/* ==========================================================================
   Schriften – lokal eingebunden
   Lora und Poppins liegen unter assets/fonts/ und werden von Ihrem eigenen
   Server ausgeliefert. Es findet keine Verbindung zu Google statt.
   Beide Schriften stehen unter der SIL Open Font License 1.1.
   Bitte die Datei OFL.txt im Ordner assets/fonts/ belassen bzw. ergänzen.
   ========================================================================== */

@font-face{
  font-family:'Lora'; font-style:normal; font-weight:400; font-display:swap;
  src:url('fonts/lora-400.woff') format('woff');
}
@font-face{
  font-family:'Lora'; font-style:normal; font-weight:500; font-display:swap;
  src:url('fonts/lora-500.woff') format('woff');
}
@font-face{
  font-family:'Lora'; font-style:normal; font-weight:600; font-display:swap;
  src:url('fonts/lora-600.woff') format('woff');
}

@font-face{
  font-family:'Poppins'; font-style:normal; font-weight:300; font-display:swap;
  src:url('fonts/poppins-300.woff') format('woff');
}
@font-face{
  font-family:'Poppins'; font-style:normal; font-weight:400; font-display:swap;
  src:url('fonts/poppins-400.woff') format('woff');
}
@font-face{
  font-family:'Poppins'; font-style:normal; font-weight:500; font-display:swap;
  src:url('fonts/poppins-500.woff') format('woff');
}
@font-face{
  font-family:'Poppins'; font-style:normal; font-weight:700; font-display:swap;
  src:url('fonts/poppins-700.woff') format('woff');
}

:root{
  --ink:#14161A; --ink-2:#1E2126;
  --gold:#CB9C42; --gold-deep:#A87F2E; --gold-pale:#F0E4CB;
  --paper:#FBF9F5; --paper-2:#F3EEE4;
  --line:#E4DECF; --line-dark:#33363C;
  --muted:#7A776F; --soft:#3A3D42;
  --serif:'Lora',Georgia,serif;
  --sans:'Poppins',-apple-system,'Segoe UI',sans-serif;
  --pad:clamp(20px,5vw,72px);
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{background:var(--paper);color:var(--ink);font-family:var(--sans);font-weight:300;
     line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
a{color:inherit;}
img,svg{display:block;max-width:100%;}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;}

.shell{max-width:1180px;margin:0 auto;padding:0 var(--pad);}
section[id]{scroll-margin-top:88px;}
.eyebrow{font-size:.66rem;letter-spacing:.32em;text-transform:uppercase;font-weight:500;color:var(--gold-deep);}
.eyebrow.on-dark{color:var(--gold);}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.01em;}
h1{font-size:clamp(1.95rem,3.9vw,3rem);text-wrap:balance;}
h2{font-size:clamp(1.65rem,3.2vw,2.5rem);text-wrap:balance;}
h3{font-size:1.08rem;}
p{color:var(--soft);}
.lead{font-size:clamp(1rem,1.3vw,1.1rem);}

.btn{display:inline-block;font-family:var(--sans);font-size:.76rem;font-weight:600;letter-spacing:.13em;
     text-transform:uppercase;text-decoration:none;padding:14px 26px;border:1px solid var(--gold);
     background:var(--gold);color:var(--ink);cursor:pointer;transition:background .2s,color .2s;}
.btn:hover{background:transparent;color:var(--gold-deep);}
.btn.ghost{background:transparent;color:var(--gold-deep);}
.btn.ghost:hover{background:var(--gold);color:var(--ink);}
.btn.ghost.on-dark{color:var(--gold);}
.btn.ghost.on-dark:hover{background:var(--gold);color:var(--ink);}
.textlink{font-size:.8rem;font-weight:500;letter-spacing:.11em;text-transform:uppercase;
  color:var(--gold-deep);text-decoration:none;border-bottom:1px solid var(--gold);padding-bottom:3px;
  display:inline-block;transition:color .2s,border-color .2s;}
.textlink:hover{color:var(--ink);border-color:var(--ink);}
.textlink.on-dark{color:var(--gold);}
.textlink.on-dark:hover{color:#fff;border-color:#fff;}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(251,249,245,.93);
       backdrop-filter:blur(10px);border-bottom:1px solid transparent;transition:border-color .3s;}
header.stuck{border-bottom-color:var(--line);}
.bar{display:flex;align-items:center;justify-content:space-between;gap:24px;
     padding:14px var(--pad);position:relative;}
.bar .brand img{width:98px;}
nav{display:flex;align-items:center;gap:30px;}
nav a{font-size:.82rem;text-decoration:none;color:var(--soft);letter-spacing:.02em;transition:color .2s;}
nav a:hover{color:var(--gold-deep);}
nav a.current{color:var(--ink);font-weight:500;}
nav a.current::after{content:"";display:block;height:1px;background:var(--gold);margin-top:4px;}
nav a.btn{color:var(--ink);}
nav a.btn::after{display:none;}
.menu-toggle{display:none;background:none;border:0;font-size:1.5rem;line-height:1;cursor:pointer;color:var(--ink);}

/* ---------- page hero (Unterseiten) ---------- */
.phero{padding:clamp(44px,6vw,80px) 0 clamp(36px,5vw,58px);border-bottom:1px solid var(--line);}
.phero h1{margin-top:18px;max-width:20ch;}
.phero p{margin-top:20px;max-width:58ch;}

/* ---------- sections ---------- */
.sec{padding:clamp(56px,8vw,104px) 0;}
.sec.tight{padding:clamp(44px,6vw,76px) 0;}
.sec-head{max-width:54ch;}
.sec-head h2{margin-top:16px;}
.sec-head p{margin-top:18px;}
.band{background:var(--ink);color:#EFEBE3;padding:clamp(52px,7vw,92px) 0;}
.band p{color:#B8B3A9;}
.band h2,.band h3{color:#fff;}
.tone{background:var(--paper-2);}

/* ---------- grids ---------- */
.g2{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,72px);align-items:center;}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(22px,3vw,36px);}
.g2.top,.g3.top{align-items:start;}

/* ---------- cards ---------- */
.card{background:var(--paper);border:1px solid var(--line);padding:clamp(24px,3vw,34px);
      display:flex;flex-direction:column;}
.card .k{font-size:.66rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-deep);font-weight:500;}
.card h3{margin-top:14px;}
.card p{margin-top:11px;font-size:.93rem;}
.card .textlink{margin-top:auto;padding-top:22px;align-self:flex-start;}
.card.dark{background:var(--ink-2);border-color:var(--line-dark);}
.card.dark p{color:#B8B3A9;}

.tick{list-style:none;}
.tick li{font-size:.93rem;color:var(--soft);padding-left:22px;position:relative;margin-top:11px;}
.tick li::before{content:"";position:absolute;left:0;top:.62em;width:9px;height:1px;background:var(--gold);}
.band .tick li{color:#B8B3A9;}

/* ---------- Leistungs-Zeilen ---------- */
.rows{border-top:1px solid var(--line);margin-top:44px;}
.row-item{display:grid;grid-template-columns:64px 1fr 1.25fr;gap:clamp(18px,3vw,44px);
  padding:clamp(26px,3vw,38px) 0;border-bottom:1px solid var(--line);align-items:start;}
.row-item .no{font-family:var(--serif);font-size:1.05rem;color:var(--gold-deep);padding-top:2px;}
.row-item h3{font-size:1.22rem;}
.row-item .sub{font-size:.82rem;color:var(--muted);margin-top:8px;}
.row-item .body p{font-size:.95rem;}

/* ---------- Ablauf (vertikal) ---------- */
.track{margin-top:48px;position:relative;padding-left:44px;}
.track::before{content:"";position:absolute;left:12px;top:8px;bottom:8px;width:1px;background:var(--line);}
.band .track::before{background:var(--line-dark);}
.stop{position:relative;padding-bottom:34px;}
.stop:last-child{padding-bottom:0;}
.stop::before{content:"";position:absolute;left:-38px;top:7px;width:9px;height:9px;border-radius:50%;
  background:var(--gold);box-shadow:0 0 0 5px var(--paper);}
.band .stop::before{box-shadow:0 0 0 5px var(--ink);}
.tone .stop::before{box-shadow:0 0 0 5px var(--paper-2);}
.stop h3{font-size:1.08rem;}
.stop p{margin-top:8px;font-size:.94rem;max-width:62ch;}

/* ---------- Team ---------- */
.person{text-align:left;}
.avatar{width:78px;height:78px;border-radius:50%;border:1px solid var(--gold);
  display:flex;align-items:center;justify-content:center;font-family:var(--serif);
  font-size:1.35rem;color:var(--gold-deep);}
.person h3{margin-top:20px;}
.person .role{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-top:7px;}
.person p{margin-top:13px;font-size:.92rem;}

/* ---------- Zitat ---------- */
.quote{font-family:var(--serif);font-size:clamp(1.25rem,2.4vw,1.75rem);line-height:1.45;
  color:var(--ink);max-width:24ch;}
.band .quote{color:#fff;}
.quote-by{font-size:.75rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-top:22px;}

/* ---------- Formulare ---------- */
label{display:block;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:500;}
input,textarea,select{width:100%;font-family:var(--sans);font-size:.95rem;font-weight:300;color:var(--ink);
  background:transparent;border:0;border-bottom:1px solid var(--line);padding:10px 0;margin-top:6px;
  transition:border-color .2s;}
input:focus,textarea:focus,select:focus{outline:none;border-bottom-color:var(--gold);}
textarea{resize:vertical;min-height:82px;}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px 24px;margin-top:28px;}
.field.wide{grid-column:1/-1;}
.check{display:flex;gap:12px;align-items:flex-start;margin-top:26px;
  text-transform:none;letter-spacing:normal;font-weight:300;}
.check input{width:17px;height:17px;flex:0 0 auto;margin-top:3px;accent-color:var(--gold-deep);border-bottom:0;}
.check span{font-size:.82rem;color:var(--muted);line-height:1.6;}
.check a{color:var(--gold-deep);}
.form-actions{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-top:30px;}
.form-actions .alt{font-size:.85rem;color:var(--muted);}
.done{border:1px solid var(--gold);background:#fff;padding:26px 28px;margin-top:28px;}
.done h3{color:var(--gold-deep);}
.done p{margin-top:8px;font-size:.93rem;}
.panel{background:var(--paper);border:1px solid var(--line);padding:clamp(26px,4vw,46px);}

/* Tabs (Empfehlungsseite) */
.tabs{display:flex;gap:8px;margin-top:36px;flex-wrap:wrap;}
.tab{font-family:var(--sans);font-size:.8rem;font-weight:500;letter-spacing:.04em;padding:13px 24px;
  border:1px solid var(--line);background:transparent;color:var(--soft);cursor:pointer;transition:.2s;}
.tab[aria-selected="true"]{background:var(--ink);border-color:var(--ink);color:var(--gold-pale);}
.tabpanel{margin-top:-1px;}
.tabpanel[hidden]{display:none;}
.panel > p.intro{max-width:56ch;font-size:.95rem;}

/* ---------- Quick-Check (Startseite) ---------- */
.quick{background:var(--ink);color:#EFEBE3;padding:clamp(26px,3vw,36px);}
.quick .k{font-size:.66rem;letter-spacing:.26em;text-transform:uppercase;color:var(--gold);font-weight:500;}
.quick h3{color:#fff;margin-top:12px;font-size:1.18rem;}
.quick label{color:#8E8A82;}
.quick input,.quick select{color:#fff;border-bottom-color:var(--line-dark);}
.quick select option{color:var(--ink);}
.quick .fields{grid-template-columns:1fr 1fr;gap:16px 20px;margin-top:22px;}
.quick .btn{width:100%;text-align:center;margin-top:26px;}
.quick .fine{font-size:.75rem;color:#75726B;margin-top:14px;text-align:center;}

/* ---------- Emblem ---------- */
.emblem{width:min(100%,330px);margin-inline:auto;}
.emblem .ring{fill:none;stroke:var(--ink);stroke-width:2.6;
  stroke-dasharray:578;stroke-dashoffset:578;animation:draw 1.5s .2s cubic-bezier(.6,.05,.2,1) forwards;}
.emblem .roof{fill:none;stroke:var(--gold);stroke-width:7;stroke-linecap:round;stroke-linejoin:round;
  stroke-dasharray:110;stroke-dashoffset:110;animation:draw .7s 1.05s ease-out forwards;}
.emblem .wave{fill:none;stroke:var(--gold);stroke-linecap:round;
  stroke-dasharray:120;stroke-dashoffset:120;animation:draw .9s 1.3s ease-out forwards;}
.emblem .val{font-family:var(--serif);font-weight:600;font-size:55px;fill:var(--ink);
  opacity:0;animation:fade .8s .75s ease-out forwards;}
.emblem .val tspan{font-size:35px;fill:var(--gold-deep);}
.emblem.on-dark .ring{stroke:#EFEBE3;}
.emblem.on-dark .val{fill:#fff;}
.emblem.on-dark .val tspan{fill:var(--gold);}
.emblem.sm{width:min(100%,210px);}
@keyframes draw{to{stroke-dashoffset:0;}}
@keyframes fade{to{opacity:1;}}
.emblem-cap{text-align:center;margin-top:16px;font-size:.66rem;letter-spacing:.3em;
  text-transform:uppercase;color:var(--muted);opacity:0;animation:fade .8s 1.5s ease-out forwards;}

/* ---------- Prämienrechner ---------- */
.calc{border:1px solid var(--line-dark);padding:clamp(24px,3vw,34px);}
.calc-lbl{font-size:.66rem;letter-spacing:.28em;text-transform:uppercase;color:var(--gold);font-weight:500;}
.calc-row{display:flex;align-items:center;gap:18px;margin-top:20px;}
.step-btn{width:44px;height:44px;border:1px solid var(--line-dark);background:transparent;color:#EFEBE3;
  font-size:1.3rem;line-height:1;cursor:pointer;transition:border-color .2s,color .2s;font-family:var(--sans);}
.step-btn:hover:not(:disabled){border-color:var(--gold);color:var(--gold);}
.step-btn:disabled{opacity:.3;cursor:not-allowed;}
.calc-count{font-family:var(--serif);font-size:1.6rem;color:#fff;min-width:11ch;text-align:center;}
.calc-out{font-family:var(--serif);font-size:clamp(2.6rem,6vw,4rem);color:var(--gold);
  line-height:1;margin-top:22px;font-weight:600;}
.calc-foot{font-size:.8rem;color:#8E8A82;margin-top:14px;}

/* ---------- Split (Empfehlung) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);
  border:1px solid var(--line);margin-top:52px;}
.cell{background:var(--paper);padding:clamp(28px,4vw,44px);}
.cell .who{font-size:.66rem;letter-spacing:.24em;text-transform:uppercase;font-weight:500;}
.cell .val{font-family:var(--serif);font-size:2.4rem;color:var(--gold-deep);margin-top:14px;line-height:1;font-weight:600;}
.cell .val.txt{font-size:1.5rem;}
.cell .tick{margin-top:22px;}

/* ---------- FAQ ---------- */
.faq{margin-top:44px;border-top:1px solid var(--line);}
details{border-bottom:1px solid var(--line);}
summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;position:relative;
  font-family:var(--serif);font-size:1.05rem;color:var(--ink);}
summary::-webkit-details-marker{display:none;}
summary::after{content:"+";position:absolute;right:6px;top:20px;font-family:var(--sans);
  font-size:1.4rem;font-weight:300;color:var(--gold-deep);transition:transform .25s;}
details[open] summary::after{transform:rotate(45deg);}
details p{padding:0 44px 24px 0;font-size:.94rem;}

/* ---------- CTA-Streifen ---------- */
.cta-strip{border-top:1px solid var(--line);}
.cta-strip .inner{display:flex;justify-content:space-between;align-items:center;gap:32px;
  padding:clamp(38px,5vw,62px) 0;flex-wrap:wrap;}
.cta-strip h2{max-width:20ch;}

/* ---------- footer ---------- */
footer{background:var(--ink);color:#B8B3A9;padding:clamp(48px,6vw,76px) 0 30px;}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:clamp(26px,4vw,52px);}
footer .brand img{width:120px;}
footer h4{font-family:var(--serif);font-size:.98rem;color:#fff;font-weight:500;}
footer ul{list-style:none;margin-top:16px;}
footer li{margin-top:10px;font-size:.88rem;}
footer a{text-decoration:none;transition:color .2s;}
footer a:hover{color:var(--gold);}
.legal{margin-top:clamp(36px,5vw,60px);padding-top:26px;border-top:1px solid var(--line-dark);
  font-size:.72rem;color:#75726B;line-height:1.75;}
.legal .row{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-top:18px;}

/* ---------- reveal ---------- */
.rv{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease;}
.rv.in{opacity:1;transform:none;}

/* ---------- responsive ---------- */
@media (max-width:980px){
  .f-grid{grid-template-columns:1fr 1fr;}
  .g3{grid-template-columns:1fr;}
  .row-item{grid-template-columns:44px 1fr;}
  .row-item .body{grid-column:2/-1;}
}
@media (max-width:900px){
  .g2,.split{grid-template-columns:1fr;}
  .fields,.quick .fields{grid-template-columns:1fr;}
  .split{border-left:0;border-right:0;}
  .bar .brand img{width:82px;}
  nav{position:absolute;top:100%;left:0;right:0;background:var(--paper);flex-direction:column;
      align-items:stretch;gap:0;padding:8px var(--pad) 24px;border-bottom:1px solid var(--line);
      transform:translateY(-130%);transition:transform .3s;}
  nav.open{transform:none;}
  nav a{padding:15px 0;border-bottom:1px solid var(--line);font-size:.95rem;}
  nav a.current::after{display:none;}
  nav a.btn{margin-top:18px;text-align:center;border-bottom:1px solid var(--gold);}
  .menu-toggle{display:block;}
}
@media (max-width:620px){
  .f-grid{grid-template-columns:1fr;}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important;}
  .rv{opacity:1;transform:none;}
  .emblem .ring,.emblem .roof,.emblem .wave{stroke-dashoffset:0;}
  .emblem .val,.emblem-cap{opacity:1;}
  html{scroll-behavior:auto;}
}

/* ---------- Rechtsseiten ---------- */
.doc{max-width:74ch;}
.doc h2{font-size:clamp(1.3rem,2.2vw,1.72rem);margin-top:clamp(38px,4vw,54px);}
.doc h2:first-of-type{margin-top:0;}
.doc h3{font-size:1.02rem;margin-top:26px;}
.doc p{margin-top:14px;font-size:.95rem;}
.doc ul,.doc ol{margin-top:14px;padding-left:0;list-style:none;}
.doc ol{counter-reset:li;}
.doc li{font-size:.95rem;color:var(--soft);position:relative;padding-left:24px;margin-top:9px;}
.doc ul > li::before{content:"";position:absolute;left:0;top:.64em;width:9px;height:1px;background:var(--gold);}
.doc ol > li{counter-increment:li;}
.doc ol > li::before{content:counter(li) ".";position:absolute;left:0;top:0;color:var(--gold-deep);font-size:.85rem;}
.doc a{color:var(--gold-deep);}
.doc .meta{font-size:.8rem;color:var(--muted);margin-top:12px;}
.doc address{font-style:normal;font-size:.95rem;color:var(--soft);margin-top:14px;line-height:1.8;}
.doc .box{border:1px solid var(--line);background:#fff;padding:clamp(20px,2.6vw,30px);margin-top:26px;}
.doc .box h3{margin-top:0;}
.draft{border-left:3px solid var(--gold);background:var(--paper-2);
  padding:20px 24px;margin-bottom:clamp(34px,4vw,48px);}
.draft strong{display:block;font-family:var(--serif);font-size:1rem;color:var(--ink);margin-bottom:6px;}
.draft p{font-size:.88rem;margin-top:0;}
.toc{border-top:1px solid var(--line);border-bottom:1px solid var(--line);
  padding:18px 0;margin-bottom:clamp(30px,4vw,44px);}
.toc ul{list-style:none;display:flex;flex-wrap:wrap;gap:6px 22px;}
.toc li{font-size:.84rem;padding-left:0;margin-top:0;}
.toc li::before{display:none;}
.toc a{color:var(--soft);text-decoration:none;}
.toc a:hover{color:var(--gold-deep);}