapse:collapse;font-size:.92rem}
.tab th,.tab td{text-align:right;padding:.5rem .6rem;border-bottom:1px solid var(--linie);
  font-variant-numeric:tabular-nums}
.tab th:first-child,.tab td:first-child{text-align:left}
.tab th{font-size:.74rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted)}
.tab tr.markiert{background:var(--sand)}
.tab tr.markiert td{font-weight:600}

.deutung{font-size:.95rem;color:var(--muted);border-left:3px solid var(--gold);
  padding-left:.9rem;margin:1.25rem 0}
.rechner-cta{background:var(--sand);border:1px solid var(--linie);border-radius:var(--r);
  padding:1.15rem;margin-top:1.5rem}
.rechner-cta p{margin:0 0 .5rem}
.vorschau{background:var(--navy-dark);color:#cfe0ee;padding:.9rem;border-radius:var(--r);
  overflow-x:auto;font-size:.8rem;max-height:260px}
input[type=range]{width:100%;accent-color:var(--gold);min-height:auto;padding:0;border:0}
input[type=file]{padding:.65rem;background:var(--sand);cursor:pointer}