:root{
  --navy:#0E2A47;
  --navy-deep:#081A2E;
  --navy-soft:#1B3A5C;
  --mint:#59C09A;
  --mint-deep:#3AA17B;
  --mint-tint:#EAF6F1;
  --mint-tint-2:#DFF1EA;
  --paper:#FBFAF7;
  --ink:#16232E;
  --ink-muted:#59697A;
  --line:#E4E7E4;
  --line-on-navy:rgba(255,255,255,0.16);
  --radius:4px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;font-family:'Inter',sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:16px;}
h1,h2,h3{font-family:'Fraunces',serif;font-weight:600;color:var(--navy);margin:0 0 0.5em 0;line-height:1.15;}
p{margin:0 0 1em 0;color:var(--ink-muted);max-width:68ch;}
a{color:inherit;}
img,svg{max-width:100%;}
.wrap{max-width:1160px;margin:0 auto;padding:0 32px;position:relative;}
@media (max-width:640px){.wrap{padding:0 20px;}}

/* Topbar / nav */
.topbar{background:var(--navy-deep);color:#CFE3DC;font-size:13.5px;}
.topbar .wrap{display:flex;justify-content:flex-end;gap:28px;padding-top:9px;padding-bottom:9px;}
.topbar a{color:#CFE3DC;text-decoration:none;}
.topbar a:hover{color:#fff;}

header.main{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;}
nav{display:flex;align-items:center;justify-content:space-between;padding:0;gap:22px;}

/* ===== Logo wordmark — Fundament always navy, Werk always mint,
   EXCEPT on a navy background where Fundament flips to white ===== */
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;}
.logo .word{font-family:'Fraunces',serif;font-weight:600;font-size:24px;}
.logo .word .w1{color:var(--navy);}
.logo .word .w2{color:var(--mint);}
.on-navy .logo .word .w1,
.sec-navy .logo .word .w1,
.hero-dark .logo .word .w1,
footer .word .w1,
footer .foot-logo .word > span:first-child{color:#fff;}
footer .word .w2, footer .foot-logo .word .w2{color:var(--mint);}

.navlinks{display:flex;align-items:center;gap:20px;}
.navlinks a{text-decoration:none;color:var(--ink);font-size:15px;font-weight:500;white-space:nowrap;}
.navlinks{flex-wrap:nowrap;}
.navlinks a:hover{color:var(--navy);}
.btn{display:inline-block;background:var(--navy);color:#fff !important;padding:12px 22px;border-radius:var(--radius);text-decoration:none;font-weight:600;font-size:14.5px;white-space:nowrap;}
.btn:hover{background:var(--navy-deep);}
.btn.mint{background:var(--mint);}
.btn.mint:hover{background:var(--mint-deep);}
.btn.ghost{background:transparent;border:1.5px solid rgba(255,255,255,0.55);color:#fff !important;}
.btn.ghost:hover{background:rgba(255,255,255,0.12);}
.navlinks .btn{padding:10px 18px;}
@media (max-width:900px){.navlinks a:not(.btn){display:none;}}

/* ===== Decorative mint circle — reusable accent, used sparingly across sections ===== */
.circle-accent{position:absolute;border-radius:50%;pointer-events:none;background:radial-gradient(circle at 30% 30%, rgba(34,184,160,0.30), transparent 65%);}
.circle-accent.tr{right:-100px;top:-140px;width:360px;height:360px;}
.circle-accent.bl{left:-120px;bottom:-140px;width:320px;height:320px;}
.circle-accent.center-fade{right:10%;top:-80px;width:220px;height:220px;opacity:.7;}
.sec-white .circle-accent, .sec-tint .circle-accent{background:radial-gradient(circle at 30% 30%, rgba(34,184,160,0.16), transparent 65%);}

/* ===== Page hero — dark navy band ===== */
.hero-dark{background:linear-gradient(160deg,var(--navy) 0%, var(--navy-deep) 100%);color:#fff;padding:88px 0 76px;position:relative;overflow:hidden;}
.hero-dark .wrap{position:relative;}
.hero-dark .kicker{color:var(--mint);font-weight:600;font-size:14.5px;margin-bottom:16px;}
.hero-dark h1{color:#fff;font-size:clamp(32px,4.6vw,50px);max-width:18ch;}
.hero-dark p.lede{color:#C9D6DE;font-size:18px;max-width:680px;}
.hero-dark .actions{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap;}

/* Section backdrops */
.sec-white{background:var(--paper);position:relative;overflow:hidden;}
.sec-tint{background:var(--mint-tint);position:relative;overflow:hidden;}
.sec-navy{background:var(--navy);color:#fff;position:relative;overflow:hidden;}
.sec-navy h2, .sec-navy h3{color:#fff;}
.sec-navy p{color:#C9D6DE;}

/* ===== Stacked content block — heading + text full width, no side-by-side split ===== */
.block{padding:76px 0;}
.block-head{max-width:62ch;margin-bottom:8px;}
.eyebrow{color:var(--mint-deep);font-weight:600;font-size:14px;margin-bottom:12px;}
.sec-navy .eyebrow, .hero-dark .eyebrow{color:var(--mint);}
.block h2{font-size:clamp(24px,2.8vw,32px);max-width:20ch;}
.block .body p{max-width:70ch;}
/* Utility: a body paragraph that should span the full content width instead of the 70ch reading measure —
   use whenever text sits directly above/below a wider element (a box, a grid) it needs to visually align with. */
.block .body-wide p{max-width:none;}
/* A plain note directly beneath a cards-3 grid: match the cards' type size and let it run the full row width,
   instead of the narrower 70ch/larger body-text default. Applies wherever this exact pattern occurs. */
.cards-3 + .body p{max-width:none;font-size:14.5px;}
/* Same principle for a note directly beneath a fact-duo or cause-grid block: full width, matched type size. */
.fact-duo + .body p{max-width:none;font-size:13.5px;}
.cause-grid + .body p{max-width:none;font-size:13px;}
.block .body h4{font-family:'Inter',sans-serif;font-size:15.5px;font-weight:700;color:var(--navy);margin:28px 0 10px;line-height:1.3;padding-top:22px;border-top:1px solid var(--line);}
.block .body h4:first-child{margin-top:0;padding-top:0;border-top:none;}
/* Visual relief for long unbroken paragraph runs — adds soft dividers between
   paragraphs without touching any copy. Apply .body-relief where a text block
   has 3+ paragraphs and no other visual break. */
.body-relief p:not(:last-child){padding-bottom:22px;margin-bottom:22px !important;border-bottom:1px solid var(--line);}
.block .body p .inline-head{font-family:'Inter',sans-serif;font-weight:700;color:var(--navy);}
.block .body ul.tight-list{margin-bottom:1em;}
.block .body ul.tight-list li{margin-bottom:2px;}
@media (min-width:821px){.plain-duo .col .body p{text-align:justify;hyphens:none;-webkit-hyphens:none;}}
.block .body ul{max-width:70ch;color:var(--ink-muted);padding-left:1.15em;}
.block .body li{margin-bottom:8px;}
.block .body li strong{color:var(--navy);}
.block .body a{color:var(--navy);text-decoration:underline;text-decoration-color:var(--mint);text-underline-offset:3px;}

/* Timeline steps: number+heading full width, then text (left) + bullets (right) below it,
   both starting at the same offset with matching line-height so bullets align to text lines.
   Heading = 27px (matches sitewide panel-heading standard), body/list = 16px (matches sitewide base). */
.timeline-steps{display:flex;flex-direction:column;gap:36px;margin-top:40px;}
.timeline-steps .trow{border-top:2px solid var(--mint);padding-top:24px;}
.timeline-steps .trow:first-child{border-top:none;padding-top:0;}
.timeline-steps .trow .num{font-family:'Fraunces',serif;font-size:22px;color:var(--navy);font-weight:600;display:block;margin-bottom:8px;}
.sec-navy .timeline-steps .trow{border-top-color:var(--mint);}
.sec-navy .timeline-steps .trow .num{color:var(--mint);}
.timeline-steps .trow h3{font-size:27px;margin:0 0 14px;max-width:none;}
.timeline-steps .trow-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:start;}
@media (max-width:820px){.timeline-steps .trow-body{grid-template-columns:1fr;gap:12px;}}
.timeline-steps .trow-body p{font-size:16px;line-height:1.65;margin:0;max-width:none;}
.timeline-steps .trow-body ul{padding-left:1.1em;font-size:16px;line-height:1.65;color:var(--ink-muted);margin:0;text-align:left;}
.sec-navy .timeline-steps .trow-body ul{color:#C9D6DE;}

.support-list{display:flex;flex-direction:column;margin-top:36px;max-width:78ch;}
.support-list .item{display:flex;align-items:baseline;gap:20px;padding:15px 0;border-bottom:1px solid var(--line);}
.support-list .item:first-child{padding-top:0;}
.support-list .item:last-child{border-bottom:none;}
.sec-navy .support-list .item{border-bottom-color:var(--line-on-navy);}
.support-list .pct{font-family:'Fraunces',serif;font-size:21px;color:var(--mint-deep);font-weight:600;width:64px;flex-shrink:0;}
.sec-navy .support-list .pct{color:var(--mint);}
.support-list .txt strong{color:var(--navy);display:block;font-size:14.5px;}
.sec-navy .support-list .txt strong{color:#fff;}
.support-list .txt span{font-size:13px;color:var(--ink-muted);}
.sec-navy .support-list .txt span{color:#C9D6DE;}

/* Full-width stat band on navy */
.band-stats{padding:56px 0;}
.band-stats .row-inline{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:0;}
.band-stats .cell{padding:0 28px;border-left:1px solid var(--line-on-navy);text-align:left;}
.band-stats .cell:first-child{border-left:none;padding-left:0;}
.band-stats .num{font-family:'Fraunces',serif;font-size:36px;color:var(--mint);font-weight:600;display:block;}
.band-stats .lbl{font-size:13.5px;color:#C9D6DE;margin-top:4px;}
@media(max-width:760px){.band-stats .cell{border-left:none;border-top:1px solid var(--line-on-navy);padding:20px 0 0;}}

/* Attributed pull-quote band, centered, with name/title underneath */
.band-quote{padding:80px 0;text-align:center;}
.band-quote blockquote{margin:0 auto;max-width:32ch;}
.band-quote p{font-family:'Fraunces',serif;font-style:italic;font-size:clamp(22px,3vw,30px);margin:0;color:#fff;line-height:1.45;}
.band-quote .attribution{margin-top:22px;font-family:'Inter',sans-serif;font-style:normal;font-size:14px;color:var(--mint);font-weight:600;}
.band-quote .attribution span{display:block;color:#C9D6DE;font-weight:400;font-size:13px;margin-top:2px;}

/* Pricing / comparison, stacked-friendly two columns kept ONLY for literal price comparison (not text/heading split) */
.plans{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;margin-top:54px;width:100%;}
.plans .plan{padding:0 56px;text-align:left;}
.plans .plan:first-child{padding-left:0;border-right:1px solid var(--line);}
.plans .plan:last-child{padding-right:0;}
.plans .plan h3{font-size:27px;margin-bottom:10px;max-width:none;text-align:left;}
.plans .plan p{text-align:left;}
.plans .plan .price{font-family:'Fraunces',serif;font-size:30px;color:var(--navy);display:block;margin:6px 0 14px;text-align:left;}
.sec-navy .plans .plan h3{color:#fff;}
.sec-navy .plans .plan .price{color:var(--mint);}
.sec-navy .plans .plan:first-child{border-right-color:var(--line-on-navy);}
.plans .plan ul{padding-left:1.1em;font-size:16px;color:var(--ink-muted);text-align:left;}
.sec-navy .plans .plan ul{color:#C9D6DE;}
@media(max-width:700px){.plans{grid-template-columns:1fr;}.plans .plan:first-child{border-right:none;border-bottom:1px solid var(--line);padding-bottom:28px;margin-bottom:28px;}.plans .plan{padding-left:0;}}

.source{font-size:12.5px;color:#8B98A2;max-width:70ch;margin-top:-6px;}
.sec-navy .source{color:#93A2AA;}

.callout-simple{border-left:3px solid var(--mint);padding-left:24px;max-width:70ch;margin:28px 0;}
.callout-simple p{font-family:'Fraunces',serif;font-style:italic;color:var(--navy);font-size:19px;margin-bottom:0;}
.sec-navy .callout-simple p{color:#fff;}

/* ===== Homepage hero (light, above the fold) ===== */
.hero{padding:88px 0 72px;position:relative;overflow:hidden;}
.hero h1{font-size:clamp(34px,4.4vw,52px);max-width:18ch;}
.hero .lede{font-size:18px;max-width:60ch;}
.hero-actions{display:flex;gap:16px;align-items:center;margin-top:28px;flex-wrap:wrap;}

/* ===== Light page hero for utility pages (FAQ, Terminbuchung) — was
   previously unstyled (zero rules), which made these two pages look
   unfinished next to every other page's .hero-dark banner. ===== */
.pagehero{padding:64px 0 48px;border-bottom:1px solid var(--line);}
.pagehero .eyebrow{color:var(--mint-deep);}
.pagehero h1{font-size:clamp(30px,4vw,44px);max-width:26ch;}
.pagehero .lede{font-size:17px;max-width:640px;color:var(--ink-muted);margin-top:10px;}

.ctaband{background:var(--navy-deep);color:#fff;padding:64px 0;text-align:center;border-top:1px solid var(--line-on-navy);}
.ctaband h2{color:#fff;font-size:clamp(24px,3vw,32px);}
.ctaband p{color:#C9D6DE;margin:0 auto 26px;}

footer{background:var(--navy-deep);color:#B9C7CE;padding:56px 0 28px;font-size:14.5px;}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,0.12);}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr;gap:28px;}}
.foot-grid h4{color:#fff;font-size:14px;margin-bottom:14px;font-weight:600;}
.foot-grid ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px;}
.foot-grid a{color:#B9C7CE;text-decoration:none;}
.foot-grid a:hover{color:#fff;}
.foot-logo .word{font-family:'Fraunces',serif;font-weight:600;font-size:20px;}
.foot-bottom{display:flex;justify-content:space-between;padding-top:22px;font-size:13px;flex-wrap:wrap;gap:10px;}

/* Portrait image on Über-uns */
.portrait{width:200px;height:200px;object-fit:cover;border-radius:6px;margin-bottom:28px;display:block;}

/* ===== Centered bio hero (Über-uns only — intentional rhythm break from left-aligned page heroes) ===== */
.hero-bio{background:linear-gradient(160deg,var(--navy) 0%, var(--navy-deep) 100%);color:#fff;padding:72px 0 64px;text-align:center;position:relative;overflow:hidden;}
.hero-bio .wrap{position:relative;max-width:640px;}
.portrait-circle{width:132px;height:132px;object-fit:cover;border-radius:50%;border:3px solid var(--mint);margin:0 auto 20px;display:block;}
.hero-bio .name{font-family:'Fraunces',serif;font-weight:600;font-size:20px;color:#fff;margin-bottom:2px;}
.hero-bio .role{color:var(--mint);font-size:13.5px;font-weight:600;margin-bottom:28px;}
.hero-bio .rule{width:36px;height:2px;background:var(--line-on-navy);margin:0 auto 28px;}
.hero-bio h1{color:#fff;font-size:clamp(28px,4vw,40px);max-width:none;}
.hero-bio p.lede{color:#C9D6DE;font-size:17px;max-width:52ch;margin-left:auto;margin-right:auto;}
.hero-bio .actions{display:flex;justify-content:center;margin-top:28px;}

/* ===== Credential list — quiet check mark instead of plain bullet ===== */
.cred-list{display:flex;flex-direction:column;margin-top:32px;max-width:64ch;}
.cred-list .item{display:flex;align-items:flex-start;gap:14px;padding:14px 0;border-bottom:1px solid var(--line);}
.cred-list .item:first-child{padding-top:0;}
.cred-list .item:last-child{border-bottom:none;}
.cred-list .check{width:18px;height:18px;flex-shrink:0;margin-top:3px;border-radius:50%;background:var(--mint-tint);color:var(--mint-deep);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:700;}
.cred-list .txt strong{color:var(--navy);display:block;font-size:15px;font-weight:600;}
.cred-list .txt span{font-size:13px;color:var(--ink-muted);}

/* ===== Split layout: text + aside stat card (real column layout, not stacked) ===== */
.split-aside{display:grid;grid-template-columns:1.5fr 1fr;gap:48px;align-items:start;margin-top:8px;}
@media (max-width:820px){.split-aside{grid-template-columns:1fr;}}
.stat-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:30px 30px 26px;}
.sec-tint .stat-card, .sec-navy .stat-card{background:var(--paper);}
.stat-card .cap{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.03em;color:var(--navy-soft);margin-bottom:18px;}
.stat-card .sub{font-size:13px;color:var(--ink-muted);margin-top:16px;margin-bottom:0;}

.gap-bars .bar-row{margin-bottom:16px;}
.gap-bars .bar-row:last-child{margin-bottom:0;}
.gap-bars .bar-label{display:flex;justify-content:space-between;font-size:13.5px;color:var(--ink);margin-bottom:7px;font-weight:600;}
.gap-bars .bar-label span:last-child{font-family:'Fraunces',serif;color:var(--navy);}
.gap-bars .bar-track{background:var(--line);border-radius:4px;height:13px;overflow:hidden;}
.gap-bars .bar-fill{height:100%;border-radius:4px;}
.gap-bars .bar-fill.navy{background:var(--navy-soft);}
.gap-bars .bar-fill.mint{background:var(--mint);}

/* ===== Two support-lists side by side (real variance vs. two stacked identical blocks) ===== */
/* ===== Cause grid: 3-column bordered cards with a large number, replacing
   the plain bullet list. Matches the card-grid pattern from the reference
   screenshots instead of a flat list. ===== */
.cause-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:36px;}
@media (max-width:900px){.cause-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:600px){.cause-grid{grid-template-columns:1fr;}}
.cause-grid .item{border:1px solid var(--line);border-radius:8px;padding:26px 24px;background:#fff;}
.cause-grid .item .pct{font-family:'Fraunces',serif;font-size:32px;font-weight:700;color:var(--navy);display:block;margin-bottom:12px;}
.cause-grid .item h4{font-size:15.5px;color:var(--navy);margin:0 0 8px;line-height:1.3;}
.cause-grid .item p{font-size:13px;margin:0;}
.sec-tint .cause-grid .item{background:var(--paper);}
.handwerk-panel .cause-grid .item .pct{color:var(--mint-deep);}
.cause-grid .item.item-highlight{display:flex;align-items:center;gap:24px;background:var(--mint-tint);border:2px solid var(--mint-deep);padding:26px 32px;}
.cause-grid .item.item-highlight .pct{margin:0;flex:0 0 auto;font-size:40px;color:var(--mint-deep);}
.cause-grid .item.item-highlight h4{margin:0;font-size:17px;line-height:1.4;color:var(--navy);}
@media (max-width:600px){.cause-grid .item.item-highlight{flex-direction:column;text-align:center;gap:10px;}}

/* ===== Paired card grid — two topic cards side by side, alternating background.
   Matches the reference structure: each card is a self-contained topic block,
   not one long stacked column. ===== */
.card-pair{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;margin-top:36px;}
@media (max-width:820px){.card-pair{grid-template-columns:1fr;}}
.card-pair .panel{border-radius:8px;padding:38px 36px;}
.card-pair .panel.bg-a{background:#fff;border:1px solid var(--line);}
.card-pair .panel.bg-b{background:var(--mint-tint);}
.card-pair .panel h3{font-size:27px;max-width:none;margin-bottom:16px;}
.card-pair .panel p{font-size:16px;max-width:none;}
.card-pair .panel p em{font-style:italic;color:var(--ink-muted);font-size:13px;}
.card-pair .panel .highlight{color:var(--navy);font-weight:600;}
.card-pair .panel p.source{font-size:12.5px;color:#8B98A2;max-width:none;margin-top:8px;}

/* ===== Tarifqualität as its own section: prose on one side, two compact
   comparison boxes stacked on the other — not a nested compare table. ===== */
.tarif-split{display:grid;grid-template-columns:1.3fr 1fr;gap:44px;align-items:start;margin-top:8px;}
@media (max-width:900px){.tarif-split{grid-template-columns:1fr;}}
.tarif-boxes{display:flex;flex-direction:column;gap:20px;}
.tbox{background:#fff;border-radius:8px;padding:22px 24px;border-left:4px solid var(--line);}
.tbox.weak{border-left-color:#B9C2C9;}
.tbox.strong{border-left-color:var(--mint);}
.tbox h4{font-size:15px;color:var(--navy);margin:0 0 12px;}
.tbox ul{margin:0;padding-left:1.1em;font-size:13.5px;color:var(--ink-muted);}
.tbox li{margin-bottom:7px;}
.tbox li:last-child{margin-bottom:0;}
.shock-statement{font-family:'Fraunces',serif;font-size:clamp(24px,3vw,34px);font-weight:600;color:var(--navy);text-align:center;margin:0 0 8px;}
.big-number-split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;text-align:left;}
@media (max-width:820px){.big-number-split{grid-template-columns:1fr;text-align:center;}}
.big-number-split .lead-col{text-align:center;}
.big-number-split .lead-col .shock-statement{text-align:center;}
.big-number-split .lead-col .figure{font-family:'Fraunces',serif;font-size:clamp(56px,8vw,88px);font-weight:600;line-height:1;text-align:center;}
.big-number-split .lead-col .figure.figure-lg{font-size:clamp(72px,10vw,112px);}
.big-number-split .figure-caption{max-width:36ch;margin:16px auto 0;font-size:clamp(18px,2.2vw,22px);font-weight:600;line-height:1.35;color:var(--navy);}
.big-number-split .figure-source{max-width:36ch;margin:10px auto 0;font-size:12px;font-weight:400;color:var(--ink-muted);}
.big-number-split .text-col{container-type:inline-size;}
.big-number-split .text-col .text-col-kicker{font-size:clamp(11px,calc(4.2cqw - 1.2px),22px);font-weight:700;color:var(--navy);margin:0 0 12px;white-space:nowrap;max-width:100%;}
.big-number-split .text-col p{margin-bottom:16px;max-width:52ch;}
.big-number-split .text-col p:last-child{margin-bottom:0;}
@media (max-width:820px){.big-number-split .text-col p{max-width:none;margin-left:auto;margin-right:auto;}}

/* ===== Ratio stat block ("1 von 4") — icon-based alternative to a bare percentage ===== */
.ratio-split{display:grid;grid-template-columns:0.82fr 1px 1.18fr;gap:44px;align-items:center;}
@media (max-width:820px){.ratio-split{grid-template-columns:1fr;gap:36px;}}
.ratio-divider{background:var(--line);align-self:stretch;}
@media (max-width:820px){.ratio-divider{display:none;}}

.ratio-col{text-align:center;}
.ratio-figure{font-family:'Fraunces',serif;font-weight:700;color:var(--navy);font-size:clamp(58px,7.5vw,84px);line-height:1;letter-spacing:-0.01em;}
.ratio-figure .of{font-size:0.44em;font-weight:600;margin:0 10px;vertical-align:middle;position:relative;top:-0.05em;}
.ratio-sub{font-family:'Fraunces',serif;font-weight:600;font-size:clamp(20px,2.2vw,26px);color:var(--navy);margin:18px auto 0;max-width:none;white-space:nowrap;}
@media (max-width:560px){.ratio-sub{white-space:normal;}}

.ratio-icons{display:flex;justify-content:center;align-items:flex-end;gap:22px;margin:44px 0 0;}
.ratio-icons svg{width:50px;height:50px;display:block;}
.ratio-icons .pin{color:#CBD6D2;}
.ratio-icons .pin.active{color:var(--navy);}

.ratio-text-col{text-align:left;}
@media (max-width:820px){.ratio-text-col{text-align:center;}}
.ratio-lead{font-weight:700;color:var(--navy);font-size:18px;line-height:1.45;margin-bottom:16px;max-width:44ch;}
@media (max-width:820px){.ratio-lead{margin-left:auto;margin-right:auto;}}
.ratio-note{color:var(--ink-muted);font-size:15.5px;max-width:none;line-height:1.5;}
@media (max-width:820px){.ratio-note{margin-left:auto;margin-right:auto;}}
.ratio-text-col .source{margin-top:18px;}

/* (support-duo removed — replaced by clearly separated sections, see handwerk-panel) */

/* ===== Large closing pull-quote — breaks the pattern before the CTA ===== */
.pull-quote{text-align:center;padding:8px 0 4px;margin-top:36px;}
.pull-quote .rule{width:44px;height:2px;background:var(--mint);margin:0 auto 26px;}
.pull-quote p{font-family:'Fraunces',serif;font-style:italic;font-size:clamp(20px,2.6vw,27px);color:var(--navy);line-height:1.4;max-width:52ch;margin:0 auto;}
.sec-navy .pull-quote p{color:#fff;}

/* ===== Guarantee band — stamp graphic + trust copy, used before a closing CTA ===== */
.guarantee-band{padding:64px 0;}
.guarantee-inner{display:flex;align-items:center;justify-content:center;gap:56px;text-align:center;max-width:900px;margin:0 auto;}
.stamp{flex:0 0 auto;}
.stamp-ring{width:260px;height:260px;border-radius:50%;border:6px double var(--mint-deep);display:flex;align-items:center;justify-content:center;transform:rotate(-9deg);color:var(--mint-deep);text-align:center;position:relative;background:var(--paper);box-shadow:0 12px 28px rgba(58,161,123,0.18);}
.stamp-ring::before{content:"";position:absolute;inset:14px;border:1.5px solid var(--mint-deep);border-radius:50%;}
.stamp-text{font-family:'Fraunces',serif;font-weight:700;font-size:23px;line-height:1.3;letter-spacing:0.5px;text-transform:uppercase;}
.stamp-text .stamp-pct{display:block;font-size:34px;margin-bottom:4px;}
.guarantee-text{flex:1 1 auto;text-align:center;}
.guarantee-text h3{margin-bottom:10px;font-size:26px;}
.guarantee-text p{margin:0 auto;font-size:17.5px;max-width:52ch;text-align:center;}
@media (max-width:760px){.stamp-ring{width:200px;height:200px;}.stamp-text{font-size:18px;}.stamp-text .stamp-pct{font-size:27px;}}
@media (max-width:640px){.guarantee-inner{flex-direction:column;gap:26px;}}

/* Manual line breaks meant only for wider hero headlines; let mobile wrap naturally */
br.br-desktop-only{display:none;}
@media (min-width:600px){br.br-desktop-only{display:inline;}}
.sec-navy .pull-quote .rule{background:var(--mint);}
/* ===== Handwerk panel — visually distinguished from the primary cause list above,
   because it is a different metric (Arbeitsunfähigkeit, not Berufsunfähigkeit)
   and must not read as a like-for-like comparison. ===== */
.handwerk-panel{border-top:3px solid var(--mint-deep);}
.method-note{background:var(--mint-tint);border-left:3px solid var(--navy-soft);padding:14px 18px;font-size:13.5px;color:var(--ink-muted);border-radius:0 6px 6px 0;max-width:none;}
.method-note strong{color:var(--navy);}

/* ===== Enhanced full-bleed number band (replaces flat sec-navy) ===== */
.shock-band{background:linear-gradient(155deg,var(--navy) 0%, var(--navy-deep) 100%);position:relative;overflow:hidden;padding:64px 0;}
.shock-band .kicker-sm{color:var(--mint);font-weight:600;font-size:13.5px;text-align:center;text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px;}
.shock-band .big-number .figure{color:var(--mint);}
.shock-band .big-number .cap{color:#C9D6DE;}

.big-number{padding:64px 0;text-align:center;}
.big-number .figure{font-family:'Fraunces',serif;font-size:clamp(56px,9vw,96px);color:var(--navy);font-weight:600;line-height:1;}
.sec-navy .big-number .figure{color:var(--mint);}
.big-number .cap{max-width:44ch;margin:14px auto 0;font-size:15px;color:var(--ink-muted);}
.sec-navy .big-number .cap{color:#C9D6DE;}

/* ===== Content-first patterns (VermächtnisWerk-style substance over decoration) ===== */

.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;margin-top:36px;}
@media (max-width:820px){.cards-3{grid-template-columns:1fr;}}
.cards-3 .card h3{font-size:18px;color:var(--navy);margin-bottom:8px;}
.cards-3 .card p{font-size:14.5px;margin-bottom:0;}
.cards-3 .card .kicker-sm{font-size:12.5px;color:var(--mint-deep);font-weight:600;margin-bottom:6px;text-transform:uppercase;letter-spacing:.03em;}

.myth-list{display:flex;flex-direction:column;gap:26px;margin-top:32px;max-width:74ch;}
.myth-item{border-top:1px solid var(--line);padding-top:20px;}
.myth-item .mythos{color:var(--ink-muted);font-size:16px;margin-bottom:8px;}
.myth-item .mythos strong{color:var(--navy);font-weight:600;}
.myth-item .fakt{font-size:16px;margin-bottom:0;color:var(--navy);line-height:1.65;}
.myth-item .fakt strong{color:var(--mint-deep);font-weight:600;}

.essay p{max-width:72ch;}
.essay p + p{margin-top:1.1em;}

.credibility{display:flex;gap:40px;align-items:flex-start;flex-wrap:wrap;margin-top:8px;}
.credibility .lead-num{font-family:'Fraunces',serif;font-size:15px;color:var(--mint-deep);font-weight:600;margin-bottom:6px;}
.credibility .lead-title{font-size:19px;color:var(--navy);font-family:'Fraunces',serif;font-weight:600;margin-bottom:6px;}
.credibility .lead-sub{font-size:14.5px;color:var(--ink-muted);max-width:44ch;}
.credibility .diffs{list-style:none;margin:0;padding:0;flex:1;min-width:260px;display:flex;flex-direction:column;gap:9px;}
.credibility .diffs li{font-size:14px;color:var(--ink-muted);padding-left:18px;position:relative;}
.credibility .diffs li::before{content:"";position:absolute;left:0;top:8px;width:6px;height:6px;background:var(--mint);border-radius:50%;}

.process-simple{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:36px;}
@media (max-width:820px){.process-simple{grid-template-columns:1fr 1fr;}}
@media (max-width:520px){.process-simple{grid-template-columns:1fr;}}
.process-simple .step .n{font-family:'Fraunces',serif;font-size:26px;color:var(--mint-deep);margin-bottom:8px;}
.process-simple .step h3{font-size:16px;color:var(--navy);margin-bottom:6px;}
.process-simple .step p{font-size:13.5px;margin-bottom:0;}

.personas{display:grid;grid-template-columns:repeat(2,1fr);gap:32px;margin-top:36px;}
@media (max-width:700px){.personas{grid-template-columns:1fr;}}
.personas .p-item h3{font-size:17px;color:var(--navy);margin-bottom:8px;}
.personas .p-item p{font-size:14.5px;margin-bottom:0;}
.link-more{color:var(--navy);font-weight:600;text-decoration:none;border-bottom:2px solid var(--mint);padding-bottom:2px;}
.logo-img{height:85px;width:auto;max-width:none;display:block;}
@media (max-width:640px){.logo-img{height:40px;}}
@media (max-width:400px){.logo-img{height:34px;}}
.footer-logo-img{height:68px;}

/* Two-tone "FundamentWerk" in running text (footer copyright etc.) */
.fw .f{color:var(--navy);}
.fw .w{color:var(--mint);}
footer .fw .f, .sec-navy .fw .f, .hero-dark .fw .f, .hero-bio .fw .f{color:#fff;}

/* Homepage-specific: 2-step process (Kennenlerngespräch -> Finanzgutachten) */
.process-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:36px;max-width:820px;}
@media (max-width:640px){.process-2{grid-template-columns:1fr;}}
.process-2 .step .n{font-family:'Fraunces',serif;font-size:30px;color:var(--mint-deep);margin-bottom:10px;}
.process-2 .step h3{font-size:19px;color:var(--navy);margin-bottom:8px;}
.process-2 .step p{font-size:14.5px;margin-bottom:0;}

/* Trust stats band as light section (not navy-on-navy) */
.trust-band{padding:44px 0;}
.trust-band .row-inline{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;text-align:center;}
.trust-band .row-inline.cols-3{grid-template-columns:repeat(3,1fr);}
@media (max-width:820px){.trust-band .row-inline{grid-template-columns:repeat(2,1fr);}}
@media (max-width:600px){.trust-band .row-inline.cols-3{grid-template-columns:1fr;}}
.trust-band .cell .num{font-family:'Fraunces',serif;font-size:26px;color:var(--navy);font-weight:600;display:block;}
.trust-band .cell .lbl{font-size:12.5px;color:var(--ink-muted);margin-top:4px;display:block;}
.trust-band .block-head h2{font-size:clamp(24px,2.8vw,32px);}
.trust-band .note{max-width:52ch;margin:20px auto 0;font-size:12px;color:var(--ink-muted);text-align:center;}
.trust-band .tb-divider{width:56px;height:3px;background:var(--mint-deep);border-radius:2px;margin:22px auto 0;}
/* Equation-style 4-box layout (100 € + 50 € + 0 € = 100 % Mehrwert) */
/* Cells use display:contents so kicker/num/lbl become direct grid items -
   this makes every row (kicker row, number row, text row) align exactly
   across all four columns, table-style, regardless of each cell's own content height. */
.trust-equation{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;grid-template-rows:auto auto auto;align-items:start;column-gap:16px;row-gap:0;max-width:1120px;margin:0 auto;}
.trust-equation .cell{display:contents;text-align:center;}
.trust-equation .cell:nth-child(1) > *{grid-column:1;}
.trust-equation .cell:nth-child(3) > *{grid-column:3;}
.trust-equation .cell:nth-child(5) > *{grid-column:5;}
.trust-equation .cell:nth-child(7) > *{grid-column:7;}
.trust-equation .cell .kicker-sm{grid-row:1;align-self:end;font-size:12.5px;color:var(--mint-deep);font-weight:600;margin-bottom:14px;text-transform:uppercase;letter-spacing:.03em;display:block;}
.trust-equation .cell .num{grid-row:2;font-family:'Fraunces',serif;font-size:clamp(44px,4.6vw,58px);color:var(--navy);font-weight:600;display:block;}
.trust-equation .cell .lbl{grid-row:3;align-self:start;font-size:15.5px;line-height:1.6;max-width:28ch;margin:14px auto 0;color:var(--ink);display:block;}
.trust-equation .cell.result .num{color:var(--navy);}
.trust-equation .op{grid-row:1 / span 3;align-self:center;justify-self:center;font-family:'Fraunces',serif;font-size:50px;font-weight:700;color:var(--mint-deep);text-align:center;line-height:1;}
.trust-equation .op:nth-child(2){grid-column:2;}
.trust-equation .op:nth-child(4){grid-column:4;}
.trust-equation .op:nth-child(6){grid-column:6;}
@media (max-width:900px){
  .trust-equation{grid-template-columns:1fr;grid-template-rows:none;gap:0;}
  .trust-equation .cell{display:block;padding:20px 0;}
  .trust-equation .cell > *{grid-column:auto !important;}
  .trust-equation .cell .kicker-sm,
  .trust-equation .cell .num,
  .trust-equation .cell .lbl{grid-row:auto;}
  .trust-equation .op{grid-row:auto;grid-column:auto !important;padding:4px 0;font-size:34px;}
}

/* Terminbuchung chooser page */
.choice-cards{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:40px;}
@media (max-width:700px){.choice-cards{grid-template-columns:1fr;}}
.choice-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:36px 32px;}
.choice-card .tag{font-size:12.5px;font-weight:600;color:var(--mint-deep);text-transform:uppercase;letter-spacing:.03em;margin-bottom:12px;}
.choice-card h2{font-size:22px;margin-bottom:10px;}
.choice-card .meta{font-size:13.5px;color:var(--ink-muted);margin-bottom:16px;}
.choice-card p{font-size:14.5px;}

/* ===== Nav dropdown ===== */
.has-dropdown{position:relative;}
.has-dropdown > span{cursor:pointer;white-space:nowrap;}
.has-dropdown > span::after{content:" ▾";font-size:11px;color:var(--ink-muted);}
.dropdown-menu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:6px;box-shadow:0 12px 28px rgba(14,42,71,0.12);padding:8px;min-width:220px;z-index:30;}
.has-dropdown:hover .dropdown-menu,
.has-dropdown:focus-within .dropdown-menu{display:block;}
.dropdown-menu a{display:block;padding:9px 12px;border-radius:4px;font-size:14.5px;color:var(--ink);text-decoration:none;}
.dropdown-menu a:hover{background:var(--mint-tint);color:var(--navy);}
.dropdown-menu a.soon{color:var(--ink-muted);font-style:italic;}
@media (max-width:900px){.has-dropdown{display:none;}}

/* ===== Two distinct 4-card layouts ===== */
.cards-2x2{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:36px;max-width:1080px;margin-left:auto;margin-right:auto;}
@media (max-width:700px){.cards-2x2{grid-template-columns:1fr;}}

.cards-2x2--plain .card .idx{font-family:'Fraunces',serif;font-size:16px;color:var(--mint-deep);font-weight:600;margin-bottom:10px;}
.cards-2x2--plain .card h3{font-size:21px;color:var(--navy);margin-bottom:10px;}
.cards-2x2--plain .card p{font-size:16px;margin-bottom:0;line-height:1.65;}

.cards-2x2--boxed .card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:26px 28px;}
.cards-2x2--boxed .card .kicker-sm{display:inline-block;font-size:11.5px;font-weight:600;color:var(--mint-deep);background:var(--mint-tint);padding:3px 10px;border-radius:20px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.03em;}
.cards-2x2--boxed .card h3{font-size:17px;color:var(--navy);margin-bottom:8px;}
.cards-2x2--boxed .card p{font-size:14px;margin-bottom:0;}

/* Justified text where requested */
.essay p, .myth-item p{text-align:justify;hyphens:auto;}

/* Myth list: 4 items, 2x2, justified to line width */
.myth-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px 56px;margin-top:32px;max-width:1080px;margin-left:auto;margin-right:auto;}
@media (max-width:700px){.myth-grid{grid-template-columns:1fr;}}
.myth-grid .myth-item{border-top:1px solid var(--line);padding-top:20px;}

/* Process 4-in-a-row (restored) */
.process-4{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;margin-top:36px;}
@media (max-width:820px){.process-4{grid-template-columns:1fr 1fr;}}
@media (max-width:520px){.process-4{grid-template-columns:1fr;}}
.process-4 .step .n{font-family:'Fraunces',serif;font-size:26px;color:var(--mint-deep);margin-bottom:8px;}
.process-4 .step h3{font-size:15.5px;color:var(--navy);margin-bottom:6px;}
.process-4 .step p{font-size:13px;margin-bottom:0;}

/* Final CTA — swapped colors: solid mint bg, light button */
.ctaband.mint-solid{background:var(--mint-deep);}
.ctaband.mint-solid h2{color:#fff;}
.ctaband.mint-solid p{color:#DFF6F0;}
.ctaband.mint-solid .btn.light{background:var(--mint-tint);color:var(--navy) !important;}
.ctaband.mint-solid .btn.light:hover{background:#DCF3EC;}

/* Personas as a single stacked list (deliberately different from the 2x2 sections above) */
.persona-list{display:flex;flex-direction:column;margin-top:32px;max-width:760px;}
.persona-list .p-row{padding:20px 0;border-bottom:1px solid var(--line);}
.persona-list .p-row:first-child{padding-top:0;}
.persona-list .p-row:last-child{border-bottom:none;}
.persona-list .p-row h3{font-size:17px;color:var(--navy);margin:0 0 6px 0;}
.persona-list .p-row p{font-size:14.5px;margin:0;text-align:justify;hyphens:auto;}

/* Variant: four-in-a-row with a top rule instead of a number/letter */
.process-4--plain .step{border-top:2px solid var(--mint);padding-top:16px;}
.process-4--plain .step h3{font-size:16px;}

/* Navy circle accent variant for use on light/mint backgrounds */
.circle-accent.navy-tone{background:radial-gradient(circle at 30% 30%, rgba(14,42,71,0.10), transparent 65%);}

/* FAQ accordion (native details/summary, no JS needed) */
.faq-cat{margin-bottom:44px;}
.faq-cat h2{font-size:20px;color:var(--navy);margin-bottom:18px;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-item summary{cursor:pointer;padding:16px 4px;font-weight:600;color:var(--navy);font-size:15px;list-style:none;position:relative;padding-right:28px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";position:absolute;right:4px;top:16px;color:var(--mint-deep);font-size:18px;font-weight:700;}
.faq-item[open] summary::after{content:"–";}
.faq-item p{padding:0 4px 18px 4px;font-size:14.5px;color:var(--ink-muted);max-width:70ch;}
.faq-item p + ul{margin-top:-14px;}
.faq-item ul{padding:0 4px 18px 26px;font-size:14.5px;color:var(--ink-muted);max-width:70ch;}
.faq-item ul li{margin-bottom:5px;}
.faq-item ul + p{padding-top:0;}
.faq-nav{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:40px;}
.faq-nav a{font-size:13px;padding:7px 14px;border-radius:20px;background:var(--mint-tint);color:var(--navy);text-decoration:none;font-weight:600;}
.faq-nav a:hover{background:var(--mint);color:#fff;}

/* Closing tagline (mirrors VermächtnisWerk's closing signature line) */
.closing-line{padding:56px 0;text-align:center;}
.closing-line .rule{width:64px;height:2px;background:var(--line);margin:0 auto 28px;}
.closing-line p{font-family:'Fraunces',serif;font-size:19px;color:var(--mint-deep);font-weight:600;line-height:1.6;margin:0;}

.foot-tagline{color:var(--mint);font-family:'Fraunces',serif;font-style:italic;margin-top:3px;font-size:18px;line-height:1.6;font-weight:500;}
.foot-logo{text-align:center;}
.foot-logo .logo-img{margin-left:auto;margin-right:auto;}
.foot-disclaimer{font-size:12px;color:#7C8B95;margin-top:14px;line-height:1.6;max-width:640px;}

/* Über-uns: plain portrait photo (no crop, no circle), matching VermächtnisWerk's simple presentation */
.bio-header{padding:64px 0 0;}
.bio-header .eyebrow{color:var(--mint-deep);font-weight:600;font-size:14.5px;margin-bottom:10px;}
.bio-header h1{font-size:clamp(30px,4vw,42px);}
.bio-header .subline{font-size:17px;color:var(--ink-muted);max-width:56ch;}
.bio-photo{width:100%;max-width:300px;border-radius:8px;display:block;margin:32px 0 8px;}

.qual-list{display:flex;flex-direction:column;gap:26px;margin-top:32px;max-width:74ch;}
.qual-list h3{font-size:17px;color:var(--navy);margin-bottom:6px;font-weight:600;}
.qual-list h3 .parens{font-weight:400;color:var(--ink-muted);}
.qual-list p{font-size:14.5px;margin-bottom:0;}

/* Big reveal number (VermächtnisWerk-style example callout) — legacy, kept in case still referenced */
.reveal{background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px 30px;margin:20px 0;}
.reveal .cap{font-size:13px;color:var(--ink-muted);margin-bottom:10px;}
.reveal .figure{font-family:'Fraunces',serif;font-size:34px;color:var(--navy);font-weight:600;}
.reveal .sub{font-size:13.5px;color:var(--ink-muted);margin-top:6px;}
.reveal-row{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:24px 0;}
@media (max-width:640px){.reveal-row{grid-template-columns:1fr;}}
.reveal-row .reveal{margin:0;}

/* Fakten-Duo — replaces the old reveal-row. Fixed-height caption band keeps both
   figures on the same baseline regardless of caption length; a lead sentence gives
   the two numbers a shared context instead of floating unexplained side by side. */
.fact-duo{background:var(--mint-tint);border-radius:8px;padding:36px 40px 32px;margin:28px 0;}
.fact-duo .fd-lead{font-family:'Fraunces',serif;font-style:italic;font-size:17px;color:var(--navy);margin:0 0 24px 0;max-width:none;}
.fact-duo .fd-grid{display:grid;grid-template-columns:1fr 1px 1fr;gap:36px;align-items:stretch;}
.fact-duo .fd-divider{background:var(--mint-deep);opacity:.35;}
.fact-duo .fd-item{display:flex;flex-direction:column;}
.fact-duo .fd-cap{min-height:2.6em;display:flex;align-items:flex-end;font-size:12.5px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;color:var(--navy-soft);margin-bottom:12px;}
.fact-duo .fd-figure{font-family:'Fraunces',serif;font-size:44px;font-weight:700;color:var(--navy);line-height:1;}
.fact-duo .fd-sub{font-size:13.5px;color:var(--ink-muted);margin-top:10px;}
@media (max-width:640px){
  .fact-duo{padding:28px 24px;}
  .fact-duo .fd-grid{grid-template-columns:1fr;gap:24px;}
  .fact-duo .fd-divider{display:none;}
  .fact-duo .fd-cap{min-height:0;}
}

.two-col-compare{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin:28px 0;}
@media (max-width:640px){.two-col-compare{grid-template-columns:1fr;}}
.two-col-compare .col{background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px 26px;}
.two-col-compare .col h4{color:var(--navy);font-size:16px;margin:0 0 12px;}
.two-col-compare .col ul{margin:0;padding-left:1.1em;font-size:14px;color:var(--ink-muted);}
.two-col-compare .col li{margin-bottom:8px;}

/* Persona grid: 2 columns, each item still stacked (heading above text) */
.persona-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px 48px;margin-top:32px;}
@media (max-width:700px){.persona-grid{grid-template-columns:1fr;}}
.persona-grid .p-row{padding:18px 0;border-bottom:1px solid var(--line);}
.persona-grid .p-row h3{font-size:16px;color:var(--navy);margin:0 0 6px 0;}
.persona-grid .p-row p{font-size:13.5px;margin:0;color:var(--ink-muted);}

/* Three-column plain variant (wider than the four-column version) */
.process-3--plain{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin-top:36px;}
@media (max-width:820px){.process-3--plain{grid-template-columns:1fr;}}
.process-3--plain .step{border-top:2px solid var(--mint);padding-top:16px;}
.process-3--plain .step h3{font-size:17px;color:var(--navy);margin-bottom:8px;}
.process-3--plain .step p{font-size:16px;margin-bottom:0;}

/* Über-uns hero: navy, photo + text side by side (mirrors VermächtnisWerk's bio layout) */
.hero-bio-split{display:flex;gap:44px;align-items:center;}
@media (max-width:700px){.hero-bio-split{flex-direction:column;align-items:flex-start;}}
.hero-bio-split img{width:230px;border-radius:8px;flex-shrink:0;display:block;}
.hero-bio-split .txt .eyebrow{color:var(--mint);font-weight:600;font-size:14.5px;margin-bottom:10px;}
.hero-bio-split .txt h1{color:#fff;font-size:clamp(28px,4vw,40px);margin-bottom:10px;}
.hero-bio-split .txt .subline{color:#C9D6DE;font-size:16px;max-width:44ch;}

/* Qualification list centered with checkmarks */
.qual-list.centered{max-width:600px;margin-left:auto;margin-right:auto;text-align:left;}
.qual-list.centered h3{display:flex;align-items:center;gap:10px;}
.qual-list.centered .check{width:20px;height:20px;border-radius:50%;background:var(--mint-tint);color:var(--mint-deep);display:inline-flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;flex-shrink:0;}
.qual-list.centered p{margin-left:30px;}

/* Photo + text side by side within a normal (non-navy) section */
.split-media{display:flex;gap:44px;align-items:flex-start;}
@media (max-width:700px){.split-media{flex-direction:column;}}
.split-media img{width:220px;border-radius:8px;flex-shrink:0;display:block;}
.split-media .txt{flex:1;}

/* Hero closing quote line (mirrors VermächtnisWerk's quote under the hero CTAs) */
.hero-quote{margin-top:40px;padding-top:28px;border-top:1px solid rgba(255,255,255,0.18);max-width:680px;}
.hero-quote p{font-family:'Fraunces',serif;font-style:italic;color:var(--mint);font-size:32px;font-weight:500;line-height:1.4;margin:0;}

/* Vorsorge-Bausteine: Titel + Fließtext, aber mit klarer Vor/Nachteil-Struktur */
.baustein-item{padding:24px 0;border-bottom:1px solid var(--line);}
.baustein-item:last-child{border-bottom:none;}
.baustein-item h3{font-size:18px;color:var(--navy);margin-bottom:8px;}
.baustein-item p{font-size:14.5px;margin-bottom:8px;}
.baustein-item .vk{display:flex;gap:24px;flex-wrap:wrap;font-size:13.5px;margin-top:10px;}
.baustein-item .vk .v{color:var(--mint-deep);}
.baustein-item .vk .k{color:#B5654A;}
.baustein-item .vk strong{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.03em;margin-bottom:3px;}

/* Inflation price comparison table */
.infla-table{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin:32px 0;}
@media (max-width:900px){.infla-table{grid-template-columns:1fr;}}
.infla-col{background:#fff;border-radius:18px;padding:30px 28px 26px;box-shadow:0 12px 32px rgba(14,42,71,0.08);}
.infla-col .infla-head{display:flex;align-items:center;gap:14px;margin-bottom:22px;}
.infla-col .icon-tile{width:44px;height:44px;border-radius:12px;background:var(--mint-tint);margin:0;flex-shrink:0;}
.infla-col .icon-tile svg{width:24px;height:24px;stroke:var(--mint-deep) !important;}
.infla-col h4{font-family:'Inter',sans-serif;font-size:15.5px;color:var(--navy);margin:0;font-weight:700;line-height:1.3;}
.infla-col .infla-mult{display:flex;align-items:baseline;gap:9px;margin-bottom:22px;}
.infla-col .im-num{font-family:'Fraunces',serif;font-size:42px;font-weight:700;color:var(--mint-deep);line-height:1;}
.infla-col .im-label{font-size:12.5px;color:var(--ink-muted);}
.infla-col .infla-bars{display:flex;align-items:flex-end;gap:8px;height:110px;margin-bottom:8px;}
.infla-col .ib{flex:1;background:var(--mint-tint);border-radius:5px 5px 0 0;position:relative;min-height:6px;}
.infla-col .ib.now{background:var(--mint);}
.infla-col .ib.proj{background:repeating-linear-gradient(45deg,var(--mint-tint),var(--mint-tint) 5px,#fff 5px,#fff 10px);border:1.5px dashed var(--mint-deep);}
.infla-col .ib .ib-val{position:absolute;bottom:100%;left:50%;transform:translateX(-50%);font-size:10px;color:var(--navy-soft);font-weight:700;white-space:nowrap;margin-bottom:4px;}
.infla-col .infla-yrs{display:flex;gap:8px;border-top:1px solid var(--line);padding-top:8px;}
.infla-col .infla-yrs span{flex:1;text-align:center;font-size:10.5px;color:var(--ink-muted);}

/* GKV/PKV price comparison with feature checklist */
.price-compare{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin:28px 0;}
@media (max-width:700px){.price-compare{grid-template-columns:1fr;}}
.price-compare .pcol{background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px;}
.price-compare .pcol h3{font-size:16px;color:var(--ink-muted);text-align:center;margin-bottom:6px;font-weight:500;}
.price-compare .pcol .amt{font-family:'Fraunces',serif;font-size:34px;color:var(--navy);text-align:center;margin-bottom:4px;}
.price-compare .pcol .amt-sub{font-size:12.5px;color:var(--ink-muted);text-align:center;margin-bottom:20px;}
.price-compare .feat{display:flex;gap:6px;padding:9px 0;border-top:1px solid var(--line);font-size:13px;}
.price-compare .feat:first-of-type{border-top:none;}
.price-compare .feat .chk{color:var(--mint-deep);flex-shrink:0;font-size:11px;width:12px;display:inline-block;}
.price-compare .feat strong{display:block;color:var(--navy);font-size:13px;}
.price-compare .val-badge{display:inline-block;background:var(--mint-tint);color:var(--mint-deep);font-weight:700;font-size:12px;padding:2px 10px;border-radius:20px;margin-left:8px;letter-spacing:.02em;white-space:nowrap;}
.price-compare .feat span{color:var(--ink-muted);}

.praxis-item{padding:16px 0;border-bottom:1px solid var(--line);font-size:16px;}
.praxis-grid{columns:3;column-gap:24px;margin-top:36px;}
.praxis-card{break-inside:avoid;background:#fff;border:1px solid var(--line);border-radius:10px;padding:26px;margin-bottom:24px;overflow-wrap:break-word;}
.praxis-card h4{font-size:15.5px;color:var(--navy);margin:0 0 10px;font-weight:700;}
.praxis-card p{font-size:16px;color:var(--ink-muted);margin:0 0 12px;overflow-wrap:break-word;}
.praxis-card p:last-child{margin-bottom:0;}
@media (max-width:900px){.praxis-grid{columns:2;}}
@media (max-width:560px){.praxis-grid{columns:1;}}
.calc-note{font-size:12.5px;color:#8B98A2;max-width:none;margin:12px 0 24px;line-height:1.5;}
.praxis-item:last-child{border-bottom:none;}
.praxis-item strong{color:var(--navy);}

/* Baustein grid: 2 columns instead of one long stacked list */
.baustein-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px 40px;margin-top:8px;}
@media (max-width:760px){.baustein-grid{grid-template-columns:1fr;}}
.baustein-grid .baustein-item{padding:0;border-bottom:none;}
.baustein-grid .baustein-item h3{font-size:16.5px;}

/* Simple flat "comic style" SVG icon tiles */
.icon-tile{width:64px;height:64px;border-radius:14px;background:var(--mint-tint);display:flex;align-items:center;justify-content:center;margin-bottom:14px;}
.icon-tile svg{width:34px;height:34px;}
.icon-row{display:flex;gap:32px;flex-wrap:wrap;margin:28px 0;justify-content:center;}
.icon-row .icon-item{text-align:center;max-width:110px;}
.icon-row .icon-item span{display:block;font-size:12.5px;color:var(--ink-muted);margin-top:6px;}

/* ===== Editorial topic list: large ghost numerals alternating sides, thin
   dividers between entries. Deliberately NOT a connected rail/timeline —
   each topic reads as its own standalone editorial block. ===== */
.topic-list{display:flex;flex-direction:column;margin-top:48px;}
.topic-entry{display:grid;grid-template-columns:180px minmax(0,1fr);gap:44px;padding:40px 0;border-top:1px solid var(--line);align-items:start;}
.topic-entry:first-child{border-top:none;padding-top:0;}
.topic-entry.reverse{grid-template-columns:minmax(0,1fr) 180px;}
.topic-entry.reverse .topic-num{grid-column:2;grid-row:1;order:2;}
.topic-entry.reverse .topic-text{grid-column:1;grid-row:1;order:1;}
.topic-num{font-family:'Fraunces',serif;font-size:84px;font-weight:700;color:var(--mint-tint);line-height:1;user-select:none;}
.sec-white .topic-num{color:#EDF2ED;}
.sec-tint .topic-num{color:#D3EBDF;}
.topic-text h3{font-size:27px;margin:0 0 14px;max-width:none;}
.topic-text p{font-size:16px;max-width:none;margin:0 0 1em;}
.topic-text p:last-child{margin-bottom:0;}
.topic-text .cite{font-style:italic;color:var(--ink-muted);}
.topic-note{font-style:italic;font-weight:600;color:var(--mint-deep);}
@media (max-width:820px){
  .topic-entry, .topic-entry.reverse{grid-template-columns:1fr;gap:10px;padding:28px 0;}
  .topic-entry.reverse .topic-num, .topic-entry.reverse .topic-text{grid-column:1;order:initial;}
  .topic-num{font-size:44px;}
}

/* Standalone interstitial band (reuses the sitewide ctaband idiom) for a single
   emphasis statement that should NOT read as part of a numbered list. */
.statement-band{background:var(--navy);border-radius:16px;padding:52px 56px;margin:8px 0 0;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:center;}
.statement-band h3{color:#fff;font-size:28px;margin:0;max-width:none;line-height:1.25;}
.statement-band p{color:#C9D6DE;font-size:16px;max-width:none;margin:0 0 1em;}
.statement-band p:last-child{margin-bottom:0;}
@media (max-width:820px){.statement-band{grid-template-columns:1fr;padding:36px 30px;}}

/* Plain two-column prose, no headings/boxes: for sections that are one continuous
   argument split across two columns rather than two distinct sub-topics. */
.prose-duo{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;margin-top:8px;}
.prose-duo p{max-width:none;}
@media (max-width:820px){.prose-duo{grid-template-columns:1fr;}}

/* Third-column modifier for the existing price-compare checkmark cards */
.price-compare.cols-3{grid-template-columns:repeat(3,minmax(0,1fr));}
@media (max-width:900px){.price-compare.cols-3{grid-template-columns:1fr;}}

/* ===== Rechenbeispiel cards: dark, elevated, with a big highlighted end figure
   and an age-progress bar, for comparisons like "Start mit 21/31/41". ===== */
.rk-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin:32px 0;}
@media (max-width:900px){.rk-cards{grid-template-columns:1fr;}}
.rk-card{background:var(--navy);border-radius:16px;overflow:hidden;box-shadow:0 10px 32px rgba(14,42,71,0.20);}
.rk-head{padding:30px 28px 22px;text-align:center;border-bottom:1px solid rgba(255,255,255,0.10);}
.rk-label{font-size:13px;color:#9FB0BE;text-transform:uppercase;letter-spacing:.05em;font-weight:600;}
.rk-amount{font-family:'Fraunces',serif;font-size:32px;font-weight:700;color:var(--mint);margin:10px 0 2px;line-height:1.15;}
.rk-amount-sub{font-size:12.5px;color:#C9D6DE;}
.rk-progress{padding:20px 28px 6px;}
.rk-bar{height:5px;border-radius:3px;background:rgba(255,255,255,0.15);overflow:hidden;}
.rk-bar-fill{height:100%;background:var(--mint);border-radius:3px;}
.rk-ages{display:flex;justify-content:space-between;font-size:11.5px;color:#9FB0BE;margin-top:7px;}
.rk-stats{padding:12px 28px 26px;}
.rk-stat{display:flex;gap:10px;padding:10px 0;border-top:1px solid rgba(255,255,255,0.08);}
.rk-stat:first-child{border-top:none;}
.rk-stat .chk{color:var(--mint);flex-shrink:0;}
.rk-stat strong{display:block;color:#fff;font-size:14px;}
.rk-stat span{color:#C9D6DE;font-size:12.5px;}

/* ===== Accordion for long baustein lists: collapsed by default so ten items
   don't dump all Vorteil/Nachteil text on screen at once. ===== */
.av-accordion{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:14px 24px;margin-top:36px;}
@media (max-width:820px){.av-accordion{grid-template-columns:1fr;}}
.av-accordion details{background:var(--mint-tint);border-radius:10px;overflow:hidden;}
.av-accordion summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:600;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:15.5px;}
.av-accordion summary::-webkit-details-marker{display:none;}
.av-accordion summary::after{content:"⌄";font-size:18px;color:var(--mint-deep);flex-shrink:0;transition:transform .2s;}
.av-accordion details[open] summary::after{transform:rotate(180deg);}
.av-accordion .av-body{padding:0 22px 20px;}
.av-accordion .av-body p{font-size:16px;margin:0 0 12px;max-width:none;color:var(--ink-muted);}
.av-accordion .vk{display:flex;gap:24px;flex-wrap:wrap;font-size:13.5px;}
.av-accordion .vk .v{color:var(--mint-deep);}
.av-accordion .vk .k{color:#B5654A;}
.av-accordion .vk strong{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.03em;margin-bottom:3px;}

.hero-icon-big{width:100px;height:100px;border-radius:20px;background:rgba(255,255,255,0.12);display:flex;align-items:center;justify-content:center;margin-bottom:24px;}
.hero-icon-big svg{width:52px;height:52px;}

/* Berufsunfähigkeit hero: headline and lede share the same right edge instead of the
   lede running noticeably narrower than the (visually much wider) headline block. */
.hero-dark .bu-hero-h1{max-width:910px;}
.hero-dark p.bu-hero-lede{max-width:910px;}
.hero-dark .av-hero-h1{max-width:960px;}
.hero-dark .kv-hero-h1{max-width:920px;}

/* ===== "Bedeutet nicht nur Unfall" paired with the causes grid, as one unit ===== */
.cfs-eyebrow{margin-bottom:14px;}
.cfs-side-source{margin-top:20px;}
.cause-feature-grid{display:grid;grid-template-columns:minmax(0,0.84fr) minmax(0,1fr);gap:64px;align-items:start;}
@media (max-width:900px){.cause-feature-grid{grid-template-columns:1fr;}}
.cause-feature-text{text-align:left;display:flex;flex-direction:column;}
.cause-feature-text h3{font-size:32px;margin-bottom:16px;max-width:none;line-height:1.15;}
.cause-feature-text p{font-size:16px;max-width:none;}
.cause-feature-text .source{margin-top:4px;}
.cause-feature-side .eyebrow{margin-bottom:10px;}
.cause-feature-side > h4{font-family:'Fraunces',serif;font-weight:600;color:var(--navy);font-size:32px;line-height:1.15;margin:0 0 20px;max-width:none;}
.cause-grid.cause-grid--stack3{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px;margin-top:0;}
.cause-grid--stack3 .item{padding:20px 18px;}
.cause-grid--stack3 .item .pct{font-size:26px;margin-bottom:8px;}
.cause-grid--stack3 .item h4{font-size:15.5px;}
.cause-grid--stack3 .item p{font-size:12.5px;}
@media (max-width:560px){.cause-grid.cause-grid--stack3{grid-template-columns:1fr;}}

/* ===== "Arbeitsunfähigkeit" / "Je früher" — plain text columns under a shared
   section heading, matching the Ursachen/Tarifqualität pattern instead of boxed cards ===== */
.plain-duo{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;margin-top:8px;}
@media (max-width:820px){.plain-duo{grid-template-columns:1fr;}}
.plain-duo .col h3{font-size:27px;max-width:none;margin:0 0 16px;}
.plain-duo .col p{font-size:16px;max-width:none;}
.plain-duo .quote-col{display:flex;align-items:center;}
/* Modifier: top-align the quote instead of centering it — for a left column tall enough that a
   vertically centered quote would float in empty space disconnected from the heading above it. */
.plain-duo.align-top .quote-col{align-items:flex-start;padding-top:6px;}
.plain-duo .quote-col .big-quote{font-family:'Fraunces',serif;font-style:italic;font-weight:500;color:var(--navy);font-size:clamp(19px,1.85vw,23px);line-height:1.4;margin:0;max-width:none;}

/* ===== Centered single-column block: body copy + a standalone centered quote
   below it, for sections where a side-by-side plain-duo doesn't fit. ===== */
.block-head.centered{max-width:640px;margin-left:auto;margin-right:auto;text-align:center;}
.body-centered{max-width:640px;margin:0 auto;text-align:center;}
.quote-centered{font-family:'Fraunces',serif;font-style:italic;font-weight:500;color:var(--navy);font-size:clamp(19px,1.85vw,23px);line-height:1.4;max-width:560px;margin:28px auto 0;text-align:center;}

/* ===== "Ziel unserer Beratung" — circle + left-aligned text, parallel in width
   to the "Gut zu wissen" columns above it instead of centered. ===== */
.ziel-split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:48px;align-items:center;}
@media (max-width:820px){.ziel-split{grid-template-columns:1fr;}}
.ziel-circle-col{display:flex;justify-content:center;}
.ziel-circle{width:340px;height:340px;border-radius:50%;background:var(--mint-tint);display:flex;align-items:center;justify-content:center;padding:36px;}
.ziel-circle p{font-size:16px;text-align:center;max-width:none;color:var(--navy);}
.ziel-text-col{text-align:left;}
.ziel-text-col h2{margin:0 0 16px;text-align:left;}
.ziel-text-col .eyebrow{margin-bottom:10px;}
.ziel-text-col p{font-size:16px;max-width:none;}
/* Handwerk block-head + intro centered over the (unchanged) 6-block grid below */
.handwerk-head{text-align:center;max-width:none;margin-left:auto;margin-right:auto;}
.handwerk-head h2{margin:0 auto;max-width:52ch;}
.handwerk-intro{text-align:center;}
.block .body.handwerk-intro p{margin-left:auto;margin-right:auto;max-width:none;}
.handwerk-source{max-width:none;white-space:normal;}
/* Method-note must win over the more specific ".block .body p{max-width:70ch}" rule
   so it can actually stretch edge-to-edge with the cause-grid above it. */
.block .body p.method-note{max-width:none;}

/* ===== Age-Tabs: "Früh beginnen vs. später aufholen" — CSS-only Tabs
   (radio + label, kein JS), ersetzt die alte 3er-rk-cards-Aufstellung.
   Grün = erreichter Anteil vom bestmöglichen Ergebnis (Start mit 11),
   Rot  = durch den späteren Start bereits verlorener Anteil. ===== */
.age-tabs{margin:32px 0 0;}
.age-tabs input[type="radio"]{position:absolute;opacity:0;width:0;height:0;pointer-events:none;}
.age-tab-nav{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px;}
.age-tab-nav label{cursor:pointer;padding:9px 15px;border-radius:24px;background:#fff;color:var(--navy);font-weight:600;font-size:12.5px;border:1.5px solid var(--line);transition:background .15s ease,color .15s ease,border-color .15s ease;user-select:none;white-space:nowrap;}
.age-tab-nav label:hover{border-color:var(--mint-deep);}
.age-panel{display:none;}
.age-panel-head{margin-bottom:20px;}
.age-panel-head .ap-age{font-family:'Fraunces',serif;font-size:27px;color:var(--navy);font-weight:600;display:block;}
.age-panel-head .ap-years{font-size:14.5px;color:var(--ink-muted);margin-top:4px;}
.age-results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;}
@media (max-width:900px){.age-results{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:560px){.age-results{grid-template-columns:1fr;}}
.age-tab-divider{width:1px;align-self:center;height:28px;background:var(--line);margin:0 2px;}
.age-tab-nav label.age-tab-special{border-style:dashed;border-color:var(--mint-deep);color:var(--mint-deep);}
#age-11:checked ~ .age-tab-nav label[for="age-11"],
#age-1:checked ~ .age-tab-nav label[for="age-1"]{background:var(--mint-deep);color:#fff;border-color:var(--mint-deep);border-style:solid;}
.age-result .ar-bonus-block{display:flex;align-items:center;gap:10px;background:rgba(89,192,154,0.16);border-radius:10px;padding:11px 14px;margin:14px 0 18px;}
.age-result .ar-bonus-block .ar-bonus-arrow{font-size:19px;color:var(--mint);font-weight:700;line-height:1;}
.age-result .ar-bonus-block .ar-bonus-text{font-size:12.5px;color:#DCEBE5;line-height:1.35;}
.age-result .ar-bonus-block .ar-bonus-text strong{color:var(--mint);font-size:15px;display:block;}
.age-result{background:var(--navy);border-radius:16px;padding:26px 26px 24px;box-shadow:0 10px 32px rgba(14,42,71,0.20);}
.age-result .ar-rate{font-size:13px;color:#9FB0BE;text-transform:uppercase;letter-spacing:.05em;font-weight:600;}
.age-result .ar-amount{font-family:'Fraunces',serif;font-size:30px;font-weight:700;color:var(--mint);margin:10px 0 2px;line-height:1.15;}
.age-result .ar-amount-sub{font-size:12.5px;color:#C9D6DE;margin-bottom:18px;}
.age-result .arb{height:10px;border-radius:5px;overflow:hidden;display:flex;background:rgba(255,255,255,0.12);}
.age-result .arb-fill{height:100%;}
.age-result .arb-fill.achieved{background:var(--mint);}
.age-result .arb-fill.lost{background:#E0665A;}
.age-result .arb-caption{display:flex;justify-content:space-between;font-size:11.5px;color:#C9D6DE;margin-top:8px;}
.age-result .arb-caption .lost-label{color:#F3A79D;}
.age-result .ar-stats{margin-top:18px;padding-top:16px;border-top:1px solid rgba(255,255,255,0.10);font-size:12.5px;color:#C9D6DE;}
.age-result .ar-stats strong{color:#fff;}
/* Aktiver Tab: Panel einblenden + Label hervorheben. Ein Selektor-Paar je Alter. */
#age-11:checked ~ .age-tab-panels #panel-11{display:block;}
#age-1:checked ~ .age-tab-panels #panel-1{display:block;}
#age-21:checked ~ .age-tab-panels #panel-21{display:block;}
#age-31:checked ~ .age-tab-panels #panel-31{display:block;}
#age-41:checked ~ .age-tab-panels #panel-41{display:block;}
#age-51:checked ~ .age-tab-panels #panel-51{display:block;}
#age-21:checked ~ .age-tab-nav label[for="age-21"]{background:var(--navy);color:#fff;border-color:var(--navy);}
#age-31:checked ~ .age-tab-nav label[for="age-31"]{background:var(--navy);color:#fff;border-color:var(--navy);}
#age-41:checked ~ .age-tab-nav label[for="age-41"]{background:var(--navy);color:#fff;border-color:var(--navy);}
#age-51:checked ~ .age-tab-nav label[for="age-51"]{background:var(--navy);color:#fff;border-color:var(--navy);}

/* ===== Vorsorgeformen-Section: Text links, Akkordeon rechts, statt
   voller Breite untereinander. Akkordeon-Spalte etwas breiter, da die
   Einträge selbst mehr Raum brauchen als der einleitende Fließtext. ===== */
.av-options-split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.35fr);gap:48px;align-items:start;}
@media (max-width:900px){.av-options-split{grid-template-columns:1fr;}}
.av-options-split .av-accordion{margin:0;grid-template-columns:1fr;}

/* ===== Sachversicherungen-Auswahl: vertikale Rail-Navigation links (statt
   horizontaler Pill-Reihe wie bei age-tabs), Detail-Dossier rechts mit
   Schadenfall-Szenario + Leistungs-Highlights. CSS-only via radio+label. ===== */
.sv-select{margin:40px 0 0;}
.sv-select input[type="radio"]{position:absolute;opacity:0;width:0;height:0;pointer-events:none;}
.sv-layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:0;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:0 14px 40px rgba(14,42,71,0.07);}
@media (max-width:820px){.sv-layout{grid-template-columns:minmax(0,1fr);}}
.sv-nav{background:var(--mint-tint);padding:14px;display:flex;flex-direction:column;gap:3px;}
@media (max-width:820px){.sv-nav{flex-direction:row;flex-wrap:wrap;padding:14px;}}
.sv-nav label{display:flex;align-items:center;gap:12px;padding:13px 14px;border-radius:10px;cursor:pointer;font-weight:600;color:var(--navy-soft);font-size:14px;line-height:1.3;transition:background .15s ease,color .15s ease;user-select:none;}
@media (max-width:820px){.sv-nav label{flex:1 1 auto;font-size:12.5px;padding:10px 12px;min-width:0;}}
.sv-nav label:hover{background:#fff;}
.sv-nav .svn{font-family:'Fraunces',serif;font-weight:700;font-size:13px;color:var(--mint-deep);flex-shrink:0;width:20px;}
.sv-panels{padding:44px 48px;}
@media (max-width:640px){.sv-panels{padding:32px 26px;}}
.sv-panel{display:none;}
.sv-panel-head{display:flex;align-items:center;gap:16px;margin-bottom:22px;}
.sv-panel-head .icon-tile{margin:0;flex-shrink:0;}
.sv-panel-head h3{font-size:24px;margin:0;max-width:none;min-width:0;overflow-wrap:break-word;hyphens:auto;}
.sv-scenario{background:#FBF3EF;border-left:3px solid #C97A5C;border-radius:0 8px 8px 0;padding:16px 20px;margin-bottom:22px;}
.sv-scenario .sv-scenario-tag{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:#B5654A;margin-bottom:6px;}
.sv-scenario p{margin:0;font-size:15px;color:var(--navy-soft);max-width:none;}
.sv-body p{font-size:15.5px;max-width:none;}
.sv-highlights{display:grid;grid-template-columns:1fr 1fr;gap:10px 20px;margin:22px 0 0;}
@media (max-width:560px){.sv-highlights{grid-template-columns:1fr;}}
.sv-highlights .item{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:var(--navy);font-weight:600;padding:9px 0;border-top:1px solid var(--line);}
.sv-highlights .item:nth-child(-n+2){border-top:none;}
@media (max-width:560px){.sv-highlights .item:nth-child(2){border-top:1px solid var(--line);}}
.sv-highlights .item .chk{color:var(--mint-deep);flex-shrink:0;font-weight:700;}
#sv-1:checked ~ .sv-layout .sv-nav label[for="sv-1"],
#sv-2:checked ~ .sv-layout .sv-nav label[for="sv-2"],
#sv-3:checked ~ .sv-layout .sv-nav label[for="sv-3"],
#sv-4:checked ~ .sv-layout .sv-nav label[for="sv-4"],
#sv-5:checked ~ .sv-layout .sv-nav label[for="sv-5"],
#sv-6:checked ~ .sv-layout .sv-nav label[for="sv-6"],
#sv-7:checked ~ .sv-layout .sv-nav label[for="sv-7"],
#sv-8:checked ~ .sv-layout .sv-nav label[for="sv-8"]{background:var(--navy);color:#fff;}
#sv-1:checked ~ .sv-layout .sv-nav label[for="sv-1"] .svn,
#sv-2:checked ~ .sv-layout .sv-nav label[for="sv-2"] .svn,
#sv-3:checked ~ .sv-layout .sv-nav label[for="sv-3"] .svn,
#sv-4:checked ~ .sv-layout .sv-nav label[for="sv-4"] .svn,
#sv-5:checked ~ .sv-layout .sv-nav label[for="sv-5"] .svn,
#sv-6:checked ~ .sv-layout .sv-nav label[for="sv-6"] .svn,
#sv-7:checked ~ .sv-layout .sv-nav label[for="sv-7"] .svn,
#sv-8:checked ~ .sv-layout .sv-nav label[for="sv-8"] .svn{color:var(--mint);}
#sv-1:checked ~ .sv-layout .sv-panels #panel-sv-1{display:block;}
#sv-2:checked ~ .sv-layout .sv-panels #panel-sv-2{display:block;}
#sv-3:checked ~ .sv-layout .sv-panels #panel-sv-3{display:block;}
#sv-4:checked ~ .sv-layout .sv-panels #panel-sv-4{display:block;}
#sv-5:checked ~ .sv-layout .sv-panels #panel-sv-5{display:block;}
#sv-6:checked ~ .sv-layout .sv-panels #panel-sv-6{display:block;}
#sv-7:checked ~ .sv-layout .sv-panels #panel-sv-7{display:block;}
#sv-8:checked ~ .sv-layout .sv-panels #panel-sv-8{display:block;}

/* Cookie-Consent-Banner */
#cookie-banner{position:fixed;left:0;right:0;bottom:0;z-index:9999;background:var(--navy-deep);color:#fff;padding:22px 24px;box-shadow:0 -6px 24px rgba(0,0,0,0.18);display:none;}
#cookie-banner.show{display:block;}
#cookie-banner .cb-wrap{max-width:1120px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;}
#cookie-banner .cb-text{flex:1 1 420px;font-size:13.5px;line-height:1.55;color:rgba(255,255,255,0.88);}
#cookie-banner .cb-text strong{color:#fff;}
#cookie-banner .cb-text a{color:var(--mint);text-decoration:underline;}
#cookie-banner .cb-actions{display:flex;gap:10px;flex-wrap:wrap;flex-shrink:0;}
#cookie-banner .cb-btn{border-radius:4px;padding:10px 18px;font-size:13.5px;font-weight:600;cursor:pointer;border:1px solid rgba(255,255,255,0.3);background:transparent;color:#fff;white-space:nowrap;}
#cookie-banner .cb-btn:hover{border-color:rgba(255,255,255,0.6);}
#cookie-banner .cb-btn.cb-accept{background:var(--mint);border-color:var(--mint);color:var(--navy-deep);}
#cookie-banner .cb-btn.cb-accept:hover{background:var(--mint-deep);border-color:var(--mint-deep);color:#fff;}
@media (max-width:680px){#cookie-banner .cb-wrap{flex-direction:column;align-items:stretch;}#cookie-banner .cb-actions{justify-content:stretch;}#cookie-banner .cb-btn{flex:1;}}

/* Cookie-Einstellungen Link im Footer */
.cookie-settings-link{background:none;border:none;padding:0;font:inherit;color:inherit;text-decoration:underline;cursor:pointer;}