/* Deutsches Vorsorgedepot — weiß, sachlich, institutionell ohne Behörden-Look.
   Weißer Grund, Dunkelblau als einzige Akzentfarbe, Hairlines, durchgehend Sans. */
:root {
  --paper: #ffffff;
  --ink: #1b2430;
  --ink-2: #4a5566;
  --muted: #7b8594;
  --rule: #dfe6ee;
  --rule-2: #edf2f7;
  --tint: #f2f7fc;
  --cream: #fbf8f2;
  --navy: #1a3d6b;
  --navy-2: #24518a;
  --navy-ink: #14304f;
  --green: #2f9e5f;
  --green-2: #27884f;
  --green-soft: #e6f5ec;
  --gold: #d99a2b;
  --gold-soft: #fdf3df;
  --sky: #dfeaf6;
  --r: 6px;
  --sans: "Segoe UI", "Helvetica Neue", Helvetica, Arial, system-ui, sans-serif;
  --max: 1080px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); font-size: 17px; line-height: 1.65; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--navy); }
h1, h2, h3 { font-weight: 700; letter-spacing: -.02em; line-height: 1.1; margin: 0 0 .5em; color: var(--navy-ink); }
h1 { font-size: clamp(2.3rem, 5.6vw, 4.2rem); }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); }
h3 { font-size: 1.12rem; letter-spacing: -.01em; line-height: 1.3; }
p { margin: 0 0 1.1em; }
strong { font-weight: 700; }
.wrap { width: min(var(--max), 100% - 40px); margin-inline: auto; }

/* Buttons & links */
.btn { display: inline-block; font-weight: 600; font-size: 1rem; padding: 14px 24px; border-radius: var(--r); text-decoration: none; border: 1.5px solid var(--navy); background: var(--navy); color: #fff; cursor: pointer; line-height: 1.2; white-space: nowrap; transition: background .15s, color .15s; }
.btn:hover { background: var(--navy-2); border-color: var(--navy-2); }
.btn--green { background: var(--green); border-color: var(--green); }
.btn--green:hover { background: var(--green-2); border-color: var(--green-2); }
.btn--line { background: transparent; color: var(--navy); }
.btn--line:hover { background: var(--navy); color: #fff; }
.btn--paper { background: transparent; color: #fff; border-color: #fff; }
.btn--paper:hover { background: #fff; color: var(--navy); }
.btn--sm { padding: 10px 16px; font-size: .9rem; }
.btn[disabled] { opacity: .5; cursor: wait; }
.arrow { font-weight: 600; text-decoration: none; color: var(--navy); border-bottom: 1.5px solid var(--navy); padding-bottom: 1px; }
.arrow:hover { color: var(--navy-2); }

/* Header: schmaler Schwarz-Rot-Gold-Strich oben, sonst ruhig */
.top { border-bottom: 1px solid var(--rule); background: var(--paper); position: sticky; top: 0; z-index: 20; }
.top::before { content: ""; display: block; height: 3px; background: linear-gradient(90deg, #000 0 33.34%, #dd0000 33.34% 66.67%, #ffce00 66.67% 100%); }
.top__in { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 66px; }
.brand { font-weight: 700; letter-spacing: -.01em; text-decoration: none; font-size: 1.08rem; white-space: nowrap; color: var(--navy-ink); display: inline-flex; align-items: center; gap: 10px; }
.brand img { width: 26px; height: 29px; flex: none; }
.brand em { font-style: normal; font-weight: 400; }
.nav { display: flex; gap: 26px; font-size: .95rem; }
.nav a { text-decoration: none; color: var(--ink-2); }
.nav a:hover { color: var(--navy); }

/* Hero */
.hero { padding: 80px 0 64px; background: linear-gradient(180deg, var(--tint) 0%, #fff 100%); }
.hero__in { display: grid; grid-template-columns: 1fr; gap: 0; }
.hero__bar { display: none; }
.hero__text { max-width: 860px; }
.kicker { font-size: .92rem; color: var(--ink-2); margin: 0 0 22px; padding-left: 14px; border-left: 3px solid var(--gold); }
.kicker b { color: var(--navy-ink); }
.lead { font-size: 1.25rem; line-height: 1.55; max-width: 680px; margin: 26px 0 32px; color: var(--ink-2); }
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px 28px; align-items: center; }
.hero__foot { margin-top: 52px; padding-top: 18px; border-top: 1px solid var(--rule); font-size: .9rem; color: var(--muted); display: flex; gap: 32px; flex-wrap: wrap; }

/* Sections */
.section { padding: 76px 0; border-top: 1px solid var(--rule); }
.section--tint { background: var(--tint); }
#ueber.section--tint { background: var(--cream); }
.section__no { display: inline-block; font-size: .78rem; color: var(--green-2); background: var(--green-soft); border-radius: 999px; padding: 3px 10px; margin: 0 0 12px; letter-spacing: .06em; font-weight: 700; }
.section__head { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: end; margin-bottom: 44px; }
.section__head p { margin: 0; color: var(--ink-2); max-width: 48ch; }

/* Faktenliste */
.facts { list-style: none; margin: 0; padding: 0; border-top: 2px solid var(--navy); }
.facts li { display: grid; grid-template-columns: 64px 1fr 1.6fr; gap: 24px; padding: 24px 0; border-bottom: 1px solid var(--rule); }
.facts .no { font-weight: 700; font-size: 1.1rem; color: var(--navy); line-height: 1.3; padding-top: 1px; }

.facts h3 { margin: 0; }
.facts p { margin: 0; color: var(--ink-2); }
.facts p + p { margin-top: .6em; }

/* Text + Zitat */
.prose { display: grid; grid-template-columns: 1.5fr 1fr; gap: 72px; align-items: start; }
.prose h3 { margin-top: 1.6em; }
.prose p { color: var(--ink-2); }
.pull { margin: 0; padding: 24px 28px; background: var(--tint); border-left: 3px solid var(--navy); }
.pull blockquote { margin: 0 0 12px; font-size: 1.3rem; line-height: 1.4; font-weight: 500; color: var(--navy-ink); }
.pull figcaption { font-size: .85rem; color: var(--muted); }

/* Ablauf */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; counter-reset: s; }
.steps li { border-top: 2px solid var(--green); padding-top: 18px; }
.steps li::before { counter-increment: s; content: "Schritt " counter(s); display: block; font-weight: 600; font-size: .85rem; color: var(--muted); margin-bottom: 10px; letter-spacing: .04em; }
.steps p { margin: 0; color: var(--ink-2); }

/* Formulare */
.formgrid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 72px; align-items: start; }
.formgrid p { color: var(--ink-2); }
.field { display: block; margin-bottom: 20px; }
.field > span { display: block; font-size: .85rem; font-weight: 600; color: var(--ink-2); margin-bottom: 6px; }
.field input, .field select, .field textarea { width: 100%; border: 1.5px solid var(--rule); border-radius: var(--r); background: #fff; padding: 11px 12px; font: inherit; font-size: 1rem; color: var(--ink); }
.field select { appearance: none; -webkit-appearance: none; background-image: linear-gradient(45deg, transparent 50%, currentColor 50%), linear-gradient(135deg, currentColor 50%, transparent 50%); background-position: calc(100% - 16px) 55%, calc(100% - 10px) 55%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 32px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px var(--green-soft); }
.field input::placeholder, .field textarea::placeholder { color: #9aa3ad; }
.field textarea { resize: vertical; min-height: 80px; }
.form .invalid { border-color: #b3261e !important; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.check { display: flex; gap: 12px; align-items: flex-start; font-size: .85rem; color: var(--ink-2); margin: 4px 0 22px; line-height: 1.5; }
.check input { margin: 3px 0 0; width: 16px; height: 16px; flex: none; accent-color: var(--green); }
.check a { color: var(--navy); }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }
.form__msg { margin: 14px 0 0; font-size: .95rem; min-height: 1.2em; }
.form__msg.err { color: #b3261e; }
.form__hint { font-size: .8rem; color: var(--muted); margin: 12px 0 0; }
.done { border-top: 2px solid var(--navy); padding-top: 22px; }
.done p { color: var(--ink-2); }

/* Newsletter-Band */
.nl { background: var(--navy); color: #fff; padding: 72px 0; }
.nl .section__no { background: rgba(255,255,255,.12); color: #fff; }
.nl h2 { color: #fff; }
.nl .section__no { color: #9fb3c8; }
.nl .formgrid p { color: #c9d4df; }
.nl .field > span { color: #c9d4df; }
.nl .field input { border-color: #3d5a7a; background: #fff; color: var(--ink); }
.nl .field input:focus { border-color: #fff; box-shadow: 0 0 0 3px rgba(255, 255, 255, .2); }
.nl .check { color: #c9d4df; }
.nl .check a { color: #fff; }
.nl .done { border-color: #fff; }
.nl .done h3 { color: #fff; }
.nl .done p { color: #c9d4df; }
.nl .form__hint { color: #9fb3c8; }

/* FAQ */
.faq { border-top: 2px solid var(--green); max-width: 820px; }
.faq details { border-bottom: 1px solid var(--rule); }
.faq summary { cursor: pointer; list-style: none; padding: 18px 40px 18px 0; font-weight: 600; font-size: 1.02rem; position: relative; color: var(--navy-ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 12px; font-size: 1.6rem; font-weight: 300; color: var(--green); }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 0; padding: 0 0 20px; color: var(--ink-2); max-width: 66ch; }

/* Über uns */
.about { display: grid; grid-template-columns: 1.5fr 1fr; gap: 72px; }
.about p { color: var(--ink-2); }
.kv { border-top: 2px solid var(--green); }
.kv div { display: flex; justify-content: space-between; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--rule); font-size: .95rem; color: var(--ink-2); }
.kv b { font-size: 1rem; text-align: right; color: var(--navy); }

/* Footer */
.foot { border-top: 1px solid var(--rule); background: var(--cream); padding: 44px 0 36px; font-size: .9rem; color: var(--ink-2); }
.foot__in { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.foot__nav { display: flex; gap: 22px; }
.foot__nav a { text-decoration: none; color: var(--navy-ink); font-weight: 600; }
.foot__legal { margin: 26px 0 0; font-size: .8rem; color: var(--muted); max-width: 80ch; }

/* Consent */
.consent { position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; background: #fff; border-top: 2px solid var(--navy); box-shadow: 0 -6px 24px rgba(0, 0, 0, .06); }
.consent[hidden] { display: none; }
.consent__in { display: flex; gap: 24px; align-items: center; justify-content: space-between; padding: 18px 0; flex-wrap: wrap; }
.consent__in p { margin: 0; font-size: .9rem; color: var(--ink-2); max-width: 70ch; }
.consent__actions { display: flex; gap: 10px; }

/* Rechtsseiten / Statusseiten */
.legal { padding: 64px 0 88px; }
.legal .wrap { max-width: 760px; }
.legal h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
.legal h2 { font-size: 1.4rem; margin-top: 2.2em; }
.legal h3 { font-size: 1.05rem; margin-top: 1.5em; }
.legal p, .legal li { color: var(--ink-2); }
.legal .box { border-top: 2px solid var(--navy); border-bottom: 1px solid var(--rule); padding: 20px 0; }
.legal .box h2 { margin-top: 0; }
.legal .todo { font-size: .85rem; background: var(--tint); border-left: 3px solid var(--navy); padding: 12px 14px; margin-top: 3em; }
.legal code { font-family: Consolas, monospace; font-size: .9em; }
.status { padding: 120px 0; }
.status .wrap { max-width: 640px; }
.status h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); }
.status p { color: var(--ink-2); font-size: 1.1rem; }

/* Responsive */
@media (max-width: 900px) {
  .section__head, .prose, .formgrid, .about { grid-template-columns: 1fr; gap: 36px; }
  .facts li { grid-template-columns: 56px 1fr; }
  .facts li p { grid-column: 2; }
  .steps { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .nav { display: none; }
  .hero { padding: 52px 0 44px; }
  .lead { font-size: 1.1rem; }
  .section { padding: 52px 0; }
  .row2 { grid-template-columns: 1fr; gap: 0; }
  .brand em { display: none; }
  .consent__actions { width: 100%; }
  .consent__actions .btn { flex: 1; text-align: center; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

/* ===== Rechner ===== */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.calc__q { margin: 0 0 26px; }
.calc__q > label, .calc__q > .q { display: block; font-weight: 600; font-size: .95rem; margin-bottom: 10px; color: var(--navy-ink); }
.calc__q small { display: block; font-weight: 400; color: var(--muted); font-size: .8rem; margin-top: 4px; }
.opts { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.opts button { font: inherit; text-align: left; padding: 12px 14px; border: 1.5px solid var(--rule); border-radius: var(--r); background: #fff; cursor: pointer; color: var(--ink); line-height: 1.25; }
.opts button b { display: block; font-size: 1.05rem; color: var(--navy-ink); }
.opts button span { font-size: .8rem; color: var(--muted); }
.opts button.on { border-color: var(--green); box-shadow: inset 0 0 0 1px var(--green); background: var(--green-soft); }
.seg { display: inline-flex; border: 1.5px solid var(--rule); border-radius: var(--r); overflow: hidden; margin-bottom: 10px; }
.seg button { font: inherit; font-size: .9rem; font-weight: 600; padding: 8px 14px; border: 0; background: #fff; cursor: pointer; color: var(--ink-2); }
.seg button.on { background: var(--navy); color: #fff; }
.free { display: flex; align-items: center; gap: 8px; margin-top: 8px; font-size: .9rem; color: var(--ink-2); }
.free input { width: 90px; padding: 8px 10px; border: 1.5px solid var(--rule); border-radius: 3px; font: inherit; }
.stepper { display: flex; align-items: center; gap: 12px; }
.stepper button { width: 36px; height: 36px; font-size: 1.2rem; border: 1.5px solid var(--rule); background: #fff; border-radius: 3px; cursor: pointer; color: var(--navy); }
.stepper output { font-weight: 700; font-size: 1.1rem; min-width: 56px; text-align: center; color: var(--navy-ink); }
.stepper input[type=range] { flex: 1; accent-color: var(--navy); }
.kind { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; font-size: .9rem; color: var(--ink-2); }
.kind input { width: 90px; padding: 7px 10px; border: 1.5px solid var(--rule); border-radius: 3px; font: inherit; }
.kind button { width: 30px; height: 30px; border: 1.5px solid var(--rule); background: #fff; border-radius: 3px; cursor: pointer; color: var(--ink-2); }
.addkind { font: inherit; font-size: .9rem; font-weight: 600; padding: 9px 14px; border: 1.5px dashed var(--rule); background: #fff; border-radius: 3px; cursor: pointer; color: var(--navy); width: 100%; }
.result { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 24px; position: sticky; top: 90px; box-shadow: 0 6px 24px rgba(26, 61, 107, .08); }
.result__big { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 700; color: var(--navy); letter-spacing: -.02em; line-height: 1.1; margin: 0 0 4px; }
.result__big small { font-size: 1rem; font-weight: 500; color: var(--ink-2); display: block; letter-spacing: 0; margin-top: 4px; }
.bars { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: end; height: 200px; margin: 22px 0 10px; }
.bars > div { display: flex; flex-direction: column; align-items: center; justify-content: flex-end; height: 100%; }
.bars .bar { width: 72px; background: var(--rule); border-radius: 3px 3px 0 0; transition: height .25s; }
.bars .bar.on { background: var(--green); }
.bars .lbl { font-size: .75rem; font-weight: 600; letter-spacing: .06em; color: var(--muted); margin-top: 8px; text-transform: uppercase; }
.bars .val { font-weight: 700; color: var(--navy-ink); margin-bottom: 6px; font-size: .95rem; }
.bars .plus { color: var(--green-2); font-weight: 700; font-size: .9rem; margin-bottom: 4px; }
.detail { margin-top: 18px; border-top: 1px solid var(--rule); }
.detail summary { cursor: pointer; padding: 12px 0; font-weight: 600; font-size: .95rem; color: var(--navy-ink); list-style: none; }
.detail summary::-webkit-details-marker { display: none; }
.detail summary::after { content: " +"; color: var(--navy); }
.detail[open] summary::after { content: " –"; }
.kvs div { display: flex; justify-content: space-between; gap: 16px; padding: 8px 0; border-top: 1px solid var(--rule-2); font-size: .9rem; color: var(--ink-2); }
.kvs b { color: var(--navy-ink); white-space: nowrap; }
.hinweis { font-size: .85rem; color: var(--muted); margin: 10px 0 0; min-height: 1.2em; }
.result .btn { margin-top: 18px; width: 100%; text-align: center; }

.hoch { margin-top: 56px; padding-top: 40px; border-top: 1px solid var(--rule); }
.hoch__head { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; margin-bottom: 20px; }
.hoch__grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 48px; align-items: start; }
.chart svg { width: 100%; height: auto; display: block; }
.chart .grid line { stroke: var(--rule-2); }
.chart .grid text, .chart .ax text { font-size: 11px; fill: var(--muted); }
.chart .a1 polygon { fill: var(--navy); }
.chart .a2 polygon { fill: var(--green); }
.chart .a3 polygon { fill: var(--sky); }
.legend { display: flex; gap: 18px; flex-wrap: wrap; font-size: .85rem; color: var(--ink-2); margin: 10px 0 0; }
.legend i { display: inline-block; width: 12px; height: 12px; border-radius: 2px; margin-right: 6px; vertical-align: -1px; }
.rows { border-top: 2px solid var(--navy); font-size: .9rem; }
.rows div { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 8px; padding: 10px 0; border-bottom: 1px solid var(--rule); color: var(--ink-2); }
.rows div.head { color: var(--muted); font-size: .78rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; }
.rows div.lead { color: var(--navy-ink); font-weight: 700; }
.rows span:not(:first-child) { text-align: right; }
.method { font-size: .85rem; color: var(--muted); margin-top: 20px; }
.method summary { cursor: pointer; font-weight: 600; color: var(--ink-2); list-style: none; padding: 10px 0; border-top: 1px solid var(--rule); }
.method summary::-webkit-details-marker { display: none; }
.method ol { padding-left: 18px; margin: 8px 0 0; }
.method li { margin-bottom: 6px; }

/* Anbieter-Tabelle */
.anb { border-top: 2px solid var(--navy); }
.anb > div { display: grid; grid-template-columns: 1.1fr 2fr 1.2fr; gap: 20px; padding: 16px 0; border-bottom: 1px solid var(--rule); font-size: .95rem; color: var(--ink-2); }
.anb > div.head { color: var(--muted); font-size: .78rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; padding: 10px 0; }
.anb b { color: var(--navy-ink); }
.anb .tag { font-size: .8rem; font-weight: 600; color: var(--navy); }

@media (max-width: 900px) {
  .calc, .hoch__grid { grid-template-columns: 1fr; gap: 32px; }
  .result { position: static; }
  .anb > div { grid-template-columns: 1fr; gap: 6px; }
}
@media (max-width: 640px) {
  .rows div { grid-template-columns: 1.2fr 1fr 1fr; }
  .rows span:nth-child(4) { display: none; }
}

/* ===== Animationen (ruhig, einmalig, respektiert reduzierte Bewegung) ===== */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s cubic-bezier(.2,.7,.2,1), transform .7s cubic-bezier(.2,.7,.2,1); transition-delay: var(--d, 0ms); }
.reveal.in { opacity: 1; transform: none; }
.stagger > * { opacity: 0; transform: translateY(14px); transition: opacity .6s cubic-bezier(.2,.7,.2,1), transform .6s cubic-bezier(.2,.7,.2,1); transition-delay: var(--d, 0ms); }
.reveal.in.stagger > *, .stagger.in > * { opacity: 1; transform: none; }
.hero__text > * { animation: rise .8s cubic-bezier(.2,.7,.2,1) both; }
.hero__text > :nth-child(1) { animation-delay: .05s } .hero__text > :nth-child(2) { animation-delay: .15s } .hero__text > :nth-child(3) { animation-delay: .28s }
.hero__text > :nth-child(4) { animation-delay: .4s } .hero__text > :nth-child(5) { animation-delay: .52s }
@keyframes rise { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
.top { transition: box-shadow .25s; }
.top.scrolled { box-shadow: 0 4px 18px rgba(15, 43, 70, .08); }
.btn { transition: background .15s, color .15s, transform .15s, box-shadow .15s; }
.btn:hover { transform: translateY(-1px); box-shadow: 0 6px 16px rgba(26, 61, 107, .18); }
.btn:active { transform: none; box-shadow: none; }
.opts button, .seg button, .stepper button { transition: background .15s, border-color .15s, box-shadow .15s; }
.bars .bar { transition: height .5s cubic-bezier(.2,.7,.2,1); }
.chart .a1 polygon, .chart .a2 polygon, .chart .a3 polygon { transition: d .4s; }
details.acc .acc__body { overflow: hidden; transition: height .35s cubic-bezier(.2,.7,.2,1); }
.facts li, .anb > div, .steps li { transition: background .2s; }
.facts li:hover { background: var(--tint); }

/* Zahlen-Leiste „Warum jetzt" */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.stats > div { background: var(--tint); border-radius: var(--r); padding: 26px 24px !important; border: 0 !important; }
.stats > div { padding: 26px 28px 26px 0; border-right: 1px solid var(--rule); }
.stats > div:last-child { border-right: 0; }
.stats > div + div { padding-left: 28px; }
.stats b { display: block; font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; letter-spacing: -.03em; color: var(--gold); line-height: 1; margin-bottom: 8px; font-variant-numeric: tabular-nums; }
.stats span { color: var(--ink-2); font-size: .95rem; }

/* Fakten-Gruppen */
.groups { display: grid; grid-template-columns: 1fr 1fr; gap: 0 48px; }
.group { border-top: 2px solid var(--navy); padding: 20px 0 28px; }
.group h3 { margin-bottom: 12px; }
.group ul { margin: 0; padding: 0; list-style: none; }
.group li { padding: 9px 0; border-top: 1px solid var(--rule-2); color: var(--ink-2); font-size: .97rem; }
.group li b { color: var(--navy-ink); font-weight: 600; }

/* Abschluss-Band */
.closing { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; padding: 72px 0; text-align: left; }
.closing h2 { color: #fff; max-width: 20ch; }
.closing p { color: #c9d4df; max-width: 60ch; }
.closing .btn--paper { margin-right: 20px; }
.closing .arrow { color: #fff; border-color: #fff; }

/* Mobile CTA-Leiste */
.ctabar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-top: 1px solid var(--rule); padding: 10px 16px; transform: translateY(110%); transition: transform .3s cubic-bezier(.2,.7,.2,1); display: none; }
.ctabar.show { transform: none; }
.ctabar .btn { width: 100%; text-align: center; }

/* Vertrauens-Zeile */
.proof { display: flex; gap: 28px; flex-wrap: wrap; font-size: .9rem; color: var(--ink-2); border-top: 1px solid var(--rule); padding-top: 18px; margin-top: 32px; }
.proof b { color: var(--green-2); }

@media (max-width: 900px) {
  .stats { grid-template-columns: 1fr; }
  .stats > div { border-right: 0; border-bottom: 1px solid var(--rule); padding: 18px 0; }
  .stats > div + div { padding-left: 0; }
  .stats > div:last-child { border-bottom: 0; }
  .groups { grid-template-columns: 1fr; }
}
@media (max-width: 640px) { .ctabar { display: block; } body { padding-bottom: 0; } }
@media (prefers-reduced-motion: reduce) {
  .reveal, .stagger > * { opacity: 1; transform: none; transition: none; }
  .hero__text > * { animation: none; }
  .btn:hover { transform: none; }
  details.acc .acc__body { transition: none; }
}

.stats b span { font-size: inherit; color: inherit; }

/* ===== Boxen-Layout (weniger Text, mehr Struktur) ===== */
.boxes { display: grid; gap: 16px; }
.boxes--2 { grid-template-columns: 1fr 1fr; }
.boxes--3 { grid-template-columns: repeat(3, 1fr); }
.boxes--4 { grid-template-columns: repeat(4, 1fr); }
.box { background: #fff; border: 1px solid var(--rule); border-top: 4px solid var(--navy); border-radius: var(--r); padding: 22px 22px 20px; box-shadow: 0 2px 10px rgba(26, 61, 107, .05); transition: transform .2s, box-shadow .2s; }
.box:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(26, 61, 107, .10); }
.box h3 { margin: 0 0 6px; font-size: 1.08rem; }
.box .sub { color: var(--muted); font-size: .85rem; margin: 0 0 14px; }
.box ul { list-style: none; margin: 0; padding: 0; }
.box li { padding: 8px 0; border-top: 1px solid var(--rule-2); color: var(--ink-2); font-size: .93rem; line-height: 1.45; }
.box li b { color: var(--navy-ink); font-weight: 600; }
.box--warn { border-top-color: #d9742b; }
.box--ok { border-top-color: var(--green); }
.box .num { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--green-soft); font-size: 1.3rem; font-weight: 700; color: var(--green-2); letter-spacing: -.03em; line-height: 1; margin-bottom: 10px; }
.box .when { font-size: .8rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin: 0 0 6px; }
.box p { color: var(--ink-2); font-size: .95rem; margin: 0; }

/* Produkt-Vergleich */
.prod { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); overflow: hidden; padding: 0; display: flex; flex-direction: column; box-shadow: 0 2px 10px rgba(26, 61, 107, .05); }
.prod--hi { border-color: var(--green); box-shadow: 0 0 0 2px var(--green-soft), 0 10px 24px rgba(47, 158, 95, .12); }
.prod header { padding: 18px 20px 14px; background: var(--tint); border-bottom: 1px solid var(--rule); }
.prod--hi header { background: var(--green-soft); }
.prod header h3 { margin: 0 0 4px; font-size: 1.05rem; }
.prod header .sub { margin: 0; }
.prod dl { margin: 0; padding: 0 20px 6px; }
.prod dt { font-size: .72rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); padding-top: 10px; border-top: 1px solid var(--rule-2); }
.prod dd { margin: 2px 0 10px; font-size: .92rem; color: var(--ink-2); line-height: 1.4; }
.prod dd b { color: var(--navy-ink); font-weight: 600; }
.prod .fit { margin-top: auto; padding: 12px 20px 16px; background: var(--gold-soft); font-size: .88rem; color: var(--ink-2); border-top: 1px solid var(--rule-2); }
.prod .fit b { color: var(--navy-ink); }
.note { font-size: .95rem; color: var(--ink-2); background: var(--gold-soft); border-left: 4px solid var(--gold); border-radius: var(--r); padding: 14px 18px; margin: 22px 0 0; }

/* Person */
.person { display: grid; grid-template-columns: 220px 1fr; gap: 40px; align-items: start; }
.portrait { width: 220px; height: 260px; object-fit: cover; display: block; border: 0; border-radius: var(--r); background: var(--sky); box-shadow: 0 8px 24px rgba(26, 61, 107, .12); }
.portrait--ph { display: grid; place-items: center; font-weight: 700; font-size: 3rem; color: var(--navy); letter-spacing: -.04em; }
.person h2 { margin-bottom: 4px; }
.person .role { color: var(--muted); font-size: .95rem; margin: 0 0 18px; }
.person blockquote { margin: 0 0 18px; padding: 0; border: 0; font-size: 1.15rem; line-height: 1.5; color: var(--navy-ink); }
.person p { color: var(--ink-2); }
.person .kv { margin-top: 18px; }

/* Kompaktere Abschnittsköpfe */
.section__head--tight { margin-bottom: 28px; }
.section__head--tight p { font-size: .98rem; }

@media (max-width: 1000px) { .boxes--4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 900px) { .boxes--3 { grid-template-columns: 1fr; } .person { grid-template-columns: 1fr; } .portrait { width: 160px; height: 190px; } }
@media (max-width: 640px) { .boxes--2, .boxes--4 { grid-template-columns: 1fr; } }

/* ===== Symbole, Vergleiche, Diagramme ===== */
.ic { width: 18px; height: 18px; flex: none; vertical-align: -3px; }
.ic--ok { color: var(--green); } .ic--no { color: #d9742b; } .ic--mid { color: var(--gold); }
.pl { list-style: none; margin: 0; padding: 0; }
.pl li { display: flex; gap: 10px; align-items: flex-start; padding: 7px 0; font-size: .92rem; color: var(--ink-2); line-height: 1.4; border-top: 1px solid var(--rule-2); }
.pl li .ic { margin-top: 2px; }
.prod .pl { padding: 0 20px; }
.prod .lbl { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); padding: 14px 20px 4px; }

/* Vergleichsmatrix */
.matrix { width: 100%; border-collapse: separate; border-spacing: 0; background: #fff; border: 1px solid var(--rule); border-radius: var(--r); overflow: hidden; font-size: .92rem; }
.matrix th, .matrix td { padding: 12px 14px; border-bottom: 1px solid var(--rule-2); text-align: center; vertical-align: middle; }
.matrix th { background: var(--tint); font-weight: 700; color: var(--navy-ink); font-size: .88rem; }
.matrix th:first-child, .matrix td:first-child { text-align: left; color: var(--ink-2); font-weight: 500; }
.matrix tr:last-child td { border-bottom: 0; }
.matrix .ic { width: 22px; height: 22px; }
.matrix td small { display: block; font-size: .75rem; color: var(--muted); margin-top: 2px; }
.matrix .hi { background: var(--green-soft); }
.matrix th.hi { background: #d6efdf; }
.mwrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.mwrap .matrix { min-width: 680px; }

/* Vorher/Nachher Riester */
.vs { width: 100%; border-collapse: collapse; font-size: .92rem; background: #fff; border: 1px solid var(--rule); border-radius: var(--r); overflow: hidden; }
.vs th, .vs td { padding: 11px 14px; border-bottom: 1px solid var(--rule-2); text-align: left; }
.vs th { background: var(--tint); font-size: .85rem; color: var(--navy-ink); }
.vs td:first-child { color: var(--ink-2); }
.vs td.old { color: var(--muted); }
.vs td.new { font-weight: 600; color: var(--navy-ink); }
.vs tr:last-child td { border-bottom: 0; }

/* Diagramm-Container */
.fig { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 18px 18px 12px; box-shadow: 0 2px 10px rgba(26, 61, 107, .05); }
.fig h3 { font-size: 1rem; margin: 0 0 4px; }
.fig .sub { font-size: .85rem; color: var(--muted); margin: 0 0 12px; }
.fig svg { width: 100%; height: auto; display: block; }
.fig .src { font-size: .75rem; color: var(--muted); margin: 8px 0 0; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.donut { display: grid; grid-template-columns: 140px 1fr; gap: 16px; align-items: center; margin: 14px 0 6px; }
.donut svg { width: 140px; height: 140px; }
.donut ul { list-style: none; margin: 0; padding: 0; font-size: .9rem; color: var(--ink-2); }
.donut li { display: flex; justify-content: space-between; gap: 10px; padding: 5px 0; border-top: 1px solid var(--rule-2); }
.donut li b { color: var(--navy-ink); }
.donut i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; margin-right: 8px; }

@media (max-width: 900px) { .two { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .donut { grid-template-columns: 1fr; justify-items: center; } }

/* ===== v16: große Matrix, neutral, Hover überall ===== */
.matrix--big th { vertical-align: top; }
.matrix--big th b { display: block; font-size: .95rem; color: var(--navy-ink); }
.matrix--big th small { display: block; font-weight: 400; color: var(--muted); font-size: .75rem; margin-top: 3px; }
.matrix .hi, .matrix th.hi { background: inherit; }
.matrix tbody tr { transition: background .15s; }
.matrix tbody tr:hover td { background: var(--tint); }
.matrix tbody td { transition: background .15s, box-shadow .15s; }
.matrix tbody td.col-hover, .matrix thead th.col-hover { background: var(--green-soft); }
.matrix tbody tr:hover td.col-hover { background: #d6efdf; }
.matrix .fitrow td { font-size: .85rem; color: var(--ink-2); background: var(--gold-soft); text-align: left; vertical-align: top; }
.matrix .fitrow td:first-child { font-weight: 700; color: var(--navy-ink); }
.matrix tbody tr.fitrow:hover td { background: #fbeccb; }
.mwrap .matrix--big { min-width: 820px; }
.vs tbody tr { transition: background .15s; }
.vs tbody tr:hover td { background: var(--tint); }
.fig { transition: transform .2s, box-shadow .2s; }
.fig:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(26, 61, 107, .10); }
.stats > div { transition: transform .2s, box-shadow .2s, background .2s; }
.stats > div:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(26, 61, 107, .10); background: #fff; }
.kv div { transition: background .15s; }
.kv div:hover { background: var(--tint); }
.pl li { transition: background .15s; border-radius: 4px; }
.pl li:hover { background: var(--tint); }
.faq summary { transition: color .15s, padding-left .2s; }
.faq summary:hover { color: var(--green-2); padding-left: 6px; }
.opts button:hover { border-color: var(--navy-2); background: var(--tint); }
.seg button:hover:not(.on) { background: var(--tint); }
.stepper button:hover, .kind button:hover, .addkind:hover { border-color: var(--green); color: var(--green-2); background: var(--green-soft); }
.nav a { position: relative; transition: color .15s; }
.nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -4px; height: 2px; background: var(--green); transform: scaleX(0); transform-origin: left; transition: transform .2s; }
.nav a:hover::after { transform: scaleX(1); }
.arrow { transition: color .15s, border-color .15s, padding-left .2s; }
.arrow:hover { padding-left: 4px; }
.result { transition: box-shadow .2s; }
.result:hover { box-shadow: 0 12px 32px rgba(26, 61, 107, .12); }
.portrait { transition: transform .25s, box-shadow .25s; }
.portrait:hover { transform: translateY(-3px); box-shadow: 0 14px 30px rgba(26, 61, 107, .18); }
.brand img { transition: transform .2s; }
.brand:hover img { transform: translateY(-2px); }
.foot__nav a { transition: color .15s; }
.foot__nav a:hover { color: var(--green-2); }
.detail summary:hover, .method summary:hover { color: var(--green-2); }
@media (prefers-reduced-motion: reduce) { .fig:hover, .stats > div:hover, .portrait:hover, .brand:hover img { transform: none; } }

/* ===== v17: Drei Wege ===== */
.way { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); overflow: hidden; display: flex; flex-direction: column; box-shadow: 0 2px 10px rgba(26, 61, 107, .05); transition: transform .2s, box-shadow .2s; }
.way:hover { transform: translateY(-3px); box-shadow: 0 12px 28px rgba(26, 61, 107, .12); }
.way header { padding: 22px 22px 18px; }
.way .who { display: inline-block; font-size: .75rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--navy); background: var(--tint); border-radius: 999px; padding: 4px 10px; margin-bottom: 12px; }
.way h3 { margin: 0 0 8px; font-size: 1.15rem; }
.way header p { margin: 0; color: var(--ink-2); font-size: .95rem; }
.way .maybe { margin-top: auto; background: var(--green-soft); border-top: 1px solid #cfe9d9; padding: 16px 22px 18px; }
.way .maybe__t { margin: 0 0 6px; font-weight: 700; font-size: .9rem; color: var(--green-2); }
.way .maybe .pl li { border-top-color: rgba(47, 158, 95, .15); padding: 6px 0; font-size: .9rem; }
.way .maybe .pl li:hover { background: rgba(255,255,255,.6); }
.mwrap .matrix--big { min-width: 700px; }

/* ===== v19: Gruppenzeilen in der Matrix ===== */
.matrix tr.grp td { background: var(--navy); color: #fff; font-size: .75rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; text-align: left; padding: 8px 14px; }
.matrix tbody tr.grp:hover td { background: var(--navy-2); }
.matrix td small { max-width: 180px; margin-left: auto; margin-right: auto; }

/* ===== v20: kompakt, bündig ===== */
body { font-size: 16px; line-height: 1.55; }
h1 { font-size: clamp(2rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.9rem); }
.hero { padding: 44px 0 36px; }
.lead { font-size: 1.08rem; margin: 18px 0 20px; }
.hero__foot { margin-top: 28px; padding-top: 12px; gap: 20px; }
.section { padding: 40px 0; }
.section__head, .section__head--tight { margin-bottom: 18px; gap: 24px; }
.section__head p { font-size: .95rem; }
.section__no { margin-bottom: 8px; }
.stats { gap: 10px; }
.stats > div { padding: 16px 18px !important; }
.stats b { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 4px; }
.two { gap: 10px; }
.fig { padding: 12px 14px 8px; }
.fig h3 { font-size: .95rem; } .fig .sub { margin-bottom: 6px; }
.boxes { gap: 10px; }
.box { padding: 14px 16px 12px; }
.box li { padding: 6px 0; font-size: .9rem; }
.way header { padding: 16px 16px 12px; }
.way header p { font-size: .9rem; }
.way .maybe { padding: 10px 16px 12px; }
.way .maybe .pl li { padding: 4px 0; font-size: .87rem; }
.matrix th, .matrix td { padding: 8px 10px; font-size: .88rem; }
.matrix .ic { width: 20px; height: 20px; }
.matrix td small { font-size: .72rem; }
.vs th, .vs td { padding: 8px 10px; }
.calc { gap: 28px; }
.calc__q { margin-bottom: 16px; }
.opts { gap: 6px; } .opts button { padding: 9px 11px; }
.result { padding: 18px; }
.bars { height: 150px; margin: 14px 0 6px; }
.hoch { margin-top: 32px; padding-top: 24px; }
.hoch__grid { gap: 28px; }
.formgrid { gap: 32px; }
.field { margin-bottom: 12px; }
.field input, .field select, .field textarea { padding: 9px 11px; font-size: .95rem; }
.row2 { gap: 12px; }
.check { margin: 2px 0 14px; }
.nl { padding: 40px 0; }
.faq summary { padding: 12px 40px 12px 0; font-size: .98rem; }
.faq summary::after { top: 8px; }
.faq details p { padding-bottom: 12px; font-size: .95rem; }
.person { gap: 28px; }
.person blockquote { font-size: 1.05rem; margin-bottom: 12px; }
.kv div { padding: 9px 0; }
.closing { padding: 44px 0; }
.foot { padding: 28px 0 22px; }
.note { margin-top: 14px; padding: 10px 14px; font-size: .9rem; }
.kicker { margin-bottom: 14px; }
.pull { padding: 16px 20px; } .pull blockquote { font-size: 1.1rem; }
.legend { margin-top: 6px; font-size: .82rem; }
.prose, .about { gap: 36px; }

/* CTA-Streifen */
.strip { background: var(--navy); color: #fff; }
.strip--b { background: var(--green-2); }
.strip--c { background: var(--gold); color: var(--navy-ink); }
.strip__in { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 14px 0; flex-wrap: wrap; }
.strip b { display: block; font-size: 1.05rem; }
.strip span { font-size: .9rem; opacity: .85; }
.strip__cta { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.strip .arrow { color: inherit; border-color: currentColor; font-size: .9rem; }
.strip--a .btn--green, .strip--b .btn--green { background: #fff; color: var(--navy-ink); border-color: #fff; }
.strip--a .btn--green:hover, .strip--b .btn--green:hover { background: var(--gold-soft); border-color: var(--gold-soft); }
.strip--c .btn--green { background: var(--navy); border-color: var(--navy); color: #fff; }

/* PDF-Mock */
.pdfmock { margin: 14px 0 0; }
.pdfmock__page { width: 150px; background: #fff; color: var(--ink); border-radius: 3px; padding: 14px 12px; box-shadow: 0 10px 24px rgba(0,0,0,.25); transform: rotate(-2deg); transition: transform .25s; }
.pdfmock__page:hover { transform: rotate(0) translateY(-3px); }
.pdfmock__page b { display: block; font-size: .8rem; color: var(--navy-ink); line-height: 1.2; }
.pdfmock__page span { display: block; font-size: .62rem; color: var(--muted); margin: 2px 0 8px; }
.pdfmock__page i { display: block; height: 5px; background: var(--rule); border-radius: 2px; margin: 4px 0; }
.pdfmock__page em { display: inline-block; margin-top: 8px; font-style: normal; font-size: .62rem; font-weight: 700; color: var(--green-2); background: var(--green-soft); padding: 2px 6px; border-radius: 999px; }
.arrow--pdf::before { content: "↓ "; }
@media (max-width: 640px) { .strip__in { padding: 12px 0; } .section { padding: 30px 0; } .hero { padding: 32px 0 26px; } }

/* ===== v22: Baustein-Kreis ===== */
.bst { display: grid; grid-template-columns: 300px 1fr; gap: 40px; align-items: center; }
.bst__chart svg { width: 100%; max-width: 300px; height: auto; display: block; margin: 0 auto; }
.bst__chart path { transition: transform .2s, opacity .2s; transform-origin: 110px 110px; cursor: default; }
.bst__chart path:hover { transform: scale(1.04); }
.bst__chart svg:hover path:not(:hover) { opacity: .55; }
.bst__legend { list-style: none; margin: 10px 0 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 4px 16px; font-size: .88rem; color: var(--ink-2); }
.bst__legend li { display: flex; align-items: center; gap: 8px; padding: 3px 0; }
.bst__legend li.hi { font-weight: 700; color: var(--green-2); }
.bst__legend i { display: inline-block; width: 11px; height: 11px; border-radius: 2px; flex: none; }
@media (max-width: 800px) { .bst { grid-template-columns: 1fr; gap: 18px; } .bst__legend { grid-template-columns: 1fr; } }

/* ===== v23 (nur Struktur): Förderungs-Flow + Verteilungs-Donut, Palette = v22 ===== */
/* Förderungs-Flow im Rechner */
.flow { display: flex; align-items: stretch; gap: 0; margin: 14px 0 4px; flex-wrap: wrap; }
.flow__step { flex: 1 1 110px; background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 8px 10px; min-width: 0; }
.flow__step span { display: block; font-size: .68rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); font-weight: 600; margin-bottom: 2px; }
.flow__step b { display: block; font-size: .82rem; color: var(--ink); font-weight: 500; line-height: 1.3; }
.flow__step--z { border-color: var(--gold); background: var(--gold-soft); }
.flow__step--g { border-color: var(--navy); background: var(--tint); }
.flow__step--g b { color: var(--navy); font-weight: 600; }
.flow__arrow { flex: 0 0 14px; align-self: center; height: 1px; background: var(--gold); position: relative; }
.flow__arrow::after { content: ""; position: absolute; right: -1px; top: -3px; border: 3.5px solid transparent; border-left-color: var(--gold); }

/* Verteilungs-Donut mit Karten */
.vert { display: grid; grid-template-columns: 1fr 260px 1fr; gap: 20px; align-items: center; }
.vert__chart svg { width: 100%; max-width: 260px; height: auto; display: block; margin: 0 auto; }
.vert__chart path { transition: opacity .2s, transform .2s; transform-origin: 110px 110px; cursor: default; }
.hint { background: var(--tint); border-bottom: 1px solid var(--rule); font-size: .78rem; color: var(--muted); text-align: center; padding: 6px 0; letter-spacing: .02em; }
.matrix tr.grp--b td { background: var(--gold); color: var(--navy-ink); }
.matrix tbody tr.grp--b:hover td { background: #c68a1f; }
.vert__chart path.dim { opacity: .3; }
.vert__chart path:hover { transform: scale(1.03); }
.vert__col { display: flex; flex-direction: column; gap: 10px; }
.vert__col:first-child { align-items: flex-end; } .vert__col:last-child { align-items: flex-start; }
.vcard { display: inline-flex; align-items: center; gap: 10px; background: var(--paper); border: 1px solid var(--rule); border-left: 4px solid var(--seg, var(--navy)); border-radius: var(--r); padding: 10px 14px; font-weight: 500; font-size: .95rem; color: var(--ink); transition: opacity .2s, transform .2s, box-shadow .2s; cursor: default; }
.vcard .ic { color: var(--seg, var(--navy)); }
.vcard:hover { transform: translateY(-2px); box-shadow: 0 6px 18px rgba(15, 59, 69, .10); }
.vcard.dim { opacity: .35; }
.vert__legend { list-style: none; margin: 16px 0 0; padding: 0; display: flex; gap: 8px 22px; flex-wrap: wrap; justify-content: center; font-size: .85rem; color: var(--ink-2); }
.vert__legend li { display: flex; align-items: center; gap: 8px; transition: opacity .2s; cursor: default; }
.vert__legend li.dim { opacity: .35; }
.vert__legend i { width: 11px; height: 11px; border-radius: 2px; display: inline-block; }
@media (max-width: 900px) {
  .vert { grid-template-columns: 1fr; }
  .vert__col, .vert__col:first-child, .vert__col:last-child { flex-direction: row; flex-wrap: wrap; justify-content: center; align-items: stretch; }
  .flow__arrow { display: none; } .flow { gap: 8px; }
}

/* ===== v25: ausgedünnt ===== */
.fig--wide { max-width: 760px; }
.fig--wide svg { max-height: 220px; }
.callout { display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; background: var(--navy); color: #fff; border-radius: var(--r); padding: 16px 20px; margin-top: 16px; }
.callout b { color: #fff; }
.callout .btn { background: var(--green); border-color: var(--green); color: #fff; white-space: nowrap; }
.callout .btn:hover { background: #fff; border-color: #fff; color: var(--navy); }
.verdict { display: grid; grid-template-columns: 1fr 1fr 1.1fr; gap: 12px; }
.verdict__col, .verdict__sum { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 16px 18px; }
.verdict__t { font-size: .75rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin: 0 0 6px; }
.verdict__t--ok { color: var(--green-2); } .verdict__t--no { color: #d9742b; }
.verdict__col .pl li { font-size: .92rem; }
.verdict__sum { background: var(--navy); color: #fff; border: 0; }
.verdict__sum .verdict__t { color: var(--gold); }
.verdict__big { font-size: 1.5rem; font-weight: 700; margin: 0 0 6px; letter-spacing: -.02em; }
.verdict__sum p:last-child { margin: 0; font-size: .92rem; color: #d6e0ec; }
.route { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 2px solid var(--navy); }
.route li { padding: 16px 18px 14px 0; border-right: 1px solid var(--rule); display: flex; flex-direction: column; gap: 4px; position: relative; }
.route li + li { padding-left: 18px; }
.route li:last-child { border-right: 0; }
.route li::before { content: ""; position: absolute; top: -7px; left: 0; width: 12px; height: 12px; border-radius: 50%; background: var(--green); border: 2px solid #fff; }
.route li + li::before { left: 18px; }
.route__when { font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); }
.route b { font-size: 1rem; color: var(--navy-ink); }
.route li > span:last-child { font-size: .88rem; color: var(--ink-2); }
@media (max-width: 800px) {
  .verdict { grid-template-columns: 1fr; }
  .route { grid-template-columns: 1fr; border-top: 0; border-left: 2px solid var(--navy); }
  .route li, .route li + li { padding: 10px 0 10px 18px; border-right: 0; }
  .route li::before, .route li + li::before { left: -7px; top: 14px; }
}

/* ===== v26: bildschirmfüllender Hero, Kurzfassung, Detailseite ===== */
.hero--full { min-height: calc(100vh - 66px); display: flex; flex-direction: column; justify-content: center; position: relative; padding: 32px 0 72px; background: linear-gradient(180deg, var(--tint) 0%, #fff 100%); }
.hero__grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: 44px; align-items: center; }
.hero--full h1 { font-size: clamp(2rem, 4.2vw, 3.3rem); }
.hero--full .lead { font-size: 1.1rem; margin: 16px 0 22px; }
.badge { display: inline-flex; align-items: center; gap: 8px; font-size: .8rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--navy); background: #fff; border: 1px solid var(--rule); border-radius: 999px; padding: 6px 12px 6px 10px; margin: 0 0 18px; }
.badge__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 3px var(--green-soft); }
.hero__disc { margin: 22px 0 0; font-size: .85rem; color: var(--ink-2); border-left: 3px solid var(--gold); padding-left: 12px; max-width: 56ch; }
.hero__disc b { color: var(--navy-ink); }
.kurz { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 20px 22px 16px; box-shadow: 0 10px 30px rgba(26, 61, 107, .08); }
.kurz__t { margin: 0 0 6px; font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.kurz .pl li { font-size: .92rem; padding: 9px 0; }
.kurz .pl li b { color: var(--navy-ink); }
.kurz__src { margin: 10px 0 0; font-size: .78rem; color: var(--muted); }
.scrollcue { position: absolute; left: 50%; bottom: 18px; transform: translateX(-50%); width: 26px; height: 42px; border: 2px solid var(--rule); border-radius: 14px; display: block; }
.scrollcue span { position: absolute; left: 50%; top: 8px; width: 4px; height: 8px; margin-left: -2px; border-radius: 2px; background: var(--navy); animation: cue 1.6s ease-in-out infinite; }
@keyframes cue { 0% { transform: translateY(0); opacity: 1 } 70% { transform: translateY(14px); opacity: 0 } 100% { opacity: 0 } }
.detail .lead { font-size: 1.05rem; color: var(--ink-2); }
.detail h2 { margin-top: 2em; }
.detail .vs { margin-top: 8px; }
.detail .vs td { font-size: .92rem; }
.q { display: inline-block; margin-left: 6px; font-size: .72rem; color: var(--muted); background: var(--tint); border-radius: 999px; padding: 1px 8px; vertical-align: middle; }
.pl--src li { border-top: 0; padding: 4px 0; }
.detail .box ul { list-style: none; padding: 0; margin: 0; }
.detail .box li { padding: 6px 0; border-top: 1px solid var(--rule-2); color: var(--ink-2); font-size: .93rem; }
.legend .arrow { font-size: .9rem; }
@media (max-width: 900px) { .hero__grid { grid-template-columns: 1fr; gap: 24px; } .hero--full { min-height: 0; padding: 36px 0 56px; } .scrollcue { display: none; } }
@media (prefers-reduced-motion: reduce) { .scrollcue span { animation: none; } }

/* ===== v27: Ring-Muster an weiteren Stellen ===== */
.vert--ring .vert__chart svg { max-width: 220px; }
.vert--ring { gap: 16px; grid-template-columns: 1fr 220px 1fr; }
.vcard span { line-height: 1.35; }
.vcard b { color: var(--navy-ink); }
.urteil { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; background: var(--navy); color: #fff; border-radius: var(--r); padding: 16px 20px; margin-top: 16px; }
.urteil .verdict__t { color: var(--gold); margin: 0; flex: 0 0 auto; }
.urteil p:not(.verdict__t) { margin: 0; flex: 1 1 320px; font-size: .95rem; color: #d6e0ec; }
.urteil p b { color: #fff; font-size: 1.1rem; }
.urteil .btn { flex: 0 0 auto; }
@media (max-width: 900px) { .vert--ring { grid-template-columns: 1fr; } }

/* ===== v28: Corporate Design V2 — Weiß trifft Indigo, Plus Jakarta Sans, Wortmarke ===== */
:root {
  --indigo: #5B5BF0; --indigo-700: #4A46D6;
  --ink: #15162B; --ink-2: #3A3B52; --muted: #6B7280;
  --paper: #FFFFFF; --tint: #F7F7FC; --tint-2: #EDEDFF; --cream: #F7F7FC;
  --rule: #ECEDF5; --rule-2: #F1F2F8;
  --navy: #5B5BF0; --navy-2: #4A46D6; --navy-ink: #15162B;
  --green: #5B5BF0; --green-2: #4A46D6; --green-soft: #EDEDFF;
  --gold: #5B5BF0; --gold-soft: #EDEDFF; --sky: #D7D7FB;
  --sans: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --r: 12px;
}
body { background: #fff; font-family: var(--sans); color: var(--ink); }
h1, h2, h3 { font-weight: 800; letter-spacing: -.03em; color: var(--ink); }
h1 .a, h2 .a { color: var(--indigo); }
.top { background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border-bottom-color: var(--rule); }
.top::before { display: none; }
.brand { display: flex; flex-direction: column; gap: 0; line-height: 1; }
.brand__d { font-weight: 700; font-size: .62rem; letter-spacing: .28em; text-transform: uppercase; color: var(--indigo); }
.brand__w { font-weight: 800; font-size: 1.25rem; letter-spacing: -.035em; color: var(--ink); }
.brand__w b { color: var(--indigo); font-weight: 800; }
.nav a::after { background: var(--indigo); }
.hint { background: var(--tint); border-bottom-color: var(--rule); }
.hero--full { background: #fff; }
.hero--full::after { content: ""; position: absolute; top: -220px; right: -180px; width: 560px; height: 560px; border-radius: 50%; background: radial-gradient(circle at 30% 30%, #EDEDFF, #F7F7FC 70%); z-index: 0; pointer-events: none; }
.hero__grid { position: relative; z-index: 1; }
.badge { color: var(--indigo); background: var(--tint-2); border: 0; }
.badge__dot { background: var(--indigo); box-shadow: 0 0 0 3px #D7D7FB; }
.hero__disc { border-left-color: var(--indigo); }
.kicker { border-left-color: var(--indigo); }
.section__no { display: inline-flex; align-items: center; gap: 9px; background: none; color: var(--indigo); padding: 0; font-size: .72rem; letter-spacing: .14em; font-weight: 700; }
.section__no::before { content: ""; width: 18px; height: 3px; border-radius: 2px; background: var(--indigo); }
.section__no::after { display: none; }
.section--tint { background: var(--tint); }
#ueber.section--tint { background: var(--tint); }
.btn { border-radius: 12px; font-weight: 700; background: var(--indigo); border-color: var(--indigo); }
.btn:hover { background: var(--indigo-700); border-color: var(--indigo-700); transform: translateY(-1px); box-shadow: 0 8px 20px rgba(91, 91, 240, .25); }
.btn--green { background: var(--indigo); border-color: var(--indigo); }
.btn--green:hover { background: var(--indigo-700); border-color: var(--indigo-700); }
.btn--line { background: #fff; color: var(--ink); border-color: #E2E3EE; }
.btn--line:hover { background: var(--tint-2); color: var(--indigo); border-color: var(--tint-2); box-shadow: none; }
.btn--paper { background: #fff; color: var(--indigo); border-color: #fff; }
.btn--paper:hover { background: var(--tint-2); border-color: var(--tint-2); color: var(--indigo-700); }
.arrow { color: var(--indigo); border-color: var(--indigo); }
.arrow:hover { color: var(--indigo-700); border-color: var(--indigo-700); }
.stats > div { background: var(--tint); border: 0; box-shadow: none; border-radius: 16px; }
.stats > div:hover { background: var(--tint-2); transform: none; box-shadow: none; }
.stats b { color: var(--indigo); }
.fig, .box, .result, .matrix, .vs, .kurz, .verdict__col, .flow__step, .vcard, .way { border-radius: 16px; border-color: var(--rule); box-shadow: 0 10px 30px rgba(21, 22, 43, .05); background: #fff; }
.fig:hover, .box:hover { box-shadow: 0 14px 34px rgba(21, 22, 43, .09); }
.box { border-top: 1px solid var(--rule); }
.box--warn { border-top-color: var(--rule); } .box--ok { border-top-color: var(--rule); }
.box .num { background: var(--tint-2); color: var(--indigo); }
.ic--ok { color: var(--indigo); } .ic--mid { color: #9B9BF5; } .ic--no { color: #D1453B; }
.matrix th { background: var(--tint); }
.matrix tr.grp td { background: var(--indigo); }
.matrix tr.grp--a td { background: var(--indigo); }
.matrix tr.grp--b td { background: var(--ink); color: #fff; }
.matrix tbody tr.grp:hover td { background: var(--indigo-700); } .matrix tbody tr.grp--b:hover td { background: #2A2B45; }
.matrix tbody tr:hover td { background: var(--tint); }
.matrix tbody td.col-hover, .matrix thead th.col-hover { background: var(--tint-2); }
.matrix tbody tr:hover td.col-hover { background: #DFDFFB; }
.callout { background: var(--indigo); border-radius: 16px; }
.callout .btn { background: #fff; border-color: #fff; color: var(--indigo); }
.callout .btn:hover { background: var(--tint-2); border-color: var(--tint-2); }
.verdict__t--ok { color: var(--indigo); } .verdict__t--no { color: #D1453B; }
.verdict__sum { background: var(--indigo); border-radius: 16px; }
.verdict__sum .verdict__t { color: #C9C9FB; }
.verdict__sum p:last-child { color: #E4E4FD; }
.vcard { border-left-width: 4px; }
.vert__legend li i { border-radius: 3px; }
.route { border-top-color: var(--indigo); }
.route li::before { background: var(--indigo); }
.route__when { color: var(--indigo); }
.route b { color: var(--ink); }
.proof b { color: var(--indigo); }
.faq { border-top-color: var(--indigo); } .faq summary::after { color: var(--indigo); } .faq summary:hover { color: var(--indigo); }
.kv { border-top-color: var(--indigo); } .kv b { color: var(--ink); }
.opts button { border-radius: 12px; }
.opts button.on { border-color: var(--indigo); box-shadow: inset 0 0 0 1px var(--indigo); background: var(--tint-2); }
.opts button:hover { border-color: var(--indigo); background: var(--tint); }
.seg { border-radius: 12px; } .seg button.on { background: var(--indigo); }
.stepper button, .kind button, .addkind, .free input, .kind input { border-radius: 12px; }
.stepper button:hover, .kind button:hover, .addkind:hover { border-color: var(--indigo); color: var(--indigo); background: var(--tint-2); }
.field input, .field select, .field textarea { border-radius: 12px; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--indigo); box-shadow: 0 0 0 3px var(--tint-2); }
.check input { accent-color: var(--indigo); }
.bars .bar { background: var(--rule); border-radius: 8px 8px 0 0; } .bars .bar.on { background: var(--indigo); } .bars .plus { color: var(--indigo); }
.result__big { color: var(--ink); }
.flow__step--z { border-color: #D7D7FB; background: var(--tint-2); }
.flow__step--g { border-color: var(--indigo); background: var(--tint); }
.flow__step--g b { color: var(--indigo); }
.flow__arrow { background: var(--indigo); } .flow__arrow::after { border-left-color: var(--indigo); }
.chart .a1 polygon { fill: var(--ink); } .chart .a2 polygon { fill: var(--indigo); } .chart .a3 polygon { fill: var(--sky); }
.nl { background: var(--indigo); border-radius: 0; }
.nl .section__no { color: #C9C9FB; } .nl .section__no::before { background: #C9C9FB; }
.nl .formgrid p { color: #E4E4FD; } .nl .field > span { color: #E4E4FD; } .nl .check { color: #E4E4FD; } .nl .form__hint { color: #C9C9FB; }
.nl .field input { border-color: #8C8CF4; }
.strip { background: var(--ink); } .strip--b { background: var(--ink); } .strip--c { background: var(--tint-2); color: var(--ink); }
.strip--a .btn--green, .strip--b .btn--green { background: var(--indigo); border-color: var(--indigo); color: #fff; }
.strip--a .btn--green:hover, .strip--b .btn--green:hover { background: #fff; border-color: #fff; color: var(--indigo); }
.strip--c .btn--green { background: var(--indigo); border-color: var(--indigo); color: #fff; }
.strip--c span { opacity: 1; color: var(--ink-2); }
.strip--c .arrow { color: var(--indigo); border-color: var(--indigo); }
.closing { background: var(--indigo); }
.closing .btn--paper { background: #fff; color: var(--indigo); }
.closing .arrow { color: #fff; border-color: #fff; }
.urteil { background: var(--indigo); } .urteil .verdict__t { color: #C9C9FB; }
.foot { background: var(--tint); }
.foot__nav a { color: var(--ink); } .foot__nav a:hover { color: var(--indigo); }
.portrait { border-radius: 18px; background: var(--tint-2); box-shadow: 0 10px 30px rgba(21, 22, 43, .08); border: 0; }
.portrait--ph { color: var(--indigo); }
.consent { border-top-color: var(--indigo); }
.ctabar { background: rgba(255,255,255,.96); }
.pdfmock__page { border-radius: 10px; } .pdfmock__page em { color: var(--indigo); background: var(--tint-2); }
.pdfmock__page b { color: var(--ink); }
.legal .box { border-top-color: var(--rule); } .legal .todo { background: var(--tint-2); border-left-color: var(--indigo); }
.q { background: var(--tint-2); color: var(--indigo); }
.detail .vs th { background: var(--tint); }
.scrollcue { border-color: var(--rule); } .scrollcue span { background: var(--indigo); }
.kurz__t { color: var(--indigo); }
.legend i { border-radius: 3px; }
@media (max-width: 640px) { .brand__w { font-size: 1.1rem; } }

/* v28 fix: Hero-Blob darf keinen horizontalen Scroll erzeugen */
.hero--full { overflow: hidden; }

/* ===== v29: Verkaufspunkte ===== */
.sell { font-size: .9rem; color: var(--ink-2); margin: 10px 0 0; }
.sell b { color: var(--ink); }
.sell a { color: var(--indigo); font-weight: 700; text-decoration: none; border-bottom: 1.5px solid var(--indigo); white-space: nowrap; }
.sell a:hover { color: var(--indigo-700); }
.sell--line { margin-top: 14px; padding: 12px 16px; background: var(--tint); border-radius: 12px; display: flex; gap: 6px 12px; flex-wrap: wrap; align-items: baseline; }
.sell--line a { margin-left: auto; }
.verdict__sum .btn--paper { display: inline-block; }

/* ===== v31: Entschlackung der Startseite (nur body.home; andere Seiten bleiben unverändert) ===== */
body.home .section { padding: 56px 0; border-top: 1px solid var(--rule); }
body.home .section--tint { background: var(--soft, #F7F7FC); }
body.home .section__head, body.home .section__head--tight { margin-bottom: 22px; gap: 24px; align-items: end; }
body.home .section__head p { font-size: 1rem; color: var(--ink-2); max-width: 52ch; }
body.home h2 { font-size: clamp(1.45rem, 2.6vw, 1.95rem); max-width: 26ch; }
body.home .section__no { display: none; }
body.home .reveal:not(.in) { transform: translateY(10px); }
body.home .stagger > * { opacity: 1; transform: none; transition: none; }

/* Hero: ruhig, ohne Blob, Badge, Scroll-Cue */
body.home .hero--full { min-height: min(calc(100vh - 66px), 680px); padding: 48px 0 56px; background: #fff; overflow: visible; }
body.home .hero--full::after { display: none; }
body.home .hero__text > * { animation: none; opacity: 1; transform: none; }
body.home .hero--full h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); max-width: 16ch; }
body.home .hero--full .lead { font-size: 1.12rem; max-width: 52ch; margin: 18px 0 24px; }
body.home .hero__cta { gap: 14px 24px; }
body.home .hero__disc { margin-top: 26px; border-left: 2px solid var(--indigo); font-size: .85rem; }
body.home .hero__grid { grid-template-columns: 1.3fr 1fr; gap: 56px; }
body.home .kurz { background: none; border: 0; border-top: 2px solid var(--ink); border-radius: 0; padding: 14px 0 0; box-shadow: none; }
body.home .kurz__t { color: var(--ink); font-size: .74rem; }
body.home .plain { list-style: none; margin: 0; padding: 0; }
body.home .plain li { padding: 10px 0; border-bottom: 1px solid var(--rule); font-size: .95rem; color: var(--ink-2); line-height: 1.45; }
body.home .plain li b { color: var(--ink); }
body.home .kurz__src { margin-top: 10px; }

/* Fakten als Textzeilen statt Kacheln */
body.home .facts3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; border-top: 2px solid var(--ink); padding-top: 18px; margin-bottom: 28px; }
body.home .facts3 b { display: block; font-size: 1.2rem; color: var(--ink); letter-spacing: -.02em; margin-bottom: 4px; line-height: 1.25; }
body.home .facts3 b .n { color: var(--indigo); font-size: 1.9rem; display: block; line-height: 1.05; margin-bottom: 4px; }
body.home .facts3 span { color: var(--ink-2); font-size: .93rem; }

/* Grafiken liegen flach */
body.home .fig, body.home .fig--wide { background: none; border: 0; border-radius: 0; box-shadow: none; padding: 0; max-width: 720px; }
body.home .fig:hover { transform: none; box-shadow: none; }
body.home .fig h3 { font-size: 1rem; }

/* Rechner: Karte nur rechts, Zusatzeingaben aufklappbar */
body.home .calc { gap: 36px; }
body.home .more { border-top: 1px solid var(--rule); margin-top: 8px; }
body.home .more > summary { cursor: pointer; list-style: none; padding: 12px 0; font-weight: 700; font-size: .92rem; color: var(--indigo); }
body.home .more > summary::-webkit-details-marker { display: none; }
body.home .more > summary::after { content: " +"; }
body.home .more[open] > summary::after { content: " \2013"; }
body.home .more .calc__q:first-of-type { margin-top: 6px; }
body.home .result { border-radius: 16px; border: 1px solid var(--rule); box-shadow: 0 10px 30px rgba(21, 22, 43, .06); }
body.home .result:hover { box-shadow: 0 10px 30px rgba(21, 22, 43, .06); }
body.home .result__big { color: var(--ink); }
body.home .result__big .z { color: var(--indigo); }
body.home .result__tax { margin: 0 0 6px; font-size: .9rem; color: var(--ink-2); }
body.home .result__tax b { color: var(--ink); }
body.home .detail summary::after { color: var(--indigo); }
body.home .flow { margin-top: 12px; }
body.home .flow__step { box-shadow: none; border-radius: 10px; }
body.home .result .btn { margin-top: 14px; }

/* Verkaufszeile: flach, nur einmal */
body.home .sell--line { background: none; border-radius: 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); padding: 14px 0; margin-top: 26px; font-size: .95rem; }
body.home .sell--line .btn { margin-left: auto; }
body.home .sell--line .arrow { font-size: .9rem; }

/* Vergleich: Tabelle ohne Karte, Gruppenzeilen hell, keine Hover-Hervorhebung */
body.home .mwrap { margin-top: 4px; }
body.home .matrix { border: 0; border-top: 2px solid var(--ink); border-radius: 0; box-shadow: none; background: none; }
body.home .matrix th { background: none; border-bottom: 1px solid var(--rule); }
body.home .matrix tr.grp td, body.home .matrix tr.grp--a td, body.home .matrix tr.grp--b td { background: var(--soft, #F7F7FC); color: var(--ink-2); font-size: .7rem; letter-spacing: .1em; padding: 6px 10px; }
body.home .matrix tbody tr:hover td, body.home .matrix tbody tr.grp--b:hover td { background: inherit; }
body.home .matrix tbody td { transition: none; }
body.home .matrix tbody tr:hover td:hover { background: var(--tint-2, #EDEDFF); }
body.home .matrix tbody tr.grp:hover td:hover { background: var(--soft, #F7F7FC); }
body.home .matrix tbody tr.grp:hover td { background: var(--soft, #F7F7FC); }
body.home .matrix tbody td.col-hover, body.home .matrix thead th.col-hover { background: inherit; }
body.home .matrix .ic { width: 20px; height: 20px; }
body.home .note { margin: 16px 0 0; font-size: .95rem; color: var(--ink-2); max-width: 70ch; }
body.home .legend { margin-top: 10px; }

/* Tobias + Beratung in einem Block */
body.home .who { display: grid; grid-template-columns: 112px 1fr; gap: 20px; align-items: start; margin-top: 22px; }
body.home .who .portrait { width: 112px; height: 132px; border-radius: 16px; box-shadow: 0 10px 30px rgba(21, 22, 43, .08); font-size: 2rem; }
body.home .who .portrait:hover { transform: none; }
body.home .who blockquote { margin: 0 0 10px; padding: 0; border: 0; font-size: 1.02rem; line-height: 1.5; color: var(--ink); }
body.home .who p { margin: 0; font-size: .9rem; color: var(--ink-2); }

/* Leitfaden: einzige Indigo-Fläche */
body.home .nl { padding: 56px 0; }
body.home .nl .formgrid { align-items: center; }
body.home .nl .btn--paper { width: 100%; text-align: center; }

/* FAQ */
body.home .faq { max-width: 860px; border-top: 2px solid var(--ink); }
body.home .faq summary:hover { padding-left: 0; }

@media (max-width: 900px) {
  body.home .hero__grid { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 640px) {
  body.home .section { padding: 40px 0; }
  body.home .hero--full { min-height: 0; padding: 32px 0 36px; }
  body.home .facts3 { grid-template-columns: 1fr; gap: 14px; }
  body.home .who { grid-template-columns: 88px 1fr; }
  body.home .who .portrait { width: 88px; height: 104px; }
  body.home .sell--line .btn { margin-left: 0; width: 100%; text-align: center; }
}
body.home .result__tax .muted { color: var(--muted); }
/* v31 fix (Codex R3): Button in der Verkaufszeile nicht von .sell a eingefärbt */
body.home .sell .btn, body.home .sell .btn:hover { color: #fff; border-bottom: 0; }
body.home .sell .btn:hover { color: #fff; }

/* v31d (User 12.10.): Einschätzung + Verteilung im alten Design (inkl. Karten-Hover), Urteil-Kasten bleibt indigo */
body.home .verdict { margin-top: 4px; }

/* v31e (User 12.10.): Hochrechnung mit großer Kapital-Zahl + Förderquote (Vorbild secure-depot.de) */
body.home .hoch .result__big { margin-bottom: 6px; }
body.home .hoch .result__big small b { color: var(--ink); }
body.home .hoch .result__tax { margin-bottom: 14px; }
body.home .kind input.invalid { border-color: #D1453B; box-shadow: 0 0 0 3px rgba(209, 69, 59, .15); }

/* ===== v31g: Hero-Kurzbox als durchgehende 3D-Umlaufbahn (User 12.10., „mehrere schwirren rum") ===== */
body.home .kurz--orbit { border-top: 0; padding-top: 0; }
body.home .orbit { position: relative; height: 320px; perspective: 1000px; perspective-origin: 50% 28%; margin: 0 0 2px; }
body.home .orbit__card { position: absolute; left: 50%; top: 58%; width: min(60%, 236px); background: #fff; border: 1px solid var(--rule); border-radius: 14px; padding: 14px 16px 12px; box-shadow: 0 14px 32px rgba(21, 22, 43, .10); will-change: transform, opacity, filter; cursor: pointer; backface-visibility: hidden; }
body.home .orbit__card b { display: block; font-size: .98rem; color: var(--indigo); letter-spacing: -.02em; margin-bottom: 4px; }
body.home .orbit__card span { display: block; font-size: .84rem; line-height: 1.4; color: var(--ink-2); }
body.home .orbit__card.is-front { box-shadow: 0 22px 48px rgba(21, 22, 43, .15); border-color: #D7D7FB; cursor: default; }
body.home .orbit__card:not(.is-front) span { color: var(--muted); }
body.home .kurz--orbit .kurz__src { margin-top: 6px; }
@media (max-width: 900px) { body.home .orbit { height: 290px; } }
@media (max-width: 640px) { body.home .orbit { overflow: hidden; margin: 0 -20px; padding: 0 20px; height: 262px; } body.home .orbit__card { width: 62%; } }
/* v31h: echtes Porträt (Duotone-Indigo), Kopf im oberen Drittel halten */
body.home .who .portrait { object-fit: cover; object-position: 50% 32%; background: #3B36B5; }

/* ===== v31i: Über-uns-Abschnitt (großes Porträt + Ich-Text + Checkliste) ===== */
body.home .about2 { display: grid; grid-template-columns: .7fr 1.3fr; gap: 48px; align-items: center; }
body.home .about2__media { position: relative; }
body.home .about2__media::before { content: ""; position: absolute; left: -18px; bottom: -18px; width: 120px; height: 120px; border-radius: 50%; background: var(--tint-2, #EDEDFF); z-index: 0; }
body.home .about2__img { position: relative; z-index: 1; width: 100%; height: auto; max-width: 320px; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 22%; border-radius: 22px; box-shadow: 0 24px 56px rgba(21, 22, 43, .16); background: #3B36B5; display: block; }
body.home .eyebrow { display: inline-block; background: var(--tint-2, #EDEDFF); color: var(--indigo); border-radius: 999px; padding: 5px 12px; font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; font-weight: 700; margin: 0 0 14px; }
body.home .about2 h2 { max-width: none; font-size: clamp(1.7rem, 3vw, 2.3rem); line-height: 1.12; margin-bottom: 16px; }
body.home .about2 h2 .a { display: block; color: var(--indigo); font-size: .56em; font-weight: 700; letter-spacing: -.01em; margin-top: 8px; line-height: 1.3; }
body.home .about2__lead { font-size: 1.05rem; color: var(--ink); line-height: 1.6; margin-bottom: 12px; }
body.home .about2 p { color: var(--ink-2); max-width: 60ch; }
body.home .about2__list { margin: 18px 0 24px; max-width: 60ch; }
body.home .about2__list li { border-top: 0; padding: 6px 0; font-size: .97rem; color: var(--ink); }
body.home .about2__list li:hover { background: none; }
body.home .form__who { margin-top: 16px; font-size: .92rem; color: var(--ink-2); }
body.home .form__who a { color: var(--indigo); font-weight: 700; }
@media (max-width: 900px) {
  body.home .about2 { grid-template-columns: 1fr; gap: 32px; }
  body.home .about2__img { max-width: 360px; }
}
body.home .about2__brand { font-size: .88rem; color: var(--muted); margin-bottom: 4px; }
body.home .about2__list { margin-top: 12px; }
@media (max-width: 900px) { body.home .about2__img { max-width: 280px; } }
body.home .about2__appeal { font-size: 1rem; color: var(--ink-2); max-width: 56ch; margin: 0 0 18px; padding-left: 14px; border-left: 3px solid var(--indigo); }
body.home .about2__appeal b { color: var(--ink); }

/* ===== v31k: Mobile-Optimierung der Startseite ===== */
body.home .swipe { display: none; }
@media (max-width: 640px) {
  body.home { padding-bottom: 72px; }                                  /* Platz für die feste Beratungs-Leiste */
  body.home .section { padding: 34px 0; }
  body.home .section__head, body.home .section__head--tight { margin-bottom: 14px; gap: 10px; }
  body.home .section__head p { font-size: .95rem; }
  body.home h2 { font-size: 1.45rem; }
  body.home .btn { padding: 13px 20px; font-size: .98rem; }
  body.home .btn--sm { padding: 12px 16px; font-size: .92rem; }

  /* Hero */
  body.home .hero--full { padding: 26px 0 28px; }
  body.home .hero--full h1 { font-size: 1.9rem; max-width: none; }
  body.home .hero--full .lead { font-size: 1rem; margin: 12px 0 16px; }
  body.home .hero__cta { gap: 10px; }
  body.home .hero__cta .btn { width: 100%; text-align: center; }
  body.home .hero__cta .arrow { font-size: .92rem; }
  body.home .hero__disc { margin-top: 16px; font-size: .8rem; }
  body.home .hero__grid { gap: 18px; }
  body.home .kurz { padding-top: 10px; }
  body.home .orbit { height: 236px; }

  /* Zahlen als Zeilen statt Kacheln */
  body.home .stats { display: grid; grid-template-columns: 1fr; gap: 0; border-top: 2px solid var(--ink); }
  body.home .stats > div { display: grid !important; grid-template-columns: 96px 1fr; gap: 12px; align-items: center; padding: 10px 0 !important; background: none !important; border-radius: 0; border-bottom: 1px solid var(--rule); }
  body.home .stats b { font-size: 1.5rem; margin: 0; }
  body.home .stats span { font-size: .88rem; }
  body.home .sell { font-size: .9rem; }
  body.home .fig--wide svg { max-height: 180px; }

  /* Rechner */
  body.home .calc { gap: 18px; }
  body.home .calc__q { margin-bottom: 12px; }
  body.home .opts button { padding: 10px 12px; }
  body.home .result { padding: 16px; }
  body.home .bars { height: 150px; margin: 14px 0 6px; }
  body.home .result__big { font-size: 1.5rem; }
  body.home .sell--line { margin-top: 18px; }

  /* Vergleichstabelle: erste Spalte bleibt stehen, Wisch-Hinweis */
  body.home .swipe { display: block; font-size: .78rem; color: var(--muted); margin: 0 0 6px; }
  body.home .mwrap .matrix--big { min-width: 600px; }
  body.home .matrix th:first-child, body.home .matrix td:first-child { position: sticky; left: 0; z-index: 2; background: #fff; max-width: 128px; width: 128px; font-size: .8rem; box-shadow: 4px 0 8px -6px rgba(21, 22, 43, .25); }
  body.home .matrix tr.grp td:first-child { background: var(--soft, #F7F7FC); }
  body.home .matrix th, body.home .matrix td { padding: 8px 8px; font-size: .84rem; }
  body.home .matrix td small { font-size: .7rem; }
  body.home .legend { font-size: .78rem; gap: 10px; }

  /* Einschätzung */
  body.home .verdict { gap: 10px; }
  body.home .verdict__col, body.home .verdict__sum { padding: 14px 16px; }

  /* Verteilung: Karten als 2-Spalten-Raster um den Ring */
  body.home .vert { gap: 10px; }
  body.home .vert__col { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; align-items: stretch; }
  body.home .vcard { display: flex; font-size: .84rem; padding: 8px 10px; }
  body.home .vert__chart svg { max-width: 180px; }
  body.home #baustein p.reveal .btn { display: block; width: 100%; text-align: center; margin: 12px 0 0 !important; }

  /* Über uns */
  body.home .about2 { gap: 22px; }
  body.home .about2__img { max-width: 240px; }
  body.home .about2 h2 { font-size: 1.5rem; }
  body.home .about2__lead { font-size: 1rem; }
  body.home .about2__list li { font-size: .92rem; }
  body.home .about2 .btn { width: 100%; text-align: center; }

  /* Formulare */
  body.home .formgrid { gap: 20px; }
  body.home .field { margin-bottom: 14px; }
  body.home .field input, body.home .field select, body.home .field textarea { font-size: 16px; }   /* kein Auto-Zoom auf iOS */
  body.home .form .btn { width: 100%; text-align: center; }
  body.home .nl { padding: 34px 0; }
  body.home .faq summary { padding: 11px 36px 11px 0; font-size: .95rem; }
}
/* v31k fix: Aufklapp-Zeile im Rechner einzeilig, Plus rechts */
body.home .more > summary { display: flex; justify-content: space-between; align-items: center; gap: 10px; }
body.home .more > summary::after { flex: none; }

/* v31l: Tabelle: Doppel-Symbol (– / ✓) und zweite Kleinzeile */
body.home .matrix .ic2 { display: inline-flex; align-items: center; gap: 2px; }
body.home .matrix .ic2 i { font-style: normal; color: var(--muted); font-size: .85rem; }
body.home .matrix td small.sub2 { color: var(--indigo); font-weight: 600; margin-top: 0; }
/* v31l fix: overflow:hidden der Tabelle verhindert position:sticky der ersten Spalte */
body.home .matrix { overflow: visible; }
body.home .mwrap { overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; }

/* v31m: Hinweis unter den Hero-Buttons */
body.home .hero__note { margin: 10px 0 0; font-size: .88rem; color: var(--ink-2); }
body.home .hero__note::before { content: "\2713"; color: var(--indigo); font-weight: 800; margin-right: 6px; }
/* v31o: echtes Porträt (315x397, Pflaumen-Hintergrund #3B1F3D) */
body.home .about2__img { background: #3B1F3D; object-position: 50% 40%; max-width: 300px; }
body.home .about2__media::before { background: #F3EAF4; }
/* v31p: freigestelltes Porträt auf Indigo-Tint-Karte (wie Vorlage) */
body.home .about2__img { background: linear-gradient(180deg, #F3F3FF 0%, #E4E4FC 100%); object-position: 50% 100%; }
body.home .about2__media::before { background: #DADAFB; }

/* v31q: Mini-Porträt in der Verkaufszeile */
body.home .sell--face { align-items: center; }
body.home .sell__face { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; object-position: 50% 28%; background: #E4E4FC; flex: none; box-shadow: 0 6px 16px rgba(21, 22, 43, .12); }
body.home .sell__txt { flex: 1 1 260px; }
body.home .sell__txt small { display: block; font-size: .8rem; color: var(--muted); margin-top: 2px; }
@media (max-width: 640px) { body.home .sell__face { width: 48px; height: 48px; } }

/* v31r: „Warum das Vorsorgedepot Beratung braucht" (Unterblock im Vergleich) */
body.home .why { margin-top: 40px; padding-top: 28px; border-top: 1px solid var(--rule); }
body.home .why h3 { font-size: 1.25rem; margin-bottom: 6px; }
body.home .why__lead { color: var(--ink-2); max-width: 64ch; margin-bottom: 18px; }
body.home .why__list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 32px; }
body.home .why__list li { font-size: .95rem; color: var(--ink-2); line-height: 1.5; padding: 12px 0 0; border-top: 2px solid var(--ink); }
body.home .why__list li b { color: var(--ink); display: block; margin-bottom: 2px; }
body.home .why__cta { margin: 20px 0 0; font-size: .98rem; color: var(--ink); }
body.home .why__cta a { color: var(--indigo); font-weight: 700; border-bottom: 1.5px solid var(--indigo); }
@media (max-width: 640px) { body.home .why { margin-top: 26px; padding-top: 20px; } body.home .why__list { grid-template-columns: 1fr; gap: 10px; } }

/* v31s: Fazit-Zeile (Slogan aus der entfernten Einschätzung) */
body.home .fazit { margin: 36px 0 0; padding: 22px 0 0; border-top: 2px solid var(--ink); font-size: clamp(1.25rem, 2.2vw, 1.6rem); font-weight: 800; letter-spacing: -.02em; color: var(--ink); line-height: 1.25; max-width: 30ch; }
body.home .fazit__t { display: block; font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--indigo); font-weight: 700; margin-bottom: 8px; }
body.home .why { margin-top: 28px; }

/* v31s: Fazit + Urteil-Kasten nebeneinander */
body.home .fazitrow { display: grid; grid-template-columns: 1fr 1.15fr; gap: 32px; align-items: center; margin-top: 36px; padding-top: 24px; border-top: 2px solid var(--ink); }
body.home .fazitrow .fazit { margin: 0; padding: 0; border-top: 0; }
body.home .fazitrow .verdict__sum { margin: 0; }
body.home .fazitrow .verdict__sum .btn--paper { display: inline-block; }
@media (max-width: 900px) { body.home .fazitrow { grid-template-columns: 1fr; gap: 18px; } }

/* ===== v31t: Luft und Einschübe (User 13.10.: „wirkt gedrungen") ===== */
@media (min-width: 901px) {
  body.home .section { padding: 88px 0; }
  body.home .section__head, body.home .section__head--tight { margin-bottom: 40px; gap: 48px; }
  body.home .stats { margin-bottom: 36px; }
  body.home #warum .sell { margin: 0 0 40px 6%; max-width: 60ch; }          /* Einschub */
  body.home #warum .fig { margin-top: 24px; }
  body.home .sell--line { margin-top: 56px; padding: 22px 0; }
  body.home .note { margin: 28px 0 0 6%; }                                   /* Einschub */
  body.home .fazitrow { display: block; margin-top: 96px; padding-top: 0; border-top: 0; }
  body.home .fazitrow .fazit { margin: 0 0 48px 6%; max-width: 22ch; font-size: clamp(1.7rem, 3vw, 2.5rem); line-height: 1.15; }
  body.home .fazitrow .verdict__sum { max-width: 680px; margin: 0 0 0 auto; padding: 28px 32px; }  /* rechts eingerückt, steht allein */
  body.home .why { margin-top: 96px; padding-top: 0; border-top: 0; }
  body.home .why h3 { font-size: 1.6rem; max-width: 20ch; margin-bottom: 10px; }
  body.home .why__lead { max-width: 56ch; margin-bottom: 36px; font-size: 1.05rem; }
  body.home .why__list { gap: 28px 56px; margin-left: 6%; }                  /* Einschub */
  body.home .why__cta { margin: 44px 0 0 6%; font-size: 1.05rem; }
  body.home .about2 { gap: 72px; }
  body.home .about2__list { margin: 24px 0 28px; }
  body.home .about2__appeal { margin: 8px 0 24px; }
  body.home #baustein .vert { margin-top: 12px; }
  body.home #baustein .vert__legend { margin-top: 20px; }
  body.home #baustein p.reveal { margin: 40px 0 0 6%; max-width: 64ch; }     /* Einschub */
  body.home .formgrid { gap: 72px; }
  body.home .nl { padding: 88px 0; }
  body.home .faq { margin-top: 8px; }
  body.home .faq summary { padding: 16px 40px 16px 0; }
}
@media (max-width: 900px) and (min-width: 641px) {
  body.home .section { padding: 64px 0; }
  body.home .fazitrow { display: block; }
  body.home .fazitrow .fazit { margin-bottom: 24px; }
}
@media (max-width: 640px) {
  body.home .section { padding: 44px 0; }
  body.home .fazitrow { margin-top: 44px; }
  body.home .why { margin-top: 36px; }
}

/* v31u: „nicht im Auftrag“ fett (User 13.10.) */
body.home .hero__disc b { color: var(--ink); font-weight: 700; }