/* Leasing Expert – generiert von site-src/build.py */
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@font-face{font-family:'Figtree';font-style:normal;font-weight:400;font-display:swap;src:url(/leasingexpert/assets/fonts/Figtree-400-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:'Figtree';font-style:normal;font-weight:400;font-display:swap;src:url(/leasingexpert/assets/fonts/Figtree-400-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:'Figtree';font-style:normal;font-weight:500;font-display:swap;src:url(/leasingexpert/assets/fonts/Figtree-500-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:'Figtree';font-style:normal;font-weight:500;font-display:swap;src:url(/leasingexpert/assets/fonts/Figtree-500-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:'Figtree';font-style:normal;font-weight:700;font-display:swap;src:url(/leasingexpert/assets/fonts/Figtree-700-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:'Figtree';font-style:normal;font-weight:700;font-display:swap;src:url(/leasingexpert/assets/fonts/Figtree-700-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:'Schibsted Grotesk';font-style:normal;font-weight:600;font-display:swap;src:url(/leasingexpert/assets/fonts/SchibstedGrotesk-600-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:'Schibsted Grotesk';font-style:normal;font-weight:600;font-display:swap;src:url(/leasingexpert/assets/fonts/SchibstedGrotesk-600-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}

/* Farbvariante in der Palette von Masko Consulting (Navy #14233B, Kupfer #C8825A, Nacht #0B111C).
   Layout: 1:1-Aufbau der iwoca-Startseite (Header fixiert, 2-Spalten-Hero, schwebende Feature-Bar, 14 Bausteine),
   Container 1202 px. Bewusst nur helles Design, da es eine Marketing-Website nachbildet. */
:root{
  --navy:#14233b; --navy-h:#1d3354; --navy-a:#28477a; --navy-foot:#0b111c;
  --blue:#28477a; --blue-ul:#28477a; --blue-soft:#5e80ad;
  --accent:#c8825a; --accent-strong:#a5643e; --accent-soft:#f6ece4;
  --slate-100:#f3f5f7; --slate-150:#eef2f7; --slate-200:#e8ecf3; --slate-300:#cfd8e5; --slate-400:#5e80ad;
  --grey-95:#f2f2f2; --track:#e0e0e0; --nav:#14233b; --line:#e3e8ed; --muted:#4f5f72;
  --green:#3d9d6b; --green-dark:#1f7a44; --star:#e0a074; --white:#ffffff;
  --font:"Figtree","Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --shadow-float:0 35px 51px rgba(0,0,0,.28),0 11px 26px rgba(109,79,79,.14);
  --shadow-card:0 15px 35px rgba(20,35,59,.14);
  --shadow-tab:0 1px 35px rgba(20,35,59,.14);
  --shadow-soft:0 4px 16px rgba(20,35,59,.06),0 2px 6px rgba(20,35,59,.12);
  --shadow-btn:0 2px 4px rgba(0,0,0,.02),0 6px 24px rgba(0,0,0,.08);
  --sec:clamp(4rem,3rem + 4vw,7.5rem);
  color-scheme:light;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:calc(77px + env(safe-area-inset-top,0px))}
body{background:var(--white);color:var(--navy);font-family:var(--font);font-weight:300;font-size:16px;line-height:1.5;-webkit-font-smoothing:antialiased;overflow-x:clip}
h1,h2,h3,h4{margin:0;font-weight:700;line-height:1.2;text-wrap:balance}
p{margin:0}
b,strong{font-weight:700}
a{color:var(--blue)}
button{font-family:inherit}
:focus-visible{outline:2px solid var(--blue);outline-offset:3px}
.acc{color:var(--accent)}
.container{max-width:1202px;margin-inline:auto;padding-left:max(32px,env(safe-area-inset-left,0px));padding-right:max(32px,env(safe-area-inset-right,0px))}
.container-wide{max-width:1280px;margin-inline:auto;padding-left:max(32px,env(safe-area-inset-left,0px));padding-right:max(32px,env(safe-area-inset-right,0px))}
@media (max-width:767px){
  .container,.container-wide{padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
}
.skip{position:absolute;left:-999px;top:0}
.skip:focus{left:16px;top:16px;z-index:100;background:var(--white);padding:8px 12px;border-radius:8px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:100vw;font-weight:500;font-size:16px;line-height:1;border:1px solid var(--navy);padding:0 40px;height:54px;cursor:pointer;text-decoration:none;white-space:nowrap;transition:background .15s,border-color .15s,transform .15s}
.btn-primary{background:var(--navy);color:var(--white)}
.btn-primary:hover{background:var(--navy-h);border-color:var(--navy-h)}
.btn-primary:active{background:var(--navy-a);border-color:var(--navy-a)}
.btn-outline{background:var(--white);color:var(--navy)}
.btn-outline:hover{background:var(--grey-95)}
.btn-sm{height:38px;padding:0 16px;font-size:14px;font-weight:700}
.btn-md{height:50px;padding:0 32px}
.micro{font-size:14px;font-weight:700;margin-top:16px}
.micro.light{font-size:12px;font-weight:300;line-height:16px;margin-top:10px}

/* Header */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--white);transition:box-shadow .2s}
.site-header.scrolled{box-shadow:0 2px 14px rgba(20,35,59,.07)}
.hdr{height:77px;display:flex;align-items:center;gap:32px}
.logo{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--navy);font-size:20px;letter-spacing:-.02em;font-weight:500;flex:none}
.logo b{font-weight:700}
.logo{gap:12px}
.logo .emblem{display:block;height:42px;aspect-ratio:220/117;flex:none;background:url(/leasingexpert/assets/zeichen-navy.png) center/contain no-repeat}
.logo .word{display:flex;flex-direction:column;line-height:1;color:var(--navy)}
.logo .word b{font-family:"Schibsted Grotesk",var(--font);font-size:18px;font-weight:600;letter-spacing:.02em;white-space:nowrap}
.logo .word span{font-size:9px;font-weight:500;letter-spacing:.42em;text-transform:uppercase;color:var(--muted);margin-top:4px;white-space:nowrap}
.site-header .container-wide{max-width:1360px}
.foot-logo img{height:84px;width:auto;display:block}
.mainnav{display:flex;gap:26px;align-items:center}
.nav-item{position:relative}
.nav-btn{background:none;border:0;padding:8px 0;font-size:16px;font-weight:500;color:var(--nav);display:flex;align-items:center;gap:7px;cursor:pointer}
.nav-btn svg{transition:transform .2s}
.nav-item.open .nav-btn svg{transform:rotate(180deg)}
.dropdown{position:absolute;top:100%;left:-14px;padding-top:12px;display:none;z-index:60}
.nav-item.open .dropdown{display:block}
@media (hover:hover){.nav-item:hover .dropdown{display:block}.nav-item:hover .nav-btn svg{transform:rotate(180deg)}}
.dd-panel{background:var(--white);border-radius:8px;box-shadow:0 16px 40px rgba(20,35,59,.14);padding:12.8px;min-width:250px;display:grid}
.dd-panel a{display:block;padding:8px 12px;border-radius:6px;color:var(--navy);text-decoration:none;font-size:15px;font-weight:500}
.dd-panel a:hover{background:var(--slate-100)}
.dd-panel.mega{grid-template-columns:repeat(3,minmax(190px,1fr));gap:8px;min-width:640px}
.dd-panel .grp{font-size:14px;font-weight:700;padding:8px 12px 4px}
.hdr-right{margin-left:auto;display:flex;align-items:center;gap:24px}
.login{display:flex;align-items:center;gap:8px;color:var(--blue);font-weight:500;text-decoration:none}
.hdr-phone{font-size:12px;line-height:1.35;color:var(--navy);display:grid}
.hdr-phone span{display:flex;align-items:center;gap:6px}
.hdr-phone b{font-size:17px}
.menu-btn{display:none;align-items:center;gap:10px;background:none;border:0;font-size:16px;font-weight:500;color:var(--navy);cursor:pointer;padding:8px 0}
@media (max-width:1360px){.hdr-phone{display:none}.mainnav{gap:20px}.hdr{gap:28px}}
@media (max-width:1180px){
  .mainnav,.hdr-right .btn{display:none}
  .menu-btn{display:flex}
  .hdr-right{gap:20px}
}
.mnav{position:fixed;left:0;right:0;bottom:0;top:calc(77px + env(safe-area-inset-top,0px));background:var(--white);overflow-y:auto;z-index:49;padding-bottom:calc(32px + env(safe-area-inset-bottom,0px));border-top:1px solid var(--line)}
.mnav .grp{font-size:12px;letter-spacing:.07em;text-transform:uppercase;color:#7a8794;padding:24px 0 8px;border-bottom:1px solid var(--line)}
.mnav a{display:block;padding:12px 0;border-bottom:1px solid var(--line);color:var(--navy);text-decoration:none;font-size:17px;font-weight:500}
.mnav .btn{margin-top:28px;width:100%}

/* Hero */
.hero{padding-top:clamp(32px,2rem + 3vw,80px)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:48px;align-items:center}
.hero h1{font-size:clamp(2rem,1.857rem + .714vw,2.5rem);line-height:1.2}
.hero .lead{margin-top:16px;max-width:410px}
.hero .btn{margin-top:32px}
.hero-visual{position:relative;height:440px}
.col{position:absolute;bottom:0;border-radius:28px 28px 0 0}
.col.c1{left:6%;width:27%;height:48%;background:var(--navy)}
.col.c2{left:31%;width:31%;height:100%;background:var(--accent);transition:background .3s}
.col.c3{left:58%;width:31%;height:86%;background:#e8ecf3}
.hv-van{position:absolute;left:0;bottom:56px;width:70%}
.hv-laptop{position:absolute;right:2%;bottom:56px;width:33%}
.rate-card{position:absolute;top:8%;left:0;background:var(--white);border-radius:14px;box-shadow:var(--shadow-card);padding:14px 18px;display:grid;gap:4px;min-width:190px}
.rate-card small{font-size:12px;color:var(--muted)}
.rate-card b{font-size:22px}
.rate-card b span{font-size:14px;font-weight:500;color:var(--muted)}
.rate-card .ok{display:flex;align-items:center;gap:6px;font-size:12px;font-weight:500;color:var(--green-dark)}

.fbar-wrap{position:relative;z-index:2;margin-top:-52px}
.fbar{max-width:1040px;margin-inline:auto;background:var(--white);border-radius:18px;padding:32px;box-shadow:var(--shadow-float);display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px;align-items:center;text-align:center}
.fbar .big{font-size:24px;font-weight:700;line-height:1.2}
.fbar .sm{font-size:18px;line-height:28px}
.fbar .micro{font-size:12px;margin-top:10px}
.rating{display:grid;gap:4px;justify-items:center;font-size:13px}
.rating b{font-size:16px}
.stars{display:flex;gap:2px}
.rating u{text-decoration:underline;text-underline-offset:2px}

/* Sektionen */
.section{padding-top:var(--sec)}
.h2{font-size:clamp(1.75rem,1.679rem + .357vw,2rem);text-align:center}
.h2.ul{position:relative;padding-bottom:24px}
.h2.ul::after{content:"";position:absolute;left:50%;bottom:0;transform:translateX(-50%);width:56px;height:2px;background:var(--blue-ul)}
.h2.ul.ul-acc::after{background:var(--accent)}
.h2.left{text-align:left}
.h2.left.ul::after{left:0;transform:none}
.sub{text-align:center;font-size:14px;max-width:640px;margin:16px auto 0}
.text-panel{max-width:960px;margin-inline:auto;text-align:center}
.text-panel p{margin-top:20px}

/* So funktioniert's */
.how{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:center;margin-top:64px}
.mock{background:#f1f4f8;border-radius:14px;padding:0 0 24px;box-shadow:var(--shadow-soft);max-width:420px;margin-inline:auto;width:100%}
.mock-bar{display:flex;gap:6px;padding:12px 14px}
.mock-bar i{width:9px;height:9px;border-radius:50%;background:#c3ced8;display:block}
.mock-stage{display:grid;padding:0 22px}
.slide{grid-area:1/1;opacity:0;visibility:hidden;transition:opacity .35s}
.slide.on{opacity:1;visibility:visible}
.slide h4{text-align:center;font-size:18px;margin:6px 0 14px}
.ui-card{background:var(--white);border-radius:12px;box-shadow:0 8px 24px rgba(20,35,59,.12);padding:18px;display:grid;gap:10px;font-size:13px}
.ui-card label{font-weight:700}
.ui-field{border:1px solid #d3dae4;border-radius:6px;padding:9px 11px;color:var(--blue);font-weight:500;display:flex;justify-content:space-between;align-items:center}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:6px}
.seg span{border:1px solid #d3dae4;border-radius:6px;padding:8px 0;text-align:center;font-weight:500}
.seg span.on{background:var(--navy);color:var(--white);border-color:var(--navy)}
.ui-btn{background:var(--navy);color:var(--white);border-radius:99px;text-align:center;padding:10px;font-weight:700;margin-top:4px}
.offer-rate{font-size:30px;font-weight:700;text-align:center}
.offer-rate span{font-size:15px;color:var(--muted);font-weight:500}
.offer-row{display:flex;justify-content:space-between;border-top:1px solid #edf1f4;padding-top:8px}
.done{display:grid;justify-items:center;gap:10px;text-align:center;padding:10px 0}
.dots{display:flex;justify-content:center;gap:8px;margin-top:22px}
.dots button{width:18px;height:18px;border-radius:50%;border:0;background:#c9c9c9;cursor:pointer;padding:0}
.dots button[aria-current="true"]{background:var(--green)}
.steps{position:relative;display:grid;gap:30px}
.steps::before{content:"";position:absolute;left:24px;top:26px;bottom:40px;width:4px;background:var(--accent);border-radius:2px;transition:background .3s}
.step{display:grid;grid-template-columns:52px minmax(0,1fr);gap:24px;position:relative;background:none;border:0;padding:0;text-align:left;color:inherit;font:inherit;cursor:pointer;opacity:.6;transition:opacity .2s}
.step.on,.step:hover{opacity:1}
.step .n{width:52px;height:52px;border-radius:50%;background:var(--accent);color:var(--white);font-size:22px;font-weight:700;display:grid;place-items:center;transition:background .3s}
.step .st-t{display:block;font-size:22px;font-weight:700;line-height:1.2;margin-top:2px}
.step .st-p{display:block;margin-top:8px;max-width:380px}

/* Rechner */
.calc-area{position:relative;margin-top:56px}
.calc-blob{position:absolute;width:300px;height:300px;border-radius:50%;background:#f6dfc9;left:calc(50% - 470px);top:-30px}
.calc{position:relative;max-width:704px;margin-inline:auto;background:var(--white);border-radius:16px;padding:clamp(22px,4vw,38.4px);box-shadow:var(--shadow-card);display:grid;gap:12px}
.calc-res{background:var(--grey-95);border-radius:15px;padding:10px 12px;text-align:center;font-size:clamp(20px,1rem + 1.2vw,28px);font-weight:700;line-height:1.2}
.calc-res span{color:var(--blue)}
.calc-total{text-align:center;font-size:14px}
.calc-total em{font-style:normal;color:var(--blue)}
.range-wrap{position:relative;padding-top:56px;text-align:center;font-size:14px}
.bub{position:absolute;top:8px;transform:translateX(-50%);background:var(--navy);color:var(--white);font-weight:700;font-size:15px;padding:6px 10px;border-radius:6px;white-space:nowrap;transition:background .3s}
.bub::after{content:"";position:absolute;left:50%;bottom:-5px;width:10px;height:10px;background:inherit;transform:translateX(-50%) rotate(45deg)}
.range-wrap.acc-wrap .bub{background:var(--accent)}
.range-wrap label{display:block;margin-top:12px}
.calc-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:5px;margin:0;background:linear-gradient(to right,var(--fill) 0 var(--p,50%),var(--track) var(--p,50%) 100%);cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--fill);border:3px solid var(--white);box-shadow:0 0 0 1px var(--fill),0 2px 6px rgba(0,0,0,.25)}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--fill);border:3px solid var(--white);box-shadow:0 0 0 1px var(--fill),0 2px 6px rgba(0,0,0,.25)}
#r-amt{--fill:var(--blue)} #r-mon{--fill:var(--accent)} #r-rv{--fill:var(--slate-400)}
.calc-foot{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;margin-top:20px}
.calc-foot a{font-size:14px;font-weight:500}
.calc-foot .btn{font-size:18px;font-weight:700;box-shadow:var(--shadow-btn);padding:0 36px}
.calc-ex{max-width:540px;margin:22px auto 0;text-align:center;font-size:11.5px;line-height:1.55}
.redline{width:56px;height:2px;background:var(--accent);margin:22px auto 0}

/* Voraussetzungen */
.req-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:center}
.circle-vis{position:relative;max-width:340px;width:100%;margin-inline:auto;aspect-ratio:1}
.circle-vis::before{content:"";position:absolute;inset:-28px -40px auto auto;width:200px;height:200px;background-image:radial-gradient(#d9dfe8 2px,transparent 2.5px);background-size:16px 16px;z-index:-1}
.circle-vis svg{width:100%;height:100%;display:block}
.req-copy p{margin-top:40px}
.checks{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:16px}
.checks li{display:flex;align-items:center;gap:14px;font-size:14px;font-weight:700}
.apply{margin-top:40px;background:#f3f5f7;border-radius:8px;padding:16px 16px 16px 32px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;font-size:15px;font-weight:500}

/* Newsletter */
.nl{background:var(--slate-200);border-radius:48px;padding:48px 24px;text-align:center;display:grid;justify-items:center;gap:18px}
.nl p{font-size:14px}

/* Kundenstimmen */
.testi{margin-top:40px;display:grid;grid-template-columns:minmax(0,.75fr) minmax(0,1.25fr);border-radius:16px;overflow:hidden;box-shadow:var(--shadow-soft);min-height:340px}
.t-vis{background:linear-gradient(160deg,var(--slate-200),var(--slate-300));display:grid;place-items:center;align-content:center;gap:14px;padding:28px}
.t-ava{width:124px;height:124px;border-radius:50%;background:var(--white);display:grid;place-items:center;font-size:40px;font-weight:700;color:var(--navy);box-shadow:0 10px 26px rgba(20,35,59,.12)}
.t-vis span{font-size:13px;font-weight:500;letter-spacing:.05em;text-transform:uppercase;color:var(--navy-a)}
.t-copy{padding:40px 32px;display:grid;align-content:center;gap:18px;transition:opacity .25s}
.t-copy.fade{opacity:0}
.t-copy blockquote{margin:0;position:relative;padding-left:40px;font-size:clamp(18px,1rem + .4vw,22px);font-weight:500;line-height:1.5}
.t-copy blockquote::before{content:"“";position:absolute;left:0;top:-10px;font-size:56px;font-weight:700;line-height:1;color:var(--accent)}
.t-who{padding-left:40px;font-size:15px}
.t-who b{display:block}
.t-who .tag{display:inline-block;margin-top:6px;font-size:11px;font-weight:500;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}
.tabs{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.tabs button{display:flex;align-items:center;gap:12px;background:var(--slate-150);border:0;border-radius:16px;padding:16px 20px 16px 16px;font-size:14px;color:var(--navy);cursor:pointer;transition:background .2s,box-shadow .2s}
.tabs button[aria-selected="true"]{background:var(--white);box-shadow:var(--shadow-tab)}
.t-after{text-align:center;margin-top:40px;font-size:14px}
.t-after .btn{margin-top:20px}

/* Story */
.story{background:rgba(221,232,238,.3);border-radius:20px;padding:40px 32px;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:48px;align-items:center}
.story h2{font-size:32px}
.story p{margin-top:20px;font-size:15px;max-width:560px}
.story .btn{margin-top:28px}
.story-vis{border-radius:12px;overflow:hidden;aspect-ratio:4/3;max-width:100%}
.story-vis svg{width:100%;height:100%;display:block}

/* FAQ */
.faq-sec{position:relative;overflow:hidden;padding-bottom:16px}
.faq-arc{position:absolute;right:-120px;top:60px;width:260px;height:520px;pointer-events:none}
.faq{max-width:1138px;margin:40px auto 0;position:relative}
.faq details{border-bottom:1px solid #e1e6ed}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 24px 22px 24px;color:var(--blue);font-weight:700;font-size:18px}
.faq summary::-webkit-details-marker{display:none}
.faq summary svg{flex:none;transition:transform .2s}
.faq details[open] summary svg{transform:rotate(45deg)}
.faq .ans{padding:0 24px 24px;max-width:760px}

/* Kontakt */
.contact{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
.c-vis{position:relative;max-width:380px;width:100%;margin-inline:auto;aspect-ratio:1/0.9}
.c-vis .half{position:absolute;left:4%;right:4%;bottom:0;height:62%;background:var(--blue-soft);border-radius:220px 220px 0 0}
.c-vis .dot1{position:absolute;left:0;bottom:-6%;width:30%;aspect-ratio:1;border-radius:50%;background:var(--navy-foot)}
.c-vis .ring{position:absolute;right:2%;bottom:22%;width:13%;aspect-ratio:1;border-radius:50%;border:10px solid #9db8e0;background:var(--white)}
.c-vis svg{position:absolute;left:15%;bottom:0;width:70%}
.contact h2{font-size:28px}
.c-lines{display:flex;flex-wrap:wrap;gap:12px 32px;margin-top:24px;font-weight:700}
.c-lines span{display:flex;align-items:center;gap:10px}
.contact p{margin-top:20px;font-size:15px}
.contact .btn{margin-top:28px}
.disclaimer{max-width:820px;margin:var(--sec) auto 0;text-align:center;font-size:11.5px;line-height:1.55}

/* Footer */
.footer{margin-top:72px}
.f-links{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;margin-top:36px;font-size:15px}
.f-col{display:grid;gap:28px;align-content:start}
.f-col h4{font-size:15px;margin-bottom:10px}
.f-col a{display:flex;align-items:center;gap:10px;flex-wrap:wrap;padding:4px 0;color:var(--navy);text-decoration:none}
.f-col a:hover{text-decoration:underline}
.badge{display:inline-block;padding:2px 12px;border-radius:24px;color:var(--white);font-size:13px;font-weight:500;background:var(--accent-strong)}
.badge.green{background:var(--green-dark)}
.f-band{position:relative;margin-top:120px;background:var(--navy-foot);color:var(--white);border-radius:50% 50% 0 0/80px 80px 0 0;padding-top:120px;padding-bottom:calc(40px + env(safe-area-inset-bottom,0px))}
.f-card{position:absolute;left:50%;top:-56px;transform:translateX(-50%);width:min(1040px,calc(100% - 32px));background:var(--white);color:var(--navy);border-radius:18px;box-shadow:0 20px 40px rgba(20,35,59,.22);padding:24px 40px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));align-items:center;gap:20px;text-align:center}
.f-card .micro{font-size:12px;margin-top:10px}
.f-seal{display:block;height:110px;width:auto;max-width:100%;margin:0 auto 44px}
.f-contact{display:flex;justify-content:space-around;flex-wrap:wrap;gap:16px 40px;font-weight:700;font-size:17px}
.f-contact span{display:flex;align-items:center;gap:10px}
.f-addr{text-align:center;margin-top:44px;font-size:14px}
.f-social{display:flex;justify-content:space-around;gap:24px;margin-top:40px;font-size:14px;font-weight:500}
.f-copy{text-align:center;margin-top:36px;font-size:12px;opacity:.8}

/* Anfrage-Dialog */
dialog.req{border:0;border-radius:20px;padding:0;width:min(600px,calc(100% - 32px));max-height:calc(100dvh - 32px);overflow:auto;box-shadow:0 30px 80px rgba(20,35,59,.35);color:var(--navy);font-weight:400;background:var(--white)}
dialog.req::backdrop{background:rgba(11,17,28,.6)}
.req-in{padding:32px 36px 28px;display:grid;gap:24px}
.req-top{display:flex;align-items:flex-start;gap:16px}
.req-top>div{flex:1;min-width:0}
.req-kicker{font-size:13px;font-weight:500;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}
.prog{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-top:10px}
.prog i{height:4px;border-radius:2px;background:var(--slate-200);display:block;transition:background .3s}
.prog i.on{background:var(--accent)}
.req-close{flex:none;width:40px;height:40px;border-radius:50%;border:0;background:var(--slate-100);cursor:pointer;display:grid;place-items:center;color:var(--navy)}
.req-close:hover{background:var(--slate-200)}
.req-step{display:grid;gap:22px}
.req-step h3{font-size:26px;line-height:1.25}
.req-step h3:focus{outline:none}
.req-step .lead{margin-top:-14px;font-size:16px;color:var(--muted)}
.req fieldset{border:0;margin:0;padding:0;min-width:0}
.fld{display:grid;gap:8px;align-content:start}
.fld>label,.fld legend{font-size:15px;font-weight:500;color:var(--navy);padding:0;margin-bottom:0}
.fld legend{margin-bottom:8px}
.fld .opt{font-weight:400;color:var(--muted)}
.input{font:inherit;font-size:17px;font-weight:400;color:var(--navy);background:var(--white);border:1.5px solid #c9d2dd;border-radius:10px;padding:13px 16px;min-height:52px;width:100%;transition:border-color .15s,box-shadow .15s}
.input:hover{border-color:#9aa8b8}
.input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(20,35,59,.14)}
.input::placeholder{color:#8a96a5;opacity:1}
.money{position:relative}
.money .input{padding-right:46px;font-variant-numeric:tabular-nums}
.money span{position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:17px;font-weight:500;color:var(--muted);pointer-events:none}
.hint{font-size:13.5px;color:var(--muted)}
.err{display:none;align-items:center;gap:7px;font-size:13.5px;font-weight:500;color:#b42318}
.fld.invalid .input{border-color:#b42318;box-shadow:0 0 0 3px rgba(180,35,24,.12)}
.fld.invalid .err{display:flex}
.fld.invalid .hint{display:none}
.tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.seg-pick{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px}
.tiles label,.seg-pick label{position:relative;display:block}
.tiles input,.seg-pick input{position:absolute;opacity:0;width:1px;height:1px}
.tiles span{display:grid;justify-items:center;align-content:center;gap:8px;min-height:96px;padding:14px 8px;border:1.5px solid #c9d2dd;border-radius:12px;font-size:15px;font-weight:500;text-align:center;cursor:pointer;transition:border-color .15s,background .15s}
.seg-pick span{display:block;padding:13px 6px;border:1.5px solid #c9d2dd;border-radius:10px;font-size:15px;font-weight:500;text-align:center;cursor:pointer;white-space:nowrap;transition:border-color .15s,background .15s}
.tiles span:hover,.seg-pick span:hover{border-color:#9aa8b8}
.tiles input:checked+span,.seg-pick input:checked+span{border-color:var(--navy);background:var(--slate-100);box-shadow:inset 0 0 0 1px var(--navy)}
.tiles input:focus-visible+span,.seg-pick input:focus-visible+span{outline:2px solid var(--blue);outline-offset:2px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.privacy{font-size:13.5px;line-height:1.55;color:var(--muted)}
.req-actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap;border-top:1px solid var(--line);padding-top:20px}
.req-back{background:none;border:0;padding:10px 4px;font:inherit;font-size:16px;font-weight:500;color:var(--blue);cursor:pointer}
.req-note{display:flex;align-items:center;gap:7px;font-size:14px;color:var(--muted)}
.req-actions .btn{margin-left:auto}
.done-icon{width:56px;height:56px}
.test-hint{background:var(--accent-soft);border-radius:12px;padding:14px 16px;font-size:15px;line-height:1.5}
.summary{margin:0;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.summary div{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:12px;padding:11px 16px;font-size:15px}
.summary div:nth-child(even){background:var(--slate-100)}
.summary dt{color:var(--muted)}
.summary dd{margin:0;font-weight:500;overflow-wrap:anywhere}
@media (max-width:600px){
  dialog.req{width:var(--dlg-w,100%);max-width:var(--dlg-w,100%);margin:auto auto 0 0;border-radius:20px 20px 0 0;max-height:92dvh}
  .req-in{padding:22px 20px calc(20px + env(safe-area-inset-bottom,0px));gap:20px}
  .req-step h3{font-size:22px}
  .tiles,.seg-pick{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tiles span{min-height:82px}
  .two{grid-template-columns:1fr}
  .req-note{order:3;width:100%;justify-content:center}
  .req-actions .btn{flex:1}
}

/* Test-Leiste */
.toast{position:fixed;z-index:80;left:50%;bottom:calc(72px + env(safe-area-inset-bottom,0px));transform:translateX(-50%);background:var(--navy);color:var(--white);padding:10px 18px;border-radius:99px;font-size:14px;font-weight:500;opacity:0;transition:opacity .2s;pointer-events:none;max-width:calc(100% - 32px);text-align:center}
.toast.show{opacity:1}

/* Responsive */
@media (max-width:991px){
  .how,.req-grid,.contact{gap:48px}
  .dd-panel.mega{min-width:0}
  .f-links{grid-template-columns:repeat(2,minmax(0,1fr))}
  .calc-blob{left:-120px}
}
@media (max-width:767px){
  .site-header .logo{gap:10px}
  .site-header .logo .emblem{height:34px}
  .site-header .logo .word b{font-size:16px}
  .site-header .logo .word span{font-size:8px;letter-spacing:.3em}
  .f-seal{height:88px}
  .hero-grid{grid-template-columns:1fr;text-align:center;gap:24px}
  .hero .lead{margin-inline:auto}
  .hero-text{display:contents}
  .hero h1{order:1}.hero .lead{order:2}.hero-visual{order:3}.hero-cta{order:4}
  .hero-visual{height:270px;max-width:440px;width:100%;margin-inline:auto}
  .hv-van,.hv-laptop{bottom:0}
  .hero .btn{margin-top:8px}
  .rate-card{min-width:0;padding:10px 14px}
  .rate-card b{font-size:18px}
  .fbar-wrap{margin-top:32px}
  .fbar{grid-template-columns:repeat(2,minmax(0,1fr));padding:24px 16px}
  .fbar .cta-cell{grid-column:1/-1}
  .how,.req-grid,.contact,.story{grid-template-columns:1fr}
  .how{margin-top:40px}
  .steps::before{display:none}
  .step{grid-template-columns:1fr;justify-items:center;text-align:center;gap:14px;opacity:1}
  .step .st-p{margin-inline:auto}
  .req-copy{order:-1}
  .h2.left{text-align:center}
  .h2.left.ul::after{left:50%;transform:translateX(-50%)}
  .req-copy p{text-align:center}
  .calc-pair{grid-template-columns:1fr;gap:4px}
  .calc-foot{justify-content:center;text-align:center}
  .testi{grid-template-columns:1fr}
  .t-vis{padding:24px}
  .t-ava{width:92px;height:92px;font-size:30px}
  .t-copy{padding:28px 22px}
  .tabs button{flex:1 1 calc(50% - 6px);padding:12px}
  .story{padding:28px 20px}
  .story h2{font-size:26px}
  .faq-arc{display:none}
  .faq summary{padding:20px 8px;font-size:17px}
  .faq .ans{padding:0 8px 22px}
  .contact{text-align:center}
  .c-lines{justify-content:center}
  .f-card{grid-template-columns:1fr;padding:22px;top:-120px}
  .f-band{margin-top:200px;padding-top:180px;border-radius:50% 50% 0 0/40px 40px 0 0}
  .f-contact{flex-direction:column;align-items:center}
  .apply{padding:16px;justify-content:center;text-align:center}
}
@media (max-width:479px){
  .login-t{display:none}
  .f-links{grid-template-columns:1fr}
  .btn{padding:0 28px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}html{scroll-behavior:auto}}

/* ================= Unterseiten-Bausteine (ergänzen die Startseiten-Styles) ================= */
.hdr-phone{background:none;border:0;padding:0;font:inherit;text-align:left;cursor:pointer}
.hdr-phone span{font-size:12px;color:var(--muted)}
.hdr-phone b{font-size:16px}
.hdr-phone:hover b{text-decoration:underline}
.c-callback,.f-callback{display:inline-flex;align-items:center;gap:10px;background:none;border:0;padding:0;font:inherit;font-weight:700;color:inherit;cursor:pointer}
.c-callback:hover,.f-callback:hover{text-decoration:underline}
.f-disc{max-width:900px;margin:28px auto 0;text-align:center;font-size:12px;line-height:1.6;opacity:.7}
.btn-light{background:var(--white);color:var(--navy);border-color:var(--white)}
.btn-light:hover{background:var(--slate-100);border-color:var(--slate-100)}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-strong)}
.center-cta{text-align:center;margin-top:48px}
.opt-chip{display:inline-block;font-size:12.5px;font-weight:500;color:var(--muted);background:var(--slate-100);border-radius:99px;padding:3px 10px}

/* Brotkrumen */
.crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:13.5px;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--navy);text-decoration:underline}
.crumbs [aria-current]{color:var(--navy);font-weight:500}

/* Hero Unterseiten */
.hero-sub{padding-bottom:16px}
.hero-sub .checks{margin-top:24px}
.hero-sub .btn{margin-top:28px}
.hero-visual.hv-sub{height:400px}
.hv-main{position:absolute;left:1%;right:5%;bottom:28px}
.hv-main svg{width:100%;height:auto;display:block}
.page-hero{background:var(--slate-100);padding-block:clamp(36px,2.5rem + 2vw,72px)}
.page-hero h1{font-size:clamp(2rem,1.857rem + .714vw,2.5rem);max-width:820px}
.page-hero .lead{margin-top:16px;max-width:700px;font-size:18px;line-height:1.55}
.page-hero.center{text-align:center}
.page-hero.center .crumbs{justify-content:center}
.page-hero.center h1,.page-hero.center .lead{margin-inline:auto}

/* Karten */
.cards{display:grid;gap:24px;grid-template-columns:repeat(var(--cols,3),minmax(0,1fr));margin-top:48px}
.card{background:var(--white);border-radius:16px;box-shadow:var(--shadow-soft);padding:30px 28px;display:grid;gap:12px;align-content:start}
.card.tint{background:var(--slate-100);box-shadow:none}
.card .ic{width:58px;height:58px;border-radius:14px;background:var(--accent-soft);display:grid;place-items:center;color:var(--navy)}
.card h3{font-size:20px;line-height:1.25}
.card p{font-size:15.5px}
.card .more{font-weight:500;color:var(--blue);text-decoration:none;margin-top:4px}
.card .more:hover{text-decoration:underline}
.cards.center .card{text-align:center;justify-items:center}

/* Schritte Unterseiten */
.steps .step:not(button){cursor:default}
.steps-vis{position:relative;min-height:340px}
.steps-vis .blob{position:absolute;inset:6% 4% 0 0;background:var(--slate-100);border-radius:28px}
.steps-vis .hv-main{left:8%;right:8%;bottom:14%}

/* Kreis-Visual (Checkliste) */
.circle-vis .cv-in{position:absolute;inset:0;border-radius:50%;background:var(--slate-200);overflow:hidden;display:grid;place-items:center}
.circle-vis .cv-in svg{width:84%;height:auto}

/* Kontakt mit Foto */
.c-vis .c-photo{position:absolute;left:19%;bottom:0;width:62%;height:90%;object-fit:cover;object-position:52% 28%;border-radius:999px 999px 0 0;box-shadow:0 20px 40px rgba(20,35,59,.18)}
.story-vis img{width:100%;height:100%;object-fit:cover;object-position:50% 30%;display:block}

/* Kundenszenarien Startseite */
.t-copy .t-text{margin:0;font-size:clamp(18px,1rem + .4vw,21px);font-weight:500;line-height:1.55}
.t-copy .t-who{padding-left:0}
.t-ava svg{width:56px;height:56px}

/* Text + Fakten */
.split{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:64px;align-items:start}
.split-text p{margin-top:18px}
.split-text .h2{margin-bottom:8px}
.facts{background:var(--white);border-radius:16px;box-shadow:var(--shadow-card);padding:28px 28px 16px}
.facts h3{font-size:18px;margin-bottom:6px}
.facts dl{margin:0}
.facts dl div{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px solid var(--line);font-size:15px}
.facts dl div:last-child{border-bottom:0}
.facts dt{color:var(--muted)}
.facts dd{margin:0;font-weight:500;text-align:right}

/* Vor- und Nachteile */
.pc{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px}
.pc ul{list-style:none;margin:6px 0 0;padding:0;display:grid;gap:14px}
.pc li{display:flex;gap:12px;align-items:flex-start;font-size:15.5px}
.pc li svg{flex:none;margin-top:2px}

/* Tabellen */
.tbl-wrap{overflow-x:auto;margin-top:40px;border-radius:14px;box-shadow:var(--shadow-soft)}
table.tbl{border-collapse:collapse;width:100%;min-width:680px;font-size:15px;background:var(--white)}
table.tbl th{background:var(--navy);color:var(--white);text-align:left;padding:16px 18px;font-size:14px;font-weight:700}
table.tbl td{padding:15px 18px;border-bottom:1px solid var(--line);vertical-align:top}
table.tbl tr:last-child td{border-bottom:0}
table.tbl td:first-child{font-weight:700}
table.tbl tbody tr:nth-child(even) td{background:#f8f9fb}

/* Querverweise */
.links-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:40px}
.links-grid .tile{display:grid;justify-items:center;gap:14px;padding:28px 14px;border-radius:16px;color:var(--navy);text-decoration:none;text-align:center;font-weight:700;font-size:17px;transition:background .2s}
.links-grid .tile:hover{background:var(--slate-100)}

/* CTA-Band */
.cta-band{position:relative;overflow:hidden;background:var(--navy-foot);color:var(--white);border-radius:28px;padding:56px clamp(24px,5vw,72px);display:grid;grid-template-columns:minmax(0,1.4fr) auto;gap:32px;align-items:center}
.cta-band::after{content:"";position:absolute;right:-60px;top:-80px;width:240px;height:240px;border-radius:50%;background:var(--accent);opacity:.9}
.cta-band>*{position:relative;z-index:1}
.cta-band h2{font-size:clamp(26px,1.3rem + 1vw,34px);color:var(--white)}
.cta-band p{margin-top:12px;color:rgba(255,255,255,.8);max-width:560px}
.cta-actions{display:grid;justify-items:center;gap:10px;font-size:13px;color:rgba(255,255,255,.75)}

/* Kennzahlen */
.stats-sec{padding-top:clamp(3rem,2rem + 3vw,5rem)}
.stats-band{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));text-align:center}
.stats-band>div{display:grid;gap:6px;padding:8px 16px}
.stats-band>div+div{border-left:1px solid var(--line)}
.stats-band b{font-size:clamp(28px,1.4rem + 1.2vw,40px);line-height:1.1}
.stats-band span{color:var(--muted);font-size:15px}

/* Person */
.person{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);gap:56px;align-items:center}
.person img{width:100%;height:auto;border-radius:20px;box-shadow:var(--shadow-card);display:block}
.person .h2{margin:10px 0 18px}
.person blockquote{margin:24px 0 0;padding-left:20px;border-left:3px solid var(--accent);font-size:19px;font-weight:500;line-height:1.5}
.person .who{margin-top:16px;font-size:15px}

/* Fließtext / Artikel / Rechtliches */
.prose{max-width:780px;margin-inline:auto}
.prose h2{font-size:28px;margin-top:48px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:21px;margin-top:32px}
.prose p{margin-top:16px}
.prose ul,.prose ol{margin:16px 0 0;padding-left:22px;display:grid;gap:8px}
.prose li::marker{color:var(--accent)}
.prose a{color:var(--blue)}
.note-box{background:var(--slate-100);border-left:4px solid var(--accent);border-radius:8px;padding:16px 20px;margin-top:24px;font-size:15px}
.legal h2{font-size:22px;margin-top:40px}
.legal p{font-size:15.5px}
.article-meta{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:18px;font-size:14px;color:var(--muted)}

/* Ratgeber-Karten */
.acards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:48px}
.acard{display:grid;grid-template-rows:auto 1fr;background:var(--white);border-radius:16px;box-shadow:var(--shadow-soft);overflow:hidden;text-decoration:none;color:var(--navy);transition:transform .2s,box-shadow .2s}
.acard:hover{transform:translateY(-3px);box-shadow:var(--shadow-card)}
.acard-vis{background:var(--slate-100);padding:18px 28px}
.acard-vis svg{width:100%;height:auto;display:block}
.acard-body{padding:22px 24px 26px;display:grid;gap:10px;align-content:start}
.acard-body h3{font-size:19px;line-height:1.3}
.acard-body p{font-size:15px;color:var(--muted)}
.acard-body .more{font-weight:500;color:var(--blue)}

/* Praxisbeispiele */
.cases{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-top:48px}
.case{background:var(--white);border-radius:16px;box-shadow:var(--shadow-soft);padding:28px;display:grid;gap:16px;align-content:start}
.case-head{display:flex;gap:16px;align-items:center}
.case-head h3{font-size:20px;margin-top:2px}
.case dl{margin:0;border-top:1px solid var(--line)}
.case dl div{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.case dt{color:var(--muted)}
.case dd{margin:0;font-weight:500;text-align:right}

/* FAQ-Seite */
.faq.faq-cards details{background:var(--white);border:0;border-radius:12px;box-shadow:var(--shadow-soft);margin-bottom:14px}
.faq.faq-cards summary{color:var(--navy);font-size:17px;padding:20px 24px}
.faq.faq-cards .ans{padding:0 24px 22px}
.toc-layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:56px;align-items:start}
.toc{position:sticky;top:calc(97px + env(safe-area-inset-top,0px));display:grid;gap:4px}
.toc p{font-size:13px;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.toc a{padding:9px 12px;border-radius:8px;color:var(--navy);text-decoration:none;font-weight:500;font-size:15px}
.toc a:hover{background:var(--slate-100)}
.faq-group{scroll-margin-top:100px}
.faq-group+.faq-group{margin-top:56px}
.faq-group h2{font-size:24px;margin-bottom:18px}
.faq-group .faq{margin-top:0}

/* Kontakt-Seite */
.contact-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:40px;align-items:start}
.form-card{background:var(--white);border-radius:20px;box-shadow:var(--shadow-card);padding:clamp(24px,3vw,40px)}
.form-card h2{font-size:26px;margin-bottom:22px}
.cform{display:grid;gap:18px}
.cform textarea.input{min-height:140px;resize:vertical;line-height:1.5}
.cform-actions{display:flex;flex-wrap:wrap;align-items:center;gap:16px}
.info-stack{display:grid;gap:16px}
.info-stack .card{padding:24px}
.info-stack .card h3{font-size:18px}

/* Portal / Hinweis */
.notice{max-width:760px;margin-inline:auto;background:var(--white);border-radius:20px;box-shadow:var(--shadow-card);padding:clamp(28px,4vw,48px);display:grid;gap:16px;justify-items:start}
.notice .ic{width:64px;height:64px;border-radius:16px;background:var(--accent-soft);display:grid;place-items:center;color:var(--navy)}
.notice h2{font-size:26px}
.notice .btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.notice .btn{text-decoration:none}

@media (max-width:991px){
  .cards{grid-template-columns:repeat(2,minmax(0,1fr))}
  .split,.person,.contact-grid,.toc-layout{grid-template-columns:1fr;gap:40px}
  .toc{position:static;display:flex;flex-wrap:wrap;gap:8px}
  .toc p{width:100%}
  .toc a{background:var(--slate-100)}
  .links-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .acards{grid-template-columns:repeat(2,minmax(0,1fr))}
  .cta-band{grid-template-columns:1fr}
  .cta-actions{justify-items:start}
}
@media (max-width:767px){
  .hero .crumbs{justify-content:center;order:0}
  .hero .checks{order:2;justify-self:center;text-align:left}
  .circle-vis{max-width:300px}
  .circle-vis::before{inset:-18px -14px auto auto;width:150px;height:150px}
  .hero-visual.hv-sub{height:260px}
  .hv-main{bottom:12px}
  .cards,.pc,.cases,.acards{grid-template-columns:1fr}
  .stats-band{grid-template-columns:1fr}
  .stats-band>div+div{border-left:0;border-top:1px solid var(--line);padding-top:18px}
  .steps-vis{min-height:240px}
  .page-hero .lead{font-size:16.5px}
  .prose h2{font-size:24px}
  .links-grid .tile{padding:20px 10px;font-size:15.5px}
}

/* Unterlagen-Tabelle */
.cmp-wrap{overflow-x:auto;margin-top:40px}
table.cmp{border-collapse:separate;border-spacing:0;width:100%;min-width:560px;border-radius:14px;overflow:hidden;box-shadow:var(--shadow-soft);font-size:15px;background:var(--white)}
table.cmp th{background:var(--navy);color:var(--white);font-weight:700;padding:22px 16px;text-align:center;font-size:14px}
table.cmp td{padding:18px 16px;text-align:center;border-bottom:1px solid var(--line);vertical-align:middle}
table.cmp td:first-child{text-align:left;width:52%}
table.cmp td:first-child b{display:block;margin-bottom:4px}
table.cmp td:last-child{background:#f8f9fb}
table.cmp small{display:block;font-size:13px;line-height:1.45;color:var(--muted)}
table.cmp tr:last-child td{border-bottom:0}

/* Firmensuche (Combobox) */
.combo{position:relative}
.combo-list{position:absolute;left:0;right:0;top:calc(100% + 6px);z-index:30;background:var(--white);border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(20,35,59,.18);max-height:340px;overflow-y:auto;padding:6px}
.combo-opt{display:grid;gap:2px;padding:10px 12px;border-radius:8px;cursor:pointer;font-size:14.5px;line-height:1.4;color:var(--navy)}
.combo-opt b{font-size:15.5px;font-weight:700}
.combo-opt small{font-size:13px;color:var(--muted)}
.combo-opt[aria-selected="true"]{background:var(--slate-100)}
.combo-badge{display:inline-block;margin-left:6px;padding:1px 8px;border-radius:99px;background:#fdecea;color:#b42318;font-size:11.5px;font-weight:700;vertical-align:1px}
.combo-empty{padding:12px;font-size:14.5px;color:var(--muted)}
.combo-foot{display:grid;gap:2px;margin-top:6px;padding:10px 12px 6px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}
.combo-foot span{font-size:11.5px}
.combo-sel{display:grid;gap:3px;background:var(--slate-100);border-radius:10px;padding:12px 14px;font-size:14px;color:var(--navy)}
.combo-sel-head{display:flex;align-items:center;gap:8px}
.combo-sel-head b{font-size:15px}
.combo-reset{justify-self:start;background:none;border:0;padding:4px 0 0;font:inherit;font-size:14px;font-weight:500;color:var(--blue);text-decoration:underline;cursor:pointer}

/* Person ohne Foto */
.person-vis{background:var(--slate-100);border-radius:20px;aspect-ratio:900/554;display:grid;place-items:center;padding:24px}
.person-vis svg{width:78%;height:auto}

/* Firmensuche: Suchknopf im Feld */
.combo .input{padding-right:118px}
.combo-btn{position:absolute;right:6px;top:6px;bottom:6px;display:inline-flex;align-items:center;gap:7px;padding:0 14px;border:0;border-radius:8px;background:var(--navy);color:var(--white);font:inherit;font-size:14px;font-weight:700;cursor:pointer;transition:background .15s,opacity .15s}
.combo-btn:hover{background:var(--navy-h)}
.combo-btn:disabled{opacity:.4;cursor:default}
.combo-btn:focus-visible{outline:2px solid var(--blue);outline-offset:2px}
.combo-busy .combo-btn span::after{content:" …"}
.combo-off .combo-btn{display:none}
.combo-off .input{padding-right:16px}

/* Startseite B (Konzept-Variante) */
.hero-tag{margin-bottom:14px}
.hero-b{padding-bottom:64px}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.hero .hero-btns .btn{margin-top:0;padding-inline:24px}
.tag-center{display:block;text-align:center;margin-bottom:12px}
.text-panel .tag{margin-bottom:12px}
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;list-style:none;margin:28px 0 0;padding:0}
.chips.left{justify-content:flex-start;margin:20px 0 4px}
.chips li{background:var(--white);border:1px solid var(--line);border-radius:99px;padding:8px 16px;font-size:14.5px;font-weight:500;line-height:1.3}
.stats-band.n4{grid-template-columns:repeat(4,minmax(0,1fr))}
.stats-band.n4 b{font-size:clamp(26px,1.1rem + 1vw,34px);white-space:nowrap}
@media (max-width:991px){
  .stats-band.n4{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:22px}
  .stats-band.n4>div:nth-child(3){border-left:0}
}
@media (max-width:767px){
  .stats-band.n4{grid-template-columns:1fr}
  .hero-b{padding-bottom:0}
  .hero-btns{margin-top:8px}
  .hero-btns .btn{flex:1 1 100%}
}

/* Cookie-Einwilligung */
.cc{position:fixed;left:16px;bottom:16px;z-index:95;width:min(480px,calc(100vw - 32px));max-height:calc(100vh - 32px);overflow:auto;background:var(--white);color:var(--navy);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-float);padding:22px 22px 18px}
.cc h2{font-size:19px;line-height:1.3;margin:0 0 8px}
.cc p{font-size:14px;line-height:1.55;margin:0;color:var(--muted)}
.cc p a{color:var(--navy);text-decoration:underline}
.cc-opts{display:grid;gap:10px;margin-top:14px}
.cc-opt{display:flex;gap:12px;align-items:flex-start;border:1px solid var(--line);border-radius:12px;padding:10px 12px;font-size:13.5px;line-height:1.45;cursor:pointer}
.cc-opt input{margin-top:3px;width:18px;height:18px;accent-color:var(--navy);flex:none}
.cc-opt b{display:block;font-size:14.5px}
.cc-btns{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:16px}
.cc-btns .btn{flex:1 1 0;width:auto;min-width:0;padding-inline:12px}
.cc-link{flex-basis:100%;text-align:left}
.cc-link{background:none;border:0;padding:6px 2px;font:inherit;font-size:14px;font-weight:600;color:var(--navy);text-decoration:underline;cursor:pointer}
@media (max-width:767px){.cc{left:8px;right:8px;bottom:8px;width:auto;padding:16px 16px 12px}.cc h2{font-size:17px}.cc p{font-size:13px;line-height:1.5}.cc-btns{margin-top:12px}}

/* Formularversand: Erfolg, Fehler, Honeypot */
.form-msg{margin:0;border-radius:12px;padding:14px 16px;font-size:15px;line-height:1.5}
.form-msg[hidden]{display:none}
.form-msg.ok{background:#e8f4ed;color:#1f5137}
.form-msg.bad{background:#fdecea;color:#8a1c12}
.form-msg a{color:inherit;font-weight:600;text-decoration:underline;overflow-wrap:anywhere}
.req-step .form-msg.bad{margin-top:16px}
.btn:disabled{cursor:default}
.btn[aria-busy=true]{opacity:.7;cursor:progress}
.cform .input:disabled{opacity:.6}
.hp{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}