/* ═══════════════════════════════════════════════════════════
   BERLIN FINANZ HAUS
   Berliner Repräsentanz
   Newsreader + Instrument Sans
   Schwarz · Rot · Gold · Sandstein
   ─────────────────────────────────────────────────────────
   Preußische Sachlichkeit meets contemporary Berlin.
   Bundesadler authority, no AI template aesthetics.
═══════════════════════════════════════════════════════════ */
@import url('https://fonts.googleapis.com/css2?family=Newsreader:ital,opsz,wght@0,6..72,300;0,6..72,400;0,6..72,500;0,6..72,600;0,6..72,700;0,6..72,800;1,6..72,300;1,6..72,400;1,6..72,600;1,6..72,800&family=Instrument+Sans:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&display=swap');

:root {
  /* ── Farben — aus dem Bundesadler-Logo ── */
  --schwarz:    #111110;
  --schwarz-2:  #1e1e1c;
  --schwarz-3:  #2c2c29;
  --grau:       #6a6862;
  --grau-lt:    #a8a5a0;
  --sand:       #f5f3ef;
  --sand-2:     #ede9e3;
  --sand-3:     #e3dfd8;
  --weiss:      #ffffff;
  --papier:     #faf9f6;

  /* Deutschlandfarben */
  --rot:        #be1c1c;
  --rot-dk:     #951515;
  --rot-lt:     #d42020;
  --rot-pale:   rgba(190,28,28,.08);
  --rot-bdr:    rgba(190,28,28,.22);
  --gold:       #c69020;
  --gold-lt:    #daa830;
  --gold-pale:  rgba(198,144,32,.09);
  --gold-bdr:   rgba(198,144,32,.28);

  /* ── Typografie ── */
  --ff-d: 'Newsreader', 'Times New Roman', Georgia, serif;
  --ff-b: 'Instrument Sans', 'Helvetica Neue', system-ui, sans-serif;

  /* ── Geometrie ── */
  --r:   3px;
  --r2:  6px;
  --max: 1180px;
  --max-sm: 820px;

  /* ── Schatten ── */
  --sh:    0 2px 12px rgba(17,17,16,.06);
  --sh-md: 0 6px 28px rgba(17,17,16,.1);
  --sh-lg: 0 16px 56px rgba(17,17,16,.14);

  --ease: cubic-bezier(.25,.46,.45,.94);
  --ease-out: cubic-bezier(.16,1,.3,1);
}

*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--ff-b);
  color: var(--schwarz);
  background: var(--papier);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: color .2s; }
ul { list-style: none; }

.wrap    { max-width: var(--max);    margin: 0 auto; padding: 0 36px; }
.wrap-sm { max-width: var(--max-sm); margin: 0 auto; padding: 0 36px; }

/* ═══════════════════════════════════════════════════════════
   FLAGGENSTREIFEN — 3-Linien Deutschlandfarben oben
═══════════════════════════════════════════════════════════ */
.flag-stripe {
  height: 5px;
  background: linear-gradient(90deg,
    var(--schwarz) 0%, var(--schwarz) 33.33%,
    var(--rot)     33.33%, var(--rot) 66.66%,
    var(--gold)    66.66%, var(--gold) 100%
  );
}

/* ═══════════════════════════════════════════════════════════
   TOPBAR
═══════════════════════════════════════════════════════════ */
.topbar {
  background: var(--schwarz);
  color: rgba(255,255,255,.42);
  font-family: var(--ff-b);
  font-size: .72rem;
  letter-spacing: .05em;
  padding: .5rem 0;
}
.tb-inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: .5rem; }
.topbar a { color: rgba(255,255,255,.55); }
.topbar a:hover { color: var(--gold-lt); }
.tb-right { display: flex; gap: 1.75rem; align-items: center; }
.tb-right span { display: flex; align-items: center; gap: .4rem; }

/* ═══════════════════════════════════════════════════════════
   HEADER
═══════════════════════════════════════════════════════════ */
.header {
  background: var(--weiss);
  position: sticky; top: 0; z-index: 900;
  border-bottom: 1px solid var(--sand-3);
  box-shadow: var(--sh);
}
.hd-inner {
  display: flex; align-items: center;
  justify-content: space-between;
  height: 78px; gap: 2rem;
}
.logo img {
  height: 62px; width: auto;
  /* Logo has white background — clean on white header */
}

/* ── Navigation ── */
.nav { display: flex; align-items: center; }
.nav a {
  font-family: var(--ff-b); font-size: .8rem; font-weight: 600;
  letter-spacing: .04em; color: var(--grau);
  padding: .5rem .95rem; transition: color .2s;
  position: relative; white-space: nowrap;
}
.nav a:hover, .nav a.aktiv { color: var(--schwarz); }
.nav a.aktiv::after {
  content: ''; position: absolute;
  bottom: -1px; left: .95rem; right: .95rem;
  height: 2px; background: var(--rot);
}
.nav-dd { position: relative; }
.nav-dd > a::after { content: none !important; }
.nav-dd > a span { font-size: .55rem; opacity: .5; vertical-align: 1px; }
.dd {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--weiss);
  border: 1px solid var(--sand-3);
  border-top: 3px solid var(--rot);
  min-width: 220px; padding: .6rem 0;
  box-shadow: var(--sh-lg);
  opacity: 0; pointer-events: none;
  transform: translateY(6px);
  transition: all .2s var(--ease);
  z-index: 200;
}
.nav-dd:hover .dd { opacity: 1; pointer-events: all; transform: translateY(0); }
.dd a {
  display: block; padding: .6rem 1.2rem;
  font-size: .78rem; font-weight: 500; color: var(--grau);
}
.dd a:hover { color: var(--schwarz); background: var(--sand); padding-left: 1.5rem; }
.dd a::after { display: none !important; }

.hd-cta { display: flex; align-items: center; gap: .75rem; }

/* ─── Buttons ─── */
.btn {
  display: inline-flex; align-items: center; gap: 7px;
  font-family: var(--ff-b); font-size: .78rem; font-weight: 700;
  letter-spacing: .05em; cursor: pointer; border: none;
  transition: all .22s var(--ease); white-space: nowrap;
}
.btn-schwarz { background: var(--schwarz); color: var(--weiss); padding: .72rem 1.6rem; border-radius: var(--r); }
.btn-schwarz:hover { background: var(--schwarz-2); box-shadow: var(--sh-md); transform: translateY(-1px); }
.btn-rot { background: var(--rot); color: var(--weiss); padding: .72rem 1.6rem; border-radius: var(--r); }
.btn-rot:hover { background: var(--rot-dk); box-shadow: 0 4px 18px rgba(190,28,28,.3); transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--weiss); padding: .72rem 1.6rem; border-radius: var(--r); }
.btn-gold:hover { background: var(--gold-lt); box-shadow: 0 4px 18px rgba(198,144,32,.3); transform: translateY(-1px); }
.btn-ol { background: transparent; border: 1.5px solid var(--schwarz); color: var(--schwarz); padding: .68rem 1.55rem; border-radius: var(--r); }
.btn-ol:hover { background: var(--schwarz); color: var(--weiss); }
.btn-ol-lt { background: transparent; border: 1.5px solid rgba(255,255,255,.3); color: rgba(255,255,255,.75); padding: .68rem 1.55rem; border-radius: var(--r); }
.btn-ol-lt:hover { border-color: var(--gold-lt); color: var(--gold-lt); }
.btn-lg { padding: .88rem 2.2rem; font-size: .84rem; }
.btn-sm { padding: .4rem .9rem; font-size: .7rem; }
.btn-voll { width: 100%; justify-content: center; }

/* ─── Mobil ─── */
.mob-btn { display: none; background: none; border: none; cursor: pointer; color: var(--schwarz); font-size: 1.3rem; padding: .3rem; }
.mob-menu {
  display: none; position: fixed; inset: 78px 0 0 0;
  z-index: 850; background: var(--weiss);
  flex-direction: column; border-top: 3px solid var(--rot);
  overflow-y: auto;
}
.mob-menu.an { display: flex; }
.mob-menu > a {
  display: block; padding: 1rem 1.5rem;
  font-size: .8rem; font-weight: 600; color: var(--grau);
  border-bottom: 1px solid var(--sand-3);
}
.mob-menu > a:hover { color: var(--schwarz); background: var(--sand); }
.mob-kontakt { background: var(--schwarz); padding: 1.4rem 1.5rem; margin-top: auto; }
.mob-kontakt-label { font-size: .62rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.28); margin-bottom: .65rem; }
.mob-kontakt a { display: flex; align-items: center; gap: .5rem; color: rgba(255,255,255,.58)!important; font-size: .82rem; padding: .45rem 0!important; border-bottom: 1px solid rgba(255,255,255,.06)!important; }
.mob-kontakt a:last-child { border: none!important; }
.mob-kontakt a:hover { color: var(--gold-lt)!important; }

/* ═══════════════════════════════════════════════════════════
   §6a PAngV COMPLIANCE — Amtliches Dokumentformat
═══════════════════════════════════════════════════════════ */
.pangv-bar {
  background: var(--sand-2);
  border-bottom: 1px solid var(--sand-3);
  border-left: 4px solid var(--gold);
  padding: .8rem 0;
}
.pangv-inner { display: flex; align-items: flex-start; gap: .85rem; }
.pangv-badge {
  font-family: var(--ff-b); font-size: .58rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase;
  background: var(--schwarz); color: var(--gold);
  padding: .2rem .55rem; border-radius: 2px; flex-shrink: 0; margin-top: 2px;
}
.pangv-bar p { font-size: .72rem; color: var(--grau); line-height: 1.6; font-family: var(--ff-b); }
.pangv-bar strong { color: var(--schwarz-2); }

/* ═══════════════════════════════════════════════════════════
   HERO — preußisch-monumental
═══════════════════════════════════════════════════════════ */
.hero {
  background: var(--schwarz);
  position: relative; overflow: hidden;
  min-height: 94vh;
  display: grid; grid-template-rows: 1fr auto;
}
/* Papier-Textur */
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 30%, rgba(198,144,32,.07) 0%, transparent 55%);
  pointer-events: none; z-index: 0;
}
/* Rot-Akzentlinie links */
.hero-rl { position: absolute; left: 36px; top: 0; bottom: 0; width: 2px; background: linear-gradient(180deg,transparent,var(--rot) 25%,var(--rot) 75%,transparent); opacity: .4; z-index: 1; }
/* Gold-Akzentlinie */
.hero-gl { position: absolute; right: 100px; top: 80px; bottom: 80px; width: 1px; background: linear-gradient(180deg,transparent,var(--gold) 20%,var(--gold) 80%,transparent); opacity: .08; z-index: 1; }

.hero-body { position: relative; z-index: 2; padding: 100px 0 64px; }
.hero-raster {
  display: grid; grid-template-columns: 1fr 400px;
  gap: 5rem; align-items: end;
}

/* Großes Wasserzeichen-Wort */
.hero-wm {
  position: absolute; right: 0; top: 40px;
  font-family: var(--ff-d); font-size: clamp(7rem,15vw,14rem);
  font-weight: 800; color: rgba(255,255,255,.025);
  line-height: 1; pointer-events: none; letter-spacing: -.04em;
  font-style: italic; user-select: none;
}

.hero-eyebrow {
  display: flex; align-items: center; gap: .75rem;
  font-family: var(--ff-b); font-size: .68rem; font-weight: 700;
  letter-spacing: .2em; text-transform: uppercase; color: var(--rot);
  margin-bottom: 1.75rem;
}
.hero-eyebrow::before { content: ''; display: block; width: 28px; height: 1.5px; background: var(--rot); }
.hero h1 {
  font-family: var(--ff-d); font-weight: 800;
  font-size: clamp(2.6rem, 5.5vw, 5.2rem);
  color: var(--weiss); line-height: 1.0; letter-spacing: -.03em;
  margin-bottom: 1.5rem;
}
.hero h1 em { font-style: italic; font-weight: 300; color: var(--gold-lt); }
.hero h1 span { display: block; }
.hero-sub {
  font-family: var(--ff-b); font-weight: 400; font-size: 1rem;
  color: rgba(255,255,255,.5); line-height: 1.82;
  max-width: 500px; margin-bottom: 2.5rem;
}
.hero-btns { display: flex; gap: .85rem; flex-wrap: wrap; margin-bottom: 3.5rem; }
.hero-kpis {
  display: flex; gap: 3rem;
  padding-top: 2rem; border-top: 1px solid rgba(255,255,255,.08);
  flex-wrap: wrap;
}
.kpi { }
.kpi-z {
  font-family: var(--ff-d); font-size: 2.2rem; font-weight: 800;
  color: var(--weiss); line-height: 1;
}
.kpi-z-gold { color: var(--gold-lt); }
.kpi-l {
  font-family: var(--ff-b); font-size: .62rem; font-weight: 600;
  letter-spacing: .1em; text-transform: uppercase;
  color: rgba(255,255,255,.3); margin-top: .35rem;
}

/* Hero rechts: Kreditrechner */
.hero-rechner {
  background: var(--papier);
  border-radius: var(--r2);
  padding: 2.2rem;
  box-shadow: 0 24px 60px rgba(0,0,0,.32);
  transform: translateY(-20px);
}
.rechner-kopf {
  font-family: var(--ff-d); font-size: 1.1rem; font-weight: 600;
  color: var(--schwarz); margin-bottom: 1.5rem;
  padding-bottom: .9rem; border-bottom: 1px solid var(--sand-3);
  display: flex; align-items: center; gap: .65rem;
}
.rechner-kopf::before { content: ''; display: block; width: 22px; height: 2px; background: var(--rot); }
.rechner-zeile { margin-bottom: 1.25rem; }
.rechner-zeile label {
  display: flex; justify-content: space-between; align-items: center;
  font-family: var(--ff-b); font-size: .67rem; font-weight: 600;
  letter-spacing: .07em; text-transform: uppercase; color: var(--grau);
  margin-bottom: .5rem;
}
.rz-val { font-family: var(--ff-d); font-size: .98rem; font-weight: 700; color: var(--schwarz); }
input[type=range] { width: 100%; accent-color: var(--rot); height: 3px; cursor: pointer; }
.rechner-ergebnis {
  background: var(--schwarz); border-radius: var(--r);
  padding: 1.25rem; margin-top: 1rem;
}
.rz-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: .38rem 0; font-size: .8rem;
  color: rgba(255,255,255,.45);
  border-bottom: 1px solid rgba(255,255,255,.05);
}
.rz-row:last-child { border-bottom: none; }
.rz-row .rl { font-family: var(--ff-b); font-size: .67rem; letter-spacing: .04em; }
.rz-row .rv { font-family: var(--ff-d); font-weight: 700; font-size: .95rem; color: var(--sand); }
.rz-row.gesamt { border-top: 1px solid rgba(255,255,255,.1); margin-top: .5rem; padding-top: .75rem; }
.rz-row.gesamt .rv { color: var(--gold-lt); font-size: 1.1rem; }

/* Hero Fußband */
.hero-band {
  position: relative; z-index: 2;
  background: rgba(255,255,255,.04);
  border-top: 1px solid rgba(255,255,255,.06);
  padding: .85rem 0;
}
.hero-band p { font-size: .71rem; color: rgba(255,255,255,.4); line-height: 1.55; }
.hero-band strong { color: var(--gold-lt); }

/* ═══════════════════════════════════════════════════════════
   SEKTIONEN
═══════════════════════════════════════════════════════════ */
.sektion     { padding: 96px 0; }
.sektion-sm  { padding: 64px 0; }
.s-sand      { background: var(--sand); }
.s-papier    { background: var(--papier); }
.s-schwarz   { background: var(--schwarz-2); }
.s-weiss     { background: var(--weiss); }

.rubrik {
  display: flex; align-items: center; gap: .65rem;
  font-family: var(--ff-b); font-size: .65rem; font-weight: 700;
  letter-spacing: .18em; text-transform: uppercase;
  color: var(--rot); margin-bottom: .9rem;
}
.rubrik::before { content: ''; display: block; width: 22px; height: 1.5px; background: var(--rot); }
h2.htt {
  font-family: var(--ff-d); font-weight: 800;
  font-size: clamp(2rem, 3.8vw, 3rem);
  color: var(--schwarz); line-height: 1.05; letter-spacing: -.025em;
}
.s-schwarz h2.htt { color: var(--sand); }
h2.htt em { font-style: italic; font-weight: 300; color: var(--rot); }
.s-schwarz h2.htt em { color: var(--gold-lt); }
.untertitel {
  font-family: var(--ff-b); font-size: .95rem; color: var(--grau);
  line-height: 1.85; margin-top: .9rem; max-width: 520px;
}
.s-schwarz .untertitel { color: rgba(245,243,239,.45); }

/* ═══════════════════════════════════════════════════════════
   LEISTUNGEN — Institutionelle Liste
═══════════════════════════════════════════════════════════ */
.lst { border-top: 2px solid var(--schwarz); }
.lst-zeile {
  display: grid; grid-template-columns: 72px 1fr 1fr auto;
  gap: 2.5rem; align-items: center;
  padding: 1.85rem 0;
  border-bottom: 1px solid var(--sand-3);
  transition: all .2s;
}
.lst-zeile:hover { background: var(--sand); padding-left: 1.25rem; margin-left: -1.25rem; }
.lst-n {
  font-family: var(--ff-d); font-size: 2.4rem; font-weight: 300;
  font-style: italic; color: var(--sand-3); line-height: 1;
  transition: color .2s;
}
.lst-zeile:hover .lst-n { color: var(--rot); }
.lst-name { font-family: var(--ff-d); font-size: 1.2rem; font-weight: 700; color: var(--schwarz); line-height: 1.2; }
.lst-info { font-family: var(--ff-b); font-size: .84rem; color: var(--grau); line-height: 1.7; }
.lst-pfeil {
  font-family: var(--ff-b); font-size: .68rem; font-weight: 700;
  letter-spacing: .06em; text-transform: uppercase; color: var(--rot);
  flex-shrink: 0; transition: transform .2s;
}
.lst-zeile:hover .lst-pfeil { transform: translateX(4px); }

/* ═══════════════════════════════════════════════════════════
   PROZESS
═══════════════════════════════════════════════════════════ */
.prozess-raster { display: grid; grid-template-columns: repeat(4,1fr); }
.prozess-schritt {
  padding: 2.5rem 2.5rem 2.5rem 0;
  border-right: 1px solid var(--sand-3);
}
.prozess-schritt:last-child { border-right: none; padding-right: 0; }
.prozess-schritt + .prozess-schritt { padding-left: 2.5rem; }
.p-nr {
  font-family: var(--ff-d); font-size: 3.8rem; font-weight: 800;
  font-style: italic; color: var(--sand-3); line-height: .9; margin-bottom: 1.2rem;
}
.s-schwarz .p-nr { color: rgba(255,255,255,.06); }
.p-titel { font-family: var(--ff-d); font-size: 1.05rem; font-weight: 700; color: var(--schwarz); margin-bottom: .5rem; }
.s-schwarz .p-titel { color: var(--sand); }
.p-text { font-family: var(--ff-b); font-size: .83rem; color: var(--grau); line-height: 1.75; }
.s-schwarz .p-text { color: rgba(245,243,239,.42); }

/* ═══════════════════════════════════════════════════════════
   REPRÄSENTATIVES BEISPIEL — Amtsdokument-Stil
═══════════════════════════════════════════════════════════ */
.rep-dok {
  background: var(--weiss);
  border: 1px solid var(--sand-3);
  border-left: 4px solid var(--gold);
  border-radius: 0 var(--r2) var(--r2) 0;
  overflow: hidden; box-shadow: var(--sh-md);
}
.rep-kopf {
  background: var(--schwarz); padding: 1.2rem 1.75rem;
  display: flex; align-items: center; justify-content: space-between;
}
.rep-kopf-titel {
  font-family: var(--ff-d); font-size: 1rem; font-weight: 600; color: var(--sand);
  display: flex; align-items: center; gap: .75rem;
}
.rep-kopf-titel::before { content: ''; display: block; width: 18px; height: 2px; background: var(--gold); }
.rep-kopf-ref { font-family: var(--ff-b); font-size: .6rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.25); }
.rep-felder { display: grid; grid-template-columns: repeat(3,1fr); }
.rep-feld {
  padding: 1.25rem 1.5rem;
  border-right: 1px solid var(--sand-3);
  border-bottom: 1px solid var(--sand-3);
}
.rep-feld:nth-child(3n) { border-right: none; }
.rep-feld:nth-last-child(-n+3) { border-bottom: none; }
.rep-feld-bez { font-family: var(--ff-b); font-size: .62rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--grau-lt); margin-bottom: .4rem; }
.rep-feld-wert { font-family: var(--ff-d); font-size: 1.3rem; font-weight: 800; color: var(--schwarz); line-height: 1; }
.rep-feld.hl .rep-feld-wert { color: var(--rot); font-size: 1.6rem; }
.rep-fuss { background: var(--sand); padding: .75rem 1.5rem; font-family: var(--ff-b); font-size: .7rem; color: var(--grau); line-height: 1.65; font-style: italic; border-top: 1px solid var(--sand-3); }

/* ═══════════════════════════════════════════════════════════
   STATISTIKEN
═══════════════════════════════════════════════════════════ */
.stat-band {
  display: grid; grid-template-columns: repeat(4,1fr);
  border-top: 2px solid var(--schwarz);
  border-bottom: 2px solid var(--schwarz);
}
.stat-feld {
  padding: 2.5rem 2rem; text-align: center;
  border-right: 1px solid var(--sand-3);
}
.stat-feld:last-child { border-right: none; }
.stat-zahl {
  font-family: var(--ff-d); font-weight: 800;
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  color: var(--schwarz); line-height: 1;
}
.stat-zahl-rot { color: var(--rot); }
.stat-bez {
  font-family: var(--ff-b); font-size: .62rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase;
  color: var(--grau-lt); margin-top: .55rem;
}

/* ═══════════════════════════════════════════════════════════
   FAQ
═══════════════════════════════════════════════════════════ */
.faq-pos { border-bottom: 1px solid var(--sand-3); }
.faq-pos:first-child { border-top: 1px solid var(--sand-3); }
.faq-frage {
  display: flex; justify-content: space-between; align-items: center;
  padding: 1.3rem 0; cursor: pointer; user-select: none;
  transition: color .2s;
}
.faq-frage:hover { color: var(--rot); }
.faq-frage-t { font-family: var(--ff-d); font-size: .98rem; font-weight: 700; line-height: 1.3; }
.faq-ikone {
  width: 26px; height: 26px;
  border: 1.5px solid var(--sand-3); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .75rem; font-weight: 800; color: var(--rot);
  flex-shrink: 0; margin-left: 1.5rem; transition: all .22s;
}
.faq-pos.auf .faq-ikone { background: var(--rot); color: var(--weiss); border-color: var(--rot); transform: rotate(45deg); }
.faq-antwort {
  display: none; padding: 0 0 1.3rem;
  font-family: var(--ff-b); font-size: .9rem; color: var(--grau);
  line-height: 1.85; max-width: 680px;
}
.faq-antwort a { color: var(--rot); text-decoration: underline; }
.faq-pos.auf .faq-antwort { display: block; }

/* ═══════════════════════════════════════════════════════════
   FORMULARE
═══════════════════════════════════════════════════════════ */
.formular {
  background: var(--weiss);
  border: 1px solid var(--sand-3); border-radius: var(--r2);
  overflow: hidden; box-shadow: var(--sh-md);
}
.formular-kopf {
  background: var(--schwarz); padding: 1.25rem 2rem;
  display: flex; align-items: center; gap: .7rem;
  font-family: var(--ff-d); font-size: 1rem; font-weight: 600; color: var(--sand);
}
.formular-kopf::before { content: ''; display: block; width: 20px; height: 2px; background: var(--rot); }
.formular-body { padding: 2rem; }
.fg { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.fg-full { grid-column: 1 / -1; }
.ff { display: flex; flex-direction: column; gap: .38rem; }
.ff label {
  font-family: var(--ff-b); font-size: .62rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase; color: var(--grau);
}
.ff input, .ff select, .ff textarea {
  width: 100%; padding: .78rem 1rem;
  border: 1.5px solid var(--sand-3); border-radius: var(--r);
  font-family: var(--ff-b); font-size: .92rem; color: var(--schwarz);
  background: var(--papier); transition: border-color .2s;
}
.ff input:focus, .ff select:focus, .ff textarea:focus {
  outline: none; border-color: var(--rot);
  box-shadow: 0 0 0 3px var(--rot-pale);
}
.ff textarea { resize: vertical; min-height: 110px; }
.f-sekt {
  font-family: var(--ff-b); font-size: .62rem; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase; color: var(--grau-lt);
  padding-bottom: .5rem; border-bottom: 1px solid var(--sand-3); margin-bottom: .2rem;
}
.zust {
  display: flex; align-items: flex-start; gap: 9px;
  font-family: var(--ff-b); font-size: .82rem; color: var(--grau); line-height: 1.65;
}
.zust input[type=checkbox] { margin-top: 3px; width: 15px; height: 15px; accent-color: var(--rot); flex-shrink: 0; }
.zust a { color: var(--rot); text-decoration: underline; }

/* ═══════════════════════════════════════════════════════════
   SEITEN-HERO
═══════════════════════════════════════════════════════════ */
.s-hero {
  background: var(--schwarz); padding: 90px 0 60px;
  position: relative; overflow: hidden;
}
.s-hero::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px; background: linear-gradient(90deg, var(--rot) 0%, var(--gold) 33%, transparent 60%);
}
.s-hero .wrap { position: relative; z-index: 1; }
.breadcrumb {
  display: flex; gap: .4rem; align-items: center;
  font-family: var(--ff-b); font-size: .62rem; letter-spacing: .1em; text-transform: uppercase;
  color: rgba(255,255,255,.28); margin-bottom: 1.25rem; flex-wrap: wrap;
}
.breadcrumb a { color: rgba(255,255,255,.32); }
.breadcrumb a:hover { color: var(--gold-lt); }
.breadcrumb .sx { color: rgba(255,255,255,.18); }
.s-hero h1 {
  font-family: var(--ff-d); font-size: clamp(2.2rem,5vw,3.8rem);
  font-weight: 800; color: var(--sand); line-height: 1.05; letter-spacing: -.025em;
}
.s-hero h1 em { font-style: italic; font-weight: 300; color: var(--gold-lt); }
.s-hero .sub { font-family: var(--ff-b); font-weight: 400; color: rgba(245,243,239,.48); font-size: .95rem; margin-top: .85rem; max-width: 520px; }

/* Kredit-Badges */
.kr-pills { display: inline-flex; margin-top: 2rem; border: 1px solid rgba(255,255,255,.1); border-radius: var(--r); overflow: hidden; }
.kr-pill { padding: .7rem 1.4rem; border-right: 1px solid rgba(255,255,255,.1); font-size: .7rem; color: rgba(255,255,255,.4); font-family: var(--ff-b); }
.kr-pill:last-child { border-right: none; }
.kr-pill strong { display: block; font-family: var(--ff-d); font-size: 1.1rem; font-weight: 800; color: var(--gold-lt); line-height: 1; margin-bottom: .15rem; }

/* ═══════════════════════════════════════════════════════════
   BOXEN
═══════════════════════════════════════════════════════════ */
.box-rot  { background: var(--rot-pale); border-left: 3px solid var(--rot); padding: 1rem 1.25rem; font-size: .83rem; color: var(--schwarz-3); line-height: 1.72; }
.box-rot strong { color: var(--rot-dk); }
.box-gold { background: var(--gold-pale); border-left: 3px solid var(--gold); padding: 1rem 1.25rem; font-size: .83rem; color: var(--schwarz-3); line-height: 1.72; }
.box-gold strong { color: var(--gold); }
.box-warn { background: #fff8e8; border-left: 3px solid #e6a010; padding: .9rem 1.1rem; font-size: .82rem; color: #7a4a00; line-height: 1.72; }
.box-dk   { background: rgba(17,17,16,.05); border-left: 3px solid var(--schwarz); padding: .9rem 1.1rem; font-size: .82rem; color: var(--schwarz-3); line-height: 1.72; }

/* ═══════════════════════════════════════════════════════════
   KONTAKT-INFO
═══════════════════════════════════════════════════════════ */
.ki-zeile { display: flex; gap: 1.2rem; align-items: flex-start; padding: 1.4rem 0; border-bottom: 1px solid var(--sand-3); }
.ki-zeile:first-child { border-top: 1px solid var(--sand-3); }
.ki-icon { width: 44px; height: 44px; background: var(--rot-pale); border: 1px solid var(--rot-bdr); border-radius: var(--r); display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0; }
.ki-bez { font-family: var(--ff-b); font-size: .62rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--grau-lt); margin-bottom: .3rem; }
.ki-wert { font-family: var(--ff-d); font-size: 1.05rem; font-weight: 700; color: var(--schwarz); }
.ki-wert a { color: var(--rot); }
.ki-wert a:hover { color: var(--rot-lt); }
.ki-sub { font-family: var(--ff-b); font-size: .78rem; color: var(--grau); margin-top: .2rem; }

/* ═══════════════════════════════════════════════════════════
   COOKIE
═══════════════════════════════════════════════════════════ */
.cookie { position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999; background: var(--schwarz-2); border-top: 3px solid var(--gold); padding: 1.1rem 1.5rem; display: none; }
.cookie.an { display: block; }
.cookie-i { max-width: var(--max); margin: 0 auto; display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap; }
.cookie-txt { flex: 1; font-size: .78rem; color: rgba(255,255,255,.58); line-height: 1.65; min-width: 200px; }
.cookie-txt a { color: var(--gold-lt); text-decoration: underline; }
.cookie-btns { display: flex; gap: .7rem; flex-shrink: 0; }

/* ═══════════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════════ */
.footer { background: var(--schwarz); color: rgba(255,255,255,.7); }
.ftr-haupt {
  padding: 64px 0 48px;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.6fr;
  gap: 3rem; border-bottom: 1px solid rgba(255,255,255,.1);
}
.ftr-logo img { height: 68px; width: auto; margin-bottom: 1rem; background: var(--papier); padding: 6px 12px; border-radius: var(--r2); }
.ftr-claim { font-family: var(--ff-d); font-style: italic; font-size: .9rem; color: rgba(255,255,255,.58); line-height: 1.8; max-width: 250px; margin-bottom: 1.25rem; }
.ftr-ki { display: flex; flex-direction: column; gap: .45rem; }
.ftr-ki span { font-size: .8rem; color: rgba(255,255,255,.65); display: flex; align-items: center; gap: .4rem; }
.ftr-ki a { color: rgba(255,255,255,.75); }
.ftr-ki a:hover { color: var(--gold-lt); }
.ftr-kol-kopf { font-family: var(--ff-b); font-size: .62rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: 1.2rem; }
.ftr-links { display: flex; flex-direction: column; gap: .48rem; }
.ftr-links a { font-size: .82rem; color: rgba(255,255,255,.65); transition: all .2s; }
.ftr-links a:hover { color: var(--gold-lt); padding-left: 3px; }
.ftr-reg { font-size: .7rem; line-height: 1.85; color: rgba(255,255,255,.5); }
.ftr-reg strong { color: rgba(255,255,255,.72); }
.ftr-unten {
  padding: 1.25rem 0;
  display: flex; justify-content: space-between; align-items: center;
  font-family: var(--ff-b); font-size: .7rem; color: rgba(255,255,255,.5);
  flex-wrap: wrap; gap: .5rem;
}
.ftr-unten a { color: rgba(255,255,255,.6); }
.ftr-unten a:hover { color: var(--gold-lt); }
.ftr-flagge { display: flex; gap: 3px; align-items: center; }
.ftr-flagge span { width: 8px; height: 8px; border-radius: 50%; }

/* ═══════════════════════════════════════════════════════════
   UTILITIES
═══════════════════════════════════════════════════════════ */
.tc { text-align: center; }
.mt1{margin-top:.5rem}.mt2{margin-top:1rem}.mt3{margin-top:1.5rem}.mt4{margin-top:2rem}.mt5{margin-top:2.5rem}
.mb2{margin-bottom:1rem}.mb3{margin-bottom:1.5rem}
.strich { width: 44px; height: 3px; background: var(--rot); margin: 1.5rem 0; }

/* ═══════════════════════════════════════════════════════════
   LAYOUT-RASTER — responsive Spalten-Layouts
═══════════════════════════════════════════════════════════ */
.col-2    { display:grid; grid-template-columns:1fr 1fr; align-items:start; }
.col-form { display:grid; grid-template-columns:1fr 360px; gap:3rem; align-items:start; }
.col-1-2  { display:grid; grid-template-columns:1fr 2fr; }
.col-cta  { display:grid; grid-template-columns:1fr auto; gap:3rem; align-items:center; }
.col-tri  { display:grid; grid-template-columns:repeat(3,1fr); }
.col-form-aside { position:sticky; top:96px; }

/* ═══════════════════════════════════════════════════════════
   ANIMATIONEN
═══════════════════════════════════════════════════════════ */
@keyframes aufSteigen {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}
.a1 { animation: aufSteigen .75s var(--ease-out) both; }
.a2 { animation: aufSteigen .75s .12s var(--ease-out) both; }
.a3 { animation: aufSteigen .75s .24s var(--ease-out) both; }

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════════════ */
@media(max-width:1024px) {
  .hero-raster { grid-template-columns: 1fr; gap: 3rem; }
  .hero-rechner { transform: none; max-width: 500px; }
  .ftr-haupt { grid-template-columns: 1fr 1fr; }
  .prozess-raster { grid-template-columns: 1fr 1fr; }
  .prozess-schritt:nth-child(even) { border-right: none; }
  .prozess-schritt { border-bottom: 1px solid var(--sand-3); padding-bottom: 2rem; }
  .rep-felder { grid-template-columns: repeat(2,1fr); }
  .stat-band { grid-template-columns: repeat(2,1fr); }
  .stat-feld:nth-child(2) { border-right: none; }
  .stat-feld:nth-child(3) { border-right: 1px solid var(--sand-3); }
  .lst-zeile { grid-template-columns: 56px 1fr; gap: 1.5rem; }
  .lst-info, .lst-pfeil { display: none; }
  .col-form { grid-template-columns: 1fr; }
  .col-form-aside { position: static; top: auto; }
}
@media(max-width:768px) {
  .wrap, .wrap-sm { padding: 0 20px; }
  .hero-body { padding: 80px 0 56px; }
  .hero h1 { font-size: 2.2rem; }
  .nav, .hd-cta .btn-schwarz { display: none; }
  .mob-btn { display: flex; }
  h2.htt { font-size: 1.95rem; }
  .s-hero h1 { font-size: 2rem; }
  .ftr-haupt { grid-template-columns: 1fr; gap: 2rem; }
  .tb-right { display: none; }
  .fg { grid-template-columns: 1fr; }
  .prozess-raster { grid-template-columns: 1fr; }
  .prozess-schritt { border-right: none; }
  .stat-band { grid-template-columns: 1fr 1fr; }
  .rep-felder { grid-template-columns: 1fr; }
  .rep-feld { border-right: none; }
  .kr-pills { flex-direction: column; display: flex; }
  .kr-pill { border-right: none; border-bottom: 1px solid rgba(255,255,255,.1); }
  .hero-kpis { gap: 2rem; }
  .col-2, .col-1-2 { grid-template-columns: 1fr; gap: 2.5rem; }
  .col-cta { grid-template-columns: 1fr; }
  .col-tri { grid-template-columns: 1fr 1fr; }
  .sektion { padding: 60px 0; }
  .sektion-sm { padding: 40px 0; }
  .pangv-bar p { font-size: .68rem; }
}
@media(max-width:480px) {
  .hero h1 { font-size: 1.9rem; }
  .formular-body { padding: 1.25rem; }
  .stat-band { grid-template-columns: 1fr; }
  .stat-feld { border-right: none; border-bottom: 1px solid var(--sand-3); }
  .col-tri { grid-template-columns: 1fr; }
  .col-tri > * { border-right: none !important; border-bottom: 1px solid var(--sand-3); }
  .col-tri > *:last-child { border-bottom: none; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { width: 100%; justify-content: center; }
  .sektion { padding: 44px 0; }
  .sektion-sm { padding: 28px 0; }
  .s-hero { padding: 52px 0 36px; }
  .hd-cta { gap: .4rem; }
}