*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  /* System Farben */
  --primary: #1D2B43;
  --secondary: #F5F5F7;
  --text: #1D2B43;
  --accent: #5E7955;
  --accent-hover: #4a6342;

  /* Individuelle Farben */
  --bg: #121B2A;
  --bg-bewertung: #F5F5F7;
  --hintergrund: #FFFFFF;
  --box: #EBF2FA;
  --footer-menu-bg: #E2E8F0;

  /* Abgeleitet */
  --cream: #F5F5F7;
  --cream2: #EBF2FA;
  --white: #FFFFFF;
  --border: #d4dce8;
  --text-mid: #2a3a54;
  --text-muted: #5a6a7a;
  --nav-bg: #E2E8F0;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Lato', sans-serif;
  color: var(--text);
  background: var(--white);
  font-size: 16px;
  line-height: 1.6;
}

/* ===== NAV ===== */
.nav-wrapper {
  position: fixed; top: 16px; left: 50%; transform: translateX(-50%);
  z-index: 200;
  width: calc(100% - 48px); max-width: 1100px;
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1), opacity 0.35s ease;
}
.nav-wrapper.hidden {
  transform: translateX(-50%) translateY(-110%);
  opacity: 0;
}

nav {
  background: var(--nav-bg);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 12px 0 12px; height: 56px;
  border-radius: 999px;
  border: 1px solid rgba(29,43,67,0.15);
  box-shadow: 0 4px 20px rgba(18,27,42,0.18), 0 1px 4px rgba(18,27,42,0.1);
}

.nav-logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none; flex-shrink: 0;
}
.nav-logo-icon {
  width: 36px; height: 36px;
  border-radius: 50%; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.nav-logo-icon img { width: 100%; height: 100%; object-fit: cover; }
.nav-logo-icon-placeholder {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--primary);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; color: var(--white);
}
.nav-logo-sub {
  font-size: 11px; color: var(--text-mid);
  font-weight: 400; letter-spacing: 0.01em;
}

.nav-center {
  display: flex; align-items: center; gap: 2px;
  list-style: none;
}
.nav-center > li { position: relative; }
.nav-center > li > a {
  color: var(--primary);
  text-decoration: none; font-size: 14px;
  padding: 7px 14px; display: block;
  border-radius: 999px;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap; font-weight: 400;
}
.nav-center > li > a:hover {
  background: rgba(29,43,67,0.07);
  color: var(--primary);
}

.nav-dropdown {
  position: absolute; top: calc(100% + 4px); left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  min-width: 210px;
  box-shadow: 0 8px 28px rgba(18,27,42,0.14);
  opacity: 0; pointer-events: none;
  transition: opacity 0.18s, transform 0.18s;
  list-style: none;
  z-index: 300;
  padding: 6px;
  /* Invisible top extension bridges the gap between link and dropdown */
  margin-top: 0;
}
/* Bridge the gap with a pseudo-element so hover isn't lost */
.nav-center > li::after {
  content: '';
  position: absolute;
  bottom: -8px; left: 0; right: 0;
  height: 8px;
}
li:hover .nav-dropdown {
  opacity: 1; pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown a {
  display: block; padding: 9px 14px;
  font-size: 14px; color: var(--text-mid);
  text-decoration: none; border-radius: 8px;
  transition: background 0.13s, color 0.13s;
}
.nav-dropdown a:hover { background: var(--box); color: var(--accent); }

.nav-cta {
  background: var(--primary) !important;
  color: var(--white) !important;
  padding: 9px 22px !important;
  border-radius: 999px !important;
  font-weight: 700 !important;
  font-size: 13px !important;
  transition: background 0.18s, transform 0.15s !important;
  white-space: nowrap; flex-shrink: 0;
  text-decoration: none; display: inline-block;
}
.nav-cta:hover {
  background: #2a3f60 !important;
  transform: scale(1.03);
}

/* ===== HERO ===== */
.hero {
  min-height: 92vh;
  background: var(--hintergrund);
  display: flex; flex-direction: column; justify-content: flex-end;
  padding-top: 88px;
  position: relative; overflow: hidden;
}

.hero-text-block {
  padding: 56px 40px 40px;
  position: relative; z-index: 2;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 11px; font-weight: 700; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--accent);
  margin-bottom: 16px;
}

.hero-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(32px, 4.2vw, 52px);
  font-weight: 700; color: var(--primary);
  line-height: 1.15; max-width: 820px;
  margin-bottom: 16px;
}

.hero-sub {
  font-size: 18px; font-weight: 300;
  color: var(--text-muted);
  letter-spacing: 0.01em;
}

.hero-img {
  width: 100%; height: 380px;
  overflow: hidden; position: relative;
}
.hero-img-placeholder {
  width: 100%; height: 100%;
  background: linear-gradient(160deg, #4a6a5a 0%, #5a7a5a 40%, #6a8a6a 100%);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.35); font-size: 13px; letter-spacing: 0.15em;
  text-transform: uppercase;
}

/* ===== SECTIONS ===== */
section { padding: 80px 40px; }

.section-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(26px, 3.5vw, 42px);
  font-weight: 700; line-height: 1.2;
  color: var(--primary); margin-bottom: 20px;
}
.section-sub {
  font-size: 16px; color: var(--text-muted);
  line-height: 1.8; max-width: 600px;
  margin-bottom: 48px;
}

/* ===== PARTNER SECTION ===== */
.partner { background: var(--white); }

.partner-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 72px; align-items: start;
  margin-bottom: 64px;
}

.partner-quote {
  font-size: 16px; font-weight: 400;
  color: var(--text-muted); line-height: 1.8;
  padding-left: 16px;
  border-left: 3px solid var(--accent);
  margin-bottom: 28px;
  font-style: italic;
}

.btn-primary {
  display: inline-block;
  background: var(--accent);
  color: var(--white); text-decoration: none;
  padding: 11px 28px; font-size: 14px; font-weight: 700;
  border-radius: 4px; border: none; cursor: pointer;
  font-family: 'Lato', sans-serif;
  transition: background 0.18s;
}
.btn-primary:hover { background: var(--accent-hover); }

.btn-more {
  display: inline-block;
  background: var(--accent);
  color: var(--white); text-decoration: none;
  padding: 8px 22px; font-size: 13px; font-weight: 700;
  border-radius: 4px;
  transition: background 0.18s;
}
.btn-more:hover { background: var(--accent-hover); }

.partner-right {
  display: flex; flex-direction: column; justify-content: center;
}

.partner-big-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(28px, 4vw, 52px);
  font-weight: 700; line-height: 1.15;
  color: var(--primary); text-align: right;
}

/* ===== 3 CARDS ===== */
.cards-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.card {
  background: var(--cream);
  border-radius: 6px;
  padding: 36px 28px;
  text-align: center;
  border: 1px solid var(--border);
}
.card h3 {
  font-family: 'Merriweather', serif;
  font-size: 20px; font-weight: 700;
  color: var(--primary); margin-bottom: 14px;
}
.card p {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.8; margin-bottom: 24px;
}

/* ===== VORTEILE ===== */
.vorteile { background: var(--cream2); }

.vorteile-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.vorteil h4 {
  font-size: 16px; font-weight: 700;
  color: var(--primary); margin-bottom: 8px;
}
.vorteil p {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.8;
}

/* ===== FULL IMAGE DIVIDER ===== */
.img-divider {
  height: 320px;
  background: var(--box);
  display: flex; align-items: center; justify-content: center;
  color: var(--text-muted); font-size: 13px;
  letter-spacing: 0.15em; text-transform: uppercase;
  position: relative; overflow: hidden;
}
.img-divider-overlay { display: none; }

/* ===== GOOGLE BEWERTUNGEN ===== */
.bewertungen {
  background: var(--bg-bewertung);
  padding: 64px 40px;
}

.bewertungen-header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 40px; flex-wrap: wrap; gap: 16px;
}

.bewertungen-google {
  display: flex; align-items: center; gap: 16px;
}

.google-g {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; font-weight: 700;
  background: linear-gradient(135deg, #4285F4 0%, #EA4335 33%, #FBBC05 66%, #34A853 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  box-shadow: 0 1px 4px rgba(0,0,0,0.12);
  border: 1px solid var(--border);
  flex-shrink: 0;
}

.bewertungen-score {
  font-size: 22px; font-weight: 700; color: var(--primary);
  display: flex; align-items: center; gap: 8px;
}
.stars { color: #F4B400; font-size: 18px; }
.bewertungen-count {
  font-size: 12px; color: var(--text-muted); margin-top: 2px;
}

.bewertungen-link {
  font-size: 13px; color: var(--accent);
  text-decoration: none; font-weight: 500;
  transition: color 0.15s;
}
.bewertungen-link:hover { color: var(--accent-hover); text-decoration: underline; }

.karussell-wrap {
  display: flex; align-items: center; gap: 12px;
}

.karussell-btn {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 50%; width: 40px; height: 40px; flex-shrink: 0;
  font-size: 22px; color: var(--primary); cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.15s, border-color 0.15s;
  box-shadow: 0 1px 4px rgba(0,0,0,0.08);
}
.karussell-btn:hover { background: var(--box); border-color: var(--accent); }

.karussell-viewport {
  flex: 1; overflow: hidden;
}

.karussell-track {
  display: flex; gap: 20px;
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
}

.bewertung-card {
  flex: 0 0 calc((100% - 40px) / 3);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px; padding: 24px;
  display: flex; flex-direction: column; gap: 14px;
  box-shadow: 0 2px 8px rgba(29,43,67,0.06);
}

.bew-stars { color: #F4B400; font-size: 16px; letter-spacing: 2px; }

.bew-text {
  font-size: 15px; color: var(--text-mid);
  line-height: 1.8; flex: 1;
  font-style: italic;
}

.bew-author {
  display: flex; align-items: center; gap: 12px;
  margin-top: auto;
}

.bew-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--primary); color: var(--white);
  font-size: 15px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.bew-name { font-size: 14px; font-weight: 700; color: var(--primary); }
.bew-date { font-size: 12px; color: var(--text-muted); }

.karussell-dots {
  display: flex; justify-content: center; gap: 6px; margin-top: 20px;
}
.karussell-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--border); cursor: pointer;
  transition: background 0.2s, transform 0.2s;
}
.karussell-dot.active {
  background: var(--primary); transform: scale(1.2);
}

/* Skeleton loader */
@keyframes shimmer {
  0% { background-position: -400px 0; }
  100% { background-position: 400px 0; }
}
.bew-skeleton {
  background: linear-gradient(90deg, var(--border) 25%, var(--cream) 50%, var(--border) 75%);
  background-size: 800px 100%;
  animation: shimmer 1.4s infinite;
  border-radius: 4px;
}
.bew-skel-stars { height: 16px; width: 90px; margin-bottom: 14px; }
.bew-skel-text { height: 12px; width: 100%; margin-bottom: 8px; }
.bew-skel-text.short { width: 65%; }
.bew-skel-author { height: 36px; width: 160px; margin-top: 14px; border-radius: 18px; }

/* ===== ARBEITSWEISE ===== */
.arbeitsweise { background: var(--white); }

.arbeitsweise-layout {
  display: grid; grid-template-columns: 280px 1fr;
  gap: 64px; align-items: start; margin-bottom: 72px;
}

.arbeitsweise-img {
  width: 100%;
  aspect-ratio: 3/4;
  background: linear-gradient(145deg, #b0b8c8 0%, #8a98b0 100%);
  border-radius: 4px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.4); font-size: 12px;
  letter-spacing: 0.12em; text-transform: uppercase;
  text-align: center; padding: 20px;
}

.arbeitsweise-text p { font-size: 15px; color: var(--text-mid); line-height: 1.8; margin-bottom: 16px; }
.arbeitsweise-text strong { color: var(--primary); }
.arbeitsweise-hinweis {
  font-size: 15px; color: var(--primary);
  line-height: 1.8; margin-bottom: 16px;
  background: var(--box);
  border-left: 3px solid var(--accent);
  padding: 12px 16px;
  border-radius: 0 6px 6px 0;
}

/* ===== 3 SCHRITTE ===== */
.schritte-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(22px, 3vw, 36px);
  font-weight: 700; color: var(--primary);
  text-align: center; margin-bottom: 48px;
}

.schritte-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.schritt { text-align: center; }
.schritt-icon {
  font-size: 32px; margin-bottom: 16px; display: block;
  color: var(--accent);
}
.schritt h3 {
  font-family: 'Merriweather', serif;
  font-size: 20px; font-weight: 700;
  color: var(--primary); margin-bottom: 12px;
}
.schritt p {
  font-size: 15px; color: var(--text-muted); line-height: 1.8;
}

/* ===== SERVICE / APP ===== */
.service { background: var(--cream); }

.service-layout {
  display: grid; grid-template-columns: 1fr 340px;
  gap: 64px; align-items: center;
}

.service-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(24px, 3.5vw, 40px);
  font-weight: 700; color: var(--primary);
  margin-bottom: 20px; line-height: 1.2;
}

.service-badge {
  display: inline-block;
  background: var(--accent);
  color: var(--white);
  font-size: 11px; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  padding: 5px 14px; border-radius: 20px;
  margin-bottom: 16px;
}

.service-text {
  font-size: 15px; color: var(--text-mid);
  line-height: 1.8; margin-bottom: 24px;
}

.service-bullets {
  list-style: none; display: flex; flex-direction: column; gap: 10px;
  margin-bottom: 24px;
}
.service-bullets li {
  font-size: 14px; color: var(--text-muted);
  display: flex; gap: 10px; align-items: flex-start;
}
.service-bullets li::before {
  content: '▸'; color: var(--accent); flex-shrink: 0; margin-top: 1px;
}

.service-img {
  background: linear-gradient(135deg, #c8d4e8 0%, #a8b8d8 100%);
  border-radius: 12px;
  height: 360px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(60,80,120,0.5); font-size: 12px;
  letter-spacing: 0.12em; text-transform: uppercase;
  text-align: center; padding: 20px;
}

/* ===== SCHADENFALL ===== */
.schadenfall { background: var(--white); }

.schaden-text {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.8; max-width: 760px;
  margin-bottom: 16px;
}

.schaden-list {
  counter-reset: schaden;
  list-style: none; max-width: 760px;
  display: flex; flex-direction: column; gap: 16px;
  margin-bottom: 48px;
}
.schaden-list li {
  counter-increment: schaden;
  display: flex; gap: 16px;
  font-size: 15px; color: var(--text-mid); line-height: 1.75;
}
.schaden-list li::before {
  content: counter(schaden) '.';
  font-weight: 700; color: var(--accent);
  min-width: 24px; flex-shrink: 0;
}
.schaden-list strong { color: var(--primary); }

/* ===== OBJEKTIVITAET ===== */
.objektivitaet { background: var(--cream); padding-top: 64px; }
.objektivitaet .section-title { margin-bottom: 12px; }

.obj-text {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.8; max-width: 820px;
  margin-bottom: 20px;
}
.obj-text strong { color: var(--primary); }

/* ===== THEMEN PAGES (Sachversicherungen, Vorsorge, Baufinanzierung) ===== */
.thema-section { background: var(--white); }
.thema-section:nth-of-type(even) { background: var(--cream); }

.thema-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
.thema-layout.reverse { direction: rtl; }
.thema-layout.reverse > * { direction: ltr; }

.thema-img {
  width: 100%; aspect-ratio: 4/3;
  border-radius: 6px; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; letter-spacing: 0.12em; text-transform: uppercase;
  color: rgba(255,255,255,0.35);
}

.thema-img-house {
  background: linear-gradient(135deg, #d0c8b8 0%, #b0a898 100%);
  color: rgba(80,70,60,0.4);
}
.thema-img-people {
  background: linear-gradient(135deg, #b0c8d0 0%, #8aaab8 100%);
  color: rgba(40,70,80,0.4);
}
.thema-img-green {
  background: linear-gradient(135deg, #b0c8a0 0%, #8aaa78 100%);
  color: rgba(40,70,30,0.4);
}

.thema-text p {
  font-size: 15px; color: var(--text-mid);
  line-height: 1.8; margin-bottom: 14px;
}
.thema-text strong { color: var(--primary); }

.thema-icons {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px; margin-top: 32px;
}
.thema-icon-item { text-align: center; }
.thema-icon-item .icon { font-size: 24px; margin-bottom: 10px; display: block; }
.thema-icon-item h4 {
  font-family: 'Merriweather', serif;
  font-size: 15px; font-weight: 700;
  color: var(--primary); margin-bottom: 8px;
}
.thema-icon-item p {
  font-size: 13px; color: var(--text-muted); line-height: 1.7;
}

/* ===== VERSICHERUNGSSUMME ===== */
.versumme { background: var(--white); }
.versumme h2 { margin-bottom: 24px; }
.versumme h3 {
  font-size: 17px; font-weight: 700; color: var(--primary);
  margin: 28px 0 10px;
}
.versumme p {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.8; max-width: 820px;
  margin-bottom: 12px;
}
.versumme strong { color: var(--primary); }

/* ===== BU SECTION ===== */
.bu { background: var(--cream); }
.bu h2 { margin-bottom: 24px; }
.bu h3 {
  font-size: 17px; font-weight: 700; color: var(--primary);
  margin: 28px 0 10px;
}
.bu p {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.8; max-width: 820px; margin-bottom: 12px;
}
.bu strong { color: var(--primary); }
.bu ul {
  padding-left: 20px; max-width: 820px;
  display: flex; flex-direction: column; gap: 8px;
  margin-bottom: 16px;
}
.bu ul li { font-size: 14px; color: var(--text-muted); line-height: 1.7; }

/* ===== VORSORGE SECTION ===== */
.vorsorge-section { background: var(--white); }

.vorsorge-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center; margin-bottom: 56px;
}

.vorsorge-img {
  background: linear-gradient(135deg, #c0c8d8 0%, #a0a8c0 100%);
  width: 100%; aspect-ratio: 4/3;
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(60,80,120,0.4); font-size: 12px;
  letter-spacing: 0.12em; text-transform: uppercase;
}

.vorsorge-text p {
  font-size: 15px; color: var(--text-mid);
  line-height: 1.8; margin-bottom: 14px;
}
.vorsorge-text strong { color: var(--primary); }

.vorsorge-themen {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.vorsorge-thema { text-align: center; }
.vorsorge-thema .icon { font-size: 28px; margin-bottom: 12px; display: block; }
.vorsorge-thema h4 {
  font-family: 'Merriweather', serif;
  font-size: 18px; font-weight: 700;
  color: var(--primary); margin-bottom: 10px;
}
.vorsorge-thema p {
  font-size: 13px; color: var(--text-muted); line-height: 1.7;
}

/* ===== BAUFINANZIERUNG SECTION ===== */
.baufin { background: var(--cream); }

.baufin-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center; margin-bottom: 56px;
}

.baufin-img {
  background: linear-gradient(135deg, #d8ccc0 0%, #c0b0a0 100%);
  width: 100%; aspect-ratio: 4/3;
  border-radius: 6px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(80,60,40,0.4); font-size: 12px;
  letter-spacing: 0.12em; text-transform: uppercase;
}

.baufin-text p {
  font-size: 15px; color: var(--text-mid);
  line-height: 1.8; margin-bottom: 14px;
}
.baufin-text strong { color: var(--primary); }

.baufin-steps {
  list-style: none; max-width: 760px;
  display: flex; flex-direction: column; gap: 14px;
  margin-bottom: 32px;
}
.baufin-steps li {
  font-size: 15px; color: var(--text-mid); line-height: 1.75;
  display: flex; gap: 12px;
}
.baufin-steps li strong { color: var(--primary); }
.baufin-steps li::before {
  content: '✓'; color: var(--accent); font-weight: 700; flex-shrink: 0;
}

.zinssicherheit { margin-top: 56px; }
.zinssicherheit .section-title { font-size: 28px; margin-bottom: 16px; }
.zinssicherheit p {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.8; max-width: 820px;
}
.zinssicherheit strong { color: var(--primary); }

/* ===== KONTAKT ===== */
.kontakt { background: var(--white); }

.kontakt-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px;
}

.kontakt-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(24px, 3.5vw, 38px);
  font-weight: 700; color: var(--primary);
  margin-bottom: 16px; line-height: 1.2;
}

.kontakt-sub {
  font-size: 15px; color: var(--text-muted);
  line-height: 1.75; margin-bottom: 32px;
}

.kontakt-address {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 6px; padding: 24px 28px;
  margin-bottom: 32px;
}
.kontakt-address p {
  font-size: 14px; color: var(--text-mid);
  line-height: 1.9;
}
.kontakt-address strong { color: var(--primary); }
.kontakt-address a { color: var(--accent); text-decoration: none; }
.kontakt-address a:hover { text-decoration: underline; }

.kontakt-icons {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 16px; margin-bottom: 32px;
}
.kontakt-icon-item { text-align: center; }
.kontakt-icon-item .icon { font-size: 28px; margin-bottom: 8px; display: block; }
.kontakt-icon-item p {
  font-size: 12px; color: var(--text-muted); line-height: 1.5;
}

.kontakt-prep-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.kontakt-prep-col h4 {
  font-size: 15px; font-weight: 700; color: var(--primary);
  margin-bottom: 16px;
}

.kontakt-prep-col p {
  font-size: 14px; color: var(--text-muted);
  line-height: 1.8; margin-bottom: 10px;
}

.kontakt-check-list {
  list-style: none; display: flex; flex-direction: column; gap: 8px;
}
.kontakt-check-list li {
  font-size: 14px; color: var(--text-muted);
  display: flex; gap: 8px; line-height: 1.6;
}
.kontakt-check-list li::before {
  content: '✓'; color: var(--accent); font-weight: 700; flex-shrink: 0;
}

/* ===== FOOTER ===== */
footer {
  background: var(--footer-menu-bg);
  padding: 56px 40px 28px;
  color: var(--text-muted);
}

.footer-grid {
  display: grid; grid-template-columns: 200px 1fr 1fr 1fr;
  gap: 48px; margin-bottom: 40px;
}

.footer-logo {
  display: flex; flex-direction: column; align-items: flex-start; gap: 8px;
}
.footer-logo-icon {
  width: 40px; height: 40px;
  border: 2px solid var(--primary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700; color: var(--primary);
}
.footer-logo-name {
  font-size: 13px; color: var(--primary);
  line-height: 1.4; font-weight: 700;
}

.footer-col h4 {
  font-size: 13px; font-weight: 700; color: var(--primary);
  letter-spacing: 0.05em; margin-bottom: 16px;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-links a {
  font-size: 13px; color: var(--text-muted);
  text-decoration: none; transition: color 0.15s;
}
.footer-links a:hover { color: var(--accent); }

.footer-social {
  display: flex; gap: 12px; align-items: center; margin-bottom: 16px;
}
.footer-social a {
  display: flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 8px;
  background: var(--box);
  border: 1px solid var(--border);
  text-decoration: none;
  transition: background 0.15s, border-color 0.15s, transform 0.15s;
}
.footer-social a:hover {
  background: var(--primary);
  border-color: var(--primary);
  transform: translateY(-2px);
}
.footer-social a:hover img { filter: brightness(0) invert(1); }
.footer-social img { width: 18px; height: 18px; display: block; }

.footer-kontakt p {
  font-size: 13px; color: var(--text-muted);
  line-height: 1.9;
}

.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  font-size: 12px; color: var(--text-muted);
}

/* ===== RUFNUMMERN ===== */
.rufnummern-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 16px;
}
.rufnummer-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 20px 22px;
  transition: box-shadow 0.2s;
}
.rufnummer-card:hover { box-shadow: 0 4px 16px rgba(29,43,67,0.1); }
.rufnummer-card--highlight { border-color: var(--border); }
.rufnummer-name {
  font-size: 16px; font-weight: 700; color: var(--primary);
  margin-bottom: 12px; padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}
.rufnummer-row {
  display: flex; justify-content: space-between; align-items: center;
  gap: 8px; padding: 5px 0;
}
.rufnummer-label { font-size: 13px; color: var(--text-muted); }
.rufnummer-tel {
  font-size: 15px; font-weight: 700; color: var(--primary);
  text-decoration: none; white-space: nowrap;
  transition: color 0.15s;
}
.rufnummer-tel:hover { color: var(--accent); }

/* ===== TIPPS ===== */
.tipps-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.tipps-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 12px; padding: 32px 28px;
}
.tipps-card--highlight {
  background: var(--box); border-color: var(--accent);
}
.tipps-icon { font-size: 32px; margin-bottom: 16px; display: block; }
.tipps-title {
  font-family: 'Merriweather', serif;
  font-size: 18px; font-weight: 700; color: var(--primary);
  margin-bottom: 16px;
}
.tipps-list {
  list-style: none; display: flex; flex-direction: column; gap: 10px;
}
.tipps-list li {
  font-size: 15px; color: var(--text-mid); line-height: 1.8;
  display: flex; gap: 10px; align-items: flex-start;
}
.tipps-list li::before {
  content: '→'; color: var(--accent); font-weight: 700;
  flex-shrink: 0; margin-top: 1px;
}

/* ===== RECHNER ===== */
.rechner-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.rechner-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 12px; padding: 28px 24px;
}
.rechner-icon { font-size: 28px; margin-bottom: 12px; display: block; }
.rechner-title {
  font-family: 'Merriweather', serif;
  font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 10px;
}
.rechner-text { font-size: 14px; color: var(--text-muted); line-height: 1.75; margin-bottom: 16px; }
.rechner-iframe-placeholder {
  background: var(--cream); border: 2px dashed var(--border);
  border-radius: 8px; padding: 20px; text-align: center;
  font-size: 12px; color: var(--text-muted); letter-spacing: 0.1em;
  text-transform: uppercase;
}

@media (max-width: 768px) {
  .tipps-grid { grid-template-columns: 1fr; }
  .rechner-grid { grid-template-columns: 1fr; }
  .rufnummern-grid { grid-template-columns: 1fr; }
  .app-section { grid-template-columns: 1fr !important; }
  .hausrat-section { grid-template-columns: 1fr !important; }
  .hausrat-section > div:last-child { display: none; }
}

/* ===== IMPRESSUM / DATENSCHUTZ ===== */
.legal-section { background: var(--white); }
.legal-section h2 { font-size: 18px; font-weight: 700; color: var(--primary); margin: 28px 0 10px; }
.legal-section h2:first-child { margin-top: 0; }
.legal-section p {
  font-size: 15px; color: var(--text-mid);
  line-height: 1.8; margin-bottom: 12px; max-width: 760px;
}
.legal-section a { color: var(--accent); }

/* pages are individual HTML files */

/* ===== HAMBURGER BUTTON ===== */
.nav-hamburger {
  display: none;
  flex-direction: column; justify-content: center; align-items: center;
  width: 36px; height: 36px; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
  border-radius: 8px; transition: background 0.15s;
}
.nav-hamburger:hover { background: rgba(29,43,67,0.08); }
.nav-hamburger span {
  display: block; width: 20px; height: 2px;
  background: var(--primary); border-radius: 2px;
  transition: transform 0.25s, opacity 0.25s;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== MOBILE MENU OVERLAY ===== */
.mobile-menu {
  display: none;
  position: fixed; inset: 0; z-index: 190;
  background: var(--white);
  padding: 88px 32px 40px;
  flex-direction: column; gap: 4px;
  overflow-y: auto;
}
.mobile-menu.open { display: flex; }

.mobile-menu a {
  display: block; padding: 14px 16px;
  font-size: 18px; font-weight: 400;
  color: var(--primary); text-decoration: none;
  border-radius: 8px; transition: background 0.15s;
}
.mobile-menu a:hover { background: var(--box); }

.mobile-menu-section {
  font-size: 11px; font-weight: 700; letter-spacing: 0.15em;
  text-transform: uppercase; color: var(--text-muted);
  padding: 20px 16px 8px;
}

.mobile-menu-divider {
  height: 1px; background: var(--border); margin: 8px 0;
}

.mobile-menu-cta {
  margin-top: 16px;
  background: var(--primary) !important;
  color: var(--white) !important;
  text-align: center;
  border-radius: 999px !important;
  font-weight: 700 !important;
}

/* ===== MOBILE ===== */
@media (max-width: 900px) {
  .nav-wrapper { width: calc(100% - 32px); top: 12px; }
  .nav-center { display: none; }
  .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
}

@media (max-width: 768px) {
  section { padding: 48px 20px; }

  /* Hero */
  .hero-text-block { padding: 40px 20px 28px; }
  .hero-img { height: 240px; }

  /* Layouts → single column */
  .partner-layout,
  .arbeitsweise-layout,
  .thema-layout,
  .kontakt-layout,
  .service-layout,
  .vorsorge-layout,
  .baufin-layout,
  .kontakt-prep-grid { grid-template-columns: 1fr; gap: 28px; }

  /* Grids → single column */
  .cards-grid,
  .schritte-grid,
  .vorteile-grid,
  .thema-icons,
  .vorsorge-themen { grid-template-columns: 1fr; gap: 20px; }

  /* Karussell → 1 card */
  .bewertung-card { flex: 0 0 100%; }

  /* Kontakt icons keep 3 cols */
  .kontakt-icons { grid-template-columns: repeat(3, 1fr); }

  /* Partner right title smaller */
  .partner-big-title { font-size: 28px; text-align: left; }
  .partner-layout { gap: 28px; }

  /* Service image smaller */
  .service-img { height: 220px; }
  .service-layout { grid-template-columns: 1fr; }

  /* Baufinanzierung icons */
  .thema-icons { grid-template-columns: 1fr; }

  /* Bewertungen header stack */
  .bewertungen-header { flex-direction: column; align-items: flex-start; gap: 12px; }
  .bewertungen { padding: 40px 20px; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  footer { padding: 40px 20px 20px; }

  /* Legal pages */
  .legal-section { padding: 80px 20px 48px !important; }

  /* Reverse layout fix */
  .thema-layout.reverse { direction: ltr; }

  /* Arbeitsweise photo */
  .arbeitsweise-layout img { aspect-ratio: 4/3; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; gap: 20px; }
  .hero-title { font-size: 28px; }
  .section-title { font-size: 24px; }
  .cards-grid { grid-template-columns: 1fr; }
}

/* ===== WARUM VERSICHERUNGSMAKLER ===== */
.warum {
  background: var(--box);
  padding: 0 0 72px 0;
}

.warum-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  padding: 56px 40px 48px;
  background: var(--box);
  overflow: hidden;
}

.warum-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(28px, 5vw, 64px);
  font-weight: 700;
  color: var(--primary);
  line-height: 1.1;
  overflow-wrap: break-word;
  word-break: break-word;
  hyphens: auto;
}

.warum-quote {
  font-size: 16px;
  font-style: italic;
  color: var(--primary);
  line-height: 1.75;
  opacity: 0.8;
}

.warum-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  padding: 0 40px;
}

.warum-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.warum-item {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 14px 24px;
  font-size: 16px;
  font-weight: 400;
  color: var(--primary);
  transition: box-shadow 0.2s;
}

.warum-item:hover {
  box-shadow: 0 2px 12px rgba(29,43,67,0.1);
}

.warum-dot {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--primary);
  flex-shrink: 0;
}

.warum-img {
  height: 420px;
  border-radius: 12px;
  overflow: hidden;
}

@media (max-width: 768px) {
  .warum-header { grid-template-columns: 1fr; padding: 40px 20px 32px; }
  .warum-body { grid-template-columns: 1fr; padding: 0 20px; }
  .warum-img { height: 260px; }
}