/* =========================================================================
   ALTERNATE CAPITAL — Design System
   Strukturierte Immobilienfinanzierung · Premium B2B
   Palette: Navy / Anthrazit + Champagner-Gold
   Selbst gehostet, keine externen Fonts/Tracker (schnell, DSGVO-freundlich)
   ========================================================================= */

:root{
  /* Dark navy / anthracite scale */
  --navy-900:#0b111c;
  --navy-850:#0e1522;
  --navy-800:#121b2b;
  --navy-700:#1a2536;
  --navy-600:#243247;
  --navy-500:#33425a;

  /* Light / paper */
  --paper:#f6f4ef;      /* warm champagne-tinted off-white */
  --paper-2:#efece4;
  --white:#ffffff;
  --card:#ffffff;

  /* Champagne gold accents (shared chroma, restrained) */
  --gold:#b7965c;
  --gold-deep:#9c7d45;
  --gold-bright:#d3b982;
  --gold-soft:rgba(183,150,92,.12);

  /* Text */
  --ink:#161d29;        /* near-navy ink on light */
  --ink-2:#43506182;
  --muted:#5c6675;      /* muted body on light */
  --muted-2:#8a93a1;
  --on-dark:#eef1f6;
  --on-dark-muted:#a4b0c2;
  --on-dark-faint:#6f7d92;

  /* Lines */
  --line:#e2ddd2;
  --line-2:#d8d2c6;
  --line-dark:rgba(255,255,255,.10);
  --line-dark-2:rgba(255,255,255,.16);

  /* Metrics */
  --wrap:1200px;
  --wrap-narrow:920px;
  --r:6px;
  --r-lg:10px;
  --shadow-sm:0 1px 2px rgba(16,24,40,.04), 0 1px 3px rgba(16,24,40,.06);
  --shadow:0 10px 30px -12px rgba(11,17,28,.18);
  --shadow-lg:0 30px 70px -30px rgba(11,17,28,.35);

  --font:"Helvetica Neue",Helvetica,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box;}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font);
  color:var(--ink);
  background:var(--paper);
  font-size:17px;
  line-height:1.72;
  font-weight:400;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block;}
a{color:inherit;text-decoration:none;}
button{font-family:inherit;}
h1,h2,h3,h4{margin:0;font-weight:700;line-height:1.12;letter-spacing:-.015em;color:var(--ink);overflow-wrap:break-word;word-break:break-word;hyphens:auto;}
p{margin:0 0 1.05em;text-wrap:pretty;overflow-wrap:break-word;hyphens:auto;}
ul{margin:0;padding:0;list-style:none;}
strong{font-weight:700;color:var(--ink);}

/* ---------- Type scale ---------- */
.h-xxl{font-size:clamp(2.35rem,1.4rem + 3.6vw,4.1rem);letter-spacing:-.025em;line-height:1.05;}
.h-xl{font-size:clamp(1.95rem,1.3rem + 2.4vw,3.1rem);letter-spacing:-.022em;line-height:1.08;}
.h-lg{font-size:clamp(1.55rem,1.15rem + 1.5vw,2.25rem);letter-spacing:-.018em;line-height:1.14;}
.h-md{font-size:clamp(1.25rem,1.05rem + .7vw,1.55rem);letter-spacing:-.01em;line-height:1.22;}
.lead{font-size:clamp(1.1rem,1.02rem + .45vw,1.32rem);line-height:1.6;color:var(--muted);font-weight:400;}
.eyebrow{
  display:inline-flex;align-items:center;gap:.6em;flex-wrap:wrap;max-width:100%;
  font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold-deep);overflow-wrap:anywhere;
}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--gold);display:inline-block;}
.eyebrow.on-dark{color:var(--gold-bright);}
.eyebrow.center{justify-content:center;}
.eyebrow.center::before{display:none;}

/* ---------- Layout ---------- */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(20px,4vw,44px);}
.narrow{max-width:var(--wrap-narrow);margin-left:auto;margin-right:auto;}
section{position:relative;}
.section{padding:clamp(64px,8vw,120px) 0;}
.section-sm{padding:clamp(48px,6vw,84px) 0;}
.dark{background:var(--navy-900);color:var(--on-dark);}
.dark h1,.dark h2,.dark h3,.dark h4{color:#fff;}
.dark p{color:var(--on-dark-muted);}
.tint{background:var(--paper-2);}
.center{text-align:center;}
.grid{display:grid;gap:clamp(20px,2.4vw,32px);}
.mt-1{margin-top:1rem;}.mt-2{margin-top:1.6rem;}.mt-3{margin-top:2.4rem;}
.max-60{max-width:60ch;}.max-68{max-width:68ch;}
.section-head{max-width:64ch;}
.section-head.center{margin:0 auto;}
.section-head .lead{margin-top:1rem;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55em;
  padding:.95em 1.6em;border-radius:var(--r);border:1px solid transparent;
  font-size:.98rem;font-weight:700;letter-spacing:.005em;cursor:pointer;
  transition:transform .25s var(--ease),background .25s,box-shadow .25s,border-color .25s,color .25s;
  white-space:nowrap;line-height:1;
}
.btn svg{width:1.05em;height:1.05em;flex:0 0 auto;}
.btn-gold{background:var(--gold);color:#1a1206;box-shadow:0 8px 22px -10px rgba(183,150,92,.7);}
.btn-gold:hover{background:var(--gold-bright);transform:translateY(-2px);box-shadow:0 14px 30px -12px rgba(183,150,92,.75);}
.btn-dark{background:var(--navy-800);color:#fff;}
.btn-dark:hover{background:var(--navy-700);transform:translateY(-2px);}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--line-2);}
.btn-outline:hover{border-color:var(--navy-700);background:#fff;transform:translateY(-2px);}
.btn-outline-light{background:transparent;color:#fff;border-color:var(--line-dark-2);}
.btn-outline-light:hover{border-color:var(--gold);color:var(--gold-bright);transform:translateY(-2px);}
.btn-lg{padding:1.12em 1.9em;font-size:1.02rem;}
.btn-block{width:100%;}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;}
.link-gold{display:inline-flex;align-items:center;gap:.5em;color:var(--gold-deep);font-weight:700;font-size:.96rem;}
.link-gold svg{width:1em;height:1em;transition:transform .25s var(--ease);}
.link-gold:hover svg{transform:translateX(4px);}
.dark .link-gold{color:var(--gold-bright);}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy-900);color:var(--on-dark-muted);font-size:.82rem;border-bottom:1px solid var(--line-dark);}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;height:42px;gap:20px;}
.topbar a{color:var(--on-dark-muted);transition:color .2s;}
.topbar a:hover{color:var(--gold-bright);}
.topbar .tb-left{display:flex;gap:22px;align-items:center;}
.topbar .tb-right{display:flex;gap:22px;align-items:center;}
.topbar .tb-item{display:inline-flex;align-items:center;gap:.5em;}
.topbar svg{width:14px;height:14px;color:var(--gold);}
@media(max-width:820px){.topbar .tb-left .tb-hide{display:none;}}
@media(max-width:560px){.topbar .tb-item.tb-vol{display:none;}}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(11,17,28,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line-dark);transition:background .3s;}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:104px;gap:24px;}
.brand{display:flex;align-items:center;gap:12px;flex:0 0 auto;}
.brand img{height:80px;width:auto;}
.brand .bw{display:flex;flex-direction:column;line-height:1;}
.nav{display:flex;align-items:center;gap:4px;}
.nav a{
  position:relative;color:var(--on-dark);font-size:.93rem;font-weight:600;
  padding:.6em .85em;border-radius:var(--r);transition:color .2s,background .2s;
}
.nav a:hover{color:#fff;background:rgba(255,255,255,.05);}
.nav a.active{color:var(--gold-bright);}
.nav .has-sub{position:relative;}
.nav .sub{
  position:absolute;top:calc(100% + 10px);left:0;min-width:280px;
  background:var(--navy-800);border:1px solid var(--line-dark-2);border-radius:var(--r-lg);
  padding:8px;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .22s,transform .22s,visibility .22s;
}
.nav .sub.wide{min-width:560px;display:grid;grid-template-columns:1fr 1fr;gap:2px;}
.nav .has-sub.right .sub{left:auto;right:0;}
.nav .has-sub:hover .sub{opacity:1;visibility:visible;transform:translateY(0);}
.nav .sub a{display:block;padding:.7em .9em;border-radius:var(--r);font-weight:500;color:var(--on-dark-muted);}
.nav .sub a:hover{background:rgba(255,255,255,.06);color:#fff;}
.nav .sub a b{display:block;color:#fff;font-weight:700;font-size:.92rem;}
.nav .sub a span{font-size:.8rem;color:var(--on-dark-faint);}
.header-cta{display:flex;align-items:center;gap:12px;flex:0 0 auto;}
.nav-toggle{display:none;width:44px;height:44px;border:1px solid var(--line-dark-2);background:transparent;border-radius:var(--r);cursor:pointer;color:#fff;align-items:center;justify-content:center;}
.nav-toggle svg{width:22px;height:22px;}

@media(max-width:1080px){
  .nav,.header-cta .btn{display:none;}
  .nav-toggle{display:inline-flex;}
  .site-header .wrap{height:78px;}
  .brand img{height:62px;}
}

/* Mobile drawer */
.drawer{position:fixed;inset:0;z-index:80;visibility:hidden;pointer-events:none;}
.drawer .scrim{position:absolute;inset:0;background:rgba(6,10,17,.6);opacity:0;transition:opacity .3s;}
.drawer .panel{position:absolute;top:0;right:0;height:100%;width:min(90vw,380px);background:var(--navy-850);
  border-left:1px solid var(--line-dark);transform:translateX(100%);transition:transform .35s var(--ease);
  padding:22px;overflow-y:auto;display:flex;flex-direction:column;}
.drawer.open{visibility:visible;pointer-events:auto;}
.drawer.open .scrim{opacity:1;}
.drawer.open .panel{transform:translateX(0);}
.drawer .d-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;}
.drawer .d-close{width:42px;height:42px;border:1px solid var(--line-dark-2);background:transparent;color:#fff;border-radius:var(--r);cursor:pointer;}
.drawer nav{display:flex;flex-direction:column;margin-top:10px;}
.drawer nav a{color:var(--on-dark);padding:.85em .2em;border-bottom:1px solid var(--line-dark);font-weight:600;font-size:1.02rem;}
.drawer nav a.sub-link{padding-left:1.1em;font-weight:500;color:var(--on-dark-muted);font-size:.95rem;}
.drawer nav .grp{color:var(--gold-bright);font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;padding:1.2em .2em .3em;}
.drawer .btn{margin-top:18px;}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--navy-900);color:var(--on-dark);overflow:hidden;}
.hero::before{content:"";position:absolute;top:-30%;right:-10%;width:60%;height:150%;
  background:radial-gradient(closest-side,rgba(183,150,92,.16),transparent 70%);pointer-events:none;}
.hero::after{content:"";position:absolute;inset:0;background:
  linear-gradient(180deg,rgba(11,17,28,0),rgba(11,17,28,.4)),
  url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40'%3E%3Cpath d='M0 39h40M39 0v40' stroke='%23ffffff' stroke-opacity='.02' stroke-width='1'/%3E%3C/svg%3E");
  pointer-events:none;}
.hero .wrap{position:relative;z-index:2;padding-top:clamp(56px,7vw,104px);padding-bottom:clamp(56px,7vw,104px);}
.hero-grid{display:grid;grid-template-columns:1fr 1.18fr;gap:clamp(32px,5vw,68px);align-items:center;}
.hero-grid>*{min-width:0;}
.split>*{min-width:0;}
.lead{overflow-wrap:break-word;}
.hero h1{color:#fff;margin:.5rem 0 0;}
.hero .lead{color:var(--on-dark-muted);margin-top:1.3rem;max-width:44ch;}
.hero .btn-row{margin-top:2rem;}
.hero-media{position:relative;}
.hero-media .ph{border-radius:var(--r-lg);box-shadow:var(--shadow-lg);border:1px solid var(--line-dark-2);}
.hero-badge{
  position:absolute;left:-22px;bottom:-22px;background:var(--navy-800);color:var(--on-dark);
  border:1px solid var(--line-dark-2);border-radius:var(--r-lg);padding:16px 20px;box-shadow:var(--shadow-lg);max-width:250px;
  display:flex;gap:12px;align-items:center;
}
.hero-badge .num{font-size:2rem;font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1;}
.hero-badge .lbl{font-size:.82rem;color:var(--on-dark-muted);line-height:1.3;}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:36px;}
  .hero-media{order:-1;}
  .hero-badge{left:12px;bottom:12px;max-width:215px;padding:12px 15px;gap:10px;}
  .hero-badge .num{font-size:1.5rem;}
  .hero-badge .lbl{font-size:.72rem;line-height:1.25;}
}

/* trust strip under hero */
.trust-strip{border-top:1px solid var(--line-dark);background:var(--navy-850);}
.trust-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:26px clamp(20px,4vw,44px);}
.trust-strip .ti{display:flex;flex-direction:column;gap:2px;}
.trust-strip .ti b{color:#fff;font-size:1.05rem;font-weight:700;letter-spacing:-.01em;}
.trust-strip .ti span{color:var(--on-dark-faint);font-size:.82rem;letter-spacing:.02em;}
@media(max-width:720px){.trust-strip .wrap{grid-template-columns:1fr 1fr;gap:20px;}}

/* ---------- Service cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
@media(max-width:900px){.cards{grid-template-columns:1fr 1fr;}}
@media(max-width:560px){.cards{grid-template-columns:1fr;}}
.card{
  position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:30px 28px;transition:transform .3s var(--ease),box-shadow .3s,border-color .3s;
  display:flex;flex-direction:column;min-height:100%;
}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--line-2);}
.card .ic{width:46px;height:46px;border-radius:var(--r);background:var(--navy-900);color:var(--gold-bright);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;}
.card .ic svg{width:23px;height:23px;}
.card h3{font-size:1.24rem;margin-bottom:.5rem;letter-spacing:-.015em;}
.card p{color:var(--muted);font-size:.96rem;margin-bottom:1.1rem;}
.card .link-gold{margin-top:auto;}
.card.dark{background:var(--navy-800);border-color:var(--line-dark-2);}
.card.dark h3{color:#fff;}.card.dark p{color:var(--on-dark-muted);}

/* ---------- Split / content-media ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,72px);align-items:center;}
.split.rev .split-media{order:2;}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:32px;}.split.rev .split-media{order:0;}}
.split-media .ph{border-radius:var(--r-lg);box-shadow:var(--shadow);border:1px solid var(--line);}
.dark .split-media .ph{border-color:var(--line-dark-2);}

/* ---------- Feature list ---------- */
.ticks{display:grid;gap:14px;margin:1.4rem 0;}
.ticks li{display:flex;gap:13px;align-items:flex-start;font-size:1rem;color:var(--muted);}
.ticks li strong{color:var(--ink);}
.dark .ticks li{color:var(--on-dark-muted);}
.dark .ticks li strong{color:#fff;}
.tick{flex:0 0 auto;width:24px;height:24px;border-radius:50%;background:var(--gold-soft);color:var(--gold-deep);
  display:flex;align-items:center;justify-content:center;margin-top:1px;}
.tick svg{width:13px;height:13px;}
.dark .tick{background:rgba(211,185,130,.14);color:var(--gold-bright);}

/* prose */
.prose{max-width:70ch;}
.prose h2{font-size:clamp(1.5rem,1.2rem + 1vw,2rem);margin:2.4em 0 .6em;letter-spacing:-.02em;}
.prose h2:first-child{margin-top:0;}
.prose h3{font-size:1.28rem;margin:1.8em 0 .5em;}
.prose p{color:var(--muted);}
.prose .ticks{margin:1.2rem 0 1.8rem;}
.prose strong{color:var(--ink);}

/* ---------- Steps / process ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s;}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr;}}
@media(max-width:520px){.steps{grid-template-columns:1fr;}}
.step{position:relative;padding:28px 24px;background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);}
.dark .step{background:var(--navy-800);border-color:var(--line-dark-2);}
.step .n{font-size:.82rem;font-weight:800;letter-spacing:.1em;color:var(--gold-deep);}
.dark .step .n{color:var(--gold-bright);}
.step h3{font-size:1.14rem;margin:.6rem 0 .4rem;}
.step p{font-size:.92rem;color:var(--muted);margin:0;}
.dark .step p{color:var(--on-dark-muted);}

/* ---------- Stat band ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;}
@media(max-width:720px){.stats{grid-template-columns:1fr 1fr;gap:22px;}}
.stat .v{font-size:clamp(2rem,1.4rem + 2vw,3rem);font-weight:800;letter-spacing:-.03em;color:#fff;line-height:1;}
.stat .v .u{color:var(--gold-bright);}
.stat .k{margin-top:.5rem;color:var(--on-dark-muted);font-size:.92rem;}

/* ---------- FAQ ---------- */
.faq{max-width:var(--wrap-narrow);margin:0 auto;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;padding:1.35em 44px 1.35em 0;
  position:relative;font-size:1.1rem;font-weight:700;color:var(--ink);letter-spacing:-.01em;line-height:1.35;}
.faq-q::after{content:"";position:absolute;right:6px;top:50%;width:13px;height:13px;
  border-right:2px solid var(--gold-deep);border-bottom:2px solid var(--gold-deep);
  transform:translateY(-70%) rotate(45deg);transition:transform .3s var(--ease);}
.faq-item.open .faq-q::after{transform:translateY(-30%) rotate(-135deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease);}
.faq-a-inner{padding:0 44px 1.5em 0;color:var(--muted);}
.faq-a-inner p{margin-bottom:.6em;}
.faq-a-inner p:last-child{margin-bottom:0;}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(120deg,var(--navy-900),var(--navy-700));color:#fff;position:relative;overflow:hidden;}
.cta-band::before{content:"";position:absolute;top:-40%;left:-5%;width:45%;height:180%;
  background:radial-gradient(closest-side,rgba(183,150,92,.18),transparent 70%);}
.cta-band .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:center;}
.cta-band h2{color:#fff;}
.cta-band p{color:var(--on-dark-muted);margin-top:.8rem;max-width:52ch;}
.cta-band .btn-row{justify-content:flex-end;}
@media(max-width:820px){.cta-band .wrap{grid-template-columns:1fr;gap:24px;}.cta-band .btn-row{justify-content:flex-start;}}

/* ---------- Author box (E-E-A-T) ---------- */
.author{display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:start;
  background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;box-shadow:var(--shadow-sm);}
.author .avatar{width:96px;height:96px;border-radius:var(--r);overflow:hidden;background:var(--navy-800);flex:0 0 auto;}
.author .avatar img{width:100%;height:100%;object-fit:cover;}
.author .role{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;}
.author h3{font-size:1.3rem;margin:.3rem 0 .5rem;}
.author p{color:var(--muted);font-size:.96rem;margin-bottom:.8rem;}
.author .a-links{display:flex;gap:16px;flex-wrap:wrap;font-size:.9rem;}
@media(max-width:560px){.author{grid-template-columns:1fr;}}

/* ---------- Breadcrumb ---------- */
.crumb{background:var(--navy-850);border-bottom:1px solid var(--line-dark);}
.crumb .wrap{display:flex;gap:8px;align-items:center;padding:12px clamp(20px,4vw,44px);font-size:.82rem;color:var(--on-dark-faint);flex-wrap:wrap;}
.crumb a{color:var(--on-dark-muted);}
.crumb a:hover{color:var(--gold-bright);}
.crumb .sep{color:var(--on-dark-faint);}
.crumb .cur{color:var(--on-dark-muted);}

/* ---------- Image placeholder styling ---------- */
figure{margin:0;}
.ph{width:100%;display:block;background:var(--navy-800);}
figure.cap figcaption{margin-top:10px;font-size:.82rem;color:var(--muted-2);}

/* ---------- Info / callout ---------- */
.note{border:1px solid var(--line);border-left:3px solid var(--gold);background:var(--white);
  border-radius:var(--r);padding:20px 22px;color:var(--muted);font-size:.96rem;}
.note strong{color:var(--ink);}
.dark .note{background:var(--navy-800);border-color:var(--line-dark-2);border-left-color:var(--gold);color:var(--on-dark-muted);}

/* pill list */
.pills{display:flex;flex-wrap:wrap;gap:10px;}
.pill{border:1px solid var(--line-2);border-radius:100px;padding:.5em 1em;font-size:.86rem;color:var(--muted);background:#fff;}
.dark .pill{background:rgba(255,255,255,.04);border-color:var(--line-dark-2);color:var(--on-dark-muted);}

/* two-col text */
.cols-2{columns:2;column-gap:44px;}
@media(max-width:720px){.cols-2{columns:1;}}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-900);color:var(--on-dark-muted);border-top:1px solid var(--line-dark);}
.footer-main{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px;padding:clamp(52px,6vw,80px) 0 44px;}
.footer-main .brand img{height:46px;}
.footer-about p{font-size:.92rem;color:var(--on-dark-muted);margin:16px 0;max-width:34ch;}
.footer-social{display:flex;gap:12px;}
.footer-social a{width:38px;height:38px;border:1px solid var(--line-dark-2);border-radius:var(--r);display:flex;align-items:center;justify-content:center;color:var(--on-dark-muted);transition:.2s;}
.footer-social a:hover{border-color:var(--gold);color:var(--gold-bright);}
.footer-social svg{width:17px;height:17px;}
.fcol h4{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:#fff;margin-bottom:18px;font-weight:700;}
.fcol ul{display:grid;gap:11px;}
.fcol a{font-size:.92rem;color:var(--on-dark-muted);transition:color .2s;}
.fcol a:hover{color:var(--gold-bright);}
.fcol .contact-li{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;}
.fcol .contact-li svg{width:16px;height:16px;color:var(--gold);flex:0 0 auto;margin-top:3px;}
.footer-legal{border-top:1px solid var(--line-dark);padding:22px 0;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem;color:var(--on-dark-faint);}
.footer-legal a{color:var(--on-dark-faint);}
.footer-legal a:hover{color:var(--gold-bright);}
.footer-legal .fl-links{display:flex;gap:20px;flex-wrap:wrap;}
@media(max-width:900px){.footer-main{grid-template-columns:1fr 1fr;gap:32px;}}
@media(max-width:560px){.footer-main{grid-template-columns:1fr;}}

/* ---------- Sticky mobile CTA ---------- */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:55;background:var(--navy-850);
  border-top:1px solid var(--line-dark-2);padding:10px 16px;display:none;gap:10px;
  box-shadow:0 -8px 24px rgba(0,0,0,.25);}
.sticky-cta .btn{flex:1;padding:.85em .55em;font-size:.8rem;}
@media(max-width:1080px){.sticky-cta{display:flex;}body{padding-bottom:70px;}}

/* ---------- Disclaimer strip ---------- */
.disclaimer{font-size:.82rem;color:var(--on-dark-faint);border-top:1px solid var(--line-dark);padding:22px 0;line-height:1.6;}
.disclaimer p{color:var(--on-dark-faint);margin:0;}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease);}
.reveal.in{opacity:1;transform:none;}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none;}html{scroll-behavior:auto;}}

/* Mobile: große Wörter/Überschriften sicher umbrechen, Eyebrow kleiner */
@media(max-width:560px){
  .hero h1{font-size:clamp(1.85rem,8vw,2.5rem);}
  .eyebrow{letter-spacing:.1em;font-size:.72rem;}
  .eyebrow::before{display:none;}
}

/* skip link */
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:#1a1206;padding:10px 16px;z-index:200;border-radius:0 0 var(--r) 0;font-weight:700;}
.skip:focus{left:0;}

/* utility */
.hide{display:none !important;}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px;}

/* =========================================================================
   MULTI-STEP FORM
   ========================================================================= */
.anfrage-layout{display:grid;grid-template-columns:1.55fr .95fr;gap:clamp(24px,3vw,44px);align-items:start;}
@media(max-width:940px){.anfrage-layout{grid-template-columns:1fr;}}

.anfrage-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:clamp(22px,3vw,38px);}
.f-top{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:6px;}
.f-step-meta{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--gold-deep);}
.f-counter{font-size:.85rem;color:var(--muted-2);font-weight:600;}
.f-progress{height:6px;background:var(--paper-2);border-radius:100px;overflow:hidden;margin:14px 0 6px;}
.f-progress #f-bar{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold-deep),var(--gold-bright));border-radius:100px;transition:width .4s var(--ease);}
.f-step-label{font-size:1.35rem;font-weight:700;letter-spacing:-.015em;color:var(--ink);margin:18px 0 4px;line-height:1.2;}
.f-step-sub{color:var(--muted);font-size:.95rem;margin-bottom:20px;}

/* step visibility: default (no-JS) => all visible & stacked with separators */
.fstep{padding:22px 0;border-top:1px solid var(--line);}
.fstep:first-of-type{border-top:0;padding-top:6px;}
.fstep .fstep-h{display:none;}
form.js .fstep{display:none;border-top:0;padding:0;}
form.js .fstep.active{display:block;}
form.js .fstep .fstep-h{display:block;}
form.js .f-stacked-label{display:none;}
.f-stacked-label{font-weight:700;color:var(--ink);margin-bottom:12px;display:block;}

/* option grid */
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
.opts.one{grid-template-columns:1fr;}
@media(max-width:520px){.opts{grid-template-columns:1fr;}}
.opt{display:flex;align-items:center;gap:12px;text-align:left;background:#fff;border:1px solid var(--line-2);border-radius:var(--r);
  padding:.95em 1.05em;font-size:.98rem;font-weight:600;color:var(--ink);cursor:pointer;transition:.18s;font-family:inherit;}
.opt input[type=radio],.opt input[type=checkbox]{position:absolute;opacity:0;width:1px;height:1px;pointer-events:none;}
.opt:hover{border-color:var(--gold);background:var(--gold-soft);}
.opt.selected{border-color:var(--gold-deep);background:var(--gold-soft);box-shadow:inset 0 0 0 1px var(--gold-deep);}
.opt .dot{width:20px;height:20px;border-radius:50%;border:2px solid var(--line-2);flex:0 0 auto;position:relative;transition:.18s;}
.opt.selected .dot{border-color:var(--gold-deep);}
.opt.selected .dot::after{content:"";position:absolute;inset:3px;border-radius:50%;background:var(--gold-deep);}

/* fields */
.f-field{margin-bottom:16px;}
.f-grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media(max-width:520px){.f-grid2{grid-template-columns:1fr;}}
.f-field label{display:block;font-size:.82rem;font-weight:700;letter-spacing:.02em;color:var(--ink);margin-bottom:7px;text-transform:uppercase;}
.f-field label .opt-tag{color:var(--muted-2);font-weight:500;text-transform:none;letter-spacing:0;}
.f-field input,.f-field textarea,.f-field select{width:100%;font-family:inherit;font-size:1rem;color:var(--ink);
  background:#fff;border:1px solid var(--line-2);border-radius:var(--r);padding:.85em 1em;transition:.18s;}
.f-field textarea{min-height:120px;resize:vertical;}
.f-field input:focus,.f-field textarea:focus,.f-field select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-soft);}
.f-file{display:flex;align-items:center;gap:12px;flex-wrap:wrap;}
.f-file label.fake{display:inline-flex;align-items:center;gap:8px;cursor:pointer;border:1px dashed var(--line-2);border-radius:var(--r);
  padding:.7em 1.1em;font-size:.9rem;font-weight:600;color:var(--muted);text-transform:none;letter-spacing:0;margin:0;}
.f-file label.fake:hover{border-color:var(--gold);color:var(--ink);}
.f-file input[type=file]{position:absolute;width:1px;height:1px;opacity:0;overflow:hidden;}
#f-file-name{font-size:.86rem;color:var(--muted-2);}

.f-check{display:flex;gap:12px;align-items:flex-start;font-size:.9rem;color:var(--muted);line-height:1.5;}
.f-check input{width:20px;height:20px;flex:0 0 auto;margin-top:2px;accent-color:var(--gold-deep);}
.f-check a{color:var(--gold-deep);font-weight:600;text-decoration:underline;}

.f-req-hint{display:none;color:#b23b3b;font-size:.85rem;font-weight:600;margin-top:10px;}
.f-req-hint.show{display:block;}
.f-qual{display:none;margin-top:14px;}
.f-qual.show{display:block;}

.f-nav{display:flex;justify-content:space-between;align-items:center;gap:14px;margin-top:24px;}
form.js .f-nav{border-top:1px solid var(--line);padding-top:20px;}
.f-back{background:none;border:0;color:var(--muted);font-weight:600;font-size:.92rem;cursor:pointer;display:inline-flex;align-items:center;gap:6px;font-family:inherit;padding:.6em 0;}
.f-back:hover{color:var(--ink);}
.f-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden;}
/* when JS on, hide the single submit row except on last step handled by .active; show Weiter */
.f-weiter{margin-left:auto;}
form:not(.js) .f-back,form:not(.js) .f-weiter,form:not(.js) .f-topbar{display:none;}
form:not(.js) .f-submit-row{display:flex;}
form.js .f-submit-row{display:none;}
form.js .fstep.active .f-submit-row{display:flex;}

/* aside */
.anfrage-aside{display:grid;gap:18px;position:sticky;top:96px;}
.aside-card{background:var(--navy-900);color:var(--on-dark);border-radius:var(--r-lg);padding:26px;border:1px solid var(--line-dark);}
.aside-card h3{color:#fff;font-size:1.15rem;margin-bottom:14px;}
.aside-card .ticks li{color:var(--on-dark-muted);font-size:.93rem;}
.aside-card .ticks li strong{color:#fff;}
.aside-contact{display:grid;gap:12px;margin-top:6px;}
.aside-contact a{display:flex;gap:11px;align-items:center;color:var(--on-dark-muted);font-size:.93rem;}
.aside-contact a:hover{color:var(--gold-bright);}
.aside-contact svg{width:17px;height:17px;color:var(--gold);flex:0 0 auto;}
.aside-img .ph{border-radius:var(--r-lg);border:1px solid var(--line);}

/* success banner */
.f-success{display:none;background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--r-lg);padding:34px;text-align:center;box-shadow:var(--shadow);}
.f-success.show{display:block;}
.f-success .ok{width:64px;height:64px;border-radius:50%;background:var(--gold-soft);color:var(--gold-deep);display:flex;align-items:center;justify-content:center;margin:0 auto 18px;}
.f-success .ok svg{width:32px;height:32px;}
.f-success h2{font-size:1.5rem;margin-bottom:10px;}
.f-success p{color:var(--muted);max-width:46ch;margin-left:auto;margin-right:auto;}

/* =========================================================================
   INHALTSVERZEICHNIS (TOC)
   ========================================================================= */
.toc{max-width:var(--wrap-narrow);margin:0 auto;background:var(--card);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:24px 28px;box-shadow:var(--shadow-sm);}
.toc-head{display:flex;align-items:center;gap:10px;font-size:.78rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gold-deep);margin-bottom:14px;}
.toc-head svg{width:16px;height:16px;}
.toc-list{display:grid;grid-template-columns:1fr 1fr;gap:2px 28px;counter-reset:toc;}
@media(max-width:640px){.toc-list{grid-template-columns:1fr;}}
.toc-list a{display:flex;gap:12px;align-items:baseline;padding:9px 0;border-bottom:1px solid var(--line);
  color:var(--ink);font-size:.97rem;font-weight:500;transition:color .2s;}
.toc-list a:hover{color:var(--gold-deep);}
.toc-list a::before{counter-increment:toc;content:counter(toc,decimal-leading-zero);color:var(--gold);
  font-size:.78rem;font-weight:700;flex:0 0 auto;font-variant-numeric:tabular-nums;}
.toc-more{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:.9rem;color:var(--muted);}
.toc-more a{color:var(--gold-deep);font-weight:700;display:inline-flex;align-items:center;gap:.4em;}
.toc-more a svg{width:13px;height:13px;}
.toc-section{padding:clamp(36px,5vw,56px) 0 0;}
h2[id]{scroll-margin-top:124px;}
.hero [id],[id].section{scroll-margin-top:120px;}