/* neerdael invest – dunkles Design
   Palette: Tinte #07111f · Nacht #0b1a2e · Panel #102239 · Messing #d9ac55
   Schriften: Newsreader (Überschriften), Figtree (Text), lokal gehostet */

@font-face {
  font-family: "Newsreader";
  src: url("fonts/newsreader-latin-wght-normal.woff2") format("woff2");
  font-weight: 200 800;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Newsreader";
  src: url("fonts/newsreader-latin-wght-italic.woff2") format("woff2");
  font-weight: 200 800;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "Figtree";
  src: url("fonts/figtree-latin-wght-normal.woff2") format("woff2");
  font-weight: 300 900;
  font-style: normal;
  font-display: swap;
}

:root {
  --ink: #f5f9f6;
  --night: #e8f3ec;
  --panel: #ffffff;
  --panel-2: #f0f8f3;
  --field: #ffffff;
  --line: rgba(15, 70, 45, 0.12);
  --line-strong: rgba(15, 70, 45, 0.26);
  --text: #25362e;
  --head: #0d2c20;
  --muted: #53665c;
  --faint: #78897f;
  --brass: #0b7d4f;
  --brass-hi: #08653f;
  --brass-soft: rgba(11, 125, 79, 0.09);
  --ok: #0b7d4f;
  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans:
    "Figtree", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --radius: 14px;
  --radius-sm: 10px;
}

/* ---------- Grundlagen ---------- */
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  color-scheme: light;
}
body {
  margin: 0;
  background: var(--ink);
  color: var(--text);
  font: 400 1rem/1.65 var(--sans);
  -webkit-font-smoothing: antialiased;
  overflow-wrap: break-word;
}
h1,
h2,
h3 {
  -webkit-hyphens: auto;
  hyphens: auto;
}
img {
  display: block;
  max-width: 100%;
}
a {
  color: inherit;
  text-decoration: none;
}
h1,
h2,
h3 {
  margin: 0;
  color: var(--head);
  font-family: var(--serif);
  font-weight: 500;
  letter-spacing: -0.012em;
  line-height: 1.14;
}
p {
  margin-top: 0;
}
strong {
  color: var(--head);
  font-weight: 650;
}
.container {
  width: min(1160px, 100% - 40px);
  margin-inline: auto;
}
:focus-visible {
  outline: 3px solid rgba(11, 125, 79, 0.55);
  outline-offset: 2px;
}
[hidden] {
  display: none !important;
}
section {
  padding: 88px 0;
}
.soft {
  background: var(--night);
  border-block: 1px solid var(--line);
}

/* ---------- Kopfbereich ---------- */
.top {
  padding: 8px 0;
  border-bottom: 1px solid var(--line);
  background: #0a3a29;
  color: var(--muted);
  font-size: 0.8rem;
}
.top .container {
  display: flex;
  justify-content: space-between;
  gap: 16px;
}
header {
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.94);
  -webkit-backdrop-filter: blur(14px);
  backdrop-filter: blur(14px);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.logo {
  color: var(--head);
  font-family: var(--serif);
  font-size: 1.65rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}
.logo span {
  color: var(--brass);
}
.menu {
  display: flex;
  align-items: center;
  gap: 30px;
  font-size: 0.95rem;
  font-weight: 550;
}
.menu a:not(.cta) {
  color: var(--muted);
  transition: color 0.15s;
}
.menu a:not(.cta):hover {
  color: var(--head);
}
.menu a.active:not(.cta) {
  color: var(--head);
  text-decoration: underline;
  text-decoration-color: var(--brass);
  text-decoration-thickness: 2px;
  text-underline-offset: 9px;
}
.cta {
  padding: 11px 20px;
  border-radius: var(--radius-sm);
  background: var(--brass);
  color: #fff !important;
  font-weight: 700;
  transition: background 0.15s;
}
.cta:hover {
  background: var(--brass-hi);
}
.mobile {
  display: none;
  width: 46px;
  height: 46px;
  padding: 0;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: transparent;
  color: var(--head);
  font-size: 1.4rem;
  cursor: pointer;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 50px;
  padding: 12px 26px;
  border: 1px solid transparent;
  border-radius: var(--radius-sm);
  font: inherit;
  font-weight: 700;
  line-height: 1.2;
  text-align: center;
  cursor: pointer;
  transition:
    background 0.15s,
    border-color 0.15s,
    color 0.15s;
}
.primary,
.btn-accent,
.finance-story-cta {
  background: var(--brass);
  color: #fff;
}
.primary:hover,
.btn-accent:hover,
.finance-story-cta:hover {
  background: var(--brass-hi);
}
.secondary {
  border-color: var(--line-strong);
  background: transparent;
  color: var(--head);
}
.secondary:hover {
  border-color: var(--brass);
  color: var(--brass-hi);
}
.btn-block {
  width: 100%;
}

/* ---------- Startseite: Hero ---------- */
.hero {
  padding: 76px 0 84px;
  border-bottom: 1px solid var(--line);
  background:
    radial-gradient(
      55% 70% at 90% 0%,
      rgba(11, 125, 79, 0.08),
      transparent 65%
    ),
    var(--ink);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: center;
}
.hero-grid > * {
  min-width: 0;
}
.hero h1 {
  margin: 0 0 24px;
  font-size: clamp(2.5rem, 5.4vw, 4.25rem);
  line-height: 1.05;
  letter-spacing: -0.025em;
}
.hero-copy > p {
  max-width: 34em;
  margin: 0;
  color: var(--muted);
  font-size: 1.15rem;
}
.hero-points {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}
.hero-points div {
  display: flex;
  flex-direction: column;
  padding: 0 20px;
  border-left: 1px solid var(--line);
}
.hero-points div:first-child {
  padding-left: 0;
  border-left: 0;
}
.hero-points strong {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 600;
}
.hero-points span {
  color: var(--muted);
  font-size: 0.85rem;
}

/* ---------- Karten, Rechner ---------- */
.hero-card {
  padding: 34px 34px 26px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--panel);
  box-shadow: 0 30px 70px rgba(15, 70, 45, 0.14);
}
.hero-card h2 {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 0 0 24px;
  font-size: 1.55rem;
}
.card-mark {
  color: var(--brass);
}
.range-field {
  margin: 0 0 28px;
}
.range-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 6px;
}
.range-heading label {
  color: var(--muted);
  font-weight: 600;
}
.range-heading output {
  color: var(--brass-hi);
  font-size: 1.15rem;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
input[type="range"] {
  width: 100%;
  height: 30px;
  margin: 0;
  padding: 0;
  border: 0;
  background: transparent;
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
}
input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: 99px;
  background: linear-gradient(
    to right,
    var(--brass) 0,
    var(--brass) var(--range-progress, 35%),
    rgba(15, 70, 45, 0.14) var(--range-progress, 35%)
  );
}
input[type="range"]::-moz-range-track {
  height: 6px;
  border-radius: 99px;
  background: linear-gradient(
    to right,
    var(--brass) 0,
    var(--brass) var(--range-progress, 35%),
    rgba(15, 70, 45, 0.14) var(--range-progress, 35%)
  );
}
input[type="range"]::-webkit-slider-thumb {
  width: 26px;
  height: 26px;
  margin-top: -10px;
  border: 4px solid var(--brass);
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 2px 8px rgba(15, 70, 45, 0.18);
  -webkit-appearance: none;
  appearance: none;
}
input[type="range"]::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border: 4px solid var(--brass);
  border-radius: 50%;
  background: #fff;
  box-shadow: 0 2px 8px rgba(15, 70, 45, 0.18);
}
.range-limits {
  display: flex;
  justify-content: space-between;
  color: var(--faint);
  font-size: 0.8rem;
  font-weight: 600;
}
.estimate {
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel-2);
}
.monthly-line,
.estimate-detail {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.monthly-line {
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
}
.monthly-line strong {
  font-family: var(--serif);
  font-size: 2rem;
  font-variant-numeric: tabular-nums;
}
.estimate-detail {
  padding-top: 10px;
  color: var(--muted);
  font-size: 0.9rem;
}
.estimate-detail strong {
  font-variant-numeric: tabular-nums;
}
.simulator-cta {
  width: 100%;
  margin-top: 24px;
}
.hero-card .estimate-note {
  margin: 18px 0 0;
  color: var(--faint);
  font-size: 0.78rem;
  line-height: 1.5;
  text-align: center;
}

/* ---------- Abschnitte ---------- */
.section-head {
  max-width: 680px;
  margin-bottom: 44px;
}
.section-head h2 {
  margin: 0 0 14px;
  font-size: clamp(1.9rem, 3.6vw, 2.7rem);
}
.section-head p {
  margin: 0;
  color: var(--muted);
  font-size: 1.08rem;
}
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.card {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
}
.icon {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  margin-bottom: 18px;
  border-radius: var(--radius-sm);
  background: var(--brass-soft);
  color: var(--brass);
  font-weight: 800;
}
.card h3 {
  margin: 0 0 10px;
  font-size: 1.4rem;
}
.card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.97rem;
}

/* ---------- Kreditangebote ---------- */
.loan-products {
  align-items: stretch;
}
.loan-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 30px 26px 26px;
}
.loan-kind {
  min-height: 46px;
  color: var(--muted);
  font-size: 0.92rem;
}
.loan-card h3 {
  font-size: 1.75rem;
}
.loan-limit {
  margin: 14px 0 0;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
}
.loan-limit strong {
  font-family: var(--serif);
  font-size: 1.8rem;
}
.loan-features {
  display: grid;
  gap: 13px;
  margin: 0;
  padding: 20px 0 26px;
  list-style: none;
  color: var(--text);
  font-size: 0.95rem;
}
.loan-features li {
  display: flex;
  gap: 10px;
}
.loan-features li::before {
  content: "✓";
  flex: none;
  color: var(--brass);
  font-weight: 800;
}
.loan-card .btn {
  margin-top: auto;
}
.loan-card:not(.loan-card-featured) .btn {
  border-color: var(--line-strong);
  background: transparent;
  color: var(--head);
}
.loan-card:not(.loan-card-featured) .btn:hover {
  border-color: var(--brass);
  color: var(--brass-hi);
}
.loan-card-featured {
  border-color: var(--brass);
  background: linear-gradient(180deg, var(--panel-2), var(--panel));
}
.loan-badge {
  position: absolute;
  top: -13px;
  right: 20px;
  padding: 4px 13px;
  border-radius: 99px;
  background: var(--brass);
  color: #fff;
  font-size: 0.78rem;
  font-weight: 750;
}
.loan-disclaimer {
  max-width: 860px;
  margin: 28px 0 0;
  color: var(--muted);
  font-size: 0.88rem;
}

/* ---------- Finanzierung: Bildabschnitt ---------- */
.finance-story {
  padding: 88px 0;
  border-block: 1px solid var(--line);
  background: var(--night);
}
.finance-story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.finance-story-grid > * {
  min-width: 0;
}
.finance-kicker {
  display: block;
  margin-bottom: 14px;
  color: var(--brass);
  font-size: 1rem;
  font-weight: 650;
}
.finance-story-copy h2 {
  max-width: 14em;
  margin: 0 0 18px;
  font-size: clamp(2rem, 4.2vw, 3.2rem);
}
.finance-story-copy > p {
  max-width: 34em;
  margin: 0;
  color: var(--muted);
  font-size: 1.1rem;
}
.finance-benefits {
  display: grid;
  gap: 22px;
  margin: 34px 0;
}
.finance-benefits article {
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 16px;
  align-items: start;
}
.finance-check {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border: 1px solid rgba(11, 125, 79, 0.3);
  border-radius: var(--radius-sm);
  background: var(--brass-soft);
  color: var(--brass);
  font-size: 1.3rem;
  font-weight: 800;
}
.finance-benefits h3 {
  margin: 2px 0 4px;
  font-family: var(--sans);
  font-size: 1.05rem;
  font-weight: 650;
  letter-spacing: 0;
}
.finance-benefits p {
  max-width: 30em;
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}
.finance-story-visual {
  position: relative;
  min-height: 600px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--panel);
}
.finance-story-visual img,
.finance-visual-shade {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.finance-story-visual img {
  top: -68%;
  height: 168%;
  object-position: 50% 45%;
}
.finance-visual-shade {
  background: linear-gradient(
    180deg,
    rgba(8, 50, 35, 0.05) 10%,
    rgba(255, 255, 255, 0.96) 100%
  );
}
.finance-float-list {
  position: absolute;
  top: 22%;
  right: 0;
  display: grid;
  gap: 10px;
  width: 70%;
}
.finance-float-list > div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border: 1px solid var(--line-strong);
  border-radius: 12px 0 0 12px;
  background: rgba(255, 255, 255, 0.95);
  -webkit-backdrop-filter: blur(8px);
  backdrop-filter: blur(8px);
}
.finance-float-list > div > span {
  display: grid;
  flex: 0 0 38px;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--panel-2);
  color: var(--brass);
  font-weight: 800;
}
.finance-float-list p,
.finance-result div {
  display: grid;
  gap: 2px;
  margin: 0;
}
.finance-float-list strong,
.finance-result strong {
  font-size: 0.88rem;
}
.finance-float-list small,
.finance-result small {
  color: var(--muted);
  font-size: 0.78rem;
}
.finance-result {
  position: absolute;
  right: 6%;
  bottom: 6%;
  left: 6%;
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 18px;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.96);
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
}
.finance-result > span {
  display: grid;
  flex: 0 0 46px;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: rgba(11, 125, 79, 0.12);
  color: var(--ok);
  font-size: 1.3rem;
  font-weight: 800;
}

/* ---------- Ablauf, Banner ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.step {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
}
.num {
  margin-bottom: 14px;
  color: var(--brass);
  font-size: 0.8rem;
  font-weight: 750;
  letter-spacing: 0.1em;
}
.step h3 {
  margin: 0 0 8px;
  font-size: 1.4rem;
}
.step p {
  margin: 0;
  color: var(--muted);
}
.banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  padding: 48px;
  border: 1px solid var(--line-strong);
  border-radius: 22px;
  background: linear-gradient(120deg, var(--panel-2), var(--panel));
}
.banner h2 {
  margin: 0 0 8px;
  font-size: clamp(1.7rem, 3.2vw, 2.3rem);
}
.banner p {
  margin: 0;
  color: var(--muted);
}
.banner .btn {
  flex: none;
  border-color: transparent;
  background: var(--brass);
  color: #fff;
}
.banner .btn:hover {
  background: var(--brass-hi);
  color: #fff;
}

/* ---------- Unterseiten ---------- */
.page-hero {
  padding: 72px 0 60px;
  border-bottom: 1px solid var(--line);
  background: var(--night);
}
.page-hero h1 {
  margin: 0 0 16px;
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  letter-spacing: -0.02em;
}
.page-hero p {
  max-width: 40em;
  margin: 0;
  color: var(--muted);
  font-size: 1.15rem;
}
.eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  color: var(--brass);
  font-weight: 650;
}
.two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.two > * {
  min-width: 0;
}
.two h2 {
  margin: 0 0 16px;
  font-size: 1.9rem;
}
.two p {
  color: var(--muted);
}
.panel {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
}
.panel h2 {
  margin-top: 0;
}
.panel p {
  margin-bottom: 16px;
}
.panel a {
  color: var(--brass-hi);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.list {
  margin: 0;
  padding: 0;
  list-style: none;
}
.list li {
  padding: 13px 0;
  border-bottom: 1px solid var(--line);
}
.list li:last-child {
  border-bottom: 0;
}
.list b {
  margin-right: 6px;
  color: var(--brass);
}

/* ---------- Vertrauensleiste ---------- */
.trust-strip {
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
  background: var(--night);
}
.trust-track {
  width: min(1160px, 100% - 40px);
  margin-inline: auto;
}
.trust-group {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.trust-group[aria-hidden="true"] {
  display: none;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.95rem;
  font-weight: 600;
}
.trust-icon {
  display: grid;
  flex: 0 0 38px;
  place-items: center;
  width: 38px;
  height: 38px;
  border: 1px solid rgba(11, 125, 79, 0.3);
  border-radius: 50%;
  background: var(--brass-soft);
  color: var(--brass);
  font-weight: 800;
}

/* ---------- FAQ ---------- */
.faq {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: start;
  gap: 14px;
}
.faq details {
  padding: 4px 22px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--panel);
}
.faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 56px;
  color: var(--head);
  font-weight: 650;
  list-style: none;
  cursor: pointer;
}
.faq summary::-webkit-details-marker {
  display: none;
}
.faq summary::after {
  content: "+";
  flex: none;
  color: var(--brass);
  font-size: 1.5rem;
  font-weight: 400;
}
.faq details[open] summary::after {
  content: "–";
}
.faq p {
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 0.96rem;
}

/* ---------- Fußbereich ---------- */
footer {
  padding: 60px 0 28px;
  border-top: 1px solid var(--line);
  background: #0a3a29;
  color: var(--muted);
}
.footergrid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
}
.footergrid > * {
  min-width: 0;
}
.footerlogo {
  margin-bottom: 12px;
  color: var(--head);
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 600;
}
.footergrid p {
  max-width: 30em;
  margin: 0 0 14px;
  font-size: 0.93rem;
}
.footergrid h4 {
  margin: 0 0 14px;
  color: var(--head);
  font-size: 0.95rem;
  font-weight: 650;
}
.footergrid a {
  display: block;
  margin: 0;
  padding: 7px 0;
  font-size: 0.93rem;
  transition: color 0.15s;
}
.footergrid a:hover {
  color: var(--head);
}
.footergrid p a {
  display: inline;
  padding: 0;
  color: var(--text);
}
.legal {
  margin-top: 40px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
  color: var(--faint);
  font-size: 0.84rem;
}

/* ---------- Formulare ---------- */
.field {
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin-bottom: 18px;
}
.field.full {
  grid-column: 1 / -1;
}
.formgrid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 26px;
}
.formgrid .field {
  margin-bottom: 0;
}
.field label {
  color: var(--text);
  font-size: 0.9rem;
  font-weight: 600;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 50px;
  padding: 13px 15px;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: var(--field);
  color: var(--head);
  font: inherit;
  font-size: 1rem;
  transition:
    border-color 0.15s,
    box-shadow 0.15s;
}
.field textarea {
  resize: vertical;
}
.field select {
  padding-right: 42px;
  background-image: 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 1.5l6 6 6-6' fill='none' stroke='%2353665c' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-position: right 16px center;
  background-repeat: no-repeat;
  -webkit-appearance: none;
  appearance: none;
}
.field input::placeholder,
.field textarea::placeholder {
  color: var(--faint);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--brass);
  outline: 0;
  box-shadow: 0 0 0 3px rgba(11, 125, 79, 0.22);
}
.field input:-webkit-autofill {
  -webkit-box-shadow: 0 0 0 1000px var(--field) inset;
  -webkit-text-fill-color: var(--head);
}
.consent {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin: 18px 0;
  color: var(--muted);
  font-size: 0.9rem;
}
.consent input {
  flex: none;
  width: 22px;
  height: 22px;
  margin: 1px 0 0;
  accent-color: var(--brass);
}
.consent a,
.notice a {
  color: var(--brass-hi);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.notice {
  margin: 16px 0 0;
  color: var(--faint);
  font-size: 0.82rem;
}
.success {
  display: none;
  margin-top: 16px;
  padding: 15px 16px;
  border: 1px solid rgba(11, 125, 79, 0.3);
  border-radius: var(--radius-sm);
  background: rgba(11, 125, 79, 0.08);
  color: #0a5a3a;
}

/* ---------- Kreditanfrage in drei Schritten ---------- */
.wizard {
  scroll-margin-top: 96px;
  max-width: 700px;
  margin: 0 auto;
}
.stepper {
  position: relative;
  display: flex;
  justify-content: space-between;
  margin: 0 0 56px;
  padding: 0;
  list-style: none;
}
.stepper::before,
.stepper::after {
  content: "";
  position: absolute;
  top: 16px;
  left: 17px;
  height: 3px;
  border-radius: 3px;
}
.stepper::before {
  right: 17px;
  background: var(--line-strong);
}
.stepper::after {
  width: calc((100% - 34px) * var(--progress, 0));
  background: var(--brass);
  transition: width 0.3s ease;
}
.stepper li {
  position: relative;
  z-index: 1;
  flex: 0 0 34px;
  height: 34px;
}
.stepper-dot {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border: 2px solid var(--line-strong);
  border-radius: 50%;
  background: var(--ink);
  color: var(--muted);
  font-size: 0.85rem;
  font-weight: 750;
}
.stepper-text {
  position: absolute;
  top: 44px;
  left: 50%;
  color: var(--muted);
  font-size: 0.85rem;
  font-weight: 600;
  white-space: nowrap;
  transform: translateX(-50%);
}
.stepper li:first-child .stepper-text {
  left: 0;
  transform: none;
}
.stepper li:last-child .stepper-text {
  right: 0;
  left: auto;
  transform: none;
}
.stepper .is-active .stepper-dot {
  border-color: var(--brass);
  background: var(--brass);
  color: #fff;
  box-shadow: 0 0 0 5px rgba(11, 125, 79, 0.2);
}
.stepper .is-active .stepper-text {
  color: var(--head);
}
.stepper .is-done .stepper-dot {
  position: relative;
  border-color: var(--brass);
  background: var(--brass);
  color: transparent;
}
.stepper .is-done .stepper-dot::after {
  content: "✓";
  position: absolute;
  color: #fff;
  font-size: 1rem;
  font-weight: 800;
}
.form-card.hero-card {
  padding: 40px 42px 32px;
}
.wizard-step h2 {
  margin: 0 0 8px;
  font-size: 2rem;
}
.step-intro {
  margin: 0 0 28px;
  color: var(--muted);
}
.field .amount-input {
  padding: 15px 18px;
  font-size: 1.35rem;
  font-weight: 700;
}
.wizard .range-field {
  margin-top: 24px;
}
.offer-hint {
  min-height: 24px;
  margin: -8px 0 24px;
  color: var(--brass-hi);
  font-size: 0.9rem;
}
.chips {
  min-width: 0;
  margin: 0;
  padding: 0;
  border: 0;
}
.chips legend {
  margin-bottom: 12px;
  padding: 0;
  color: var(--text);
  font-size: 0.9rem;
  font-weight: 600;
}
.chip-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}
.chip {
  position: relative;
  display: block;
}
.chip input {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  margin: 0;
  opacity: 0;
  cursor: pointer;
}
.chip span {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 8px 10px;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: var(--field);
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 600;
  line-height: 1.3;
  text-align: center;
  transition:
    border-color 0.15s,
    background 0.15s,
    color 0.15s;
}
.chip:hover span {
  border-color: var(--brass);
}
.chip input:checked + span {
  border-color: var(--brass);
  background: var(--brass-soft);
  color: var(--brass-hi);
}
.chip input:focus-visible + span {
  outline: 3px solid rgba(11, 125, 79, 0.55);
  outline-offset: 2px;
}
.summary {
  margin: 0 0 24px;
  padding: 14px 16px;
  border: 1px solid rgba(11, 125, 79, 0.3);
  border-radius: var(--radius-sm);
  background: var(--brass-soft);
  color: #134a33;
  font-size: 0.95rem;
  font-weight: 600;
}
.wizard-actions {
  display: flex;
  justify-content: flex-end;
  gap: 12px;
  margin-top: 30px;
}
.wizard-actions .secondary {
  margin-right: auto;
}
.wizard-done {
  padding: 30px 0;
  text-align: center;
}
.wizard-done h2 {
  justify-content: center;
  margin-bottom: 10px;
}
.wizard-done p {
  margin: 0 0 26px;
  color: var(--muted);
}
.done-icon {
  display: grid;
  place-items: center;
  width: 66px;
  height: 66px;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: rgba(11, 125, 79, 0.12);
  color: var(--ok);
  font-size: 1.9rem;
  font-weight: 800;
}

/* ---------- Rechtliche Seiten ---------- */
.legal-page {
  padding: 60px 0 88px;
}
.legal-doc {
  max-width: 820px;
}
.legal-doc h2 {
  margin: 48px 0 14px;
  font-size: 1.65rem;
}
.legal-doc h2:first-child {
  margin-top: 0;
}
.legal-doc h3 {
  margin: 26px 0 8px;
  font-family: var(--sans);
  font-size: 1.05rem;
  font-weight: 650;
  letter-spacing: 0;
}
.legal-doc p,
.legal-doc li {
  max-width: 75ch;
  color: var(--text);
}
.legal-doc ul,
.legal-doc ol {
  padding-left: 22px;
}
.legal-doc li {
  margin: 7px 0;
}
.legal-doc a {
  color: var(--brass-hi);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.legal-meta {
  color: var(--faint) !important;
  font-size: 0.85rem;
}
.legal-box {
  margin: 18px 0;
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--panel);
  color: var(--text);
}
.table-scroll {
  overflow-x: auto;
}
.legal-table {
  width: 100%;
  margin: 14px 0;
  border-collapse: collapse;
  font-size: 0.97rem;
}
.legal-table th,
.legal-table td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}
.legal-table th {
  width: 34%;
  color: var(--head);
  font-weight: 650;
}
.legal-table td {
  color: var(--text);
}

/* ---------- Tablet und Mobil ---------- */
@media (max-width: 900px) {
  section,
  .finance-story {
    padding: 64px 0;
  }
  .nav {
    height: 68px;
  }
  .mobile {
    display: grid;
    place-items: center;
  }
  .menu {
    display: none;
  }
  .menu.open {
    position: absolute;
    top: 100%;
    right: 0;
    left: 0;
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 6px 20px 22px;
    border-bottom: 1px solid var(--line-strong);
    background: var(--night);
    box-shadow: 0 24px 40px rgba(15, 70, 45, 0.18);
  }
  .menu.open a:not(.cta) {
    padding: 16px 2px;
    border-bottom: 1px solid var(--line);
    font-size: 1.05rem;
  }
  .menu.open a.active:not(.cta) {
    color: var(--brass-hi);
    text-decoration: none;
  }
  .menu.open .cta {
    margin-top: 18px;
    padding: 15px;
    text-align: center;
  }
  .hero {
    padding: 52px 0 60px;
  }
  .hero-grid,
  .finance-story-grid,
  .two {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .cards,
  .steps,
  .faq {
    grid-template-columns: 1fr;
  }
  .loan-card-featured {
    order: -1;
  }
  .loan-kind {
    min-height: 0;
    margin-bottom: 6px;
  }
  .trust-group {
    grid-template-columns: 1fr 1fr;
    gap: 18px 14px;
  }
  .finance-story-visual {
    min-height: 520px;
  }
  .footergrid {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }
  .footergrid > :first-child {
    grid-column: 1 / -1;
  }
  .page-hero {
    padding: 52px 0 44px;
  }
  .banner {
    padding: 36px 30px;
  }
}

@media (max-width: 640px) {
  .container,
  .trust-track {
    width: calc(100% - 32px);
  }
  section,
  .finance-story {
    padding: 52px 0;
  }
  .top .container span:last-child {
    display: none;
  }
  .hero {
    padding: 40px 0 48px;
  }
  .hero h1 {
    font-size: 2.45rem;
  }
  .hero-copy > p {
    font-size: 1.05rem;
  }
  .hero-points {
    margin-top: 30px;
  }
  .hero-points div {
    padding: 0 12px;
  }
  .hero-points strong {
    font-size: 1.05rem;
  }
  .hero-points span {
    font-size: 0.75rem;
  }
  .hero-card {
    padding: 24px 20px 20px;
    border-radius: 18px;
  }
  .hero-card h2 {
    font-size: 1.35rem;
  }
  .monthly-line strong {
    font-size: 1.7rem;
  }
  .section-head {
    margin-bottom: 30px;
  }
  .section-head h2 {
    font-size: 1.75rem;
  }
  .card,
  .step,
  .panel {
    padding: 24px 20px;
  }
  .loan-card {
    padding: 28px 20px 22px;
  }
  .trust-item {
    font-size: 0.88rem;
  }
  .finance-benefits article {
    grid-template-columns: 42px 1fr;
    gap: 12px;
  }
  .finance-check {
    width: 42px;
    height: 42px;
  }
  .finance-story-visual {
    min-height: 480px;
  }
  .finance-float-list {
    top: 18%;
    width: 84%;
  }
  .finance-float-list > div {
    gap: 10px;
    padding: 10px;
  }
  .finance-result {
    right: 5%;
    left: 5%;
    padding: 14px;
  }
  .banner {
    display: block;
    padding: 30px 22px;
  }
  .banner .btn {
    width: 100%;
    margin-top: 22px;
  }
  .page-hero h1 {
    font-size: 2.15rem;
  }
  .page-hero p {
    font-size: 1.05rem;
  }
  .formgrid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .form-card.hero-card {
    padding: 26px 18px 22px;
  }
  .wizard-step h2 {
    font-size: 1.7rem;
  }
  .chip-grid {
    grid-template-columns: 1fr 1fr;
  }
  .wizard-actions {
    flex-direction: column-reverse;
  }
  .wizard-actions .btn,
  .wizard-actions .secondary {
    width: 100%;
    margin-right: 0;
  }
  .footergrid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .legal-page {
    padding: 44px 0 64px;
  }
  .legal-doc h2 {
    margin-top: 38px;
    font-size: 1.45rem;
  }
  .legal-table,
  .legal-table tbody,
  .legal-table tr,
  .legal-table th,
  .legal-table td {
    display: block;
    width: 100%;
  }
  .legal-table tr {
    padding: 10px 0;
    border-bottom: 1px solid var(--line);
  }
  .legal-table th,
  .legal-table td {
    padding: 2px 0;
    border: 0;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  * {
    transition: none !important;
  }
}


/* ---------- Helles Bank-Design in Grün ---------- */
body { overflow-x: clip; -webkit-tap-highlight-color: transparent; }
.top { background: #0a3a29; color: rgba(255, 255, 255, 0.85); }
.hero {
  background:
    radial-gradient(60% 80% at 95% 0%, rgba(11, 125, 79, 0.13), transparent 65%),
    linear-gradient(180deg, #eaf5ee 0%, var(--ink) 100%);
}
.hero h1 span,
.finance-story-copy h2 span { color: var(--brass); font-style: italic; }
.page-hero {
  background: linear-gradient(120deg, #0a3a29 0%, #0b6b45 100%);
  border-bottom: 0;
}
.page-hero h1 { color: #fff; }
.page-hero p { color: rgba(255, 255, 255, 0.88); }
.card, .step, .panel, .faq details, .legal-box, .estimate {
  box-shadow: 0 1px 2px rgba(15, 70, 45, 0.05), 0 8px 24px rgba(15, 70, 45, 0.05);
}
.hero-card { box-shadow: 0 24px 60px rgba(15, 70, 45, 0.14); }
.loan-card-featured { box-shadow: 0 14px 40px rgba(11, 125, 79, 0.18); }
.loan-badge { color: #fff; }
.cta, .primary, .btn-accent, .finance-story-cta { box-shadow: 0 4px 14px rgba(11, 125, 79, 0.25); }
.banner {
  border: 0;
  background: linear-gradient(120deg, #0b7d4f, #0a5a3a);
}
.banner h2 { color: #fff; }
.banner p { color: rgba(255, 255, 255, 0.88); }
.banner .btn, .banner .btn:hover { background: #fff; color: #0a5a3a; box-shadow: none; }
.banner .btn:hover { background: #eaf5ee; }
.finance-float-list small, .finance-result small { color: var(--muted); }
footer { background: #0a3a29; color: rgba(255, 255, 255, 0.78); }
.footerlogo, .footergrid h4, .footergrid a:hover, .footergrid p a { color: #fff; }
.legal { color: rgba(255, 255, 255, 0.62); border-top-color: rgba(255, 255, 255, 0.16); }
.menu.open { background: #fff; }
.field input:focus, .field select:focus, .field textarea:focus {
  box-shadow: 0 0 0 3px rgba(11, 125, 79, 0.2);
}

/* ---------- Mobil-Optimierung ---------- */
@media (max-width: 900px) {
  .menu.open a:not(.cta) { min-height: 52px; display: flex; align-items: center; }
}
@media (max-width: 640px) {
  header { padding-top: env(safe-area-inset-top, 0); }
  .logo { font-size: 1.45rem; }
  .hero h1 { font-size: clamp(2rem, 9vw, 2.45rem); }
  .btn { width: 100%; min-height: 52px; }
  .loan-card .btn, .simulator-cta { width: 100%; }
  .range-heading output { font-size: 1.05rem; }
  .estimate { padding: 16px; }
  .stepper-text { font-size: 0.78rem; }
  .field input, .field select, .field textarea { font-size: 16px; }
  .chip span { min-height: 56px; }
  .finance-story-visual { min-height: 440px; }
  footer { padding-bottom: calc(28px + env(safe-area-inset-bottom, 0)); }
}

.footer-example {
  margin: 32px 0 22px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.82rem;
  line-height: 1.65;
}
.footer-example strong { color: #fff; }