/* =========================================================
   Hanseatischer Finanzservice – Stylesheet (Schriften: Poppins & Inter, SIL Open Font License)
   Helles Design: Weiß / Hellgrau, Akzente aus dem Logo im Text.
   Farben & Schriften zentral unter :root anpassen.
   ========================================================= */

/* ---- Schriften (selbst gehostet, kein Google-Abruf → DSGVO-freundlich) ---- */
@font-face{font-family:"Poppins";font-weight:500;font-style:normal;font-display:swap;src:url(../fonts/poppins-medium.woff) format("woff")}
@font-face{font-family:"Poppins";font-weight:700;font-style:normal;font-display:swap;src:url(../fonts/poppins-bold.woff) format("woff")}
@font-face{font-family:"Inter";font-weight:400;font-style:normal;font-display:swap;src:url(../fonts/inter-regular.woff) format("woff")}
@font-face{font-family:"Inter";font-weight:500;font-style:normal;font-display:swap;src:url(../fonts/inter-medium.woff) format("woff")}
@font-face{font-family:"Inter";font-weight:600;font-style:normal;font-display:swap;src:url(../fonts/inter-semibold.woff) format("woff")}
@font-face{font-family:"Inter";font-weight:700;font-style:normal;font-display:swap;src:url(../fonts/inter-bold.woff) format("woff")}

:root{
  /* Markenfarben aus dem Logo */
  --red:#b71c1d;          /* "FINANZ"-Rot – Hauptakzent */
  --red-dark:#931617;
  --red-tint:#fbeeee;
  --gold:#b1934b;         /* Goldlinie – für Linien & Flächen */
  --gold-text:#b1934b;    /* Gold aus dem Logo – überall einheitlich */
  --slate:#505f76;        /* Kompass-Schiefergrau */
  --ink:#16191e;          /* Überschriften (Logo-Schwarz) */
  --text:#3a404b;         /* Fließtext */
  --muted:#6b7280;
  --line:#e5e7eb;
  --bg:#ffffff;
  --bg-soft:#f5f6f8;      /* leichtes Grau für Wechselabschnitte */
  --radius:16px;
  --radius-sm:10px;
  --shadow:0 1px 2px rgba(16,24,40,.04),0 8px 24px rgba(16,24,40,.06);
  --shadow-lg:0 2px 4px rgba(16,24,40,.04),0 20px 44px rgba(16,24,40,.10);
  --max:1180px;
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --display:"Poppins","Inter",system-ui,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:122px}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);line-height:1.2;margin:0 0 .6em;font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,4.8vw,3.5rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:1.18rem;font-weight:500;letter-spacing:-.005em}
h1 em,h2 em{font-style:normal;color:var(--red)}
p{margin:0 0 1em}
strong{color:var(--ink)}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.section{padding:100px 0}
.section.soft,.section.dark{background:var(--bg-soft)}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--red);margin-bottom:14px}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--gold)}
.section-head{max-width:740px;margin:0 auto 56px;text-align:center}
.section-head .eyebrow::after{content:"";width:28px;height:2px;background:var(--gold)}
.section-head p{color:var(--muted);font-size:1.08rem}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;background:#fff;padding:8px 14px;z-index:999}

/* ---- Buttons ---- */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:999px;font-family:var(--font);font-weight:600;font-size:1rem;border:1.5px solid transparent;cursor:pointer;transition:.2s;text-decoration:none!important}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{background:var(--red-dark);transform:translateY(-1px);box-shadow:0 8px 20px rgba(183,28,29,.22)}
.btn-ghost{border-color:#cfd3da;color:var(--ink);background:#fff}
.btn-ghost:hover{border-color:var(--ink)}
.btn-block{width:100%;justify-content:center}

/* ---- Header ---- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:108px;gap:20px}
.logo{display:flex;align-items:center}
.logo img{height:84px;width:auto}
.menu{display:flex;align-items:center;gap:28px;list-style:none;margin:0;padding:0}
.menu a{color:var(--ink);font-weight:500;font-size:.95rem}
.menu a:hover{color:var(--red);text-decoration:none}
.menu .btn{padding:11px 22px;color:#fff}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;padding:10px}
.burger span{display:block;height:2px;background:var(--ink);margin:6px 0;transition:.25s}

/* ---- Hero ---- */
.hero{position:relative;overflow:hidden;padding:100px 0 110px;background:linear-gradient(180deg,#fff 0%,var(--bg-soft) 100%)}
.hero::before{content:"";position:absolute;right:-160px;top:-160px;width:520px;height:520px;border-radius:50%;border:1.5px solid rgba(177,147,75,.35)}
.hero::after{content:"";position:absolute;right:-90px;top:-90px;width:380px;height:380px;border-radius:50%;border:1.5px solid rgba(177,147,75,.2)}
.hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
.hero .lead{font-size:1.15rem;color:var(--text);max-width:600px}
.hero .values{font-weight:600;color:var(--gold-text);letter-spacing:.02em;margin-bottom:24px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:34px;padding:0;list-style:none}
.badges li{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);padding:7px 14px;border-radius:999px;font-size:.88rem;font-weight:600;color:var(--ink)}
.badges li::before{content:"✓";color:var(--red);font-weight:800}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.hero-card::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--red)}
.hero-card h3{margin-bottom:8px;font-size:1rem;color:var(--muted);font-family:var(--font);font-weight:600}
.hero-card .big{font-family:var(--display);font-size:3rem;font-weight:700;color:var(--red);line-height:1}
.hero-card .sub{color:var(--muted);margin:6px 0 0}
.hero-card ul{list-style:none;padding:0;margin:20px 0 24px}
.hero-card li{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.hero-card li strong{color:var(--ink)}

/* ---- Rechner ---- */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:40px;border:1px solid var(--line)}
.field{margin-bottom:26px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.field label{font-weight:600;color:var(--ink)}
.field output{font-family:var(--display);font-weight:700;color:var(--red);font-size:1.1rem}
input[type=range]{width:100%;accent-color:var(--red);height:6px}
.seg{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.seg button{padding:10px;border:1.5px solid var(--line);background:#fff;border-radius:var(--radius-sm);font-weight:600;cursor:pointer;color:var(--ink);font-family:inherit;font-size:.95rem;transition:.15s}
.seg button:hover{border-color:#cfd3da}
.seg button.active{border-color:var(--red);color:var(--red);background:var(--red-tint)}
.calc-result{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:32px;display:flex;flex-direction:column}
.calc-result .label{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--gold-text)}
.calc-result .rate{font-family:var(--display);font-size:3rem;font-weight:700;color:var(--red);line-height:1.1;margin:8px 0 24px}
.calc-result .rate small{font-family:var(--font);font-size:1rem;font-weight:500;color:var(--muted)}
.calc-result dl{margin:0 0 26px;display:grid;gap:12px}
.calc-result dl div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid var(--line);padding-bottom:10px}
.calc-result dt{color:var(--muted)}
.calc-result dd{margin:0;font-weight:700;color:var(--ink)}
.calc-result .btn{margin-top:auto}
.note{font-size:.82rem;color:var(--muted);margin-top:16px;text-align:center}

/* ---- Karten ---- */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;box-shadow:var(--shadow);transition:.25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card p{color:var(--muted)}
.card ul{list-style:none;padding:0;margin:0 0 22px;color:var(--text)}
.card ul li{padding:5px 0 5px 22px;position:relative}
.card ul li::before{content:"";position:absolute;left:0;top:14px;width:8px;height:8px;border-radius:50%;background:var(--gold)}
.card .more{margin-top:auto;font-weight:600}
.icon{width:54px;height:54px;border-radius:14px;background:var(--red-tint);display:grid;place-items:center;margin-bottom:20px}
.icon svg{width:26px;height:26px;stroke:var(--red);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* ---- Schritte ---- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.step{padding:32px;background:#fff;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}
.step .num{font-family:var(--display);font-size:2.6rem;font-weight:700;color:var(--red);line-height:1;margin-bottom:16px}
.step .num::after{content:"";display:block;width:32px;height:2px;background:var(--gold);margin-top:14px}
.step p{color:var(--muted);margin:0}

/* ---- Über uns / Zahlen ---- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.stat strong{display:block;font-family:var(--display);font-size:2.5rem;font-weight:700;color:var(--red);line-height:1;margin-bottom:8px}
.stat strong em{font-style:normal;color:var(--gold-text)}
.stat span{color:var(--muted);font-size:.95rem}

/* ---- Gründe ---- */
.reason .no{font-family:var(--display);font-size:1.4rem;font-weight:700;color:var(--gold-text)}
.reason h3{margin-top:8px}

/* ---- Team ---- */
.team{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,280px));justify-content:center;gap:28px}
.member{text-align:center;background:#fff;border-radius:var(--radius);border:1px solid var(--line);padding:34px 28px;box-shadow:var(--shadow)}
.avatar{width:140px;height:140px;border-radius:50%;margin:0 auto 20px;object-fit:cover;border:3px solid #fff;box-shadow:0 0 0 2px var(--gold);background:var(--bg-soft);display:grid;place-items:center;color:var(--slate);font-family:var(--display);font-size:2.2rem;font-weight:700}
.member h3{margin-bottom:4px;font-size:1.2rem}
.member .role{color:var(--red);font-weight:600;font-size:.95rem}

/* ---- FAQ ---- */
.faq{max-width:860px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:12px;overflow:hidden;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:#d8dbe0}
.faq summary{cursor:pointer;padding:20px 56px 20px 24px;font-weight:600;color:var(--ink);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:24px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--red);transition:.2s;font-weight:400}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq details p{padding:0 24px 20px;color:var(--muted);margin:0}

/* ---- Kontakt ---- */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.checks{list-style:none;padding:0;margin:24px 0}
.checks li{padding:8px 0 8px 34px;position:relative;color:var(--ink);font-weight:500}
.checks li::before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;background:var(--red-tint);color:var(--red);font-size:.75rem;display:grid;place-items:center;font-weight:800}
.contact-box{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:var(--radius-sm);padding:22px 24px;margin-top:22px}
.contact-box p{margin:0 0 6px}
.contact-box a{font-weight:600}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:38px;box-shadow:var(--shadow-lg)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--ink)}
.form input,.form select,.form textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font:inherit;font-size:1rem;margin-bottom:16px;background:#fff;color:var(--ink);transition:.15s}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(183,28,29,.12)}
.form textarea{min-height:110px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted)!important;font-weight:400!important;margin-bottom:20px}
.consent input{width:auto;margin:4px 0 0;accent-color:var(--red)}
.hp{position:absolute;left:-9999px}
.form-msg{margin-top:14px;font-weight:600;display:none}
.form-msg.ok{display:block;color:#1f7a4d}
.form-msg.err{display:block;color:var(--red)}

/* ---- Footer ---- */
.site-footer{background:#fff;border-top:1px solid var(--line);color:var(--muted);padding:64px 0 28px;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.footer-logo{height:70px;width:auto;margin-bottom:16px}
.site-footer h4{font-size:.95rem;margin:0 0 14px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.site-footer a{color:var(--text)}
.site-footer a:hover{color:var(--red)}
.footer-bottom{border-top:1px solid var(--line);margin-top:44px;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.85rem}

/* ---- Rechtliche Seiten ---- */
.page-hero{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:64px 0 44px}
.page-hero h1{font-size:clamp(1.8rem,3.5vw,2.6rem);margin:0}
.legal{max-width:860px;margin:0 auto;padding:56px 20px 90px}
.legal h2{font-size:1.35rem;margin-top:1.8em}
.placeholder{background:#fff8e6;border:1px dashed var(--gold);padding:16px 20px;border-radius:var(--radius-sm);color:#7a5a12;font-size:.95rem}

/* ---- Einblend-Animation ---- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* ---- Responsive ---- */
@media (max-width:1024px){
  .hero .container,.calc,.split,.contact{grid-template-columns:1fr}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .burger{display:block}
  .menu{position:fixed;inset:108px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:10px 20px 24px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);transform:translateY(-130%);transition:.3s;z-index:-1}
  .menu.open{transform:none}
  .menu li a{display:block;padding:14px 0;border-bottom:1px solid var(--line)}
  .menu .btn{margin-top:14px;justify-content:center;border-bottom:0}
  .burger.open span:nth-child(1){transform:translateY(8px) rotate(45deg)}
  .burger.open span:nth-child(2){opacity:0}
  .burger.open span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
  .grid-3,.steps{grid-template-columns:1fr}
}
@media (max-width:600px){
  body{font-size:16px}
  .section{padding:68px 0}
  .hero{padding:60px 0 72px}
  .logo img{height:62px}.nav{height:86px}.menu{inset:86px 0 auto 0}
  html{scroll-padding-top:98px}
  .calc,.form{padding:24px}
  .grid-2,.grid-4,.stats,.form .row,.footer-grid{grid-template-columns:1fr}
  .seg{grid-template-columns:repeat(2,1fr)}
  .calc-result .rate{font-size:2.4rem}
}

/* ---- Hero: Schwerpunkte + Versicherung daneben ---- */
.hero-services{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:28px}
.hero-services a{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:14px 16px;color:var(--ink);text-decoration:none!important;transition:.2s}
.hero-services a:hover{border-color:var(--red);box-shadow:var(--shadow)}
.hero-services .hs-main{border-left:3px solid var(--red)}
.hero-services .hs-main strong{display:block;font-family:var(--display);font-weight:500;font-size:1.02rem;line-height:1.25}
.hero-services small{display:block;color:var(--muted);font-size:.82rem;line-height:1.3;margin-top:2px}
.hero-services .hs-side{grid-column:1/-1;background:transparent;border-style:dashed;padding:10px 16px;font-size:.92rem;color:var(--text)}
.hero-services .hs-side strong{color:var(--ink)}
.hero-services .hs-side .hs-icon{flex-basis:32px;height:32px;background:transparent}
.hero-services .hs-side .hs-icon svg{stroke:var(--gold-text)}
.hs-icon{flex:0 0 42px;height:42px;border-radius:10px;background:var(--red-tint);display:grid;place-items:center}
.hs-icon svg{width:22px;height:22px;stroke:var(--red);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.hs-arrow{margin-left:auto;color:var(--red);font-weight:700;transition:.2s}
.hero-services a:hover .hs-arrow{transform:translateX(3px)}

/* ---- Leistungen: zwei Hauptbereiche + Versicherung ---- */
.services-main{gap:26px}
.card-lg{padding:40px 38px;border-top:3px solid var(--red)}
.card-lg h3{font-size:1.6rem;font-weight:700}
.card-lg p{font-size:1.02rem}
.card ul.cols{display:grid;grid-template-columns:1fr 1fr;column-gap:16px;margin-bottom:28px}
.card-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:auto}
.card-side{flex-direction:row;align-items:center;gap:24px;margin-top:26px;padding:26px 32px;background:var(--bg-soft);box-shadow:none}
.card-side:hover{transform:none;box-shadow:var(--shadow)}
.card-side .icon{margin:0;flex:0 0 54px;background:#fff}
.card-side .icon svg{stroke:var(--gold-text)}
.card-side .side-text{flex:1}
.card-side h3{margin-bottom:4px}
.card-side p{margin:0}
.card-side .btn{flex:0 0 auto}
@media (max-width:860px){.card-side{flex-direction:column;align-items:flex-start}}
@media (max-width:600px){.hero-services{grid-template-columns:1fr}.card-lg{padding:28px 24px}.card ul.cols{grid-template-columns:1fr}}

.hero .eyebrow::before{display:none}

/* ---- Handy: Schnellnavigation am unteren Rand ---- */
.quicknav{display:none}
@media (max-width:860px){
  .quicknav{display:grid;grid-template-columns:repeat(5,1fr);position:fixed;left:0;right:0;bottom:0;z-index:60;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(16,24,40,.06);padding:6px 4px calc(6px + env(safe-area-inset-bottom,0px))}
  .quicknav a{display:flex;flex-direction:column;align-items:center;gap:3px;padding:6px 2px;border-radius:10px;color:var(--muted);font-size:.68rem;font-weight:600;text-decoration:none!important;transition:.15s;-webkit-tap-highlight-color:transparent}
  .quicknav svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
  .quicknav a.active{color:var(--red);background:var(--red-tint)}
  .quicknav a.qn-cta{color:#fff;background:var(--red)}
  .quicknav a.qn-cta.active{background:var(--red-dark);color:#fff}
  body{padding-bottom:calc(72px + env(safe-area-inset-bottom,0px))}
}

/* ---- Rechtliche Seiten: Listen & Zwischenüberschriften ---- */
.legal h2{padding-top:1.4em;border-top:1px solid var(--line)}
.legal > h2:first-child{border-top:0;padding-top:0;margin-top:0}
.legal h3{font-size:1.05rem;margin-top:1.6em}
.legal p,.legal li{color:var(--text)}
.legal-list{list-style:none;padding:0;margin:0 0 1em;display:grid;gap:12px}
.legal-list li{padding-left:18px;position:relative}
.legal-list li::before{content:"";position:absolute;left:0;top:.65em;width:7px;height:7px;border-radius:50%;background:var(--gold)}
.legal-list.compact{gap:6px}
[hidden]{display:none!important}

/* ---- Teamfotos (liegen über den Initialen) ---- */
.avatar{position:relative;overflow:hidden}
.avatar img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 25%;border-radius:50%}

/* ---- Partner-Karten als Links ---- */
.partner-card{color:var(--text);text-decoration:none!important}
.partner-card h3{color:var(--ink)}
.partner-card .more{color:var(--red);font-weight:600;margin-top:auto}
.partner-card:hover h3{color:var(--red)}

/* =========================================================
   HANDY & TABLET – durchgehend einspaltig, nichts ragt über den Rand
   ========================================================= */
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
html,body{overflow-x:hidden}
/* Grid-Kinder dürfen schrumpfen (verhindert seitliches Überlaufen) */
.grid-2>*,.grid-3>*,.grid-4>*,.split>*,.contact>*,.calc>*,.hero .container>*,.stats>*,.steps>*,.team>*,.footer-grid>*{min-width:0}
.btn{white-space:normal;text-align:center}
img,svg,iframe{max-width:100%}

@media (max-width:860px){
  .container{padding:0 20px}
  .section{padding:64px 0}
  .hero{padding:48px 0 60px}
  .hero::before,.hero::after{display:none}
  .hero .container,.calc,.split,.contact,
  .grid-2,.grid-3,.grid-4,.services-main,.stats,.steps,.hero-services,.footer-grid{grid-template-columns:1fr}
  .split,.contact,.hero .container{gap:36px}
  .team{grid-template-columns:1fr;max-width:340px;margin:0 auto}
  .section-head{margin-bottom:36px}
  h1{font-size:2.15rem;line-height:1.15}
  h2{font-size:1.75rem}
  .hero .lead{font-size:1.06rem}
  .hero-actions .btn,.card-actions .btn{width:100%;justify-content:center}
  .card-actions{flex-direction:column}
  .card,.card-lg{padding:26px 22px}
  .card-lg h3{font-size:1.4rem}
  .card ul.cols{grid-template-columns:1fr}
  .card-side{flex-direction:column;align-items:flex-start;padding:24px 22px}
  .card-side .btn{width:100%;justify-content:center}
  .calc{padding:22px;gap:24px}
  .calc-result{padding:24px}
  .calc-result .rate{font-size:2.3rem}
  .seg{grid-template-columns:repeat(2,minmax(0,1fr))}
  .form{padding:24px 20px}
  .form .row{grid-template-columns:1fr;gap:0}
  .hero-card{padding:26px 22px}
  .footer-bottom{flex-direction:column;gap:6px}
  .partner-card .more{margin-top:12px}
}
@media (max-width:380px){
  .container{padding:0 16px}
  h1{font-size:1.9rem}
  h2{font-size:1.55rem}
  .calc{padding:18px}
  .calc-result .rate{font-size:2rem}
  .quicknav a{font-size:.6rem}
  .quicknav svg{width:20px;height:20px}
}

/* =========================================================
   HANDY v2 – größer & klarer (angelehnt an QUINZZ mobil)
   ========================================================= */
/* Logo darf nie gestaucht werden (iOS-Safari-Flexbox) */
.logo{flex:0 0 auto;min-width:0}
.logo img{flex-shrink:0;width:auto;max-width:none;object-fit:contain;align-self:center}

@media (max-width:860px){
  body{font-size:17.5px;line-height:1.6}
  .nav{height:84px}
  .logo img{height:auto;width:min(235px,62vw);max-height:72px}
  .menu{inset:84px 0 auto 0}
  html{scroll-padding-top:96px}
  .burger{width:48px;height:48px;padding:11px}
  .burger span{height:2.5px}
  .menu a{font-size:1.1rem}

  .eyebrow{font-size:.8rem;letter-spacing:.12em;line-height:1.5}
  h1{font-size:2.45rem;line-height:1.12}
  h2{font-size:2rem;line-height:1.18}
  h3{font-size:1.25rem}
  .hero .lead,.section-head p{font-size:1.1rem}
  .card p,.card ul,.step p,.faq details p,.stat span,.calc-result dt,.contact p{font-size:1.05rem}
  .card-lg h3{font-size:1.55rem}

  .btn{font-size:1.08rem;padding:16px 24px;min-height:56px;justify-content:center}
  .hero-services a{padding:16px 18px}
  .hero-services .hs-main strong{font-size:1.15rem}
  .hero-services small{font-size:.92rem}
  .hero-services .hs-side{font-size:1rem}
  .badges li{font-size:.95rem;padding:8px 14px}

  .hero-card .big,.calc-result .rate{font-size:2.8rem}
  .stat strong{font-size:2.6rem}
  .field label{font-size:1.05rem}
  .field output{font-size:1.2rem}
  input[type=range]{height:28px}
  .seg button{padding:14px 8px;font-size:1rem}

  .faq summary{font-size:1.06rem;padding:20px 52px 20px 20px}
  .form label{font-size:1rem}
  .form input,.form select,.form textarea{font-size:16.5px;padding:15px 14px}
  .member h3{font-size:1.3rem}
  .member .role{font-size:1.02rem}
  .avatar{width:160px;height:160px}

  .site-footer{font-size:1rem}
  .footer-logo{width:min(220px,60vw);height:auto}
  .quicknav a{font-size:.74rem}
  .quicknav svg{width:24px;height:24px}
  body{padding-bottom:calc(78px + env(safe-area-inset-bottom,0px))}
}
@media (max-width:380px){
  body{font-size:16.5px}
  h1{font-size:2.1rem}
  h2{font-size:1.7rem}
  .logo img{width:min(205px,60vw)}
  .quicknav a{font-size:.66rem}
}

/* ---- Partner-Logos ---- */
.partner-logo{height:72px;display:flex;align-items:center;margin-bottom:18px}
.partner-logo img{max-height:64px;width:auto;max-width:100%;object-fit:contain}
.partner-logo .icon{margin:0}
.partner-logo img.logo-wide{max-height:44px}

/* Kein Goldstrich vor den Abschnittslabels in "Unser Partner" und "Über uns" */
.split .eyebrow::before{display:none}

/* Startseite: Zeile über der Überschrift im Logo-Gold */
.hero .eyebrow{color:var(--gold)}

/* ---- Startseite: Versicherungen & Geldanlage als Nebenthemen ---- */
.hs-more{grid-column:1/-1;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.hs-more-label{font-size:.9rem;color:var(--muted);font-weight:500;margin-right:2px}
.hero-services .hs-more .hs-side{grid-column:auto;flex:1 1 180px;padding:10px 14px;font-size:.95rem}
/* ---- Leistungen: zwei Nebenthemen nebeneinander ---- */
.side-row{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:26px}
.side-row .card-side{margin-top:0;flex-direction:column;align-items:flex-start;gap:14px}
.side-row .card-side .btn{margin-top:auto}
@media (max-width:860px){
  .side-row{grid-template-columns:1fr}
  .hs-more{flex-direction:column;align-items:stretch}
  .hs-more-label{margin:4px 0 0}
  .hero-services .hs-more .hs-side{flex:none;padding:14px 16px;font-size:1rem}
}

/* ---- Navigation: ab Tablet-/kleiner Laptopbreite Burger-Menü (mehr Menüpunkte) ---- */
@media (min-width:1181px){.menu{gap:22px}.menu a{font-size:.93rem}}
@media (max-width:1180px){
  .burger{display:block}
  .menu{position:fixed;inset:108px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:10px 24px 24px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);transform:translateY(-130%);transition:.3s;z-index:-1}
  .menu.open{transform:none}
  .menu li a{display:block;padding:14px 0;border-bottom:1px solid var(--line)}
  .menu .btn{margin-top:14px;justify-content:center;border-bottom:0}
  .burger.open span:nth-child(1){transform:translateY(8px) rotate(45deg)}
  .burger.open span:nth-child(2){opacity:0}
  .burger.open span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
}
@media (max-width:860px){.menu{inset:84px 0 auto 0}}
.menu .btn{white-space:nowrap}
@media (min-width:1181px) and (max-width:1320px){.menu{gap:16px}.menu a{font-size:.88rem}.menu .btn{padding:10px 16px}}

/* =========================================================
   BREMEN-FOTOS (Bildplätze; fehlt ein Bild, verschwindet der Platz)
   ========================================================= */
.hero-side{display:flex;flex-direction:column;min-width:0}
.hero-photo{margin:0;border-radius:var(--radius);overflow:hidden;aspect-ratio:4/3;box-shadow:var(--shadow-lg);max-width:100%}
.hero-photo img{width:100%;height:100%;object-fit:cover;display:block}
.hero-photo + .hero-card{margin:-70px 24px 0;position:relative;z-index:2}

.photo-band{position:relative;min-height:340px;display:flex;align-items:flex-end;overflow:hidden;background:var(--ink)}
.photo-band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.photo-band::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(22,25,30,0) 30%,rgba(22,25,30,.72) 100%)}
.photo-band .container{position:relative;z-index:1;width:100%;padding-bottom:40px}
.photo-band-text{font-family:var(--display);font-weight:700;color:#fff;font-size:clamp(1.6rem,3.2vw,2.4rem);line-height:1.2;margin:0}
.photo-band-text span{color:var(--gold)}

.about-side{display:flex;flex-direction:column;gap:18px;min-width:0}
.about-photo{margin:0;border-radius:var(--radius);overflow:hidden;aspect-ratio:16/9;box-shadow:var(--shadow);max-width:100%}
.about-photo img{width:100%;height:100%;object-fit:cover;display:block}

@media (max-width:860px){
  .hero-photo{aspect-ratio:16/10}
  .hero-photo + .hero-card{margin:-48px 12px 0}
  .photo-band{min-height:260px}
  .photo-band .container{padding-bottom:28px}
}

/* ---- Bildnachweis unter Fotos ---- */
.photo-credit{font-size:.72rem;color:var(--muted);text-align:right;margin:6px auto 0;opacity:.85}
.photo-credit a{color:var(--muted);text-decoration:underline;text-underline-offset:2px}
.photo-credit a:hover{color:var(--red)}
.photo-band{object-position:center}
.photo-band img{object-position:40% 55%}
.photo-band{min-height:420px}
.photo-band img{object-position:40% 40%}
.photo-band-text{text-shadow:0 2px 14px rgba(0,0,0,.45)}
@media (max-width:860px){.photo-band{min-height:280px}.photo-band img{object-position:45% 40%}}
.hero-side .photo-credit{margin:10px 24px 0;padding:0}
@media (max-width:860px){.hero-side .photo-credit{margin:8px 12px 0}}
.about-photo-wrap{margin:0}
.about-photo-wrap .photo-credit{margin:6px 0 0;padding:0}

/* Telefonsymbol weiß im roten Button */
.ico-phone{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:0 0 auto}

/* ---- Kennzahl auf Versicherungs-/Geldanlage-Karte ---- */
.card-side .side-stat{margin:0 0 8px;font-size:.92rem;color:var(--text)!important}
.card-side .side-stat strong{font-family:var(--display);color:var(--gold);font-size:1.05rem;margin-right:4px}

/* ---- Fördermittel-Hinweis in der Finanzierungskarte ---- */
.foerder-note{background:#faf6ec;border-left:3px solid var(--gold);border-radius:8px;padding:12px 14px;font-size:.95rem;color:var(--text)!important;margin:0 0 18px}
.foerder-note strong{color:var(--ink)}

.stat strong .stat-pre{font-size:.5em;font-weight:600;color:var(--gold);margin-right:2px;vertical-align:.25em}

/* ---- Social-Media-Symbole ---- */
.social{display:flex;gap:10px;margin-top:14px}
.social a{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--bg-soft);border:1px solid var(--line);color:var(--ink);transition:.2s}
.social a:hover{background:var(--red);border-color:var(--red);color:#fff;text-decoration:none}
.social svg{width:18px;height:18px;fill:currentColor}
.social a[href^="LINK_"]{display:none}
.social-label{margin:14px 0 0!important;font-size:.9rem;color:var(--muted)}
.contact-box .social-label:has(+ .social:not(:has(a:not([href^="LINK_"])))){display:none}