/* Beitragsfuchs.de – Stylesheet
   Gestaltung nach der freigegebenen Vorlage „Beitragsfuchs – PKV-Tarifoptimierung in Düsseldorf“:
   Logo mittig, Dunkelblau/Weiß, helle Eisblau-Flächen, orange Handlungsaufforderungen und Pinselstriche.
   Schrift laut IT-Übergabe: eine Familie (Source Serif 4), Fließtext ≥ 18 px Desktop / 17 px mobil. */

@font-face {
  font-family: "Source Serif 4";
  src: url("/assets/fonts/source-serif-4-latin-var.woff2") format("woff2");
  font-weight: 400 700;
  font-style: normal;
  font-display: swap;
}

/* Metrisch angeglichener Fallback gegen Layoutsprünge beim Font-Wechsel */
@font-face {
  font-family: "Source Serif Fallback";
  src: local("Georgia"), local("Times New Roman");
  size-adjust: 104%;
  ascent-override: 92%;
  descent-override: 30%;
}

:root {
  --navy: #082e4c;
  --navy-900: #06243c;
  --navy-700: #0d3a5c;
  --navy-500: #2a5576;
  --ice: #f3f6f9;
  --ice-200: #e6edf3;
  --white: #fff;
  --orange: #f26a17;          /* Markenorange: Flächen, Linien, Icons */
  --orange-cta: #e2580f;      /* Buttons (weiße Schrift, groß/fett: Kontrast ≥ 3:1) */
  --orange-cta-hover: #c84b0a;
  --orange-text: #b5480c;     /* oranger Text auf Hell: Kontrast ≥ 4.5:1 */
  --orange-light: #f7894d;    /* oranger Text auf Dunkelblau */
  --ink: #1d3346;
  --muted: #4a5d70;
  --line: #d8e1e9;
  --error: #b3261e;
  --error-bg: #fdf1f0;
  --focus: #f26a17;

  --font: "Source Serif 4", "Source Serif Fallback", Georgia, "Times New Roman", serif;
  --fs-body: 1.0625rem;
  --fs-small: 1rem;
  --fs-h1: clamp(2.2rem, 1.45rem + 3.2vw, 4rem);
  --fs-h2: clamp(1.9rem, 1.45rem + 1.8vw, 2.9rem);
  --fs-h3: 1.375rem;
  --radius: 8px;
  --gutter: 20px;
  --section-y: clamp(3.75rem, 2.75rem + 4vw, 6.5rem);
  --shadow: 0 2px 4px rgb(8 46 76 / .04), 0 24px 60px -20px rgb(8 46 76 / .28);
  --brush: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 14' preserveAspectRatio='none'%3E%3Cpath d='M2 9.5C60 5 140 3.5 298 5.2c-80 1-170 3.2-238 7.3C40 13.6 14 12.4 2 9.5Z' fill='%23f26a17'/%3E%3C/svg%3E");
}

@media (min-width: 768px) { :root { --fs-body: 1.125rem; --gutter: 40px; } }
@media (min-width: 1280px) { :root { --gutter: 56px; } }

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 1.25rem; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

body {
  margin: 0; font-family: var(--font); font-size: var(--fs-body); line-height: 1.6;
  color: var(--ink); background: var(--white); text-rendering: optimizeLegibility; overflow-wrap: break-word;
}
[hidden] { display: none !important; }
img { max-width: 100%; height: auto; display: block; }
figure { margin: 0; }
h1, h2, h3 { color: var(--navy); line-height: 1.12; margin: 0 0 .5em; font-weight: 700; text-wrap: balance; }
h2, h3, .faq-q { hyphens: auto; -webkit-hyphens: auto; hyphenate-limit-chars: 10 4 4; }
h1 { font-size: var(--fs-h1); letter-spacing: -.02em; }
h2 { font-size: var(--fs-h2); letter-spacing: -.012em; }
h3, .h3 { font-size: var(--fs-h3); line-height: 1.3; }
p { margin: 0 0 1em; text-wrap: pretty; }
ul, ol { margin: 0; padding: 0; }
a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: .2em; }
a:hover { text-decoration-color: var(--orange); }
strong { font-weight: 600; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 2px; }

.container { width: 100%; max-width: calc(1320px + 2 * var(--gutter)); margin-inline: auto; padding-inline: var(--gutter); }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; padding: 0; }
.skip-link { position: absolute; left: 1rem; top: -4rem; z-index: 100; background: var(--navy); color: var(--white); padding: .75rem 1.25rem; border-radius: var(--radius); }
.skip-link:focus { top: 1rem; }
mark.placeholder { background: #fff3b0; color: #5b4300; padding: 0 .2em; border-radius: 3px; }
.ext { display: inline-block; margin-left: .25em; font-size: .85em; }

/* Orangener Pinselstrich unter hervorgehobenen Wörtern (wie Vorlage) */
.brush { position: relative; white-space: nowrap; }
.brush::after {
  content: ""; position: absolute; left: -.02em; right: .05em; bottom: -.16em; height: .2em; min-height: 6px;
  background: var(--brush) no-repeat center / 100% 100%;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  min-height: 48px; padding: .7em 1.35em; font: 700 1.1875rem/1.2 var(--font);
  border-radius: 6px; border: 2px solid transparent; text-decoration: none; cursor: pointer;
  transition: background-color .2s, color .2s, border-color .2s, box-shadow .2s, transform .2s;
}
.btn-lg { min-height: 58px; padding: .85em 1.5em; }
.btn-block { width: 100%; }
.btn-cta { background: var(--orange-cta); color: var(--white); box-shadow: 0 10px 24px -10px rgb(226 88 15 / .7); }
.btn-cta:hover { background: var(--orange-cta-hover); }
.btn-cta::after, .btn-outline::after { content: "→"; font-weight: 400; transition: transform .2s; }
.btn-cta:hover::after, .btn-outline:hover::after { transform: translateX(3px); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); font-size: 1.0625rem; }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn:active { transform: translateY(1px); }

.link-arrow { font-weight: 600; display: inline-flex; align-items: center; gap: .5em; min-height: 48px; text-decoration: none; color: var(--navy); }
.link-arrow::after { content: "→"; color: var(--orange-text); transition: transform .2s; }
.link-arrow:hover { text-decoration: underline; text-decoration-color: var(--orange); }
.link-arrow:hover::after { transform: translateX(3px); }

/* ---------- Topbar ---------- */
.topbar { background: var(--navy); color: #dfe7ee; font-size: .9375rem; }
.topbar-inner { list-style: none; display: flex; justify-content: center; align-items: center; gap: .25rem 3.5rem; min-height: 42px; }
.topbar-item { display: inline-flex; align-items: center; gap: .55rem; }
.topbar svg { width: 18px; height: 18px; flex: none; fill: none; stroke: currentColor; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.topbar a { color: var(--white); font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; min-height: 42px; }
.topbar a:hover { text-decoration: underline; }
@media (max-width: 1023px) { .topbar-focus { display: none !important; } }
@media (max-width: 639px) { .topbar-trust { display: none !important; } }

/* ---------- Header: Logo mittig, Navigation links und rechts ---------- */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: relative; z-index: 20; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-block: .6rem; }

/* Original-Logo (500×500 PNG mit transparentem Rand) wird per Ausschnitt auf den Inhalt beschnitten:
   Inhalt liegt bei x 22–478, y 123–359 → Seitenverhältnis 456:236 */
.brand { display: block; flex: none; border-radius: 4px; position: relative; z-index: 2; }
.brand-crop { display: block; width: var(--logo-w, 170px); aspect-ratio: 456 / 236; overflow: hidden; }
.brand-crop img { width: 109.649%; max-width: none; height: auto; margin: -26.974% 0 0 -4.825%; }
@media (max-width: 399px) { .site-header .brand { --logo-w: 150px; } }
@media (min-width: 768px) { .site-header .brand { --logo-w: 220px; } }

.main-nav ul { list-style: none; display: flex; align-items: center; gap: .25rem; }
.main-nav a:not(.btn) {
  display: inline-flex; align-items: center; min-height: 48px; padding: 0 .9rem;
  color: var(--navy); font-weight: 600; font-size: 1.0625rem; text-decoration: none; position: relative;
}
.main-nav a:not(.btn)::after {
  content: ""; position: absolute; left: .9rem; right: .9rem; bottom: 8px; height: 2px;
  background: var(--orange); transform: scaleX(0); transform-origin: left; transition: transform .2s;
}
.main-nav a:not(.btn):hover::after { transform: scaleX(1); }
.nav-cta { margin-left: 1rem; }

@media (min-width: 1024px) {
  .header-inner { display: grid; grid-template-areas: "stack"; align-items: center; padding-block: .9rem .75rem; }
  .header-inner > * { grid-area: stack; }
  .site-header .brand { --logo-w: 290px; justify-self: center; }
  .main-nav { display: grid; grid-template-columns: 1fr calc(290px + 4rem) 1fr; align-items: center; }
  .nav-left { grid-column: 1; justify-content: flex-start; margin-left: -.9rem; }
  .nav-right { grid-column: 3; justify-content: flex-end; }
}
@media (min-width: 1024px) and (max-width: 1199px) {
  .site-header .brand { --logo-w: 240px; }
  .main-nav { grid-template-columns: 1fr calc(240px + 2rem) 1fr; }
  .main-nav a:not(.btn) { padding: 0 .6rem; }
  .nav-cta { margin-left: .4rem; }
  .nav-cta .btn { padding-inline: 1rem; font-size: 1.0625rem; }
}

.nav-toggle {
  display: none; align-items: center; gap: .6rem; min-height: 48px; min-width: 48px; padding: 0 .9rem;
  font: 600 1.0625rem var(--font); color: var(--navy); background: var(--white);
  border: 2px solid var(--navy); border-radius: 6px; cursor: pointer;
}
.nav-toggle-bars, .nav-toggle-bars::before, .nav-toggle-bars::after {
  display: block; width: 20px; height: 2px; background: currentColor; border-radius: 1px; transition: transform .2s;
}
.nav-toggle-bars { position: relative; }
.nav-toggle-bars::before, .nav-toggle-bars::after { content: ""; position: absolute; left: 0; }
.nav-toggle-bars::before { top: -6px; }
.nav-toggle-bars::after { top: 6px; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars { background: transparent; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::after { transform: translateY(-6px) rotate(-45deg); }
@media (max-width: 399px) {
  .nav-toggle { padding: 0; width: 48px; justify-content: center; }
  .nav-toggle-label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }
}

@media (max-width: 1023px) {
  .js .nav-toggle { display: inline-flex; }
  .js .main-nav {
    position: absolute; left: 0; right: 0; top: 100%;
    background: var(--white); border-bottom: 1px solid var(--line); box-shadow: 0 18px 30px -18px rgb(8 46 76 / .3);
    padding: .5rem var(--gutter) 1.5rem;
  }
  .js .main-nav:not(.is-open) { display: none; }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .main-nav li { border-bottom: 1px solid var(--line); }
  .main-nav a:not(.btn) { width: 100%; padding: 0; min-height: 56px; font-size: 1.125rem; }
  .main-nav a:not(.btn)::after { left: 0; right: auto; width: 2.5rem; }
  .nav-cta { margin: 1.25rem 0 0; border-bottom: 0 !important; }
  .nav-cta .btn { width: 100%; }
  html:not(.js) .header-inner { flex-wrap: wrap; }
  html:not(.js) .main-nav { width: 100%; }
}

/* ---------- Abschnitte ---------- */
:is(.hero-grid, .band-grid, .explain-grid, .faq-grid, .footer-grid, .status-inner) { grid-template-columns: minmax(0, 1fr); }
.section { padding-block: var(--section-y); }
.section-ice { background: var(--ice); }
.section-head { max-width: 48rem; margin: 0 auto clamp(2.25rem, 1.75rem + 2vw, 3.5rem); text-align: center; }
.section-head p:not(.eyebrow) { color: var(--muted); }
.section-head-left { margin-inline: 0; text-align: left; }

.eyebrow { margin: 0 0 1rem; font-size: .9375rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--orange-text); }
.eyebrow-light { color: var(--orange-light); }
.h2-brush::after {
  content: ""; display: block; width: 3.5rem; height: .45rem; margin: .55rem auto 0;
  background: var(--brush) no-repeat center / 100% 100%;
}

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--ice); padding-top: clamp(2.25rem, 1.5rem + 3.5vw, 4.5rem); }
.hero-grid { display: grid; gap: 2rem; grid-template-areas: "copy" "form" "scene"; }
.hero-copy { grid-area: copy; max-width: 42rem; }
.hero .form-card { grid-area: form; }
.hero-scene { grid-area: scene; margin: 0 calc(-1 * var(--gutter)); }
.hero-scene img { width: 100%; }
.hero h1 { margin-bottom: .7em; }
.lead { font-size: clamp(1.125rem, 1.05rem + .35vw, 1.3125rem); line-height: 1.6; color: var(--ink); max-width: 36em; }

.promise-list { list-style: none; display: grid; gap: .9rem; margin: 1.75rem 0 0; }
.promise-list li { display: flex; align-items: center; gap: .75rem; font-weight: 600; color: var(--navy); line-height: 1.3; }
.promise-list li::before {
  content: ""; flex: none; width: 1.15rem; height: .6rem; margin: 0 .2rem .35rem;
  border: solid var(--orange); border-width: 0 0 3px 3px; transform: rotate(-45deg);
}
@media (min-width: 560px) { .promise-list { grid-template-columns: repeat(3, auto); justify-content: start; gap: 1.5rem 2.25rem; } }

@media (min-width: 1100px) {
  .hero-grid {
    grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr);
    grid-template-areas: "copy form" "scene form";
    column-gap: clamp(2.5rem, 4vw, 5rem); row-gap: 0; align-items: start;
  }
  .hero .form-card { margin-bottom: clamp(3rem, 4vw, 4.5rem); }
  .hero-scene { align-self: end; margin: 1.5rem 0 0 calc(-1 * var(--gutter) - 1rem); max-width: 790px; }
}

/* ---------- Formular ---------- */
.form-card { background: var(--white); border-top: 5px solid var(--orange); border-radius: var(--radius); box-shadow: var(--shadow); scroll-margin-top: 1rem; }
.form-card:focus { outline: none; }
.form-head { padding: 1.6rem clamp(1.25rem, 1rem + 1.5vw, 2rem) .25rem; }
.form-head h2 { font-size: clamp(1.6rem, 1.4rem + .8vw, 2rem); margin-bottom: .2rem; }
.form-head h2 { hyphens: manual; -webkit-hyphens: manual; }
@media (max-width: 519px) { .lead-form .btn-lg { padding-inline: .8em; gap: .4em; } }
.form-head p { margin: 0; color: var(--muted); }
.lead-form { padding: 1.25rem clamp(1.25rem, 1rem + 1.5vw, 2rem) 1.75rem; }

.field-grid { display: grid; gap: 1rem 1.1rem; }
@media (min-width: 520px) { .field-grid { grid-template-columns: 1fr 1fr; } .field-full { grid-column: 1 / -1; } }
.field { display: flex; flex-direction: column; min-width: 0; }
.field > label, .choice-group legend { font-weight: 600; color: var(--navy); margin-bottom: .3rem; line-height: 1.35; font-size: 1rem; }
.req { color: var(--error); margin-left: .1em; }

input[type="text"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%; min-height: 50px; padding: .65rem .85rem;
  font: 400 1.0625rem/1.4 var(--font); color: var(--ink);
  background: var(--white); border: 1.5px solid #8d9cac; border-radius: 6px;
  transition: border-color .15s, box-shadow .15s;
}
::placeholder { color: #6c7c8c; opacity: 1; }
select {
  appearance: none; padding-right: 2.5rem; cursor: pointer;
  background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='m1 1 6 6 6-6' fill='none' stroke='%23082e4c' stroke-width='2'/%3E%3C/svg%3E") no-repeat right .9rem center;
}
textarea { min-height: 5rem; resize: vertical; }
input:hover, select:hover, textarea:hover { border-color: var(--navy-500); }
input:focus-visible, select:focus-visible, textarea:focus-visible { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px var(--white), 0 0 0 5px var(--focus); }

.input-affix { position: relative; }
.input-affix input { padding-right: 2.75rem; }
.affix { position: absolute; right: 1.5px; top: 1.5px; bottom: 1.5px; width: 2.4rem; display: grid; place-items: center; color: var(--muted); border-left: 1px solid var(--line); pointer-events: none; }

.choice-group { border: 0; padding: 0; margin: 0; }
.choice-group legend { padding: 0; float: left; width: 100%; }
.choices { clear: both; display: grid; grid-template-columns: repeat(2, 1fr); gap: .5rem; }
@media (min-width: 520px) { .choices { grid-template-columns: repeat(4, 1fr); } }
.choices label { position: relative; cursor: pointer; }
.choices input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.choices span {
  display: flex; align-items: center; justify-content: center; min-height: 48px; padding: .4rem .5rem;
  border: 1.5px solid #8d9cac; border-radius: 6px; font-size: 1rem; color: var(--ink); text-align: center; transition: border-color .15s, background-color .15s;
}
.choices label:hover span { border-color: var(--navy-500); }
.choices input:checked + span { border-color: var(--navy); background: var(--navy); color: var(--white); font-weight: 600; }
.choices input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }

.field-hint, .field-count { font-size: .9375rem; color: var(--muted); margin: .35rem 0 0; line-height: 1.4; }
.field-meta { display: flex; justify-content: space-between; gap: 1rem; }
.field-count { white-space: nowrap; }
.field-error { display: none; margin: .4rem 0 0; color: var(--error); font-size: .9375rem; line-height: 1.4; font-weight: 600; }
.field-error span {
  display: inline-grid; place-items: center; width: 1.2em; height: 1.2em; margin-right: .3em;
  border-radius: 50%; background: var(--error); color: var(--white); font-size: .8em; vertical-align: .05em;
}
/* Fehler erst nach Interaktion zeigen (:user-invalid) – Fallback-Klasse für ältere Browser */
.field :is(input, select, textarea):user-invalid, .field .is-invalid { border-color: var(--error); background-color: var(--error-bg); }
.field :is(input, select, textarea):user-invalid ~ .field-error,
.field .is-invalid ~ .field-error,
.field .input-affix:has(:user-invalid) ~ .field-error,
.field .input-affix:has(.is-invalid) ~ .field-error { display: block; }

.field-check { display: grid; grid-template-columns: auto 1fr; gap: .25rem .8rem; margin: 1.4rem 0 1.25rem; align-items: start; }
.field-check input {
  appearance: none; width: 26px; height: 26px; margin: .1rem 0 0; cursor: pointer;
  border: 2px solid var(--navy); border-radius: 4px; background: var(--white); display: grid; place-items: center;
}
.field-check input::before { content: ""; width: 12px; height: 7px; border: solid var(--white); border-width: 0 0 3px 3px; transform: translateY(-2px) rotate(-45deg) scale(0); transition: transform .12s; }
.field-check input:checked { background: var(--navy); }
.field-check input:checked::before { transform: translateY(-2px) rotate(-45deg) scale(1); }
.field-check label { font-weight: 400; color: var(--ink); font-size: .9375rem; line-height: 1.5; cursor: pointer; }
.field-check .field-error { grid-column: 2; }
.field-check input:user-invalid, .field-check input.is-invalid { border-color: var(--error); background: var(--error-bg); }
.field-check input:user-invalid ~ .field-error, .field-check input.is-invalid ~ .field-error { display: block; }

.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-alert { border-radius: 6px; padding: 1rem 1.15rem; margin-bottom: 1.25rem; font-size: 1rem; line-height: 1.5; }
.form-alert:focus { outline: 3px solid var(--focus); outline-offset: 2px; }
.form-alert.is-error { background: var(--error-bg); border: 1.5px solid var(--error); color: #7c1a14; }
.form-alert p { margin: 0 0 .4rem; font-weight: 600; }
.form-alert ul { margin: 0; padding-left: 1.2rem; }
.form-alert a { color: inherit; }

.form-note { display: flex; align-items: center; justify-content: center; gap: .6rem; margin: 1rem 0 .2rem; color: var(--muted); font-size: .9375rem; text-align: center; }
.form-required { margin: 0; text-align: center; color: var(--muted); font-size: .9375rem; }
.lock { width: 13px; height: 11px; flex: none; background: var(--navy); border-radius: 2px; position: relative; margin-top: 5px; }
.lock::before { content: ""; position: absolute; left: 2px; top: -7px; width: 5px; height: 6px; border: 2px solid var(--navy); border-bottom: 0; border-radius: 4px 4px 0 0; }

.btn-busy { display: none; width: 1.1em; height: 1.1em; border: 2px solid rgb(255 255 255 / .35); border-top-color: var(--white); border-radius: 50%; animation: spin .8s linear infinite; }
.lead-form.is-busy .btn-busy { display: inline-block; }
.lead-form.is-busy button[type="submit"] { cursor: progress; opacity: .85; }
.lead-form.is-busy button[type="submit"]::after { display: none; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Ablauf ---------- */
.steps { list-style: none; display: grid; gap: 1.25rem; }
.step { position: relative; padding: 1.75rem 1.6rem 1.9rem; background: var(--white); border-radius: var(--radius); box-shadow: 0 1px 2px rgb(8 46 76 / .05), 0 10px 30px -18px rgb(8 46 76 / .25); }
.step-top { display: flex; align-items: center; gap: 1.1rem; margin-bottom: 1.25rem; }
.step-no {
  display: grid; place-items: center; width: 3.1rem; height: 3.1rem; flex: none;
  border: 2px solid var(--orange); border-radius: 50%; font-size: 1.25rem; font-weight: 700; color: var(--orange-text); background: #fff7f2;
}
.step-icon { width: 2.6rem; height: 2.6rem; fill: none; stroke: var(--navy); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.step h3 { margin-bottom: .4rem; }
.step p { color: var(--muted); margin: 0; }
@media (min-width: 700px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) {
  .steps { grid-template-columns: repeat(4, 1fr); gap: 2.5rem; }
  .step:not(:last-child)::after {
    content: ""; position: absolute; top: 50%; right: -1.6rem; width: .7rem; height: .7rem;
    border: solid var(--navy); border-width: 2px 2px 0 0; transform: translateY(-50%) rotate(45deg);
  }
}

/* ---------- Vorteile-Band (dunkelblau) ---------- */
.benefit-band { position: relative; background: var(--navy); color: #dbe4ec; overflow: hidden; padding-top: var(--section-y); }
.band-grid { display: grid; gap: 2.5rem; align-items: center; }
.band-copy h2 { color: var(--white); font-size: clamp(2rem, 1.5rem + 2.2vw, 3.1rem); margin-bottom: .75em; }
.band-copy p { color: #d4dee8; max-width: 34em; }
.check-list { list-style: none; display: grid; gap: .7rem; }
.check-list li { position: relative; padding-left: 2rem; }
.check-list li::before {
  content: ""; position: absolute; left: .2rem; top: .42em; width: .9rem; height: .48rem;
  border: solid var(--orange); border-width: 0 0 2.5px 2.5px; transform: rotate(-45deg);
}
.check-list-light { margin-top: 1.5rem; color: var(--white); }

.quote-card { position: relative; background: var(--white); color: var(--ink); border-radius: var(--radius); padding: 2rem 2rem 1.75rem; box-shadow: 0 30px 60px -30px rgb(0 0 0 / .5); }
.quote-mark { display: block; width: 2.4rem; height: 1.6rem; color: var(--orange); }
.quote-mark svg { width: 100%; height: 100%; fill: currentColor; }
.quote-card blockquote { margin: .9rem 0 1.25rem; }
.quote-card blockquote p { font-size: 1.1875rem; line-height: 1.6; color: var(--navy); margin: 0; }
.quote-card figcaption { border-top: 1px solid var(--line); padding-top: 1rem; display: grid; gap: .1rem; font-size: 1rem; }
.quote-card figcaption strong { color: var(--navy); }
.quote-card figcaption span { color: var(--muted); }

.band-fox { justify-self: end; align-self: end; width: 190px; margin-right: calc(-1 * var(--gutter)); }
.band-fox img { width: 100%; }

@media (max-width: 1099px) { .quote-card { max-width: 36rem; } }
@media (min-width: 1100px) {
  .benefit-band { padding-block: 0; }
  .band-grid { grid-template-columns: minmax(0, 1.05fr) minmax(0, .9fr) 230px; gap: 3.5rem; }
  .band-copy { padding-block: var(--section-y); }
  .band-fox { width: 230px; }
}

/* ---------- § 204 VVG ---------- */
.explain-grid { display: grid; gap: 1rem 4rem; }
@media (min-width: 1000px) { .explain-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); } }
.prose { max-width: 40rem; }
.prose p { margin-bottom: 1.15em; }
.note { margin-top: 2rem; padding: 1.6rem 1.75rem; background: var(--ice); border-left: 4px solid var(--orange); border-radius: 0 var(--radius) var(--radius) 0; }
.note h3 { font-size: 1.25rem; }

/* ---------- FAQ ---------- */
.faq-grid { display: grid; gap: 1rem 5rem; }
@media (min-width: 1000px) { .faq-grid { grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); align-items: start; } .faq-grid .section-head { position: sticky; top: 2rem; } }
.faq-grid h2 { font-size: clamp(2.1rem, 1.6rem + 2vw, 3.1rem); margin-bottom: .8em; }
.faq-toggle { margin-top: .5rem; }
.faq-list, .faq-more { display: grid; gap: .75rem; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: 6px; }
.faq-item[open] { border-color: #b9c7d4; box-shadow: 0 10px 30px -22px rgb(8 46 76 / .45); }
.faq-item summary {
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  min-height: 62px; padding: .9rem 1.1rem .9rem 1.4rem; cursor: pointer; list-style: none;
  font-weight: 600; color: var(--navy); font-size: 1.125rem; line-height: 1.4; border-radius: 6px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover .faq-q { text-decoration: underline; text-decoration-color: var(--orange); text-underline-offset: .2em; }
.faq-icon { position: relative; flex: none; width: 1.75rem; height: 1.75rem; }
.faq-icon::before, .faq-icon::after { content: ""; position: absolute; left: 50%; top: 50%; width: 14px; height: 2px; background: var(--navy); transform: translate(-50%, -50%); transition: transform .2s; }
.faq-icon::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq-item[open] .faq-icon::after { transform: translate(-50%, -50%) rotate(0); }
.faq-a { padding: 0 1.4rem 1.25rem; color: var(--muted); max-width: 46rem; }
.faq-a p:last-child { margin-bottom: 0; }

/* ---------- Footer (dunkelblau) ---------- */
.site-footer { background: var(--navy-900); color: #c9d5e0; padding-top: clamp(3rem, 2.5rem + 2vw, 4.5rem); font-size: 1rem; }
.footer-grid { display: grid; gap: 2.5rem; }
.footer-logo { display: inline-block; margin-bottom: 1.25rem; }
.footer-logo img { width: 240px; }
.footer-brand p { max-width: 26rem; color: #b8c7d6; }
.footer-title { font-size: 1.0625rem; color: var(--white); margin-bottom: .6rem; }
.footer-col ul { list-style: none; }
.site-footer a { color: #dfe7ee; text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; text-decoration-color: var(--orange); }
.footer-col a { display: inline-flex; align-items: center; min-height: 40px; }
.footer-col a[aria-current="page"] { color: var(--white); font-weight: 600; text-decoration: underline; }
.footer-contact li { display: flex; gap: .75rem; align-items: flex-start; padding: .35rem 0; }
.footer-contact li a { min-height: 0; }
.footer-contact svg { width: 20px; height: 20px; flex: none; margin-top: .2rem; fill: none; stroke: var(--orange-light); stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.footer-koe27 { font-weight: 600; display: inline-flex; min-height: 44px; align-items: center; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: .5rem 2rem; margin-top: 3rem; padding-block: 1.4rem; border-top: 1px solid rgb(255 255 255 / .14); color: #aebdcc; font-size: .9375rem; }
.footer-bottom p { margin: 0; }
@media (min-width: 700px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1100px) { .footer-grid { grid-template-columns: 1.4fr .9fr .9fr 1.3fr; gap: 3rem; } }

/* ---------- Mobile CTA ---------- */
.mobile-cta {
  position: fixed; left: 12px; right: 12px; bottom: max(12px, env(safe-area-inset-bottom)); z-index: 30;
  box-shadow: 0 10px 30px rgb(8 46 76 / .35); transition: transform .25s, opacity .25s;
}
.mobile-cta.is-hidden { transform: translateY(150%); opacity: 0; pointer-events: none; }
@media (min-width: 1024px) { .mobile-cta { display: none !important; } }

/* ---------- Rechtsseiten ---------- */
.legal { padding-block: clamp(2.5rem, 2rem + 3vw, 5rem) var(--section-y); }
.legal-inner { max-width: calc(48rem + 2 * var(--gutter)); }
.legal h1 { font-size: clamp(2.25rem, 1.8rem + 2vw, 3.25rem); }
.legal h2 { font-size: 1.625rem; margin-top: 2.5rem; padding-top: .5rem; scroll-margin-top: 1rem; }
.legal h3 { font-size: 1.1875rem; margin: 1.75rem 0 .35rem; }
.legal-inner > ul { padding-left: 1.3rem; margin-bottom: 1em; }
.legal li { margin-bottom: .35em; }
.legal-lead { font-size: 1.1875rem; color: var(--muted); }
.breadcrumb { font-size: var(--fs-small); color: var(--muted); margin-bottom: 1.5rem; }
.breadcrumb a { color: var(--muted); }
.toc { background: var(--ice); border-radius: var(--radius); padding: 1.25rem 1.5rem; margin: 2rem 0; }
.toc ol { padding-left: 1.3rem; columns: 2 16rem; }
.toc a { display: inline-block; padding: .2rem 0; }
.todo { margin-block: .5rem 1rem; }

/* ---------- Status (Danke / 404) ---------- */
.status { padding-block: clamp(3rem, 2rem + 4vw, 6rem) var(--section-y); background: var(--ice); }
.status-inner { display: grid; gap: 2rem; align-items: center; max-width: calc(64rem + 2 * var(--gutter)); }
.status-fox { width: 160px; }
@media (min-width: 800px) { .status-inner { grid-template-columns: 240px 1fr; gap: 4rem; } .status-fox { width: 240px; } }
.status h1 { font-size: clamp(2.1rem, 1.6rem + 2.2vw, 3.25rem); }
.status h2 { margin-top: 2rem; }
.ticket { display: inline-block; background: var(--white); border-left: 4px solid var(--orange); padding: .75rem 1rem; }
.status-steps { padding-left: 1.3rem; margin-bottom: 2rem; color: var(--muted); }
.status-steps li { margin-bottom: .5rem; }
.status-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem 1.75rem; }

/* ---------- Druck ---------- */
@media print {
  .topbar, .nav-toggle, .main-nav, .mobile-cta, .hero-scene, .band-fox { display: none !important; }
  .benefit-band, .site-footer { background: none; color: var(--ink); }
  .band-copy h2, .footer-title { color: var(--navy); }
}