/* anschlussfinanzierungonline.com – eigenständige Marke.
   Nachtblau, Blau und Gold. Gold ist nur Fläche, nie Text auf Weiß. */

@font-face { font-family: "Open Sans"; src: url("OpenSans-400.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Open Sans"; src: url("OpenSans-600.woff2") format("woff2"); font-weight: 600; font-style: normal; font-display: swap; }
@font-face { font-family: "Open Sans"; src: url("OpenSans-700.woff2") format("woff2"); font-weight: 700; font-style: normal; font-display: swap; }

:root {
  --blau: #08598c;        /* Logo-Blau, 7,0:1 auf Weiß */
  --blau-hell: #e6f0f7;
  --nacht: #0a2c44;       /* Bühne, dunkle Flächen */
  --nacht-2: #0f3a58;
  --gold: #f2a10e;        /* nur Fläche */
  --gold-hell: #fdf1d9;
  --gold-text: #875600;   /* Gold als Schrift auf Weiß, 5,6:1 */
  --tinte: #16222d;
  --text: #2b3a47;
  --leise: #56636f;       /* 5,9:1 auf Weiß */
  --papier: #f3f6f9;
  --weiss: #ffffff;
  --linie: #d5dfe8;
  --fehler: #b3261e;
  --ok: #1e6b3a;
  --radius: 10px;
  --breite: 1160px;
  --schrift: "Open Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }

body {
  margin: 0;
  background: var(--weiss);
  color: var(--text);
  font: 400 17px/1.65 var(--schrift);
}
img, svg { max-width: 100%; }
h1, h2, h3 { color: var(--tinte); line-height: 1.2; text-wrap: balance; margin: 0; }
h1 { font-size: clamp(2rem, 4.4vw, 3.25rem); font-weight: 700; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.65rem, 3vw, 2.35rem); font-weight: 700; letter-spacing: -0.015em; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0; }
a { color: var(--blau); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.skip { position: absolute; left: -9999px; top: 8px; background: var(--tinte); color: #fff; padding: 10px 16px; z-index: 100; }
.skip:focus { left: 16px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.wrap { max-width: var(--breite); margin: 0 auto; padding-inline: 24px; }
@media (max-width: 600px) { .wrap { padding-inline: 16px; } }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--blau);
}
.lead { font-size: 1.15rem; color: var(--leise); max-width: 62ch; }
.abschnitt { padding-block: 96px; }
.abschnitt--papier { background: var(--papier); }
.abschnitt-kopf { display: grid; gap: 14px; max-width: 760px; margin-bottom: 48px; }
@media (max-width: 700px) { .abschnitt { padding-block: 64px; } .abschnitt-kopf { margin-bottom: 32px; } }

/* ---------- Knöpfe ---------- */
.knopf {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 12px 24px;
  font: 700 1rem/1.2 var(--schrift);
  border-radius: 8px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer;
  transition: transform .15s ease, background-color .15s ease, box-shadow .15s ease;
}
.knopf:hover { transform: translateY(-1px); text-decoration: none; }
.knopf svg { width: 20px; height: 20px; flex: none; }
.knopf--gold { background: var(--gold); color: var(--tinte); box-shadow: 0 6px 18px -8px rgba(242,161,14,.8); }
.knopf--gold:hover { background: #f7b23a; }
.knopf--blau { background: var(--blau); color: #fff; }
.knopf--blau:hover { background: #064a75; }
.knopf--rand { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.knopf--rand:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.knopf--rand-dunkel { background: #fff; color: var(--blau); border-color: var(--blau); }
.knopf--rand-dunkel:hover { background: var(--blau-hell); }
.knopf[disabled] { opacity: .6; cursor: progress; transform: none; }

/* ---------- Kopfzeile ---------- */
.kopf {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: saturate(1.4) blur(8px);
  border-bottom: 1px solid var(--linie);
}
.kopf .wrap { display: flex; align-items: center; gap: 28px; min-height: 72px; }
.marke { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--tinte); margin-right: auto; }
.marke svg { width: 40px; height: 40px; flex: none; }
.marke-text { display: grid; line-height: 1.15; }
.marke-name { font-size: 1.12rem; font-weight: 700; letter-spacing: -0.01em; }
.marke-name span { color: var(--gold-text); font-weight: 600; }
.marke-zusatz { font-size: 0.68rem; font-weight: 600; color: var(--leise); letter-spacing: 0.12em; text-transform: uppercase; }
.kopf nav { margin-left: 48px; } /* Mindestabstand zum Logo */
.kopf nav ul { display: flex; gap: 24px; list-style: none; margin: 0; padding: 0; }
.kopf nav a { color: var(--tinte); text-decoration: none; font-weight: 600; font-size: 0.95rem; white-space: nowrap; }
.kopf nav a:hover { color: var(--blau); text-decoration: underline; }
.kopf-tel { display: flex; align-items: center; gap: 8px; color: var(--tinte); font-weight: 700; text-decoration: none; white-space: nowrap; }
.kopf-tel svg { width: 20px; height: 20px; color: var(--blau); }
.kopf .knopf { min-height: 44px; padding: 10px 18px; font-size: 0.95rem; white-space: nowrap; }
@media (max-width: 1150px) { .kopf nav { display: none; } }
@media (max-width: 720px) {
  .kopf-tel-nummer { display: none; }
  .kopf .knopf { display: none; }
  .marke-zusatz { font-size: 0.7rem; }
  .marke-name { font-size: 1rem; }
  .kopf-tel { border: 2px solid var(--linie); border-radius: 8px; padding: 8px; }
}

/* ---------- Bühne ---------- */
.buehne {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1200px 500px at 85% -10%, rgba(8,89,140,.55), transparent 60%),
    linear-gradient(180deg, var(--nacht) 0%, #0b3150 100%);
  color: #dbe7f1;
  padding-block: 72px 88px;
}
.buehne::after { /* feine Zinslinien im Hintergrund */
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background-image: repeating-linear-gradient(0deg, rgba(255,255,255,.035) 0 1px, transparent 1px 56px);
}
.buehne .wrap { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: 56px; align-items: center; }
.buehne h1 { color: #fff; }
.buehne h1 em { font-style: normal; color: var(--gold); }
.buehne .eyebrow { color: #9fc6e4; }
.buehne-text { display: grid; gap: 22px; }
.buehne-text .lead { color: #c9d9e6; }
.buehne-knoepfe { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 6px; }
.buehne-punkte { display: flex; flex-wrap: wrap; gap: 10px 24px; list-style: none; padding: 0; margin: 8px 0 0; font-size: 0.95rem; color: #c9d9e6; }
.buehne-punkte li { display: flex; align-items: center; gap: 8px; }
.buehne-punkte svg { width: 18px; height: 18px; color: var(--gold); flex: none; }
.zahl-60 { display: flex; align-items: baseline; gap: 14px; }
@media (max-width: 960px) { .buehne .wrap { grid-template-columns: 1fr; gap: 40px; } .buehne { padding-block: 48px 64px; } }

/* ---------- Zeitfenster-Rechner ---------- */
.rechner {
  background: var(--weiss); color: var(--text);
  border-radius: 14px; padding: 28px;
  box-shadow: 0 30px 60px -30px rgba(0,0,0,.55), 0 0 0 1px rgba(255,255,255,.1);
  display: grid; gap: 18px;
}
.rechner-kopf { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.rechner-kopf h2 { font-size: 1.25rem; }
.rechner-hinweis { font-size: 0.78rem; color: var(--leise); }
.rechner-felder { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.rechner .ergebnis { display: grid; gap: 4px; padding: 16px 18px; border-radius: var(--radius); background: var(--blau-hell); }
.ergebnis-titel { font-weight: 700; color: var(--tinte); font-size: 1.05rem; }
.ergebnis-text { font-size: 0.95rem; }
.ergebnis[data-zustand="offen"] { background: #e3f3e8; }
.ergebnis[data-zustand="offen"] .ergebnis-titel { color: var(--ok); }
.ergebnis[data-zustand="vorbei"] { background: #fbe9e7; }
.ergebnis[data-zustand="vorbei"] .ergebnis-titel { color: var(--fehler); }

.zeitleiste { position: relative; height: 112px; margin-top: 4px; font-variant-numeric: tabular-nums; }
.zl-schiene { position: absolute; left: 0; right: 0; top: 50px; height: 10px; border-radius: 5px; background: #e4ebf1; }
.zl-fenster { position: absolute; top: 50px; height: 10px; border-radius: 5px; background: repeating-linear-gradient(135deg, var(--gold) 0 6px, #f6b848 6px 12px); transition: left .35s ease, width .35s ease; }
.zl-punkt { position: absolute; bottom: calc(100% - 60px); transform: translateX(-50%); display: flex; flex-direction: column; align-items: center; gap: 1px; line-height: 1.25; transition: left .35s ease; }
.zl-punkt::after { content: ""; width: 2px; height: 14px; margin-top: 3px; background: currentColor; }
.zl-punkt b { font-size: 0.7rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; white-space: nowrap; }
.zl-punkt span { font-size: 0.8rem; white-space: nowrap; color: var(--leise); }
.zl-punkt.unten { bottom: auto; top: 50px; }
.zl-punkt.unten::after { order: -1; margin: 0 0 3px; height: 16px; }
.zl-heute { color: var(--blau); }
.zl-ende { color: var(--tinte); }
.zl-start { color: var(--gold-text); }
.zl-punkt.links { transform: translateX(-1px); align-items: flex-start; }
.zl-punkt.rechts { transform: translateX(calc(-100% + 1px)); align-items: flex-end; }
.rechner .knopf { width: 100%; }

.bewertung { display: inline-flex; flex-wrap: wrap; align-items: center; gap: 4px 10px; color: #dbe7f1; text-decoration: none; font-size: 0.93rem; }
.bewertung strong { color: #fff; }
.bewertung:hover span:last-child { text-decoration: underline; }
.sterne { color: var(--gold); letter-spacing: 2px; font-size: 1.05rem; }
.bewertung--hell { color: var(--text); }
.bewertung--hell strong { color: var(--tinte); }
.bewertung--hell .sterne { color: #d68a00; }

/* ---------- Formularelemente (allgemein) ---------- */
.feld { display: grid; gap: 6px; }
.feld label, .feld legend, .feld-titel { font-weight: 600; font-size: 0.92rem; color: var(--tinte); }
.feld .optional { font-weight: 400; color: var(--leise); }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea {
  width: 100%; min-height: 48px; padding: 10px 14px;
  font: 400 1rem/1.4 var(--schrift); color: var(--tinte);
  background: #fff; border: 1.5px solid #9fb0bf; border-radius: 8px;
}
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%2316222d' stroke-width='2'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 38px; }
textarea { min-height: 110px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--blau); box-shadow: 0 0 0 3px rgba(8,89,140,.2); }
.feld[data-fehler] input, .feld[data-fehler] select, .feld[data-fehler] textarea { border-color: var(--fehler); }
.fehlertext { color: var(--fehler); font-size: 0.85rem; font-weight: 600; }
.fehlertext:empty { display: none; }
.eingabe-euro { position: relative; }
.eingabe-euro input { padding-right: 40px; }
.eingabe-euro::after { content: "€"; position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--leise); font-weight: 600; }
fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
.wahl { display: flex; flex-wrap: wrap; gap: 10px; }
.wahl label { display: inline-flex; align-items: center; gap: 10px; min-height: 48px; padding: 10px 16px; border: 1.5px solid #9fb0bf; border-radius: 8px; font-weight: 600; font-size: 0.95rem; color: var(--tinte); cursor: pointer; background: #fff; }
.wahl input { width: 18px; height: 18px; accent-color: var(--blau); margin: 0; }
.wahl label:has(input:checked) { border-color: var(--blau); background: var(--blau-hell); }
.wahl label:has(input:focus-visible) { outline: 3px solid var(--gold); outline-offset: 2px; }
.einwilligung { display: flex; gap: 12px; align-items: flex-start; font-size: 0.9rem; }
.einwilligung input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--blau); flex: none; }
.falle { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.zwei { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .zwei, .rechner-felder { grid-template-columns: 1fr; } }

/* ---------- Bankschreiben ---------- */
.problem { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 64px; align-items: start; }
.problem-text { display: grid; gap: 20px; }
.problem-text ul { display: grid; gap: 14px; list-style: none; padding: 0; margin: 4px 0 0; }
.problem-text li { display: grid; grid-template-columns: 28px 1fr; gap: 12px; }
.problem-text li svg { width: 24px; height: 24px; color: var(--blau); margin-top: 2px; }
@media (max-width: 960px) { .problem { grid-template-columns: 1fr; gap: 40px; } }

.brief-rahmen { position: relative; padding: 16px 120px 36px 0; }
.brief {
  position: relative; background: #fff; border: 1px solid var(--linie); border-radius: 4px;
  padding: 34px 32px 30px; font-size: 0.9rem; line-height: 1.6; color: #3a4550;
  box-shadow: 0 24px 50px -28px rgba(10,44,68,.45);
  transform: rotate(-1.2deg);
}
.brief-kopf { display: flex; justify-content: space-between; gap: 16px; font-size: 0.78rem; color: var(--leise); margin-bottom: 22px; }
.brief-bank { font-weight: 700; color: #6d7781; letter-spacing: .08em; text-transform: uppercase; }
.brief-betreff { font-weight: 700; color: var(--tinte); margin-bottom: 12px; }
.brief p + p { margin-top: 10px; }
.brief-tabelle { margin: 14px 0; border-top: 1px solid var(--linie); border-bottom: 1px solid var(--linie); padding: 10px 0; display: grid; gap: 4px; font-variant-numeric: tabular-nums; }
.brief-tabelle div { display: flex; justify-content: space-between; gap: 12px; }
.geschwaerzt { display: inline-block; min-width: 4.2em; height: 1em; vertical-align: -2px; border-radius: 2px; background: #cfd7de; }
.markiert { background: linear-gradient(transparent 55%, rgba(242,161,14,.45) 55%); padding: 0 2px; }
.notiz {
  position: absolute; z-index: 2; display: flex; gap: 10px; align-items: flex-start;
  max-width: 230px; padding: 10px 12px; border-radius: 8px;
  background: var(--gold-hell); border: 1px solid #f0cf8d; color: var(--tinte);
  font-size: 0.82rem; line-height: 1.4; box-shadow: 0 10px 24px -14px rgba(0,0,0,.4);
}
.notiz b { display: grid; place-items: center; flex: none; width: 22px; height: 22px; border-radius: 50%; background: var(--gold); font-size: 0.78rem; }
.notiz-1 { top: 0; right: 0; }
.notiz-2 { top: 42%; right: 0; }
.notiz-3 { bottom: 0; left: 24px; }
.notiz { max-width: 200px; }
@media (max-width: 600px) {
  .brief { transform: none; padding: 24px 18px; }
  .brief-rahmen { padding: 0; display: grid; gap: 10px; }
  .notiz { max-width: none; }
  .notiz { position: static; max-width: none; }
}

/* ---------- Zinsunterschied ---------- */
.differenz { margin-top: 72px; display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 40px; align-items: center; padding: 36px; border-radius: 14px; background: var(--nacht); color: #dbe7f1; }
.differenz h3 { color: #fff; font-size: 1.45rem; }
.differenz-text { display: grid; gap: 12px; }
.differenz-text p { color: #c9d9e6; }
.differenz-rechnung { display: grid; gap: 18px; }
.differenz .feld label { color: #fff; }
.differenz input[type="range"] { width: 100%; accent-color: var(--gold); min-height: 32px; }
.regler-kopf { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.regler-kopf output { font-weight: 700; color: #fff; font-variant-numeric: tabular-nums; }
.differenz-ergebnis { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.differenz-ergebnis div { background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius); padding: 14px 16px; display: grid; gap: 2px; }
.differenz-ergebnis span { font-size: 0.82rem; color: #b6cadb; }
.differenz-ergebnis output { font-size: 1.7rem; font-weight: 700; color: var(--gold); font-variant-numeric: tabular-nums; }
.differenz-fuss { font-size: 0.8rem; color: #a9bfd1; }
.differenz input[type="number"] { background: #fff; }
@media (max-width: 900px) { .differenz { grid-template-columns: 1fr; padding: 28px 20px; } }

/* ---------- Zinschart ---------- */
.zinschart { margin: 72px 0 0; display: grid; gap: 20px; }
.zc-kopf { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 20px 40px; }
.zc-text { display: grid; gap: 10px; max-width: 680px; }
.zc-text h3 { font-size: clamp(1.35rem, 2.4vw, 1.75rem); }
.zc-text p { color: var(--leise); }
.zc-zeitraum { display: inline-flex; padding: 4px; gap: 4px; border-radius: 10px; background: var(--papier); border: 1px solid var(--linie); }
.zc-zeitraum button { font: 600 0.88rem var(--schrift); color: var(--text); background: transparent; border: 0; border-radius: 7px; padding: 8px 14px; min-height: 40px; cursor: pointer; white-space: nowrap; }
.zc-zeitraum button[aria-pressed="true"] { background: #fff; color: var(--blau); box-shadow: 0 1px 3px rgba(10,44,68,.18); }
.zc-flaeche { position: relative; min-height: 300px; border: 1px solid var(--linie); border-radius: 12px; background: #fff; padding: 12px 8px 4px; touch-action: pan-y; }
.zc-flaeche svg { display: block; width: 100%; overflow: visible; font-family: var(--schrift); font-variant-numeric: tabular-nums; }
.zc-flaeche svg:focus-visible { outline: 3px solid var(--gold); outline-offset: 4px; border-radius: 6px; }
.zc-gitter { stroke: #e7edf2; stroke-width: 1; }
.zc-achse { fill: var(--leise); font-size: 12px; }
.zc-band { fill: var(--gold-hell); }
.zc-band-text { fill: var(--gold-text); font-size: 12px; font-weight: 700; letter-spacing: .04em; }
.zc-flaeche-fill { fill: rgba(8,89,140,.08); }
.zc-linie { fill: none; stroke: var(--blau); stroke-width: 2; stroke-linejoin: round; stroke-linecap: round; }
.zc-punkt { stroke: #fff; stroke-width: 2; }
.zc-punkt--ende { fill: var(--blau); }
.zc-punkt--tief { fill: var(--gold); }
.zc-marke { fill: var(--tinte); font-size: 13px; font-weight: 700; }
.zc-marke-klein { fill: var(--leise); font-size: 12px; }
.zc-kreuz { stroke: var(--tinte); stroke-width: 1; stroke-dasharray: 3 3; }
.zc-tip { position: absolute; z-index: 2; pointer-events: none; background: var(--tinte); color: #fff; font-size: 0.85rem; line-height: 1.35; padding: 8px 12px; border-radius: 8px; white-space: nowrap; box-shadow: 0 8px 20px -10px rgba(0,0,0,.5); font-variant-numeric: tabular-nums; }
.zc-tip b { display: block; font-size: 1rem; }
.zc-quelle { font-size: 0.8rem; color: var(--leise); max-width: 90ch; }
.zc-tabelle summary { cursor: pointer; font-weight: 600; color: var(--blau); font-size: 0.92rem; }
.zc-tabelle-rahmen { overflow-x: auto; margin-top: 12px; max-height: 360px; overflow-y: auto; border: 1px solid var(--linie); border-radius: 8px; }
.zc-tabelle table { border-collapse: collapse; width: 100%; font-size: 0.9rem; font-variant-numeric: tabular-nums; }
.zc-tabelle th, .zc-tabelle td { padding: 8px 14px; text-align: right; border-bottom: 1px solid var(--linie); }
.zc-tabelle th:first-child, .zc-tabelle td:first-child { text-align: left; }
.zc-tabelle thead th { position: sticky; top: 0; background: var(--papier); color: var(--tinte); }
@media (max-width: 600px) { .zinschart { margin-top: 56px; } .zc-flaeche { min-height: 260px; padding-inline: 4px; } }

/* ---------- Zeitfenster / Optionen ---------- */
.fahrplan { position: relative; display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 0; margin-bottom: 56px; }
.fahrplan::before { content: ""; position: absolute; left: 12px; right: 12px; top: 11px; height: 4px; border-radius: 2px; background: linear-gradient(90deg, var(--gold) 0%, var(--gold) 70%, var(--blau) 100%); }
.station { position: relative; padding-top: 40px; padding-right: 20px; display: grid; gap: 6px; align-content: start; }
.station::before { content: ""; position: absolute; top: 0; left: 0; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 4px solid var(--gold); }
.station:last-child::before { border-color: var(--blau); background: var(--blau); }
.station-zeit { font-size: 0.8rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-text); font-variant-numeric: tabular-nums; }
.station:last-child .station-zeit { color: var(--blau); }
.station p { font-size: 0.95rem; color: var(--leise); }
@media (max-width: 860px) {
  .fahrplan { grid-template-columns: 1fr; gap: 28px; padding-left: 40px; }
  .fahrplan::before { left: 11px; right: auto; top: 12px; bottom: 12px; width: 4px; height: auto; background: linear-gradient(180deg, var(--gold) 0%, var(--gold) 70%, var(--blau) 100%); }
  .station { padding-top: 0; padding-right: 0; }
  .station::before { left: -40px; }
}

.wege { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 20px; }
.weg { background: #fff; border: 1px solid var(--linie); border-radius: 12px; padding: 26px; display: grid; gap: 12px; align-content: start; }
.weg-kopf { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 6px 10px; }
.weg-kennung { font-size: 0.75rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: 3px 9px; border-radius: 99px; background: var(--papier); color: var(--leise); white-space: nowrap; }
.weg--empfohlen { border: 2px solid var(--blau); box-shadow: 0 18px 40px -26px rgba(8,89,140,.6); }
.weg--empfohlen .weg-kennung { background: var(--blau); color: #fff; }
.weg ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 8px; font-size: 0.95rem; }
.weg li { display: grid; grid-template-columns: 20px 1fr; gap: 10px; }
.weg li svg { width: 18px; height: 18px; margin-top: 4px; }
.plus svg { color: var(--ok); }
.minus svg { color: var(--leise); }
.hinweis-489 { margin-top: 28px; display: grid; grid-template-columns: auto 1fr; gap: 16px; align-items: start; padding: 20px 22px; border-radius: 12px; background: var(--blau-hell); max-width: 900px; }
.hinweis-489 svg { width: 26px; height: 26px; color: var(--blau); }
@media (max-width: 900px) { .wege { grid-template-columns: 1fr; } }

/* ---------- Angebot prüfen (Upload) ---------- */
.pruefen { background: linear-gradient(180deg, #fff8ea 0%, var(--gold-hell) 100%); border-top: 1px solid #f3dcae; border-bottom: 1px solid #f3dcae; }
.pruefen-raster { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: 56px; align-items: start; }
.pruefen-text { display: grid; gap: 20px; position: sticky; top: 110px; }
.pruefen-text .eyebrow { color: var(--gold-text); }
.pruefen-liste { display: grid; gap: 14px; list-style: none; padding: 0; margin: 0; }
.pruefen-liste li { display: grid; grid-template-columns: 34px 1fr; gap: 12px; align-items: start; }
.pruefen-liste b { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--tinte); color: #fff; font-size: 0.9rem; }
.formular-karte { background: #fff; border-radius: 14px; padding: 32px; box-shadow: 0 24px 60px -34px rgba(10,44,68,.5); border: 1px solid #f0dcb4; display: grid; gap: 20px; }
@media (max-width: 960px) { .pruefen-raster { grid-template-columns: 1fr; gap: 36px; } .pruefen-text { position: static; } }
@media (max-width: 560px) { .formular-karte { padding: 22px 16px; } }

.ablage {
  position: relative; display: grid; justify-items: center; gap: 8px; text-align: center;
  padding: 30px 20px; border: 2px dashed #9fb0bf; border-radius: 12px; background: var(--papier);
  transition: border-color .15s ease, background-color .15s ease;
}
.ablage.ueber { border-color: var(--blau); background: var(--blau-hell); }
.ablage svg { width: 40px; height: 40px; color: var(--blau); }
.ablage-titel { font-weight: 700; color: var(--tinte); }
.ablage-info { font-size: 0.85rem; color: var(--leise); }
.ablage input[type="file"] { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; }
.ablage:has(input:focus-visible) { outline: 3px solid var(--gold); outline-offset: 3px; }
.dateiliste { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.dateiliste li { display: flex; align-items: center; gap: 12px; padding: 10px 12px; border: 1px solid var(--linie); border-radius: 8px; font-size: 0.92rem; }
.dateiliste .name { flex: 1; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; color: var(--tinte); font-weight: 600; }
.dateiliste .groesse { color: var(--leise); font-variant-numeric: tabular-nums; white-space: nowrap; }
.dateiliste button { border: 0; background: none; color: var(--fehler); font: 600 0.85rem var(--schrift); cursor: pointer; padding: 6px; }
.fortschritt { height: 8px; border-radius: 4px; background: var(--linie); overflow: hidden; }
.fortschritt span { display: block; height: 100%; width: 0; background: var(--blau); transition: width .2s ease; }

/* ---------- Ablauf ---------- */
.ablauf { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 20px; counter-reset: schritt; list-style: none; padding: 0; margin: 0; }
.ablauf li { counter-increment: schritt; background: #fff; border: 1px solid var(--linie); border-radius: 12px; padding: 28px 26px; display: grid; gap: 10px; align-content: start; }
.ablauf li::before { content: counter(schritt); display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--blau); color: #fff; font-weight: 700; font-size: 1.15rem; }
.ablauf p { color: var(--leise); font-size: 0.97rem; }
@media (max-width: 860px) { .ablauf { grid-template-columns: 1fr; } }

/* ---------- Berater ---------- */
.berater { display: grid; grid-template-columns: 300px minmax(0,1fr); gap: 56px; align-items: center; }
.berater-foto { display: grid; justify-items: center; gap: 10px; }
.berater-bild { position: relative; width: 100%; aspect-ratio: 1 / 1; max-width: 100%; border-radius: 50%; overflow: hidden; border: 6px solid var(--nacht); box-shadow: 0 18px 40px -22px rgba(10,44,68,.55); background: linear-gradient(160deg, var(--blau) 0%, var(--nacht) 100%); display: grid; place-items: center; }
.berater-bild img { width: 100%; height: 100%; object-fit: cover; position: absolute; inset: 0; }
.berater-initialen { font-size: 4.5rem; font-weight: 700; color: rgba(255,255,255,.9); letter-spacing: .02em; }
.berater-hinweis { color: var(--leise); font-size: 0.75rem; line-height: 1.3; }
.berater-text { display: grid; gap: 18px; }
.fakten { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 14px 28px; list-style: none; padding: 0; margin: 6px 0 0; }
.fakten li { display: grid; grid-template-columns: 24px 1fr; gap: 10px; font-size: 0.97rem; }
.fakten svg { width: 22px; height: 22px; color: var(--blau); margin-top: 2px; }
.register { font-size: 0.85rem; color: var(--leise); }
@media (max-width: 860px) { .berater { grid-template-columns: 1fr; gap: 32px; } .berater-foto { justify-items: start; } .berater-bild { max-width: 240px; } .fakten { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 12px; max-width: 860px; }
.faq details { background: #fff; border: 1px solid var(--linie); border-radius: 10px; }
.faq summary { list-style: none; cursor: pointer; padding: 20px 56px 20px 22px; font-weight: 700; color: var(--tinte); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 22px; top: 50%; width: 12px; height: 12px; border-right: 2.5px solid var(--blau); border-bottom: 2.5px solid var(--blau); transform: translateY(-70%) rotate(45deg); transition: transform .2s ease; }
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq details > div { padding: 0 22px 22px; display: grid; gap: 10px; color: var(--text); }

/* ---------- Anfrage (mehrstufig) ---------- */
.anfrage { background: var(--nacht); color: #dbe7f1; }
.anfrage .abschnitt-kopf h2 { color: #fff; }
.anfrage .abschnitt-kopf .lead { color: #c9d9e6; }
.anfrage .eyebrow { color: #9fc6e4; }
.anfrage-raster { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, .6fr); gap: 40px; align-items: start; }
.anfrage .formular-karte { border: 0; }
.schritte-anzeige { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; list-style: none; padding: 0; margin: 0; }
.schritte-anzeige li { display: grid; gap: 8px; font-size: 0.82rem; font-weight: 600; color: var(--leise); }
.schritte-anzeige li::before { content: ""; height: 5px; border-radius: 3px; background: var(--linie); }
.schritte-anzeige li.aktiv, .schritte-anzeige li.fertig { color: var(--tinte); }
.schritte-anzeige li.aktiv::before, .schritte-anzeige li.fertig::before { background: var(--blau); }
.schritt { display: grid; gap: 20px; }
.schritt h3 { font-size: 1.15rem; }
.js .schritt[data-verborgen] { display: none; }
.schritt-knoepfe { display: flex; gap: 12px; justify-content: space-between; flex-wrap: wrap; }
.schritt-knoepfe .knopf--rand-dunkel { min-width: 120px; }
.no-js-nur { display: none; }
.anfrage-seite { display: grid; gap: 22px; }
.kontaktkarte { background: var(--nacht-2); border: 1px solid rgba(255,255,255,.12); border-radius: 12px; padding: 24px; display: grid; gap: 10px; }
.kontaktkarte h3 { color: #fff; font-size: 1.05rem; }
.kontaktkarte a { color: #fff; font-weight: 700; font-size: 1.3rem; text-decoration: none; }
.kontaktkarte a:hover { text-decoration: underline; }
.kontaktkarte p { font-size: 0.92rem; color: #c9d9e6; }
.vertrauen { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; font-size: 0.93rem; color: #c9d9e6; }
.vertrauen li { display: grid; grid-template-columns: 22px 1fr; gap: 10px; }
.vertrauen svg { width: 20px; height: 20px; color: var(--gold); margin-top: 2px; }
@media (max-width: 960px) { .anfrage-raster { grid-template-columns: 1fr; } }

.meldung { border-radius: 10px; padding: 18px 20px; display: grid; gap: 6px; }
.meldung--ok { background: #e3f3e8; color: #123f22; }
.meldung--ok strong { color: var(--ok); font-size: 1.1rem; }
.meldung--fehler { background: #fbe9e7; color: #5c130e; }
.meldung--vorschau { background: var(--blau-hell); color: var(--tinte); }

/* ---------- Fuß ---------- */
.fuss { background: #07202f; color: #a9bfd1; padding-block: 56px 40px; font-size: 0.92rem; }
.fuss-raster { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
.fuss h2 { font-size: 0.8rem; letter-spacing: .12em; text-transform: uppercase; color: #fff; margin-bottom: 12px; }
.fuss a { color: #fff; }
.fuss ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.fuss-marke { display: grid; gap: 12px; }
.fuss-marke .marke { color: #fff; }
.fuss-marke .marke-name span { color: var(--gold); }
.fuss-marke .marke-zusatz { color: #a9bfd1; }
.fuss-unten { margin-top: 40px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); display: flex; flex-wrap: wrap; gap: 12px 24px; justify-content: space-between; font-size: 0.82rem; }
@media (max-width: 860px) { .fuss-raster { grid-template-columns: 1fr; gap: 28px; } }

/* ---------- mobile Aktionsleiste ---------- */
.aktionsleiste { display: none; }
@media (max-width: 720px) {
  .aktionsleiste {
    display: grid; grid-template-columns: 1fr 1fr; gap: 8px;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    padding: 10px 12px calc(10px + env(safe-area-inset-bottom, 0px));
    background: rgba(255,255,255,.97); border-top: 1px solid var(--linie);
    box-shadow: 0 -8px 24px -16px rgba(0,0,0,.35);
  }
  .aktionsleiste .knopf { min-height: 48px; padding: 10px 8px; font-size: 0.9rem; }
  body { padding-bottom: 76px; }
}

/* ---------- Rechtsseiten ---------- */
.recht { padding-block: 56px 88px; }
.recht .wrap { max-width: 820px; }
.recht h1 { font-size: clamp(1.8rem, 3.5vw, 2.5rem); margin-bottom: 24px; }
.recht h2 { font-size: 1.3rem; margin: 36px 0 10px; }
.recht p, .recht ul { margin: 0 0 12px; }
.recht ul { padding-left: 1.2em; }
.platzhalter { background: #fff3cd; outline: 1px dashed #c58a00; padding: 0 4px; border-radius: 3px; }
.danke { padding-block: 96px; }
.danke .wrap { max-width: 720px; display: grid; gap: 20px; }