/* ==========================================================================
   mybkv.de - Design-System
   Ein Stylesheet, keine Frameworks, keine Webfonts. Reihenfolge:
   Tokens, Reset, Layout, Typografie, Komponenten, Utilities.
   ========================================================================== */

:root {
  /* Farben: Blau traegt Serioesitaet, Gruen ist ausschliesslich fuer Aktionen
     reserviert, damit der Blick immer den naechsten Schritt findet. */
  --c-primary: #114b8a;
  --c-primary-dark: #0c3563;
  --c-primary-light: #e8f0fa;
  --c-accent: #0e8f62;
  --c-accent-dark: #0a6e4b;
  --c-accent-light: #e6f5ef;

  --c-text: #16202e;
  --c-text-muted: #55637a;
  --c-bg: #ffffff;
  --c-bg-soft: #f5f8fc;
  --c-bg-dark: #0c2340;
  --c-border: #dde4ee;
  --c-border-strong: #c3cfe0;
  --c-warning-bg: #fdf6e3;
  --c-warning-border: #e8d59a;

  --sp-1: 0.25rem;
  --sp-2: 0.5rem;
  --sp-3: 0.75rem;
  --sp-4: 1rem;
  --sp-5: 1.5rem;
  --sp-6: 2rem;
  --sp-7: 3rem;
  --sp-8: 4rem;
  --sp-9: 6rem;

  --radius: 10px;
  --radius-lg: 16px;
  --radius-pill: 999px;

  --shadow-sm: 0 1px 2px rgba(12, 35, 64, 0.06), 0 1px 3px rgba(12, 35, 64, 0.08);
  --shadow: 0 4px 12px rgba(12, 35, 64, 0.08);
  --shadow-lg: 0 12px 32px rgba(12, 35, 64, 0.12);

  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --wrap: 1140px;
  --wrap-narrow: 760px;
}

*, *::before, *::after { box-sizing: border-box; }

/* Das hidden-Attribut setzt nur display:none aus dem Browser-Standard. Jede
   eigene display-Regel schlaegt das - .note hat display:flex und blieb
   deshalb als leerer Kasten stehen. Diese Zeile macht hidden verlaesslich. */
[hidden] { display: none !important; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--c-text);
  background: var(--c-bg);
  -webkit-font-smoothing: antialiased;
}

img, svg, video { max-width: 100%; height: auto; display: block; }
svg { fill: none; stroke: currentColor; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; }

a { color: var(--c-primary); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--c-primary-dark); }

:focus-visible { outline: 3px solid var(--c-accent); outline-offset: 2px; border-radius: 4px; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--c-primary); color: #fff; padding: var(--sp-3) var(--sp-4);
}
.skip-link:focus { left: 0; }

/* --------------------------------------------------------------- Layout -- */

.wrap { width: min(100% - 2rem, var(--wrap)); margin-inline: auto; }
.wrap--narrow { width: min(100% - 2rem, var(--wrap-narrow)); }

section { padding-block: var(--sp-7); }
@media (min-width: 768px) { section { padding-block: var(--sp-8); } }

.section--soft { background: var(--c-bg-soft); }
.section--dark { background: var(--c-bg-dark); color: #e8eef7; }
.section--dark h2, .section--dark h3 { color: #fff; }
.section--dark a { color: #9ecbff; }

.grid { display: grid; gap: var(--sp-5); }
.grid--2 { grid-template-columns: 1fr; }
.grid--3 { grid-template-columns: 1fr; }
.grid--4 { grid-template-columns: 1fr; }
@media (min-width: 640px) {
  .grid--2 { grid-template-columns: repeat(2, 1fr); }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 900px) {
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
}

/* ----------------------------------------------------------- Typografie -- */

h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 var(--sp-4); font-weight: 700; letter-spacing: -0.015em; color: var(--c-text); }
h1 { font-size: clamp(2rem, 1.4rem + 2.6vw, 3.1rem); letter-spacing: -0.025em; }
h2 { font-size: clamp(1.5rem, 1.15rem + 1.5vw, 2.25rem); margin-top: 0; }
h3 { font-size: clamp(1.2rem, 1.05rem + 0.6vw, 1.45rem); }
h4 { font-size: 1.05rem; }

p { margin: 0 0 var(--sp-4); }
p:last-child { margin-bottom: 0; }

.lead { font-size: clamp(1.1rem, 1rem + 0.5vw, 1.3rem); color: var(--c-text-muted); line-height: 1.55; }
.muted { color: var(--c-text-muted); }
.small { font-size: 0.9rem; }
.center { text-align: center; }

.section-head { max-width: 46rem; margin-bottom: var(--sp-6); }
.section-head--center { margin-inline: auto; text-align: center; }

/* Antwort-zuerst-Block: die Kurzantwort ganz oben auf jeder Inhaltsseite.
   Zahlt auf Featured Snippets und Zitate in KI-Antworten ein. */
.answer {
  background: var(--c-primary-light);
  border-left: 4px solid var(--c-primary);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: var(--sp-5);
  margin-bottom: var(--sp-6);
  font-size: 1.1rem;
}
.answer p:last-child { margin-bottom: 0; }

.prose { max-width: 44rem; }
.prose h2 { margin-top: var(--sp-7); }
.prose h3 { margin-top: var(--sp-6); }
.prose ul, .prose ol { margin: 0 0 var(--sp-4); padding-left: 1.35rem; }
.prose li { margin-bottom: var(--sp-2); }
.prose li::marker { color: var(--c-primary); }

/* ------------------------------------------------------------- Buttons -- */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--sp-2);
  padding: 0.85rem 1.5rem;
  font: inherit; font-weight: 600; line-height: 1.25;
  border: 2px solid transparent; border-radius: var(--radius);
  cursor: pointer; text-decoration: none; text-align: center;
  transition: background-color 0.15s ease, border-color 0.15s ease, transform 0.1s ease;
}
.btn:active { transform: translateY(1px); }
.btn svg { width: 20px; height: 20px; flex: none; }

.btn--primary { background: var(--c-accent); color: #fff; }
.btn--primary:hover { background: var(--c-accent-dark); color: #fff; }

.btn--secondary { background: var(--c-primary); color: #fff; }
.btn--secondary:hover { background: var(--c-primary-dark); color: #fff; }

.btn--ghost { background: transparent; border-color: var(--c-border-strong); color: var(--c-text); }
.btn--ghost:hover { border-color: var(--c-primary); color: var(--c-primary); background: var(--c-primary-light); }

.btn--lg { padding: 1.05rem 2rem; font-size: 1.1rem; }
.btn--sm { padding: 0.55rem 1rem; font-size: 0.95rem; min-height: 44px; }
.btn--block { width: 100%; }

.btn-row { display: flex; flex-wrap: wrap; gap: var(--sp-3); }

/* Risikoabbau direkt unter dem Button - nach Hormozi der Platz mit dem
   groessten Effekt auf die Klickrate. */
.reassure {
  display: flex; flex-wrap: wrap; gap: var(--sp-2) var(--sp-4);
  margin-top: var(--sp-3); padding: 0; list-style: none;
  font-size: 0.9rem; color: var(--c-text-muted);
}
.reassure li { display: flex; align-items: center; gap: var(--sp-2); }
.reassure svg { width: 17px; height: 17px; color: var(--c-accent); flex: none; }

/* -------------------------------------------------------------- Header -- */

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: saturate(160%) blur(8px);
  border-bottom: 1px solid var(--c-border);
}
.site-header__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); min-height: 68px; }

/* min-height 44px: Apple- und WCAG-Richtwert fuer Touch-Ziele. Das Logo
   ist auf jeder Seite der Weg zurueck zur Startseite. */
.logo { display: inline-flex; align-items: center; gap: var(--sp-2); min-height: 44px;
        text-decoration: none; color: var(--c-primary); font-size: 1.3rem; }
.logo__mark { color: var(--c-accent); flex: none; }
.logo__text { font-weight: 500; letter-spacing: -0.02em; color: var(--c-primary-dark); }
.logo__text strong { font-weight: 800; }
.logo--footer { color: #fff; margin-bottom: var(--sp-3); }
.logo--footer .logo__text { color: #fff; }

/* Bildmarke: feste Höhe, Breite ergibt sich - so bleibt die Kopfzeile ruhig,
   egal welche Logofassung eingesetzt wird. */
.logo__bild { height: 38px; width: auto; }
.logo--footer .logo__bild { height: 40px; }
@media (max-width: 480px) { .logo__bild { height: 32px; } }

.nav-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; padding: 0;
  background: none; border: 1px solid var(--c-border-strong); border-radius: var(--radius);
  color: var(--c-text); cursor: pointer;
}
.site-nav { display: none; }

.site-nav a { color: var(--c-text); text-decoration: none; font-weight: 500; }
.site-nav a:hover { color: var(--c-primary); }
.site-nav a[aria-current="page"] { color: var(--c-primary); font-weight: 600; }
.site-nav .btn { color: #fff; }

@media (max-width: 899px) {
  .site-nav[data-open="true"] {
    display: flex; flex-direction: column; align-items: stretch; gap: var(--sp-4);
    position: absolute; left: 0; right: 0; top: 100%;
    padding: var(--sp-5) max(1rem, calc((100vw - var(--wrap)) / 2));
    background: #fff; border-bottom: 1px solid var(--c-border); box-shadow: var(--shadow);
  }
}
@media (min-width: 900px) {
  .nav-toggle { display: none; }
  .site-nav { display: flex; align-items: center; gap: var(--sp-5); }
}

/* ---------------------------------------------------------------- Hero -- */

.hero { padding-block: var(--sp-7) var(--sp-8); background: linear-gradient(175deg, var(--c-primary-light) 0%, #fff 62%); }
.hero__grid { display: grid; gap: var(--sp-6); align-items: center; }
@media (min-width: 900px) { .hero__grid { grid-template-columns: 1.05fr 0.95fr; gap: var(--sp-7); } }

/* Redaktionelle Vorzeile statt der ueblichen Pille mit Rand und Symbol:
   die kennt man aus jedem Baukasten-Template und sie kostet nur Platz,
   ohne etwas zu belegen. Hier traegt sie stattdessen eine nachpruefbare
   Angabe zum Berater. */
.hero__eyebrow {
  display: flex; align-items: center; gap: 0.7rem;
  margin: 0 0 var(--sp-4);
  font-size: 0.88rem; font-weight: 600; letter-spacing: 0.01em;
  color: var(--c-primary);
}
.hero__eyebrow::before {
  content: ""; flex: none; width: 32px; height: 2px; background: var(--c-accent);
}
.hero__eyebrow span { color: var(--c-text-muted); font-weight: 500; }
.hero h1 { margin-bottom: var(--sp-4); }
.hero__sub { font-size: clamp(1.05rem, 1rem + 0.5vw, 1.25rem); color: var(--c-text-muted); margin-bottom: var(--sp-5); max-width: 34rem; }

.hero__media { position: relative; }
.hero__photo { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; object-fit: cover; }

/* Beweis-Karte ueber dem Foto: konkrete, nachpruefbare Zahlen statt Floskeln.
   minmax(0, 1fr) statt 1fr: sonst zwingt ein langes Wort wie
   "Gesundheitspruefung" die Spalte auf ihre Mindestbreite und die ganze
   Seite laeuft auf dem Handy seitlich ueber. */
.hero__proof {
  background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: var(--sp-4);
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--sp-3);
  margin-top: var(--sp-5);
}
.hero__proof div { text-align: center; min-width: 0; }
.hero__proof dt {
  font-size: 0.78rem; color: var(--c-text-muted); order: 2;
  overflow-wrap: anywhere; hyphens: auto;
}
.hero__proof dd {
  margin: 0; font-size: clamp(1.05rem, 0.85rem + 1vw, 1.35rem); font-weight: 700;
  color: var(--c-primary); order: 1; line-height: 1.2; overflow-wrap: anywhere;
}

/* --------------------------------------------------------------- Cards -- */

.card {
  background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius-lg);
  padding: var(--sp-5); box-shadow: var(--shadow-sm);
}
.card--flat { box-shadow: none; }
.card__icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; margin-bottom: var(--sp-3);
  background: var(--c-accent-light); color: var(--c-accent-dark); border-radius: var(--radius);
}
.card__icon svg { width: 24px; height: 24px; }
.card h3 { margin-bottom: var(--sp-2); }
.card p:last-child { margin-bottom: 0; }

/* Nummerierte Schritte - bewusst auf maximal vier begrenzt, weil jeder
   weitere Schritt den empfundenen Aufwand erhoeht.
   Der Abstand nach oben leitet sich aus der Kreisgroesse ab: sonst schiebt
   sich die Ziffer in die Ueberschrift, sobald eine der beiden Groessen
   geaendert wird. */
.steps {
  --step-size: 40px;
  counter-reset: step; list-style: none; padding: 0; margin: 0;
  display: grid; gap: var(--sp-5);
}
@media (min-width: 768px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.steps--4 { grid-template-columns: 1fr; }
@media (min-width: 768px) { .steps--4 { grid-template-columns: repeat(4, 1fr); } }
.steps li {
  counter-increment: step; position: relative;
  padding-top: calc(var(--step-size) + var(--sp-3));
}
.steps li::before {
  content: counter(step);
  position: absolute; top: 0; left: 0;
  width: var(--step-size); height: var(--step-size); border-radius: 50%;
  background: var(--c-primary); color: #fff;
  display: grid; place-items: center; font-weight: 700; font-size: 1.1rem;
}
.steps h3 { font-size: 1.15rem; margin-top: 0; margin-bottom: var(--sp-2); }

/* --------------------------------------------------------- Vergleiche -- */

.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; margin-bottom: var(--sp-4); }
table { width: 100%; border-collapse: collapse; font-size: 0.98rem; min-width: 34rem; }
caption { text-align: left; font-size: 0.9rem; color: var(--c-text-muted); padding-bottom: var(--sp-2); }
th, td { padding: var(--sp-3) var(--sp-4); text-align: left; border-bottom: 1px solid var(--c-border); vertical-align: top; }
thead th { background: var(--c-primary); color: #fff; font-weight: 600; border-bottom: none; }
thead th:first-child { border-top-left-radius: var(--radius); }
thead th:last-child { border-top-right-radius: var(--radius); }
tbody tr:nth-child(even) { background: var(--c-bg-soft); }
td strong { color: var(--c-primary-dark); }
/* Links in Tabellenzellen sind sonst nur so hoch wie die Schrift und auf dem
   Handy kaum zu treffen. Innenabstand statt fester Hoehe, damit die Zeile
   nicht auseinanderfaellt. */
td a { display: inline-block; padding: 0.7rem 0; }

/* Gegenueberstellung zweier Optionen (bKV gegen Gehaltserhoehung o. ae.) */
.versus { display: grid; gap: var(--sp-4); }
@media (min-width: 768px) { .versus { grid-template-columns: 1fr 1fr; } }
.versus__side { border-radius: var(--radius-lg); padding: var(--sp-5); border: 1px solid var(--c-border); }
.versus__side--bad { background: var(--c-bg-soft); }
.versus__side--good { background: var(--c-accent-light); border-color: #bfe3d3; }
.versus__amount { font-size: clamp(1.8rem, 1.4rem + 1.6vw, 2.5rem); font-weight: 800; line-height: 1.1; margin-bottom: var(--sp-1); }
.versus__side--bad .versus__amount { color: var(--c-text-muted); }
.versus__side--good .versus__amount { color: var(--c-accent-dark); }
.versus ul { list-style: none; padding: 0; margin: var(--sp-3) 0 0; }
.versus li { display: flex; gap: var(--sp-2); align-items: flex-start; margin-bottom: var(--sp-2); font-size: 0.95rem; }
.versus li svg { width: 18px; height: 18px; flex: none; margin-top: 3px; }
.versus__side--bad li svg { color: #b0392c; }
.versus__side--good li svg { color: var(--c-accent); }

/* Merkmalslisten mit Haken */
.checks { list-style: none; padding: 0; margin: 0 0 var(--sp-4); }
.checks li { display: flex; gap: var(--sp-3); align-items: flex-start; margin-bottom: var(--sp-3); }
.checks svg { width: 21px; height: 21px; color: var(--c-accent); flex: none; margin-top: 3px; }

/* ------------------------------------------------------------- Berater -- */

.advisor {
  display: grid; gap: var(--sp-5); align-items: center;
  background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius-lg);
  padding: var(--sp-5); box-shadow: var(--shadow-sm);
}
@media (min-width: 640px) { .advisor { grid-template-columns: 150px 1fr; } }
.advisor__photo { border-radius: var(--radius); width: 100%; aspect-ratio: 3 / 4; object-fit: cover; object-position: center top; }
.advisor__name { font-size: 1.2rem; font-weight: 700; margin-bottom: var(--sp-1); }
.advisor__role { color: var(--c-text-muted); font-size: 0.95rem; margin-bottom: var(--sp-3); }
.advisor__credentials { display: flex; flex-wrap: wrap; gap: var(--sp-2); margin: 0 0 var(--sp-4); padding: 0; list-style: none; }
.advisor__credentials li {
  display: inline-flex; align-items: center; gap: var(--sp-2);
  background: var(--c-primary-light); color: var(--c-primary-dark);
  border-radius: var(--radius-pill); padding: 0.3rem 0.75rem; font-size: 0.85rem; font-weight: 600;
}
.advisor__credentials svg { width: 15px; height: 15px; }

/* ----------------------------------------------------------------- FAQ -- */

.faq { max-width: 46rem; }
.faq details {
  border: 1px solid var(--c-border); border-radius: var(--radius);
  margin-bottom: var(--sp-3); background: #fff;
}
.faq details[open] { border-color: var(--c-border-strong); box-shadow: var(--shadow-sm); }
.faq summary {
  cursor: pointer; padding: var(--sp-4) var(--sp-5); font-weight: 600; list-style: none;
  display: flex; justify-content: space-between; align-items: center; gap: var(--sp-4);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; width: 11px; height: 11px; flex: none;
  border-right: 2px solid var(--c-primary); border-bottom: 2px solid var(--c-primary);
  transform: rotate(45deg); transition: transform 0.2s ease; margin-top: -4px;
}
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: 4px; }
.faq__answer { padding: 0 var(--sp-5) var(--sp-5); }
.faq__answer > :first-child { margin-top: 0; }

/* -------------------------------------------------------------- Formen -- */

.form-field { margin-bottom: var(--sp-4); }
.form-field label { display: block; font-weight: 600; margin-bottom: var(--sp-2); font-size: 0.95rem; }
.form-field .hint { font-weight: 400; color: var(--c-text-muted); font-size: 0.88rem; }

input[type="text"], input[type="email"], input[type="tel"], input[type="password"],
input[type="number"], input[type="search"], select, textarea {
  width: 100%; padding: 0.75rem 0.9rem;
  font: inherit; font-size: 1rem; line-height: 1.5; color: var(--c-text);
  background-color: #fff; border: 1px solid var(--c-border-strong); border-radius: var(--radius);
}
input:focus, select:focus, textarea:focus { border-color: var(--c-primary); outline-offset: 0; }
textarea { min-height: 8rem; resize: vertical; }

/* Ohne appearance:none gibt der Browser dem Auswahlfeld eine eigene Hoehe,
   die neben den Textfeldern sichtbar zu niedrig ausfaellt. Der Pfeil wird
   deshalb selbst gezeichnet. */
select {
  appearance: none; -webkit-appearance: none;
  padding-right: 2.6rem;
  background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2355637a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  background-size: 17px 17px;
}
select:disabled { background-color: var(--c-bg-soft); color: var(--c-text-muted); }
input[aria-invalid="true"], textarea[aria-invalid="true"] { border-color: #b0392c; }

.field-error { color: #b0392c; font-size: 0.88rem; margin-top: var(--sp-2); }

.consent { display: flex; gap: var(--sp-3); align-items: flex-start; font-size: 0.92rem; line-height: 1.5; }
.consent input[type="checkbox"] { width: 24px; height: 24px; margin: 0; flex: none; accent-color: var(--c-accent); }

/* Honeypot: fuer Menschen unsichtbar, fuer einfache Bots ein Pflichtfeld. */
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

.form-status { padding: var(--sp-4); border-radius: var(--radius); margin-bottom: var(--sp-4); }
.form-status--error { background: #fdeeec; border: 1px solid #f0c2bb; color: #86271c; }
.form-status--ok { background: var(--c-accent-light); border: 1px solid #bfe3d3; color: var(--c-accent-dark); }

/* --------------------------------------------------------------- Funnel -- */

.funnel { max-width: 46rem; margin-inline: auto; }

.funnel__progress { margin-bottom: var(--sp-5); }
.funnel__bar { height: 6px; background: var(--c-border); border-radius: var(--radius-pill); overflow: hidden; }
.funnel__bar span { display: block; height: 100%; width: 0; background: var(--c-accent); border-radius: inherit; transition: width 0.3s ease; }
.funnel__count { font-size: 0.88rem; color: var(--c-text-muted); margin-top: var(--sp-2); }

.funnel__step { display: none; }
.funnel__step[data-active="true"] { display: block; }

.funnel__question { font-size: clamp(1.35rem, 1.1rem + 1.1vw, 1.9rem); margin-bottom: var(--sp-2); }
.funnel__help { color: var(--c-text-muted); margin-bottom: var(--sp-5); }

/* Auswahlkarten: das ganze Feld ist klickbar, damit die Auswahl auf dem
   Handy mit einer Daumenbewegung gelingt. */
.options { display: grid; gap: var(--sp-3); border: 0; padding: 0; margin: 0 0 var(--sp-5); }
@media (min-width: 560px) { .options--2col { grid-template-columns: 1fr 1fr; } }
.options legend { position: absolute; left: -9999px; }

.option { position: relative; }
.option input { position: absolute; opacity: 0; width: 0; height: 0; }
.option label {
  display: flex; align-items: center; gap: var(--sp-3);
  padding: var(--sp-4); min-height: 62px;
  border: 2px solid var(--c-border); border-radius: var(--radius);
  background: #fff; cursor: pointer; font-weight: 600;
  transition: border-color 0.15s ease, background-color 0.15s ease;
}
.option label:hover { border-color: var(--c-primary); background: var(--c-primary-light); }
@media (max-width: 559px) { .option label { min-height: 68px; padding: var(--sp-4) var(--sp-3); } }
.option input:checked + label { border-color: var(--c-accent); background: var(--c-accent-light); }
.option input:focus-visible + label { outline: 3px solid var(--c-accent); outline-offset: 2px; }
.option__icon { width: 26px; height: 26px; color: var(--c-primary); flex: none; }
.option input:checked + label .option__icon { color: var(--c-accent-dark); }
.option__text { display: flex; flex-direction: column; gap: 2px; }
.option__note { font-weight: 400; font-size: 0.88rem; color: var(--c-text-muted); }

.funnel__nav { display: flex; justify-content: space-between; align-items: center; gap: var(--sp-3); margin-top: var(--sp-5); }

/* Ergebnis */
.result__figure {
  background: var(--c-primary); color: #fff; border-radius: var(--radius-lg);
  padding: var(--sp-6); text-align: center; margin-bottom: var(--sp-5);
}
.result__figure strong { display: block; font-size: clamp(2rem, 1.5rem + 2.2vw, 3rem); line-height: 1.1; }
.result__figure span { font-size: 0.95rem; opacity: 0.85; }

/* -------------------------------------------------------------- Footer -- */

.site-footer { background: var(--c-bg-dark); color: #c2d1e4; padding-block: var(--sp-7) var(--sp-5); font-size: 0.95rem; }
.site-footer__grid { display: grid; gap: var(--sp-6); }
@media (min-width: 640px) { .site-footer__grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .site-footer__grid { grid-template-columns: 1.5fr 1fr 1fr 1.1fr; } }
.site-footer a { color: #c2d1e4; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.site-footer__head { font-size: 0.95rem; font-weight: 700; color: #fff; margin-bottom: var(--sp-3); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: var(--sp-2); }
.site-footer__claim { max-width: 26rem; color: #9fb3ca; }
.site-footer__phone { font-size: 1.15rem; font-weight: 700; color: #fff !important; }
.site-footer__legal { color: #8da4bf; margin-top: var(--sp-4); font-size: 0.88rem; }
.site-footer__bottom { border-top: 1px solid rgba(255, 255, 255, 0.12); margin-top: var(--sp-6); padding-top: var(--sp-4); color: #8da4bf; font-size: 0.85rem; }

/* ------------------------------------------------------------ CTA-Band -- */

.cta-band { background: var(--c-primary); color: #fff; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d6e4f5; }
.cta-band .btn--primary { background: var(--c-accent); }
.cta-band .reassure { color: #c3d8ef; }
.cta-band .reassure svg { color: #7fd8b1; }
.cta-band__inner { display: grid; gap: var(--sp-5); align-items: center; }
@media (min-width: 860px) { .cta-band__inner { grid-template-columns: 1.4fr auto; } }

/* ----------------------------------------------------------- Hinweise -- */

.note {
  background: var(--c-warning-bg); border: 1px solid var(--c-warning-border);
  border-radius: var(--radius); padding: var(--sp-4); font-size: 0.95rem;
  display: flex; gap: var(--sp-3); align-items: flex-start;
  margin-bottom: var(--sp-4);
}
.note svg { width: 20px; height: 20px; flex: none; color: #a07d1f; margin-top: 3px; }
.note p:last-child { margin-bottom: 0; }

/* Artikel-Uebersicht */
.article-list { list-style: none; padding: 0; margin: 0; display: grid; gap: var(--sp-4); }
@media (min-width: 700px) { .article-list { grid-template-columns: 1fr 1fr; } }
.article-list a {
  display: block; height: 100%; text-decoration: none; color: inherit;
  background: #fff; border: 1px solid var(--c-border); border-radius: var(--radius-lg); padding: var(--sp-5);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.article-list a:hover { border-color: var(--c-primary); box-shadow: var(--shadow); }
.article-list h3 { font-size: 1.1rem; margin-bottom: var(--sp-2); color: var(--c-primary-dark); }
.article-list p { font-size: 0.95rem; color: var(--c-text-muted); margin: 0; }

/* Anbieterleiste als durchlaufendes Band.
   Die Liste steht zweimal im Markup; die Animation verschiebt sie um genau
   die Haelfte und springt dann zurueck - dadurch wirkt der Umlauf endlos.
   Beim Darauffahren haelt sie an, sonst waeren die Logos nicht anklickbar. */
.partner-band {
  overflow: hidden;
  padding-block: var(--sp-4);
  -webkit-mask-image: linear-gradient(to right, transparent, #000 60px, #000 calc(100% - 60px), transparent);
          mask-image: linear-gradient(to right, transparent, #000 60px, #000 calc(100% - 60px), transparent);
}

.partner {
  list-style: none; margin: 0; padding: 0;
  display: flex; align-items: center; width: max-content;
  gap: clamp(2.25rem, 5vw, 4rem);
  animation: partner-lauf 46s linear infinite;
}
.partner-band:hover .partner,
.partner-band:focus-within .partner { animation-play-state: paused; }

@keyframes partner-lauf {
  /* Die Haelfte entspricht genau einem Durchlauf der Liste. Der Abstand
     dazwischen muss mitwandern, sonst entsteht beim Sprung eine Luecke. */
  from { transform: translateX(0); }
  to   { transform: translateX(calc(-50% - clamp(1.125rem, 2.5vw, 2rem))); }
}

@media (prefers-reduced-motion: reduce) {
  /* Kein Lauf, dafuer von Hand scrollbar. */
  .partner { animation: none; width: auto; overflow-x: auto; }
  .partner-band { overflow-x: auto; }
}

.partner__item { flex: 0 0 auto; }
.partner__item a { display: flex; align-items: center; min-height: 56px; padding: 0.5rem 0; }
.partner__item img {
  height: 30px; width: auto; max-width: 148px; object-fit: contain;
  /* Gedaempft: Die Logos sind Beleg, nicht Hauptaussage. */
  filter: grayscale(1); opacity: 0.6;
  transition: filter 0.2s ease, opacity 0.2s ease;
}
.partner__item a:hover img, .partner__item a:focus-visible img { filter: none; opacity: 1; }
.partner__name { font-weight: 700; font-size: 1rem; color: var(--c-text-muted); white-space: nowrap; }

/* ------------------------------------------------- Schwebender Knopf -- */

/* Nur auf dem Handy. Am Schreibtisch steht der Knopf ohnehin dauerhaft
   in der mitlaufenden Kopfzeile - dort waere er doppelt. */
.floating-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  padding: var(--sp-3) var(--sp-4) calc(var(--sp-3) + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: saturate(160%) blur(10px);
  border-top: 1px solid var(--c-border);
  transform: translateY(105%);
  transition: transform 0.25s ease;
}
.floating-cta[data-sichtbar="true"] { transform: translateY(0); }
.floating-cta .btn { width: 100%; }
.floating-cta__hinweis {
  display: block; text-align: center; margin: var(--sp-2) 0 0;
  font-size: 0.8rem; color: var(--c-text-muted);
}
@media (min-width: 900px) { .floating-cta { display: none; } }
@media (prefers-reduced-motion: reduce) { .floating-cta { transition: none; } }

/* Sprungleiste der Fragen-Uebersicht */
.fragen-sprung {
  display: flex; flex-wrap: wrap; gap: var(--sp-2);
  margin-bottom: var(--sp-5);
}
.fragen-sprung a {
  padding: 0.55rem 0.95rem; border: 1px solid var(--c-border); border-radius: var(--radius-pill);
  background: #fff; text-decoration: none; font-size: 0.9rem; font-weight: 600;
  color: var(--c-primary-dark); min-height: 44px; display: inline-flex; align-items: center;
}
.fragen-sprung a:hover { border-color: var(--c-primary); background: var(--c-primary-light); }

/* Brotkrumen */
.breadcrumb { font-size: 0.88rem; color: var(--c-text-muted); padding-top: var(--sp-4); }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: var(--sp-2); padding: 0; margin: 0; }
.breadcrumb li:not(:last-child)::after { content: "/"; margin-left: var(--sp-2); color: var(--c-border-strong); }

/* Hilfsklassen */
.mb-0 { margin-bottom: 0; }
.mt-5 { margin-top: var(--sp-5); }
.mt-6 { margin-top: var(--sp-6); }
.visually-hidden {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

@media print {
  .site-header, .site-footer, .cta-band, .btn { display: none; }
}