/* ============================================================
   AUSTRO KREDIT — DESIGN SYSTEM CSS  (Light Theme)
   ============================================================ */

/* ── Variables ─────────────────────────────────────────────── */
:root {
    /* Brand */
    --brand:              #D40100;
    --brand-hover:        #B80000;
    --brand-light:        #F5E5E5;
    --brand-xlight:       #FDF0F0;

    /* Navy — secondary brand, used for dark sections */
    --navy:               #0C1836;
    --navy-mid:           #1E2E52;

    /* Navy alpha — replaces scattered red tints on decorative elements */
    --navy-alpha-07:      rgba(12,24,54,0.07);
    --navy-alpha-12:      rgba(12,24,54,0.12);
    --navy-alpha-20:      rgba(12,24,54,0.20);
    --border-navy:        rgba(12,24,54,0.12);
    --border-navy-hover:  rgba(12,24,54,0.22);

    /* Backgrounds */
    --bg-0:               #EEF1F7;
    --bg-1:               #F4F6FB;
    --bg-2:               #FFFFFF;
    --bg-3:               #F0F3FA;
    --bg-navy:            #0C1836;
    --bg-navy-card-from:  #011C45;
    --bg-navy-card-to:    #012069;

    /* Text */
    --text-primary:       #111827;
    --text-secondary:     #374151;
    --text-tertiary:      #6B7280;
    --text-muted:         #9CA3AF;
    --text-faint:         #C9CDD6;
    --text-on-dark:       #F5F7FA;

    /* Borders */
    --border:             rgba(0,0,0,0.08);
    --border-strong:      rgba(0,0,0,0.14);
    --border-brand:       rgba(212,1,0,0.22);
    --divider:            rgba(0,0,0,0.06);

    /* Shadows — critical for light-theme depth */
    --shadow-sm:          0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md:          0 4px 12px rgba(0,0,0,0.08), 0 2px 4px rgba(0,0,0,0.05);
    --shadow-lg:          0 8px 32px rgba(0,0,0,0.10), 0 4px 8px rgba(0,0,0,0.06);
    --shadow-brand:       0 4px 20px rgba(212,1,0,0.22), 0 1px 4px rgba(212,1,0,0.14);
    --shadow-brand-lg:    0 8px 32px rgba(212,1,0,0.28), 0 2px 8px rgba(212,1,0,0.16);

    /* Glass */
    --glass-bg:           rgba(255,255,255,0.72);
    --glass-border:       rgba(255,255,255,0.85);

    /* Border radius */
    --radius-sm:   4px;
    --radius-md:   8px;
    --radius-lg:   16px;
    --radius-full: 9999px;
}

/* ── Reset & Base ──────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
    font-family: "Plus Jakarta Sans", system-ui, sans-serif;
    background: var(--bg-1);
    color: var(--text-primary);
    line-height: 1.6;
    overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }

/* ── Focus-visible (WCAG 2.1 AA) ──────────────────────────── */
:focus-visible {
    outline: 3px solid var(--brand);
    outline-offset: 3px;
    border-radius: var(--radius-sm);
}
.btn-primary:focus-visible, .cta-btn:focus-visible {
    outline: 3px solid #fff;
    outline-offset: 3px;
    box-shadow: 0 0 0 6px rgba(212,1,0,0.35);
}
.faq-question:focus-visible {
    outline: 3px solid var(--brand);
    outline-offset: -3px;
    border-radius: var(--radius-lg);
}
.hamburger:focus-visible, .slider-btn:focus-visible,
.dot-btn:focus-visible, .mobile-slider-btn:focus-visible {
    outline: 3px solid var(--brand);
    outline-offset: 3px;
}
.btn-primary:focus:not(:focus-visible) { outline: none; }

/* ── Typography ────────────────────────────────────────────── */
h1 { font-size: clamp(36px, 4.5vw, 58px); font-weight: 700; line-height: 1.1; letter-spacing: -0.02em; color: var(--text-primary); }
h2 { font-size: clamp(28px, 4vw, 48px);   font-weight: 700; line-height: 1.15; letter-spacing: -0.015em; color: var(--text-primary); }
h3 { font-size: 22px; font-weight: 600; line-height: 1.3; color: var(--text-primary); }
h4 { font-size: 18px; font-weight: 600; line-height: 1.4; color: var(--text-primary); }
p  { line-height: 1.6; }

/* ── Layout Utilities ──────────────────────────────────────── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 2rem; }
.section-pad { padding: 4rem 0; }

/* ── Logo CSS classes (moved from inline HTML styles) ──────── */
.logo-inner       { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.logo-icon        { position: relative; width: 42px; height: 42px; flex-shrink: 0; }
.logo-text-stack  { display: flex; flex-direction: column; gap: 4px; }

/* Logo — always navy+red (light hero, no dark glass phase) */
.site-header { --logo-fg: var(--navy); }

/* ── Section Badge ─────────────────────────────────────────── */
.section-badge {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 6px 14px; border-radius: var(--radius-full);
    border: 1px solid var(--border-navy);
    background: var(--navy-alpha-07);
    font-size: 11px; font-weight: 500; text-transform: uppercase;
    letter-spacing: 0.08em; color: var(--brand);
    width: fit-content;
}
.section-badge .pulse-dot {
    width: 6px; height: 6px; border-radius: 50%;
    background: var(--brand);
    animation: pulse-anim 2s ease-in-out infinite;
    flex-shrink: 0;
}
@keyframes pulse-anim {
    0%, 100% { opacity: 1; transform: scale(1); }
    50%       { opacity: 0.5; transform: scale(0.75); }
}

/* ── Buttons ───────────────────────────────────────────────── */
.btn-primary {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 12px 32px; border-radius: var(--radius-full);
    background: var(--brand); color: #fff;
    font-weight: 600; font-size: 15px;
    box-shadow: var(--shadow-brand);
    transition: background 0.2s, transform 0.15s;
    border: none;
}
.btn-primary:hover  { background: var(--brand-hover); }
.btn-primary:active { transform: scale(0.97); }
.btn-primary.lg { padding: 14px 40px; font-size: 16px; }
/* Optical padding balance: icon side = text side − gap (icon sits right of text) */
.btn-primary:has(svg)    { padding-right: 24px; }   /* 32 − 8  = 24 */
.btn-primary.lg:has(svg) { padding-right: 32px; }   /* 40 − 8  = 32 */

/* ── Icon Box ──────────────────────────────────────────────── */
.icon-box {
    display: flex; align-items: center; justify-content: center;
    width: 48px; height: 48px; border-radius: var(--radius-lg);
    background: var(--navy-alpha-07);
    border: 1px solid var(--border-navy);
    flex-shrink: 0; transition: background 0.3s, border-color 0.3s;
}
.icon-box svg { color: var(--navy); }
.icon-box.sm  { width: 44px; height: 44px; border-radius: var(--radius-md); }
.icon-box.lg  { width: 56px; height: 56px; }

/* ── Underline accent ──────────────────────────────────────── */
.underline-accent { position: relative; display: inline-block; }
.underline-accent::after {
    content: "";
    position: absolute; bottom: -4px; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(to right, var(--brand), transparent);
    border-radius: 9999px;
}

/* ── Section dividers ──────────────────────────────────────── */
.section-top-line {
    position: absolute; top: 0; left: 0; right: 0; height: 1px;
    background: linear-gradient(to right, transparent, rgba(212,1,0,0.18), transparent);
}
.section-bottom-line {
    position: absolute; bottom: 0; left: 0; right: 0; height: 1px;
    background: linear-gradient(to right, transparent, rgba(212,1,0,0.18), transparent);
}

/* ── Section glow helpers (replaces inline styles on glow divs) */
.section-glow {
    position: absolute; pointer-events: none;
    border-radius: 50%; filter: blur(80px);
}
.section-glow--red   { background: rgba(12,24,54,0.06); } /* renamed concept: now a navy tint */
.section-glow--navy  { background: rgba(12,24,54,0.08); }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    transition: background 0.3s, backdrop-filter 0.3s, border-color 0.3s;
    border-bottom: 1px solid transparent;
    /* Light hero — start transparent, logo always navy */
    background: transparent;
}
.site-header.scrolled {
    background: rgba(244,246,251,0.92);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom-color: var(--border);
}

.site-header .inner {
    display: flex; align-items: center; justify-content: space-between;
    height: 72px;
}
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a {
    position: relative; padding: 8px 16px; border-radius: var(--radius-md);
    font-size: 14px; font-weight: 500; color: var(--text-secondary);
    transition: color 0.2s, background 0.2s;
}
.nav-links a:hover { color: var(--navy); background: var(--navy-alpha-07); }
.nav-links a.active { color: var(--brand); }
.nav-links a.active::after {
    content: ""; position: absolute; bottom: 4px; left: 16px; right: 16px;
    height: 2px; background: var(--brand); border-radius: 9999px;
}
.header-cta { display: flex; align-items: center; gap: 12px; }
.hamburger {
    display: none; align-items: center; justify-content: center;
    width: 40px; height: 40px; border-radius: var(--radius-md);
    border: 1px solid var(--border);
    background: var(--bg-2);
    color: var(--text-secondary);
    transition: color 0.2s, background 0.2s, border-color 0.2s;
}
.hamburger:hover { color: var(--navy); background: var(--bg-3); }

/* Mobile menu — light theme */
.mobile-menu-backdrop {
    display: none; position: fixed; inset: 0; z-index: 90;
    background: rgba(0,0,0,0.4); backdrop-filter: blur(4px);
}
.mobile-menu {
    display: none; position: fixed; top: 72px; left: 16px; right: 16px; z-index: 95;
    border-radius: var(--radius-lg); border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}
.mobile-menu.open, .mobile-menu-backdrop.open { display: block; }
.mobile-nav { display: flex; flex-direction: column; padding: 16px; gap: 4px; }
.mobile-nav a {
    display: flex; align-items: center; gap: 12px;
    padding: 12px 16px; border-radius: var(--radius-lg);
    border: 1px solid transparent;
    font-size: 16px; font-weight: 500; color: var(--text-secondary);
    transition: background 0.2s, color 0.2s, border-color 0.2s;
}
.mobile-nav a:hover { background: var(--navy-alpha-07); color: var(--navy); border-color: var(--border-navy); }
.mobile-nav a.active {
    background: rgba(212,1,0,0.07); border-color: rgba(212,1,0,0.18); color: var(--brand);
}
.mobile-nav a.active .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--brand); flex-shrink: 0; }
.mobile-divider { height: 1px; background: linear-gradient(to right, transparent, rgba(212,1,0,0.22), transparent); margin: 0 16px; }
.mobile-cta { padding: 16px; display: flex; flex-direction: column; gap: 12px; }
.btn-phone {
    display: flex; align-items: center; justify-content: center; gap: 8px;
    padding: 12px 24px; border-radius: var(--radius-lg);
    border: 1px solid var(--border-navy);
    background: var(--navy-alpha-07);
    color: var(--text-secondary); font-size: 16px; font-weight: 500;
    transition: color 0.2s, background 0.2s, border-color 0.2s;
}
.btn-phone:hover { color: var(--navy); background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }

/* ============================================================
   HERO SECTION  — light (white + subtle blue gradient)
   ============================================================ */
.hero {
    position: relative;
    /* Light hero: white → subtle navy-tinted blue at bottom */
    background: linear-gradient(160deg, #FFFFFF 0%, #EDF1FA 100%);
    overflow: hidden;
    min-height: 100vh; display: flex; flex-direction: column; justify-content: center;
    padding-top: 30px;
    color: var(--text-primary);
}
.hero h1, .hero h2, .hero h3 { color: var(--text-primary); }
.hero-grid {
    position: absolute; inset: 0;
    background-image:
            repeating-linear-gradient(
                    45deg,
                    transparent,
                    transparent 24px,
                    rgba(12,24,54,0.035) 24px,
                    rgba(12,24,54,0.035) 25px
            );
}
/* hero-glow removed — not needed on light background */
.hero-glow { display: none; }
.hero-map {
    position: absolute; right: 3%; top: 35%; transform: translateY(-50%);
    width: 52%; pointer-events: none; user-select: none;
    /* Navy floating shadow + minimal red hint — for light bg */
    filter: drop-shadow(0 12px 56px rgba(12,24,54,0.14)) drop-shadow(0 0 28px rgba(212,1,0,0.08));
}
.hero-map img { width: 100%; height: auto; object-fit: contain; opacity: 0.95; }

/* ── Map city pulse dots ──────────────────────────────────── */
.map-dot {
    position: absolute; width: 10px; height: 10px;
    transform: translate(-50%, -50%);
}
.map-dot::before {
    /* static core — sits on top of PNG dot */
    content: ''; position: absolute; inset: 2px;
    border-radius: 50%; background: var(--brand); opacity: 0.9;
}
.map-dot::after {
    /* expanding ring */
    content: ''; position: absolute; inset: 0;
    border-radius: 50%; border: 2px solid var(--brand);
    animation: map-ring 2.8s ease-out infinite;
    animation-delay: var(--dot-delay, 0s);
}
@keyframes map-ring {
    0%   { inset: 0;     opacity: 0.9; }
    100% { inset: -9px;  opacity: 0;   }
}
.hero-content { position: relative; padding: 4rem 0; width: 100%; }
.hero-grid-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.hero-text { display: flex; flex-direction: column; gap: 2rem; }
.hero-title { font-size: clamp(36px, 4.5vw, 58px); font-weight: 700; line-height: 1.1; letter-spacing: -0.02em; }
.hero-subtitle { color: var(--text-tertiary); max-width: 28rem; font-size: 16px; }
/* Dim text helper — used on words that were rgba(255,255,255,0.7) before */
.hero-dim-text { color: var(--text-tertiary); }
.trust-badges { display: flex; flex-wrap: wrap; gap: 12px; }
.trust-badge {
    display: flex; align-items: center; gap: 8px;
    padding: 8px 12px; border-radius: var(--radius-md);
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    font-size: 14px; font-weight: 500; color: var(--text-secondary);
}
.trust-badge svg { color: var(--navy); flex-shrink: 0; }

/* Loan Form (dark glass — inside dark hero) */
.loan-form-wrap {
    position: relative; border-radius: var(--radius-lg); overflow: hidden;
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-lg);
    margin-top: 4rem;
}
.loan-form-top { position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(to right, var(--brand), rgba(212,1,0,0.7), var(--brand)); }
.loan-form-inner { padding: 2rem; }
.loan-form-title { font-size: 18px; font-weight: 600; color: var(--text-primary); margin-bottom: 1.5rem; }
.loan-form-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1.5rem; margin-bottom: 1.5rem; }
.form-group { display: flex; flex-direction: column; gap: 10px; }
.form-group label { font-size: 14px; font-weight: 500; color: var(--text-secondary); }
.form-display {
    display: flex; align-items: center; gap: 8px;
    background: var(--bg-1); border: 1px solid var(--border);
    border-radius: var(--radius-lg); padding: 12px 16px;
}
.form-display .euro { color: var(--brand); font-weight: 700; font-size: 16px; }
.form-display .amount { font-weight: 700; color: var(--text-primary); font-size: 16px; }
.form-display.muted .amount { color: var(--text-secondary); }
.loan-slider {
    width: 100%; margin-top: 8px; height: 4px;
    accent-color: var(--brand); cursor: pointer;
}
.slider-labels { display: flex; justify-content: space-between; margin-top: 4px; }
.slider-labels span { font-size: 12px; color: var(--text-tertiary); }
.form-select {
    width: 100%; appearance: none;
    background: var(--bg-1); border: 1px solid var(--border);
    border-radius: var(--radius-lg); padding: 12px 40px 12px 16px;
    color: var(--text-tertiary); font-size: 16px; cursor: pointer;
    transition: border-color 0.2s;
}
.form-select:focus { outline: none; border-color: rgba(212,1,0,0.5); box-shadow: 0 0 0 3px rgba(212,1,0,0.08); }
.form-select.has-value { color: var(--text-primary); }
.form-select-wrap { position: relative; }
.form-select-wrap svg {
    position: absolute; right: 16px; top: 50%; transform: translateY(-50%);
    color: var(--text-tertiary); pointer-events: none;
}
.form-hint { font-size: 12px; color: var(--text-tertiary); }
.loan-form-footer { display: flex; flex-direction: row; align-items: center; justify-content: space-between; gap: 16px; }
.form-disclaimer { font-size: 12px; color: var(--text-tertiary); }

/* ============================================================
   STATS SECTION  — light
   ============================================================ */
.stats { position: relative; background: var(--bg-1); overflow: hidden; }
.stats-label {
    display: flex; align-items: center; justify-content: center; gap: 16px; margin-bottom: 3rem;
}
.stats-label .line { height: 1px; flex: 1; max-width: 80px; }
.stats-label .line.left  { background: linear-gradient(to right, transparent, rgba(12,24,54,0.2)); }
.stats-label .line.right { background: linear-gradient(to left, transparent, rgba(12,24,54,0.2)); }
.stats-label span { font-size: 11px; font-weight: 500; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.1em; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.stat-card {
    position: relative; display: flex; flex-direction: column; align-items: center; gap: 24px;
    padding: 24px; border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    overflow: hidden; transition: background 0.3s, border-color 0.3s, box-shadow 0.3s;
    cursor: default;
}
.stat-card:hover { border-color: var(--border-navy); box-shadow: var(--shadow-md); }
.stat-card:hover .icon-box { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }
.stat-value {
    font-size: clamp(36px, 3.5vw, 48px); font-weight: 700; color: var(--text-primary);
    line-height: 1; font-variant-numeric: tabular-nums;
}
.stat-value .accent { color: var(--brand); }
.stat-label { font-size: 18px; font-weight: 600; color: var(--text-secondary); text-align: center; }
.stat-sublabel { font-size: 14px; color: var(--text-muted); text-align: center; }
.stat-text { display: flex; flex-direction: column; align-items: center; gap: 8px; }

/* ============================================================
   WHY US SECTION  — light bg, feature cards stay dark navy
   ============================================================ */
.why-us { position: relative; background: var(--bg-1); overflow: hidden; }
.why-us-header {
    display: flex; flex-direction: row; align-items: flex-end; justify-content: space-between;
    gap: 2rem; margin-bottom: 3rem;
}
.why-us-header-text { display: flex; flex-direction: column; gap: 16px; }
.why-us-subtitle { color: var(--text-tertiary); max-width: 20rem; text-align: right; font-size: 14px; line-height: 1.6; }
.bento-grid {
    display: grid; grid-template-columns: repeat(5, 1fr);
    grid-template-rows: auto auto; gap: 16px;
}
.feature-card {
    position: relative; display: flex; flex-direction: column; justify-content: space-between;
    overflow: hidden; border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
    cursor: default;
}
.feature-card:hover { border-color: var(--border-navy-hover); transform: translateY(-4px); box-shadow: 0 8px 28px rgba(12,24,54,0.10); }
.feature-card.col-3 { grid-column: span 3; }
.feature-card.col-2 { grid-column: span 2; }
.feature-card-num {
    position: absolute; top: 16px; right: 20px;
    font-size: 80px; font-weight: 700; color: rgba(12,24,54,0.04);
    line-height: 1; pointer-events: none; user-select: none;
}
.feature-card-body { display: flex; flex-direction: column; gap: 16px; padding: 24px; }
.feature-tag {
    align-self: flex-start; padding: 4px 12px; border-radius: var(--radius-full);
    border: 1px solid rgba(212,1,0,0.22); background: rgba(212,1,0,0.06);
    font-size: 11px; font-weight: 500; text-transform: uppercase;
    letter-spacing: 0.1em; color: var(--brand);
}
.feature-icon-wrap { transition: transform 0.3s; }
.feature-card:hover .feature-icon-wrap { transform: scale(1.05); }
.feature-card-title { font-size: 22px; font-weight: 600; color: var(--text-primary); line-height: 1.3; }
.feature-card-desc { font-size: 14px; color: var(--text-secondary); line-height: 1.6; }
.feature-card-bottom { height: 3px; width: 100%; background: linear-gradient(to right, var(--brand), rgba(212,1,0,0.5), transparent); opacity: 0; transition: opacity 0.3s; }
.feature-card:hover .feature-card-bottom { opacity: 1; }

/* Custom feature icons — navy box, navy strokes */
.feat-icon { position: relative; width: 48px; height: 48px; flex-shrink: 0; }
.feat-icon::before {
    content: ""; position: absolute; inset: 0;
    border-radius: var(--radius-lg); background: var(--navy-alpha-07); border: 1px solid var(--border-navy);
}
.feat-icon svg { position: absolute; inset: 0; padding: 8px; width: 100%; height: 100%; }
/* Override inline SVG red → navy via attribute selectors (no HTML edit needed) */
.feat-icon svg [stroke="#D40100"] { stroke: var(--navy); }
.feat-icon svg [fill="#D40100"]   { fill:   var(--navy); }

/* ============================================================
   PARTNER SECTION  — light
   ============================================================ */
.partners { position: relative; background: var(--bg-1); overflow: hidden; }
.partners-header { display: flex; flex-direction: column; align-items: center; gap: 16px; margin-bottom: 3rem; text-align: center; }
.partners-header p { color: var(--text-tertiary); max-width: 32rem; font-size: 16px; }
.marquee-wrap { position: relative; width: 100%; overflow: hidden; padding-bottom: 4rem; }
/* Use var(--bg-1) so fade always matches the section background */
.marquee-fade-left  { pointer-events: none; position: absolute; left: 0; top: 0; bottom: 0; width: 8rem; z-index: 10; background: linear-gradient(to right,  var(--bg-1), transparent); }
.marquee-fade-right { pointer-events: none; position: absolute; right: 0; top: 0; bottom: 0; width: 8rem; z-index: 10; background: linear-gradient(to left,   var(--bg-1), transparent); }
.marquee-track {
    display: flex; gap: 16px; width: max-content;
    animation: marquee-scroll 28s linear infinite;
}
.marquee-track:hover { animation-play-state: paused; }
@keyframes marquee-scroll {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
}
.logo-card {
    display: flex; align-items: center; justify-content: center;
    width: 160px; height: 70px; flex-shrink: 0;
    border-radius: var(--radius-lg); border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    padding: 16px 24px;
}
.logo-card.white-bg { background: #fff; }
.logo-card img { max-width: 130px; max-height: 50px; object-fit: contain; }
.logo-card-text { font-size: 14px; font-weight: 700; text-align: center; line-height: 1.3; }

/* ============================================================
   LEISTUNGEN (SERVICES) SECTION  — light
   ============================================================ */
.leistungen { position: relative; background: var(--bg-1); overflow: hidden; }
.leistungen-header { margin-bottom: 3rem; }
.leistungen-header-row { display: flex; flex-direction: row; align-items: flex-end; justify-content: space-between; gap: 24px; }
.leistungen-header h2 { margin-bottom: 8px; }
.leistungen-header p { color: var(--text-tertiary); font-size: 16px; }
.progress-dots { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
.progress-dots span { font-size: 12px; font-weight: 500; color: var(--text-muted); margin-right: 4px; }
.dot-pill { height: 4px; border-radius: 9999px; }
.dot-pill.active   { width: 20px; background: var(--brand); }
.dot-pill.inactive { width: 8px;  background: var(--border-strong); }
.leistungen-divider { height: 1px; background: linear-gradient(to right, transparent, rgba(212,1,0,0.22), transparent); margin: 1.5rem 0; }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.service-card {
    position: relative; border-radius: var(--radius-lg); overflow: hidden;
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    transition: transform 0.3s, border-color 0.3s, box-shadow 0.3s;
    cursor: pointer;
}
.service-card:hover { transform: translateY(-4px); border-color: var(--border-navy); box-shadow: var(--shadow-md); }
.service-card:hover .icon-box { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }
.service-card:hover .service-arrow { opacity: 1; transform: translateX(0); }
.service-card-num { position: absolute; top: 0; right: 16px; font-size: 80px; font-weight: 700; color: rgba(0,0,0,0.04); line-height: 1; pointer-events: none; user-select: none; }
.service-card-top-accent { position: absolute; top: 0; left: 0; right: 0; height: 2px; background: linear-gradient(to right, var(--brand), rgba(212,1,0,0.5), transparent); opacity: 0; transition: opacity 0.3s; }
.service-card:hover .service-card-top-accent { opacity: 1; }
.service-card-body { padding: 24px; display: flex; flex-direction: column; gap: 24px; position: relative; }
.service-card-top { display: flex; align-items: center; justify-content: space-between; }
.service-arrow {
    width: 32px; height: 32px; border-radius: 50%;
    background: var(--navy-alpha-07); display: flex; align-items: center; justify-content: center;
    opacity: 0; transform: translateX(6px); transition: opacity 0.2s, transform 0.2s;
}
.service-arrow svg { color: var(--navy); }
.service-card-title { font-size: 22px; font-weight: 600; color: var(--text-primary); line-height: 1.3; }
.service-card-subtitle { font-size: 12px; color: var(--navy); font-weight: 500; }
.service-card-desc { font-size: 14px; color: var(--text-tertiary); line-height: 1.6; }
.leistungen-cta-strip {
    margin-top: 3rem; border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    padding: 24px 32px; display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.leistungen-cta-strip p { color: var(--text-tertiary); font-size: 16px; }

/* ============================================================
   FAMILIAR (KENNEN SIE DAS?) SECTION  — light
   ============================================================ */
.familiar { position: relative; background: var(--bg-1); overflow: hidden; }
.familiar-header { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 16px; margin-bottom: 3rem; }
.familiar-header p { color: var(--text-tertiary); max-width: 32rem; font-size: 16px; }
.problems-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 3rem; }
.problem-card {
    position: relative; display: flex; align-items: flex-start; gap: 16px;
    padding: 24px; border-radius: var(--radius-lg); overflow: hidden;
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    transition: border-color 0.3s, box-shadow 0.3s;
    cursor: default;
}
.problem-card:hover { border-color: var(--border-navy); box-shadow: var(--shadow-md); }
.problem-card:hover .icon-box.sm { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }
.problem-card-corner-accent { position: absolute; top: 0; left: 0; width: 64px; height: 2px; background: linear-gradient(to right, var(--brand), rgba(212,1,0,0.4), transparent); opacity: 0; border-bottom-right-radius: 9999px; transition: opacity 0.3s; }
.problem-card:hover .problem-card-corner-accent { opacity: 1; }
.problem-text { display: flex; flex-direction: column; gap: 4px; }
.problem-text p:first-child { font-size: 14px; font-weight: 600; color: var(--text-primary); line-height: 1.4; }
.problem-text p:last-child { font-size: 12px; color: var(--text-muted); line-height: 1.4; transition: color 0.3s; }
.problem-card:hover .problem-text p:last-child { color: var(--text-tertiary); }
.resolve-banner {
    position: relative; display: flex; flex-direction: row; align-items: center;
    justify-content: space-between; gap: 24px; padding: 32px;
    border-radius: var(--radius-lg); overflow: hidden;
    border: 1px solid var(--border-navy);
    background: linear-gradient(to right, var(--navy-alpha-07), var(--navy-alpha-07), transparent);
}
.resolve-banner-big-check { position: absolute; right: 32px; top: 50%; transform: translateY(-50%); font-size: 120px; font-weight: 700; color: rgba(12,24,54,0.04); pointer-events: none; user-select: none; line-height: 1; }
.resolve-banner-glow { position: absolute; right: 0; top: 50%; transform: translateY(-50%); width: 256px; height: 256px; border-radius: 50%; background: rgba(12,24,54,0.05); filter: blur(60px); pointer-events: none; }
.resolve-banner-content { display: flex; align-items: center; gap: 24px; position: relative; z-index: 1; }
.resolve-banner-text p:first-child { font-size: 18px; font-weight: 600; color: var(--navy); }
.resolve-banner-text p:last-child { font-size: 14px; color: var(--text-tertiary); }
.resolve-banner-cta { position: relative; z-index: 1; flex-shrink: 0; }

/* ============================================================
   SOLUTION SECTION  — light
   ============================================================ */
.solution { position: relative; background: var(--bg-1); overflow: hidden; }
.solution-layout { display: flex; flex-direction: row; align-items: center; gap: 4rem; }
.solution-left { display: flex; flex-direction: column; gap: 2rem; width: 46%; flex-shrink: 0; }
.solution-right { flex: 1; width: 100%; }
.solution-text { display: flex; flex-direction: column; gap: 16px; }
.solution-text p { color: var(--text-tertiary); font-size: 16px; line-height: 1.6; }
.solution-stats { display: flex; align-items: center; gap: 24px; padding: 24px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.solution-stat .value { font-size: 26px; font-weight: 700; color: var(--brand); }
.solution-stat .label { font-size: 12px; color: var(--text-muted); }
.star-row { display: flex; align-items: center; gap: 12px; }
.stars { display: flex; gap: 4px; }
.stars svg { color: var(--brand); fill: var(--brand); }
.star-row p { font-size: 14px; color: var(--text-muted); }
.solution-cta-row { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.solution-cta-row span { font-size: 12px; color: var(--text-muted); }
.solution-card {
    position: relative; border-radius: var(--radius-lg); padding: 32px; overflow: hidden;
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-md);
}
.solution-card-top-accent { position: absolute; top: 0; left: 3rem; right: 3rem; height: 2px; background: linear-gradient(to right, transparent, rgba(12,24,54,0.15), transparent); }
.solution-card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; }
.solution-card-header span { font-size: 18px; font-weight: 600; color: var(--text-primary); }
.solution-card-badge {
    display: flex; align-items: center; gap: 8px;
    padding: 4px 12px; border-radius: var(--radius-full);
    background: rgba(212,1,0,0.1); border: 1px solid var(--border-brand);
}
.solution-card-badge svg { color: var(--brand); }
.solution-card-badge span { font-size: 12px; color: var(--brand); }
.features-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.mini-feature {
    display: flex; align-items: flex-start; gap: 12px;
    padding: 16px; border-radius: var(--radius-md);
    border: 1px solid var(--border);
    background: var(--bg-3);
    transition: border-color 0.3s, box-shadow 0.3s;
}
.mini-feature:hover { border-color: var(--border-navy); box-shadow: var(--shadow-sm); }
.mini-feature:hover .icon-box.sm { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }
.mini-feature-text { display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.mini-feature-text .title { font-size: 14px; font-weight: 600; color: var(--text-primary); }
.mini-feature-text .desc  { font-size: 12px; color: var(--text-muted); line-height: 1.4; transition: color 0.3s; }
.mini-feature:hover .mini-feature-text .desc { color: var(--text-tertiary); }
.solution-card-footer { margin-top: 24px; padding-top: 24px; border-top: 1px solid var(--border); display: flex; align-items: center; gap: 12px; }
.avatar-stack { display: flex; }
.avatar {
    width: 32px; height: 32px; border-radius: 50%;
    border: 2px solid var(--bg-2);
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 700; color: #fff;
    margin-left: -8px;
}
.avatar:first-child { margin-left: 0; }
.solution-card-footer span { font-size: 12px; color: var(--text-muted); }

/* ============================================================
   TESTIMONIALS SECTION  — light
   ============================================================ */
.testimonials { position: relative; background: var(--bg-1); overflow: hidden; }
.testimonials-header { display: flex; flex-direction: row; align-items: flex-end; justify-content: space-between; gap: 2rem; margin-bottom: 3rem; }
.testimonials-header-left { display: flex; flex-direction: column; gap: 16px; }
.rating-card {
    display: flex; align-items: center; gap: 16px; flex-shrink: 0;
    padding: 16px 24px; border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
}
.rating-number { font-size: 36px; font-weight: 700; color: var(--text-primary); line-height: 1; }
.rating-stars { display: flex; gap: 4px; margin-top: 4px; }
.rating-stars svg { color: var(--brand); fill: var(--brand); }
.rating-divider { width: 1px; height: 48px; background: var(--border); }
.rating-meta .title { font-size: 14px; font-weight: 600; color: var(--text-secondary); }
.rating-meta .sub   { font-size: 12px; color: var(--text-muted); }
.testimonials-slider { position: relative; }
.testimonials-slider .slider-btn {
    position: absolute; top: 50%; z-index: 10;
    width: 44px; height: 44px; border-radius: 50%;
    border: 1px solid var(--border);
    background: var(--bg-2);
    color: var(--text-muted);
    display: flex; align-items: center; justify-content: center;
    transition: border-color 0.2s, box-shadow 0.2s, color 0.2s;
    box-shadow: var(--shadow-sm);
}
.testimonials-slider .slider-btn:hover { border-color: var(--border-navy-hover); box-shadow: var(--shadow-md); color: var(--navy); }
.testimonials-slider .slider-btn.prev { left: -20px; transform: translateY(-50%) translateX(-2px); }
.testimonials-slider .slider-btn.next { right: -20px; transform: translateY(-50%) translateX(2px); }
.slider-viewport { overflow: hidden; margin: 0 32px; }
.review-card {
    display: flex; flex-direction: row; border-radius: var(--radius-lg); overflow: hidden;
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-md);
    transition: opacity 0.38s, transform 0.38s;
}
.review-accent-strip { width: 6px; flex-shrink: 0; }
.review-body { display: flex; flex-direction: row; flex: 1; padding: 32px; gap: 32px; }
.review-author { display: flex; flex-direction: column; align-items: flex-start; gap: 24px; width: 13rem; flex-shrink: 0; }
.review-avatar {
    display: flex; align-items: center; justify-content: center;
    width: 64px; height: 64px; border-radius: var(--radius-lg);
    font-size: 20px; font-weight: 700; color: #fff;
    box-shadow: var(--shadow-sm); flex-shrink: 0;
}
.review-author-info { display: flex; flex-direction: column; gap: 8px; }
.review-author-info .name { font-size: 18px; font-weight: 600; color: var(--text-primary); }
.review-location { display: flex; align-items: center; gap: 8px; }
.review-location .dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; }
.review-location span { font-size: 12px; color: var(--text-tertiary); }
.review-stars { display: flex; gap: 4px; }
.review-stars svg { color: var(--brand); fill: var(--brand); }
.review-verified {
    display: flex; align-items: center; gap: 6px;
    padding: 4px 12px; border-radius: var(--radius-full);
    border: 1px solid var(--border);
    background: var(--bg-3);
    font-size: 12px; color: var(--text-muted);
    align-self: flex-start;
}
.review-verified svg { color: var(--navy); flex-shrink: 0; }
.review-divider-v { width: 1px; background: var(--border); flex-shrink: 0; }
.review-content { flex: 1; display: flex; flex-direction: column; justify-content: center; gap: 24px; position: relative; }
.review-quote-icon { position: absolute; top: -8px; left: -8px; color: rgba(0,0,0,0.04); }
.review-text { position: relative; color: var(--text-secondary); font-size: 16px; line-height: 1.6; font-style: italic; }
.review-progress { height: 2px; border-radius: 9999px; background: var(--border); overflow: hidden; }
.review-progress-bar { height: 100%; background: var(--brand); border-radius: 9999px; width: 0; }
.review-progress-bar.playing { animation: progress-fill 5s linear forwards; }
@keyframes progress-fill { from { width: 0%; } to { width: 100%; } }
.slider-controls { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 2rem; }
.dot-btn { background: none; border: none; cursor: pointer; padding: 4px; }
.dot-btn span { display: block; height: 8px; border-radius: 9999px; background: var(--border-strong); transition: width 0.3s, background 0.3s; }
.dot-btn.active span { background: var(--brand); }
.mobile-slider-btn {
    width: 36px; height: 36px; border-radius: 50%;
    border: 1px solid var(--border); background: var(--bg-2);
    color: var(--text-muted); display: flex; align-items: center; justify-content: center;
    box-shadow: var(--shadow-sm);
    transition: border-color 0.2s, color 0.2s;
}
.mobile-slider-btn:hover { border-color: var(--border-navy-hover); color: var(--navy); }
.testimonials-footnote { margin-top: 2rem; text-align: center; font-size: 12px; color: var(--text-muted); }

/* ============================================================
   HOW IT WORKS SECTION  — light
   ============================================================ */
.how-it-works { position: relative; background: var(--bg-1); overflow: hidden; }
.hiw-header { display: flex; flex-direction: row; align-items: flex-end; justify-content: space-between; gap: 24px; margin-bottom: 3rem; }
.hiw-header-left { display: flex; flex-direction: column; gap: 16px; }
.hiw-checklist { display: flex; flex-direction: column; gap: 8px; }
.hiw-check { display: flex; align-items: center; gap: 8px; }
.hiw-check svg { color: var(--navy); flex-shrink: 0; }
.hiw-check span { font-size: 14px; color: var(--text-tertiary); }
.steps-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.step-wrap { display: flex; flex-direction: row; align-items: stretch; }
.step-card {
    position: relative; display: flex; flex-direction: column; gap: 24px; padding: 24px;
    border-radius: var(--radius-lg); overflow: hidden;
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
    flex: 1; height: 100%; cursor: default;
}
.step-card:hover { border-color: var(--border-navy); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.step-card:hover .icon-box.lg { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }
.step-card-num-bg { position: absolute; top: -12px; right: -8px; font-size: 96px; font-weight: 700; color: rgba(0,0,0,0.04); line-height: 1; pointer-events: none; user-select: none; }
.step-card-top-accent { position: absolute; top: 0; left: 24px; right: 24px; height: 2px; background: linear-gradient(to right, var(--brand), rgba(212,1,0,0.5), transparent); opacity: 0; transition: opacity 0.3s; border-radius: 9999px; }
.step-card:hover .step-card-top-accent { opacity: 1; }
.step-card-header { display: flex; align-items: flex-start; justify-content: space-between; }
.step-num-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-tertiary); transition: color 0.3s; }
.step-card:hover .step-num-label { color: var(--navy); }
.step-text { display: flex; flex-direction: column; gap: 8px; flex: 1; }
.step-text h3 { font-size: 22px; font-weight: 600; color: var(--text-primary); line-height: 1.3; }
.step-text p { font-size: 14px; color: var(--text-tertiary); line-height: 1.6; }
.step-chip {
    align-self: flex-start; display: flex; align-items: center; gap: 8px;
    padding: 4px 12px; border-radius: var(--radius-full);
    background: var(--bg-3); border: 1px solid var(--border);
}
.step-chip .chip-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--brand); opacity: 0.7; }
.step-chip span { font-size: 12px; color: var(--text-muted); }
.step-connector { display: flex; align-items: center; justify-content: center; width: 48px; flex-shrink: 0; margin-top: 32px; }
.step-wrap:last-child { padding-right: 48px; }
.step-connector-inner { display: flex; align-items: center; gap: 4px; width: 100%; }
.connector-line { flex: 1; height: 0; border-top: 2px dashed rgba(12,24,54,0.2); }
.connector-arrow { color: rgba(12,24,54,0.3); flex-shrink: 0; }
.hiw-cta-row { display: flex; flex-direction: row; align-items: center; justify-content: center; gap: 16px; margin-top: 3rem; flex-wrap: wrap; }
.hiw-cta-row span { font-size: 12px; color: var(--text-muted); }

/* ============================================================
   FAQ SECTION  — light
   ============================================================ */
.faq { position: relative; background: var(--bg-1); overflow: hidden; }
.faq-header { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 16px; margin-bottom: 3rem; }
.faq-header p { color: var(--text-muted); max-width: 40rem; font-size: 16px; }
.faq-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.faq-col { display: flex; flex-direction: column; gap: 12px; }
.faq-item { border-radius: var(--radius-lg); overflow: hidden; transition: border-color 0.3s, background 0.3s, box-shadow 0.3s; }
.faq-item.closed { border: 1px solid var(--border); background: var(--bg-2); box-shadow: var(--shadow-sm); }
.faq-item.open   { border: 1px solid var(--border-brand); background: var(--brand-xlight); box-shadow: var(--shadow-sm); }
.faq-question {
    width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
    padding: 24px; text-align: left; cursor: pointer;
    background: none; border: none; font-family: inherit;
}
.faq-question-text { font-size: 16px; font-weight: 600; line-height: 1.3; transition: color 0.2s; }
.faq-item.closed .faq-question-text { color: var(--text-secondary); }
.faq-item.closed .faq-question:hover .faq-question-text { color: var(--text-primary); }
.faq-item.open   .faq-question-text { color: var(--text-primary); }
.faq-toggle {
    flex-shrink: 0; width: 32px; height: 32px; border-radius: var(--radius-md);
    display: flex; align-items: center; justify-content: center;
    transition: background 0.3s, border-color 0.3s;
}
.faq-item.closed .faq-toggle { background: var(--bg-3); border: 1px solid var(--border); }
.faq-item.open   .faq-toggle { background: rgba(212,1,0,0.12); border: 1px solid var(--border-brand); }
.faq-toggle svg { transition: color 0.2s; }
.faq-item.closed .faq-toggle svg { color: var(--text-muted); }
.faq-item.open   .faq-toggle svg { color: var(--brand); }
.faq-answer { overflow: hidden; max-height: 0; transition: max-height 0.35s ease; }
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer-inner { padding: 0 24px 24px; }
.faq-divider { height: 1px; background: linear-gradient(to right, var(--border-navy), var(--border), transparent); margin-bottom: 16px; }
.faq-answer-text { font-size: 14px; color: var(--text-tertiary); line-height: 1.6; }
.faq-cta-strip {
    margin-top: 3rem; display: flex; flex-direction: row; align-items: center; justify-content: center; gap: 16px;
    padding: 24px; border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--bg-2);
    box-shadow: var(--shadow-sm);
    text-align: center;
}
.faq-cta-strip p { color: var(--text-tertiary); font-size: 16px; }

/* ============================================================
   CTA BANNER  — stays dark navy
   ============================================================ */
.cta-banner {
    position: relative;
    background: var(--bg-navy); /* explicit dark override */
    overflow: hidden;
    color: var(--text-on-dark);
}
.cta-banner h2 { color: var(--text-on-dark); }
.cta-content { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 24px; }
.cta-content h2 { font-size: clamp(28px, 4.5vw, 54px); max-width: 42rem; }
.cta-content h2 span { color: var(--brand); }
.cta-content > p { color: rgba(255,255,255,0.45); max-width: 28rem; font-size: 16px; }
.cta-btn {
    display: inline-flex; align-items: center; gap: 12px;
    padding: 16px 32px; border-radius: var(--radius-full);
    background: var(--brand); color: #fff; font-weight: 600;
    font-size: 16px; letter-spacing: 0.06em; text-transform: uppercase;
    box-shadow: var(--shadow-brand-lg);
    transition: background 0.2s, transform 0.2s;
    border: none; cursor: pointer;
}
.cta-btn:hover  { background: var(--brand-hover); transform: scale(1.04); }
.cta-btn:active { transform: scale(0.97); }
.cta-btn:has(svg) { padding-right: 20px; }           /* 32 − 12 = 20 */
.cta-disclaimers { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 24px; }
.cta-disclaimers .item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.3); font-size: 12px; }
.cta-disclaimers .item svg { color: rgba(255,255,255,0.2); }
.cta-disclaimers .sep { color: rgba(255,255,255,0.15); }

/* ============================================================
   LEGAL SECTION  — light
   ============================================================ */
.legal { position: relative; background: var(--bg-1); overflow: hidden; }
.legal-header { display: flex; align-items: center; gap: 12px; margin-bottom: 2rem; }
.legal-header .icon-box.sm { background: var(--bg-3); border-color: var(--border); }
.legal-header .icon-box.sm svg { color: var(--text-muted); }
.legal-header h2 { font-size: 14px; font-weight: 600; color: var(--text-muted); letter-spacing: 0.01em; }
.legal-table-wrap { border-radius: var(--radius-lg); border: 1px solid var(--border); overflow: hidden; box-shadow: var(--shadow-sm); }
.legal-table { width: 100%; border-collapse: collapse; }
.legal-table thead tr { background: var(--bg-3); border-bottom: 1px solid var(--border); }
.legal-table th { padding: 16px 24px; text-align: left; font-size: 11px; font-weight: 500; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); white-space: nowrap; }
.legal-table tbody tr { background: var(--bg-2); }
.legal-table td { padding: 16px 24px; font-size: 14px; font-weight: 600; color: var(--text-secondary); white-space: nowrap; }
.legal-table td.total { color: var(--brand); }
.legal-table-mobile { border-radius: var(--radius-lg); border: 1px solid var(--border); overflow: hidden; display: none; box-shadow: var(--shadow-sm); }
.legal-table-mobile .row { display: flex; align-items: center; justify-content: space-between; padding: 16px 24px; background: var(--bg-2); border-bottom: 1px solid var(--border); }
.legal-table-mobile .row:last-child { border-bottom: none; }
.legal-table-mobile .row .key { font-size: 12px; font-weight: 500; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-muted); }
.legal-table-mobile .row .val { font-size: 14px; font-weight: 600; color: var(--text-secondary); }
.legal-table-mobile .row .val.total { color: var(--brand); }
.legal-footnotes { margin-top: 2rem; display: flex; flex-direction: column; gap: 8px; }
.legal-footnote { display: flex; align-items: flex-start; gap: 8px; }
.legal-footnote svg { color: var(--text-faint); flex-shrink: 0; margin-top: 2px; }
.legal-footnote p { font-size: 12px; color: var(--text-muted); line-height: 1.5; }

/* ============================================================
   FOOTER  — stays dark navy
   ============================================================ */
.site-footer {
    position: relative; overflow: hidden;
    background: linear-gradient(180deg, var(--bg-navy) 0%, #0D1A3A 40%, #0F1E42 100%);
}
.site-footer .top-line { position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(to right, transparent, rgba(212,1,0,0.2), transparent); }
.footer-grid-bg {
    position: absolute; inset: 0; opacity: 0.022;
    background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
    background-size: 64px 64px;
}
.footer-glow-bottom { position: absolute; bottom: 0; left: 50%; transform: translateX(-50%); width: 700px; height: 320px; border-radius: 50%; background: rgba(26,58,111,0.2); filter: blur(120px); pointer-events: none; }
.footer-main { display: grid; grid-template-columns: repeat(4, 1fr); gap: 3rem; padding: 4rem 0 3rem; position: relative; }
.footer-col { display: flex; flex-direction: column; gap: 24px; }
.footer-col-title { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.9); margin-bottom: 24px; display: block; }
.footer-desc { font-size: 14px; color: rgba(255,255,255,0.35); line-height: 1.6; }
.footer-badge {
    display: inline-flex; align-items: flex-start; gap: 8px;
    align-self: flex-start; padding: 12px;
    border-radius: var(--radius-lg); border: 1px solid rgba(255,255,255,0.07);
    background: rgba(255,255,255,0.025);
}
.footer-badge svg { color: var(--brand); flex-shrink: 0; margin-top: 2px; }
.footer-badge span { font-size: 12px; color: rgba(255,255,255,0.38); line-height: 1.4; }
.footer-links { display: flex; flex-direction: column; gap: 12px; }
.footer-link {
    display: inline-flex; align-items: center; gap: 4px;
    font-size: 14px; color: rgba(255,255,255,0.38);
    transition: color 0.2s; overflow: hidden;
}
.footer-link:hover { color: rgba(255,255,255,0.75); }
.footer-link-arrow { width: 0; overflow: hidden; transition: width 0.2s; color: var(--brand); font-size: 16px; }
.footer-link:hover .footer-link-arrow { width: 8px; }
.footer-contact { display: flex; flex-direction: column; gap: 16px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: 14px; color: rgba(255,255,255,0.38); transition: color 0.2s; }
.footer-contact-item svg { color: rgba(255,255,255,0.25); flex-shrink: 0; }
.footer-contact-item:hover { color: rgba(255,255,255,0.7); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.06); padding: 24px 0; display: flex; flex-direction: row; align-items: center; justify-content: space-between; gap: 12px; position: relative; }
.footer-copyright { font-size: 12px; color: rgba(255,255,255,0.22); }
.footer-badges { display: flex; align-items: center; gap: 16px; }
.footer-badge-item { display: flex; align-items: center; gap: 8px; font-size: 12px; color: rgba(255,255,255,0.22); }
.footer-badge-item svg { color: rgba(255,255,255,0.22); }
.footer-badges-sep { color: rgba(255,255,255,0.1); }

/* ============================================================
   AOS ANIMATIONS (overrides)
   ============================================================ */
[data-aos] { pointer-events: none; }
[data-aos].aos-animate { pointer-events: auto; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
    .nav-links, .header-cta { display: none; }
    .hamburger { display: flex; }
    .hero-grid-layout { grid-template-columns: 1fr; }
    .hero-map { display: none; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .bento-grid { grid-template-columns: 1fr; }
    .feature-card.col-3, .feature-card.col-2 { grid-column: span 1; }
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .solution-layout { flex-direction: column; }
    .solution-left { width: 100%; }
    .testimonials-header { flex-direction: column; align-items: flex-start; }
    .testimonials-slider .slider-btn { display: none; }
    .slider-viewport { margin: 0; }
    .review-card { flex-direction: column; }
    .review-accent-strip { width: 100%; height: 6px; }
    .review-body { flex-direction: column; }
    .review-author { display: grid; grid-template-columns: auto 1fr auto; grid-template-rows: auto auto; column-gap: 12px; row-gap: 6px; width: 100%; align-items: start; }
    .review-avatar { grid-row: 1 / 3; grid-column: 1; }
    .review-author-info { grid-row: 1; grid-column: 2; }
    .review-stars { grid-row: 1; grid-column: 3; align-self: center; }
    .review-verified { grid-row: 2; grid-column: 2 / 4; width: fit-content; }
    .review-divider-v { display: none; }
    .hiw-header { flex-direction: column; align-items: flex-start; }
    .steps-row { grid-template-columns: 1fr; gap: 12px; }
    .step-connector { display: none; }
    .step-wrap:last-child { padding-right: 0; }
    .faq-cols { grid-template-columns: 1fr; }
    .faq-cta-strip { flex-direction: column; }
    .why-us-header { flex-direction: column; align-items: flex-start; }
    .why-us-subtitle { text-align: left; }
    .leistungen-header-row { flex-direction: column; align-items: flex-start; }
    .progress-dots { display: none; }
    .leistungen-cta-strip { flex-direction: column; text-align: center; }
    .resolve-banner { flex-direction: column; text-align: center; }
    .resolve-banner-content { flex-direction: column; text-align: center; }
    .hiw-cta-row { flex-direction: column; text-align: center; }
    .footer-main { grid-template-columns: repeat(2, 1fr); }
    .footer-bottom { flex-direction: column; text-align: center; }
    .solution-cta-row { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 767px) {
    .container { padding: 0 1rem; }
    .section-pad { padding: 3rem 0; }
    .hero { padding-top: 80px; }
    .hero-content { padding: 1.5rem 0 2rem; }
    .loan-form-wrap { margin-top: -1rem; }
    .hero-text { gap: 1.25rem; }
    .loan-form-grid { grid-template-columns: 1fr; }
    .loan-form-footer { flex-direction: column-reverse; align-items: stretch; }
    .loan-form-footer .btn-primary { text-align: center; justify-content: center; }
    .problems-grid { grid-template-columns: repeat(2, 1fr); }
    .legal-table-wrap { display: none; }
    .legal-table-mobile { display: block; }
    .footer-main { grid-template-columns: 1fr; }
    .features-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
    .problems-grid { grid-template-columns: 1fr; }
    .services-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
}

/* ============================================================
   TOUCH-ACTIVE — mobile hover equivalent
   Triggered by JS .touch-active class (350ms after tap)
   ============================================================ */
@media (hover: none) {

    /* Service cards */
    .service-card.touch-active { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--border-navy-hover); }
    .service-card.touch-active .service-card-top-accent { opacity: 1; }
    .service-card.touch-active .icon-box { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }

    /* Step cards */
    .step-card.touch-active { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--border-navy-hover); }
    .step-card.touch-active .step-card-top-accent { opacity: 1; }
    .step-card.touch-active .icon-box.lg { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }
    .step-card.touch-active .step-num-label { color: var(--navy); }

    /* Feature cards (Warum bei uns) */
    .feature-card.touch-active { transform: translateY(-4px); box-shadow: 0 8px 28px rgba(12,24,54,0.10); border-color: var(--border-navy-hover); }
    .feature-card.touch-active .feature-card-bottom { opacity: 1; }
    .feature-card.touch-active .feature-icon-wrap { transform: scale(1.05); }

    /* Problem cards */
    .problem-card.touch-active { border-color: var(--border-navy); box-shadow: var(--shadow-md); }
    .problem-card.touch-active .problem-card-corner-accent { opacity: 1; }
    .problem-card.touch-active .icon-box.sm { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }

    /* Stat cards */
    .stat-card.touch-active { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
    .stat-card.touch-active .icon-box { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }

    /* Solution cards */
    .solution-card.touch-active { transform: translateY(-3px); box-shadow: var(--shadow-lg); }

    /* Mini-features */
    .mini-feature.touch-active { background: var(--bg-2); box-shadow: var(--shadow-sm); border-color: var(--border-navy); }
    .mini-feature.touch-active .icon-box { background: var(--navy-alpha-12); border-color: var(--border-navy-hover); }
}