/* =====================================================================
   VALOR MAKLER — Design System
   Neoklassisch-elegant: Navy · Creme · Gold · Serifen-Display
   Gemeinsame Stylesheet für alle Unterseiten.
   ===================================================================== */

:root{
  --navy:#0E2A40;--navy-2:#091A29;--cream:#F2F3F1;--paper:#FFFFFF;--white:#FAFAF7;
  --gold:#B8923A;--gold-lite:#C9A961;--gold-ink:#8B6914;--slate:#5F717E;--line:#DEE1E1;
  --cream-dim:rgba(244,244,244,.68);--cream-line:rgba(244,244,244,.16);
  --gold-soft:rgba(184,146,58,.14);--gold-soft-2:rgba(184,146,58,.08);
  --shadow-card:0 16px 40px -30px rgba(9,26,41,.28);
  --shadow-lift:0 24px 50px -28px rgba(9,26,41,.42);
  --radius:12px;--maxw:1160px;
  --font-display:"Cormorant Garamond","Iowan Old Style",Georgia,serif;
  --font-num:"Schibsted Grotesk","DM Sans",system-ui,sans-serif;
}

/* ---------- Reset & Base ---------- */
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--white);color:var(--navy);font-family:"DM Sans",system-ui,sans-serif;font-size:clamp(1rem,.96rem + .2vw,1.07rem);line-height:1.65;-webkit-font-smoothing:antialiased}
body.locked{overflow:hidden}
h1,h2,h3,h4{font-family:var(--font-display),Georgia,serif;font-weight:300;font-optical-sizing:auto;line-height:1.12;letter-spacing:.003em;color:var(--navy);overflow-wrap:break-word}
em{font-style:italic}
a{color:inherit}
img{display:block;max-width:100%}
strong{font-weight:600}

/* ---------- Layout ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 clamp(1.25rem,4vw,2.5rem)}
.wrap-narrow{max-width:900px}
section{padding:clamp(4rem,8vw,7rem) 0}
.on-dark{background:var(--navy);color:var(--cream)}
.on-dark h1,.on-dark h2,.on-dark h3,.on-dark h4{color:var(--cream)}
.bg-cream{background:var(--cream)}
.center{text-align:center;margin-left:auto;margin-right:auto}
.head-block{max-width:64ch}
.head-block h2{font-size:clamp(2rem,1.7rem + 2.3vw,3.5rem);margin-top:.6rem}
.head-block .lead{margin-top:1rem}

/* ---------- Typo helpers ---------- */
.eyebrow{font-family:"DM Sans";font-size:.74rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-ink);display:inline-block}
.on-dark .eyebrow{color:var(--gold-lite)}
.lead{color:var(--slate);font-size:clamp(1.05rem,1rem + .4vw,1.24rem);line-height:1.55;max-width:62ch}
.on-dark .lead{color:var(--cream-dim)}
.accent{color:var(--gold-ink)} .on-dark .accent{color:var(--gold-lite)}
em.accent,h1 em,h2 em{font-weight:300}
.prose p{color:var(--slate);max-width:70ch;margin-top:1rem}
.prose h3{font-size:clamp(1.5rem,1.3rem + 1vw,2rem);margin-top:2.2rem}
.prose h3:first-child{margin-top:0}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.5em;font-weight:600;font-size:.95rem;padding:.85em 1.4em;border-radius:2px;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:transform .25s,background .25s,color .25s,border-color .25s}
.btn-gold{background:var(--gold);color:#0E2A40;border-color:var(--gold)}
.btn-gold:hover{transform:translateY(-2px);background:#C9A961}
.btn-ghost{background:transparent;border-color:currentColor;color:inherit}
.btn-ghost:hover{transform:translateY(-2px);background:rgba(255,255,255,.08)}
.on-light .btn-ghost{border-color:var(--navy)} .on-light .btn-ghost:hover{background:rgba(14,42,64,.05)}
.arrow{transition:transform .25s}.btn:hover .arrow{transform:translateX(3px)}
.cta-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2.2rem}

/* ---------- Header / Nav ---------- */
header.site{position:fixed;inset:0 0 auto 0;z-index:60;transition:background .3s,border-color .3s}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:76px}
.logo-img{height:40px;width:auto;transition:filter .3s}
.logo-on-dark .logo-img{filter:brightness(0) invert(1)}
header.site.scrolled{background:rgba(244,244,244,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
header.site.scrolled .logo-img{filter:none}
header.site.scrolled .nav-link,header.site.scrolled .nav-trigger{color:var(--navy)}
/* Solid header variant (for sub-pages without a dark hero behind it) */
header.site.solid{background:rgba(244,244,244,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
header.site.solid .logo-img{filter:none}
header.site.solid .nav-link,header.site.solid .nav-trigger{color:var(--navy)}
.nav{display:flex;align-items:center;gap:1.7rem}
.nav-link,.nav-trigger{color:var(--cream-dim);text-decoration:none;font-size:.92rem;font-weight:500;transition:color .2s;background:none;border:0;cursor:pointer;font-family:inherit;display:inline-flex;align-items:center;gap:.35em}
header.site.solid .nav-link,header.site.solid .nav-trigger{color:var(--slate)}
.nav-link:hover,.nav-trigger:hover{color:var(--gold)}
.nav-link[aria-current="page"]{color:var(--gold-ink)}
.nav-item{position:relative;display:flex;align-items:center}
.caret{font-size:.7em;transition:transform .25s}.nav-item.open .caret{transform:rotate(180deg)}
.drop{position:absolute;top:calc(100% + 14px);left:-1rem;min-width:322px;background:var(--cream);border:1px solid var(--line);border-radius:8px;box-shadow:0 30px 60px -30px rgba(9,26,41,.42);padding:.6rem;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .22s,transform .22s,visibility .22s}
.nav-item.open .drop{opacity:1;visibility:visible;transform:translateY(0)}
@media(hover:hover){.nav-item:hover .drop,.nav-item:focus-within .drop{opacity:1;visibility:visible;transform:translateY(0)}}
.drop a{display:flex;align-items:center;gap:.7rem;padding:.68rem .8rem;border-radius:5px;text-decoration:none;color:var(--navy);font-size:.95rem;transition:background .18s}
.drop a:hover{background:var(--paper)}
.drop .dn{font-family:var(--font-display);font-style:italic;color:var(--gold-ink);font-size:.9rem;min-width:2.4em}
/* Verschachtelte Unterpunkte (z. B. bKV/bAV unter „Betriebliche Versicherungen") */
.drop a.sub{padding-left:2.1rem;font-size:.9rem}
.drop a.sub .dn{color:var(--slate);font-style:normal;min-width:1.3em;font-size:1em}
.drop-all{margin-top:.2rem;border-top:1px solid var(--line);color:var(--gold-ink)!important;font-weight:600}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:11px;z-index:61}
.burger span{width:24px;height:2px;background:var(--cream);transition:transform .3s,opacity .3s,background .3s}
header.site.scrolled .burger span,header.site.solid .burger span{background:var(--navy)}
.m-open .burger span{background:var(--cream)!important}
.m-open .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.m-open .burger span:nth-child(2){opacity:0}
.m-open .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:900px){.nav{display:none}.burger{display:flex}}
.m-menu{position:fixed;inset:0;z-index:55;background:var(--navy);padding:96px clamp(1.5rem,6vw,3rem) 2rem;display:flex;flex-direction:column;transform:translateX(100%);transition:transform .34s ease;overflow:auto}
.m-menu.show{transform:none}
.m-menu a,.m-menu .m-trigger{color:var(--cream);text-decoration:none;font-family:var(--font-display);font-weight:500;font-size:1.6rem;padding:.7rem 0;border:0;border-bottom:1px solid var(--cream-line);background:none;text-align:left;width:100%;cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.m-sub{max-height:0;overflow:hidden;transition:max-height .32s ease}.m-sub.open{max-height:520px}
.m-sub a{font-family:"DM Sans";font-weight:400;font-size:1.05rem;color:var(--cream-dim);padding:.55rem 0 .55rem 1rem}
.m-sub a.m-sub-item{padding-left:2rem;font-size:.98rem;opacity:.9}
.m-menu a.m-cta{justify-content:center;background:var(--gold);color:#0E2A40;font-family:"DM Sans";font-weight:600;font-size:1rem;border-radius:2px;padding:.95em 1.4em;margin-top:1.6rem;border-bottom:0;align-self:flex-start}
/* Mobile Top-Kategorie: Name = Link (führt zur Seite), Pfeil-Button klappt Unterpunkte auf */
.m-menu .m-split{padding:0}
.m-menu .m-split>a{flex:1;border-bottom:0;padding:.7rem 0}
.m-menu .m-split>.m-exp{flex:0 0 auto;background:none;border:0;color:var(--cream);cursor:pointer;display:flex;align-items:center;justify-content:center;padding:.6rem .1rem .6rem 1.1rem;font-size:1.5rem;line-height:1}
.m-menu .m-split>.m-exp .caret{transition:transform .25s}
.m-menu .m-split>.m-exp[aria-expanded="true"] .caret{transform:rotate(180deg)}

/* ---------- Breadcrumb ---------- */
/* Breadcrumb sits in the same dark band as the hero, so the transparent
   header keeps good contrast (cream text/white logo on dark). */
.crumb{padding-top:94px;background:var(--navy)}
.crumb .wrap{display:flex;flex-wrap:wrap;gap:.5rem;align-items:center;font-size:.82rem;color:var(--cream-dim);padding-top:1rem;padding-bottom:.2rem}
.crumb a{color:var(--cream-dim);text-decoration:none;transition:color .2s}
.crumb a:hover{color:var(--gold-lite)}
.crumb .sep{color:var(--gold);opacity:.85}
.crumb [aria-current="page"]{color:var(--cream);font-weight:600}

/* ---------- Sub-page Hero ---------- */
.phero{position:relative;overflow:hidden;background:var(--navy);color:var(--cream);padding:clamp(3rem,6vw,5rem) 0 clamp(3.5rem,7vw,6rem)}
.phero::before{content:"";position:absolute;inset:0;background:
    radial-gradient(120% 120% at 85% -10%,rgba(184,146,58,.28),transparent 55%),
    radial-gradient(90% 90% at -10% 110%,rgba(184,146,58,.12),transparent 50%),
    linear-gradient(160deg,var(--navy),var(--navy-2));z-index:0}
.phero::after{content:"";position:absolute;inset:0;opacity:.5;z-index:0;
  background-image:linear-gradient(rgba(244,244,244,.04) 1px,transparent 1px);background-size:100% 46px;
  -webkit-mask-image:linear-gradient(180deg,transparent,#000 40%,#000);mask-image:linear-gradient(180deg,transparent,#000 40%,#000)}
.phero .wrap{position:relative;z-index:2}
.phero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(2rem,5vw,4rem);align-items:center}
@media(max-width:860px){.phero-grid{grid-template-columns:1fr}}
.phero h1{color:var(--cream);font-size:clamp(2.3rem,2rem + 2.4vw,4rem);max-width:15ch;margin:.5rem 0 0}
.phero .eyebrow{color:var(--gold-lite)}
.phero .lead{color:rgba(244,244,244,.92);margin-top:1.2rem}
.phero-copy{border-left:3px solid var(--gold);padding-left:clamp(1.1rem,2.5vw,1.8rem)}
.phero .cta-row{margin-top:2rem}
/* Hero side card */
.phero-card{background:rgba(244,244,244,.06);border:1px solid var(--cream-line);border-radius:14px;padding:1.6rem 1.5rem;backdrop-filter:blur(4px)}
.phero-card h2{color:var(--cream);font-size:1.5rem;margin-bottom:1rem}
.phero-card ul{list-style:none;display:flex;flex-direction:column;gap:.75rem}
.phero-card li{display:flex;gap:.7rem;align-items:flex-start;color:rgba(244,244,244,.9);font-size:.96rem}
.phero-card li .ck{color:var(--gold-lite);flex:0 0 auto;margin-top:.15em}

/* ---------- Trust bar ---------- */
.trustbar{background:var(--navy-2);color:var(--cream);padding:1.1rem 0}
.trustbar .wrap{display:flex;flex-wrap:wrap;gap:.6rem 2.2rem;justify-content:center;align-items:center;text-align:center}
.trustbar .ti{display:inline-flex;align-items:center;gap:.5rem;font-size:.92rem;color:var(--cream-dim)}
.trustbar .ti b{font-family:var(--font-num);font-weight:600;color:var(--gold-lite);font-size:1.15rem}
.trustbar .ti .star{color:var(--gold)}

/* ---------- Coverage / product cards ---------- */
.cov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem;margin-top:2.8rem}
@media(max-width:820px){.cov-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.cov-grid{grid-template-columns:1fr}}
.cov-grid.cols-2{grid-template-columns:repeat(2,1fr)}@media(max-width:640px){.cov-grid.cols-2{grid-template-columns:1fr}}
.cov-grid.cols-4{grid-template-columns:repeat(4,1fr)}@media(max-width:900px){.cov-grid.cols-4{grid-template-columns:repeat(2,1fr)}}@media(max-width:460px){.cov-grid.cols-4{grid-template-columns:1fr}}
/* LAYOUT-SCHUTZ (wichtig): Grid-Kinder haben von Haus aus min-width:auto und koennen
   deshalb nicht unter ihre Inhaltsbreite schrumpfen. Lange deutsche Komposita
   ("Krankenversicherungen") blaehen dadurch die Spalten auf -> Kachel wird
   abgeschnitten und die Seite scrollt seitlich. min-width:0 laesst die Spalten
   schrumpfen, Wortumbruch/Silbentrennung faengt den Rest ab. */
.cov-grid>*,.team-grid>*,.steps>*,.statrow>*,.topic-cols>*,.foot-grid>*,.checks>*,.calc-grid>*,.lead-2>*,.phero-grid>*,.split .wrap>*,.office-strip>*,.split-media>*{min-width:0}
.cov h3,.cov p,.tcardm .tm-name,.tcardm .tm-focus,.tcardm p,.step h3,.specialist .nm,.specialist .rl{overflow-wrap:break-word;hyphens:auto}
/* 4-spaltige Kacheln sind schmal (~257px bei 1160px Inhaltsbreite). Etwas kleinere
   Ueberschrift + schmaleres Innenabstand-Polster, damit lange Komposita ruhiger
   umbrechen statt zerhackt zu wirken. */
.cov-grid.cols-4 .cov{padding:1.6rem 1.25rem}
.cov-grid.cols-4 .cov h3{font-size:1.18rem}
.cov{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem 1.5rem;text-decoration:none;display:flex;flex-direction:column;transition:transform .3s,border-color .3s,box-shadow .3s}
a.cov:hover{transform:translateY(-4px);border-color:var(--gold);box-shadow:var(--shadow-lift)}
.cov .ico{width:46px;height:46px;border-radius:11px;background:var(--gold-soft);color:var(--gold-ink);display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin-bottom:1.1rem;flex:0 0 46px}
.ico-svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.cov h3{font-size:1.35rem;margin-bottom:.35rem}
.cov p{color:var(--slate);font-size:.94rem;flex:1}
.cov .num{font-family:var(--font-display);font-style:italic;color:var(--gold-ink);font-size:.95rem;margin-bottom:.4rem;display:block}
.cov .go{margin-top:1rem;color:var(--gold-ink);font-weight:600;font-size:.9rem;display:inline-flex;align-items:center;gap:.4rem}
a.cov:hover .go{gap:.65rem}

/* ---------- Feature checklist ---------- */
.checks{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:.85rem 1.8rem;margin-top:2rem}
@media(max-width:640px){.checks{grid-template-columns:1fr}}
.checks li{display:flex;gap:.7rem;align-items:flex-start;color:var(--navy);font-size:1rem}
.on-dark .checks li{color:var(--cream)}
.checks li .ck{flex:0 0 auto;color:var(--gold-ink);margin-top:.15em;font-weight:700}
.on-dark .checks li .ck{color:var(--gold-lite)}

/* ---------- Split (media + text) ---------- */
.split .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,4.5rem);align-items:center}
.split.flip .wrap{grid-template-columns:.95fr 1.05fr}
.split.flip .split-media{order:-1}
@media(max-width:820px){.split .wrap,.split.flip .wrap{grid-template-columns:1fr}.split.flip .split-media{order:0}}
.split h2{font-size:clamp(2rem,1.7rem + 2.3vw,3.2rem);margin-top:.6rem}
.split-media{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-lift);background:var(--navy)}
.split-media img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}

/* ---------- Specialist card ---------- */
.specialist{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem;box-shadow:var(--shadow-card)}
.specialist .top{display:flex;gap:1rem;align-items:center;margin-bottom:1rem}
.spec-photo{width:64px;height:64px;border-radius:50%;flex:0 0 64px;background:radial-gradient(120% 120% at 30% 20%,var(--gold-lite),var(--gold-ink));display:flex;align-items:center;justify-content:center;color:#fff;font-family:var(--font-display);font-size:1.5rem;overflow:hidden}
.spec-photo img{width:100%;height:100%;object-fit:cover}
.specialist .nm{font-family:var(--font-display);font-weight:500;font-size:1.3rem;line-height:1.1}
.specialist .rl{color:var(--gold-ink);font-size:.86rem;font-weight:600}
.specialist p{color:var(--slate);font-size:.94rem}
.spec-link{margin-top:1rem;display:inline-flex;align-items:center;gap:.4rem;color:var(--gold-ink);font-weight:600;font-size:.9rem;text-decoration:none;transition:gap .25s}
.spec-link:hover{gap:.7rem}

/* ---------- Process steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:3rem}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:1.9rem;position:relative}
.step .n{font-family:var(--font-num);font-weight:600;font-size:2rem;color:var(--gold-ink);line-height:1;display:block;font-variant-numeric:tabular-nums lining-nums}
/* Karten sind immer hell (paper) — Überschrift daher dunkel, auch in .on-dark-Sektionen */
.step h3{font-size:1.55rem;margin:.4rem 0 .55rem;color:var(--navy)}
.on-dark .step h3{color:var(--navy)}
.step p{color:var(--slate);font-size:.95rem}
.step .tags{margin-top:1.1rem;color:var(--gold-ink);font-size:.82rem;font-weight:600}

/* ---------- Comparison table ---------- */
.ctable{margin-top:2.8rem;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff}
.ctable table{width:100%;border-collapse:collapse;font-size:.96rem}
.ctable th,.ctable td{padding:1rem 1.2rem;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.ctable thead th{background:var(--navy);color:var(--cream);font-family:"DM Sans";font-weight:600;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase}
.ctable thead th.hl{background:var(--navy-2)}
.ctable tbody th{font-weight:600;color:var(--navy);width:34%}
.ctable tbody tr:last-child td,.ctable tbody tr:last-child th{border-bottom:0}
.ctable col.hl,.ctable td.hl{background:var(--gold-soft-2)}
@media(max-width:640px){.ctable{overflow-x:auto}.ctable table{min-width:560px}}

.ctitle{font-family:var(--font-display);font-weight:500;font-size:1.3rem;margin:.4rem 0 .35rem}

/* ---------- Stat row ---------- */
.statrow{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem;margin-top:3rem;text-align:center}
@media(max-width:680px){.statrow{grid-template-columns:repeat(2,1fr);gap:2.4rem}}
.snum{font-family:var(--font-num);font-weight:600;font-size:clamp(2.6rem,2.2rem + 2.6vw,4rem);color:var(--gold-lite);line-height:1;font-variant-numeric:tabular-nums lining-nums;letter-spacing:-.015em}
.snum span{font-size:.55em;vertical-align:.28em;margin-left:.05em}
.on-light .snum{color:var(--gold-ink)}
.slab{margin-top:.5rem;text-transform:uppercase;font-size:.8rem;font-weight:600;letter-spacing:.13em}
.on-dark .slab{color:var(--cream)} .on-light .slab{color:var(--navy)}
.ssub{margin-top:.4rem;font-size:.9rem}
.on-dark .ssub{color:var(--cream-dim)} .on-light .ssub{color:var(--slate)}

/* ---------- Callout / note ---------- */
.callout{margin-top:2.2rem;border-left:3px solid var(--gold);background:var(--paper);border-radius:0 var(--radius) var(--radius) 0;padding:1.4rem 1.6rem}
.callout .k{font-family:var(--font-display);font-weight:500;font-size:1.25rem;color:var(--navy);margin-bottom:.3rem}
.callout p{color:var(--slate);font-size:.96rem;max-width:74ch}
.on-dark .callout{background:rgba(244,244,244,.06)} .on-dark .callout .k{color:var(--cream)} .on-dark .callout p{color:var(--cream-dim)}

/* pills */
.pills{display:flex;flex-wrap:wrap;gap:.55rem;margin-top:1.6rem}
.pill{font-size:.82rem;font-weight:600;color:var(--gold-ink);background:var(--gold-soft);border:1px solid rgba(184,146,58,.3);border-radius:999px;padding:.4em .9em}
.on-dark .pill{color:var(--gold-lite);background:rgba(184,146,58,.14);border-color:rgba(201,169,97,.3)}

/* ---------- Marquee (partners) ---------- */
.pmarquee{overflow:hidden;margin-top:2.6rem;-webkit-mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent);mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}
.ptrack{display:flex;gap:1rem;width:max-content;animation:pmarq 42s linear infinite}
.pmarquee:hover .ptrack{animation-play-state:paused}
@keyframes pmarq{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.plogo2{flex:0 0 auto;width:190px;height:100px;background:#fff;border:1px solid var(--line);border-radius:12px;display:flex;align-items:center;justify-content:center;padding:1.3rem}
.plogo2 img{max-width:80%;max-height:46px;object-fit:contain}

/* ---------- FAQ ---------- */
.faqwrap{max-width:820px;margin:2.6rem auto 0}
.faqi{border-bottom:1px solid var(--line)}
.faqi summary{cursor:pointer;list-style:none;padding:1.35rem 0;font-family:var(--font-display);font-weight:500;font-size:1.35rem;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:1rem;overflow-wrap:break-word;-webkit-hyphens:auto;hyphens:auto}
.faqi summary>span:not(.faqp){min-width:0}
@media(max-width:520px){.faqi summary{font-size:1.12rem}}
.faqi summary::-webkit-details-marker{display:none}
.faqp{color:var(--gold-ink);font-size:1.5rem;line-height:1;transition:transform .25s;flex:0 0 auto}
.faqi[open] .faqp{transform:rotate(45deg)}
.faqa{padding:0 0 1.4rem;color:var(--slate);font-size:1rem;line-height:1.6;max-width:74ch}
.faqa a{color:var(--gold-ink);text-decoration:underline;text-underline-offset:2px}

/* ---------- Final CTA band ---------- */
.final{background:linear-gradient(120deg,rgba(9,26,41,.96),rgba(9,26,41,.9)),radial-gradient(90% 120% at 90% 0,rgba(184,146,58,.4),transparent 60%),var(--navy-2);text-align:center;color:var(--cream)}
.final h2{color:var(--cream);font-size:clamp(2.2rem,1.8rem + 3vw,4rem);max-width:18ch;margin:.7rem auto 0}
.final .lead{color:var(--cream-dim);margin:1.2rem auto 0;text-align:center}
.final .cta-row{justify-content:center}

/* ---------- Footer ---------- */
footer.site{background:var(--navy-2);color:var(--cream-dim);padding:4rem 0 2.4rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr 1fr}}@media(max-width:460px){.foot-grid{grid-template-columns:1fr}}
footer.site .logo-img{filter:brightness(0) invert(1);margin-bottom:1rem;height:32px}
/* Telefon im Footer – Pendant zur gleichnamigen Regel im Inline-CSS der Startseite */
.foot-tel{display:inline-flex;align-items:center;gap:.5em;margin-top:.9rem;color:var(--cream-dim);text-decoration:none;font-size:1rem;font-weight:600;transition:color .2s}
.foot-tel:hover{color:var(--gold)}
footer.site h2{text-transform:uppercase;letter-spacing:.18em;font-size:.72rem;color:var(--gold);margin-bottom:1rem;font-weight:600}
footer.site a{color:var(--cream-dim);text-decoration:none;display:block;margin-bottom:.5rem;font-size:.95rem;transition:color .2s}
footer.site a:hover{color:var(--gold)}
footer.site p{max-width:32ch;font-size:.95rem}
.foot-bottom{border-top:1px solid var(--cream-line);margin-top:3rem;padding-top:1.6rem;font-size:.82rem;color:rgba(244,244,244,.42);display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s,transform .7s}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto}.reveal{opacity:1;transform:none}.ptrack{animation:none}}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* ---------- Rechner / Calculators ---------- */
.calc{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lift);overflow:hidden;margin-top:2.6rem}
.calc-grid{display:grid;grid-template-columns:1fr 1fr}
@media(max-width:860px){.calc-grid{grid-template-columns:1fr}}
.calc-form{padding:clamp(1.5rem,3vw,2.4rem)}
.calc-form .ctitle,.calc-result .ctitle{font-family:var(--font-display);font-weight:500;font-size:1.5rem;margin-bottom:1.4rem;line-height:1.1}
.field{margin-bottom:1.05rem}
.field>label{display:block;font-size:.85rem;font-weight:600;color:var(--slate);margin-bottom:.4rem}
.field .hint{font-weight:400;color:var(--slate);opacity:.8}
.inp{display:flex;align-items:center;border:1px solid var(--line);border-radius:8px;background:var(--paper);transition:border-color .2s,box-shadow .2s}
.inp:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-soft)}
.inp input{flex:1;min-width:0;border:0;background:none;padding:.72rem .85rem;font:inherit;font-size:1rem;color:var(--navy);outline:none}
.inp .suf{padding:0 .9rem;color:var(--slate);font-weight:600;font-size:.95rem;border-left:1px solid var(--line);white-space:nowrap}
.field select{width:100%;border:1px solid var(--line);border-radius:8px;background:var(--paper);padding:.72rem .85rem;font:inherit;font-size:1rem;color:var(--navy);outline:none;cursor:pointer}
.field select:focus{border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-soft)}
.field textarea{width:100%;border:1px solid var(--line);border-radius:8px;background:var(--paper);padding:.72rem .85rem;font:inherit;font-size:1rem;color:var(--navy);outline:none;resize:vertical;min-height:84px}
.field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-soft)}
.seg{display:flex;gap:.35rem;background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:.3rem}
.seg label{flex:1;text-align:center;padding:.55rem .5rem;border-radius:6px;font-size:.9rem;font-weight:600;color:var(--slate);cursor:pointer;transition:background .2s,color .2s;user-select:none;display:flex;align-items:center;justify-content:center;gap:.4rem}
.seg input{position:absolute;width:1px;height:1px;opacity:0;pointer-events:none}
.seg label:has(input:checked),.seg label.on{background:var(--navy);color:var(--cream)}
.calc-form .btn{margin-top:.6rem;width:100%;justify-content:center}
.calc-result{background:var(--navy);color:var(--cream);padding:clamp(1.5rem,3vw,2.4rem);display:flex;flex-direction:column}
.calc-result .ctitle{color:var(--cream)}
.rhead .lbl{font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--cream-dim);font-weight:600}
.rnum{font-family:var(--font-num);font-weight:600;font-size:clamp(2.4rem,2rem + 2.4vw,3.6rem);color:var(--gold-lite);line-height:1.05;margin-top:.15rem;font-variant-numeric:tabular-nums lining-nums;letter-spacing:-.015em}
.rnum .cur{font-size:.55em;vertical-align:.18em;margin-left:.08em}
.rsub{color:var(--cream-dim);font-size:.92rem;margin-top:.3rem}
.rrows{margin-top:1.2rem}
.rrow{display:flex;justify-content:space-between;gap:1rem;padding:.62rem 0;border-top:1px solid var(--cream-line);font-size:.95rem;color:var(--cream-dim)}
.rrow b{color:var(--cream);font-weight:600;font-variant-numeric:tabular-nums}
.chartbox{margin-top:1.3rem}
.chartbox svg{display:block;width:100%;height:auto;overflow:visible}
.chart-legend{display:flex;gap:1.3rem;margin-top:.7rem;font-size:.8rem;color:var(--cream-dim);flex-wrap:wrap}
.chart-legend .k{display:inline-flex;align-items:center;gap:.45rem}
.chart-legend .dot{width:11px;height:3px;border-radius:2px;display:inline-block}
.calc-note{font-size:.8rem;line-height:1.55;margin-top:1.5rem;color:var(--slate)}
.calc-result .calc-note{color:rgba(244,244,244,.5);border-top:1px solid var(--cream-line);padding-top:1rem}
.calc-cta{margin-top:1.3rem}
.calc-cta .btn{width:100%;justify-content:center}

/* ---------- Motion & Extras ---------- */
.reveal{transition:opacity .8s cubic-bezier(.22,.61,.36,1),transform .8s cubic-bezier(.22,.61,.36,1)}
/* Akzentwörter: goldene Unterstreichung zeichnet sich beim Reveal ein */
h1 .accent,h2 .accent{position:relative}
h1 .accent::after,h2 .accent::after{content:"";position:absolute;left:0;right:0;bottom:-.04em;height:.055em;background:currentColor;opacity:.42;border-radius:2px;transform-origin:left center;transition:transform 1s cubic-bezier(.22,.61,.36,1) .35s}
.reveal h1 .accent::after,.reveal h2 .accent::after{transform:scaleX(0)}
.reveal.in h1 .accent::after,.reveal.in h2 .accent::after{transform:scaleX(1)}
/* Zahlen: gleichmäßige Breite während des Hochzählens */
.snum,.trustbar .ti b{font-variant-numeric:tabular-nums}
/* ---------- USP-/Vorteils-Animationen: gestaffelte Häkchen & Karten ---------- */
.checks li{opacity:0;transform:translateY(9px)}
.checks.stg-in li{opacity:1;transform:none;transition:opacity .55s ease var(--sd,0s),transform .6s cubic-bezier(.22,.61,.36,1) var(--sd,0s)}
.checks li .ck{display:inline-flex;transform:scale(.15);transform-origin:center}
.checks.stg-in li .ck{transform:scale(1);transition:transform .6s cubic-bezier(.2,1.55,.45,1) var(--sd,0s)}
.reveal[style*="--sd"]{transition-delay:var(--sd,0s)}
@media(prefers-reduced-motion:reduce){.checks li,.checks li .ck{opacity:1!important;transform:none!important}}
/* ---------- Grafische Bewegung: 3D-Neigung der Karten & Maus-Parallax-Aura ---------- */
.tilt3d{position:relative;transform-style:preserve-3d;will-change:transform;transition:transform .16s ease-out,box-shadow .3s,border-color .3s}
.tilt3d::after{content:"";position:absolute;inset:0;border-radius:inherit;z-index:3;pointer-events:none;opacity:0;transition:opacity .4s;
  background:radial-gradient(210px 210px at var(--mx,50%) var(--my,50%),rgba(201,169,97,.22),transparent 56%)}
.tilt3d:hover::after{opacity:1}
.tilt3d>*{transform:translateZ(0.01px)}
.sec-aura{position:absolute;inset:-16% -10%;z-index:0;pointer-events:none;will-change:transform;transition:transform .55s cubic-bezier(.22,.61,.36,1);
  background:radial-gradient(38% 48% at 26% 28%,var(--gold-soft),transparent 70%),radial-gradient(34% 44% at 78% 72%,var(--gold-soft-2),transparent 72%)}
@media(prefers-reduced-motion:reduce){.sec-aura{display:none}.tilt3d{transition:none}}
/* Punktuelle Lichtpunkte, wellenartig – im Kasten beschnitten */
.flow-dot{position:absolute;z-index:0;pointer-events:none;border-radius:50%;will-change:transform}
@keyframes waveA{0%,100%{transform:translate(0,0) scale(1)}25%{transform:translate(42%,-32%) scale(1.3)}50%{transform:translate(-28%,24%) scale(.8)}75%{transform:translate(22%,36%) scale(1.18)}}
@keyframes waveB{0%,100%{transform:translate(0,0) scale(1)}25%{transform:translate(-38%,28%) scale(1.24)}50%{transform:translate(32%,-26%) scale(.84)}75%{transform:translate(-20%,-34%) scale(1.16)}}
@keyframes waveC{0%,100%{transform:translate(0,0) scale(1)}33%{transform:translate(34%,30%) scale(1.32)}66%{transform:translate(-30%,-22%) scale(.86)}}
@media(prefers-reduced-motion:reduce){.flow-dot{animation:none!important}}
/* ---------- Überschriften Wort für Wort + Karten aus der Tiefe ---------- */
.rw{display:inline-block;overflow:hidden;vertical-align:top;line-height:1.12}
.rwi{display:inline-block;transform:translateY(120%);transition:transform .8s cubic-bezier(.19,.9,.22,1)}
.words-in .rwi{transform:translateY(0)}
.reveal[style*="--sd"]{transform:translateY(48px) scale(.92)}
.reveal[style*="--sd"].in{transform:none}
@media(prefers-reduced-motion:reduce){.rwi{transform:none!important}.reveal[style*="--sd"]{transform:none!important}}
/* "Aufgehen"-Reveal für Kachel-Gruppen (Rechner, Bereiche, Themen) */
.rise-up{opacity:0;transform:scale(.78) translateY(30px)}
.rise-up.risen{opacity:1;transform:none;transition:opacity .7s ease var(--sd,0s),transform 1s cubic-bezier(.16,.86,.28,1) var(--sd,0s)}
@media(prefers-reduced-motion:reduce){.rise-up{opacity:1!important;transform:none!important}}
/* Fließende Konturen: Symbole zeichnen sich, Kachel blendet ein */
.draw-svg.pending *{stroke-dasharray:1;stroke-dashoffset:1}
.draw-svg.pending.drawn *{stroke-dashoffset:0;transition:stroke-dashoffset 1.5s ease calc(var(--sd,0s) + .3s)}
.flow{opacity:0;transform:translateY(22px)}
.flow.flow-in{opacity:1;transform:none;transition:opacity .7s ease var(--sd,0s),transform .85s cubic-bezier(.2,.8,.3,1) var(--sd,0s)}
@media(prefers-reduced-motion:reduce){.flow{opacity:1!important;transform:none!important}.draw-svg.pending *{stroke-dashoffset:0!important}}
/* Hero: sehr langsames Driften des Verlaufs für Lebendigkeit */
@keyframes valorDrift{0%,100%{transform:translate3d(0,0,0)}50%{transform:translate3d(-2%,1.4%,0) scale(1.05)}}
.phero::before{animation:valorDrift 26s ease-in-out infinite}
/* Karten: sanfter Goldschimmer am Rand beim Hover (zusätzlich zum Anheben) */
a.cov:hover{box-shadow:0 24px 50px -28px rgba(9,26,41,.42),0 0 0 1px rgba(184,146,58,.4)}
.specialist,.step,.calc{transition:transform .5s cubic-bezier(.22,.61,.36,1),box-shadow .5s}
@media(prefers-reduced-motion:reduce){.phero::before{animation:none}h1 .accent::after,h2 .accent::after{transform:scaleX(1)!important;transition:none}}

/* ---------- Lead-Formular (Modal) ---------- */
.lead-modal{position:fixed;inset:0;z-index:200;display:flex;align-items:center;justify-content:center;padding:1.2rem}
.lead-modal[hidden]{display:none}
.lead-backdrop{position:absolute;inset:0;background:rgba(16,23,33,.62);backdrop-filter:blur(4px);opacity:0;transition:opacity .3s}
.lead-modal.show .lead-backdrop{opacity:1}
.lead-panel{position:relative;z-index:1;width:100%;max-width:540px;max-height:92vh;overflow:auto;background:var(--paper);border:1px solid var(--line);border-radius:16px;box-shadow:0 40px 80px -30px rgba(16,23,33,.6);padding:clamp(1.6rem,3vw,2.4rem);transform:translateY(18px) scale(.98);opacity:0;transition:transform .35s cubic-bezier(.22,.61,.36,1),opacity .3s}
.lead-modal.show .lead-panel{transform:none;opacity:1}
.lead-x{position:absolute;top:.8rem;right:.9rem;width:38px;height:38px;border:0;background:none;color:var(--slate);font-size:1.7rem;line-height:1;cursor:pointer;border-radius:8px;transition:background .2s,color .2s}
.lead-x:hover{background:rgba(14,42,64,.06);color:var(--navy)}
.lead-chip{display:inline-flex;align-items:center;gap:.4rem;font-size:.78rem;font-weight:600;color:var(--gold-ink);background:var(--gold-soft);border:1px solid rgba(184,146,58,.3);border-radius:999px;padding:.3em .8em;margin-bottom:.8rem}
.lead-h{font-size:clamp(1.6rem,1.3rem + 1.4vw,2.2rem);margin:.1rem 0 .3rem}
.lead-sub{color:var(--slate);font-size:.96rem;margin-bottom:1.2rem;max-width:44ch}
.lead-2{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
@media(max-width:480px){.lead-2{grid-template-columns:1fr}}
.lead-ok{text-align:center;padding:1rem 0 .5rem}
/* Honeypot gegen Formular-Spam: fuer Menschen unsichtbar, Bots fuellen es aus.
   Bewusst NICHT display:none — manche Bots ueberspringen versteckte Felder. */
.lead-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.lead-ok .ok-ic{width:58px;height:58px;border-radius:50%;background:var(--gold-soft);color:var(--gold-ink);display:flex;align-items:center;justify-content:center;margin:0 auto 1rem}
.lead-ok h3{font-size:1.7rem;margin-bottom:.4rem}
.lead-ok p{color:var(--slate);max-width:40ch;margin:0 auto}
.lead-alt{margin-top:1.2rem;font-size:.86rem;color:var(--slate);text-align:center}
.lead-alt a{color:var(--gold-ink);font-weight:600;text-decoration:none}
.lead-alt a:hover{text-decoration:underline}
body.lead-open{overflow:hidden}

/* ---------- Aufklappbare Themen (Accordion) ---------- */
.topics{margin-top:2.6rem;display:flex;flex-direction:column;gap:.9rem}
.topic{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:border-color .3s,box-shadow .3s}
.topic.open{border-color:var(--gold);box-shadow:var(--shadow-card)}
/* Die Ueberschrift umschliesst den Knopf (W3C-Akkordeon-Muster): so ist das Thema
   eine echte h3 fuer Suchmaschinen und Screenreader, die Zeile bleibt aber klickbar.
   Alle Textstile stehen weiterhin an .topic-title — die h3 selbst ist neutral. */
.topic-h{margin:0;font:inherit;font-weight:inherit;letter-spacing:inherit;color:inherit}
.topic-head{width:100%;display:flex;align-items:center;gap:1.1rem;padding:1.25rem 1.5rem;background:none;border:0;cursor:pointer;text-align:left;font-family:inherit}
.topic-t{flex:1;min-width:0}
.topic-title{display:block;font-family:var(--font-display);font-weight:500;font-size:1.35rem;color:var(--navy);line-height:1.12;overflow-wrap:break-word;-webkit-hyphens:auto;hyphens:auto}
.topic-teaser{display:block;color:var(--slate);font-size:.92rem;margin-top:.12rem}
.topic-plus{flex:0 0 auto;width:30px;height:30px;border-radius:50%;border:1px solid var(--line);color:var(--gold-ink);display:flex;align-items:center;justify-content:center;font-size:1.35rem;line-height:1;transition:transform .35s cubic-bezier(.22,.61,.36,1),background .3s,border-color .3s}
.topic.open .topic-plus{transform:rotate(135deg);background:var(--gold-soft);border-color:var(--gold)}
.topic-body{display:grid;grid-template-rows:0fr;transition:grid-template-rows .45s cubic-bezier(.22,.61,.36,1)}
.topic.open .topic-body{grid-template-rows:1fr}
.topic-inner{overflow:hidden;min-height:0}
.topic-pad{padding:.2rem 1.5rem 1.5rem}
.topic-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem}
@media(max-width:680px){.topic-cols{grid-template-columns:1fr;gap:1rem}}
.topic-cols h4{font-family:"DM Sans";text-transform:uppercase;letter-spacing:.1em;font-size:.72rem;color:var(--gold-ink);margin-bottom:.35rem;font-weight:700}
.topic-cols p{color:var(--slate);font-size:.95rem;line-height:1.55}
.topic-cost{font-family:var(--font-display);color:var(--navy);font-weight:600;font-size:1.15rem}
.topic-cost small{font-family:"DM Sans";color:var(--slate);font-weight:400;font-size:.82rem;display:block;margin-top:.15rem}
.topic-cta{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.4rem;padding-top:1.3rem;border-top:1px solid var(--line)}
.topic-cta .btn{font-size:.9rem;padding:.7em 1.2em}
.topic-eg{margin-top:1.1rem;background:var(--gold-soft-2);border-left:3px solid var(--gold);border-radius:0 8px 8px 0;padding:.8rem 1rem;font-size:.93rem;line-height:1.55;color:var(--navy)}
.topic-eg b{color:var(--gold-ink)}
/* Produktfotos im Accordion: Thumbnail im Kopf + Banner im aufgeklappten Bereich */
.topic-thumb{width:92px;height:66px;flex:0 0 92px;border-radius:10px;overflow:hidden;background:var(--navy);box-shadow:0 6px 16px -12px rgba(9,26,41,.55)}
.topic-thumb img{width:100%;height:100%;object-fit:cover;transition:transform .6s cubic-bezier(.22,.61,.36,1)}
.topic:hover .topic-thumb img,.topic.open .topic-thumb img{transform:scale(1.06)}
/* Bildrahmen NICHT ueber eine feste Hoehe definieren: bei ~1030px Breite und 218px Hoehe
   war das Verhaeltnis fast 5:1, von einem 3:2-Foto blieben nur ~32 % der Hoehe sichtbar
   -> Koepfe wurden abgeschnitten. 21:9 zeigt ~64 % der Bildhoehe; damit passen alle
   55 Motive, ohne dass pro Bild eine eigene object-position noetig ist. */
.topic-figure{position:relative;border-radius:12px;overflow:hidden;margin:0 0 1.5rem;aspect-ratio:21/9;background:var(--navy)}
.topic-figure img{width:100%;height:100%;object-fit:cover;object-position:50% 35%;display:block}
.topic-figure::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(9,26,41,0) 45%,rgba(9,26,41,.48));pointer-events:none}
.tf-badge{position:absolute;left:14px;bottom:14px;width:44px;height:44px;border-radius:10px;background:rgba(184,146,58,.94);color:#0E2A40;display:flex;align-items:center;justify-content:center;z-index:1;box-shadow:0 8px 18px -8px rgba(9,26,41,.6)}
.tf-badge .ico-svg{width:24px;height:24px}
@media(max-width:680px){.topic-thumb{width:66px;height:58px;flex-basis:66px}.topic-head{gap:.9rem;padding:1.05rem 1.15rem}.topic-title{font-size:1.14rem}.topic-teaser{font-size:.86rem}}
@media(max-width:420px){.topic-thumb{width:52px;height:52px;flex-basis:52px}.topic-title{font-size:1.04rem}.topic-plus{width:26px;height:26px;font-size:1.2rem}}

/* ---------- Team / Berater ---------- */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2.8rem}
@media(max-width:860px){.team-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.team-grid{grid-template-columns:1fr}}
.tcardm{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem 1.6rem;display:flex;flex-direction:column;text-decoration:none;box-shadow:var(--shadow-card);transition:transform .45s cubic-bezier(.22,.61,.36,1),border-color .3s,box-shadow .3s}
a.tcardm:hover{transform:translateY(-4px);border-color:var(--gold);box-shadow:var(--shadow-lift)}
.tcardm .tm-top{display:flex;align-items:center;gap:1.1rem;margin-bottom:1.1rem}
.tm-photo{width:74px;height:74px;border-radius:50%;flex:0 0 74px;background:radial-gradient(120% 120% at 30% 20%,var(--gold-lite),var(--gold-ink));display:flex;align-items:center;justify-content:center;color:#fff;font-family:var(--font-display);font-size:1.5rem;letter-spacing:.03em;overflow:hidden}
.tm-photo img{width:100%;height:100%;object-fit:cover}
.tm-name{font-family:var(--font-display);font-weight:500;font-size:1.35rem;line-height:1.1;color:var(--navy)}
.tm-focus{color:var(--gold-ink);font-size:.86rem;font-weight:600;margin-top:.18rem}
.tcardm p{color:var(--slate);font-size:.94rem;flex:1;margin-top:.2rem}
.tm-go{margin-top:1.1rem;color:var(--gold-ink);font-weight:600;font-size:.9rem;display:inline-flex;align-items:center;gap:.4rem}
a.tcardm:hover .tm-go{gap:.65rem}
/* Platzhalter-Kachel (noch kein Berater-Profil verlinkt) – nicht klickbar */
.tcardm-soon{cursor:default}
.tm-soon{margin-top:1.1rem;color:var(--slate);font-weight:600;font-size:.86rem;letter-spacing:.02em;display:inline-block}


/* ---------- Mehr Animationen ---------- */
.nav-link{position:relative}
.nav-link::after{content:"";position:absolute;left:0;right:100%;bottom:-5px;height:2px;background:var(--gold);border-radius:2px;transition:right .3s cubic-bezier(.22,.61,.36,1)}
.nav-link:hover::after{right:0}
header.site.solid .nav-link::after,header.site.scrolled .nav-link::after{background:var(--gold-ink)}
.btn-gold{position:relative;overflow:hidden}
.btn-gold::after{content:"";position:absolute;top:0;left:-80%;width:55%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.4),transparent);transform:skewX(-20deg);pointer-events:none}
.btn-gold:hover::after{animation:btnShine .7s ease}
@keyframes btnShine{from{left:-80%}to{left:140%}}
.scrollbar{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--gold-ink),var(--gold-lite));z-index:70;pointer-events:none}
.totop{position:fixed;right:1.3rem;bottom:1.3rem;width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--cream);border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;cursor:pointer;opacity:0;transform:translateY(12px);transition:opacity .3s,transform .3s,background .2s,color .2s;z-index:65}
.totop.show{opacity:1;transform:none}
.totop:hover{background:var(--gold);color:#0E2A40}
@media(prefers-reduced-motion:reduce){.btn-gold::after{display:none}.nav-link::after{transition:none}.topic-body{transition:none}.lead-panel,.lead-backdrop{transition:none}.totop{transition:none}}


/* ============================================================
   Vorher/Nachher-Schalter (Ohne <-> Mit Valor)
   Sektionsklasse: .pz-sec  -  identisch zur Startseite (dort inline).
   Geordnete Anordnung = Grid mit Valor-Kern in der Mitte; im Zustand
   .is-off werden die Karten nur per transform aus dem Raster gestreut.
   ============================================================ */
/* Dunkler Auftritt: weisse Karten schweben ueber tiefem Navy. Beim Umlegen
   waermt sich der Hintergrund golden auf ("Ordnung kommt rein"). */
/* Buero-Aussenansicht liegt ganz hinten, darueber ein bläulicher Navy-Schleier.
   Darauf kommen (per JS injiziert) die driftenden Gold-/Blau-Lichtpunkte. */
/* Auf den Themenseiten folgt diese Sektion direkt auf den Navy-Hero -> Blau auf
   Blau haette keine Trennung. Deshalb hier ein warmer, tiefer Espresso-Ton:
   setzt sich klar vom Hero ab und harmoniert mit dem Gold. */
.pz-sec{position:relative;overflow:hidden;
  background-color:#091A29;
  background-image:linear-gradient(180deg,rgba(30,25,19,.965) 0%,rgba(33,27,20,.93) 34%,rgba(40,33,24,.88) 62%,rgba(30,25,19,.94) 100%),url("../assets/standort/aussen-bg.webp");
  background-size:cover;background-position:center;background-repeat:no-repeat}
/* Die global injizierten Lichtpunkte sind navy-/blaustichig - auf dem warmen
   Grund waermer und dezenter einfaerben, sonst wirkt es muddy. */
.pz-sec .flow-dot{filter:sepia(.55) saturate(1.25) hue-rotate(-12deg);opacity:.75}
.pz-sec .sec-aura{opacity:.8}
.pz-sec::before{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;opacity:0;
  transition:opacity 1.2s ease;
  background:radial-gradient(58% 52% at 50% 46%,rgba(184,146,58,.16),transparent 72%)}
.pz-sec.is-on::before{opacity:1}
.pz{margin-top:2.6rem}
/* Reichlich Abstand + eigener Stapelkontext: die nach oben gestreuten Karten
   (bis -62px) duerfen den Schalter niemals ueberdecken. */
.pz-switch{display:flex;align-items:center;justify-content:center;gap:1rem;margin-bottom:9.5rem;flex-wrap:wrap;position:relative;z-index:10}
.pz-lbl{font-weight:600;font-size:1rem;color:var(--cream-dim);transition:color .45s}
.pz-lbl b{font-family:var(--font-display);font-weight:500}
.pz.is-off .pz-lbl-off,.pz.is-on .pz-lbl-on{color:var(--cream)}
.pz-toggle{width:76px;height:38px;flex:0 0 76px;border-radius:999px;border:1px solid var(--cream-line);background:rgba(244,244,244,.13);position:relative;cursor:pointer;padding:0;transition:background .45s,border-color .45s}
.pz-toggle:focus-visible{outline:2px solid var(--gold-lite);outline-offset:3px}
.pz.is-on .pz-toggle{background:var(--gold);border-color:var(--gold)}
.pz-knob{position:absolute;top:4px;left:4px;width:28px;height:28px;border-radius:50%;background:var(--cream);transition:transform .5s cubic-bezier(.22,.61,.36,1),background .45s}
.pz.is-on .pz-knob{transform:translateX(38px);background:var(--navy)}
/* --k skaliert die Streuung je nach Viewport (0 = nur Drehung, kein Versatz) */
.pz{--k:1}
@media(max-width:1400px){.pz{--k:.9}}
@media(max-width:1200px){.pz{--k:.72}}
@media(max-width:1000px){.pz{--k:.5}}
@media(max-width:860px){.pz{--k:.34}}
@media(max-width:560px){.pz{--k:0}}
/* Buehne: traegt die Verbindungslinien (SVG, dahinter) und das Raster.
   Geordneter Zustand = Valor-Kern in der Mitte, Themen links/rechts daneben. */
.pz-stage{position:relative}
.pz-lines{position:absolute;inset:0;width:100%;height:100%;z-index:0;pointer-events:none;overflow:visible}
.pz-lines path{fill:none;stroke:var(--cream-line);stroke-width:1.5;stroke-dasharray:6 9;opacity:.85;
  transition:stroke .9s ease,opacity .9s ease,stroke-dasharray .9s ease}
.pz.is-on .pz-lines path{stroke:rgba(184,146,58,.6);stroke-dasharray:5 7;opacity:1}
.pz-grid{display:grid;grid-template-columns:1fr minmax(170px,210px) 1fr;grid-template-rows:repeat(3,auto);
  gap:1.5rem 2.2rem;max-width:960px;margin-inline:auto;align-items:center}
/* Valor-Kern: erscheint erst, wenn Ordnung einkehrt */
.pz-core{grid-column:2;grid-row:1 / 4;justify-self:center;align-self:center;position:relative;z-index:6;
  width:170px;height:170px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:radial-gradient(circle at 50% 42%,rgba(184,146,58,.22),rgba(9,26,41,.75) 70%);
  border:1px solid rgba(184,146,58,.55);
  box-shadow:0 0 0 12px rgba(184,146,58,.06),0 26px 60px -30px rgba(0,0,0,.7);
  opacity:0;transform:scale(.28) rotate(-30deg);
  transition:opacity .45s ease .2s,transform 1s cubic-bezier(.18,1.5,.32,1) .2s}
.pz.is-on .pz-core{opacity:1;transform:scale(1) rotate(0deg)}
/* Ring strahlt beim Erscheinen aus und atmet danach weiter */
.pz-core::after{content:"";position:absolute;inset:-8px;border-radius:50%;pointer-events:none;
  border:1px solid rgba(184,146,58,.55);opacity:0}
.pz.is-on .pz-core::after{animation:pzPulse 2.8s cubic-bezier(.2,.6,.3,1) .6s infinite}
@keyframes pzPulse{0%{opacity:.8;transform:scale(.85)}65%{opacity:0;transform:scale(1.45)}100%{opacity:0;transform:scale(1.45)}}
/* Logo kommt zeitversetzt hinterher */
.pz-core img{width:110px;height:auto;filter:brightness(0) invert(1);
  opacity:0;transform:scale(.6);
  transition:opacity .45s ease .62s,transform .7s cubic-bezier(.34,1.5,.44,1) .62s}
.pz.is-on .pz-core img{opacity:1;transform:scale(1)}
/* Slot = Streuung/Ordnung (Transition). Karte darin = dauerhafte Eigenbewegung (Animation). */
.pz-slot{position:relative;z-index:var(--z,1);will-change:transform;
  transition:transform 1s cubic-bezier(.34,1.28,.44,1)}
.pz.is-off .pz-slot{transform:translate(calc(var(--tx,0px) * var(--k)),calc(var(--ty,0px) * var(--k))) rotate(var(--rot,0deg)) scale(var(--sc,1))}
.pz.is-on .pz-slot{transform:none;transition-delay:var(--d,0s)}
.pz-card{display:flex;align-items:flex-start;gap:.9rem;background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.15rem 1.2rem;
  box-shadow:0 14px 34px -28px rgba(9,26,41,.4);
  transition:transform .7s ease,box-shadow .6s,border-color .6s}
.pz.is-off .pz-card{animation:pzDrift var(--dur,11s) ease-in-out infinite;animation-delay:var(--del,0s)}
.pz.is-on .pz-card{animation:none;transform:none;border-color:rgba(184,146,58,.42);box-shadow:0 18px 44px -30px rgba(9,26,41,.34)}
@keyframes pzDrift{
  0%,100%{transform:translate(0,0) rotate(0deg) scale(1)}
  20%{transform:translate(17px,-22px) rotate(3.2deg) scale(1.02)}
  45%{transform:translate(-15px,17px) rotate(-2.8deg) scale(.985)}
  70%{transform:translate(-21px,-13px) rotate(2deg) scale(1.012)}
  86%{transform:translate(13px,10px) rotate(-1.4deg) scale(.995)}
}
.pz-ico{flex:0 0 38px;width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;background:var(--cream);color:var(--slate);transition:background .5s,color .5s}
.pz.is-on .pz-ico{background:rgba(184,146,58,.16);color:var(--gold-ink)}
.pz-ico svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.pz-t{font-family:var(--font-display);font-weight:500;font-size:1.02rem;line-height:1.2;color:var(--navy)}
.pz-s{display:grid;margin-top:.2rem}
.pz-bad,.pz-good{grid-area:1/1;font-size:.86rem;font-weight:600;transition:opacity .5s,transform .5s}
.pz-bad{color:#b0705d}
.pz-good{color:var(--gold-ink)}
.pz.is-off .pz-good{opacity:0;transform:translateY(5px)}
.pz.is-on .pz-bad{opacity:0;transform:translateY(-5px)}
.pz-hint{text-align:center;margin-top:9.5rem;color:var(--cream-dim);font-size:.9rem;transition:opacity .45s;position:relative;z-index:10}
.pz.is-on .pz-hint{opacity:0}
/* Schmal: Einspalter, Valor-Kern oben, Verbindungslinien ergeben hier keinen Sinn */
@media(max-width:900px){
  .pz-grid{grid-template-columns:minmax(0,1fr);grid-template-rows:none;gap:1rem;max-width:520px}
  .pz-slot{grid-column:1!important;grid-row:auto!important}
  .pz-core{grid-column:1;grid-row:auto;order:-1;width:140px;height:140px;margin:0 auto 1.8rem}
  .pz-core img{width:78px}
  .pz-lines{display:none}
}
@media(prefers-reduced-motion:reduce){
  .pz-slot,.pz-card,.pz-knob,.pz-bad,.pz-good,.pz-ico,.pz-hint,.pz-core,.pz-core img{transition:none}
  .pz.is-off .pz-slot{transform:none}
  .pz.is-off .pz-card{animation:none}
  .pz.is-on .pz-core{transform:none}
  .pz.is-on .pz-core img{transform:none}
  .pz.is-on .pz-core::after{animation:none}
}

/* Lange deutsche Komposita in Ueberschriften ("Krankenversicherung") koennen
   breiter sein als der Viewport und schieben dann die ganze Seite auf.
   Ueberschriften duerfen daher umbrechen / getrennt werden (lang="de" ist gesetzt). */
h1,h2,h3,.tm-name,.pz-t,.nm,.ttitle{overflow-wrap:break-word;hyphens:auto;hyphenate-limit-chars:10 4 4}

/* Auf schmalen Displays ist seitlich kaum Luft: Drift deutlich gedaempfter,
   sonst stossen die Karten waehrend der Bewegung an den Bildschirmrand. */
@media(max-width:560px){
  @keyframes pzDrift{
    0%,100%{transform:translate(0,0) rotate(0deg) scale(1)}
    20%{transform:translate(6px,-10px) rotate(1.4deg) scale(1.004)}
    45%{transform:translate(-5px,8px) rotate(-1.2deg) scale(.997)}
    70%{transform:translate(-7px,-6px) rotate(.9deg) scale(1.003)}
    86%{transform:translate(5px,5px) rotate(-.6deg) scale(1)}
  }
}

/* ---- Themenseiten: HELLE Variante ----------------------------------------
   Zweimal Dunkel hintereinander (Navy-Hero + dunkle Sektion) war zu schwer.
   Hier daher weisser Grund, die Villa liegt nur noch als zartes Wasserzeichen
   darunter. Der Valor-Kern wird zum dunklen Anker im hellen Feld.
   (Die Startseite nutzt .potenzial und bleibt bewusst dunkel.)            */
.pz-sec{background-color:#FAFAF7;
  background-image:linear-gradient(180deg,rgba(255,255,255,.955) 0%,rgba(253,251,247,.925) 34%,rgba(251,248,242,.90) 62%,rgba(255,255,255,.95) 100%),url("../assets/standort/aussen-bg.webp")}
.pz-sec::before{background:radial-gradient(58% 52% at 50% 46%,rgba(184,146,58,.22),transparent 72%)}
/* Karten brauchen auf hellem Grund mehr Kante und Tiefe */
.pz-sec .pz-card{border-color:#DEE1E1;box-shadow:0 18px 42px -26px rgba(9,26,41,.4)}
/* Schalter, Beschriftung, Hinweis fuer hellen Grund */
.pz-sec .pz-lbl{color:var(--slate)}
.pz-sec .pz.is-off .pz-lbl-off,.pz-sec .pz.is-on .pz-lbl-on{color:var(--navy)}
.pz-sec .pz-toggle{background:#fff;border-color:var(--line)}
.pz-sec .pz.is-on .pz-toggle{background:var(--gold);border-color:var(--gold)}
.pz-sec .pz-knob{background:var(--navy)}
.pz-sec .pz.is-on .pz-knob{background:#fff}
.pz-sec .pz-hint{color:var(--slate)}
/* Verbindungslinien muessen auf hellem Grund dunkler sein */
.pz-sec .pz-lines path{stroke:rgba(14,42,64,.3)}
.pz-sec .pz.is-on .pz-lines path{stroke:rgba(184,146,58,.9)}
/* Valor-Kern: dunkler Anker mit Goldrand */
.pz-sec .pz-core{background:radial-gradient(circle at 50% 40%,rgba(46,62,84,.98),var(--navy) 72%);
  border-color:rgba(184,146,58,.7);
  box-shadow:0 0 0 12px rgba(184,146,58,.10),0 26px 60px -28px rgba(9,26,41,.55)}

/* ---- Themenseiten: Karten im Marken-Navy ---------------------------------
   Die Bloecke nehmen den Blauton des Hero/Kerns auf und stehen kraeftig auf
   dem hellen Grund. Alle Textfarben darin muessen mitgedreht werden.       */
.pz-sec .pz-card{background:var(--navy);border-color:rgba(184,146,58,.3);
  box-shadow:0 22px 48px -24px rgba(9,26,41,.55)}
.pz-sec .pz.is-on .pz-card{border-color:rgba(184,146,58,.62);box-shadow:0 24px 54px -22px rgba(9,26,41,.5)}
.pz-sec .pz-t{color:var(--cream)}
.pz-sec .pz-bad{color:#e0a99b}
.pz-sec .pz-good{color:var(--gold-lite)}
.pz-sec .pz-ico{background:rgba(244,244,244,.10);color:var(--cream-dim)}
.pz-sec .pz.is-on .pz-ico{background:rgba(184,146,58,.24);color:var(--gold-lite)}
/* Kern bleibt der Ankerpunkt: etwas tiefer als die Karten + kraeftigerer Goldrand */
.pz-sec .pz-core{background:radial-gradient(circle at 50% 40%,rgba(38,52,72,.98),var(--navy-2) 74%);
  border-color:rgba(184,146,58,.85);
  box-shadow:0 0 0 14px rgba(184,146,58,.12),0 26px 60px -26px rgba(9,26,41,.6)}