:root{
  --bg:#F5F6F8; --bg-2:#FFFFFF; --bg-3:#E9ECF1; --ink:#0B1F3A; --ink-2:#3A4B66; --ink-3:#6B7A90;
  --line:#D5DAE1; --accent:#0B1F3A; --accent-ink:#FFFFFF; --accent-soft:#E9ECF1;
  --ok:#2F6B4F; --err:#A93A3A;
  --hero-bg:#0B1F3A; --hero-bg-2:#16304F; --hero-ink:#E9ECF1; --hero-ink-2:#A9B4C4; --hero-line:#243B5C; --hero-accent:#A9B4C4;
  --radius:6px; --max:1160px;
  --display:"Manrope","Segoe UI",Helvetica,Arial,sans-serif;
  --body:"Manrope","Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    color-scheme:dark;
    --bg:#0B1F3A; --bg-2:#16304F; --bg-3:#12284A; --ink:#E9ECF1; --ink-2:#A9B4C4; --ink-3:#7E8DA3;
    --line:#243B5C; --accent:#E9ECF1; --accent-ink:#0B1F3A; --accent-soft:#1B3559;
    --ok:#7FC8A4; --err:#E58A8A;
  }
}
:root[data-theme="dark"]{
  color-scheme:dark;
  --bg:#0B1F3A; --bg-2:#16304F; --bg-3:#12284A; --ink:#E9ECF1; --ink-2:#A9B4C4; --ink-3:#7E8DA3;
  --line:#243B5C; --accent:#E9ECF1; --accent-ink:#0B1F3A; --accent-soft:#1B3559;
  --ok:#7FC8A4; --err:#E58A8A;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto} *{animation:none!important;transition:none!important}}
a{color:inherit}
img{max-width:100%}
h1,h2,h3,h4{font-family:var(--display);line-height:1.08;margin:0;text-wrap:balance;font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(34px,4.8vw,58px);letter-spacing:-.02em}
h2{font-size:clamp(28px,3.4vw,40px)}
h3{font-size:21px}
p{margin:0}
.wrap{max-width:var(--max);margin-inline:auto;padding-inline:20px}
.eyebrow{font-family:var(--display);text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:700;color:var(--ink-3)}
.lead{font-size:20px;color:var(--ink-2);max-width:62ch}
.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--display);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;padding:14px 22px;border-radius:var(--radius);border:1px solid transparent;cursor:pointer;text-decoration:none;transition:transform .12s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,button:focus-visible,a:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.btn-primary{background:var(--accent);color:var(--accent-ink)}
.btn-ghost{background:transparent;color:inherit;border-color:currentColor}
section{padding-block:88px}
@media (max-width:720px){section{padding-block:60px}}
.grid{display:grid;gap:24px}

/* Header */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--hero-bg);color:var(--hero-ink);border-bottom:1px solid var(--hero-line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:68px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:inherit}
.logo .wm{font-family:var(--display);font-size:19px;line-height:1;white-space:nowrap;text-transform:uppercase}
.logo .wm b{font-weight:800;letter-spacing:.14em}
.logo .wm em{font-style:normal;font-weight:300;letter-spacing:.24em;color:var(--hero-ink)}
nav.main{display:flex;gap:26px;font-family:var(--display);font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase}
nav.main a{text-decoration:none;color:var(--hero-ink-2)}
nav.main a:hover{color:var(--hero-ink)}
.top .phone{font-family:var(--display);font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--hero-ink);text-decoration:none;white-space:nowrap;flex:none;border:1px solid var(--hero-ink);padding:10px 14px;border-radius:var(--radius)}
@media (max-width:900px){nav.main{display:none}}
@media (max-width:420px){.logo .wm{font-size:15px}.top .phone{font-size:11px;padding:8px 10px}}

/* Hero */
.hero{background:var(--hero-bg);color:var(--hero-ink);padding-block:72px 80px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:
  repeating-linear-gradient(0deg,transparent 0 46px,rgba(255,255,255,.025) 46px 47px);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:start}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}}
.hero h1 span{color:var(--hero-accent)}
.hero .lead{color:var(--hero-ink-2);margin-top:22px}
.hero .eyebrow{color:var(--hero-ink-2);margin-bottom:18px}
.hero .cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.hero .btn-primary{background:var(--hero-ink);color:var(--hero-bg)}
.hero .card .btn-primary{background:var(--accent);color:var(--accent-ink);width:100%;justify-content:center}
.hero .btn-ghost{color:var(--hero-ink);border-color:var(--hero-line)}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:44px;padding-top:28px;border-top:1px solid var(--hero-line)}
.facts div b{display:block;font-family:var(--display);font-size:26px;font-weight:800;color:var(--hero-ink);font-variant-numeric:tabular-nums}
.facts div span{font-size:14px;color:var(--hero-ink-2);letter-spacing:.02em}
@media (max-width:520px){.facts{grid-template-columns:1fr 1fr}}

/* Quick form card */
.card{background:var(--bg-2);color:var(--ink);border:1px solid var(--line);border-radius:10px;padding:28px}
.card h3{font-size:22px}
.card .sub{color:var(--ink-2);font-size:15px;margin-top:6px;margin-bottom:18px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-family:var(--display);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-2);font-weight:700}
input,select,textarea{font:inherit;font-size:16px;padding:11px 12px;border:1px solid var(--line);border-radius:var(--radius);background:var(--bg);color:var(--ink);width:100%}
textarea{min-height:110px;resize:vertical}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:520px){.row{grid-template-columns:1fr}}
form .stack{display:grid;gap:14px}
.note{font-size:13px;color:var(--ink-3);margin-top:12px}
.msg{margin-top:14px;padding:12px 14px;border-radius:var(--radius);font-size:15px;display:none}
.msg.ok{display:block;background:var(--accent-soft);color:var(--ink);border:1px solid var(--ok)}
.msg.err{display:block;background:transparent;color:var(--err);border:1px solid var(--err)}

/* Trust bar */
.trust{background:var(--bg-3);padding-block:22px;border-block:1px solid var(--line)}
.trust .wrap{display:flex;flex-wrap:wrap;gap:12px 40px;justify-content:space-between;font-family:var(--display);font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-2)}
.trust .wrap span{display:flex;align-items:center;gap:10px}
.trust svg{width:18px;height:18px;color:var(--ink-3)}

/* Services */
.services{grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){.services{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.services{grid-template-columns:1fr}}
.svc{padding:26px;border:1px solid var(--line);border-radius:10px;background:var(--bg-2);display:flex;flex-direction:column;gap:12px}
.svc.hi{border-color:var(--ink);background:var(--bg-2)}
.svc .ico{width:38px;height:38px;color:var(--ink-3)}
.svc p{color:var(--ink-2);font-size:16px}
.svc ul{margin:4px 0 0;padding-left:18px;color:var(--ink-2);font-size:15px}
.section-head{max-width:70ch;margin-bottom:40px;display:grid;gap:14px}

/* Process */
.process{background:var(--hero-bg);color:var(--hero-ink)}
.process .eyebrow{color:var(--hero-ink-2)}
.process .lead{color:var(--hero-ink-2)}
.steps{grid-template-columns:repeat(4,1fr);counter-reset:step}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}
.step{border-top:2px solid var(--hero-line);padding-top:18px;position:relative}
.step::before{counter-increment:step;content:"0" counter(step);font-family:var(--display);font-size:36px;font-weight:800;color:var(--hero-ink-2);line-height:1;display:block;margin-bottom:10px;font-variant-numeric:tabular-nums}
.step h3{color:var(--hero-ink);font-size:19px}
.step p{color:var(--hero-ink-2);font-size:16px;margin-top:8px}

/* Why */
.why .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media (max-width:900px){.why .wrap{grid-template-columns:1fr}}
.why ul.checks{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:14px}
.why ul.checks li{display:flex;gap:14px;align-items:flex-start;font-size:17px}
.why ul.checks svg{flex:none;width:22px;height:22px;color:var(--ink);margin-top:3px}
.quote{border-left:3px solid var(--ink);padding:6px 0 6px 22px;font-size:20px;font-family:var(--display);font-weight:500;line-height:1.35;letter-spacing:-.01em}
.quote small{display:block;font-family:var(--body);font-size:15px;color:var(--ink-2);margin-top:10px;letter-spacing:0}
.who{grid-template-columns:1fr 1fr}
@media (max-width:720px){.who{grid-template-columns:1fr}}
.who .svc h3{font-size:22px}

/* Insurance */
.ins{background:var(--bg-3)}
.ins .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
@media (max-width:900px){.ins .wrap{grid-template-columns:1fr}}
.ins table{width:100%;min-width:0;table-layout:auto;border-collapse:collapse;font-size:16px;background:var(--bg-2);border:1px solid var(--line);border-radius:10px;overflow:hidden}
.ins th,.ins td{text-align:left;padding:12px 16px;border-bottom:1px solid var(--line);vertical-align:top}
.ins th{font-family:var(--display);letter-spacing:.08em;text-transform:uppercase;font-size:11px;font-weight:700;color:var(--ink-2);background:var(--bg-3)}
.ins tr:last-child td{border-bottom:0}
.tablewrap{overflow-x:auto;min-width:0}
.ins .wrap>*{min-width:0}

/* FAQ */
details{border-top:1px solid var(--line);padding:18px 0}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-family:var(--display);font-size:18px;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--ink-3);font-size:28px;font-weight:500;flex:none}
details[open] summary::after{content:"–"}
details p{margin-top:12px;color:var(--ink-2);max-width:70ch}
.faq .wrap{max-width:860px}

/* Contact */
.contact{background:var(--hero-bg);color:var(--hero-ink)}
.contact .wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
@media (max-width:900px){.contact .wrap{grid-template-columns:1fr}}
.contact .eyebrow{color:var(--hero-ink-2)}
.contact .lead{color:var(--hero-ink-2)}
.contact-list{display:grid;gap:18px;margin-top:30px}
.contact-list div{display:grid;gap:4px}
.contact-list b{font-family:var(--display);letter-spacing:.12em;text-transform:uppercase;font-size:11px;color:var(--hero-ink-2);font-weight:700}
.contact-list span{font-size:17px;color:var(--hero-ink)}
.contact .card{padding:30px}
fieldset{border:0;padding:0;margin:0;display:grid;gap:14px}
legend{font-family:var(--display);font-size:17px;font-weight:700;margin-bottom:8px;padding:0}
.checks-inline{display:flex;flex-wrap:wrap;gap:10px}
.checks-inline label{display:flex;align-items:center;gap:8px;border:1px solid var(--line);padding:8px 12px;border-radius:999px;font-size:15px;cursor:pointer;background:var(--bg)}
.checks-inline input{width:auto;padding:0;margin:0}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--ink-2)}
.consent input{width:auto;margin-top:4px}

/* Footer */
footer{background:var(--hero-bg);color:var(--hero-ink-2);border-top:1px solid var(--hero-line);padding-block:36px;font-size:14px}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px 30px;align-items:center}
footer nav{display:flex;flex-wrap:wrap;gap:18px}
footer a{color:var(--hero-ink-2);text-decoration:none}
footer a:hover{color:var(--hero-ink)}
.legal{display:none;padding-block:60px}
.legal:target{display:block}
.legal .wrap{max-width:800px}
.legal h2{margin-bottom:16px}
.legal p{margin-bottom:12px;color:var(--ink-2)}

/* --- Unterseiten --- */
.page-hero{background:var(--hero-bg);color:var(--hero-ink);padding-block:64px 56px}
.page-hero .eyebrow{color:var(--hero-ink-2);margin-bottom:16px}
.page-hero h1{max-width:20ch}
.page-hero .lead{color:var(--hero-ink-2);margin-top:20px}
.page-hero .cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.page-hero .btn-primary{background:var(--hero-ink);color:var(--hero-bg)}
.page-hero .btn-ghost{color:var(--hero-ink);border-color:var(--hero-line)}
.prose{max-width:72ch}
.prose h2{margin:44px 0 14px}
.prose h3{margin:28px 0 10px;font-size:19px}
.prose p{margin:0 0 14px;color:var(--ink-2)}
.prose ul{margin:0 0 16px;padding-left:20px;color:var(--ink-2)}
.prose li{margin-bottom:6px}
.prose a{color:var(--ink);text-decoration:underline;text-underline-offset:3px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.sticky{position:sticky;top:calc(84px + env(safe-area-inset-top,0px))}
.links{grid-template-columns:repeat(3,1fr)}
@media (max-width:800px){.links{grid-template-columns:1fr}}
.links a.svc{text-decoration:none;color:inherit}
.links a.svc:hover{border-color:var(--ink)}
.links .svc span{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3)}
.crumbs{font-size:13px;color:var(--hero-ink-2);margin-bottom:18px}
.crumbs a{color:inherit;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.legal-page{padding-block:64px}
.legal-page .wrap{max-width:820px}
.legal-page h1{font-size:clamp(28px,3.4vw,40px);margin-bottom:24px}
.legal-page h2{font-size:20px;margin:32px 0 10px}
.legal-page p,.legal-page li{color:var(--ink-2)}
.legal-page ul{padding-left:20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--bg-2);color:var(--ink);padding:10px 14px;z-index:100}
.skip:focus{left:16px;top:16px}
.notfound{padding-block:120px;text-align:center}
/* Problem / Lösung */
.pas{background:var(--bg-2)}
.pas .wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px}
@media (max-width:800px){.pas .wrap{grid-template-columns:1fr}}
.pas .col{padding:28px;border:1px solid var(--line);border-radius:10px;background:var(--bg)}
.pas .col.solve{background:var(--hero-bg);color:var(--hero-ink);border-color:var(--hero-bg)}
.pas .col .eyebrow{margin-bottom:12px}
.pas .col.solve .eyebrow{color:var(--hero-ink-2)}
.pas h3{font-size:22px;margin-bottom:14px}
.pas ul{margin:0;padding-left:20px;display:grid;gap:8px;color:var(--ink-2)}
.pas .solve ul{color:var(--hero-ink-2)}
/* Trust-Zeile im Hero */
.trust-inline{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:22px;font-size:13px;color:var(--hero-ink-2);font-weight:600}
.trust-inline span::before{content:"✓";margin-right:6px;color:var(--hero-ink)}
/* Bewertungen (erscheinen erst, wenn in config.js echte Bewertungen eingetragen sind) */
.reviews{background:var(--bg-3)}
.reviews .grid{grid-template-columns:repeat(3,1fr)}
@media (max-width:800px){.reviews .grid{grid-template-columns:1fr}}
.review{background:var(--bg-2);border:1px solid var(--line);border-radius:10px;padding:24px;display:grid;gap:10px}
.review .stars{color:var(--ink);letter-spacing:2px;font-size:14px}
.review p{color:var(--ink-2);font-size:15px}
.review b{font-size:14px}
.review small{color:var(--ink-3)}
.rating-badge{display:inline-flex;gap:8px;align-items:center;font-size:13px;color:var(--hero-ink-2);margin-top:14px}
/* Abschluss-CTA */
.final-cta{background:var(--hero-bg);color:var(--hero-ink);padding-block:64px;border-top:1px solid var(--hero-line)}
.final-cta .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center}
@media (max-width:800px){.final-cta .wrap{grid-template-columns:1fr}}
.final-cta .eyebrow{color:var(--hero-ink-2)}
.final-cta .lead{color:var(--hero-ink-2);margin-top:12px}
.final-cta .cta{display:flex;flex-wrap:wrap;gap:12px;justify-content:flex-end}
@media (max-width:800px){.final-cta .cta{justify-content:flex-start}}
.final-cta .btn-primary{background:var(--hero-ink);color:var(--hero-bg)}
.final-cta .btn-ghost{color:var(--hero-ink);border-color:var(--hero-line)}
/* Footer */
footer{padding-block:48px 28px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;align-items:start}
@media (max-width:800px){.foot-grid{grid-template-columns:1fr}}
.foot-about p{margin:14px 0 0;max-width:52ch;line-height:1.55}
.foot-col{display:grid;gap:8px;font-size:14px}
.foot-col b{color:var(--hero-ink);font-size:12px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:4px}
.foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:36px;padding-top:18px;border-top:1px solid var(--hero-line);font-size:13px}
.social{display:flex;gap:12px;margin-top:16px}
.social a{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border:1px solid var(--hero-line);border-radius:6px;color:var(--hero-ink-2)}
.social a:hover{color:var(--hero-ink);border-color:var(--hero-ink)}
.social svg{width:18px;height:18px}
/* Sticky CTA mobil */
.sticky-cta{display:none}
@media (max-width:800px){
  .sticky-cta{display:grid;grid-template-columns:1.4fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:30;padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));background:var(--hero-bg);border-top:1px solid var(--hero-line)}
  .sticky-cta .btn{justify-content:center;padding:12px 10px;font-size:12px}
  .sticky-cta .btn-primary{background:var(--hero-ink);color:var(--hero-bg)}
  .sticky-cta .btn-ghost{color:var(--hero-ink);border-color:var(--hero-line)}
  body{padding-bottom:72px}
}