/* Design nach "Farbpalette Landingpage" (TR Creative, 27.09.2026), Farben seit 06.10. am NiuStar-Emblem ausgerichtet
   (Navy #0A1B34, Gold #EAB24C, Creme #F0E9DC aus dem Emblem gemessen).
   Keine externen Schriften: Google Fonts würde IP-Adressen an Google senden (DSGVO).
   Segoe UI ist die Schrift der Anzeigen, auf Apple/Android greift die Systemschrift. */

:root {
  --navy: #0A1B34;
  --navy-deep: #102544;
  --navy-overlay: rgba(12, 22, 40, .9);
  --gold: #EAB24C;
  --gold-deep: #C48B31;
  --cream: #F0E9DC;
  --gold-hover: #F0C46E;
  --coral: #FF8A7A;
  --white: #FFFFFF;
  --text-secondary: rgba(255, 255, 255, .86);
  --text-muted: rgba(255, 255, 255, .72);
  --glass-bg: rgba(255, 255, 255, .06);
  --glass-border: rgba(255, 255, 255, .14);
  --pill-bg: rgba(255, 255, 255, .10);
  --pill-border: rgba(255, 255, 255, .26);
  --surface-light: #F5F6F8;
  --field: #FFFFFF;
  --field-border: #E0E0E0;
  --text-dark: #1A1A1A;
  --label: #6B6B6B;
  --ok: #3FB37F;
  --check: #EAB24C;
  --no: #FF8A7A;
  --radius-card: 18px;
  --radius-button: 60px;
  --font: "Inter", "Segoe UI", -apple-system, BlinkMacSystemFont, "SF Pro Text", Roboto, "Helvetica Neue", Arial, sans-serif;
  --shadow-card: 0 1px 2px rgba(0, 0, 0, .2), 0 24px 60px -12px rgba(0, 0, 0, .55);
  --max: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button { font: inherit; color: inherit; }
h1, h2, h3 { margin: 0; line-height: 1.12; letter-spacing: -.02em; text-wrap: balance; }
p { margin: 0; }
.num { font-variant-numeric: tabular-nums; letter-spacing: -.02em; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 6px; }

.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* ------------------------------------------------------------ Kopf */
.topbar { position: absolute; inset: 0 0 auto 0; z-index: 5; }
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; letter-spacing: -.01em; }
.brand-mark {
  width: 30px; height: 30px; border-radius: 9px; background: var(--gold); color: var(--navy-deep);
  display: grid; place-items: center; font-weight: 900; font-size: 15px;
}
.brand small { display: block; font-weight: 500; font-size: 12px; color: var(--text-muted); letter-spacing: .02em; }
.topbar-note { font-size: 13px; color: var(--text-muted); display: none; }
@media (min-width: 760px) { .topbar-note { display: block; } }

/* ------------------------------------------------------------ Hero */
.hero { position: relative; isolation: isolate; padding: 88px 0 56px; overflow: hidden; }
.hero-bg {
  position: absolute; inset: 0; z-index: -1;
  background-size: cover; background-position: 70% 100%;
  opacity: .55;
  mask-image: linear-gradient(180deg, transparent 0%, #000 45%, #000 100%);
  -webkit-mask-image: linear-gradient(180deg, transparent 0%, #000 45%, #000 100%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(900px 500px at 15% 0%, rgba(242, 181, 68, .10), transparent 60%),
    linear-gradient(180deg, rgba(10, 27, 52, .55) 0%, rgba(10, 27, 52, .75) 55%, var(--navy) 100%);
}
/* Mobil: Zahl, dann sofort der Rechner, dann die Hinweise. Desktop: Text links, Rechner rechts. */
.hero-grid { display: grid; gap: 28px; align-items: start; grid-template-areas: "copy" "app" "more"; }
.hero-copy { grid-area: copy; }
.hero .app { grid-area: app; }
.hero-more { grid-area: more; }
.hero-more .hero-honest { margin-top: 0; }
@media (min-width: 980px) {
  .hero { padding: 132px 0 96px; }
  .hero-grid {
    grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); column-gap: 56px; row-gap: 0;
    grid-template-areas: "copy app" "more app"; grid-template-rows: auto 1fr;
  }
  .hero-copy { padding-top: 8px; }
  .hero-more { padding-top: 22px; }
}
.pill {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 7px 15px; border-radius: 999px;
  background: var(--pill-bg); border: 1px solid var(--pill-border);
  font-size: 14px; font-weight: 600; color: var(--white);
}
.pill::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); }
.pill.coral::before { background: var(--coral); }
.hero-number {
  margin-top: 18px;
  font-size: clamp(64px, 15vw, 120px); font-weight: 900; line-height: .95; letter-spacing: -.035em;
  color: var(--gold);
}
.hero-number.coral { color: var(--coral); }
.hero h1 { margin-top: 12px; font-size: clamp(26px, 4.6vw, 40px); font-weight: 800; }
.hero-lead { margin-top: 14px; font-size: 17px; color: var(--text-secondary); max-width: 34em; }
.hero-lead strong { color: var(--white); }
.hero-honest {
  margin-top: 22px; padding: 16px 18px; border-radius: 14px;
  background: var(--glass-bg); border: 1px solid var(--glass-border);
  font-size: 16px; color: var(--text-secondary); max-width: 34em;
}
.hero-honest b { color: var(--gold); }
.hero-foot { margin-top: 18px; font-size: 13.5px; line-height: 1.5; color: var(--text-muted); max-width: 40em; }
.hero-cta { margin-top: 26px; }
@media (min-width: 980px) { .hero-cta { display: none; } }
.ki-tag {
  position: absolute; right: 16px; bottom: 12px; font-size: 11px; color: rgba(255, 255, 255, .55);
}

/* ------------------------------------------------------------ Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 56px; padding: 0 28px; border: 0; border-radius: var(--radius-button);
  background: var(--gold); color: var(--navy-deep);
  font-weight: 800; font-size: 17px; text-decoration: none; cursor: pointer;
  transition: background .15s, transform .15s, box-shadow .15s;
  box-shadow: 0 10px 28px -10px rgba(242, 181, 68, .55);
}
.btn:hover { background: var(--gold-hover); transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn[disabled] { opacity: .55; cursor: wait; transform: none; }
.btn.block { width: 100%; }
.btn .arrow { transition: transform .15s; }
.btn:hover .arrow { transform: translateX(3px); }
.link-btn {
  background: none; border: 0; padding: 8px 0; cursor: pointer;
  color: var(--label); font-size: 15px; font-weight: 600; text-decoration: underline; text-underline-offset: 3px;
}

/* ------------------------------------------------------------ Rechner-Karte (heller Bereich) */
.app {
  position: relative; scroll-margin-top: 16px;
  background: var(--surface-light); color: var(--text-dark);
  border-radius: 22px; box-shadow: var(--shadow-card);
  overflow: hidden;
}
.app-head { padding: 22px 22px 0; }
@media (min-width: 520px) { .app-head { padding: 26px 28px 0; } }
.app-title { font-size: 21px; font-weight: 800; color: var(--navy-deep); letter-spacing: -.015em; }
.app-sub { font-size: 14.5px; color: var(--label); margin-top: 2px; }
.steps { display: flex; gap: 6px; margin-top: 16px; }
.steps i { flex: 1; height: 4px; border-radius: 4px; background: #E3E5EA; transition: background .25s; }
.steps i.on { background: var(--gold); }
.steps-label { display: flex; justify-content: space-between; margin-top: 7px; font-size: 12px; color: #8A8F98; font-weight: 600; }
.steps-label span.on { color: var(--navy-deep); }

.screen { padding: 20px 22px 24px; display: none; animation: fade .28s ease; }
@media (min-width: 520px) { .screen { padding: 22px 28px 28px; } }
.screen.active { display: block; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .screen { animation: none; } html { scroll-behavior: auto; } }

.field { margin-bottom: 14px; }
.field-box {
  position: relative; display: block;
  background: var(--field); border: 1px solid var(--field-border); border-radius: 14px;
  padding: 10px 14px 10px; transition: border-color .15s, box-shadow .15s;
}
.field-box:focus-within { border-color: var(--gold); box-shadow: 0 0 0 1px var(--gold); }
.field-box label, .field-label { display: block; font-size: 13px; color: var(--label); font-weight: 600; }
.field-row { display: flex; align-items: baseline; gap: 6px; }
.field-box input[type="text"], .field-box input[type="tel"], .field-box input[type="email"], .field-box input[inputmode] {
  width: 100%; border: 0; outline: 0; background: transparent; padding: 2px 0 0;
  font: inherit; font-size: 20px; font-weight: 800; color: var(--text-dark); font-variant-numeric: tabular-nums;
}
.field-box .unit { font-size: 18px; font-weight: 800; color: var(--text-dark); }
.field-hint { font-size: 13px; color: var(--label); margin-top: 4px; }
.field-hint b { color: var(--text-dark); font-weight: 700; }
.field-box.invalid { border-color: #D9534F; box-shadow: 0 0 0 1px #D9534F; }

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 22px; margin: 6px 0 0; background: transparent; cursor: pointer;
}
input[type="range"]::-webkit-slider-runnable-track { height: 5px; border-radius: 5px; background: linear-gradient(90deg, var(--gold) var(--p, 50%), #E3E5EA var(--p, 50%)); }
input[type="range"]::-moz-range-track { height: 5px; border-radius: 5px; background: #E3E5EA; }
input[type="range"]::-moz-range-progress { height: 5px; border-radius: 5px; background: var(--gold); }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px; margin-top: -9.5px; border-radius: 50%;
  background: var(--white); border: 3px solid var(--gold); box-shadow: 0 2px 6px rgba(0, 0, 0, .18);
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%; background: var(--white); border: 3px solid var(--gold);
}

.seg { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px; margin-top: 8px; }
.seg button {
  border: 1px solid var(--field-border); background: var(--field); border-radius: 12px;
  padding: 9px 6px; font-size: 13.5px; font-weight: 700; color: var(--text-dark); cursor: pointer; line-height: 1.25;
}
.seg button[aria-pressed="true"] { border-color: var(--gold); box-shadow: 0 0 0 1px var(--gold); background: #FFF9EC; }
.seg-note { font-size: 12.5px; color: var(--label); margin-top: 6px; }

.result {
  margin-top: 6px; border-radius: 16px; background: var(--navy-deep); color: var(--white);
  padding: 18px 20px;
}
.result-label { font-size: 13.5px; color: var(--text-muted); }
.result-value { font-size: 44px; font-weight: 900; color: var(--gold); line-height: 1.05; margin-top: 2px; }
.result-value.coral { color: var(--coral); }
.result-sub { font-size: 14px; color: var(--text-secondary); margin-top: 6px; }
.result-sub b { color: var(--white); }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 14px; }
.result-grid div { background: rgba(255, 255, 255, .06); border-radius: 12px; padding: 10px 12px; }
.result-grid span { display: block; font-size: 12px; color: var(--text-muted); }
.result-grid strong { font-size: 18px; font-weight: 800; }

.details { margin-top: 12px; font-size: 14px; }
.details summary { cursor: pointer; font-weight: 700; color: var(--navy-deep); list-style: none; padding: 6px 0; }
.details summary::-webkit-details-marker { display: none; }
.details summary::after { content: " +"; color: var(--gold); font-weight: 900; }
.details[open] summary::after { content: " –"; }
.calc-table { width: 100%; border-collapse: collapse; margin-top: 4px; }
.calc-table td { padding: 7px 0; border-bottom: 1px solid #E6E8EC; font-variant-numeric: tabular-nums; }
.calc-table td:last-child { text-align: right; font-weight: 700; white-space: nowrap; }
.calc-table tr.total td { border-bottom: 0; font-weight: 800; color: var(--navy-deep); }
.calc-note { font-size: 12.5px; color: var(--label); margin-top: 10px; line-height: 1.5; }

.app-cta { margin-top: 18px; }
.app-legal { font-size: 12.5px; color: var(--label); margin-top: 12px; line-height: 1.5; text-align: center; }

/* Quiz */
.q-count { font-size: 13px; font-weight: 700; color: var(--label); letter-spacing: .04em; text-transform: uppercase; }
.q-title { font-size: 22px; font-weight: 800; color: var(--navy-deep); margin-top: 6px; letter-spacing: -.015em; line-height: 1.25; }
.q-help { font-size: 14.5px; color: var(--label); margin-top: 6px; }
.options { display: grid; gap: 10px; margin-top: 18px; }
.option {
  display: flex; align-items: center; justify-content: space-between; gap: 12px; text-align: left;
  width: 100%; min-height: 58px; padding: 12px 16px;
  background: var(--field); border: 1px solid var(--field-border); border-radius: 14px;
  font-size: 16.5px; font-weight: 700; color: var(--text-dark); cursor: pointer;
  transition: border-color .15s, box-shadow .15s, transform .1s;
}
.option::after { content: "→"; color: #B7BBC3; font-weight: 800; transition: transform .15s, color .15s; }
.option:hover { border-color: var(--gold); }
.option:hover::after { color: var(--gold); transform: translateX(3px); }
.option.selected { border-color: var(--gold); box-shadow: 0 0 0 1px var(--gold); background: #FFF9EC; }
.q-back { margin-top: 14px; }

/* Weiche */
.verdict { display: flex; gap: 14px; align-items: flex-start; }
.verdict-dot { flex: none; width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; font-weight: 900; font-size: 20px; color: var(--white); }
.verdict-dot.ok { background: var(--ok); }
.verdict-dot.check { background: var(--check); color: var(--navy-deep); }
.verdict-dot.no { background: var(--no); color: var(--navy-deep); }
.verdict h3 { font-size: 21px; font-weight: 800; color: var(--navy-deep); }
.verdict p { font-size: 15.5px; color: #3D424A; margin-top: 6px; }
.verdict-list { margin: 14px 0 0; padding: 0; list-style: none; font-size: 15px; color: #3D424A; }
.verdict-list li { padding: 8px 0 8px 26px; position: relative; border-top: 1px solid #E6E8EC; }
.verdict-list li::before { content: "✓"; position: absolute; left: 2px; color: var(--ok); font-weight: 900; }

/* Kontaktformular */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.form-grid .full { grid-column: 1 / -1; }
.form-grid .field { margin: 0; }
.form-grid .field-box input { font-size: 17px; font-weight: 600; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 8px; }
.chip {
  border: 1px solid var(--field-border); background: var(--field); border-radius: 999px;
  padding: 8px 14px; font-size: 14.5px; font-weight: 600; cursor: pointer; color: var(--text-dark);
}
.chip[aria-pressed="true"] { border-color: var(--gold); background: #FFF9EC; box-shadow: 0 0 0 1px var(--gold); }
.consent { display: flex; gap: 12px; align-items: flex-start; margin-top: 16px; font-size: 14px; line-height: 1.5; color: #3D424A; cursor: pointer; }
.consent input { flex: none; width: 22px; height: 22px; margin: 1px 0 0; accent-color: var(--navy-deep); cursor: pointer; }
.consent a { color: var(--navy-deep); font-weight: 600; }
.form-error { display: none; margin-top: 14px; padding: 10px 14px; border-radius: 10px; background: #FDEDEB; color: #9B2C20; font-size: 14.5px; }
.form-error.show { display: block; }
.privacy-note { font-size: 12.5px; color: var(--label); margin-top: 12px; line-height: 1.5; }
.privacy-note a { color: inherit; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ------------------------------------------------------------ Inhalt auf Navy */
.section { padding: 72px 0; position: relative; }
@media (min-width: 980px) { .section { padding: 104px 0; } }
.section + .section { border-top: 1px solid rgba(255, 255, 255, .06); }
.eyebrow { font-size: 13px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }
.section h2 { font-size: clamp(30px, 4.4vw, 46px); font-weight: 900; margin-top: 10px; max-width: 18em; }
.section-lead { margin-top: 14px; font-size: 18px; color: var(--text-secondary); max-width: 38em; }

.glass {
  background: var(--glass-bg); border: 1px solid var(--glass-border); border-radius: var(--radius-card);
  padding: 22px;
}
.cards { display: grid; gap: 14px; margin-top: 36px; }
@media (min-width: 820px) { .cards.three { grid-template-columns: repeat(3, 1fr); } .cards.two { grid-template-columns: repeat(2, 1fr); } }
.step-card { position: relative; }
.step-no {
  width: 36px; height: 36px; border-radius: 50%; background: var(--gold); color: var(--navy-deep);
  display: grid; place-items: center; font-weight: 900; font-size: 16px;
}
.step-card h3 { font-size: 18px; font-weight: 700; margin-top: 16px; color: var(--text-secondary); }
.step-card .big { font-size: 32px; font-weight: 900; margin-top: 6px; color: var(--white); }
.step-card .big em { font-style: normal; color: var(--gold); }
.step-card p { font-size: 15px; color: var(--text-muted); margin-top: 8px; }

/* Wasserfall "Ehrlich gerechnet" */
.split { display: grid; gap: 28px; margin-top: 36px; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; } }
.flow { display: grid; gap: 8px; }
.flow-row { display: grid; grid-template-columns: 1fr auto; gap: 12px; align-items: center; padding: 14px 18px; border-radius: 14px; background: var(--glass-bg); border: 1px solid var(--glass-border); }
.flow-row span { color: var(--text-secondary); font-size: 16px; }
.flow-row small { display: block; color: var(--text-muted); font-size: 13px; }
.flow-row strong { font-size: 20px; font-weight: 800; font-variant-numeric: tabular-nums; }
.flow-row.plus strong { color: var(--white); }
.flow-row.minus strong { color: var(--coral); }
.flow-row.gold strong { color: var(--gold); }
.flow-row.total { background: var(--navy-deep); border-color: rgba(242, 181, 68, .45); }
.flow-row.total span { color: var(--white); font-weight: 700; }

.chart-card h3 { font-size: 17px; font-weight: 700; }
.chart-card p { font-size: 14px; color: var(--text-muted); margin-top: 4px; }
.chart { margin-top: 16px; }
.legend { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 12px; font-size: 13.5px; color: var(--text-secondary); }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: 0; }

.meter { margin-top: 22px; }
.meter-bar { height: 14px; border-radius: 14px; background: rgba(255, 138, 122, .28); overflow: hidden; }
.meter-bar i { display: block; height: 100%; background: var(--gold); border-radius: 14px; transition: width .4s ease; }
.meter-caption { display: flex; justify-content: space-between; font-size: 13.5px; color: var(--text-muted); margin-top: 8px; }

/* Rentenbalken */
.bars { display: grid; gap: 14px; margin-top: 8px; }
.bar-row .bar-top { display: flex; justify-content: space-between; font-size: 15px; color: var(--text-secondary); }
.bar-row .bar-top strong { color: var(--white); font-variant-numeric: tabular-nums; }
.bar-track { height: 12px; border-radius: 12px; background: rgba(255, 255, 255, .07); margin-top: 7px; overflow: hidden; }
.bar-track i { display: block; height: 100%; border-radius: 12px; background: rgba(255, 255, 255, .55); transition: width .4s ease; }
.bar-track i.gold { background: var(--gold); }
.bar-track i.coral { background: var(--coral); }

/* Personen */
.people { display: grid; gap: 14px; margin-top: 28px; }
@media (min-width: 640px) { .people { grid-template-columns: 1fr 1fr; } }
.person { display: flex; gap: 14px; align-items: center; }
.avatar {
  flex: none; width: 60px; height: 60px; border-radius: 50%; overflow: hidden;
  background: var(--navy-deep); border: 1px solid var(--glass-border); display: grid; place-items: center;
  font-weight: 800; color: var(--gold); font-size: 20px;
}
.avatar img { width: 100%; height: 100%; object-fit: cover; }
.person strong { display: block; font-size: 17px; }
.person span { font-size: 14.5px; color: var(--text-muted); }

.timeline { display: grid; gap: 14px; margin-top: 36px; counter-reset: t; }
@media (min-width: 820px) { .timeline { grid-template-columns: repeat(3, 1fr); } }
.timeline .glass h3 { font-size: 18px; font-weight: 800; margin-top: 14px; }
.timeline .glass p { font-size: 15px; color: var(--text-muted); margin-top: 6px; }

/* FAQ */
.faq { margin-top: 32px; display: grid; gap: 10px; max-width: 820px; }
.faq details { background: var(--glass-bg); border: 1px solid var(--glass-border); border-radius: 14px; }
.faq summary {
  cursor: pointer; list-style: none; padding: 18px 52px 18px 20px; font-weight: 700; font-size: 17px; position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); color: var(--gold); font-size: 24px; font-weight: 700; }
.faq details[open] summary::after { content: "–"; }
.faq .a { padding: 0 20px 18px; color: var(--text-secondary); font-size: 16px; }
.faq .a p + p { margin-top: 10px; }

/* Risiko */
.risk { margin-top: 28px; display: grid; gap: 10px; }
@media (min-width: 760px) { .risk { grid-template-columns: 1fr 1fr; } }
.risk li { list-style: none; }
.risk-list { margin: 0; padding: 0; }
.risk-item { padding: 16px 18px; border-left: 3px solid var(--coral); background: var(--glass-bg); border-radius: 0 12px 12px 0; }
.risk-item strong { display: block; font-size: 16px; }
.risk-item span { font-size: 14.5px; color: var(--text-muted); }

/* Schluss-CTA */
.final { text-align: center; }
.final h2 { margin-left: auto; margin-right: auto; }
.final .section-lead { margin-left: auto; margin-right: auto; }
.final .btn { margin-top: 28px; }

/* ------------------------------------------------------------ Fuß */
.footer { padding: 40px 0 110px; border-top: 1px solid rgba(255, 255, 255, .08); color: var(--text-muted); font-size: 14px; }
@media (min-width: 980px) { .footer { padding-bottom: 48px; } }
.footer .wrap { display: grid; gap: 16px; }
.footer nav { display: flex; flex-wrap: wrap; gap: 8px 20px; }
.footer nav a, .footer nav button { color: var(--text-secondary); text-decoration: none; background: none; border: 0; padding: 0; cursor: pointer; font-size: 14px; }
.footer nav a:hover, .footer nav button:hover { color: var(--gold); }
.footer p { max-width: 60em; line-height: 1.55; }

/* Mobile Sticky-CTA */
.sticky {
  position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 40;
  transform: translateY(140%); transition: transform .3s ease;
}
.sticky.show { transform: none; }
.sticky .btn { width: 100%; box-shadow: 0 12px 30px -6px rgba(0, 0, 0, .6); }
@media (min-width: 980px) { .sticky { display: none; } }

/* ------------------------------------------------------------ Cookie-Banner */
.consent-bar {
  position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 60; display: none;
  max-width: 560px; margin: 0 auto;
  background: var(--white); color: var(--text-dark); border-radius: 18px; padding: 20px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, .5);
}
.consent-bar.show { display: block; }
.consent-bar h2 { font-size: 17px; font-weight: 800; letter-spacing: 0; }
.consent-bar p { font-size: 14px; color: #3D424A; margin-top: 6px; line-height: 1.5; }
.consent-bar a { color: var(--navy-deep); font-weight: 600; }
.consent-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 14px; }
.consent-actions button {
  min-height: 46px; border-radius: var(--radius-button); font-weight: 700; font-size: 15px; cursor: pointer;
  border: 1px solid var(--navy-deep); background: var(--white); color: var(--navy-deep);
}
.consent-actions button.primary { background: var(--navy-deep); color: var(--white); }

/* ------------------------------------------------------------ Rechtstexte */
.legal { padding: 120px 0 64px; }
.legal .wrap { max-width: 820px; }
.legal h1 { font-size: clamp(32px, 5vw, 44px); font-weight: 900; }
.legal h2 { font-size: 21px; font-weight: 800; margin-top: 36px; }
.legal h3 { font-size: 17px; font-weight: 700; margin-top: 20px; }
.legal p, .legal li { color: var(--text-secondary); font-size: 16px; margin-top: 10px; }
.legal ul { padding-left: 20px; }
.legal .todo { color: var(--gold); }

/* Auswahl-Startseite */
.chooser { display: grid; gap: 16px; margin-top: 36px; }
@media (min-width: 760px) { .chooser { grid-template-columns: 1fr 1fr; } }
.chooser a { text-decoration: none; transition: border-color .15s, transform .15s; }
.chooser a:hover { border-color: var(--gold); transform: translateY(-2px); }
.chooser .big { font-size: 44px; font-weight: 900; margin-top: 14px; }

/* ------------------------------------------------------------ Gesperrte Kacheln und persönliche Rechnung (seit 28.09.) */
.result-grid.locked strong { filter: blur(7px); user-select: none; opacity: .85; }
.lock-note { display: flex; align-items: center; gap: 8px; margin-top: 12px; font-size: 13px; color: var(--text-muted); }
.lock { width: 12px; height: 10px; border: 2px solid var(--gold); border-radius: 2px; position: relative; flex: none; margin-top: 4px; }
.lock::before { content: ""; position: absolute; left: 1px; top: -8px; width: 6px; height: 7px; border: 2px solid var(--gold); border-bottom: 0; border-radius: 5px 5px 0 0; }
.fineprint { font-size: 12px; line-height: 1.5; color: var(--label); margin-top: 10px; text-align: center; }
.fineprint a { color: inherit; }
.full-calc { margin-top: 16px; display: grid; gap: 10px; }
.full-hero { background: var(--navy-deep); color: var(--white); border-radius: 16px; padding: 16px 18px; }
.full-hero span { display: block; font-size: 13px; color: var(--text-muted); }
.full-hero strong { font-size: 34px; font-weight: 900; color: var(--gold); letter-spacing: -.02em; }
.full-hero strong.coral { color: var(--coral); }
.full-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.full-grid div { background: var(--field); border: 1px solid var(--field-border); border-radius: 12px; padding: 10px 12px; }
.full-grid span { display: block; font-size: 12px; color: var(--label); line-height: 1.35; }
.full-grid strong { font-size: 19px; font-weight: 800; color: var(--text-dark); font-variant-numeric: tabular-nums; }
.full-table { width: 100%; border-collapse: collapse; font-size: 13.5px; font-variant-numeric: tabular-nums; }
.full-table th { text-align: right; font-size: 11.5px; color: var(--label); font-weight: 600; padding: 4px 0; }
.full-table th:first-child, .full-table td:first-child { text-align: left; }
.full-table td { text-align: right; padding: 5px 0; border-top: 1px solid #E6E8EC; }
.next-box { margin-top: 16px; border-radius: 14px; padding: 14px 16px; background: var(--field); border: 1px solid var(--field-border); border-left: 4px solid var(--check); }
.next-box.ok { border-left-color: var(--ok); }
.next-box.no { border-left-color: var(--no); }
.next-box strong { color: var(--navy-deep); }
.next-box p { font-size: 14.5px; color: #3D424A; margin-top: 4px; }

/* ------------------------------------------------------------ Seit Call 05.10.2026: Plus nach 10 Jahren, Factsheet */
.brand-logo { width: 40px; height: 40px; border-radius: 50%; display: block; flex: none; }
.kicker { margin-top: 18px; font-size: clamp(19px, 2.4vw, 24px); font-weight: 800; line-height: 1.25; color: var(--white); }
.kicker b { color: var(--gold); }
.ein-aus { display: grid; gap: 6px; margin-top: 14px; }
.ein-aus > div { display: grid; grid-template-columns: 1fr auto; gap: 10px; align-items: center; background: rgba(255, 255, 255, .06); border-radius: 12px; padding: 9px 12px; }
.ein-aus span { font-size: 13.5px; color: var(--text-secondary); line-height: 1.3; }
.ein-aus small { display: block; font-size: 11.5px; color: var(--text-muted); }
.ein-aus strong { font-size: 17px; font-weight: 800; white-space: nowrap; }
.ein-aus .gold strong { color: var(--gold); }
.result-alt { font-size: 13px; color: var(--text-muted); margin-top: 10px; }
.result-alt b { color: var(--white); }
.szenarien { display: grid; gap: 14px; margin-top: 32px; }
@media (min-width: 760px) { .szenarien { grid-template-columns: repeat(3, 1fr); } }
.szenario span { display: block; font-size: 13px; color: var(--text-muted); text-transform: uppercase; letter-spacing: .06em; }
.szenario b { display: block; font-size: 17px; margin-top: 4px; }
.szenario strong { display: block; font-size: 38px; font-weight: 900; color: var(--gold); margin-top: 8px; }
.szenario.neg strong { color: var(--coral); }
/* Kontaktformular: Erreichbarkeit */
.reach { margin-top: 12px; }
.reach small { font-weight: 500; }
.reach-chips { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 6px; }
.reach-chips label { cursor: pointer; }
.reach-chips input { position: absolute; opacity: 0; pointer-events: none; }
.reach-chips span { display: inline-block; padding: 7px 12px; border-radius: 999px; border: 1px solid var(--field-border); background: var(--field); font-size: 13px; font-weight: 600; color: var(--text-dark); }
.reach-chips input:checked + span { border-color: var(--gold); box-shadow: 0 0 0 1px var(--gold); background: #FFF9EC; }
.reach-chips input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }
/* Danke-Seite */
.danke { display: grid; gap: 10px; margin-top: 14px; }
.danke-video video { width: 100%; border-radius: 14px; background: #000; }
.btn.ghost { background: transparent; color: var(--navy-deep); border: 2px solid var(--navy-deep); box-shadow: none; }
.placeholder { border: 2px dashed #C9CDD4; border-radius: 14px; padding: 14px; font-size: 13.5px; color: var(--label); text-align: center; }
.placeholder.video { aspect-ratio: 16 / 9; display: grid; place-items: center; font-weight: 700; }
.hero-number.plus { white-space: nowrap; font-size: clamp(52px, 9.5vw, 96px); }
/* Steuer-Hero im Wording der Anzeige (06.10.) */
.hero h1.hero-head { margin-top: 18px; font-size: clamp(36px, 5.6vw, 60px); font-weight: 900; line-height: 1.02; }
.hero-head em { font-style: normal; color: var(--gold); }
.hero-box { display: inline-block; margin-top: 16px; padding: 8px 16px; border-radius: 8px; background: var(--gold); color: var(--navy-deep); font-weight: 800; font-size: clamp(18px, 2.2vw, 24px); line-height: 1.3; }
.hero-box b { font-weight: 900; }
.hero-sub { margin-top: 10px; font-size: 17px; color: var(--text-secondary); max-width: 32em; }
.hero-sub em { font-style: normal; color: var(--gold); font-weight: 800; }
.hero-bars { list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 6px; justify-items: start; }
.hero-bars li { background: rgba(255, 255, 255, .92); color: var(--navy-deep); font-weight: 800; font-size: 15px; padding: 6px 14px; border-radius: 8px; border-left: 5px solid var(--gold); }
.hero-sub b { color: var(--white); }

/* Emblem-Look: Überschriften in Creme wie die Schrift im Emblem, Goldkante an Logo */
.hero h1.hero-head { color: var(--cream); }
.brand-logo { box-shadow: 0 0 0 1px rgba(234, 178, 76, .35); }

/* ------------------------------------------------------------ Rechner nach Stefans Ablauf (07.10.2026) */
.seg.two { grid-template-columns: repeat(2, 1fr); }
.seg.four { grid-template-columns: repeat(2, 1fr); }
@media (min-width: 520px) { .seg.four { grid-template-columns: repeat(4, 1fr); } }
.result-value small { font-size: 17px; font-weight: 700; color: var(--text-secondary); }
.lines { margin-top: 12px; background: var(--field); border: 1px solid var(--field-border); border-radius: 14px; padding: 12px 14px; }
.lines-title { font-size: 12.5px; font-weight: 700; color: var(--label); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 4px; }
.line { display: grid; grid-template-columns: 1fr auto; gap: 10px; padding: 6px 0; border-bottom: 1px solid #ECEEF2; font-size: 15px; color: var(--text-dark); }
.line strong { font-variant-numeric: tabular-nums; white-space: nowrap; }
.line .pos { color: #1E7F52; }
.line .neg { color: #B8473A; }
.line.total { border-bottom: 0; font-weight: 800; }
.lines-note { font-size: 13px; color: var(--label); margin-top: 6px; }
.teaser { display: grid; grid-template-columns: 92px 1fr; gap: 14px; align-items: center; margin-top: 16px; padding: 14px; border-radius: 14px; background: #FFF9EC; border: 1px solid #F1DDB0; }
.teaser-cover { position: relative; aspect-ratio: 3 / 4; max-width: 100%; border-radius: 6px; background: var(--navy); padding: 8px; display: flex; flex-direction: column; gap: 3px; box-shadow: 0 8px 18px -8px rgba(10, 27, 52, .6); transform: rotate(-3deg); }
.teaser-cover img { width: 26px; height: 26px; border-radius: 50%; }
.teaser-cover b { color: var(--gold); font-size: 11px; line-height: 1.1; margin-top: 2px; }
.teaser-cover span { color: var(--cream); font-size: 9.5px; line-height: 1.15; font-weight: 700; }
.teaser-cover i { display: block; height: 3px; border-radius: 2px; background: rgba(255, 255, 255, .25); margin-top: 3px; }
.teaser-cover i:nth-of-type(2) { width: 80%; } .teaser-cover i:nth-of-type(3) { width: 60%; }
.teaser-text strong { display: block; font-size: 15.5px; color: var(--navy-deep); line-height: 1.3; }
.teaser-text ul { margin: 6px 0 0; padding-left: 18px; font-size: 14px; color: #3D424A; }
.chip-q { border: 0; padding: 0; margin: 0 0 14px; border-radius: 12px; }
.chip-q legend { font-size: 14px; font-weight: 700; color: var(--navy-deep); padding: 0; margin-bottom: 6px; }
.chip-q.invalid legend { color: #D9534F; }
.chip-row { display: flex; flex-wrap: wrap; gap: 6px; }
.chip-row label { cursor: pointer; position: relative; }
.chip-row input { position: absolute; opacity: 0; pointer-events: none; }
.chip-row span { display: inline-block; padding: 9px 14px; border-radius: 999px; border: 1px solid var(--field-border); background: var(--field); font-size: 14px; font-weight: 600; color: var(--text-dark); }
.chip-row input:checked + span { border-color: var(--gold); box-shadow: 0 0 0 1px var(--gold); background: #FFF9EC; }
.chip-row input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }
.screen .form-grid { margin-top: 4px; }
.how { list-style: none; margin: 32px 0 0; padding: 0; display: grid; gap: 14px; counter-reset: h; }
@media (min-width: 820px) { .how { grid-template-columns: repeat(3, 1fr); } }
.how li { counter-increment: h; background: var(--glass-bg); border: 1px solid var(--glass-border); border-radius: var(--radius-card); padding: 20px; display: grid; gap: 6px; }
.how li::before { content: counter(h); width: 34px; height: 34px; border-radius: 50%; background: var(--gold); color: var(--navy-deep); display: grid; place-items: center; font-weight: 900; }
.how b { font-size: 19px; color: var(--cream); }
.how span { color: var(--text-muted); font-size: 15.5px; }
/* Lösungsschritte im Rentenrechner (helle Karte) */
.app-how { list-style: none; margin: 14px 0 0; padding: 0; display: grid; gap: 12px; counter-reset: h; }
.app-how li { counter-increment: h; display: grid; grid-template-columns: 28px 1fr; column-gap: 12px; }
.app-how li::before { content: counter(h); grid-row: span 2; width: 28px; height: 28px; border-radius: 50%; background: var(--gold); color: var(--navy-deep); display: grid; place-items: center; font-weight: 900; font-size: 14px; }
.app-how b { font-size: 15.5px; color: var(--navy-deep); line-height: 1.35; }
.app-how span { font-size: 14px; color: var(--label); }
.objections { display: grid; gap: 14px; margin-top: 30px; }
@media (min-width: 820px) { .objections { grid-template-columns: repeat(3, 1fr); } }
.objections div { border-left: 3px solid var(--gold); padding: 4px 0 4px 16px; }
.objections b { display: block; font-size: 18px; color: var(--cream); }
.objections p { color: var(--text-muted); font-size: 15.5px; margin-top: 6px; }
/* Danke-Seite */
.danke-hero { padding: 120px 0 40px; }
.danke-hero h1 { font-size: clamp(30px, 5vw, 46px); font-weight: 900; color: var(--cream); }
.danke-hero .lead { color: var(--text-secondary); margin-top: 12px; max-width: 36em; font-size: 18px; }
.danke-grid { display: grid; gap: 22px; margin-top: 28px; }
@media (min-width: 900px) { .danke-grid { grid-template-columns: 1.1fr .9fr; align-items: start; } }
.danke-card { background: var(--surface-light); color: var(--text-dark); border-radius: 22px; padding: 22px; box-shadow: var(--shadow-card); }
.danke-card h2 { font-size: 20px; color: var(--navy-deep); }
.danke-side { display: grid; gap: 14px; }
.danke-next { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; counter-reset: n; }
.danke-next li { counter-increment: n; display: grid; grid-template-columns: 30px 1fr; gap: 10px; color: var(--text-secondary); }
.danke-next li::before { content: counter(n); width: 30px; height: 30px; border-radius: 50%; background: var(--gold); color: var(--navy-deep); display: grid; place-items: center; font-weight: 900; }
.danke-next b { color: var(--cream); display: block; }
.bridge { margin-top: 12px; font-size: 15px; font-weight: 600; color: var(--navy-deep); }
.danke-side .glass b { color: var(--cream); }
.danke-side .danke-next li { color: var(--text-muted); }
.danke-side .placeholder { color: var(--text-muted); border-color: rgba(255,255,255,.25); }
.danke-video video { width: 100%; border-radius: 14px; background: #000; }
.screen form { margin-top: 14px; }
@media (max-width: 420px) { .result-value { font-size: 38px; } }

/* ------------------------------------------------------------ Stefans Rechner 1:1 (08.10.2026) */
.steps.four, .steps-label.four { grid-template-columns: repeat(4, 1fr); }
.calc-hint { font-size: 13.5px; color: var(--label); line-height: 1.5; margin-top: 12px; }
.tiles2 { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 12px; }
.tiles2 > div { background: var(--field); border: 1px solid var(--field-border); border-radius: 12px; padding: 10px 12px; }
.tiles2 strong { display: block; font-size: 18px; font-weight: 800; color: var(--navy-deep); }
.tiles2 span { display: block; font-size: 12px; color: var(--label); line-height: 1.3; }
.wealth { margin-top: 12px; text-align: center; background: var(--navy-deep); border-radius: 14px; padding: 14px; }
.wealth strong { display: block; font-size: 34px; font-weight: 900; color: var(--gold); letter-spacing: -.02em; }
.wealth span { display: block; font-size: 13px; color: var(--text-muted); margin-top: 2px; }
.wealth.small strong { font-size: 24px; }
.cover { display: grid; gap: 10px; margin-top: 12px; }
.cover-top { display: flex; justify-content: space-between; gap: 10px; font-size: 13px; color: var(--text-dark); }
.cover-top b { white-space: nowrap; }
.cover-track { height: 10px; border-radius: 6px; background: #E6E8EC; overflow: hidden; margin-top: 4px; }
.cover-track i { display: block; height: 100%; background: var(--gold); border-radius: 6px; }
.cover-track i.coral { background: var(--coral); }
.cover-track i.full { background: #3FB37F; }
#v-chart svg { margin-top: 8px; }
.amplify { margin-top: 12px; padding: 12px 14px; border-radius: 12px; background: #FFF1EE; border: 1px solid #F6C9C1; color: #8A2E22; font-weight: 700; font-size: 15.5px; line-height: 1.4; }
@media (max-width: 979px) { .hero .hero-head { font-size: clamp(30px, 8vw, 40px); } .hero-grid { gap: 20px; } }
.amplify.gold { background: #FFF6E3; border-color: #F1DDB0; color: #7A5208; }