/* ===============================================
   Festgeld Kapital v10 — Teal + Deep Navy
   Bento · Pill · Centered Hero · Multi-step Form
   Manrope · oval rounded · floating animations
   =============================================== */

:root {
  /* Brand: Teal (from logo) */
  --teal:        #14B8A6;
  --teal-2:      #2DD4BF;
  --teal-3:      #5EEAD4;
  --teal-deep:   #0D9488;
  --teal-darker: #115E59;
  --teal-soft:   #CCFBF1;
  --teal-tint:   #F0FDFA;

  /* Deep Navy Blue (from logo) */
  --navy:        #1E3A8A;
  --navy-2:      #1E40AF;
  --navy-deep:   #172554;
  --navy-soft:   #DBEAFE;
  --navy-tint:   #EFF6FF;

  /* Surfaces */
  --bg:          #FFFFFF;
  --bg-warm:     #FAFAF7;
  --bg-cool:     #F0FDFA;
  --bg-mint:     #ECFDF5;
  --bg-slate:    #F8FAFC;

  /* Text */
  --ink:         #0F172A;
  --ink-2:       #334155;
  --ink-3:       #64748B;
  --ink-4:       #94A3B8;

  /* Border */
  --line:        #E2E8F0;
  --line-2:      #CBD5E1;

  /* Status */
  --ok:          #10B981;
  --bad:         #DC2626;
  --star:        #F59E0B;

  /* Type */
  --font: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* Geometry — oval/pill heavy */
  --r-xs:   8px;
  --r-sm:   14px;
  --r-md:   22px;
  --r-lg:   32px;
  --r-xl:   42px;
  --r-pill: 999px;

  --shadow-xs: 0 1px 2px rgba(15,23,42,0.04);
  --shadow-sm: 0 2px 8px rgba(15,23,42,0.05);
  --shadow:    0 8px 24px rgba(15,23,42,0.08);
  --shadow-lg: 0 24px 56px rgba(15,23,42,0.12);
  --shadow-teal: 0 14px 32px rgba(20,184,166,0.35);
  --shadow-navy: 0 14px 32px rgba(30,58,138,0.28);
  --shadow-card: 0 4px 12px rgba(15,23,42,0.05), 0 1px 3px rgba(15,23,42,0.03);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-weight: 400;
  font-size: 16px;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
::selection { background: var(--teal); color: #fff; }
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  margin: 0;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.025em;
  color: var(--ink);
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { display: block; max-width: 100%; height: auto; }

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===========================================
   TOP STRIPE
   =========================================== */
.top-stripe {
  height: 5px;
  background: linear-gradient(90deg, var(--teal-darker) 0%, var(--teal) 50%, var(--teal-2) 100%);
}

/* ===========================================
   ANNOUNCE
   =========================================== */
.announce {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.85);
  font-size: 13px;
  padding: 10px 0;
  text-align: center;
  font-weight: 500;
  letter-spacing: 0.01em;
}
.announce strong { font-weight: 700; color: var(--teal-3); }
.announce-dot {
  display: inline-block;
  width: 8px; height: 8px;
  background: var(--teal-2);
  border-radius: 50%;
  margin-right: 10px;
  vertical-align: middle;
  animation: pulse-teal 2s ease-in-out infinite;
}
@keyframes pulse-teal {
  0%, 100% { box-shadow: 0 0 0 0 rgba(45,212,191,0.7); }
  50% { box-shadow: 0 0 0 8px rgba(45,212,191,0); }
}

/* ===========================================
   HEADER — Floating pill style
   =========================================== */
header {
  background: var(--bg);
  position: sticky;
  top: 0;
  z-index: 100;
  transition: all .25s ease;
  border-bottom: 1px solid transparent;
  padding: 18px 0;
}
header.scrolled {
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(12px);
  border-bottom-color: var(--line);
  box-shadow: var(--shadow-xs);
  padding: 12px 0;
}
.nav {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 28px;
}

.logo {
  display: flex;
  align-items: center;
  transition: transform .3s ease;
  flex-shrink: 0;
}
.logo img {
  height: 50px;
  width: auto;
  display: block;
  transition: filter .3s ease;
}
header.scrolled .logo img { height: 42px; }
.logo:hover { transform: scale(1.03); }

/* Pill nav links */
.nav-links {
  display: flex;
  gap: 4px;
  font-size: 14.5px;
  font-weight: 600;
  align-items: center;
  justify-content: center;
  background: var(--bg-slate);
  border-radius: var(--r-pill);
  padding: 5px;
  border: 1px solid var(--line);
}
.nav-links a {
  color: var(--ink-2);
  padding: 9px 18px;
  border-radius: var(--r-pill);
  transition: all .25s ease;
}
.nav-links a:hover {
  color: var(--teal-darker);
  background: var(--bg);
}
.nav-links a.active {
  background: var(--navy-deep);
  color: var(--teal-3);
  box-shadow: var(--shadow);
}

/* Right side */
.nav-right {
  display: flex;
  align-items: center;
  gap: 16px;
}
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  transition: color .2s;
  font-size: 14.5px;
  font-weight: 700;
}
.nav-phone:hover { color: var(--teal-darker); }
.nav-phone svg {
  width: 18px; height: 18px;
  color: var(--teal);
  flex-shrink: 0;
}

.nav-cta {
  background: var(--navy-deep);
  color: #fff;
  padding: 12px 26px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 700;
  transition: all .25s ease;
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  position: relative;
  overflow: hidden;
}
.nav-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  opacity: 0;
  transition: opacity .25s ease;
  z-index: 0;
}
.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-teal);
}
.nav-cta:hover::before { opacity: 1; }
.nav-cta > * { position: relative; z-index: 1; }
.nav-cta svg { width: 14px; height: 14px; transition: transform .25s; }
.nav-cta:hover svg { transform: translateX(3px); }

.nav-toggle {
  display: none;
  background: var(--navy-deep);
  width: 44px; height: 44px;
  border-radius: var(--r-pill);
  place-items: center;
  cursor: pointer;
}
.nav-toggle svg { width: 22px; height: 22px; color: var(--teal-3); }

/* ===========================================
   HERO — Centered with floating cards
   =========================================== */
.hero {
  position: relative;
  overflow: hidden;
  padding: 80px 0 140px;
  background: var(--bg-warm);
  text-align: center;
}
/* Decorative shapes */
.hero::before {
  content: "";
  position: absolute;
  top: 80px; left: -150px;
  width: 380px; height: 380px;
  background: radial-gradient(circle, var(--teal-soft) 0%, transparent 60%);
  filter: blur(40px);
  animation: float-blob 18s ease-in-out infinite;
}
.hero::after {
  content: "";
  position: absolute;
  bottom: 0; right: -150px;
  width: 420px; height: 420px;
  background: radial-gradient(circle, var(--navy-soft) 0%, transparent 60%);
  filter: blur(50px);
  animation: float-blob 22s ease-in-out infinite reverse;
}
@keyframes float-blob {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(40px, -30px) scale(1.1); }
  66% { transform: translate(-30px, 30px) scale(0.95); }
}

/* Floating decorative circles */
.float-circle {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}
.float-circle.c1 {
  top: 18%; left: 12%;
  width: 12px; height: 12px;
  background: var(--teal);
  animation: float-up 6s ease-in-out infinite;
}
.float-circle.c2 {
  top: 30%; right: 14%;
  width: 8px; height: 8px;
  background: var(--navy);
  animation: float-up 8s ease-in-out infinite -2s;
}
.float-circle.c3 {
  bottom: 30%; left: 18%;
  width: 16px; height: 16px;
  border: 2px solid var(--teal-2);
  animation: float-up 7s ease-in-out infinite -4s;
}
.float-circle.c4 {
  bottom: 18%; right: 22%;
  width: 10px; height: 10px;
  background: var(--teal-deep);
  animation: float-up 9s ease-in-out infinite -1s;
}
@keyframes float-up {
  0%, 100% { transform: translateY(0); opacity: 0.6; }
  50% { transform: translateY(-20px); opacity: 1; }
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 880px;
  margin: 0 auto;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 18px 7px 8px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 700;
  color: var(--ink-2);
  margin-bottom: 28px;
  box-shadow: var(--shadow-xs);
}
.hero-eyebrow .badge {
  background: var(--teal);
  color: #fff;
  padding: 3px 10px;
  border-radius: var(--r-pill);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.hero h1 {
  font-size: clamp(40px, 6.5vw, 76px);
  font-weight: 800;
  line-height: 1.02;
  letter-spacing: -0.035em;
  color: var(--ink);
  margin-bottom: 24px;
}
.hero h1 .grad {
  background: linear-gradient(135deg, var(--teal-deep) 0%, var(--teal) 50%, var(--navy) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  display: inline-block;
}
.hero-lede {
  font-size: 18px;
  color: var(--ink-2);
  max-width: 620px;
  margin: 0 auto 36px;
  line-height: 1.65;
}
.hero-cta-row {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 64px;
}

/* Pill buttons */
.btn-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 32px;
  border-radius: var(--r-pill);
  font-size: 14.5px;
  font-weight: 700;
  letter-spacing: 0.01em;
  transition: all .3s cubic-bezier(0.16, 1, 0.3, 1);
  white-space: nowrap;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.btn-pill svg {
  width: 16px; height: 16px;
  transition: transform .3s ease;
  flex-shrink: 0;
}
.btn-pill:hover svg { transform: translateX(4px); }
.btn-pill-teal {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  box-shadow: var(--shadow-teal);
}
.btn-pill-teal:hover {
  transform: translateY(-2px);
  box-shadow: 0 22px 48px rgba(20,184,166,0.45);
}
.btn-pill-navy {
  background: var(--navy-deep);
  color: #fff;
}
.btn-pill-navy:hover {
  background: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-navy);
}
.btn-pill-ghost {
  background: var(--bg);
  color: var(--ink);
  border: 1.5px solid var(--line);
}
.btn-pill-ghost:hover {
  border-color: var(--teal);
  color: var(--teal-darker);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

/* Hero floating metric cards */
.hero-metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  max-width: 880px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}
.metric-pill {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 26px 24px;
  text-align: left;
  display: flex;
  gap: 18px;
  align-items: center;
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: var(--shadow-card);
  position: relative;
  overflow: hidden;
}
.metric-pill::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--teal-2));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.metric-pill:hover {
  transform: translateY(-6px);
  border-color: var(--teal);
  box-shadow: var(--shadow-lg);
}
.metric-pill:hover::before { transform: scaleX(1); }
.metric-pill .mp-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--teal-tint) 0%, var(--teal-soft) 100%);
  color: var(--teal-darker);
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  transition: all .3s ease;
}
.metric-pill:hover .mp-icon {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  transform: rotate(-6deg) scale(1.05);
}
.metric-pill .mp-icon svg { width: 22px; height: 22px; }
.metric-pill .mp-text { min-width: 0; }
.metric-pill .mp-text .num {
  font-size: 26px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.025em;
  font-variant-numeric: tabular-nums;
  display: block;
  line-height: 1;
  margin-bottom: 4px;
}
.metric-pill .mp-text .lbl {
  font-size: 13px;
  color: var(--ink-3);
  font-weight: 500;
}

/* ===========================================
   SECTION COMMONS
   =========================================== */
.section { padding: 100px 0; }
.section-alt { background: var(--bg-warm); }
.section-cool { background: var(--bg-cool); }
.section-dark { background: var(--navy-deep); color: #fff; }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 60px;
}
.section-head .eyebrow {
  display: inline-block;
  padding: 6px 16px;
  background: var(--teal-soft);
  color: var(--teal-darker);
  border-radius: var(--r-pill);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.section-dark .eyebrow {
  background: rgba(45,212,191,0.15);
  color: var(--teal-3);
}
.section-head h2 {
  font-size: clamp(34px, 5vw, 52px);
  margin-bottom: 14px;
  letter-spacing: -0.03em;
  color: var(--ink);
  font-weight: 800;
}
.section-dark .section-head h2 { color: #fff; }
.section-head p {
  color: var(--ink-3);
  font-size: 17px;
  line-height: 1.65;
  margin: 0;
}
.section-dark .section-head p { color: rgba(255,255,255,0.65); }

/* ===========================================
   BANK LIST — Sacred position, oval pill style
   =========================================== */
.banks-section {
  padding: 90px 0 70px;
  background: var(--bg);
  position: relative;
}

.bank-list {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.bank-item {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 26px 32px 22px;
  position: relative;
  transition: all .3s cubic-bezier(0.16, 1, 0.3, 1);
  overflow: hidden;
}
.bank-item::before {
  content: "";
  position: absolute;
  top: 0; left: -100%;
  width: 100%; height: 100%;
  background: linear-gradient(90deg, var(--teal-tint) 0%, transparent 100%);
  opacity: 0;
  transition: all .5s ease;
  pointer-events: none;
}
.bank-item:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}
.bank-item:hover::before { left: 0; opacity: 0.4; }
.bank-item > * { position: relative; z-index: 1; }

.bank-badge {
  position: absolute;
  top: -10px;
  left: 26px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.06em;
  padding: 5px 14px;
  border-radius: var(--r-pill);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: var(--shadow-teal);
  text-transform: uppercase;
  z-index: 2;
}
.bank-badge::before { content: "★"; font-size: 10px; }

.bank-top {
  display: grid;
  grid-template-columns: 240px 1fr 160px;
  gap: 24px;
  align-items: center;
  margin-bottom: 16px;
}
.bi-logo { display: flex; align-items: center; gap: 14px; }
.bi-logo-img {
  width: 52px;
  height: 52px;
  background: var(--teal-tint);
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.bi-logo-img img { max-width: 44px; max-height: 44px; object-fit: contain; }
.bi-logo-img.no-logo {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  font-size: 22px;
  font-weight: 800;
  text-transform: uppercase;
}
.bi-text { min-width: 0; }
.bi-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 4px;
  letter-spacing: -0.01em;
}
.bi-rating-line {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  color: var(--ink-3);
  flex-wrap: wrap;
}
.bi-stars { color: var(--star); letter-spacing: 1px; font-size: 13px; }

.bi-metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.metric-box {
  background: var(--bg-slate);
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  padding: 10px 12px;
  transition: all .2s ease;
}
.metric-box.primary {
  border-color: var(--teal);
  background: var(--teal-tint);
}
.metric-box .lbl {
  font-size: 11px;
  color: var(--ink-3);
  font-weight: 500;
  margin-bottom: 4px;
}
.metric-box .val {
  font-size: 16px;
  font-weight: 800;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.metric-box.primary .val { color: var(--teal-darker); }

.bi-cta {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  padding: 14px 22px;
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-align: center;
  transition: all .25s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  white-space: nowrap;
  box-shadow: var(--shadow-teal);
  width: 100%;
  min-height: 50px;
  border: none;
  cursor: pointer;
  font-family: inherit;
}
.bi-cta:hover {
  background: var(--navy-deep);
  transform: translateY(-2px);
  box-shadow: var(--shadow-navy);
}
.bi-cta svg { width: 14px; height: 14px; transition: transform .25s; }
.bi-cta:hover svg { transform: translateX(3px); }

.bank-bottom {
  display: flex;
  justify-content: space-around;
  padding-top: 14px;
  border-top: 1px solid var(--line);
  flex-wrap: wrap;
  gap: 10px;
}
.bb-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--ink-2);
  font-weight: 500;
}
.bb-item svg {
  width: 16px; height: 16px;
  color: var(--teal-deep);
  flex-shrink: 0;
}

/* ===========================================
   BENTO VORTEILE — Different sized cards
   =========================================== */
.bento-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-template-rows: auto auto;
  gap: 20px;
}
.bento-card {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 36px;
  position: relative;
  overflow: hidden;
  transition: all .4s cubic-bezier(0.16, 1, 0.3, 1);
}
.bento-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

/* Large card spanning 2 cols */
.bento-card.large {
  grid-column: span 2;
}
/* Featured colored card */
.bento-card.featured {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #fff;
  border-color: transparent;
  position: relative;
}
.bento-card.featured::before {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(20,184,166,0.30), transparent 60%);
}
.bento-card.featured::after {
  content: "";
  position: absolute;
  bottom: -80px; left: -80px;
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(45,212,191,0.20), transparent 60%);
}
.bento-card.featured > * { position: relative; z-index: 1; }
.bento-card.featured h3 { color: #fff; }
.bento-card.featured p { color: rgba(255,255,255,0.75); }
.bento-card.featured .bento-icon {
  background: var(--teal);
  color: var(--navy-deep);
}

.bento-card.teal-bg {
  background: linear-gradient(135deg, var(--teal-tint) 0%, var(--teal-soft) 100%);
  border-color: var(--teal-soft);
}

.bento-icon {
  width: 64px; height: 64px;
  background: var(--teal-tint);
  color: var(--teal-darker);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  margin-bottom: 22px;
  transition: all .35s ease;
}
.bento-card:hover .bento-icon {
  transform: rotate(-8deg) scale(1.05);
}
.bento-card.featured:hover .bento-icon {
  background: var(--teal-2);
}
.bento-icon svg { width: 28px; height: 28px; }

.bento-card h3 {
  font-size: 22px;
  margin-bottom: 12px;
  letter-spacing: -0.015em;
  color: var(--ink);
}
.bento-card p {
  font-size: 14.5px;
  color: var(--ink-3);
  line-height: 1.65;
  margin: 0;
}
.bento-card.large p { font-size: 15.5px; max-width: 480px; }

.bento-card .bento-stat {
  display: flex;
  align-items: baseline;
  gap: 8px;
  margin-top: 22px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
}
.bento-card.featured .bento-stat { border-top-color: rgba(255,255,255,0.10); }
.bento-card .bento-stat .num {
  font-size: 36px;
  font-weight: 800;
  color: var(--teal-darker);
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
}
.bento-card.featured .bento-stat .num { color: var(--teal-3); }
.bento-card .bento-stat .sub {
  font-size: 13px;
  color: var(--ink-3);
}
.bento-card.featured .bento-stat .sub { color: rgba(255,255,255,0.60); }

/* ===========================================
   ANFRAGE — Multi-step form wizard
   =========================================== */
.anfrage-section {
  padding: 110px 0;
  background: var(--bg-cool);
  position: relative;
  overflow: hidden;
}
.anfrage-section::before {
  content: "";
  position: absolute;
  top: -200px; left: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, var(--teal-soft) 0%, transparent 60%);
  filter: blur(60px);
}
.anfrage-section::after {
  content: "";
  position: absolute;
  bottom: -200px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, var(--navy-soft) 0%, transparent 60%);
  filter: blur(60px);
}

.wizard-card {
  max-width: 760px;
  margin: 0 auto;
  background: var(--bg);
  border-radius: var(--r-xl);
  padding: 48px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
  position: relative;
  z-index: 1;
  overflow: hidden;
}
.wizard-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--teal-deep) 0%, var(--teal) 50%, var(--teal-2) 100%);
}

/* Progress indicator */
.wizard-progress {
  display: flex;
  justify-content: space-between;
  margin-bottom: 36px;
  position: relative;
  padding: 0 24px;
}
.wizard-progress::before {
  content: "";
  position: absolute;
  top: 18px;
  left: 36px; right: 36px;
  height: 2px;
  background: var(--line);
  z-index: 0;
}
.wizard-progress::after {
  content: "";
  position: absolute;
  top: 18px;
  left: 36px;
  height: 2px;
  background: linear-gradient(90deg, var(--teal-deep) 0%, var(--teal) 100%);
  z-index: 1;
  transition: width .5s cubic-bezier(0.16, 1, 0.3, 1);
  width: 0;
}
.wizard-progress[data-step="1"]::after { width: 0; }
.wizard-progress[data-step="2"]::after { width: calc(50% - 36px); }
.wizard-progress[data-step="3"]::after { width: calc(100% - 72px); }
.wizard-progress[data-step="4"]::after { width: calc(100% - 72px); }

.wizard-step-indicator {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.wsi-circle {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--bg);
  border: 2px solid var(--line);
  display: grid;
  place-items: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--ink-3);
  transition: all .3s ease;
}
.wizard-step-indicator.done .wsi-circle,
.wizard-step-indicator.active .wsi-circle {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  border-color: var(--teal);
  color: #fff;
  box-shadow: var(--shadow-teal);
}
.wizard-step-indicator.done .wsi-circle::after { content: "✓"; }
.wizard-step-indicator.done .wsi-circle span { display: none; }
.wsi-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink-3);
  letter-spacing: 0.02em;
}
.wizard-step-indicator.done .wsi-label,
.wizard-step-indicator.active .wsi-label { color: var(--teal-darker); }

/* Step panels */
.wizard-step {
  display: none;
  animation: stepFade .4s cubic-bezier(0.16, 1, 0.3, 1);
}
.wizard-step.active { display: block; }
@keyframes stepFade {
  from { opacity: 0; transform: translateX(20px); }
  to { opacity: 1; transform: translateX(0); }
}

.wizard-step h3 {
  font-size: 26px;
  margin-bottom: 10px;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.wizard-step .step-intro {
  color: var(--ink-3);
  margin-bottom: 28px;
  font-size: 15px;
}

/* Pill option grid (Step 1 + 2) */
.pill-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 28px;
}
.pill-option {
  background: var(--bg);
  border: 2px solid var(--line);
  border-radius: var(--r-md);
  padding: 20px 22px;
  cursor: pointer;
  transition: all .3s ease;
  text-align: left;
  position: relative;
}
.pill-option:hover {
  border-color: var(--teal);
  background: var(--teal-tint);
  transform: translateY(-2px);
}
.pill-option.selected {
  border-color: var(--teal);
  background: linear-gradient(135deg, var(--teal-tint) 0%, var(--teal-soft) 100%);
}
.pill-option.selected::after {
  content: "✓";
  position: absolute;
  top: 16px; right: 16px;
  width: 24px; height: 24px;
  background: var(--teal);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 12px;
  font-weight: 700;
}
.pill-option .po-title {
  font-size: 16px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.01em;
  margin-bottom: 4px;
}
.pill-option .po-sub {
  font-size: 13px;
  color: var(--ink-3);
}
.pill-option.selected .po-sub { color: var(--teal-darker); font-weight: 600; }

/* Step 3 form fields */
.wizard-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.wizard-form .field { margin-bottom: 14px; }
.wizard-form label {
  display: block;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--ink-2);
  margin-bottom: 7px;
  letter-spacing: 0.01em;
}
.wizard-form label .req { color: var(--teal-darker); }
.wizard-form input:not([type="checkbox"]):not([type="hidden"]),
.wizard-form select,
.wizard-form textarea {
  width: 100%;
  padding: 14px 18px;
  font-size: 14.5px;
  background: var(--bg-slate);
  border: 1.5px solid var(--line);
  border-radius: var(--r-md);
  color: var(--ink);
  font-family: inherit;
  transition: all .2s;
}
.wizard-form input::placeholder { color: var(--ink-4); }
.wizard-form input:not([type="checkbox"]):focus,
.wizard-form select:focus,
.wizard-form textarea:focus {
  outline: none;
  border-color: var(--teal);
  background: var(--bg);
  box-shadow: 0 0 0 4px rgba(20,184,166,0.15);
}
.wizard-form textarea { resize: vertical; min-height: 90px; }
.wizard-form .check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 18px 0 0;
  font-size: 12.5px;
  color: var(--ink-3);
  line-height: 1.55;
}
.wizard-form .check input[type="checkbox"] {
  margin-top: 3px;
  flex-shrink: 0;
  accent-color: var(--teal);
  width: 16px;
  height: 16px;
}
.wizard-form .check a {
  color: var(--teal-darker);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}

/* Wizard buttons */
.wizard-buttons {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 28px;
  gap: 14px;
}
.wizard-buttons.start { justify-content: flex-end; }
.btn-wizard {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 700;
  transition: all .25s ease;
  cursor: pointer;
  font-family: inherit;
}
.btn-wizard svg { width: 14px; height: 14px; transition: transform .25s; }
.btn-back {
  background: var(--bg-slate);
  color: var(--ink-2);
  border: 1.5px solid var(--line);
}
.btn-back:hover { background: var(--bg); border-color: var(--line-2); }
.btn-back:hover svg { transform: translateX(-3px); }
.btn-next {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  border: none;
  box-shadow: var(--shadow-teal);
}
.btn-next:hover { transform: translateY(-1px); box-shadow: 0 18px 36px rgba(20,184,166,0.45); }
.btn-next:hover svg { transform: translateX(3px); }
.btn-next:disabled { opacity: 0.5; cursor: not-allowed; transform: none; }
.btn-submit {
  background: var(--navy-deep);
  color: #fff;
  border: none;
}
.btn-submit:hover { background: var(--navy); transform: translateY(-1px); box-shadow: var(--shadow-navy); }
.btn-submit:hover svg { transform: translateX(3px); }
.btn-submit:disabled { opacity: 0.6; cursor: not-allowed; }

.form-msg {
  margin-top: 14px;
  padding: 12px 16px;
  border-radius: var(--r-md);
  font-size: 13.5px;
  display: none;
}
.form-msg.show { display: block; }
.form-msg.error {
  background: #FEF2F2;
  color: #B91C1C;
  border-left: 4px solid var(--bad);
}

/* Step 4: Summary */
.wizard-summary {
  background: linear-gradient(135deg, var(--teal-tint) 0%, var(--teal-soft) 100%);
  border-radius: var(--r-md);
  padding: 22px 26px;
  margin: 20px 0 28px;
}
.wizard-summary h4 {
  font-size: 14px;
  color: var(--teal-darker);
  margin-bottom: 12px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-weight: 800;
}
.summary-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  font-size: 14px;
}
.summary-row + .summary-row { border-top: 1px dashed rgba(13,148,136,0.20); }
.summary-row .lbl { color: var(--ink-3); }
.summary-row .val { color: var(--ink); font-weight: 700; }

/* ===========================================
   KONDITIONEN — Table-style horizontal
   =========================================== */
.kond-wrap {
  background: var(--bg);
  border-radius: var(--r-lg);
  border: 1px solid var(--line);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.kond-row {
  display: grid;
  grid-template-columns: 140px 1.4fr 100px 140px 1fr 160px;
  align-items: center;
  gap: 20px;
  padding: 22px 28px;
  border-bottom: 1px solid var(--line);
  transition: all .25s ease;
  position: relative;
}
.kond-row:last-child { border-bottom: none; }
.kond-row:hover {
  background: var(--teal-tint);
}
.kond-row.featured {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #fff;
  position: relative;
}
.kond-row.featured::before {
  content: "TOP";
  position: absolute;
  top: 50%;
  left: -22px;
  transform: translateY(-50%) rotate(-90deg);
  background: var(--teal);
  color: #fff;
  font-size: 10px;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: var(--r-pill);
  letter-spacing: 0.10em;
}
.kond-row.head {
  background: var(--bg-slate);
  font-size: 11px;
  font-weight: 800;
  color: var(--ink-3);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding-top: 18px;
  padding-bottom: 18px;
}
.kond-row.head:hover { background: var(--bg-slate); }
.kond-term {
  font-size: 18px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.kond-row.featured .kond-term { color: #fff; }
.kond-desc {
  font-size: 14.5px;
  color: var(--ink-2);
  line-height: 1.55;
}
.kond-row.featured .kond-desc { color: rgba(255,255,255,0.80); }
.kond-min {
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.kond-row.featured .kond-min { color: var(--teal-3); }
.kond-rate {
  font-size: 28px;
  font-weight: 800;
  color: var(--teal-darker);
  letter-spacing: -0.025em;
  font-variant-numeric: tabular-nums;
  display: inline-flex;
  align-items: baseline;
  gap: 2px;
}
.kond-rate .pct { font-size: 0.55em; }
.kond-row.featured .kond-rate { color: var(--teal-3); }
.kond-features {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  font-size: 12.5px;
  color: var(--ink-3);
}
.kond-features span {
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.kond-features span::before {
  content: "✓";
  color: var(--teal);
  font-weight: 800;
}
.kond-row.featured .kond-features { color: rgba(255,255,255,0.65); }
.kond-row.featured .kond-features span::before { color: var(--teal-3); }
.kond-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 20px;
  background: var(--teal);
  color: #fff;
  border-radius: var(--r-pill);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.04em;
  transition: all .25s;
}
.kond-cta:hover { background: var(--teal-deep); transform: translateX(3px); box-shadow: var(--shadow-teal); }
.kond-row.featured .kond-cta { background: var(--teal-2); color: var(--navy-deep); }
.kond-row.featured .kond-cta:hover { background: #fff; }
.kond-cta svg { width: 12px; height: 12px; transition: transform .25s; }
.kond-cta:hover svg { transform: translateX(2px); }

/* ===========================================
   CALCULATOR — Visual playful
   =========================================== */
.calc-section {
  padding: 100px 0;
  background: var(--bg-warm);
  position: relative;
  overflow: hidden;
}
.calc-section::before {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, var(--teal-soft), transparent 60%);
  filter: blur(50px);
}

.calc-shell {
  background: var(--bg);
  border-radius: var(--r-xl);
  padding: 48px;
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 48px;
  align-items: start;
  position: relative;
  z-index: 1;
  border: 1px solid var(--line);
  overflow: hidden;
}
.calc-shell::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--teal-deep) 0%, var(--teal) 50%, var(--teal-2) 100%);
}

.calc-inputs > h3,
.calc-output > h3 {
  font-size: 12px;
  font-weight: 800;
  color: var(--teal-darker);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.calc-output > h3 { color: var(--teal-3); }

.input-group { margin-bottom: 28px; }
.input-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: var(--ink-2);
  margin-bottom: 12px;
  font-weight: 700;
}
.input-group label .val {
  font-size: 24px;
  color: var(--teal-darker);
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: linear-gradient(90deg, var(--teal) 0%, var(--teal) var(--filled, 50%), var(--line) var(--filled, 50%));
  border-radius: 3px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  background: var(--bg);
  border: 4px solid var(--teal);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(20,184,166,0.40);
  transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
  width: 24px;
  height: 24px;
  background: var(--bg);
  border: 4px solid var(--teal);
  border-radius: 50%;
  cursor: pointer;
}
.range-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--ink-4);
  margin-top: 6px;
}

.quick-select {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.qs {
  padding: 12px 10px;
  background: var(--bg-slate);
  border: 1.5px solid var(--line);
  border-radius: var(--r-pill);
  color: var(--ink-2);
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  transition: all .2s;
  font-family: inherit;
}
.qs:hover { background: var(--teal-tint); border-color: var(--teal); color: var(--teal-darker); }
.qs.selected {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  border-color: var(--teal);
  color: #fff;
  box-shadow: var(--shadow-teal);
}

.calc-output {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #fff;
  border-radius: var(--r-lg);
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
}
.calc-output::before {
  content: "";
  position: absolute;
  top: -80px; right: -80px;
  width: 250px; height: 250px;
  background: radial-gradient(circle, rgba(20,184,166,0.30), transparent 60%);
}
.calc-output > * { position: relative; z-index: 1; }
.output-final {
  font-size: clamp(48px, 8vw, 80px);
  font-weight: 800;
  color: #fff;
  line-height: 0.95;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums;
  margin-bottom: 8px;
}
.output-final .euro { color: var(--teal-3); margin-right: 6px; }
.output-sub {
  font-size: 14.5px;
  color: rgba(255,255,255,0.70);
  margin-bottom: 28px;
}
.output-sub strong { color: var(--teal-3); }
.breakdown {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 22px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.breakdown-item .lbl {
  font-size: 11.5px;
  color: rgba(255,255,255,0.55);
  font-weight: 700;
  margin-bottom: 6px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.breakdown-item .val {
  font-size: 22px;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  color: #fff;
}
.breakdown-item.gain .val { color: var(--teal-3); }
.yearly-bars {
  margin-top: 24px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,0.10);
}
.yearly-bars-label {
  font-size: 11.5px;
  color: rgba(255,255,255,0.55);
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.bars { display: flex; align-items: flex-end; gap: 6px; height: 64px; }
.bar {
  flex: 1;
  background: linear-gradient(to top, var(--teal-deep) 0%, var(--teal-2) 100%);
  border-radius: 4px 4px 0 0;
  transition: height .8s cubic-bezier(0.16, 1, 0.3, 1);
  min-height: 4px;
}
.bar-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 10px;
  color: rgba(255,255,255,0.45);
}
.calc-cta {
  display: block;
  margin-top: 24px;
  padding: 14px;
  background: var(--teal);
  color: var(--navy-deep);
  text-align: center;
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.04em;
  transition: all .2s;
}
.calc-cta:hover {
  background: var(--teal-2);
  transform: translateY(-1px);
  box-shadow: 0 14px 32px rgba(45,212,191,0.40);
}

/* ===========================================
   HOW IT WORKS — Floating circular timeline
   =========================================== */
.how-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}
.how-step {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 32px 28px;
  text-align: center;
  position: relative;
  transition: all .35s ease;
}
.how-step:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--teal);
}
.how-step::after {
  content: "→";
  position: absolute;
  top: 50%; right: -22px;
  transform: translateY(-50%);
  font-size: 24px;
  font-weight: 800;
  color: var(--teal);
  z-index: 2;
}
.how-step:last-child::after { display: none; }
.how-num {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 14px;
  font-weight: 800;
  box-shadow: var(--shadow-teal);
  border: 3px solid var(--bg);
}
.how-icon {
  width: 60px; height: 60px;
  margin: 14px auto 18px;
  background: var(--teal-tint);
  color: var(--teal-darker);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  transition: all .3s ease;
}
.how-step:hover .how-icon {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  transform: rotate(-8deg);
}
.how-icon svg { width: 28px; height: 28px; }
.how-step h3 {
  font-size: 17px;
  margin-bottom: 10px;
  color: var(--ink);
}
.how-step p {
  font-size: 13.5px;
  color: var(--ink-3);
  line-height: 1.6;
  margin: 0;
}

/* ===========================================
   TESTIMONIALS — Carousel-style with depth
   =========================================== */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testi-card {
  background: var(--bg);
  border-radius: var(--r-lg);
  padding: 32px 28px;
  position: relative;
  transition: all .35s ease;
  border: 1px solid var(--line);
  display: flex;
  flex-direction: column;
}
.testi-card:hover {
  transform: translateY(-6px) rotate(-1deg);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.testi-card:nth-child(2) {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #fff;
  border-color: transparent;
  transform: translateY(-12px);
}
.testi-card:nth-child(2):hover {
  transform: translateY(-18px) rotate(1deg);
}
.testi-card:nth-child(2) .t-quote { color: rgba(255,255,255,0.90); }
.testi-card:nth-child(2) .t-info .name { color: #fff; }
.testi-card:nth-child(2) .t-info .role { color: rgba(255,255,255,0.55); }
.testi-card:nth-child(2) .t-author { border-top-color: rgba(255,255,255,0.10); }
.testi-card:nth-child(2)::before {
  content: '"';
  color: var(--teal-3);
}
.testi-card::before {
  content: '"';
  position: absolute;
  top: 16px; right: 24px;
  font-family: Georgia, serif;
  font-size: 80px;
  color: var(--teal-soft);
  line-height: 1;
  z-index: 0;
}
.testi-card > * { position: relative; z-index: 1; }
.t-stars {
  color: var(--star);
  letter-spacing: 2px;
  font-size: 16px;
  margin-bottom: 14px;
}
.t-quote {
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.7;
  margin-bottom: 24px;
  flex-grow: 1;
}
.t-author {
  display: flex;
  gap: 14px;
  align-items: center;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}
.t-avatar {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 18px;
  flex-shrink: 0;
  box-shadow: var(--shadow-teal);
}
.t-info .name {
  font-weight: 800;
  font-size: 15px;
  color: var(--ink);
}
.t-info .role {
  font-size: 13px;
  color: var(--ink-3);
}

/* ===========================================
   FAQ — Pill accordion
   =========================================== */
.faq-wrap { max-width: 820px; margin: 0 auto; }
details {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  margin-bottom: 12px;
  transition: all .25s;
  overflow: hidden;
}
details[open] {
  border-color: var(--teal);
  box-shadow: var(--shadow);
}
summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 26px;
  cursor: pointer;
  list-style: none;
  font-size: 16px;
  font-weight: 700;
  color: var(--ink);
  gap: 14px;
}
summary::-webkit-details-marker { display: none; }
summary .plus {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--teal-tint);
  display: grid;
  place-items: center;
  font-weight: 600;
  font-size: 18px;
  flex-shrink: 0;
  transition: all .3s;
  color: var(--teal-darker);
}
details[open] summary { color: var(--teal-darker); }
details[open] .plus {
  background: var(--teal);
  color: #fff;
  transform: rotate(45deg);
}
details > div {
  padding: 0 26px 22px;
  color: var(--ink-2);
  font-size: 14.5px;
  line-height: 1.7;
}

/* ===========================================
   CTA Banner
   =========================================== */
.cta-banner { padding: 100px 0; background: var(--bg); }
.cta-card {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--teal-darker) 100%);
  border-radius: var(--r-xl);
  padding: 72px 60px;
  color: #fff;
  display: grid;
  grid-template-columns: 1.4fr auto;
  align-items: center;
  gap: 40px;
  position: relative;
  overflow: hidden;
}
.cta-card::before {
  content: "";
  position: absolute;
  top: -100px; right: -50px;
  width: 320px; height: 320px;
  background: radial-gradient(circle, rgba(45,212,191,0.40), transparent 60%);
  animation: float-blob 18s ease-in-out infinite;
}
.cta-card::after {
  content: "";
  position: absolute;
  bottom: -100px; left: -50px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(20,184,166,0.30), transparent 60%);
  animation: float-blob 22s ease-in-out infinite reverse;
}
.cta-card > * { position: relative; z-index: 1; }
.cta-card .eyebrow {
  display: inline-block;
  padding: 5px 14px;
  background: rgba(255,255,255,0.12);
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  color: var(--teal-3);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.cta-card h2 {
  font-size: clamp(32px, 5vw, 50px);
  color: #fff;
  margin-bottom: 14px;
  letter-spacing: -0.03em;
}
.cta-card p {
  font-size: 16px;
  max-width: 500px;
  margin: 0;
  color: rgba(255,255,255,0.85);
  line-height: 1.6;
}
.btn-cta-big {
  background: var(--teal);
  color: var(--navy-deep);
  padding: 18px 36px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 800;
  letter-spacing: 0.02em;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  transition: all .25s;
  white-space: nowrap;
  box-shadow: 0 14px 30px rgba(45,212,191,0.40);
}
.btn-cta-big:hover {
  background: #fff;
  transform: translateY(-2px);
  box-shadow: 0 22px 40px rgba(255,255,255,0.30);
}
.btn-cta-big svg { width: 16px; height: 16px; transition: transform .25s; }
.btn-cta-big:hover svg { transform: translateX(4px); }

/* ===========================================
   FOOTER — Brand-heavy with floating shapes
   =========================================== */
footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.65);
  padding: 80px 0 30px;
  position: relative;
  overflow: hidden;
}
footer::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--teal-darker) 0%, var(--teal) 50%, var(--teal-2) 100%);
}
footer::after {
  content: "";
  position: absolute;
  bottom: -150px; right: -150px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(20,184,166,0.15), transparent 60%);
  pointer-events: none;
}
.footer-row {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
  position: relative;
  z-index: 2;
}
.footer-brand .logo img {
  height: 56px;
}
.footer-brand p {
  font-size: 14px;
  line-height: 1.65;
  color: rgba(255,255,255,0.55);
  margin: 18px 0 22px;
  max-width: 340px;
}
.footer-social {
  display: flex;
  gap: 10px;
}
.footer-social a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: rgba(255,255,255,0.75);
  transition: all .25s;
}
.footer-social a:hover {
  background: var(--teal);
  color: var(--navy-deep);
  transform: translateY(-2px);
}
.footer-social svg { width: 16px; height: 16px; }
footer h4 {
  font-size: 12px;
  font-weight: 800;
  color: var(--teal-3);
  margin-bottom: 18px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
footer ul { list-style: none; padding: 0; margin: 0; }
footer li {
  margin-bottom: 12px;
  font-size: 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
footer li svg {
  width: 16px; height: 16px;
  color: var(--teal-2);
  flex-shrink: 0;
  margin-top: 2px;
}
footer a { color: rgba(255,255,255,0.65); transition: color .15s; }
footer a:hover { color: var(--teal-3); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  position: relative;
  z-index: 2;
}

/* ===========================================
   THANK YOU PAGE
   =========================================== */
.danke-page {
  padding: 100px 0;
  background: var(--bg-cool);
  position: relative;
  overflow: hidden;
  min-height: 70vh;
  display: flex;
  align-items: center;
}
.danke-page::before {
  content: "";
  position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, var(--teal-soft), transparent 60%);
  filter: blur(40px);
}
.danke-page::after {
  content: "";
  position: absolute;
  bottom: -150px; left: -150px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, var(--navy-soft), transparent 60%);
  filter: blur(40px);
}
.danke-wrap {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 2;
}
.danke-icon {
  width: 110px;
  height: 110px;
  margin: 0 auto 30px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #fff;
  font-size: 50px;
  font-weight: 800;
  box-shadow: 0 22px 48px rgba(20,184,166,0.45);
  position: relative;
  animation: scaleIn .5s cubic-bezier(0.16, 1, 0.3, 1);
}
.danke-icon::before {
  content: "";
  position: absolute;
  inset: -10px;
  border: 2px solid var(--teal);
  border-radius: 50%;
  opacity: 0.35;
  animation: ringExpand 1.6s ease-out infinite;
}
@keyframes scaleIn {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
@keyframes ringExpand {
  0%   { transform: scale(1);   opacity: 0.4; }
  100% { transform: scale(1.5); opacity: 0; }
}
.danke-page h1 {
  font-size: clamp(36px, 5vw, 56px);
  margin-bottom: 14px;
  letter-spacing: -0.03em;
}
.danke-wrap > p {
  font-size: 16px;
  color: var(--ink-2);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.65;
}
.danke-ref {
  display: inline-block;
  margin-top: 12px;
  padding: 6px 16px;
  background: var(--teal-tint);
  color: var(--teal-darker);
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 700;
}
.danke-card {
  background: var(--bg);
  border-radius: var(--r-lg);
  padding: 36px 38px;
  text-align: left;
  margin-bottom: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--line);
}
.danke-card h3 {
  font-size: 19px;
  font-weight: 800;
  text-align: center;
  margin-bottom: 22px;
}
.danke-steps {
  list-style: none;
  margin: 0;
  padding: 0;
}
.danke-steps li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px 0;
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.55;
}
.danke-steps li + li { border-top: 1px solid var(--line); }
.danke-steps .step-num {
  width: 32px; height: 32px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 13px;
  font-weight: 800;
  flex-shrink: 0;
}
.danke-back {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--navy-deep);
  color: #fff;
  padding: 14px 30px;
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.02em;
  transition: all .25s;
}
.danke-back:hover {
  background: var(--teal);
  transform: translateY(-2px);
}
.danke-back svg { width: 14px; height: 14px; transition: transform .25s; }
.danke-back:hover svg { transform: translateX(-3px); }

/* ===========================================
   LEGAL PAGES
   =========================================== */
.legal-page {
  padding: 70px 0 90px;
  max-width: 820px;
  margin: 0 auto;
}
.legal-page h1 {
  font-size: clamp(36px, 5vw, 52px);
  margin-bottom: 28px;
  letter-spacing: -0.03em;
  color: var(--ink);
}
.legal-page h2 {
  font-size: 22px;
  margin: 38px 0 14px;
  color: var(--teal-darker);
  letter-spacing: -0.015em;
}
.legal-page h3 {
  font-size: 16px;
  margin: 22px 0 10px;
  color: var(--ink-2);
}
.legal-page p, .legal-page li {
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.75;
}
.legal-page ul, .legal-page ol { padding-left: 20px; }
.legal-page a {
  color: var(--teal-darker);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 700;
}
.legal-page strong { color: var(--ink); font-weight: 700; }
.info-block {
  background: var(--teal-tint);
  border: 1px solid var(--teal-soft);
  border-left: 4px solid var(--teal);
  border-radius: var(--r-md);
  padding: 20px 24px;
  margin: 22px 0;
}
.info-block p { margin: 4px 0; }

/* ===========================================
   ANFRAGE MODAL — bank prefilled
   =========================================== */
.anfrage-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,0.75);
  z-index: 1100;
  padding: 20px;
  backdrop-filter: blur(10px);
  overflow-y: auto;
  align-items: flex-start;
  justify-content: center;
}
.anfrage-modal.show {
  display: flex;
  animation: am-fade .25s ease;
}
@keyframes am-fade { from { opacity: 0; } to { opacity: 1; } }
.am-card {
  background: var(--bg);
  max-width: 580px;
  width: 100%;
  border-radius: var(--r-xl);
  padding: 40px 36px 30px;
  margin: auto;
  position: relative;
  box-shadow: 0 30px 80px rgba(0,0,0,0.40);
  animation: am-pop .35s cubic-bezier(0.16, 1, 0.3, 1);
  border: 1px solid var(--line);
}
@keyframes am-pop {
  from { transform: translateY(20px) scale(0.96); opacity: 0; }
  to { transform: translateY(0) scale(1); opacity: 1; }
}
.am-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--teal-deep) 0%, var(--teal) 50%, var(--teal-2) 100%);
  border-radius: var(--r-xl) var(--r-xl) 0 0;
}
.am-close {
  position: absolute;
  top: 16px; right: 16px;
  width: 38px; height: 38px;
  background: var(--bg-slate);
  border: 1px solid var(--line);
  border-radius: 50%;
  display: grid;
  place-items: center;
  cursor: pointer;
  transition: all .25s;
  color: var(--ink-2);
  font-size: 18px;
  font-weight: 600;
}
.am-close:hover {
  background: var(--navy-deep);
  color: var(--bg);
  border-color: var(--navy-deep);
  transform: rotate(90deg);
}
.am-bank-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px;
  background: linear-gradient(135deg, var(--teal-tint) 0%, var(--teal-soft) 100%);
  border: 1px solid var(--teal-soft);
  border-radius: var(--r-pill);
  font-size: 12px;
  font-weight: 700;
  color: var(--teal-darker);
  letter-spacing: 0.02em;
  margin-bottom: 16px;
}
.am-bank-badge::before {
  content: "";
  width: 8px; height: 8px;
  background: var(--teal);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(20,184,166,0.20);
}
.am-bank-name {
  font-weight: 800;
  color: var(--navy-deep);
  letter-spacing: 0;
}
.am-card h3 {
  font-size: 26px;
  margin-bottom: 6px;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.am-card .am-intro {
  font-size: 14px;
  color: var(--ink-3);
  margin-bottom: 22px;
  line-height: 1.55;
}
.am-form .row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.am-form .field { margin-bottom: 12px; }
.am-form label {
  display: block;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--ink-2);
  margin-bottom: 6px;
}
.am-form label .req { color: var(--teal-darker); }
.am-form input:not([type="checkbox"]):not([type="hidden"]),
.am-form select {
  width: 100%;
  padding: 13px 16px;
  font-size: 14.5px;
  background: var(--bg-slate);
  border: 1.5px solid var(--line);
  border-radius: var(--r-md);
  color: var(--ink);
  font-family: inherit;
  transition: all .2s;
}
.am-form input:not([type="checkbox"]):focus,
.am-form select:focus {
  outline: none;
  border-color: var(--teal);
  background: var(--bg);
  box-shadow: 0 0 0 4px rgba(20,184,166,0.15);
}
.am-form .check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 18px;
  font-size: 12.5px;
  color: var(--ink-3);
  line-height: 1.55;
}
.am-form .check input[type="checkbox"] {
  margin-top: 3px;
  flex-shrink: 0;
  accent-color: var(--teal);
  width: 16px; height: 16px;
}
.am-form .check a {
  color: var(--teal-darker);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 700;
}
.am-submit {
  width: 100%;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: #fff;
  padding: 15px 22px;
  border: none;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 800;
  letter-spacing: 0.02em;
  cursor: pointer;
  font-family: inherit;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all .25s;
  box-shadow: var(--shadow-teal);
}
.am-submit:hover {
  background: var(--navy-deep);
  transform: translateY(-1px);
}
.am-submit svg {
  width: 16px; height: 16px;
  flex-shrink: 0;
  transition: transform .25s;
}
.am-submit:hover svg { transform: translateX(4px); }

/* ===========================================
   REVEAL ANIMATIONS
   =========================================== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .8s ease, transform .8s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.stagger > * {
  opacity: 0;
  transform: translateY(24px);
}
.stagger.visible > * {
  opacity: 1;
  transform: translateY(0);
  transition: opacity .65s ease, transform .65s cubic-bezier(0.16, 1, 0.3, 1);
}
.stagger.visible > *:nth-child(1) { transition-delay: 0.05s; }
.stagger.visible > *:nth-child(2) { transition-delay: 0.15s; }
.stagger.visible > *:nth-child(3) { transition-delay: 0.25s; }
.stagger.visible > *:nth-child(4) { transition-delay: 0.35s; }

.modal {
  display: none;
  position: fixed; inset: 0;
  background: rgba(15,23,42,0.75);
  z-index: 1000;
  align-items: center; justify-content: center;
  padding: 20px;
  backdrop-filter: blur(8px);
}
.modal.show { display: flex; }
.modal-content {
  background: var(--bg);
  padding: 40px 32px;
  max-width: 420px;
  width: 100%;
  text-align: center;
  border-radius: var(--r-lg);
  position: relative;
  overflow: hidden;
}
.modal-content::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: var(--teal);
}
.modal-content h3 { font-size: 24px; margin-bottom: 10px; }
.modal-content p { color: var(--ink-3); margin-bottom: 22px; }

/* ===========================================
   RESPONSIVE
   =========================================== */
@media (max-width: 1180px) {
  .nav-links { gap: 2px; font-size: 13.5px; }
  .nav-links a { padding: 8px 14px; }
  .nav-phone span { display: none; }
}

@media (max-width: 1024px) {
  .bank-top { grid-template-columns: 1fr; gap: 16px; }
  .bi-cta { width: 100%; }
  .nav-links { display: none; }
  .bento-grid { grid-template-columns: repeat(2, 1fr); }
  .bento-card.large { grid-column: span 2; }
  .kond-row {
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    padding: 20px 22px;
  }
  .kond-row.head { display: none; }
  .kond-desc, .kond-features { display: none; }
  .kond-cta { grid-column: 1 / -1; justify-self: stretch; }
  .kond-row.featured::before { display: none; }
}

@media (max-width: 980px) {
  .hero { padding: 56px 0 80px; }
  .hero-metrics { grid-template-columns: 1fr; gap: 14px; max-width: 480px; }
  .bento-grid { grid-template-columns: 1fr; }
  .bento-card.large { grid-column: span 1; }
  .calc-shell { grid-template-columns: 1fr; gap: 32px; padding: 32px; }
  .testi-grid { grid-template-columns: 1fr; }
  .testi-card:nth-child(2) { transform: none; }
  .testi-card:nth-child(2):hover { transform: translateY(-6px); }
  .how-grid { grid-template-columns: 1fr 1fr; }
  .how-step::after { display: none; }
  .footer-row { grid-template-columns: 1fr 1fr; gap: 36px; }
  .nav-toggle { display: grid; }
  .nav { gap: 14px; }
  .logo img { height: 42px; }
  .nav-cta { padding: 10px 18px; font-size: 13px; }
  .nav-phone { display: none; }
  .section { padding: 64px 0; }
  .calc-section, .cta-banner, .anfrage-section { padding: 64px 0; }
  .breakdown { grid-template-columns: 1fr; gap: 14px; }
  .cta-card {
    grid-template-columns: 1fr;
    padding: 48px 32px;
    text-align: center;
  }
  .cta-card .btn-cta-big { justify-self: center; }
  .am-card { padding: 32px 24px 24px; }
  .am-card h3 { font-size: 22px; }
  .wizard-card { padding: 32px 24px; }
  .wizard-step h3 { font-size: 22px; }
}

@media (max-width: 720px) {
  .container { padding: 0 16px; }
  .nav { gap: 10px; }
  .logo img { height: 36px; }
  .nav-cta { padding: 9px 14px; font-size: 12px; }
  .hero h1 { font-size: 36px; }
  .hero-lede { font-size: 15px; }
  .hero-cta-row { gap: 10px; margin-bottom: 40px; }
  .btn-pill { padding: 14px 24px; font-size: 13.5px; }
  .pill-options { grid-template-columns: 1fr; }
  .wizard-form-row { grid-template-columns: 1fr; gap: 0; }
  .wizard-form-row .field { margin-bottom: 14px; }
  .wsi-label { display: none; }
  .wizard-progress { padding: 0; }
  .wizard-progress::before, .wizard-progress::after { left: 18px; right: 18px; }
  .wizard-progress[data-step="2"]::after { width: calc(50% - 18px); }
  .wizard-progress[data-step="3"]::after { width: calc(100% - 36px); }
  .how-grid { grid-template-columns: 1fr; }
  .bi-metrics { grid-template-columns: 1fr 1fr; }
  .bank-bottom { flex-direction: column; align-items: flex-start; gap: 8px; }
  .footer-row { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .cta-card { padding: 40px 22px; }
  .cta-card h2 { font-size: 26px; }
  .danke-card { padding: 22px 18px; }
  .danke-icon { width: 90px; height: 90px; font-size: 42px; }
  .section { padding: 52px 0; }
  .calc-section, .anfrage-section { padding: 52px 0; }
  .legal-page { padding: 44px 0 70px; }
  .legal-page h1 { font-size: 30px; }
  .bank-item { padding: 22px 20px 16px; }
  .bank-badge { left: 18px; font-size: 10px; padding: 4px 10px; }
  .quick-select { grid-template-columns: 1fr 1fr; }
  .am-card { padding: 28px 22px 22px; }
  .am-card h3 { font-size: 20px; }
  .am-form .row { grid-template-columns: 1fr; gap: 0; }
  .am-form .row .field { margin-bottom: 12px; }
  .kond-row { grid-template-columns: 1fr; }
}

/* Mobile nav drawer */
@media (max-width: 1024px) {
  .nav-links.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 16px; right: 16px;
    background: var(--bg);
    flex-direction: column;
    padding: 12px;
    gap: 4px;
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    box-shadow: var(--shadow-lg);
    z-index: 99;
  }
  .nav-links.open a {
    padding: 13px 16px;
    border-radius: var(--r-sm);
    text-align: center;
    font-size: 14.5px;
    width: 100%;
  }
  .nav-links.open a.active { background: var(--teal-tint); color: var(--teal-darker); }
}