:root {
  --ink: #162022;
  --muted: #5f6e71;
  --line: #d6e8ec;
  --soft: #eef9f6;
  --paper: #ffffff;
  --blue: #073f78;
  --blue-soft: #e7f1fa;
  --teal: #078d98;
  --green: #126b57;
  --green-dark: #0d4e42;
  --mint: #d9efe8;
  --gold: #c8952e;
  --coral: #db6b57;
  --shadow: 0 18px 50px rgba(7, 63, 120, 0.13);
  --focus: 0 0 0 4px rgba(7, 141, 152, 0.22);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  background:
    linear-gradient(180deg, #ffffff 0%, #f4fbff 32%, #effaf7 68%, #ffffff 100%);
  line-height: 1.5;
  overflow-x: hidden;
}

body.legal-open {
  overflow: hidden;
}

a {
  color: inherit;
}

button,
input,
select,
textarea {
  font: inherit;
}

:focus-visible {
  outline: 3px solid rgba(7, 141, 152, 0.66);
  outline-offset: 3px;
  box-shadow: var(--focus);
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 40;
  padding: 10px 14px;
  color: #fff;
  background: var(--blue);
  border-radius: 8px;
  box-shadow: var(--shadow);
  font-weight: 800;
  text-decoration: none;
  transform: translateY(-160%);
  transition: transform 160ms ease;
}

.skip-link:focus-visible {
  transform: translateY(0);
}

.site-header {
  position: fixed;
  top: 0;
  right: 0;
  left: 0;
  z-index: 11;
  display: grid;
  grid-template-columns: minmax(250px, 0.9fr) minmax(0, auto) minmax(170px, 0.64fr);
  align-items: center;
  gap: 14px;
  padding: 14px clamp(18px, 4vw, 56px);
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 10px 34px rgba(7, 63, 120, 0.08);
  backdrop-filter: blur(14px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  justify-self: start;
  text-decoration: none;
  min-width: 0;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 64px;
  height: 64px;
  flex: 0 0 auto;
  background: #fff;
  border: 1px solid rgba(7, 63, 120, 0.08);
  border-radius: 50%;
  box-shadow: 0 10px 28px rgba(7, 63, 120, 0.18);
}

.brand-logo {
  display: block;
  width: 58px;
  height: 58px;
  object-fit: contain;
  object-position: center;
  border-radius: 50%;
}

.brand strong,
.brand small {
  display: block;
}

.brand-copy strong {
  color: var(--blue);
  font-size: clamp(26px, 2.5vw, 39px);
  line-height: 0.95;
  letter-spacing: 0;
}

.brand-copy strong span {
  color: var(--teal);
}

.brand small {
  margin-top: 6px;
  color: #466067;
  font-size: 13px;
  font-weight: 700;
}

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

.menu-toggle {
  display: none;
}

.nav {
  display: flex;
  align-items: center;
  justify-content: center;
  justify-self: center;
  gap: 5px;
  padding: 7px;
  color: var(--blue);
  font-size: 15px;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-radius: 999px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.88), 0 12px 30px rgba(7, 63, 120, 0.09);
}

.nav a,
.site-footer a,
.legal-link {
  text-decoration: none;
}

.nav a {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 40px;
  padding: 0 13px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-weight: 800;
  white-space: nowrap;
  transition: color 160ms ease, background 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.nav a span {
  display: inline-block;
  transform: translateY(-0.25px);
}

.nav a::after {
  content: "";
  position: absolute;
  right: 13px;
  bottom: 7px;
  left: 13px;
  height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--teal), #2fbd73);
  border-radius: 999px;
  opacity: 0;
  transform: scaleX(0.5);
  transition: opacity 160ms ease, transform 160ms ease;
}

.nav a:hover,
.site-footer a:hover,
.legal-link:hover {
  color: var(--teal);
}

.nav a:hover {
  background: rgba(255, 255, 255, 0.86);
  box-shadow: 0 10px 22px rgba(7, 63, 120, 0.12);
  transform: translateY(-1px);
}

.nav a.is-active {
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  box-shadow: 0 12px 24px rgba(7, 63, 120, 0.16);
}

.nav a:hover::after {
  opacity: 1;
  transform: scaleX(1);
}

.nav a.is-active::after {
  opacity: 0;
}

.header-action,
.button,
.contact-form button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 20px;
  border: 1px solid transparent;
  border-radius: 8px;
  font-weight: 700;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
}

.header-action {
  justify-self: end;
}

.hero .button {
  min-height: 52px;
  padding-inline: 24px;
  font-size: 16px;
}

.header-action,
.button.primary,
.contact-form button {
  color: #fff;
  background: linear-gradient(135deg, #073f78 0%, #075f8f 52%, #078d98 76%, #064b76 100%);
  box-shadow: 0 12px 24px rgba(7, 63, 120, 0.18);
}

.header-action::after,
.button::after,
.contact-form button::after {
  content: none !important;
}

.button.secondary {
  color: var(--green-dark);
  background: #fff;
  border-color: var(--line);
}

.button.secondary:hover {
  color: var(--blue);
  border-color: rgba(7, 141, 152, 0.32);
  box-shadow: 0 12px 26px rgba(7, 63, 120, 0.1);
}

.header-action:hover,
.button.primary:hover,
.contact-form button:hover {
  background: var(--green-dark);
}

.hero {
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(300px, 0.75fr);
  gap: clamp(28px, 5vw, 64px);
  min-height: 680px;
  padding: clamp(72px, 9vw, 120px) clamp(20px, 5vw, 72px);
  align-items: center;
  background:
    linear-gradient(105deg, rgba(255, 255, 255, 0.96) 0%, rgba(231, 241, 250, 0.9) 45%, rgba(217, 239, 232, 0.84) 100%),
    url("assets/hero-pattern.svg");
  background-size: cover;
}

.hero::before {
  content: "";
  position: absolute;
  inset: auto -120px -170px auto;
  width: min(54vw, 620px);
  aspect-ratio: 1;
  background: url("assets/wenigerzahler-logo.png?v=2") center / contain no-repeat;
  opacity: 0.075;
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, transparent 0 61%, rgba(7, 63, 120, 0.08) 61% 62%, transparent 62%),
    linear-gradient(150deg, transparent 0 70%, rgba(7, 141, 152, 0.1) 70% 71%, transparent 71%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 780px;
}

.eyebrow {
  display: inline-flex;
  width: fit-content;
  margin: 0 0 14px;
  padding: 7px 11px;
  color: var(--teal);
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(7, 141, 152, 0.18);
  border-radius: 8px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  margin-bottom: 22px;
  max-width: 760px;
  font-size: clamp(44px, 6vw, 82px);
  line-height: 0.98;
  letter-spacing: 0;
  color: var(--blue);
  text-shadow: 0 2px 0 rgba(255, 255, 255, 0.72);
}

h1 span {
  display: inline-block;
  color: transparent;
  background: linear-gradient(135deg, var(--blue), var(--teal) 55%, #2fbd73);
  background-clip: text;
  -webkit-background-clip: text;
}

h2 {
  margin-bottom: 16px;
  font-size: clamp(28px, 3vw, 44px);
  line-height: 1.08;
  letter-spacing: 0;
  color: var(--blue);
}

h3 {
  margin-bottom: 10px;
  font-size: 22px;
  color: var(--blue);
}

.lead {
  max-width: 680px;
  color: #344c52;
  font-size: 20px;
  font-weight: 600;
  line-height: 1.48;
}

.lead strong {
  color: var(--blue);
  font-weight: 900;
}

.hero-actions,
.contact-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.contact-direct {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 8px 14px;
  align-items: center;
  margin-top: 18px;
  padding: 16px;
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.84);
}

.contact-direct span {
  color: #486169;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.contact-direct strong {
  grid-column: 1;
  color: var(--blue);
  font-size: 20px;
}

.contact-direct strong a {
  text-decoration: none;
}

.contact-direct button {
  grid-column: 2;
  grid-row: 1 / span 2;
  padding: 11px 14px;
  color: var(--blue);
  font: inherit;
  font-weight: 900;
  border: 1px solid rgba(7, 63, 120, 0.18);
  border-radius: 8px;
  background: #fff;
  cursor: pointer;
}

.contact-direct button:hover {
  transform: translateY(-1px);
  border-color: rgba(0, 142, 150, 0.36);
  box-shadow: 0 12px 22px rgba(7, 63, 120, 0.1);
}

.service-hours {
  margin-top: 14px;
  padding: 16px;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.78), rgba(238, 249, 246, 0.88));
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-left: 5px solid var(--blue);
  border-radius: 8px;
}

.service-hours div {
  display: grid;
  gap: 4px;
  margin-bottom: 8px;
}

.service-hours span {
  color: var(--teal);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.service-hours strong {
  color: var(--blue);
  font-size: 18px;
}

.service-hours p {
  margin: 0;
  color: #40585d;
  font-size: 14px;
  font-weight: 750;
}

.hours-status {
  margin-top: 12px;
  padding: 12px 14px;
  color: var(--blue);
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-radius: 8px;
  font-weight: 850;
}

.hours-status.is-open {
  color: var(--green-dark);
  background: rgba(238, 249, 246, 0.9);
  border-color: rgba(47, 189, 115, 0.34);
}

.hero-proof {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  max-width: 660px;
  margin-top: 30px;
}

.hero-proof div {
  padding: 22px 22px 20px;
  background: rgba(255, 255, 255, 0.84);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-bottom: 4px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 16px 34px rgba(7, 63, 120, 0.08);
}

.hero-proof div:nth-child(2) {
  border-bottom-color: var(--blue);
}

.hero-proof div:nth-child(3) {
  border-bottom-color: #2fbd73;
}

.hero-proof strong,
.hero-proof span {
  display: block;
}

.hero-proof strong {
  color: var(--blue);
  font-size: 20px;
  line-height: 1.1;
}

.hero-proof span {
  margin-top: 10px;
  color: #40585d;
  font-size: 15px;
  font-weight: 700;
  line-height: 1.35;
}

.hero-note {
  position: relative;
  max-width: 610px;
  margin: 24px 0 0;
  padding: 15px 18px 15px 22px;
  color: #24454c;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-left: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 12px 28px rgba(7, 63, 120, 0.07);
  font-size: 16px;
  font-weight: 800;
  line-height: 1.45;
}

.trust-panel {
  position: relative;
  z-index: 1;
  padding: 32px;
  background: rgba(255, 255, 255, 0.86);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-top: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.panel-kicker,
.card-kicker {
  margin: 0 0 10px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.trust-panel h2 {
  margin-bottom: 14px;
  font-size: 30px;
}

.trust-panel p {
  color: #344c52;
  font-weight: 600;
  font-size: 17px;
  line-height: 1.58;
  margin-bottom: 0;
}

.quickstart {
  padding: 24px clamp(20px, 5vw, 72px);
  background: #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.quickstart-inner {
  display: grid;
  grid-template-columns: minmax(220px, 0.34fr) minmax(0, 1fr);
  gap: 18px;
  align-items: center;
}

.quickstart-copy h2 {
  margin: 0;
  font-size: clamp(26px, 3vw, 38px);
}

.quickstart-actions {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
}

.quickstart-actions a {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 10px;
  align-items: center;
  min-height: 68px;
  padding: 14px;
  color: var(--blue);
  text-decoration: none;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.76), rgba(238, 249, 246, 0.9));
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-radius: 8px;
  box-shadow: 0 12px 28px rgba(7, 63, 120, 0.07);
  transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease;
}

.quickstart-actions a:hover {
  transform: translateY(-2px);
  border-color: rgba(0, 142, 150, 0.32);
  box-shadow: 0 18px 36px rgba(7, 63, 120, 0.12);
}

.quickstart-actions span {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 8px;
  font-size: 12px;
  font-weight: 900;
}

.quickstart-actions a:nth-child(2) span {
  background: linear-gradient(135deg, var(--green), var(--green-dark));
}

.quickstart-actions a:nth-child(3) span {
  background: linear-gradient(135deg, var(--coral), #f59f67);
}

.quickstart-actions a:nth-child(4) span {
  background: linear-gradient(135deg, var(--teal), #2fbd73);
}

.quickstart-actions a:nth-child(5) span {
  background: linear-gradient(135deg, var(--green-dark), #2fbd73);
}

.quickstart-actions strong {
  overflow: hidden;
  font-size: 17px;
  line-height: 1.15;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.compass {
  display: grid;
  grid-template-columns: minmax(260px, 0.42fr) minmax(0, 1fr);
  gap: clamp(24px, 5vw, 60px);
  align-items: start;
  background:
    linear-gradient(180deg, #ffffff 0%, rgba(244, 251, 255, 0.94) 100%),
    #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.compass-copy {
  position: sticky;
  top: 126px;
}

.compass-copy h2 {
  margin-bottom: 14px;
}

.compass-copy p {
  color: #40585d;
  font-size: 18px;
  font-weight: 650;
}

.compass-tool {
  display: grid;
  grid-template-columns: minmax(220px, 0.52fr) minmax(0, 1fr);
  gap: 18px;
  align-items: stretch;
}

.compass-options {
  display: grid;
  gap: 10px;
}

.compass-options button {
  display: grid;
  gap: 5px;
  min-height: 82px;
  padding: 16px;
  text-align: left;
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-left: 5px solid rgba(7, 141, 152, 0.26);
  border-radius: 8px;
  box-shadow: 0 12px 28px rgba(7, 63, 120, 0.06);
  cursor: pointer;
  transition: transform 160ms ease, border-color 160ms ease, box-shadow 160ms ease;
}

.compass-options button:hover,
.compass-options button.active {
  transform: translateY(-1px);
  border-color: rgba(7, 141, 152, 0.34);
  border-left-color: var(--teal);
  box-shadow: 0 18px 36px rgba(7, 63, 120, 0.1);
}

.compass-options button.active {
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.9), rgba(238, 249, 246, 0.96));
}

.compass-options span,
.compass-options strong {
  display: block;
}

.compass-options span {
  color: var(--teal);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.compass-options strong {
  color: var(--blue);
  font-size: 17px;
  line-height: 1.2;
}

.compass-result {
  display: flex;
  flex-direction: column;
  min-height: 470px;
  padding: 28px;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(238, 249, 246, 0.92)),
    #fff;
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-top: 5px solid var(--blue);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.compass-result h3 {
  margin-bottom: 12px;
  font-size: clamp(28px, 3vw, 40px);
}

.compass-result p {
  color: #40585d;
  font-weight: 650;
}

.compass-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: auto;
}

.compass-note {
  margin: 18px 0 0;
  padding-top: 14px;
  border-top: 1px solid rgba(7, 63, 120, 0.12);
  font-size: 13px;
}

.brand-depth {
  display: grid;
  grid-template-columns: minmax(260px, 0.62fr) minmax(0, 1fr);
  gap: clamp(24px, 5vw, 64px);
  align-items: center;
  background:
    linear-gradient(135deg, rgba(7, 63, 120, 0.96), rgba(7, 141, 152, 0.92) 58%, rgba(13, 78, 66, 0.96)),
    url("assets/hero-pattern.svg");
  background-size: cover;
}

.brand-depth-copy .eyebrow {
  color: #fff;
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.24);
}

.brand-depth-copy h2 {
  color: #fff;
}

.brand-depth-copy p {
  color: rgba(255, 255, 255, 0.84);
  font-size: 18px;
  font-weight: 700;
}

.brand-depth-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.brand-depth-grid article {
  min-height: 260px;
  padding: 24px;
  background: rgba(255, 255, 255, 0.13);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-top: 5px solid rgba(255, 255, 255, 0.56);
  border-radius: 8px;
  box-shadow: 0 18px 42px rgba(3, 29, 55, 0.16);
}

.brand-depth-grid span,
.brand-depth-grid strong {
  display: block;
}

.brand-depth-grid span {
  margin-bottom: 18px;
  color: rgba(255, 255, 255, 0.76);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.brand-depth-grid strong {
  color: #fff;
  font-size: 21px;
  line-height: 1.16;
}

.brand-depth-grid p {
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.82);
  font-weight: 650;
}

.section {
  padding: clamp(56px, 8vw, 96px) clamp(20px, 5vw, 72px);
}

main {
  padding-top: 103px;
}

main > section:not(.hero),
.offer-card,
.topic-panel {
  scroll-margin-top: 120px;
}

.hero {
  scroll-margin-top: 120px;
}

.workflow {
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.98), rgba(231, 241, 250, 0.76)),
    linear-gradient(135deg, rgba(7, 141, 152, 0.08), rgba(47, 189, 115, 0.08));
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.workflow-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.workflow-card {
  min-height: 260px;
  padding: 24px;
  background: rgba(255, 255, 255, 0.86);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-radius: 8px;
  box-shadow: 0 18px 44px rgba(7, 63, 120, 0.08);
}

.workflow-card span {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 22px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 8px;
  font-weight: 900;
}

.workflow-card h3 {
  font-size: 22px;
}

.workflow-card p {
  color: #40585d;
  font-weight: 650;
}

.role-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
  margin-top: 20px;
  padding: 18px;
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-left: 5px solid var(--teal);
  border-radius: 8px;
}

.role-strip strong {
  margin-right: 6px;
  color: var(--blue);
}

.role-strip span {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 7px 11px;
  color: #24454c;
  background: rgba(231, 241, 250, 0.78);
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 900;
}

.guidance {
  background:
    linear-gradient(180deg, #ffffff 0%, rgba(244, 251, 255, 0.9) 100%);
}

.guidance-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.guide-card {
  display: flex;
  flex-direction: column;
  min-height: 310px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-top: 5px solid var(--blue);
  border-radius: 8px;
  box-shadow: 0 18px 44px rgba(7, 63, 120, 0.08);
}

.guide-card:nth-child(2) {
  border-top-color: var(--teal);
}

.guide-card:nth-child(3) {
  border-top-color: #2fbd73;
}

.guide-card:nth-child(4) {
  border-top-color: var(--teal);
}

.guide-card:nth-child(5) {
  border-top-color: #2fbd73;
}

.guide-card h3 {
  font-size: 23px;
  line-height: 1.16;
}

.guide-card p {
  color: #40585d;
  font-weight: 600;
}

.guide-focus {
  margin-top: auto;
  padding: 15px;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.78), rgba(238, 249, 246, 0.88));
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
}

.guide-focus span,
.guide-focus strong {
  display: block;
}

.guide-focus span {
  margin-bottom: 5px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
}

.guide-focus strong {
  color: var(--blue);
  line-height: 1.25;
}

.check-list {
  display: grid;
  gap: 10px;
  margin: 18px 0 24px;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 25px;
  color: #314c52;
  font-weight: 800;
  line-height: 1.35;
}

.check-list li::before {
  content: "";
  position: absolute;
  top: 0.48em;
  left: 0;
  width: 10px;
  height: 10px;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 50%;
}

.ready-row {
  margin-top: auto;
  padding: 16px;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.78), rgba(238, 249, 246, 0.88));
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
}

.ready-row span,
.ready-row strong {
  display: block;
}

.ready-row span {
  margin-bottom: 5px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
}

.ready-row strong {
  color: var(--blue);
  line-height: 1.35;
}

.offers {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 24px;
}

.video-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.offer-card,
.video-card,
.contact-form,
.partner-card {
  padding: 26px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.offer-card {
  display: flex;
  flex-direction: column;
  min-height: 300px;
  border-top: 4px solid var(--blue);
  box-shadow: 0 14px 38px rgba(7, 63, 120, 0.07);
  transition: transform 160ms ease, box-shadow 160ms ease;
  scroll-margin-top: 176px;
}

.offers .offer-card {
  display: grid;
  grid-template-columns: 78px minmax(0, 1fr) minmax(260px, 0.42fr);
  gap: 26px;
  align-items: center;
  padding: 30px;
}

.offer-icon-col {
  align-self: stretch;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-top: 2px;
}

.offer-main {
  max-width: 760px;
}

.offer-main h3 {
  font-size: clamp(28px, 3vw, 38px);
}

.offer-main p:last-child {
  margin-bottom: 0;
  font-size: 18px;
  line-height: 1.55;
}

.offer-action {
  align-self: stretch;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 20px;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.72), rgba(238, 249, 246, 0.82));
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
}

.offer-card:nth-child(2) {
  border-top-color: var(--teal);
}

.offer-card:nth-child(3) {
  border-top-color: #2fbd73;
}

.offer-card:hover,
.video-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 22px 52px rgba(7, 63, 120, 0.13);
}

.icon {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  margin-bottom: 24px;
  color: #fff;
  background: var(--blue);
  border-radius: 8px;
  font-weight: 700;
}

.offer-card:nth-child(2) .icon {
  background: var(--teal);
}

.offer-card:nth-child(3) .icon {
  background: #2fbd73;
}

.offer-card p,
.video-card p,
.section-heading p,
.contact-copy p,
.legal-note p,
.form-note {
  color: #40585d;
}

.offer-card p,
.video-card p,
.section-heading p,
.contact-copy p {
  font-weight: 600;
}

.mini-points {
  display: grid;
  gap: 9px;
  margin: 0 0 24px;
  padding: 0;
  list-style: none;
}

.mini-points li {
  position: relative;
  padding-left: 24px;
  color: #40585d;
  font-weight: 700;
}

.mini-points li::before {
  content: "";
  position: absolute;
  top: 0.62em;
  left: 0;
  width: 9px;
  height: 9px;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 50%;
}

.offer-card a {
  display: inline-block;
  margin-top: 0;
  padding-top: 8px;
  color: var(--blue);
  font-weight: 700;
  text-decoration: none;
}

.offer-card a::after {
  content: " →";
  color: var(--teal);
}

.offer-card a.button::after {
  content: none;
}

.topic-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.96fr) minmax(340px, 0.64fr);
  gap: 16px;
  align-items: stretch;
  min-width: 0;
  min-height: 690px;
  padding: 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 6px solid var(--blue);
  border-radius: 8px;
  box-shadow: 0 18px 44px rgba(7, 63, 120, 0.08);
  scroll-margin-top: 176px;
}

.topic-panel:nth-of-type(2) {
  border-left-color: var(--green);
}

.topic-panel:nth-of-type(3) {
  border-left-color: var(--coral);
}

.topic-panel:nth-of-type(4) {
  border-left-color: var(--teal);
}

.topic-panel:nth-of-type(5) {
  border-left-color: #2fbd73;
}

.topic-panel-guide {
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.98), rgba(244, 251, 255, 0.94)),
    #fff;
}

.topic-panel-guide .icon {
  background: linear-gradient(135deg, var(--green), var(--green-dark));
}

.topic-panel-guide:nth-of-type(3) .icon {
  background: linear-gradient(135deg, var(--coral), #f59f67);
}

.topic-copy {
  grid-row: 1;
  align-self: center;
  min-width: 0;
}

.topic-media {
  grid-column: 2;
  grid-row: 1;
  align-self: start;
  aspect-ratio: 16 / 8;
  min-height: 190px;
  max-height: 240px;
  margin: 0;
  overflow: hidden;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.86), rgba(238, 249, 246, 0.92));
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-radius: 8px;
  box-shadow: 0 16px 34px rgba(7, 63, 120, 0.11);
}

.topic-copy h3 {
  margin-bottom: 10px;
  font-size: clamp(25px, 2.4vw, 32px);
}

.topic-copy p {
  color: #40585d;
  font-size: 16px;
  font-weight: 600;
  line-height: 1.5;
}

.topic-copy .button {
  margin-top: 10px;
}

.topic-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.01);
  transition: transform 180ms ease;
}

.topic-panel:hover .topic-media img {
  transform: scale(1.035);
}

.topic-aside {
  grid-column: 1 / -1;
  grid-row: 2;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  padding: 14px;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.78), rgba(238, 249, 246, 0.88));
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
}

.topic-panel-guide .topic-aside {
  grid-template-columns: minmax(260px, 1fr) minmax(210px, 0.46fr) minmax(240px, 0.68fr);
}

#kreditkarte .topic-aside {
  grid-template-columns: minmax(260px, 0.9fr) minmax(260px, 1fr);
}

.aside-block {
  padding: 14px;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
}

.aside-block h4 {
  margin: 0 0 10px;
  color: var(--blue);
  font-size: 17px;
}

.insight-grid,
.card-type-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.insight-grid span,
.card-type-list span {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px;
  min-width: 0;
  color: var(--blue);
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
  font-size: 13.5px;
  font-weight: 900;
  line-height: 1.15;
  text-align: center;
}

.card-type-list span {
  color: #7a3f22;
  border-color: rgba(220, 114, 55, 0.18);
}

.topic-panel-guide .affiliate-note {
  display: flex;
  flex-direction: column;
  flex-wrap: wrap;
  gap: 4px;
  align-items: flex-start;
  justify-content: center;
  margin: 0;
  align-self: center;
  min-height: 78px;
  padding: 10px 14px;
  background: rgba(255, 255, 255, 0.72);
  border-top: 0;
  border-left: 3px solid rgba(7, 141, 152, 0.28);
  border-radius: 8px;
  font-size: 14px;
  line-height: 1.28;
}

.topic-panel-guide .affiliate-note strong {
  color: var(--blue);
  font-size: 15px;
  font-weight: 900;
}

.topic-panel-guide .affiliate-note span {
  color: #40585d;
  font-weight: 800;
}

.topic-flow {
  grid-column: 1 / -1;
  grid-row: 3;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin-top: 0;
  padding-top: 18px;
  border-top: 1px solid rgba(7, 63, 120, 0.1);
}

.topic-flow div {
  position: relative;
  padding-left: 14px;
  border-left: 3px solid rgba(7, 141, 152, 0.28);
}

.topic-flow span,
.topic-flow strong {
  display: block;
}

.topic-flow span {
  margin-bottom: 6px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.topic-flow strong {
  margin-bottom: 5px;
  color: var(--blue);
  font-size: 16.5px;
}

.topic-flow p {
  margin: 0;
  color: #40585d;
  font-size: 14px;
  font-weight: 650;
  line-height: 1.45;
}

.compact-list {
  gap: 7px;
  margin: 0;
}

.compact-list li {
  font-size: 13.5px;
}

.affiliate-note {
  margin: auto 0 0;
  padding-top: 14px;
  color: #4f656a;
  border-top: 1px solid rgba(7, 63, 120, 0.12);
  font-size: 13px;
  font-weight: 800;
}

.offer-disclaimer {
  display: grid;
  grid-template-columns: minmax(180px, 0.32fr) minmax(0, 1fr);
  gap: 14px 22px;
  align-items: center;
  min-width: 0;
  padding: 20px 22px;
  color: #314c52;
  background: rgba(255, 255, 255, 0.86);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-left: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 14px 34px rgba(7, 63, 120, 0.07);
}

.offer-disclaimer strong {
  color: var(--blue);
  font-size: 18px;
}

.offer-disclaimer span {
  font-weight: 650;
  line-height: 1.5;
}

.decision-map {
  background:
    linear-gradient(135deg, rgba(231, 241, 250, 0.92), rgba(238, 249, 246, 0.96)),
    #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.decision-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.decision-item {
  position: relative;
  min-height: 190px;
  padding: 26px;
  color: inherit;
  text-decoration: none;
  background: rgba(255, 255, 255, 0.86);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-top: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 16px 38px rgba(7, 63, 120, 0.08);
  transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease;
}

.decision-item:first-child {
  border-top-color: var(--blue);
}

.decision-item:last-child {
  border-top-color: #2fbd73;
}

.decision-item::after {
  content: "→";
  position: absolute;
  right: 24px;
  bottom: 20px;
  color: var(--teal);
  font-size: 26px;
  font-weight: 900;
}

.decision-item:hover {
  transform: translateY(-3px);
  border-color: rgba(7, 141, 152, 0.28);
  box-shadow: 0 22px 48px rgba(7, 63, 120, 0.13);
}

.decision-item span,
.decision-item strong {
  display: block;
}

.decision-item span {
  max-width: 260px;
  color: #40585d;
  font-weight: 700;
}

.decision-item strong {
  max-width: 280px;
  margin-top: 16px;
  color: var(--blue);
  font-size: 22px;
  line-height: 1.18;
}

.partner-offers {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.partner-card p {
  color: #40585d;
  font-weight: 600;
}

.offer-workflow {
  background:
    linear-gradient(135deg, rgba(231, 241, 250, 0.9), rgba(238, 249, 246, 0.94)),
    #fff;
}

.handoff-banner {
  display: grid;
  grid-template-columns: minmax(260px, 0.58fr) minmax(0, 1fr);
  gap: clamp(22px, 4vw, 56px);
  align-items: center;
  padding: 30px;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-left: 6px solid var(--blue);
  border-radius: 8px;
  box-shadow: 0 18px 44px rgba(7, 63, 120, 0.08);
}

.handoff-banner h2 {
  margin-bottom: 0;
}

.handoff-banner p:last-child {
  margin-bottom: 0;
  color: #40585d;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.55;
}

.partner-card {
  display: flex;
  flex-direction: column;
  min-height: 370px;
  border-left: 5px solid var(--teal);
  box-shadow: 0 18px 44px rgba(7, 63, 120, 0.09);
  transition: transform 160ms ease, box-shadow 160ms ease;
}

.partner-card:nth-child(1) {
  border-left-color: var(--blue);
}

.partner-card:nth-child(3) {
  border-left-color: #2fbd73;
}

.partner-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 24px 56px rgba(7, 63, 120, 0.14);
}

.partner-card h3 {
  font-size: 24px;
}

.partner-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: auto 0 22px;
  padding-top: 18px;
}

.partner-meta span {
  display: inline-flex;
  min-height: 32px;
  align-items: center;
  padding: 7px 10px;
  color: var(--blue);
  background: rgba(231, 241, 250, 0.82);
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
  font-size: 13px;
  font-weight: 800;
}

.partner-disclaimer {
  margin: 22px 0 0;
  padding: 18px 20px;
  color: #40585d;
  background: rgba(255, 255, 255, 0.76);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-left: 5px solid var(--blue);
  border-radius: 8px;
  box-shadow: 0 12px 30px rgba(7, 63, 120, 0.06);
  font-size: 14px;
  font-weight: 700;
}

.offers {
  background:
    linear-gradient(180deg, #ffffff 0%, rgba(244, 251, 255, 0.9) 100%);
}

.partner-offers:has(.partner-card:nth-child(2):last-child) {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.deep-dive {
  background:
    linear-gradient(180deg, #ffffff 0%, rgba(244, 251, 255, 0.92) 100%),
    #fff;
}

.deep-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.deep-card {
  display: flex;
  flex-direction: column;
  min-height: 360px;
  padding: 28px;
  background: #fff;
  border: 1px solid var(--line);
  border-bottom: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 18px 44px rgba(7, 63, 120, 0.08);
}

.deep-card:nth-child(1) {
  border-bottom-color: var(--blue);
}

.deep-card:nth-child(3) {
  border-bottom-color: #2fbd73;
}

.deep-card p {
  color: #40585d;
  font-weight: 600;
}

.deep-note {
  margin-top: auto;
  padding: 16px;
  background: linear-gradient(135deg, rgba(231, 241, 250, 0.78), rgba(238, 249, 246, 0.88));
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-radius: 8px;
}

.deep-note strong,
.deep-note span {
  display: block;
}

.deep-note strong {
  margin-bottom: 5px;
  color: var(--blue);
}

.deep-note span {
  color: #314c52;
  font-weight: 700;
  line-height: 1.35;
}

.quality-check {
  display: grid;
  grid-template-columns: minmax(260px, 0.62fr) minmax(0, 1fr);
  gap: clamp(24px, 5vw, 64px);
  align-items: start;
  background:
    linear-gradient(135deg, rgba(7, 63, 120, 0.96), rgba(7, 141, 152, 0.92) 58%, rgba(13, 78, 66, 0.96)),
    url("assets/hero-pattern.svg");
  background-size: cover;
}

.quality-copy {
  position: sticky;
  top: 122px;
}

.quality-copy .eyebrow {
  color: #fff;
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.24);
}

.quality-copy h2,
.quality-list strong {
  color: #fff;
}

.quality-copy p {
  color: rgba(255, 255, 255, 0.84);
  font-size: 18px;
  font-weight: 700;
}

.quality-list {
  display: grid;
  gap: 14px;
}

.quality-list article {
  padding: 22px;
  background: rgba(255, 255, 255, 0.13);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-left: 5px solid rgba(255, 255, 255, 0.52);
  border-radius: 8px;
  box-shadow: 0 18px 42px rgba(3, 29, 55, 0.16);
}

.quality-list strong,
.quality-list span {
  display: block;
}

.quality-list strong {
  margin-bottom: 7px;
  font-size: 19px;
}

.quality-list span {
  color: rgba(255, 255, 255, 0.82);
  font-weight: 650;
}

.transparency {
  color: #fff;
  background:
    linear-gradient(135deg, rgba(7, 63, 120, 0.98), rgba(7, 141, 152, 0.94) 58%, rgba(13, 78, 66, 0.98)),
    url("assets/hero-pattern.svg");
  background-size: cover;
}

.transparency .section-heading {
  border-left-color: rgba(255, 255, 255, 0.58);
}

.transparency .eyebrow {
  color: #fff;
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.24);
}

.transparency h2,
.transparency h3 {
  color: #fff;
}

.transparency p {
  color: rgba(255, 255, 255, 0.86);
}

.transparency-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.transparency-card {
  padding: 28px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 8px;
  box-shadow: 0 22px 50px rgba(3, 29, 55, 0.18);
}

.transparency-card .card-kicker {
  color: rgba(255, 255, 255, 0.82);
}

.transparency-card p:last-child {
  margin-bottom: 0;
}

.handoff-steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.handoff-steps li {
  min-height: 150px;
  padding: 20px;
  background: rgba(255, 255, 255, 0.94);
  border: 1px solid rgba(255, 255, 255, 0.4);
  border-radius: 8px;
  box-shadow: 0 18px 42px rgba(3, 29, 55, 0.15);
}

.handoff-steps strong {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  margin-bottom: 16px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 8px;
}

.handoff-steps span {
  display: block;
  color: #24454c;
  font-weight: 800;
  line-height: 1.35;
}

.split-actions {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.split-actions .button {
  min-height: 46px;
  padding-inline: 14px;
  text-align: center;
}

.video-section,
.process,
.faq-section,
.legal-note {
  background:
    linear-gradient(135deg, rgba(231, 241, 250, 0.88), rgba(238, 249, 246, 0.92)),
    linear-gradient(90deg, rgba(7, 63, 120, 0.04), rgba(7, 141, 152, 0.05));
}

.section-heading {
  max-width: 760px;
  min-width: 0;
  margin-bottom: 28px;
  padding-left: 22px;
  border-left: 5px solid var(--teal);
}

.video-placeholder {
  position: relative;
  display: grid;
  place-items: center;
  aspect-ratio: 16 / 9;
  margin: -10px -10px 22px;
  color: #fff;
  background:
    linear-gradient(135deg, rgba(7, 63, 120, 0.94), rgba(7, 141, 152, 0.9), rgba(47, 189, 115, 0.82)),
    url("assets/video-pattern.svg");
  background-size: cover;
  border-radius: 8px;
  font-weight: 700;
}

.video-placeholder.is-live::after {
  content: "";
  position: absolute;
  width: 54px;
  height: 54px;
  background: rgba(255, 255, 255, 0.92);
  clip-path: polygon(34% 24%, 34% 76%, 76% 50%);
  transform: translateX(4px);
}

.video-placeholder.is-live {
  color: transparent;
}

.video-placeholder.is-soon {
  background:
    linear-gradient(135deg, rgba(7, 63, 120, 0.82), rgba(7, 141, 152, 0.74)),
    url("assets/video-pattern.svg");
  color: rgba(255, 255, 255, 0.9);
}

.video-link {
  display: block;
  text-decoration: none;
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: steps;
}

.steps li {
  position: relative;
  min-height: 180px;
  padding: 62px 22px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  counter-increment: steps;
}

.steps li::before {
  content: counter(steps);
  position: absolute;
  top: 20px;
  left: 22px;
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 50%;
  font-size: 14px;
  font-weight: 700;
}

.steps strong,
.steps span {
  display: block;
}

.steps span {
  margin-top: 8px;
  color: var(--muted);
}

.faq-list {
  display: grid;
  gap: 12px;
  max-width: 980px;
}

.faq-list details {
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid var(--line);
  border-left: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 12px 30px rgba(7, 63, 120, 0.06);
  overflow: hidden;
}

.faq-list details:nth-child(2n) {
  border-left-color: var(--blue);
}

.faq-list summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  min-height: 62px;
  padding: 18px 22px;
  color: var(--blue);
  cursor: pointer;
  font-size: 18px;
  font-weight: 900;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary::after {
  content: "+";
  display: grid;
  place-items: center;
  flex: 0 0 auto;
  width: 28px;
  height: 28px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border-radius: 8px;
  font-size: 20px;
  line-height: 1;
}

.faq-list details[open] summary::after {
  content: "−";
}

.faq-list p {
  margin: 0;
  padding: 0 22px 20px;
  color: #40585d;
  font-weight: 600;
}

.contact {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(320px, 1.05fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: start;
  background:
    linear-gradient(105deg, #ffffff 0%, rgba(231, 241, 250, 0.78) 48%, rgba(217, 239, 232, 0.78) 100%);
}

.contact-copy {
  max-width: 680px;
  padding: 28px;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-left: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 16px 40px rgba(7, 63, 120, 0.08);
}

.contact-copy h2 {
  margin-bottom: 14px;
}

.contact-copy p {
  font-size: 18px;
}

.contact-form {
  display: grid;
  gap: 16px;
  box-shadow: var(--shadow);
}

.contact-form label {
  display: grid;
  gap: 7px;
  color: var(--ink);
  font-weight: 700;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 13px 14px;
  color: var(--ink);
  font: inherit;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.contact-form textarea {
  resize: vertical;
}

.form-buttons {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: 10px;
}

.form-buttons .button.secondary {
  min-height: 50px;
}

.form-note {
  margin: 0;
  font-size: 13px;
}

.form-help {
  margin: -8px 0 0;
  padding: 12px 14px;
  color: #40585d;
  background: rgba(231, 241, 250, 0.72);
  border: 1px solid rgba(7, 63, 120, 0.1);
  border-left: 4px solid var(--teal);
  border-radius: 8px;
  font-size: 13px;
  font-weight: 800;
  line-height: 1.4;
}

.form-status {
  min-height: 20px;
  margin: -4px 0 0;
  color: var(--blue);
  font-size: 13px;
  font-weight: 800;
}

.legal-note {
  border-top: 1px solid var(--line);
}

.legal-note h2 {
  font-size: 24px;
}

.legal-note p {
  max-width: 980px;
  margin-bottom: 0;
}

.site-footer {
  display: grid;
  grid-template-columns: minmax(240px, 1.1fr) repeat(3, minmax(150px, 0.6fr));
  gap: 28px;
  padding: 42px clamp(20px, 5vw, 72px) 28px;
  color: #40585d;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.98), rgba(231, 241, 250, 0.82)),
    #fff;
  border-top: 1px solid var(--line);
}

.footer-brand strong {
  display: block;
  color: var(--blue);
  font-size: 30px;
  line-height: 1;
}

.footer-brand strong span {
  color: var(--teal);
}

.footer-brand p {
  max-width: 420px;
  margin: 12px 0 0;
  font-weight: 700;
}

.footer-column {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 9px;
}

.footer-column strong {
  margin-bottom: 5px;
  color: var(--blue);
  font-size: 15px;
}

.footer-column a,
.footer-column .legal-link {
  display: inline-flex;
  align-items: center;
  min-height: 22px;
  line-height: 1.35;
  text-align: left;
  color: #40585d;
  font-weight: 750;
}

.footer-column[aria-label="Rechtliches"] .legal-link {
  display: block;
  width: 100%;
}

.footer-column a:hover,
.footer-column .legal-link:hover {
  color: var(--teal);
}

.footer-note {
  grid-column: 1 / -1;
  margin: 8px 0 0;
  padding-top: 18px;
  color: #536970;
  border-top: 1px solid rgba(7, 63, 120, 0.12);
  font-size: 13px;
  font-weight: 750;
}

.legal-link {
  padding: 0;
  color: inherit;
  background: none;
  border: 0;
  font: inherit;
  cursor: pointer;
}

.back-to-top {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 20;
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  border: 1px solid rgba(255, 255, 255, 0.36);
  border-radius: 50%;
  box-shadow: 0 18px 34px rgba(7, 63, 120, 0.24);
  cursor: pointer;
  font-size: 22px;
  font-weight: 900;
}

.back-to-top[hidden] {
  display: none;
}

body.legal-page {
  min-height: 100vh;
  padding: clamp(24px, 5vw, 64px);
  background:
    linear-gradient(135deg, rgba(231, 241, 250, 0.94), rgba(238, 249, 246, 0.96)),
    #f6fbfd;
}

.legal-page-main {
  width: min(980px, 100%);
  margin: 0 auto;
  padding-top: 0;
}

.legal-page-back {
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  margin-bottom: 18px;
  padding: 0 16px;
  color: var(--blue);
  text-decoration: none;
  background: #fff;
  border: 1px solid rgba(7, 63, 120, 0.14);
  border-radius: 999px;
  box-shadow: 0 12px 28px rgba(7, 63, 120, 0.08);
  font-weight: 850;
}

.legal-page-card {
  padding: clamp(28px, 5vw, 58px);
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid rgba(7, 63, 120, 0.12);
  border-radius: 8px;
  box-shadow: 0 24px 70px rgba(7, 63, 120, 0.12);
}

.legal-page-card h1 {
  max-width: 820px;
  margin-bottom: 10px;
  font-size: clamp(38px, 5vw, 58px);
}

.legal-page-card section {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid rgba(7, 63, 120, 0.1);
}

.legal-page-card h2 {
  margin-bottom: 12px;
  color: var(--blue);
  font-size: clamp(22px, 2.4vw, 28px);
}

.legal-page-card p,
.legal-page-card li {
  color: #40585d;
  font-size: 17px;
  font-weight: 600;
  line-height: 1.65;
}

.legal-page-card a {
  color: var(--blue);
  font-weight: 850;
}

.legal-page-card ul {
  margin: 0;
  padding-left: 22px;
}

.legal-overlay[hidden] {
  display: none;
}

.legal-overlay {
  position: fixed;
  inset: 0;
  z-index: 50;
  display: grid;
  justify-items: end;
}

.legal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(3, 29, 55, 0.48);
  border: 0;
  cursor: pointer;
}

.legal-drawer {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-rows: auto auto minmax(0, 1fr);
  width: min(720px, 100vw);
  height: 100%;
  padding: 28px;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.98), rgba(244, 251, 255, 0.98)),
    #fff;
  border-left: 1px solid rgba(7, 63, 120, 0.14);
  box-shadow: -28px 0 70px rgba(3, 29, 55, 0.26);
  animation: legalSlideIn 180ms ease-out;
  overflow: hidden;
}

.legal-drawer-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--line);
}

.legal-drawer-header h2 {
  margin-bottom: 0;
}

.legal-close {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  color: var(--blue);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  cursor: pointer;
  font-size: 28px;
  line-height: 1;
}

.legal-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 18px 0 12px;
}

.legal-tabs button {
  min-height: 40px;
  padding: 9px 14px;
  color: var(--blue);
  background: #fff;
  border: 1px solid rgba(7, 63, 120, 0.14);
  border-radius: 8px;
  cursor: pointer;
  font-weight: 800;
}

.legal-tabs button.active {
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
}

.legal-content {
  min-height: 0;
  max-height: calc(100vh - 178px);
  overflow-y: auto;
  overscroll-behavior: contain;
  padding: 8px 10px 8px 0;
  scrollbar-color: var(--teal) #e7f1fa;
  scrollbar-width: thin;
}

.legal-content::-webkit-scrollbar {
  width: 10px;
}

.legal-content::-webkit-scrollbar-track {
  background: #e7f1fa;
  border-radius: 999px;
}

.legal-content::-webkit-scrollbar-thumb {
  background: linear-gradient(180deg, var(--blue), var(--teal));
  border-radius: 999px;
}

.legal-content[hidden] {
  display: none;
}

.legal-updated {
  margin: 2px 0 12px;
  color: #536970;
  font-size: 13px;
  font-weight: 800;
}

.legal-content section {
  padding: 20px 22px;
  margin-bottom: 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 5px solid var(--teal);
  border-radius: 8px;
  box-shadow: 0 10px 26px rgba(7, 63, 120, 0.06);
}

.legal-content h3 {
  margin-bottom: 10px;
  font-size: 19px;
}

.legal-content p,
.legal-content li {
  color: #40585d;
  font-weight: 600;
}

.legal-content p:last-child,
.legal-content ul:last-child {
  margin-bottom: 0;
}

.legal-content ul {
  padding-left: 22px;
}

@keyframes legalSlideIn {
  from {
    transform: translateX(24px);
    opacity: 0;
  }
  to {
    transform: translateX(0);
    opacity: 1;
  }
}

@media (max-width: 1180px) {
  .site-header {
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: center;
    gap: 12px;
  }

  .brand {
    min-width: 0;
  }

  .header-action {
    display: none;
  }

  .menu-toggle {
    position: relative;
    z-index: 12;
    display: inline-grid;
    justify-self: end;
    place-items: center;
    align-content: center;
    gap: 5px;
    width: 46px;
    height: 46px;
    padding: 0;
    background: #fff;
    border: 1px solid rgba(7, 63, 120, 0.14);
    border-radius: 8px;
    box-shadow: 0 12px 26px rgba(7, 63, 120, 0.1);
    cursor: pointer;
  }

  .menu-toggle span:not(.sr-only) {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--blue);
    border-radius: 999px;
    transition: transform 160ms ease, opacity 160ms ease;
  }

  .menu-toggle[aria-expanded="true"] span:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
  }

  .menu-toggle[aria-expanded="true"] span:nth-child(2) {
    opacity: 0;
  }

  .menu-toggle[aria-expanded="true"] span:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
  }

  .nav {
    position: absolute;
    top: calc(100% + 10px);
    right: clamp(20px, 5vw, 72px);
    display: grid;
    width: min(320px, calc(100vw - 40px));
    justify-content: stretch;
    gap: 8px;
    padding: 12px;
    background: rgba(255, 255, 255, 0.98);
    border-radius: 12px;
    box-shadow: 0 24px 60px rgba(3, 29, 55, 0.2);
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);
    transition: opacity 160ms ease, transform 160ms ease;
  }

  .nav.is-open {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .nav a {
    width: 100%;
    min-height: 46px;
    justify-content: flex-start;
    padding-inline: 16px;
    border-radius: 8px;
  }

  .nav a::after {
    display: none;
  }

  main > section:not(.hero),
  .hero,
  .offer-card,
  .topic-panel {
    scroll-margin-top: 120px;
  }
}

@media (max-width: 980px) {
  .hero,
  .quickstart-inner,
  .compass,
  .compass-tool,
  .brand-depth,
  .quality-check,
  .contact {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
    padding-top: 64px;
  }

  .offers,
  .video-grid,
  .brand-depth-grid,
  .partner-offers,
  .steps,
  .workflow-grid,
  .quickstart-actions,
  .guidance-grid,
  .deep-grid,
  .decision-grid,
  .handoff-steps,
  .hero-proof {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .transparency-grid {
    grid-template-columns: 1fr;
  }

  .offers,
  .offers .offer-card {
    grid-template-columns: 1fr;
  }

  .topic-panel {
    grid-template-columns: 1fr;
    min-height: 0;
  }

  .topic-panel,
  .topic-copy,
  .topic-media,
  .topic-aside,
  .topic-flow {
    grid-column: auto;
    grid-row: auto;
    min-width: 0;
    max-width: 100%;
  }

  .topic-aside,
  .topic-panel-guide .topic-aside,
  #kreditkarte .topic-aside {
    grid-column: auto;
    grid-row: auto;
    grid-template-columns: 1fr;
  }

  .topic-panel-guide .topic-flow {
    grid-row: auto;
  }

  .offer-disclaimer {
    grid-template-columns: 1fr;
  }

  .handoff-banner {
    grid-template-columns: 1fr;
  }

  .quality-copy {
    position: static;
  }

  .compass-copy {
    position: static;
  }

  .site-footer {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .offers .offer-card {
    align-items: start;
  }

  .offer-icon-col {
    justify-content: flex-start;
  }
}

@media (max-width: 640px) {
  body.legal-page {
    padding: 16px;
  }

  .legal-page-card {
    padding: 24px 18px;
  }

  .site-header {
    padding: 14px 16px 12px;
  }

  .brand {
    min-width: 0;
    width: calc(100vw - 104px);
    max-width: calc(100vw - 104px);
    gap: 9px;
  }

  .brand-mark {
    width: 50px;
    height: 50px;
  }

  .brand-logo {
    width: 46px;
    height: 46px;
  }

  .brand-copy {
    flex: 1 1 auto;
    min-width: 0;
    overflow: hidden;
  }

  .brand-copy strong {
    overflow: hidden;
    font-size: clamp(22px, 6.6vw, 29px);
    white-space: nowrap;
  }

  .brand small {
    display: none;
  }

  .nav {
    right: 16px;
    width: calc(100vw - 32px);
  }

  main {
    padding-top: 94px;
  }

  main > section:not(.hero),
  .hero,
  .offer-card,
  .topic-panel {
    scroll-margin-top: 94px;
  }

  .nav a {
    min-height: 46px;
    white-space: nowrap;
    font-size: 15px;
  }

  .quickstart {
    padding: 18px 16px;
  }

  .quickstart-actions {
    gap: 10px;
  }

  .quickstart-actions a {
    grid-template-columns: auto minmax(0, 1fr);
    min-height: 62px;
    padding: 12px;
  }

  .quickstart-actions span {
    width: 36px;
    height: 36px;
  }

  .hero {
    padding: 40px 16px 52px;
  }

  h1 {
    font-size: clamp(34px, 10vw, 39px);
    line-height: 1.02;
  }

  .lead {
    font-size: 18px;
  }

  .hero .button,
  .button,
  .contact-form button {
    width: 100%;
    min-height: 50px;
  }

  .hero-actions,
  .contact-actions {
    gap: 10px;
  }

  .contact-direct {
    grid-template-columns: 1fr;
  }

  .contact-direct strong,
  .contact-direct button {
    grid-column: auto;
    grid-row: auto;
  }

  .contact-direct button {
    width: 100%;
  }

  .hero-note {
    font-size: 15px;
  }

  .trust-panel,
  .offer-card,
  .video-card,
  .compass-result,
  .brand-depth-grid article,
  .guide-card,
  .deep-card,
  .transparency-card,
  .partner-card,
  .contact-copy,
  .contact-form {
    padding: 22px;
  }

  .section {
    padding: 48px 16px;
  }

  .section-heading {
    padding-left: 16px;
  }

  .compass-options button {
    min-height: 74px;
  }

  .compass-result {
    min-height: 0;
  }

  .partner-disclaimer {
    font-size: 13px;
  }

  .offers,
  .video-grid,
  .brand-depth-grid,
  .partner-offers,
  .steps,
  .quickstart-actions,
  .workflow-grid,
  .guidance-grid,
  .deep-grid,
  .decision-grid,
  .topic-flow,
  .transparency-grid,
  .handoff-steps,
  .hero-proof {
    grid-template-columns: minmax(0, 1fr);
  }

  .offers .offer-card {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .topic-panel {
    padding: 22px;
    gap: 16px;
  }

  .topic-copy p {
    font-size: 16px;
  }

  .topic-copy h3 {
    font-size: 26px;
  }

  .topic-aside {
    padding: 18px;
  }

  .topic-media {
    aspect-ratio: 16 / 10;
  }

  .topic-flow {
    gap: 14px;
    padding-top: 18px;
  }

  .topic-flow div {
    padding-left: 14px;
  }

  .role-strip {
    align-items: stretch;
  }

  .role-strip strong,
  .role-strip span {
    width: 100%;
  }

  .decision-item {
    min-height: 0;
    padding: 22px 54px 22px 22px;
  }

  .decision-item strong {
    font-size: 20px;
  }

  .topic-aside .check-list {
    gap: 8px;
    margin-bottom: 14px;
  }

  .offer-action {
    padding: 18px;
  }

  .guide-card,
  .deep-card,
  .handoff-steps li {
    min-height: 0;
  }

  .form-buttons {
    grid-template-columns: 1fr;
  }

  .faq-list summary {
    align-items: flex-start;
    min-height: 0;
    padding: 17px 18px;
    font-size: 16px;
  }

  .faq-list p {
    padding: 0 18px 18px;
  }

  .site-footer {
    grid-template-columns: minmax(0, 1fr);
    gap: 22px;
  }

  .footer-note {
    margin-top: 0;
  }

  .back-to-top {
    right: 14px;
    bottom: 14px;
    width: 42px;
    height: 42px;
  }

  .legal-drawer {
    width: 100vw;
    padding: 20px 16px;
  }

  .legal-drawer-header {
    gap: 12px;
    padding-bottom: 14px;
  }

  .legal-tabs {
    margin: 14px 0 10px;
  }

  .legal-tabs button {
    flex: 1 1 auto;
  }

  .legal-content {
    max-height: calc(100vh - 150px);
    padding-right: 4px;
  }

  .legal-content section {
    padding: 17px 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}