/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary: #7e0101;
  --primary-dark: #5c0101;
  --primary-light: #fdf0f0;
  --accent: #c49a00;
  --text: #1a0a0a;
  --text-muted: #6b7280;
  --bg: #ffffff;
  --bg-gray: #fdf8f8;
  --bg-dark: #1a0505;
  --border: #ead9d9;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(126,1,1,.08);
  --shadow-lg: 0 12px 40px rgba(126,1,1,.16);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
}

a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img { max-width: 100%; }

/* ===== CONTAINER ===== */
.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  border-radius: 8px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all .2s;
  white-space: nowrap;
  text-decoration: none;
}
.btn-sm  { padding: 8px 18px; font-size: 14px; }
.btn-lg  { padding: 14px 32px; font-size: 17px; }
.btn-block { width: 100%; margin-top: 8px; padding: 14px; font-size: 16px; }

.btn-primary {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}
.btn-primary:hover { background: var(--primary-dark); border-color: var(--primary-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(126,1,1,.40); }

.btn-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.6);
}
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: #fff; }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .2s;
  overflow: visible;
}
.navbar.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,.1); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  text-decoration: none;
}
.logo-img {
  height: 48px;
  width: auto;
  object-fit: contain;
  display: block;
  flex-shrink: 0;
}
.logo-text {
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  line-height: 1.3;
  letter-spacing: -.01em;
}
.logo-text strong {
  display: block;
  font-size: 15px;
  font-weight: 800;
  color: var(--primary);
}
/* Logo-Text auf kleinen Screens verstecken wenn Platz knapp */
@media (max-width: 400px) {
  .logo-text { display: none; }
}
.logo-img-footer {
  height: 52px;
  filter: brightness(0) invert(1);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
}
.nav-links a {
  font-size: 15px;
  font-weight: 500;
  color: var(--text-muted);
  transition: color .15s;
}
.nav-links a:hover { color: var(--primary); }
/* "Jetzt anfragen" Button in Navbar – immer weiße Schrift */
.nav-links .btn-primary,
.nav-links .btn-primary:hover { color: #fff !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-right: -8px;
  z-index: 101;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: #1a0a0a;
  border-radius: 2px;
  transition: all .25s;
}

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #1a0505 0%, #4a0101 55%, #7e0101 100%);
  z-index: 0;
}
.hero-bg::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0; right: 0;
  height: 80px;
  background: var(--bg);
  clip-path: ellipse(60% 100% at 50% 100%);
}

/* ── Split Hero mit Lead-Formular ── */
.hero-split {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 480px;
  gap: 56px;
  align-items: center;
}

/* Linke Spalte */
.hero-left { color: #fff; }
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.3);
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .05em;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.hero h1 {
  font-size: clamp(1.75rem, 3.5vw, 2.8rem);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 20px;
  color: #fff;
}
.hero-accent { color: #ffb3b3; }
.hero-sub {
  font-size: 17px;
  color: rgba(255,255,255,.8);
  margin-bottom: 28px;
  line-height: 1.65;
}
.hero-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 40px;
}
.hero-trust-chip {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.22);
  color: rgba(255,255,255,.9);
  font-size: 13px;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 100px;
}
.hero-stats {
  display: flex;
  gap: 36px;
  flex-wrap: wrap;
}
.stat-num {
  display: block;
  font-size: 26px;
  font-weight: 800;
  color: #fff;
}
.stat-label {
  font-size: 12px;
  color: rgba(255,255,255,.6);
  font-weight: 500;
}

/* ── Hero Lead-Formular (rechte Spalte) ── */
.hero-form-card {
  background: #fff;
  border-radius: 20px;
  padding: 36px 32px;
  box-shadow: 0 24px 64px rgba(0,0,0,.22);
  min-width: 0;
}
.hero-form-header { margin-bottom: 24px; }
.hero-form-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 6px;
}
.hero-form-title {
  font-size: 22px;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -.02em;
}

/* Kreditart-Auswahl */
.hlf-question {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 14px;
}
.hlf-type-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.hlf-type-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 16px 10px;
  background: var(--bg-gray);
  border: 2px solid var(--border);
  border-radius: 12px;
  cursor: pointer;
  font-family: inherit;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  text-align: center;
  transition: all .2s;
  line-height: 1.3;
}
.hlf-type-btn:hover,
.hlf-type-btn.selected {
  border-color: var(--primary);
  background: var(--primary-light);
  color: var(--primary);
}
.hlf-type-icon { display: flex; align-items: center; justify-content: center; width: 22px; height: 22px; }
.hlf-type-icon svg { width: 20px; height: 20px; stroke: currentColor; }

/* Schritt 2 */
.hlf-back {
  background: none;
  border: none;
  font-family: inherit;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  padding: 0;
  margin-bottom: 14px;
  display: block;
}
.hlf-back:hover { color: var(--primary); }
.hlf-selected-type {
  font-size: 13px;
  font-weight: 700;
  color: var(--primary);
  background: var(--primary-light);
  border-radius: 6px;
  padding: 6px 12px;
  margin-bottom: 18px;
  display: inline-block;
}
.hlf-field { margin-bottom: 14px; }
.hlf-field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 6px;
}
.hlf-field input {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: inherit;
  font-size: 14px;
  color: var(--text);
  background: #fff;
  transition: border-color .15s;
}
.hlf-field input:focus {
  outline: none;
  border-color: var(--primary);
}
.hlf-amount-row {
  display: flex;
  align-items: center;
  gap: 14px;
}
.hlf-amount-row input[type="range"] { flex: 1; accent-color: var(--primary); }
.hlf-amount-display {
  font-size: 15px;
  font-weight: 700;
  color: var(--primary);
  white-space: nowrap;
  min-width: 90px;
  text-align: right;
}
.hlf-privacy {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin-bottom: 16px;
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.5;
}
.hlf-privacy a { color: var(--primary); text-decoration: underline; }
.hlf-submit { font-size: 15px; }
.hlf-disclaimer {
  text-align: center;
  font-size: 11px;
  color: var(--text-muted);
  margin-top: 10px;
}

/* Bestätigung */
.hlf-success {
  text-align: center;
  padding: 20px 0;
}
.hlf-success-icon { font-size: 48px; margin-bottom: 16px; }
.hlf-success h3 {
  font-size: 22px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 10px;
}
.hlf-success p { color: var(--text-muted); font-size: 15px; line-height: 1.6; margin-bottom: 12px; }
.hlf-success-contact { font-size: 16px !important; }
.hlf-success-contact a { color: var(--primary); }

/* ── Responsive Hero ── */
@media (max-width: 1000px) {
  .hero-split {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero { padding: 100px 0 60px; min-height: auto; }
  .hero-form-card { max-width: 100%; }
}
@media (max-width: 560px) {
  .hero-form-card { padding: 24px 20px; }
  .hlf-type-grid { grid-template-columns: 1fr 1fr; }
}

/* ===== TRUST BAR ===== */
.trust-bar {
  background: var(--primary-light);
  border-bottom: 1px solid #e8c0c0;
  padding: 16px 0;
}
.trust-inner {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--primary-dark);
}
.trust-icon { display: inline-flex; align-items: center; }
.trust-icon svg { stroke: var(--primary); }

/* ===== SECTIONS ===== */
.section { padding: 96px 0; }
.section-gray { background: var(--bg-gray); }
.section-dark { background: var(--bg-dark); color: #fff; }

.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.section-header h2 {
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 800;
  margin-bottom: 12px;
}
.section-header p {
  font-size: 17px;
  color: var(--text-muted);
  max-width: 520px;
  margin: 0 auto;
}
.section-dark .section-header p { color: rgba(255,255,255,.6); }

/* ===== CARDS ===== */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  position: relative;
  transition: transform .2s, box-shadow .2s;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.card-featured {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(126,1,1,.15);
}
.card-badge {
  position: absolute;
  top: -12px; right: 20px;
  background: var(--accent);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: 100px;
  letter-spacing: .04em;
}
.card-icon { display: flex; align-items: center; justify-content: center; width: 52px; height: 52px; background: var(--primary-light); border-radius: 12px; margin-bottom: 16px; }
.card-icon svg { width: 28px; height: 28px; stroke: var(--primary); }
.card h3 { font-size: 20px; font-weight: 700; }
.card p { color: var(--text-muted); font-size: 15px; flex: 1; }

.feature-list { display: flex; flex-direction: column; gap: 8px; }
.feature-list li {
  font-size: 14px;
  color: var(--text-muted);
  padding-left: 20px;
  position: relative;
}
.feature-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--primary);
  font-weight: 700;
}

/* ===== USP GRID ===== */
.usp-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.usp-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: transform .2s, box-shadow .2s;
}
.usp-item:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.usp-icon { display: flex; align-items: center; justify-content: center; width: 56px; height: 56px; background: var(--primary-light); border-radius: 50%; margin: 0 auto 16px; }
.usp-icon svg { width: 26px; height: 26px; stroke: var(--primary); }
.usp-item h4 { font-size: 17px; font-weight: 700; margin-bottom: 10px; }
.usp-item p { font-size: 14px; color: var(--text-muted); line-height: 1.65; }

@media (max-width: 900px) { .usp-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .usp-grid { grid-template-columns: 1fr; } }

/* ===== FOOTER ADDRESS ===== */
.footer-address {
  font-size: 13px;
  margin-top: 10px;
  line-height: 1.8;
  opacity: .7;
}
.footer-address a { color: inherit; }
.footer-address a:hover { opacity: 1; color: #fff; }

/* ===== CALCULATOR ===== */
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}
.calc-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 32px;
  background: var(--bg-gray);
  padding: 4px;
  border-radius: 8px;
}
.calc-tab {
  flex: 1;
  background: none;
  border: none;
  padding: 8px 16px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  color: var(--text-muted);
  transition: all .2s;
}
.calc-tab.active { background: #fff; color: var(--primary); box-shadow: 0 1px 4px rgba(0,0,0,.1); }

.form-group { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.form-group label { font-size: 14px; font-weight: 600; color: var(--text); }

.input-with-unit input[type="range"] {
  width: 100%;
  accent-color: var(--primary);
  margin-bottom: 8px;
}
.input-display {
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 14px;
  background: var(--bg-gray);
}
.input-display input {
  border: none;
  background: none;
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
  width: 100%;
  outline: none;
}
.input-display .unit { font-size: 14px; color: var(--text-muted); font-weight: 500; white-space: nowrap; }

.calculator-results {
  background: linear-gradient(135deg, #7e0101 0%, #4a0101 100%);
  border-radius: var(--radius);
  padding: 36px 32px;
  color: #fff;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.result-main { text-align: center; }
.result-label { font-size: 14px; opacity: .8; margin-bottom: 8px; }
.result-value { font-size: 48px; font-weight: 800; letter-spacing: -.02em; }
.result-details { display: flex; flex-direction: column; gap: 12px; }
.result-row {
  display: flex;
  justify-content: space-between;
  font-size: 15px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(255,255,255,.15);
}
.result-row span:last-child { font-weight: 600; }
.result-row-total { border-bottom: none; font-weight: 700; font-size: 16px; }
.result-disclaimer { font-size: 11px; opacity: .6; }

/* ===== WIDGET ===== */
.widget-wrapper {
  max-width: 760px;
  margin: 0 auto;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}

/* ===== STEPS ===== */
.steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}
.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  flex: 1;
  min-width: 160px;
  max-width: 200px;
  box-shadow: var(--shadow);
}
.step-num {
  width: 44px; height: 44px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
  margin: 0 auto 16px;
}
.step h4 { font-size: 15px; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 13px; color: var(--text-muted); }
.step-arrow { font-size: 24px; color: var(--border); font-weight: 300; }

/* ===== FAQ ===== */
.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  background: #fff;
}
.faq-item summary {
  padding: 20px 24px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  list-style: none;
  transition: background .15s;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 22px;
  color: var(--primary);
  transition: transform .2s;
  flex-shrink: 0;
}
.faq-item[open] summary { background: var(--primary-light); }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-body {
  padding: 0 24px 20px;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}
.faq-body strong { color: var(--text); }

/* ===== CONTACT ===== */
.contact-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 64px;
  align-items: start;
}
.contact-info h2 { font-size: 2rem; font-weight: 800; margin-bottom: 16px; color: #fff; }
.contact-info p { color: rgba(255,255,255,.7); font-size: 16px; margin-bottom: 36px; }
.contact-details { display: flex; flex-direction: column; gap: 24px; }
.contact-item { display: flex; align-items: flex-start; gap: 16px; }
.contact-icon { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; background: var(--primary-light); border-radius: 8px; flex-shrink: 0; }
.contact-icon svg { width: 18px; height: 18px; stroke: var(--primary); }
.contact-item div { display: flex; flex-direction: column; gap: 4px; }
.contact-item strong { font-size: 13px; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .08em; }
.contact-item a, .contact-item span { color: #fff; font-size: 16px; font-weight: 500; }

.contact-form {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-items: start; }
.form-row .form-group { margin-bottom: 0; }
.contact-form .form-group { margin-bottom: 0; }
.contact-form label { font-size: 13px; font-weight: 600; color: var(--text-muted); margin-bottom: 6px; }
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 11px 14px;
  font-size: 15px;
  font-family: inherit;
  color: var(--text);
  background: var(--bg-gray);
  outline: none;
  transition: border-color .2s, box-shadow .2s;
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(126,1,1,.12);
  background: #fff;
}
.contact-form textarea { resize: vertical; }
.form-check { flex-direction: row !important; align-items: flex-start; gap: 12px; }
.form-check input { width: auto; margin-top: 3px; flex-shrink: 0; }
.form-check label { font-size: 13px; color: var(--text-muted); }
.link { color: var(--primary); text-decoration: underline; }
.contact-form > .form-group + .form-group { margin-top: 16px; }
.form-row .form-group { margin-top: 0 !important; }
.form-success {
  margin-top: 16px;
  background: #d1fae5;
  color: #065f46;
  padding: 14px 18px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 600;
}

/* ===== FOOTER ===== */
.footer { background: #130202; color: rgba(255,255,255,.65); }
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding: 64px 24px 48px;
}
.footer-brand .logo { color: #fff; margin-bottom: 12px; }
.footer-brand p { font-size: 14px; max-width: 260px; }
.footer-links h4 { font-size: 14px; font-weight: 700; color: #fff; margin-bottom: 16px; text-transform: uppercase; letter-spacing: .06em; }
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 14px; transition: color .15s; }
.footer-links a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 20px 24px;
  text-align: center;
}
.footer-bottom p { font-size: 13px; }
.footer-legal { margin-top: 6px; font-size: 12px; opacity: .5; }

/* ===== HERO BACKGROUND IMAGE ===== */
.hero-img {
  position: absolute; inset: 0;
  background: url('hero-frankfurt.jpg') center top/cover no-repeat;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(26,5,5,.88) 0%, rgba(74,1,1,.75) 50%, rgba(126,1,1,.60) 100%);
}

/* ===== PAGE HERO (Unterseiten) ===== */
.page-hero {
  position: relative;
  padding: 140px 0 80px;
  color: #fff;
  overflow: hidden;
}
.page-hero-bg {
  position: absolute; inset: 0;
  background: url('https://images.unsplash.com/photo-1467269204594-9661b134dd2b?auto=format&fit=crop&w=1920&q=80') center/cover no-repeat;
}
.page-hero-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(26,5,5,.92) 0%, rgba(126,1,1,.80) 100%);
}
.page-hero-content {
  position: relative; z-index: 1;
  max-width: 760px;
}
.page-hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  color: #fff;
  margin: 16px 0 16px;
}
.page-hero p { color: rgba(255,255,255,.8); font-size: 17px; }

/* ===== COOKIE BANNER ===== */
.cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: #1a0505;
  border-top: 2px solid var(--primary);
  z-index: 9999;
  padding: 20px 24px;
  transform: translateY(100%);
  transition: transform .4s ease;
}
.cookie-banner.visible { transform: translateY(0); }
.cookie-content {
  max-width: 1140px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.cookie-text { flex: 1; min-width: 260px; }
.cookie-text strong { color: #fff; font-size: 15px; display: block; margin-bottom: 6px; }
.cookie-text p { color: rgba(255,255,255,.65); font-size: 13px; line-height: 1.5; }
.cookie-text a { color: var(--accent); text-decoration: underline; }
.cookie-actions { display: flex; gap: 12px; flex-shrink: 0; flex-wrap: wrap; }
.btn-outline-dark {
  background: transparent;
  color: rgba(255,255,255,.7);
  border: 1px solid rgba(255,255,255,.3);
  padding: 10px 20px;
  font-size: 14px;
  font-weight: 600;
  border-radius: 8px;
  cursor: pointer;
  transition: all .2s;
}
.btn-outline-dark:hover { color: #fff; border-color: #fff; }

/* ===== PARTNERBANKEN ===== */
.partners-section { padding: 64px 0; }
.partners-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
}
.partner-logo {
  background: var(--bg-gray);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 18px 12px;
  text-align: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--text-muted);
  letter-spacing: .02em;
  transition: all .2s;
  cursor: default;
}
.partner-logo:hover { border-color: var(--primary); color: var(--primary); background: var(--primary-light); transform: translateY(-2px); }

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}
.testimonial {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: transform .2s, box-shadow .2s;
}
.testimonial:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.testimonial-featured {
  border-color: var(--primary);
  box-shadow: 0 0 0 2px rgba(126,1,1,.12);
}
.testimonial-stars { color: var(--accent); font-size: 18px; letter-spacing: 2px; }
.testimonial p { font-size: 15px; color: var(--text-muted); line-height: 1.7; font-style: italic; flex: 1; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 42px; height: 42px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
}
.testimonial-author strong { display: block; font-size: 14px; color: var(--text); }
.testimonial-author span { font-size: 12px; color: var(--text-muted); }
.testimonials-rating {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
}
.rating-badge {
  display: flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 16px 24px;
}
.rating-num { font-size: 36px; font-weight: 800; color: var(--primary); }
.rating-stars { color: var(--accent); font-size: 18px; }
.rating-badge span:last-child { font-size: 13px; color: var(--text-muted); }
.btn-outline-red {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
  padding: 10px 24px;
  font-size: 14px;
  font-weight: 600;
  border-radius: 8px;
  cursor: pointer;
  transition: all .2s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
}
.btn-outline-red:hover { background: var(--primary); color: #fff; }

/* ===== TILGUNGSPLAN ===== */
.tilgungsplan-wrapper { margin-top: 32px; }
.tilgungsplan-toggle {
  width: 100%;
  background: var(--bg-gray);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 24px;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  color: var(--text);
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: background .2s;
}
.tilgungsplan-toggle:hover { background: var(--primary-light); color: var(--primary); }
.toggle-arrow { font-size: 12px; transition: transform .2s; }
.tilgungsplan { margin-top: 0; }
.tilgungsplan-scroll { overflow-x: auto; max-height: 400px; overflow-y: auto; }
.tilgungsplan-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.tilgungsplan-table thead {
  background: var(--primary);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 1;
}
.tilgungsplan-table th, .tilgungsplan-table td {
  padding: 10px 16px;
  text-align: right;
  border-bottom: 1px solid var(--border);
}
.tilgungsplan-table th:first-child, .tilgungsplan-table td:first-child { text-align: left; }
.tilgungsplan-table tbody tr:nth-child(even) { background: var(--bg-gray); }
.tilgungsplan-table tbody tr:hover { background: var(--primary-light); }

/* ===== KARTE ===== */
.map-wrapper { margin-top: 8px; }
.map-link {
  display: block;
  font-size: 12px;
  color: rgba(255,255,255,.5);
  margin-top: 6px;
  text-align: right;
  transition: color .15s;
}
.map-link:hover { color: #fff; }

/* ===== FLOATING BUTTONS ===== */
.floating-buttons {
  position: fixed;
  bottom: 28px;
  right: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  z-index: 500;
}
.float-btn {
  width: 56px; height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 20px rgba(0,0,0,.25);
  transition: transform .2s, box-shadow .2s;
  text-decoration: none;
}
.float-btn:hover { transform: scale(1.1); box-shadow: 0 6px 28px rgba(0,0,0,.3); }
.float-btn svg { width: 24px; height: 24px; }
.float-whatsapp { background: #25d366; color: #fff; }
.float-callback { background: var(--primary); color: #fff; }

/* ===== MODAL ===== */
.modal-overlay {
  position: fixed; inset: 0;
  background: rgba(0,0,0,.6);
  z-index: 9000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.modal {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 440px;
  width: 100%;
  position: relative;
  box-shadow: var(--shadow-lg);
}
.modal h3 { font-size: 22px; font-weight: 800; margin-bottom: 8px; color: var(--text); }
.modal > p { color: var(--text-muted); font-size: 15px; margin-bottom: 24px; }
.modal-close {
  position: absolute;
  top: 16px; right: 16px;
  background: none;
  border: none;
  font-size: 18px;
  cursor: pointer;
  color: var(--text-muted);
  width: 32px; height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  transition: background .15s;
}
.modal-close:hover { background: var(--bg-gray); }

/* ===== HAMBURGER ACTIVE ===== */
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ===== SCROLL ANIMATIONS ===== */
.animate-ready { opacity: 0; transform: translateY(24px); transition: opacity .5s ease, transform .5s ease; }
.animate-in { opacity: 1; transform: translateY(0); }

/* ===== ÜBER UNS ===== */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.about-text h2 { font-size: 2rem; font-weight: 800; margin-bottom: 20px; }
.about-text p { color: var(--text-muted); font-size: 16px; line-height: 1.8; margin-bottom: 16px; }
.about-text strong { color: var(--text); }
.timeline-item { display: flex; gap: 20px; margin-bottom: 28px; }
.timeline-year {
  min-width: 52px;
  height: 52px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
  flex-shrink: 0;
}
.timeline-content h4 { font-size: 15px; font-weight: 700; margin-bottom: 4px; }
.timeline-content p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.value-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  transition: transform .2s, box-shadow .2s;
}
.value-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.value-icon { display: flex; align-items: center; justify-content: center; width: 60px; height: 60px; background: var(--primary-light); border-radius: 50%; margin: 0 auto 16px; }
.value-icon svg { width: 28px; height: 28px; stroke: var(--primary); }
.value-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 10px; }
.value-card p { font-size: 14px; color: var(--text-muted); line-height: 1.65; }

.team-card {
  display: flex;
  gap: 40px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
  max-width: 760px;
  margin: 0 auto;
}
.team-avatar {
  width: 100px; height: 100px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 800;
  flex-shrink: 0;
}
.team-info h3 { font-size: 22px; font-weight: 800; margin-bottom: 4px; }
.team-title { font-size: 14px; color: var(--primary); font-weight: 600; display: block; margin-bottom: 16px; }
.team-info p { font-size: 15px; color: var(--text-muted); line-height: 1.7; margin-bottom: 12px; }
.team-contact { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }

/* ===== BLOG ===== */
.blog-featured {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 40px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
  margin-bottom: 16px;
}
.blog-featured h2 { font-size: 1.8rem; font-weight: 800; margin: 12px 0 16px; }
.blog-featured > .blog-featured-content > p { color: var(--text-muted); font-size: 16px; line-height: 1.7; margin-bottom: 20px; }
.blog-tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 12px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 100px;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.blog-meta { display: flex; gap: 8px; font-size: 13px; color: var(--text-muted); margin-bottom: 20px; }
.blog-featured-box {
  background: var(--primary-light);
  border: 1px solid #e8c0c0;
  border-radius: var(--radius);
  padding: 28px;
}
.blog-featured-icon { display: flex; align-items: center; justify-content: center; width: 52px; height: 52px; background: rgba(255,255,255,0.15); border-radius: 12px; margin-bottom: 14px; }
.blog-featured-icon svg { width: 28px; height: 28px; stroke: #fff; }
.blog-featured-box h4 { font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.blog-featured-box p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.blog-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: transform .2s, box-shadow .2s;
}
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.blog-card-icon { display: flex; align-items: center; justify-content: center; width: 44px; height: 44px; background: var(--primary-light); border-radius: 10px; margin-bottom: 12px; }
.blog-card-icon svg { width: 24px; height: 24px; stroke: var(--primary); }
.blog-card h3 { font-size: 16px; font-weight: 700; line-height: 1.4; }
.blog-card p { font-size: 14px; color: var(--text-muted); line-height: 1.65; flex: 1; }
.blog-read-link { color: var(--primary); font-size: 14px; font-weight: 600; text-decoration: none; margin-top: auto; }
.blog-read-link:hover { text-decoration: underline; }

.newsletter-form {
  display: flex;
  gap: 12px;
  max-width: 480px;
  margin: 0 auto;
}
.newsletter-form input {
  flex: 1;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 15px;
  font-family: inherit;
  outline: none;
}
.newsletter-form input:focus { border-color: var(--primary); }

/* ===== RESPONSIVE ERWEITERUNGEN ===== */
@media (max-width: 1100px) {
  .partners-grid { grid-template-columns: repeat(4, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; }
  .blog-featured { grid-template-columns: 1fr; }
  .team-card { flex-direction: column; align-items: center; text-align: center; }
}
@media (max-width: 640px) {
  .partners-grid { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .newsletter-form { flex-direction: column; }
  .floating-buttons { bottom: 20px; right: 16px; }
  .float-btn { width: 50px; height: 50px; }
  .cookie-content { flex-direction: column; gap: 16px; }
}

/* ===== LEGAL PAGES ===== */
.legal-page {
  padding: 120px 0 80px;
  min-height: 100vh;
  background: var(--bg);
}
.legal-container {
  max-width: 820px;
}
.legal-page h1 {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 800;
  margin-bottom: 8px;
  color: var(--primary);
}
.legal-intro {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 48px;
  padding-bottom: 24px;
  border-bottom: 2px solid var(--primary-light);
}
.legal-section {
  margin-bottom: 40px;
}
.legal-section h2 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}
.legal-section h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--text);
  margin: 16px 0 8px;
}
.legal-section p {
  font-size: 15px;
  color: #374151;
  line-height: 1.75;
  margin-bottom: 12px;
}
.legal-section a { color: var(--primary); text-decoration: underline; }
.legal-list {
  padding-left: 20px;
  margin: 8px 0 12px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.legal-list li {
  font-size: 15px;
  color: #374151;
  line-height: 1.65;
  list-style: disc;
}
.legal-list-ordered li { list-style: decimal; }
.legal-date {
  font-size: 13px;
  color: var(--text-muted);
  font-style: italic;
  margin-top: 48px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.legal-notice {
  background: var(--primary-light);
  border-left: 4px solid var(--primary);
  border-radius: 8px;
  padding: 16px 20px;
  margin-bottom: 36px;
  font-size: 14px;
  color: var(--primary-dark);
  line-height: 1.6;
}
.legal-warning {
  background: #fff8e1;
  border-left: 4px solid var(--accent);
  border-radius: 8px;
  padding: 16px 20px;
}
.legal-warning p { color: #78350f; font-weight: 600; margin-bottom: 8px; }
.legal-warning .legal-list li { color: #78350f; }

/* ===== SPARTE + VERKAUF & FINANZIERUNG ===== */

/* Eyebrow */
.sparte-eyebrow {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.sparte-eyebrow::before {
  content: '';
  display: block;
  width: 24px; height: 2px;
  background: var(--primary);
  flex-shrink: 0;
}

/* ── Sparte Intro ── */
.sparte-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  margin-bottom: 72px;
}
.sparte-intro-text h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -.02em;
  line-height: 1.2;
  margin-bottom: 18px;
}
.sparte-intro-text p {
  font-size: 15.5px;
  color: #4a3535;
  line-height: 1.75;
  margin-bottom: 14px;
}
.sparte-intro-text p:last-of-type { margin-bottom: 24px; }

.sparte-visual {
  display: flex;
  align-items: center;
  gap: 16px;
}
.sparte-card {
  flex: 1;
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: 16px;
  padding: 24px 20px;
  text-align: center;
}
.sparte-card-active {
  border-color: var(--primary);
  background: var(--primary-light);
}
.sparte-card-icon { display: flex; align-items: center; justify-content: center; width: 52px; height: 52px; background: var(--primary-light); border-radius: 12px; margin-bottom: 12px; }
.sparte-card-icon svg { width: 28px; height: 28px; stroke: var(--primary); }
.sparte-card h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 6px;
  line-height: 1.3;
}
.sparte-card p {
  font-size: 12.5px;
  color: var(--text-muted);
  line-height: 1.5;
}
.sparte-arrow {
  font-size: 28px;
  font-weight: 800;
  color: var(--primary);
  flex-shrink: 0;
}

/* ── Verkauf & Finanzierung Block ── */
.vf-block {
  border-top: 1px solid var(--border);
  padding-top: 64px;
}
.vf-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}
.vf-header .sparte-eyebrow {
  justify-content: center;
}
.vf-header .sparte-eyebrow::before { display: none; }
.vf-header h2 {
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -.02em;
  margin-bottom: 14px;
}
.vf-sub {
  font-size: 17px;
  color: var(--text-muted);
  line-height: 1.65;
}

.vf-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 36px;
}
.vf-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px 22px;
  transition: box-shadow .2s, transform .2s;
}
.vf-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.vf-card-icon {
  width: 44px; height: 44px;
  background: var(--primary);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.vf-card-icon svg {
  width: 22px; height: 22px;
  stroke: #fff;
}
.vf-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 8px;
}
.vf-card p {
  font-size: 13.5px;
  color: var(--text-muted);
  line-height: 1.6;
}

.vf-trust {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  background: var(--primary-light);
  border-radius: 12px;
  padding: 16px 24px;
  font-size: 13px;
  font-weight: 600;
  color: var(--primary-dark);
}
.vf-chip {
  background: var(--primary);
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 100px;
}

/* Responsive */
@media (max-width: 900px) {
  .sparte-intro { grid-template-columns: 1fr; gap: 36px; }
  .vf-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .sparte-visual { flex-direction: column; }
  .sparte-arrow { transform: rotate(90deg); }
  .vf-grid { grid-template-columns: 1fr; }
}

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .calculator-wrapper { grid-template-columns: 1fr; }
  .contact-wrapper { grid-template-columns: 1fr; gap: 40px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {

  /* Trust-Bar auf Mobile ausblenden */
  .trust-bar { display: none; }

  /* ── Navbar ── */
  .hamburger { display: flex; }

  /* "Jetzt anfragen" Button in Navbar komplett verstecken */
  .nav-links .btn { display: none !important; }

  /* Dropdown-Menü */
  .nav-links {
    position: fixed;
    top: 68px; left: 0; right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 8px 0 20px;
    gap: 0;
    border-top: 3px solid var(--primary);
    box-shadow: 0 12px 40px rgba(0,0,0,.18);
    transform: translateY(-120%);
    transition: transform .3s cubic-bezier(.4,0,.2,1);
    z-index: 99;
    visibility: hidden;
  }
  .nav-links.open {
    transform: translateY(0);
    visibility: visible;
  }

  /* Menü-Links im Dropdown */
  .nav-links a:not(.btn) {
    display: block;
    padding: 15px 24px;
    font-size: 16px;
    font-weight: 600;
    color: var(--text);
    border-bottom: 1px solid var(--border);
    text-align: left;
  }

  /* CTA im Dropdown sichtbar und groß */
  .nav-links .btn {
    display: flex !important;
    margin: 16px 20px 0;
    padding: 14px;
    font-size: 16px;
    justify-content: center;
    border-radius: 10px;
  }

  /* ── Hero ── */
  .hero-stats { gap: 20px; }
  .stat-num { font-size: 22px; }
  .hero-trust-row { gap: 6px; }
  .hero-trust-chip { font-size: 12px; padding: 4px 10px; }

  /* ── Sonstiges ── */
  .steps { flex-direction: column; align-items: stretch; }
  .step { max-width: 100%; }
  .step-arrow { transform: rotate(90deg); align-self: center; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .calculator-wrapper { padding: 24px 20px; }
  .contact-form { padding: 28px 20px; }

  /* Floating Buttons */
  .floating-buttons { bottom: 20px; right: 14px; gap: 10px; }
  .float-btn { width: 52px; height: 52px; font-size: 22px; }
}