/* ==========================================================================
   OneFinancial – Stylesheet „Kanzlei-Dossier“
   Gestaltungsidee: gedruckter Schriftsatz / Geschäftsbericht einer Privatbank.
   § -Nummerierung, Randspalte, Rundbogen, Siegel, Merkblätter.
   Durchgehend helles Farbschema; alle Farben als semantische Tokens.
   ========================================================================== */

@font-face { font-family: "Newsreader"; font-weight: 400; font-style: normal; font-display: swap; src: url("../fonts/newsreader-v26-latin-regular.woff2") format("woff2"); }
@font-face { font-family: "Newsreader"; font-weight: 400; font-style: italic; font-display: swap; src: url("../fonts/newsreader-v26-latin-italic.woff2") format("woff2"); }
@font-face { font-family: "Newsreader"; font-weight: 500; font-style: normal; font-display: swap; src: url("../fonts/newsreader-v26-latin-500.woff2") format("woff2"); }
@font-face { font-family: "Newsreader"; font-weight: 500; font-style: italic; font-display: swap; src: url("../fonts/newsreader-v26-latin-500italic.woff2") format("woff2"); }
@font-face { font-family: "Instrument Sans"; font-weight: 400; font-style: normal; font-display: swap; src: url("../fonts/instrument-sans-v4-latin-regular.woff2") format("woff2"); }
@font-face { font-family: "Instrument Sans"; font-weight: 500; font-style: normal; font-display: swap; src: url("../fonts/instrument-sans-v4-latin-500.woff2") format("woff2"); }
@font-face { font-family: "Instrument Sans"; font-weight: 600; font-style: normal; font-display: swap; src: url("../fonts/instrument-sans-v4-latin-600.woff2") format("woff2"); }
@font-face { font-family: "IBM Plex Mono"; font-weight: 400; font-style: normal; font-display: swap; src: url("../fonts/ibm-plex-mono-v20-latin-regular.woff2") format("woff2"); }
@font-face { font-family: "IBM Plex Mono"; font-weight: 500; font-style: normal; font-display: swap; src: url("../fonts/ibm-plex-mono-v20-latin-500.woff2") format("woff2"); }

:root {
  /* Markenfarben (Briefing) */
  --navy: #14243A; --anthracite: #20262D; --ivory: #F8F6F1; --white: #FFFFFF; --gold: #B49B73; --grey: #72777D;

  /* Semantische Tokens – hell */
  --paper: #F8F6F1;          /* Seitengrund */
  --paper-2: #EFEADF;        /* abgesetzte Flächen */
  --surface: #FFFFFF;        /* Karten, Formulare */
  --ink: #14243A;            /* Überschriften, Primärflächen */
  --text: #20262D;           /* Fließtext */
  --muted: #5B6168;          /* Sekundärtext (≥ 4.5:1 auf paper) */
  --rule: rgba(20, 36, 58, .16);
  --rule-strong: rgba(20, 36, 58, .5);
  --accent: #B49B73;         /* Gold – nur Linien/Flächen */
  --accent-ink: #806A47;     /* Gold für Text auf hell */
  --on-ink: #F8F6F1;         /* Text auf ink */
  --deep: #EAE4D7;           /* abgesetzte Pergament-Sektionen */
  --on-deep: #14243A;
  --on-deep-muted: #4E5560;
  --rule-deep: rgba(20, 36, 58, .18);
  --c1: #14243A; --c2: #B49B73; --c3: #C9D0D9; --c4: #A9B1BB;
  --danger: #9A2F2F;
  --shadow: none;

  --serif: "Newsreader", "Libre Baskerville", Georgia, serif;
  --sans: "Instrument Sans", "Source Sans 3", "Helvetica Neue", Arial, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  --wrap: 1240px;
  --gutter: clamp(16px, 5vw, 56px);
  --sec: clamp(80px, 11vw, 152px);
  --hdr: 80px;
  --ease: cubic-bezier(.22, .61, .36, 1);
  color-scheme: light;
}


*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--hdr) + 20px); }
body {
  margin: 0; background: var(--paper); color: var(--text);
  font-family: var(--sans); font-size: 17px; line-height: 1.65;
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
  font-feature-settings: "kern", "liga";
}
img, svg { display: block; max-width: 100%; }
a { color: var(--ink); text-decoration-line: underline; text-decoration-color: var(--accent); text-decoration-thickness: 1px; text-underline-offset: 4px; transition: color .2s var(--ease); }
a:hover { color: var(--accent-ink); }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0; padding: 0; }
strong { font-weight: 600; }
button { font: inherit; color: inherit; cursor: pointer; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }
main { padding-top: var(--hdr); counter-reset: par; overflow-wrap: break-word; }
main:focus { outline: none; }
[hidden] { display: none !important; }
::selection { background: var(--accent); color: var(--navy); }

.sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 16px; top: -60px; z-index: 300; background: var(--ink); color: var(--on-ink); padding: 10px 16px; }
.skip:focus { top: 12px; }
.wrap { width: 100%; max-width: calc(var(--wrap) + 2 * var(--gutter)); margin: 0 auto; padding: 0 var(--gutter); }
.narrow { max-width: calc(840px + 2 * var(--gutter)); }
.ph { background: color-mix(in srgb, var(--accent) 16%, transparent); border: 1px dashed var(--accent); padding: 0 .3em; color: inherit; font-size: .95em; }

/* --------------------------------------------------------------------------
   Typografie
   -------------------------------------------------------------------------- */
.h1, .h2, .h3, .h4, .hero__h, .phero__h { font-family: var(--serif); font-weight: 400; color: var(--ink); margin: 0 0 .5em; overflow-wrap: break-word; hyphens: auto; hyphenate-limit-chars: 12 5 5; font-optical-sizing: auto; }
.h1 { font-size: clamp(2.5rem, 5vw, 3.9rem); line-height: 1.05; letter-spacing: -.02em; }
.h2 { font-size: clamp(2rem, 3.6vw, 3.1rem); line-height: 1.08; letter-spacing: -.018em; max-width: 21ch; }
.h3 { font-size: clamp(1.55rem, 2.3vw, 2rem); line-height: 1.18; letter-spacing: -.01em; }
.h4 { font-size: 1.38rem; line-height: 1.25; font-weight: 500; letter-spacing: -.005em; }
.h2 em, .h3 em { font-style: italic; color: var(--accent-ink); }

/* Kleine Marginalie in Monospace – wird in Sektionsköpfen zur § -Nummer */
.eyebrow { font-family: var(--mono); font-size: .72rem; line-height: 1.5; letter-spacing: .08em; text-transform: uppercase; color: var(--accent-ink); margin: 0 0 1.6em; }
.sec--navy .eyebrow, .cta .eyebrow, .ftr .eyebrow { color: var(--accent-ink); }
.lead { font-size: 1.12rem; line-height: 1.6; color: var(--muted); max-width: 60ch; }
.sec--navy .lead { color: var(--on-deep-muted); }
.intro { font-family: var(--serif); font-size: clamp(1.4rem, 2.3vw, 1.9rem); line-height: 1.42; letter-spacing: -.01em; color: var(--ink); }
.intro::first-letter { font-size: 3.1em; float: left; line-height: .82; padding: .06em .1em 0 0; color: var(--accent-ink); font-style: italic; }
.muted { color: var(--muted); }
.small { font-size: .9rem; }
.note { font-size: .86rem; color: var(--muted); line-height: 1.6; margin-top: 1.4em; }
.disclaimer { font-size: .9rem; border-left: 2px solid var(--accent); padding: 4px 0 4px 18px; margin-top: 2em; }
.disclaimer--light { color: var(--on-deep-muted); }

/* --------------------------------------------------------------------------
   Sektionsköpfe als Schriftsatz: § -Nummer in der Randspalte
   -------------------------------------------------------------------------- */
.sec { padding: var(--sec) 0; position: relative; }
.sec--ivory { background: var(--paper-2); }
.sec--navy { background: var(--deep); color: var(--on-deep); }
.sec--navy .h2, .sec--navy .h3, .sec--navy .h4 { color: var(--on-deep); }
.sec__head { counter-increment: par; margin-bottom: clamp(44px, 6vw, 80px); }
.sec__head .eyebrow::before { content: "§ " counter(par); display: block; font-family: var(--serif); font-size: 2.6rem; letter-spacing: 0; text-transform: none; line-height: 1; color: var(--ink); margin-bottom: 10px; font-style: italic; }
.sec--navy .sec__head .eyebrow::before { color: var(--on-deep); }
@media (min-width: 1000px) {
  .sec__head:not(.sec__head--center) { display: grid; grid-template-columns: minmax(0, 3fr) minmax(0, 9fr); column-gap: 48px; }
  .sec__head:not(.sec__head--center) > .eyebrow { grid-row: 1 / span 3; border-top: 1px solid var(--rule-strong); padding-top: 18px; margin: 10px 0 0; align-self: start; }
  .sec--navy .sec__head:not(.sec__head--center) > .eyebrow { border-color: var(--rule-deep); }
  .sec__head:not(.sec__head--center) > :not(.eyebrow) { grid-column: 2; }
}
.sec__head--center { text-align: center; }
.sec__head--center .eyebrow::before { margin: 0 auto 10px; }
.sec__head--center .h2 { margin-left: auto; margin-right: auto; }

/* --------------------------------------------------------------------------
   Buttons & Links
   -------------------------------------------------------------------------- */
.btns { display: flex; flex-wrap: wrap; gap: 12px; }
.btn {
  --b-bg: var(--ink); --b-fg: var(--on-ink); --b-bd: var(--ink);
  display: inline-flex; align-items: center; justify-content: center; gap: 14px; text-align: center;
  min-height: 52px; padding: 13px 26px; background: var(--b-bg); color: var(--b-fg); border: 1px solid var(--b-bd);
  font-family: var(--sans); font-size: .95rem; font-weight: 500; letter-spacing: .01em; text-decoration: none; border-radius: 0;
  transition: background-color .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
}
.btn::after { content: "→"; font-family: var(--mono); transition: transform .25s var(--ease); }
.btn:hover { color: var(--b-fg); background: color-mix(in srgb, var(--b-bg) 86%, var(--accent)); }
.btn--sm { min-height: 44px; padding: 9px 18px; font-size: .88rem; }
.btn--line { --b-bg: transparent; --b-fg: var(--ink); --b-bd: var(--rule-strong); }
.btn--line:hover { background: var(--surface); border-color: var(--ink); }
.btn--accent, .btn--gold { --b-bg: var(--accent); --b-fg: var(--navy); --b-bd: var(--accent); }
.btn--accent:hover, .btn--gold:hover { background: #C8B38F; }
.btn--line-light, .btn--ghost { --b-bg: transparent; --b-fg: var(--on-deep); --b-bd: var(--rule-deep); }
.btn--line-light:hover, .btn--ghost:hover { background: var(--surface); border-color: var(--on-deep); }
.btn--ghost-dark { --b-bg: transparent; --b-fg: var(--ink); --b-bd: var(--rule-strong); }
.btn--ghost-dark::after, .cookie .btn::after, .form .btn::after { content: none; }
.btn[disabled] { opacity: .6; cursor: progress; }
.link-arrow { display: inline-flex; align-items: center; gap: 12px; min-height: 44px; font-weight: 500; text-decoration: none; color: var(--ink); border-bottom: 1px solid var(--accent); }
.link-arrow::after { content: "→"; font-family: var(--mono); transition: transform .25s var(--ease); }
.linkbtn { background: none; border: 0; padding: 0; text-decoration: underline; text-decoration-color: var(--accent); text-underline-offset: 4px; color: inherit; font-size: inherit; min-height: 24px; }

/* --------------------------------------------------------------------------
   Header
   -------------------------------------------------------------------------- */
.hdr { position: fixed; inset: 0 0 auto; z-index: 100; height: var(--hdr); background: var(--paper); border-bottom: 1px solid var(--rule); }
.hdr__in { height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-grid; grid-template-columns: auto auto; grid-template-rows: auto auto; column-gap: 14px; align-items: center; text-decoration: none; line-height: 1; }
.brand__mark { grid-row: 1 / span 2; width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--accent); display: grid; place-items: center; font-family: var(--serif); font-style: italic; font-size: 1.15rem; color: var(--ink); box-shadow: inset 0 0 0 3px var(--paper), inset 0 0 0 4px color-mix(in srgb, var(--accent) 50%, transparent); }
.brand__name { font-family: var(--serif); font-size: 1.62rem; font-weight: 500; color: var(--ink); letter-spacing: -.01em; align-self: end; }
.brand__tag { font-family: var(--mono); font-size: .6rem; letter-spacing: .12em; text-transform: uppercase; color: var(--accent-ink); margin-top: 6px; align-self: start; }
.brand--light .brand__name { color: var(--on-deep); }
.brand--light .brand__tag { color: var(--accent-ink); }
.brand--light { grid-template-columns: auto; }

.nav { display: flex; align-items: center; gap: 32px; }
.nav__list { list-style: none; display: flex; gap: 4px; }
.nav__list a { display: block; font-size: .93rem; text-decoration: none; color: var(--text); padding: 10px 12px; position: relative; }
.nav__list a::before { content: ""; position: absolute; left: 50%; top: 2px; width: 5px; height: 5px; border-radius: 50%; background: var(--accent); transform: translateX(-50%) scale(0); transition: transform .25s var(--ease); }
.nav__list a:hover { color: var(--ink); }
.nav__list a:hover::before, .nav__list a[aria-current="page"]::before { transform: translateX(-50%) scale(1); }
.nav__list a[aria-current="page"] { color: var(--ink); font-weight: 500; }
.burger { display: none; width: 48px; height: 48px; border: 1px solid var(--rule); background: none; position: relative; }
.burger span { position: absolute; left: 13px; right: 13px; height: 1px; background: var(--ink); transition: transform .25s var(--ease), top .25s var(--ease); }
.burger span:first-child { top: 19px; } .burger span:last-child { top: 27px; }
.burger[aria-expanded="true"] span:first-child { top: 23px; transform: rotate(45deg); }
.burger[aria-expanded="true"] span:last-child { top: 23px; transform: rotate(-45deg); }

@media (max-width: 1100px) {
  .burger { display: block; z-index: 2; }
  .nav { position: fixed; inset: var(--hdr) 0 0; height: calc(100dvh - var(--hdr)); background: var(--paper); flex-direction: column; justify-content: space-between; align-items: stretch; gap: 32px; padding: 32px var(--gutter) 40px; opacity: 0; visibility: hidden; transform: translateY(-8px); transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s; overflow-y: auto; }
  .nav.is-open { opacity: 1; visibility: visible; transform: none; }
  .nav__list { flex-direction: column; gap: 0; counter-reset: nav; }
  .nav__list li { counter-increment: nav; border-bottom: 1px solid var(--rule); }
  .nav__list a { font-family: var(--serif); font-size: 1.9rem; padding: 16px 0; display: flex; gap: 18px; align-items: baseline; }
  .nav__list a::before { content: counter(nav, upper-roman); position: static; width: auto; height: auto; background: none; transform: none; font-family: var(--mono); font-size: .75rem; color: var(--accent-ink); min-width: 28px; }
  .nav__cta { width: 100%; }
  body.nav-open { overflow: hidden; }
}

/* --------------------------------------------------------------------------
   Startseite – Hero mit Rundbogen und Siegel
   -------------------------------------------------------------------------- */
.hero { position: relative; padding: clamp(40px, 6vw, 88px) 0 0; overflow: hidden; background: var(--paper); }
.hero::before { content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background-image: repeating-linear-gradient(90deg, transparent 0 calc(100% / 12 - 1px), var(--rule) calc(100% / 12 - 1px) calc(100% / 12)); mask-image: linear-gradient(180deg, #000 0%, transparent 85%); -webkit-mask-image: linear-gradient(180deg, #000 0%, transparent 85%); }
.hero__grid { position: relative; display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(32px, 6vw, 96px); align-items: end; }
.folio { display: flex; flex-wrap: wrap; gap: 0; font-family: var(--mono); font-size: .7rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); border-top: 1px solid var(--rule-strong); border-bottom: 1px solid var(--rule); margin-bottom: clamp(32px, 5vw, 64px); }
.folio span { padding: 10px 18px 10px 0; margin-right: 18px; border-right: 1px solid var(--rule); }
.folio span:first-child { color: var(--accent-ink); }
.folio span:last-child { border-right: 0; }
.folio .ph { border: 0; background: none; padding: 0; }
.hero__h { font-size: clamp(3.4rem, 9vw, 8.2rem); line-height: .86; letter-spacing: -.045em; margin: 0 0 .28em; font-weight: 400; margin-left: -.04em; }
.hero__h em { display: block; font-style: italic; color: var(--accent-ink); padding-left: .5em; letter-spacing: -.035em; }
.hero__sub { font-family: var(--serif); font-size: clamp(1.4rem, 2.5vw, 2rem); line-height: 1.25; color: var(--ink); margin-bottom: 1em; max-width: 22ch; }
.hero__p { max-width: 54ch; color: var(--muted); font-size: 1.04rem; margin-bottom: 2.2em; }
.hero__fig { margin: 0; position: relative; padding: 0 0 clamp(36px, 5vw, 64px); }
.arch { aspect-ratio: 4 / 5.2; border-radius: 999px 999px 0 0; overflow: hidden; outline: 1px solid var(--accent); outline-offset: 12px; background: var(--deep); }
.arch img { width: 100%; height: 100%; object-fit: cover; }
.hero__seal { position: absolute; left: clamp(-56px, -4vw, -24px); bottom: 12px; width: clamp(120px, 12vw, 168px); aspect-ratio: 1; border-radius: 50%; background: var(--paper); padding: 8px; }
.hero__cap { position: absolute; right: 0; bottom: 14px; font-family: var(--mono); font-size: .66rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.maxims { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--rule-strong); margin-top: 0; position: relative; }
.maxims li { padding: 26px 24px 30px 0; font-family: var(--serif); font-style: italic; font-size: clamp(1.15rem, 1.8vw, 1.5rem); color: var(--ink); display: flex; gap: 16px; align-items: baseline; }
.maxims li + li { padding-left: 24px; border-left: 1px solid var(--rule); }
.maxims span { font-family: var(--mono); font-style: normal; font-size: .72rem; color: var(--accent-ink); min-width: 30px; }
@media (max-width: 900px) {
  .hero__grid { grid-template-columns: 1fr; }
  .hero__fig { max-width: 420px; margin: 0 auto; width: 86%; }
  .maxims { grid-template-columns: 1fr; }
  .maxims li, .maxims li + li { padding: 16px 0; border-left: 0; }
  .maxims li + li { border-top: 1px solid var(--rule); }
}

/* Siegel */
.seal { width: 100%; height: auto; }
.seal__o { fill: none; stroke: var(--accent); stroke-width: 1; }
.seal__i { fill: none; stroke: var(--accent); stroke-width: .75; stroke-dasharray: 1 3; }
.seal__t { font-family: var(--mono); font-size: 9.4px; letter-spacing: 1px; fill: var(--ink); }
.seal__m { font-family: var(--serif); font-style: italic; font-size: 40px; fill: var(--ink); }
.cta .seal__t, .cta .seal__m { fill: var(--on-deep); }

/* --------------------------------------------------------------------------
   Seiten-Hero mit Merkblatt
   -------------------------------------------------------------------------- */
.phero { background: var(--paper-2); border-bottom: 1px solid var(--rule); position: relative; overflow: hidden; }
.phero__in { position: relative; z-index: 1; padding-top: clamp(48px, 7vw, 96px); padding-bottom: clamp(48px, 7vw, 96px); }
.phero__in--memo { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 4fr); gap: clamp(32px, 6vw, 88px); align-items: end; }
.phero__h { font-size: clamp(2.6rem, 6.2vw, 5.2rem); line-height: .98; letter-spacing: -.03em; max-width: 16ch; }
.phero__sub { font-family: var(--serif); font-style: italic; font-size: clamp(1.25rem, 2.2vw, 1.7rem); line-height: 1.35; color: var(--accent-ink); max-width: 36ch; margin: 0; }
.phero__logo { margin-top: 32px; color: var(--muted); }
.crumbs { font-family: var(--mono); font-size: .72rem; letter-spacing: .04em; margin-bottom: 40px; color: var(--muted); display: flex; gap: 10px; flex-wrap: wrap; }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--accent-ink); }
.memo { background: var(--surface); border-top: 3px solid var(--ink); padding: 26px 28px 18px; box-shadow: var(--shadow); position: relative; }
.memo::before { content: ""; position: absolute; top: -3px; right: 0; width: 34px; height: 34px; background: linear-gradient(225deg, var(--paper-2) 50%, var(--rule) 50%, var(--surface) calc(50% + 1px)); }
.memo__k { font-family: var(--mono); font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); margin-bottom: 10px; }
.memo dl { margin: 0; }
.memo dl > div { display: flex; justify-content: space-between; gap: 18px; padding: 11px 0; border-bottom: 1px solid var(--rule); }
.memo dl > div:last-child { border-bottom: 0; }
.memo dt { font-size: .86rem; color: var(--muted); }
.memo dd { margin: 0; font-family: var(--serif); font-size: 1.12rem; color: var(--ink); text-align: right; font-variant-numeric: lining-nums tabular-nums; }
@media (max-width: 900px) { .phero__in--memo { grid-template-columns: 1fr; } }

/* --------------------------------------------------------------------------
   Layout-Bausteine
   -------------------------------------------------------------------------- */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(40px, 7vw, 104px); align-items: center; }
.split--top { align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }

.panel { margin: 0; background: var(--surface); border: 1px solid var(--rule); padding: clamp(22px, 4vw, 44px); position: relative; box-shadow: var(--shadow); }
.panel__k { font-family: var(--mono); font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); margin-bottom: .7em; }

.notice { border: 1px solid var(--rule); border-left: 3px solid var(--accent); background: var(--surface); padding: 22px 26px; margin: 2.2em 0; font-size: .95rem; }
.notice__k { font-family: var(--mono); font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); margin-bottom: .7em; }
.notice p:last-child { margin-bottom: 0; }

.toc { border-top: 1px solid var(--rule-strong); padding-top: 22px; margin-top: 44px; }
.toc__k { font-family: var(--mono); font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.toc ol { list-style: none; columns: 2; column-gap: 40px; counter-reset: t; }
.toc li { counter-increment: t; break-inside: avoid; border-bottom: 1px dotted var(--rule-strong); }
.toc a { display: flex; gap: 14px; padding: 10px 0; text-decoration: none; font-family: var(--serif); font-size: 1.12rem; }
.toc a::before { content: "§ " counter(t); font-family: var(--mono); font-size: .74rem; color: var(--accent-ink); min-width: 34px; padding-top: 4px; }
@media (max-width: 560px) { .toc ol { columns: 1; } }

.ticks { list-style: none; margin: 0 0 1.6em; }
.ticks li { position: relative; padding: 10px 0 10px 30px; border-bottom: 1px solid var(--rule); font-size: .97rem; }
.ticks li::before { content: "—"; position: absolute; left: 0; top: 10px; color: var(--accent-ink); font-family: var(--mono); }

.sw { display: inline-block; width: 12px; height: 12px; margin-right: 10px; vertical-align: -1px; flex: none; }
.sw--navy { background: var(--c1); } .sw--gold { background: var(--c2); } .sw--grey { background: var(--c4); } .sw--soft { background: var(--c3); }
.sw--light { background: var(--c4); }
.sw--hatch { background: repeating-linear-gradient(45deg, transparent 0 3px, var(--muted) 3px 4px); border: 1px solid var(--muted); }
.sw--line { height: 0; border-top: 2px dashed var(--text); width: 20px; vertical-align: 3px; }

/* Zahlen wie im Geschäftsbericht */
.legend dd, .results dd, .kpis dd, .reb__vals dd, .figure-big span, .trio__fig, .dtable td, .cdata dd, .mini dd { font-variant-numeric: lining-nums tabular-nums; }

/* --------------------------------------------------------------------------
   Versorgungslücke
   -------------------------------------------------------------------------- */
.gap-bar { display: flex; height: 64px; margin: 26px 0 22px; background: var(--paper-2); }
.gap-bar__seg { height: 100%; transition: width .5s var(--ease); }
.gap-bar__seg--state { background: var(--c1); }
.gap-bar__seg--private { background: var(--c2); }
.gap-bar__seg--gap { background: repeating-linear-gradient(45deg, transparent 0 6px, var(--rule-strong) 6px 7px); }
.legend { margin: 0 0 26px; display: grid; }
.legend > div { display: flex; justify-content: space-between; gap: 16px; font-size: .92rem; border-bottom: 1px solid var(--rule); padding: 9px 0; }
.legend dt { display: flex; align-items: center; }
.legend dd { margin: 0; font-family: var(--serif); font-size: 1.15rem; color: var(--ink); white-space: nowrap; }
.ctrls { display: grid; gap: 10px; }

/* Schieberegler (Trefferfläche ≥ 44px) */
.range { display: block; }
.range__l { display: flex; justify-content: space-between; align-items: center; gap: 12px; font-size: .88rem; }
.range__l output { font-family: var(--mono); font-size: .86rem; font-weight: 500; color: var(--ink); white-space: nowrap; }
.range__l > :first-child { margin-right: auto; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 40px; background: transparent; margin: 0; cursor: pointer; }
input[type="range"]::-webkit-slider-runnable-track { height: 1px; background: var(--rule-strong); }
input[type="range"]::-moz-range-track { height: 1px; background: var(--rule-strong); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; margin-top: -11px; border-radius: 50%; background: var(--surface); border: 1px solid var(--ink); box-shadow: inset 0 0 0 4px var(--surface), inset 0 0 0 11px var(--accent); }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--accent); border: 1px solid var(--ink); box-shadow: inset 0 0 0 4px var(--surface); }
input[type="range"]:focus-visible { outline: none; }
input[type="range"]:focus-visible::-webkit-slider-thumb { outline: 2px solid var(--accent); outline-offset: 3px; }
input[type="range"]:focus-visible::-moz-range-thumb { outline: 2px solid var(--accent); outline-offset: 3px; }
.sec--navy input[type="range"]::-webkit-slider-runnable-track { background: var(--rule-deep); }
.sec--navy input[type="range"]::-moz-range-track { background: var(--rule-deep); }
.sec--navy input[type="range"]::-webkit-slider-thumb { background: var(--deep); border-color: var(--accent); box-shadow: inset 0 0 0 4px var(--deep), inset 0 0 0 11px var(--accent); }
.sec--navy .range__l, .sec--navy .range__l output { color: var(--on-deep); }

/* --------------------------------------------------------------------------
   Produkte – „Akten“ mit Eselsohr
   -------------------------------------------------------------------------- */
.duo { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(20px, 3vw, 40px); }
.duo__item { position: relative; background: var(--surface); padding: clamp(32px, 4.5vw, 60px); clip-path: polygon(0 0, calc(100% - 44px) 0, 100% 44px, 100% 100%, 0 100%); box-shadow: inset 0 0 0 1px var(--rule); display: flex; flex-direction: column; }
.duo__item::after { content: ""; position: absolute; top: 0; right: 0; width: 44px; height: 44px; background: linear-gradient(225deg, transparent 50%, var(--paper-2) 50%); box-shadow: -1px 1px 0 var(--rule); }
.duo__item .link-arrow { margin-top: auto; align-self: flex-start; }
.duo__no { font-family: var(--mono); font-size: .72rem; letter-spacing: .1em; color: var(--accent-ink); margin-bottom: 24px; display: flex; align-items: center; gap: 14px; }
.duo__no::before { content: "Akte"; text-transform: uppercase; color: var(--muted); }
.duo__no::after { content: ""; flex: 1; height: 1px; background: var(--rule); }
.duo__item .eyebrow { margin-bottom: .9em; }
.duo__note { text-align: center; max-width: 62ch; margin: 56px auto 0; color: var(--muted); font-family: var(--serif); font-size: 1.25rem; font-style: italic; line-height: 1.5; }
@media (max-width: 860px) { .duo { grid-template-columns: 1fr; } }

/* --------------------------------------------------------------------------
   Vergleich
   -------------------------------------------------------------------------- */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.cmp__table, .dtable { width: 100%; border-collapse: collapse; font-size: .96rem; }
.cmp__table th, .cmp__table td { text-align: left; vertical-align: top; padding: 20px 22px; border-bottom: 1px solid var(--rule); }
.cmp__table thead th { font-family: var(--serif); font-size: 1.5rem; font-weight: 400; color: var(--ink); border-bottom: 2px solid var(--ink); padding-top: 0; }
.cmp__table thead th:first-child, .cmp__table tbody th { font-family: var(--mono); font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); font-weight: 400; }
.cmp__table tbody th { width: 22%; padding-top: 23px; }
.cmp__table td + td { border-left: 1px solid var(--rule); }
.cmp__table tbody tr { transition: background .2s var(--ease); }
.cmp__table tbody tr:hover { background: color-mix(in srgb, var(--surface) 70%, transparent); }
.cmp__toggle { display: none; margin-bottom: 20px; border: 1px solid var(--rule-strong); }
.cmp__tbtn { flex: 1; min-height: 44px; background: transparent; border: 0; padding: 10px 6px; font-size: .8rem; color: var(--muted); }
.cmp__tbtn + .cmp__tbtn { border-left: 1px solid var(--rule-strong); }
.cmp__tbtn.is-on { background: var(--ink); color: var(--on-ink); }
.cmp__foot { margin-top: 56px; display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; }
.quote-line { font-family: var(--serif); font-size: clamp(1.2rem, 2vw, 1.5rem); line-height: 1.45; color: var(--ink); margin: 0; font-style: italic; padding-left: 28px; border-left: 1px solid var(--accent); }
@media (max-width: 760px) {
  .cmp__toggle { display: flex; }
  .cmp__table th, .cmp__table td { padding: 14px 10px; }
  .cmp__table tbody th { width: 32%; }
  .cmp[data-view="a"] [data-c="b"], .cmp[data-view="b"] [data-c="a"] { display: none; }
  .cmp[data-view] td + td { border-left: 0; }
  .cmp__foot { grid-template-columns: 1fr; }
}

/* --------------------------------------------------------------------------
   Arbeitsweise
   -------------------------------------------------------------------------- */
.steps4 { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--rule-strong); }
.steps4 li { padding: 32px 28px 8px 0; }
.steps4 li + li { padding-left: 28px; border-left: 1px solid var(--rule); }
.steps4__no { display: block; font-family: var(--mono); font-size: .74rem; color: var(--accent-ink); margin-bottom: 40px; }
.steps4 p { color: var(--muted); font-size: .96rem; }
@media (max-width: 900px) {
  .steps4 { grid-template-columns: 1fr 1fr; }
  .steps4 li:nth-child(3) { border-left: 0; padding-left: 0; }
  .steps4 li:nth-child(n+3) { border-top: 1px solid var(--rule); }
}
@media (max-width: 560px) {
  .steps4 { grid-template-columns: 1fr; }
  .steps4 li, .steps4 li + li { padding: 24px 0 4px; border-left: 0; }
  .steps4 li + li { border-top: 1px solid var(--rule); }
  .steps4__no { margin-bottom: 14px; }
}

/* --------------------------------------------------------------------------
   FAQ
   -------------------------------------------------------------------------- */
.faq-wrap { max-width: calc(1000px + 2 * var(--gutter)); }
.acc { border-top: 2px solid var(--ink); }
.acc__item { border-bottom: 1px solid var(--rule); }
.acc__h { margin: 0; font-size: inherit; font-weight: inherit; }
.acc__btn { width: 100%; min-height: 64px; display: grid; grid-template-columns: 56px 1fr 32px; gap: 12px; align-items: center; text-align: left; background: none; border: 0; padding: 22px 0; }
.acc__no { font-family: var(--mono); font-size: .74rem; color: var(--accent-ink); }
.acc__q { font-family: var(--serif); font-size: clamp(1.15rem, 2vw, 1.4rem); line-height: 1.3; color: var(--ink); }
.acc__icon { width: 32px; height: 32px; border: 1px solid var(--rule-strong); border-radius: 50%; position: relative; justify-self: end; transition: background .25s var(--ease), border-color .25s var(--ease); }
.acc__icon::before, .acc__icon::after { content: ""; position: absolute; left: 10px; right: 10px; top: 50%; height: 1px; background: var(--ink); transition: transform .25s var(--ease); }
.acc__icon::after { transform: rotate(90deg); }
.acc__btn[aria-expanded="true"] .acc__icon { background: var(--ink); border-color: var(--ink); }
.acc__btn[aria-expanded="true"] .acc__icon::before, .acc__btn[aria-expanded="true"] .acc__icon::after { background: var(--on-ink); }
.acc__btn[aria-expanded="true"] .acc__icon::after { transform: rotate(0); }
.acc__btn:hover .acc__q { color: var(--accent-ink); }
.acc__panel { padding: 0 44px 28px 68px; font-size: .98rem; max-width: 76ch; }
.acc__panel p:last-child { margin-bottom: 0; }
@media (max-width: 560px) { .acc__btn { grid-template-columns: 36px 1fr 32px; } .acc__panel { padding: 0 0 22px 48px; } }

/* --------------------------------------------------------------------------
   CTA & Footer
   -------------------------------------------------------------------------- */
.cta { background: var(--deep); color: var(--on-deep); padding: clamp(88px, 12vw, 160px) 0; text-align: center; position: relative; overflow: hidden; }
.cta::before { content: ""; position: absolute; inset: 24px; border: 1px solid var(--rule-deep); pointer-events: none; }
.cta__in { position: relative; }
.cta__seal { width: 132px; margin: 0 auto 36px; }
.cta .h2 { margin: 0 auto .45em; max-width: 18ch; color: var(--on-deep); }
.cta__p { color: var(--on-deep-muted); max-width: 50ch; margin: 0 auto 2.4em; }
.cta .btns { justify-content: center; }

.ftr { background: var(--deep); color: var(--on-deep-muted); font-size: .92rem; padding: 0 0 32px; border-top: 1px solid var(--rule-deep); overflow: hidden; }
.ftr a { color: var(--on-deep); text-decoration: none; }
.ftr a:hover { color: var(--accent-ink); }
.ftr__word { font-family: var(--serif); font-size: clamp(4.4rem, 15vw, 15rem); line-height: .8; letter-spacing: -.05em; color: var(--on-deep); opacity: .1; margin: 0 0 56px; padding-top: 48px; white-space: nowrap; }
.ftr__word em { color: var(--accent); }
.ftr__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 56px; border-bottom: 1px solid var(--rule-deep); }
.ftr__claim { font-family: var(--serif); font-size: 1.15rem; margin-top: 22px; color: var(--on-deep-muted); font-style: italic; max-width: 26ch; }
.ftr__h { font-family: var(--mono); font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); font-weight: 400; margin: 0 0 18px; }
.ftr__list { list-style: none; font-style: normal; line-height: 2.1; }
.ftr .linkbtn { color: var(--on-deep); text-decoration: none; }
.ftr .linkbtn:hover { color: var(--accent-ink); }
.ftr__corp { display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; padding: 36px 0; border-bottom: 1px solid var(--rule-deep); font-size: .84rem; line-height: 1.7; }
.ftr__corp p { margin: 0; max-width: 82ch; }
.ftr__logos { display: flex; gap: 16px; flex-wrap: wrap; }
.ftr__base { display: flex; justify-content: space-between; gap: 24px; padding-top: 28px; font-family: var(--mono); font-size: .72rem; line-height: 1.7; color: var(--on-deep-muted); }
.ftr__base p { margin: 0; max-width: 100ch; }
@media (max-width: 960px) { .ftr__grid { grid-template-columns: 1fr 1fr; } .ftr__corp { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .ftr__grid { grid-template-columns: 1fr; } .ftr__base { flex-direction: column; } }

.logo-ph { display: inline-flex; flex-direction: column; justify-content: center; min-width: 170px; min-height: 64px; padding: 10px 16px; border: 1px dashed currentColor; font-family: var(--serif); font-size: 1.05rem; line-height: 1.2; }
.logo-ph__k { font-family: var(--mono); font-size: .58rem; letter-spacing: .1em; text-transform: uppercase; opacity: .75; margin-bottom: 4px; }
.logo-img { max-height: 48px; width: auto; }
.logos { display: flex; gap: 20px; flex-wrap: wrap; margin-top: 36px; color: var(--muted); }

/* --------------------------------------------------------------------------
   Prozessgrafik
   -------------------------------------------------------------------------- */
.flow { list-style: none; display: grid; grid-template-columns: repeat(5, 1fr); gap: 28px; position: relative; }
.flow::before { content: ""; position: absolute; left: 28px; right: 28px; top: 28px; height: 1px; background: var(--accent); }
.flow__step { position: relative; }
.flow__icon { display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%; background: var(--paper-2); border: 1px solid var(--accent); margin-bottom: 24px; position: relative; }
.sec:not(.sec--ivory) .flow__icon { background: var(--paper); }
.flow__icon svg { width: 28px; height: 28px; fill: none; stroke: var(--ink); stroke-width: 1.2; stroke-linecap: round; stroke-linejoin: round; }
.flow__no { font-family: var(--mono); font-size: .72rem; color: var(--accent-ink); margin-bottom: .5em; }
.flow__step p:last-child { font-size: .94rem; color: var(--muted); }
.flow--arrows .flow__step { padding-top: 40px; }
.flow--arrows::before { top: 6px; }
.flow--arrows .flow__step::before { content: ""; position: absolute; top: 0; left: 0; width: 13px; height: 13px; border-radius: 50%; background: var(--paper-2); border: 1px solid var(--accent); }
.flow--arrows .flow__step:first-child::before { background: var(--accent); }
@media (max-width: 1000px) {
  .flow { grid-template-columns: 1fr; gap: 0; }
  .flow::before { left: 27px; right: auto; top: 28px; bottom: 28px; width: 1px; height: auto; }
  .flow__step { display: grid; grid-template-columns: 56px 1fr; column-gap: 24px; padding-bottom: 28px; }
  .flow__step > :not(.flow__icon) { grid-column: 2; }
  .flow__icon { grid-row: 1 / span 3; margin: 0; }
  .flow--arrows::before { left: 6px; top: 8px; bottom: 8px; }
  .flow--arrows .flow__step { padding: 0 0 26px 40px; display: block; }
  .flow--arrows .flow__step::before { top: 4px; }
}

/* --------------------------------------------------------------------------
   Förderung
   -------------------------------------------------------------------------- */
.figure-big { font-size: .95rem; color: var(--muted); margin: 28px 0; display: flex; align-items: baseline; gap: 18px; border-top: 2px solid var(--ink); border-bottom: 1px solid var(--rule); padding: 20px 0; }
.figure-big span { font-family: var(--serif); font-size: clamp(3rem, 6vw, 4.4rem); line-height: 1; color: var(--ink); letter-spacing: -.03em; }
.tiers { width: 100%; height: auto; margin-top: 10px; }
.tiers .ax, .payout .ax { stroke: var(--rule-strong); stroke-width: 1; }
.tiers .t1 { fill: var(--c1); }
.tiers .t2 { fill: var(--c2); }
.tiers .tl { font-family: var(--serif); font-size: 17px; fill: var(--ink); }
.tiers .ts, .payout .ts { font-family: var(--mono); font-size: 10px; fill: var(--muted); }
.tiers .tl--light { fill: var(--paper); }
.table-block { margin-top: clamp(48px, 7vw, 96px); }
.dtable th, .dtable td { padding: 16px 18px; text-align: left; border-bottom: 1px solid var(--rule); }
.dtable thead th { font-family: var(--mono); font-size: .7rem; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); font-weight: 400; border-bottom: 2px solid var(--ink); }
.dtable td { font-family: var(--serif); font-size: 1.12rem; color: var(--ink); }
.minibar { display: flex; height: 8px; width: 180px; background: var(--paper-2); }
.minibar i { background: var(--c1); } .minibar b { background: var(--c2); }
@media (max-width: 640px) { .hide-sm { display: none; } .dtable th, .dtable td { padding: 12px 8px; } .dtable td { font-size: 1rem; } }
.trio { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: clamp(56px, 7vw, 96px); border-top: 1px solid var(--rule-strong); }
.trio__item { padding: 32px 32px 0 0; }
.trio__item + .trio__item { padding-left: 32px; border-left: 1px solid var(--rule); }
.trio__fig { font-family: var(--serif); font-style: italic; font-size: 2.3rem; color: var(--accent-ink); line-height: 1; margin-bottom: 18px; }
.trio__item p:last-child { color: var(--muted); font-size: .95rem; }
@media (max-width: 860px) { .trio { grid-template-columns: 1fr; } .trio__item, .trio__item + .trio__item { padding: 28px 0; border-left: 0; } .trio__item + .trio__item { border-top: 1px solid var(--rule); } }

/* --------------------------------------------------------------------------
   Förderrechner (dunkle Sektion)
   -------------------------------------------------------------------------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--rule-deep); }
.calc__in { padding: clamp(22px, 4vw, 48px); display: grid; gap: 24px; align-content: start; border-right: 1px solid var(--rule-deep); }
.calc__out { padding: clamp(22px, 4vw, 48px); background: var(--surface); }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } .calc__in { border-right: 0; border-bottom: 1px solid var(--rule-deep); } }

.field { display: grid; gap: 8px; border: 0; margin: 0; padding: 0; min-width: 0; }
.field__l { font-size: .86rem; font-weight: 500; color: var(--text); padding: 0; }
.field__h { font-size: .8rem; color: var(--muted); }
.field__e { font-size: .84rem; color: var(--danger); margin: 0; display: flex; gap: 8px; }
.field__e::before { content: "!"; font-family: var(--mono); font-weight: 500; }
.field input[type="text"], .field input[type="email"], .field input[type="tel"], .field input[type="number"], .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--text); background: var(--surface); border: 0; border-bottom: 1px solid var(--rule-strong); border-radius: 0; padding: 14px 2px 12px; min-height: 52px;
  transition: border-color .2s var(--ease), background-color .2s var(--ease); -webkit-appearance: none; appearance: none;
}
.contact__form .field input, .contact__form .field select, .contact__form .field textarea { background: transparent; padding-left: 0; }
.field textarea { border: 1px solid var(--rule-strong); padding: 12px 14px; resize: vertical; }
.field select { background-image: linear-gradient(45deg, transparent 50%, var(--ink) 50%), linear-gradient(135deg, var(--ink) 50%, transparent 50%); background-position: calc(100% - 18px) 50%, calc(100% - 13px) 50%; background-size: 5px 5px; background-repeat: no-repeat; padding-right: 40px; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--accent); outline: none; box-shadow: 0 2px 0 0 var(--accent); }
.field [aria-invalid="true"] { border-color: var(--danger); }
.field__unit { display: flex; align-items: stretch; }
.field__unit input { flex: 1; min-width: 0; }
.field__unit span { display: grid; place-items: center; padding: 0 12px; border-bottom: 1px solid var(--rule-strong); font-family: var(--mono); font-size: .82rem; color: var(--muted); }
.field--dark .field__l { color: var(--on-deep); }
.field--dark .field__h { color: var(--on-deep-muted); }
.field--dark input[type="number"], .field--dark select { background-color: transparent; color: var(--on-deep); border-color: var(--rule-deep); }
.field--dark select { background-image: linear-gradient(45deg, transparent 50%, var(--ink) 50%), linear-gradient(135deg, var(--ink) 50%, transparent 50%); }
.field--dark select option { color: #20262D; background: #fff; }
.field--dark .field__unit span { border-color: var(--rule-deep); color: var(--on-deep-muted); }
.field--inline { grid-template-columns: 1fr 1fr; align-items: center; }

.check { display: flex; gap: 12px; align-items: flex-start; font-size: .92rem; line-height: 1.55; cursor: pointer; min-height: 24px; }
.check input { flex: none; width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--ink); }
.check--dark { color: var(--on-deep-muted); }
.check--dark input { accent-color: var(--ink); }

.results { margin: 0; }
.results > div { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 13px 0; border-bottom: 1px dotted var(--rule-deep); }
.results dt { font-size: .92rem; color: var(--on-deep-muted); }
.results dd { margin: 0; font-family: var(--serif); font-size: 1.55rem; color: var(--on-deep); white-space: nowrap; }
.results__sum { border-bottom: 1px solid var(--accent) !important; border-top: 1px solid var(--accent); margin-top: 8px; padding: 20px 0 !important; }
.results__sum dt { color: var(--on-deep); font-weight: 500; }
.results__sum dd { color: var(--accent-ink); font-size: clamp(2rem, 4vw, 2.6rem); font-style: italic; }
.results__sub dd { font-size: 1.2rem; color: var(--on-deep-muted); }
.results .is-off dd { opacity: .4; }
.tag { display: inline-block; font-family: var(--mono); font-size: .6rem; letter-spacing: .06em; text-transform: uppercase; border: 1px solid var(--accent); color: var(--accent-ink); padding: 1px 6px; margin-left: 6px; vertical-align: 2px; }
.calc__msg { border-left: 2px solid var(--accent); padding: 6px 0 6px 14px; color: var(--on-deep); font-size: .94rem; }
.calc__fine { font-size: .82rem; line-height: 1.6; color: var(--on-deep-muted); margin-top: 18px; }
.sim .calc__fine { color: var(--muted); font-family: var(--mono); font-size: .74rem; }

/* Vorteile */
.tiles { display: grid; grid-template-columns: repeat(3, 1fr); counter-reset: tile; border-top: 2px solid var(--ink); }
.tile { counter-increment: tile; padding: clamp(26px, 3.5vw, 44px) clamp(20px, 3vw, 36px) clamp(26px, 3.5vw, 44px) 0; border-bottom: 1px solid var(--rule); transition: background .3s var(--ease); }
.tile:not(:nth-child(3n+1)) { padding-left: clamp(20px, 3vw, 36px); border-left: 1px solid var(--rule); }
.tile .h4::before { content: counter(tile, lower-roman) "."; display: block; font-family: var(--mono); font-size: .74rem; color: var(--accent-ink); margin-bottom: 26px; }
.tile p { color: var(--muted); font-size: .96rem; margin: 0; }
@media (max-width: 900px) { .tiles { grid-template-columns: 1fr 1fr; } .tile:not(:nth-child(3n+1)) { padding-left: 0; border-left: 0; } .tile:nth-child(2n) { padding-left: 24px; border-left: 1px solid var(--rule); } }
@media (max-width: 560px) { .tiles { grid-template-columns: 1fr; } .tile, .tile:nth-child(2n) { padding: 24px 0; border-left: 0; } }

/* Risiken */
.risk { display: grid; grid-template-columns: 1fr 1.4fr; gap: clamp(32px, 6vw, 80px); background: var(--surface); border: 1px solid var(--rule); padding: clamp(26px, 5vw, 64px); position: relative; box-shadow: var(--shadow); }
.risk::before { content: "Hinweis"; position: absolute; top: -12px; left: clamp(26px, 5vw, 64px); background: var(--ink); color: var(--on-ink); font-family: var(--mono); font-size: .66rem; letter-spacing: .1em; text-transform: uppercase; padding: 4px 10px; }
.risk__list { list-style: none; counter-reset: r; }
.risk__list li { counter-increment: r; position: relative; padding: 16px 0 16px 48px; border-bottom: 1px solid var(--rule); font-size: .97rem; }
.risk__list li::before { content: counter(r, decimal-leading-zero); position: absolute; left: 0; top: 18px; font-family: var(--mono); font-size: .74rem; color: var(--accent-ink); }
.risk__list li:last-child { border-bottom: 0; }
@media (max-width: 900px) { .risk { grid-template-columns: 1fr; } }

/* --------------------------------------------------------------------------
   Simulation
   -------------------------------------------------------------------------- */
.sim { display: grid; grid-template-columns: 340px minmax(0, 1fr); gap: clamp(28px, 4vw, 56px); border-top: 2px solid var(--ink); padding-top: 40px; }
.sim__ctrl { display: grid; gap: 14px; align-content: start; }
.presets { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--rule-strong); margin-bottom: 8px; }
.presets button { min-height: 56px; background: transparent; border: 0; padding: 10px 6px; font-size: .8rem; line-height: 1.3; color: var(--text); transition: background .2s var(--ease); }
.presets button:hover { background: var(--surface); }
.presets button + button { border-left: 1px solid var(--rule-strong); }
.presets button span { display: block; font-family: var(--mono); font-size: .7rem; color: var(--muted); margin-top: 3px; }
.presets button.is-on { background: var(--ink); color: var(--on-ink); }
.presets button.is-on span { color: #D9C7A6; }
.sim .field--inline .field__l { font-weight: 400; font-size: .88rem; }
.sim .field--inline select, .sim .field--inline input { min-height: 44px; padding: 8px 4px; font-size: .92rem; background-color: transparent; }
.kpis { display: grid; grid-template-columns: repeat(4, 1fr); margin: 0 0 28px; border-bottom: 1px solid var(--rule); }
.kpis > div { padding: 0 16px 20px 0; }
.kpis > div + div { padding-left: 16px; border-left: 1px solid var(--rule); }
.kpis dt { font-family: var(--mono); font-size: .68rem; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); line-height: 1.4; margin-bottom: 10px; }
.kpis dd { margin: 0; font-family: var(--serif); font-size: clamp(1.3rem, 2.2vw, 1.85rem); color: var(--ink); white-space: nowrap; }
.kpis__main dd { color: var(--accent-ink); font-style: italic; }
.chart { width: 100%; aspect-ratio: 16 / 9; min-height: 240px; }
.chart svg { width: 100%; height: 100%; overflow: visible; }
.chart .grid line { stroke: var(--rule); stroke-dasharray: 2 4; }
.chart .axis text { font-family: var(--mono); font-size: 10px; fill: var(--muted); }
.chart .a-own { fill: var(--c1); }
.chart .a-sub { fill: var(--c2); }
.chart .a-growth { fill: var(--c3); }
.chart .l-total { fill: none; stroke: var(--ink); stroke-width: 1.2; }
.chart .l-vol { fill: none; stroke: var(--text); stroke-width: 1.5; stroke-dasharray: 5 3; }
.chart .hover-line { stroke: var(--accent); stroke-width: 1; }
.chart .tip rect { fill: var(--surface); stroke: var(--rule-strong); }
.chart .tip text { font-family: var(--mono); font-size: 10.5px; fill: var(--text); }
.chart .tip .tip-h { font-weight: 500; fill: var(--ink); }
.chart-legend { list-style: none; display: flex; flex-wrap: wrap; gap: 8px 24px; font-size: .84rem; color: var(--muted); margin-top: 18px; }
.chart-legend li { display: flex; align-items: center; }
.method { margin-top: 72px; padding: 36px 0 0; border-top: 1px solid var(--rule-strong); max-width: 920px; }
.method ul { padding-left: 1.2em; color: var(--muted); font-size: .93rem; display: grid; gap: 8px; }
@media (max-width: 1000px) { .sim { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .kpis { grid-template-columns: 1fr 1fr; } .kpis > div:nth-child(3) { border-left: 0; padding-left: 0; } .kpis > div { padding-top: 14px; } .chart { aspect-ratio: 4 / 3.3; } }

.sources { list-style: none; margin: 18px 0 24px; counter-reset: src; }
.sources li { counter-increment: src; padding: 14px 0; border-bottom: 1px solid var(--rule); display: flex; gap: 16px; }
.sources li::before { content: "[" counter(src) "]"; font-family: var(--mono); font-size: .76rem; color: var(--accent-ink); padding-top: 3px; }
.sources a { text-decoration: none; }
.sources a::after { content: " ↗"; color: var(--accent-ink); font-size: .85em; }

/* --------------------------------------------------------------------------
   ERGO-Seite
   -------------------------------------------------------------------------- */
.diff { display: grid; grid-template-columns: 1fr auto 1fr; gap: 24px; align-items: stretch; margin: 48px 0 0; }
.diff > div:not(.diff__vs) { border: 1px solid var(--rule); padding: 22px 24px; font-size: .92rem; color: var(--muted); }
.diff .is-active { border-color: var(--ink) !important; color: var(--text) !important; background: var(--surface); }
.diff__k { font-family: var(--serif); font-size: 1.3rem; color: var(--ink); margin-bottom: .3em; }
.diff p:last-child { margin: 0; }
.diff__vs { font-family: var(--serif); font-size: 2rem; color: var(--accent-ink); align-self: center; }
@media (max-width: 640px) { .diff { grid-template-columns: 1fr; } .diff__vs { text-align: center; } }

.alloc { display: grid; grid-template-columns: 180px minmax(0, 1fr); gap: 32px; align-items: center; margin-top: 20px; }
.donut { width: 100%; max-width: 200px; transform: rotate(-90deg); }
.donut circle { fill: none; stroke-width: 14; }
.donut__track { stroke: var(--paper-2); }
.donut__seg { transition: stroke-dasharray .4s var(--ease), stroke-dashoffset .4s var(--ease); }
.donut__seg--1 { stroke: var(--c1); } .donut__seg--2 { stroke: var(--c2); } .donut__seg--3 { stroke: var(--c4); }
.alloc__ctrls { display: grid; gap: 6px; }
.alloc__sum { font-family: var(--mono); font-size: .76rem; color: var(--muted); margin: 6px 0 0; }
.alloc__ctrls .linkbtn { justify-self: start; font-size: .84rem; color: var(--muted); min-height: 44px; }
@media (max-width: 560px) { .alloc { grid-template-columns: 1fr; } .donut { max-width: 170px; margin: 0 auto; } }

.flexgrid { display: grid; grid-template-columns: repeat(3, 1fr); margin: 0; border-top: 2px solid var(--ink); }
.flexgrid > div { padding: 30px 30px 30px 0; border-bottom: 1px solid var(--rule); }
.flexgrid > div:not(:nth-child(3n+1)) { padding-left: 30px; border-left: 1px solid var(--rule); }
.flexgrid dt { font-family: var(--serif); font-size: 1.38rem; color: var(--ink); margin-bottom: 10px; }
.flexgrid dd { margin: 0; color: var(--muted); font-size: .96rem; }
@media (max-width: 900px) { .flexgrid { grid-template-columns: 1fr 1fr; } .flexgrid > div:not(:nth-child(3n+1)) { padding-left: 0; border-left: 0; } .flexgrid > div:nth-child(2n) { padding-left: 24px; border-left: 1px solid var(--rule); } }
@media (max-width: 560px) { .flexgrid { grid-template-columns: 1fr; } .flexgrid > div, .flexgrid > div:nth-child(2n) { padding: 22px 0; border-left: 0; } }

/* Rebalancing */
.reb { border: 1px solid var(--rule-strong); background: var(--surface); box-shadow: var(--shadow); }
.reb__tabs { display: grid; grid-template-columns: repeat(3, 1fr); border-bottom: 1px solid var(--rule); }
.reb__tabs button { min-height: 56px; background: transparent; border: 0; padding: 14px 10px; font-size: .88rem; color: var(--muted); border-bottom: 2px solid transparent; transition: color .2s var(--ease), background .2s var(--ease); }
.reb__tabs button + button { border-left: 1px solid var(--rule); }
.reb__tabs button:hover { color: var(--ink); }
.reb__tabs button[aria-selected="true"] { color: var(--ink); border-bottom-color: var(--accent); background: var(--paper); font-weight: 500; }
.reb__body { display: grid; grid-template-columns: 1.5fr 1fr; }
.reb__viz { padding: clamp(22px, 4vw, 48px); }
.reb__ctrl { padding: clamp(22px, 4vw, 48px); border-left: 1px solid var(--rule); background: var(--paper); display: grid; gap: 8px; align-content: start; }
.reb__bar { display: flex; height: 76px; }
.reb__seg { position: relative; transition: width .6s var(--ease); display: flex; align-items: center; padding-left: 16px; overflow: hidden; }
.reb__seg span { font-family: var(--serif); font-size: 1.6rem; white-space: nowrap; }
.reb__seg--eq { background: var(--c1); color: var(--paper); }
.reb__seg--bd { background: var(--c4); color: var(--navy); }
.reb__vals { display: grid; grid-template-columns: repeat(3, 1fr); margin: 24px 0; }
.reb__vals > div { padding-right: 12px; }
.reb__vals dt { font-size: .8rem; color: var(--muted); display: flex; align-items: center; }
.reb__vals dd { margin: 4px 0 0; font-family: var(--serif); font-size: 1.5rem; color: var(--ink); }
.reb__text { font-size: .96rem; min-height: 3.2em; margin: 0; border-left: 2px solid var(--accent); padding-left: 16px; }
@media (max-width: 900px) { .reb__body { grid-template-columns: 1fr; } .reb__ctrl { border-left: 0; border-top: 1px solid var(--rule); } }
@media (max-width: 560px) { .reb__tabs button { font-size: .74rem; padding: 12px 4px; } .reb__vals { grid-template-columns: 1fr 1fr; gap: 12px; } .reb__seg span { font-size: 1.2rem; } }

/* Zeitachse */
.tl { border: 1px solid var(--rule-deep); padding: clamp(22px, 4vw, 48px); }
.tl__axis { list-style: none; display: grid; grid-template-columns: repeat(5, 1fr); position: relative; margin-bottom: 40px; }
.tl__axis::before { content: ""; position: absolute; left: 10%; right: 10%; top: 21px; height: 1px; background: var(--accent); }
.tl__axis button { background: none; border: 0; width: 100%; min-height: 44px; display: flex; flex-direction: column; align-items: center; gap: 12px; padding: 10px 4px 6px; color: var(--on-deep-muted); }
.tl__dot { width: 23px; height: 23px; border-radius: 50%; border: 1px solid var(--accent); background: var(--deep); transition: background .25s var(--ease), transform .25s var(--ease); }
.tl__axis button[aria-selected="true"] .tl__dot { background: var(--accent); }
.tl__axis button[aria-selected="true"] { color: var(--on-deep); }
.tl__l { font-family: var(--mono); font-size: .74rem; text-align: center; }
.tl__bar { display: flex; height: 44px; margin-bottom: 14px; }
.tl__eq { background: var(--accent); transition: width .6s var(--ease); }
.tl__bd { background: var(--c4); transition: width .6s var(--ease); }
.tl__legend { display: flex; flex-wrap: wrap; gap: 8px 28px; font-size: .86rem; color: var(--on-deep-muted); }
.tl__legend span { display: flex; align-items: center; } .tl__legend strong { margin-left: 8px; color: var(--on-deep); font-family: var(--mono); font-weight: 500; }
.tl__text { font-family: var(--serif); font-size: 1.3rem; line-height: 1.5; color: var(--on-deep); margin: 24px 0 0; max-width: 60ch; }
.tl__note { font-size: .82rem; color: var(--on-deep-muted); margin: 28px 0 0; }
.statement { font-family: var(--serif); font-size: clamp(1.5rem, 3vw, 2.2rem); color: var(--accent-ink); text-align: center; margin: 56px auto 0; max-width: 30ch; font-style: italic; }
@media (max-width: 560px) { .tl__l { font-size: .62rem; } }

/* Auszahlungsoptionen */
.payout { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(20px, 3vw, 40px); }
.payout__item { margin: 0; border-top: 2px solid var(--ink); padding-top: 28px; }
.payout svg { width: 100%; height: auto; margin-bottom: 24px; }
.payout .bars-n rect { fill: var(--c1); }
.payout .bar-g { fill: var(--c2); }
.payout .arrow { fill: none; stroke: var(--accent-ink); stroke-width: 1.2; }
.payout__item p { color: var(--muted); font-size: .95rem; }
.mini { margin: 18px 0 0; border-top: 1px solid var(--rule); }
.mini > div { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-bottom: 1px solid var(--rule); font-size: .86rem; }
.mini dt { font-family: var(--mono); font-size: .72rem; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); padding-top: 2px; }
.mini dd { margin: 0; color: var(--ink); text-align: right; font-weight: 500; }
@media (max-width: 860px) { .payout { grid-template-columns: 1fr; } }

.numlist { list-style: none; counter-reset: n; margin: 24px 0; }
.numlist li { counter-increment: n; position: relative; padding: 18px 0 18px 60px; border-bottom: 1px solid var(--rule); }
.numlist li::before { content: "(" counter(n) ")"; position: absolute; left: 0; top: 16px; font-family: var(--serif); font-style: italic; font-size: 1.4rem; color: var(--accent-ink); }

.cr { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--rule-strong); }
.cr__col { padding: clamp(26px, 4vw, 52px); background: var(--surface); }
.cr__col + .cr__col { border-left: 1px solid var(--rule-strong); background: var(--paper-2); }
.cr__col ul { list-style: none; }
.cr__col li { padding: 12px 0 12px 28px; border-bottom: 1px solid var(--rule); position: relative; font-size: .96rem; }
.cr__col li::before { content: "+"; position: absolute; left: 0; font-family: var(--mono); color: var(--accent-ink); }
.cr__col--risk li::before { content: "−"; color: var(--ink); }
@media (max-width: 760px) { .cr { grid-template-columns: 1fr; } .cr__col + .cr__col { border-left: 0; border-top: 1px solid var(--rule-strong); } }

/* --------------------------------------------------------------------------
   Über uns
   -------------------------------------------------------------------------- */
.photo { margin: 0; }
.photo img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; background: var(--paper-2); border-radius: 999px 999px 0 0 / 60% 60% 0 0; }
.photo--sm { margin-top: 40px; }
.people { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(24px, 4vw, 56px); }
.person { background: var(--surface); box-shadow: inset 0 0 0 1px var(--rule), var(--shadow); display: grid; grid-template-rows: auto 1fr; }
.person__img { width: calc(100% - 2 * clamp(20px, 3vw, 36px)); margin: clamp(20px, 3vw, 36px) auto 0; aspect-ratio: 4 / 4.6; object-fit: cover; background: var(--paper-2); border-radius: 999px 999px 0 0; }
.person__body { padding: clamp(22px, 3.5vw, 40px); }
.person__role { font-family: var(--mono); font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--accent-ink); }
.person__q { margin: 24px 0; padding: 0 0 0 20px; border-left: 1px solid var(--accent); font-family: var(--serif); font-size: 1.28rem; line-height: 1.5; color: var(--ink); font-style: italic; }
.person__c { list-style: none; font-size: .9rem; border-top: 1px solid var(--rule); }
.person__c li { padding: 10px 0; border-bottom: 1px solid var(--rule); display: flex; gap: 16px; }
.person__c > li > span:first-child { min-width: 96px; font-family: var(--mono); font-size: .7rem; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); padding-top: 3px; }
@media (max-width: 860px) { .people { grid-template-columns: 1fr; } }

/* --------------------------------------------------------------------------
   Kontakt
   -------------------------------------------------------------------------- */
.contact { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); gap: clamp(40px, 7vw, 100px); align-items: start; }
.cdata { margin: 36px 0 0; border-top: 2px solid var(--ink); }
.cdata > div { display: grid; grid-template-columns: 130px 1fr; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--rule); font-size: .95rem; }
.cdata dt { font-family: var(--mono); font-size: .7rem; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); padding-top: 4px; }
.cdata dd { margin: 0; }
.contact__form { background: var(--surface); padding: clamp(24px, 4.5vw, 56px); border-top: 3px solid var(--ink); box-shadow: var(--shadow); position: relative; }
.contact__form::before { content: "Formular"; position: absolute; top: -26px; left: 0; font-family: var(--mono); font-size: .66rem; letter-spacing: .1em; text-transform: uppercase; color: var(--accent-ink); }
.form { display: grid; gap: 22px; margin-top: 24px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.form .btn { justify-self: start; }
.form__status { padding: 22px 24px; border: 1px solid var(--rule); background: var(--paper); border-left: 3px solid var(--accent); }
.form__status.is-ok { border-left-color: var(--ink); }
.form__status h3 { margin: 0 0 .4em; }
.form__status p:last-child { margin: 0; }
.hp { position: absolute; left: -9999px; }
@media (max-width: 900px) { .contact { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .form__row { grid-template-columns: 1fr; } .cdata > div { grid-template-columns: 1fr; gap: 2px; } .form .btn { justify-self: stretch; } }
.booking { border: 1px dashed var(--rule-strong); background: var(--surface); min-height: 260px; display: grid; place-items: center; text-align: center; padding: 40px 24px; }
.booking__ph { max-width: 52ch; }
.booking iframe { width: 100%; min-height: 680px; border: 0; }

/* Rechtstexte */
.legal-page { counter-reset: lp; }
.legal-page .h4 { margin-top: 2.4em; padding-top: 1em; border-top: 1px solid var(--rule); }
.legal-page .plain { padding-left: 1.2em; display: grid; gap: 10px; margin-bottom: 1.2em; }

/* --------------------------------------------------------------------------
   Cookie-Dialog
   -------------------------------------------------------------------------- */
.cookie { position: fixed; z-index: 150; left: 0; right: 0; bottom: 0; background: var(--surface); border-top: 3px solid var(--ink); max-height: 80vh; overflow-y: auto; }
.cookie__in { max-width: calc(var(--wrap) + 2 * var(--gutter)); margin: 0 auto; padding: 22px var(--gutter); font-size: .9rem; display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); column-gap: 40px; align-items: center; }
.cookie__in > .cookie__h, .cookie__in > p { grid-column: 1; }
.cookie__in > .cookie__opts, .cookie__in > .cookie__btns { grid-column: 2; }
.cookie__in > .cookie__opts { grid-row: 1 / span 2; margin: 0 0 12px; align-self: end; }
@media (max-width: 860px) { .cookie__in { grid-template-columns: 1fr; } .cookie__in > * { grid-column: 1 !important; grid-row: auto !important; } }
.cookie__h { font-family: var(--serif); font-size: 1.5rem; font-weight: 400; color: var(--ink); margin: 0 0 .4em; }
.cookie__opts { border: 0; padding: 0; margin: 16px 0 20px; display: grid; gap: 10px; }
.cookie__btns { display: flex; flex-wrap: wrap; gap: 8px; }
.cookie__btns .btn { min-height: 44px; padding: 9px 16px; font-size: .84rem; flex: 1 1 auto; }

/* Keine Scroll-Animationen: Inhalte stehen sofort ruhig an ihrem Platz. */
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; } }

@media (max-width: 560px) {
  body { font-size: 16px; }
  :root { --hdr: 68px; }
  .brand__mark { width: 40px; height: 40px; font-size: 1rem; }
  .brand__name { font-size: 1.4rem; }
  .brand__tag { font-size: .54rem; }
  .btns { flex-direction: column; }
  .btns .btn { width: 100%; }
  .folio span:last-child { display: none; }
}

@media print {
  .hdr, .cookie, .cta, .burger, .ftr__logos, .ftr__word { display: none !important; }
  main { padding-top: 0; }
}

/* ==========================================================================
   Übersicht zuerst: Kurzfassung + aufklappbare Details
   ========================================================================== */
.kurz { margin-top: clamp(40px, 6vw, 72px); border-top: 2px solid var(--ink); background: var(--surface); padding: clamp(24px, 4vw, 48px); }
.kurz__h { font-family: var(--serif); font-weight: 400; font-size: clamp(1.6rem, 2.6vw, 2.1rem); color: var(--ink); margin: 0 0 18px; }
.kurz__list { list-style: none; counter-reset: k; margin-bottom: 22px; }
.kurz__list li { counter-increment: k; position: relative; padding: 13px 0 13px 44px; border-bottom: 1px solid var(--rule); }
.kurz__list li::before { content: counter(k, decimal-leading-zero); position: absolute; left: 0; top: 15px; font-family: var(--mono); font-size: .74rem; color: var(--accent-ink); }
.kurz__risk { font-size: .92rem; border-left: 2px solid var(--accent); padding: 4px 0 4px 16px; }
.kurz__cta { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--rule); }
.kurz__cta p { font-family: var(--serif); font-size: 1.2rem; color: var(--ink); }

.folds { border-top: 2px solid var(--ink); counter-reset: fold; }
.fold { border-bottom: 1px solid var(--rule-strong); background: transparent; }
.folds .fold { counter-increment: fold; }
.fold__sum { list-style: none; cursor: pointer; display: grid; grid-template-columns: 64px minmax(0, 1fr) 40px; gap: 16px; align-items: center; padding: 22px 0; min-height: 72px; }
.fold__sum::-webkit-details-marker { display: none; }
.fold--solo .fold__sum { grid-template-columns: minmax(0, 1fr) 40px; }
.fold__no::before { content: "§ " counter(fold); font-family: var(--serif); font-style: italic; font-size: 1.5rem; color: var(--accent-ink); }
.fold__t { display: grid; gap: 4px; }
.fold__k { font-family: var(--mono); font-size: .68rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.fold__h { font-family: var(--serif); font-size: clamp(1.25rem, 2.2vw, 1.6rem); line-height: 1.25; color: var(--ink); }
.fold__teaser { font-size: .92rem; color: var(--muted); }
.fold__icon { width: 40px; height: 40px; border: 1px solid var(--rule-strong); border-radius: 50%; position: relative; justify-self: end; transition: background-color .2s var(--ease); }
.fold__icon::before, .fold__icon::after { content: ""; position: absolute; left: 12px; right: 12px; top: 50%; height: 1px; background: var(--ink); }
.fold__icon::after { transform: rotate(90deg); }
.fold[open] > .fold__sum .fold__icon { background: var(--ink); border-color: var(--ink); }
.fold[open] > .fold__sum .fold__icon::before { background: var(--on-ink); }
.fold[open] > .fold__sum .fold__icon::after { display: none; }
.fold__sum:hover .fold__h { color: var(--accent-ink); }
.fold__sum:focus-visible { outline-offset: 4px; }
.fold__body { padding: 8px 0 clamp(36px, 5vw, 64px) 80px; }
.fold--solo .fold__body { padding-left: 0; }
.fold__intro { margin-bottom: 32px; }
.fold__intro .lead { margin: 0; }
.fold__wrap { width: 100%; }
.fold__wrap.narrow { max-width: 840px; }
.fold--solo { border-top: 1px solid var(--rule-strong); margin-top: 32px; }
.split .fold--solo { margin-top: 0; }
@media (max-width: 760px) {
  .fold__sum { grid-template-columns: 44px minmax(0, 1fr) 40px; gap: 10px; }
  .fold__no::before { font-size: 1.2rem; }
  .fold__body { padding-left: 0; }
}
/* Inhalte in geöffneten Klappbereichen: dunkle Sektionsvarianten neutralisieren */
.fold .calc { border-color: var(--rule-strong); }
.fold .tl { border-color: var(--rule-strong); background: var(--surface); }
.fold .tl__dot { background: var(--surface); }
.fold .calc__in { background: var(--paper-2); }

/* Partnerlogos */
.ftr__logos, .logos { align-items: center; gap: 28px; }
.logo-img[src*="one-financial-services"] { max-height: 64px; }
.logo-img[src*="artemis"] { max-height: 30px; }
.logo-img[src*="ergo"] { max-height: 40px; }
.phero .logo-img[src*="ergo"] { max-height: 48px; }

/* Automatische Nummerierung der Datenschutz-Abschnitte */
.legal-page { counter-reset: lp; }
.legal-page .h4.num { counter-increment: lp; }
.legal-page .h4.num::before { content: counter(lp) ". "; }

/* ==========================================================================
   Termin & Service
   ========================================================================== */
/* Drei Schritte */
.steps3 { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 2px solid var(--ink); }
.steps3 li { padding: 32px 32px 8px 0; }
.steps3 li + li { padding-left: 32px; border-left: 1px solid var(--rule); }
.steps3__no { display: block; font-family: var(--serif); font-style: italic; font-size: 2.4rem; line-height: 1; color: var(--accent-ink); margin-bottom: 22px; }
.steps3 p { color: var(--muted); }
.center-cta { text-align: center; margin: 48px 0 0; }
@media (max-width: 760px) {
  .steps3 { grid-template-columns: 1fr; }
  .steps3 li, .steps3 li + li { padding: 24px 0 4px; border-left: 0; }
  .steps3 li + li { border-top: 1px solid var(--rule); }
  .steps3__no { font-size: 1.8rem; margin-bottom: 10px; }
}

.risk-line { margin: 40px 0 0; font-size: .92rem; color: var(--muted); border-left: 2px solid var(--accent); padding: 4px 0 4px 18px; max-width: 80ch; }
.duo__item > p:not(.duo__no):not(.eyebrow) { color: var(--muted); }

/* Liste typischer Service-Anliegen (Startseite) */
.svc-list { list-style: none; border-top: 2px solid var(--ink); }
.svc-list li { border-bottom: 1px solid var(--rule); }
.svc-list a { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 56px; padding: 14px 0; text-decoration: none; font-family: var(--serif); font-size: 1.25rem; color: var(--ink); }
.svc-list a::after { content: "→"; font-family: var(--mono); color: var(--accent-ink); }
.svc-list a:hover { color: var(--accent-ink); }

/* Service-Kacheln */
.svc-grid { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); border-top: 2px solid var(--ink); border-left: 1px solid var(--rule); }
.svc-grid li { border-right: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.svc-grid button { width: 100%; height: 100%; min-height: 132px; text-align: left; background: transparent; border: 0; padding: 22px 22px 24px; display: flex; flex-direction: column; gap: 8px; transition: background-color .2s var(--ease); }
.svc-grid button:hover { background: var(--surface); }
.svc-grid__t { font-family: var(--serif); font-size: 1.22rem; line-height: 1.25; color: var(--ink); }
.svc-grid__d { font-size: .88rem; color: var(--muted); }
.svc-grid button::after { content: "Anliegen wählen →"; margin-top: auto; padding-top: 10px; font-family: var(--mono); font-size: .68rem; letter-spacing: .04em; text-transform: uppercase; color: var(--accent-ink); }
@media (max-width: 1000px) { .svc-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .svc-grid { grid-template-columns: 1fr; } .svc-grid button { min-height: 0; } }

/* Auswahlfelder: Karten und Chips */
.choice { display: flex; flex-wrap: wrap; gap: 8px; }
.choice + .choice { margin-top: 10px; }
.choice label { position: relative; cursor: pointer; }
.choice input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.choice span { display: inline-flex; align-items: center; min-height: 46px; padding: 10px 18px; border: 1px solid var(--rule-strong); background: var(--surface); font-size: .94rem; transition: background-color .15s var(--ease), border-color .15s var(--ease), color .15s var(--ease); }
.choice--chips span { min-width: 56px; justify-content: center; padding: 10px 14px; font-family: var(--mono); font-size: .82rem; }
.choice label:hover span { border-color: var(--ink); }
.choice input:checked + span { background: var(--ink); border-color: var(--ink); color: var(--on-ink); }
.choice input:focus-visible + span { outline: 2px solid var(--accent); outline-offset: 2px; }
fieldset.field { border: 0; padding: 0; margin: 0; }
fieldset.field > legend { margin-bottom: 10px; }

/* Kontakt-Seitenleiste */
.mini-steps { list-style: none; counter-reset: ms; margin: 0 0 32px; border-top: 2px solid var(--ink); }
.mini-steps li { counter-increment: ms; position: relative; padding: 14px 0 14px 40px; border-bottom: 1px solid var(--rule); }
.mini-steps li::before { content: counter(ms, decimal-leading-zero); position: absolute; left: 0; top: 16px; font-family: var(--mono); font-size: .74rem; color: var(--accent-ink); }
.contact__aside .h4 { margin-top: 0; }
.contact__aside .notice { margin: 0 0 32px; }
.contact__aside .h4 + .muted { margin-bottom: 28px; }
.sec--ivory .contact__form { background: var(--surface); }

/* Checkliste */
.checklist { list-style: none; border-top: 2px solid var(--ink); }
.checklist li { position: relative; padding: 16px 0 16px 40px; border-bottom: 1px solid var(--rule); }
.checklist li::before { content: ""; position: absolute; left: 4px; top: 21px; width: 16px; height: 16px; border: 1px solid var(--accent-ink); }
.checklist li::after { content: ""; position: absolute; left: 9px; top: 23px; width: 6px; height: 10px; border: solid var(--accent-ink); border-width: 0 1.5px 1.5px 0; transform: rotate(45deg); }

.phero__sub { margin-top: 4px; }
@media (max-width: 560px) {
  .choice { gap: 6px; }
  .choice span { padding: 10px 14px; }
  .choice--chips span { min-width: 0; padding: 10px 11px; font-size: .78rem; }
}