/* ========================================
   GeldStrategies – Professional Light Theme
   Clean, trustworthy design for German audience
   Inspired by Verivox, WeltSparen, Check24
   ======================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* ── CSS Variables ── */
:root {
  --bg-primary: #ffffff;
  --bg-secondary: #f1f5f9;
  --bg-card: #ffffff;
  --bg-card-hover: #f8fafc;
  --bg-input: #f8fafc;
  --accent: #0052cc;
  --accent-hover: #003d99;
  --accent-light: rgba(0,82,204,.06);
  --accent-glow: rgba(0,82,204,.15);
  --cta: #e8910c;
  --cta-hover: #cf7f08;
  --cta-light: rgba(232,145,12,.08);
  --cta-glow: rgba(232,145,12,.25);
  --text-primary: #1e293b;
  --text-secondary: #475569;
  --text-muted: #94a3b8;
  --border: #e2e8f0;
  --border-accent: rgba(0,82,204,.25);
  --success: #059669;
  --success-light: rgba(5,150,105,.08);
  --danger: #dc2626;
  --info: #2563eb;
  --rate-color: #059669;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 20px;
  --shadow: 0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md: 0 4px 12px rgba(0,0,0,.06);
  --shadow-lg: 0 10px 30px rgba(0,0,0,.08);
  --transition: .25s cubic-bezier(.4,0,.2,1);
  --max-width: 1200px;
  --header-height: 72px;
  --navy: #0f2b46;
  --navy-light: #163a5c;
}

/* ── Reset ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px;-webkit-text-size-adjust:100%}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;background:var(--bg-secondary);color:var(--text-primary);line-height:1.6;overflow-x:hidden;min-height:100vh}
a{color:var(--accent);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--accent-hover)}
img{max-width:100%;height:auto;display:block}
ul,ol{list-style:none}
button,input,select,textarea{font-family:inherit;font-size:inherit;border:none;outline:none;background:none;color:inherit}
button{cursor:pointer}
::selection{background:var(--accent);color:#fff}

/* ── Container ── */
.container{max-width:var(--max-width);margin:0 auto;padding:0 24px}
.container-sm{max-width:800px;margin:0 auto;padding:0 24px}
.container-lg{max-width:1400px;margin:0 auto;padding:0 24px}

/* ── Header / Navbar ── */
.navbar{position:fixed;top:0;left:0;right:0;height:var(--header-height);background:#fff;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-bottom:1px solid var(--border);z-index:1000;transition:background var(--transition)}
.navbar .container{display:flex;align-items:center;justify-content:space-between;height:100%}
.navbar-brand{display:flex;align-items:center;gap:10px;font-size:1.35rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.navbar-brand .logo-icon{width:36px;height:36px;background:linear-gradient(135deg,var(--accent),#2563eb);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;color:#fff;font-weight:900}
.navbar-brand span.accent{color:var(--accent)}
.nav-links{display:flex;align-items:center;gap:8px}
.nav-links a{padding:8px 16px;border-radius:8px;font-size:.9rem;font-weight:500;color:var(--text-secondary);transition:all var(--transition)}
.nav-links a:hover,.nav-links a.active{color:var(--accent);background:var(--accent-light)}
.nav-links .btn-nav{background:var(--cta);color:#fff;font-weight:600;padding:8px 20px;border-radius:8px}
.nav-links .btn-nav:hover{background:var(--cta-hover);color:#fff}
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:8px;cursor:pointer}
.nav-toggle span{width:24px;height:2px;background:var(--text-primary);border-radius:2px;transition:all var(--transition)}

/* ── Hero Section ── */
.hero{padding:60px 0 80px;position:relative;overflow:hidden;background:linear-gradient(170deg,var(--navy) 0%,var(--navy-light) 60%,#1e4976 100%)}
.hero::before{content:'';position:absolute;top:0;left:0;right:0;bottom:0;background:radial-gradient(ellipse at 30% 0%,rgba(37,99,235,.15) 0%,transparent 60%);pointer-events:none}
.hero .container{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.hero-content{max-width:560px}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:6px 16px;border-radius:50px;font-size:.8rem;font-weight:600;color:#fff;margin-bottom:24px}
.hero-badge i{font-size:.7rem}
.hero h1{font-size:3rem;font-weight:800;line-height:1.15;margin-bottom:20px;letter-spacing:-.03em;color:#fff}
.hero h1 .highlight{color:var(--cta);position:relative}
.hero p.subtitle{font-size:1.15rem;color:rgba(255,255,255,.8);line-height:1.7;margin-bottom:32px}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap}
.hero-image{position:relative}
.hero-image img{border-radius:var(--radius-xl);box-shadow:0 20px 60px rgba(0,0,0,.25)}
.hero-image::after{content:'';position:absolute;inset:-2px;border-radius:var(--radius-xl);background:linear-gradient(135deg,rgba(255,255,255,.15),transparent 50%);z-index:-1}

/* Stats Bar */
.stats-bar{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.15);border-radius:var(--radius-lg);overflow:hidden;margin-top:60px;border:1px solid rgba(255,255,255,.1)}
.stat-item{background:rgba(255,255,255,.07);padding:24px;text-align:center;backdrop-filter:blur(10px)}
.stat-value{font-size:1.6rem;font-weight:800;color:#fff;margin-bottom:4px}
.stat-label{font-size:.8rem;color:rgba(255,255,255,.6);font-weight:500;text-transform:uppercase;letter-spacing:.05em}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 28px;border-radius:var(--radius);font-weight:600;font-size:.95rem;transition:all var(--transition);cursor:pointer;border:none;line-height:1}
.btn-primary{background:var(--cta);color:#fff}
.btn-primary:hover{background:var(--cta-hover);color:#fff;transform:translateY(-2px);box-shadow:0 8px 24px var(--cta-glow)}
.btn-secondary{background:#fff;color:var(--text-primary);border:1px solid var(--border)}
.btn-secondary:hover{background:var(--bg-secondary);border-color:#cbd5e1}
.btn-outline{background:transparent;color:var(--accent);border:2px solid var(--accent)}
.btn-outline:hover{background:var(--accent);color:#fff}
.btn-sm{padding:10px 20px;font-size:.85rem;border-radius:8px}
.btn-lg{padding:18px 36px;font-size:1.05rem;border-radius:14px}
.btn-block{width:100%}
.btn i{font-size:.85em}

/* Hero-specific button overrides */
.hero .btn-primary{background:var(--cta);color:#fff;padding:16px 32px;font-size:1rem}
.hero .btn-primary:hover{background:var(--cta-hover)}
.hero .btn-secondary{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.25)}
.hero .btn-secondary:hover{background:rgba(255,255,255,.2)}

/* ── Section Styles ── */
.section{padding:80px 0;background:var(--bg-primary)}
.section-alt{background:var(--bg-secondary)}
.section-header{text-align:center;max-width:700px;margin:0 auto 48px}
.section-header .badge{display:inline-flex;align-items:center;gap:6px;background:var(--accent-light);border:1px solid var(--border-accent);padding:5px 14px;border-radius:50px;font-size:.75rem;font-weight:600;color:var(--accent);margin-bottom:16px;text-transform:uppercase;letter-spacing:.05em}
.section-header h2{font-size:2.2rem;font-weight:800;margin-bottom:16px;letter-spacing:-.02em;color:var(--navy)}
.section-header p{color:var(--text-secondary);font-size:1.05rem;line-height:1.7}

/* ── Offer Cards ── */
.offers-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.offer-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;transition:all var(--transition);position:relative;overflow:hidden;box-shadow:var(--shadow)}
.offer-card:hover{border-color:var(--border-accent);transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.offer-card.featured{border-color:var(--accent);border-width:2px}
.offer-card.featured::before{content:'TOP';position:absolute;top:16px;right:16px;background:var(--accent);color:#fff;font-size:.65rem;font-weight:700;padding:3px 10px;border-radius:50px;letter-spacing:.05em}
.offer-card-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.bank-info{display:flex;align-items:center;gap:12px}
.bank-logo{width:52px;height:52px;background:#fff;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1rem;font-weight:700;color:var(--accent);overflow:hidden;padding:3px;border:1px solid var(--border);flex-shrink:0}
.bank-logo img{width:100%;height:100%;object-fit:contain;border-radius:8px}

/* ── Verivox Partner Bar ── */
.partner-bar{background:linear-gradient(135deg,#1a1f71 0%,#2d35a8 100%);border-bottom:3px solid #00c3ff;padding:18px 0;position:relative;z-index:10;margin-top:var(--header-height)}
.partner-bar .container{display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:wrap}
.partner-bar-label{font-size:.95rem;color:rgba(255,255,255,.85);font-weight:600;display:flex;align-items:center;gap:10px;letter-spacing:.5px;text-transform:uppercase}
.partner-bar-label i{font-size:1.1rem;color:#00c3ff}
.partner-bar-logos{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.partner-bar-logos img{height:40px;opacity:1;transition:transform .2s;filter:drop-shadow(0 2px 8px rgba(0,0,0,.2))}
.partner-bar-logos img:hover{transform:scale(1.05)}
.partner-bar-logos .verivox-logo{height:44px}
.partner-badge{display:inline-flex;align-items:center;gap:8px;padding:8px 18px;border-radius:50px;font-size:.85rem;font-weight:700;background:rgba(0,195,255,.15);border:1.5px solid rgba(0,195,255,.4);color:#fff;letter-spacing:.3px}
.partner-badge i{color:#00c3ff;font-size:1rem}
.partner-badge img{height:18px}
.footer-partners{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:12px}
.footer-partners img{height:26px;opacity:.8;transition:opacity .2s}
.footer-partners img:hover{opacity:1}

.bank-name{font-weight:700;font-size:1rem;margin-bottom:2px;color:var(--navy)}
.bank-country{font-size:.8rem;color:var(--text-muted)}
.offer-rate{text-align:right}
.offer-rate .rate{font-size:2rem;font-weight:800;color:var(--rate-color);line-height:1}
.offer-rate .rate-label{font-size:.75rem;color:var(--text-muted);margin-top:2px}
.offer-details{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:20px;padding:16px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.offer-detail{display:flex;flex-direction:column;gap:2px}
.offer-detail .label{font-size:.7rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em}
.offer-detail .value{font-size:.9rem;font-weight:600;color:var(--text-primary)}
.offer-badges{display:flex;gap:8px;margin-bottom:16px;flex-wrap:wrap}
.offer-badge{display:inline-flex;align-items:center;gap:4px;padding:4px 10px;border-radius:6px;font-size:.72rem;font-weight:600}
.badge-green{background:var(--success-light);color:var(--success);border:1px solid rgba(5,150,105,.15)}
.badge-blue{background:rgba(37,99,235,.06);color:#2563eb;border:1px solid rgba(37,99,235,.15)}
.badge-amber{background:var(--cta-light);color:var(--cta);border:1px solid rgba(232,145,12,.15)}
.rating-badge{display:inline-flex;align-items:center;justify-content:center;background:var(--success-light);color:var(--success);padding:3px 8px;border-radius:6px;font-size:.75rem;font-weight:700;border:1px solid rgba(5,150,105,.15)}
.offer-card .btn{width:100%}

/* ── Bank List (comparison page) ── */
.bank-list{display:flex;flex-direction:column;gap:16px}
.bank-row{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px 28px;display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr auto;align-items:center;gap:20px;transition:all var(--transition);box-shadow:var(--shadow)}
.bank-row:hover{border-color:var(--border-accent);box-shadow:var(--shadow-md)}
.bank-row.highlight{border-color:var(--accent);border-width:2px;background:linear-gradient(135deg,rgba(0,82,204,.02),transparent)}
.bank-row .bank-info{gap:14px}
.bank-row .rate{font-size:1.4rem;font-weight:800;color:var(--rate-color)}
.bank-row .detail-text{font-size:.85rem;color:var(--text-secondary)}
.bank-row .detail-label{font-size:.7rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:2px}

/* ── Filter Bar ── */
.filter-bar{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;margin-bottom:32px;display:flex;gap:16px;align-items:flex-end;flex-wrap:wrap;box-shadow:var(--shadow)}
.filter-group{flex:1;min-width:180px}
.filter-group label{display:block;font-size:.75rem;font-weight:600;color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:8px}
.filter-group select,.filter-group input{width:100%;background:var(--bg-input);border:1px solid var(--border);border-radius:8px;padding:12px 16px;color:var(--text-primary);transition:all var(--transition);appearance:none;-webkit-appearance:none}
.filter-group select:focus,.filter-group input:focus{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-glow)}
.filter-group select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%2394a3b8' d='M6 8.825L.35 3.175l.7-.7L6 7.425l4.95-4.95.7.7z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:36px}
.filter-bar .btn{white-space:nowrap}

/* ── Trust Badges Row ── */
.trust-badges{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin:24px 0}
.trust-badge{display:inline-flex;align-items:center;gap:8px;padding:8px 16px;background:rgba(255,255,255,.8);border:1px solid rgba(255,255,255,.4);border-radius:50px;font-size:.8rem;color:rgba(255,255,255,.9);font-weight:500}
.trust-badge i{color:rgba(255,255,255,.9);font-size:.9rem}

/* ── Benefits / Why Section ── */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.benefit-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;text-align:center;transition:all var(--transition);box-shadow:var(--shadow)}
.benefit-card:hover{border-color:var(--border-accent);transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.benefit-icon{width:64px;height:64px;margin:0 auto 20px;background:var(--accent-light);border:1px solid var(--border-accent);border-radius:16px;display:flex;align-items:center;justify-content:center;font-size:1.5rem;color:var(--accent)}
.benefit-card h3{font-size:1.15rem;font-weight:700;margin-bottom:10px;color:var(--navy)}
.benefit-card p{color:var(--text-secondary);font-size:.9rem;line-height:1.6}

/* ── Steps / How It Works ── */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;position:relative}
.steps-grid::before{content:'';position:absolute;top:40px;left:17%;right:17%;height:2px;background:linear-gradient(90deg,transparent,var(--accent),transparent);opacity:.2}
.step-card{text-align:center;position:relative}
.step-number{width:56px;height:56px;margin:0 auto 20px;background:linear-gradient(135deg,var(--accent),#2563eb);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.2rem;font-weight:800;color:#fff;position:relative;z-index:2}
.step-card h3{font-size:1.1rem;font-weight:700;margin-bottom:10px;color:var(--navy)}
.step-card p{color:var(--text-secondary);font-size:.9rem;line-height:1.6}

/* ── Comparison / Info Two Column ── */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.two-col .content h2{font-size:1.8rem;font-weight:800;margin-bottom:16px;letter-spacing:-.02em;color:var(--navy)}
.two-col .content p{color:var(--text-secondary);line-height:1.7;margin-bottom:16px}
.two-col .content ul{margin-bottom:20px}
.two-col .content ul li{display:flex;align-items:flex-start;gap:10px;color:var(--text-secondary);margin-bottom:10px;font-size:.95rem}
.two-col .content ul li i{color:var(--success);margin-top:4px;font-size:.8rem}

/* ── FAQ Accordion ── */
.faq-list{max-width:800px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:all var(--transition);box-shadow:var(--shadow)}
.faq-item.active{border-color:var(--border-accent)}
.faq-question{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;cursor:pointer;font-weight:600;font-size:1rem;transition:all var(--transition);color:var(--text-primary)}
.faq-question:hover{color:var(--accent)}
.faq-question i{font-size:.8rem;color:var(--text-muted);transition:transform var(--transition)}
.faq-item.active .faq-question i{transform:rotate(180deg);color:var(--accent)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease,padding .3s ease}
.faq-item.active .faq-answer{max-height:500px}
.faq-answer-inner{padding:0 24px 20px;color:var(--text-secondary);line-height:1.7;font-size:.95rem}

/* ── Newsletter / CTA Box ── */
.newsletter-section{background:linear-gradient(135deg,var(--navy),var(--navy-light));border:none;border-radius:var(--radius-xl);padding:48px;text-align:center}
.newsletter-section h2{font-size:1.6rem;font-weight:800;margin-bottom:12px;color:#fff}
.newsletter-section p{color:rgba(255,255,255,.8);margin-bottom:24px;font-size:1rem}
.newsletter-form{display:flex;gap:12px;max-width:480px;margin:0 auto}
.newsletter-form input{flex:1;padding:14px 20px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:var(--radius);color:#fff}
.newsletter-form input:focus{border-color:rgba(255,255,255,.5);box-shadow:0 0 0 3px rgba(255,255,255,.1)}
.newsletter-form input::placeholder{color:rgba(255,255,255,.5)}
.newsletter-hint{font-size:.8rem;color:rgba(255,255,255,.6);margin-top:12px}
.newsletter-hint i{color:var(--success)}

/* ── Email Lead Section ── */
.email-lead{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px;text-align:center;margin:40px 0;box-shadow:var(--shadow)}
.email-lead h3{font-size:1.2rem;font-weight:700;margin-bottom:8px;color:var(--navy)}
.email-lead p{color:var(--text-secondary);margin-bottom:20px;font-size:.9rem}
.email-lead-form{display:flex;gap:12px;max-width:440px;margin:0 auto}
.email-lead-form input{flex:1;padding:12px 16px;background:var(--bg-input);border:1px solid var(--border);border-radius:8px;color:var(--text-primary)}
.email-lead-form input::placeholder{color:var(--text-muted)}

/* ── Chart ── */
.chart-container{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;margin-top:24px;box-shadow:var(--shadow)}
.chart-container canvas{width:100%!important;max-height:300px}
.chart-title{font-size:1rem;font-weight:600;margin-bottom:16px;color:var(--text-secondary)}

/* ── Anfrage Form ── */
.anfrage-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:start}
.form-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow)}
.form-card h2{font-size:1.5rem;font-weight:700;margin-bottom:8px;color:var(--navy)}
.form-card .form-subtitle{color:var(--text-secondary);margin-bottom:28px;font-size:.9rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.form-group{margin-bottom:16px}
.form-group label{display:block;font-size:.8rem;font-weight:600;color:var(--text-secondary);margin-bottom:6px}
.form-group label .required{color:var(--danger)}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 16px;background:var(--bg-input);border:1px solid var(--border);border-radius:8px;color:var(--text-primary);transition:all var(--transition)}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-glow)}
.form-group input::placeholder,.form-group textarea::placeholder{color:var(--text-muted)}
.form-checkbox{display:flex;align-items:flex-start;gap:10px;margin:20px 0}
.form-checkbox input[type="checkbox"]{width:18px;height:18px;accent-color:var(--accent);margin-top:2px;flex-shrink:0}
.form-checkbox label{font-size:.85rem;color:var(--text-secondary);line-height:1.5}

/* Offer Sidebar */
.offer-sidebar{position:sticky;top:100px}
.offer-detail-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;margin-bottom:20px;box-shadow:var(--shadow)}
.offer-detail-card .bank-header{display:flex;align-items:center;gap:14px;margin-bottom:20px;padding-bottom:16px;border-bottom:1px solid var(--border)}
.offer-detail-card .rate-big{font-size:2.4rem;font-weight:800;color:var(--rate-color);text-align:center;margin-bottom:4px}
.offer-detail-card .rate-sub{text-align:center;font-size:.85rem;color:var(--text-muted);margin-bottom:20px}
.detail-table{width:100%;border-collapse:collapse}
.detail-table tr{border-bottom:1px solid var(--border)}
.detail-table tr:last-child{border-bottom:none}
.detail-table td{padding:10px 0;font-size:.85rem}
.detail-table td:first-child{color:var(--text-muted);font-weight:500}
.detail-table td:last-child{text-align:right;font-weight:600;color:var(--text-primary)}

/* Trust Cards */
.trust-cards{display:flex;flex-direction:column;gap:16px;margin-top:24px}
.trust-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:20px;display:flex;gap:14px;align-items:flex-start;box-shadow:var(--shadow)}
.trust-card .trust-icon{width:40px;height:40px;background:var(--accent-light);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1rem;color:var(--accent);flex-shrink:0}
.trust-card h4{font-size:.9rem;font-weight:700;margin-bottom:4px;color:var(--navy)}
.trust-card p{font-size:.8rem;color:var(--text-secondary);line-height:1.5}

/* ── Zins-Check Quiz ── */
.quiz-container{max-width:700px;margin:0 auto;text-align:center}
.quiz-container h1{font-size:2rem;font-weight:800;margin-bottom:12px;color:var(--navy)}
.quiz-container .quiz-subtitle{color:var(--text-secondary);margin-bottom:40px;font-size:1.05rem}
.quiz-options{display:flex;flex-direction:column;gap:16px;max-width:500px;margin:0 auto}
.quiz-option{background:#fff;border:2px solid var(--border);border-radius:var(--radius-lg);padding:24px;cursor:pointer;transition:all var(--transition);display:flex;align-items:center;gap:16px;text-align:left;box-shadow:var(--shadow)}
.quiz-option:hover{border-color:var(--accent);background:var(--accent-light);transform:scale(1.02)}
.quiz-option.selected{border-color:var(--accent);background:var(--accent-light)}
.quiz-option .quiz-emoji{font-size:2rem;flex-shrink:0}
.quiz-option .quiz-text h3{font-size:1.05rem;font-weight:700;margin-bottom:4px;color:var(--navy)}
.quiz-option .quiz-text p{font-size:.85rem;color:var(--text-secondary)}

/* ── Ratgeber / Blog ── */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.blog-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;transition:all var(--transition);box-shadow:var(--shadow)}
.blog-card:hover{border-color:var(--border-accent);transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.blog-card-image{height:200px;background-size:cover;background-position:center;position:relative}
.blog-card-image .category-badge{position:absolute;top:12px;left:12px;background:var(--accent);color:#fff;padding:4px 10px;border-radius:6px;font-size:.7rem;font-weight:700;text-transform:uppercase}
.blog-card-body{padding:24px}
.blog-card-body .date{font-size:.75rem;color:var(--text-muted);margin-bottom:8px}
.blog-card-body h3{font-size:1.05rem;font-weight:700;margin-bottom:10px;line-height:1.4;color:var(--navy)}
.blog-card-body p{font-size:.85rem;color:var(--text-secondary);line-height:1.6;margin-bottom:16px}
.blog-card-body .read-more{font-size:.85rem;font-weight:600;color:var(--accent);display:inline-flex;align-items:center;gap:6px}
.blog-featured{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;display:grid;grid-template-columns:1.2fr 1fr;margin-bottom:40px;transition:all var(--transition);box-shadow:var(--shadow)}
.blog-featured:hover{border-color:var(--border-accent)}
.blog-featured-image{min-height:320px;background-size:cover;background-position:center}
.blog-featured-body{padding:40px;display:flex;flex-direction:column;justify-content:center}
.blog-featured-body .badge{display:inline-flex;width:fit-content;margin-bottom:12px}
.blog-featured-body h2{font-size:1.6rem;font-weight:800;margin-bottom:12px;line-height:1.3;color:var(--navy)}
.blog-featured-body p{font-size:.95rem;color:var(--text-secondary);line-height:1.7;margin-bottom:20px}

/* ── Legal Pages ── */
.legal-page{padding:120px 0 80px}
.legal-page h1{font-size:2rem;font-weight:800;margin-bottom:32px;color:var(--navy)}
.legal-page h2{font-size:1.3rem;font-weight:700;margin-top:32px;margin-bottom:12px;color:var(--accent)}
.legal-page h3{font-size:1.1rem;font-weight:600;margin-top:24px;margin-bottom:8px}
.legal-page p{color:var(--text-secondary);line-height:1.7;margin-bottom:12px}
.legal-page ul{margin-bottom:16px;padding-left:20px}
.legal-page ul li{color:var(--text-secondary);margin-bottom:6px;position:relative;padding-left:16px}
.legal-page ul li::before{content:'•';position:absolute;left:0;color:var(--accent)}
.legal-page a{color:var(--accent)}
.legal-divider{width:60px;height:3px;background:var(--accent);border-radius:3px;margin:24px 0}

/* ── Footer ── */
.footer{background:var(--navy);border-top:none;padding:60px 0 0;color:#fff}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px;margin-bottom:40px}
.footer-brand{max-width:280px}
.footer-brand .navbar-brand{margin-bottom:16px;font-size:1.2rem;color:#fff}
.footer-brand .navbar-brand .logo-icon{background:rgba(255,255,255,.15)}
.footer-brand .navbar-brand span.accent{color:rgba(255,255,255,.8)}
.footer-brand p{color:rgba(255,255,255,.5);font-size:.85rem;line-height:1.7}
.footer-col h4{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.4);margin-bottom:16px}
.footer-col ul li{margin-bottom:10px}
.footer-col ul li a{color:rgba(255,255,255,.7);font-size:.9rem;display:flex;align-items:center;gap:8px}
.footer-col ul li a:hover{color:#fff}
.footer-col ul li a i{font-size:.8rem;color:rgba(255,255,255,.4)}
.footer-newsletter{max-width:280px}
.footer-newsletter .newsletter-mini{display:flex;gap:8px;margin-top:12px}
.footer-newsletter .newsletter-mini input{flex:1;padding:10px 14px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:8px;color:#fff;font-size:.85rem}
.footer-newsletter .newsletter-mini input::placeholder{color:rgba(255,255,255,.4)}
.footer-newsletter .newsletter-mini button{padding:10px 16px;background:var(--cta);color:#fff;border-radius:8px;font-weight:600;font-size:.85rem;white-space:nowrap}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding:20px 0;display:flex;align-items:center;justify-content:space-between}
.footer-bottom p{font-size:.8rem;color:rgba(255,255,255,.4)}
.footer-bottom .disclaimer{font-size:.72rem;color:rgba(255,255,255,.3);font-style:italic}

/* ── Floating CTA Widget ── */
.floating-cta{position:fixed;bottom:24px;right:24px;z-index:999}
.floating-cta-btn{background:var(--cta);color:#fff;padding:14px 24px;border-radius:50px;font-weight:700;font-size:.9rem;display:flex;align-items:center;gap:10px;box-shadow:0 8px 32px var(--cta-glow);transition:all var(--transition);cursor:pointer;border:none}
.floating-cta-btn:hover{transform:translateY(-3px) scale(1.03);box-shadow:0 12px 40px rgba(232,145,12,.35);color:#fff}
.floating-cta-btn i{font-size:1rem}
.floating-cta .cta-label{font-size:.7rem;color:var(--text-muted);text-align:center;margin-top:6px}

/* ── Animations ── */
@keyframes fadeInUp{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
@keyframes pulse{0%,100%{transform:scale(1)}50%{transform:scale(1.05)}}
.animate-in{opacity:0;transform:translateY(30px);transition:all .6s cubic-bezier(.4,0,.2,1)}
.animate-in.visible{opacity:1;transform:translateY(0)}

/* ── Responsive ── */
@media(max-width:1024px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero-image{display:none}
  .offers-grid{grid-template-columns:repeat(2,1fr)}
  .benefits-grid{grid-template-columns:repeat(2,1fr)}
  .blog-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
  .anfrage-grid{grid-template-columns:1fr}
  .blog-featured{grid-template-columns:1fr}
  .blog-featured-image{min-height:240px}
  .bank-row{grid-template-columns:1.5fr 1fr 1fr auto;gap:12px}
  .bank-row .hide-mobile{display:none}
  .two-col{grid-template-columns:1fr}
}
@media(max-width:768px){
  :root{--header-height:64px}
  .hero{padding:40px 0 60px}
  .hero h1{font-size:2rem}
  .section{padding:60px 0}
  .section-header h2{font-size:1.6rem}
  .stats-bar{grid-template-columns:repeat(2,1fr)}
  .offers-grid{grid-template-columns:1fr}
  .benefits-grid{grid-template-columns:1fr}
  .steps-grid{grid-template-columns:1fr;gap:24px}
  .steps-grid::before{display:none}
  .blog-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:32px}
  .filter-bar{flex-direction:column}
  .filter-group{min-width:100%}
  .newsletter-form{flex-direction:column}
  .email-lead-form{flex-direction:column}
  .hero-ctas{flex-direction:column}
  .hero-ctas .btn{width:100%}
  .bank-row{grid-template-columns:1fr;gap:12px;text-align:center}
  .bank-row .bank-info{justify-content:center}
  .bank-row .btn{width:100%}
  .nav-links{display:none;position:fixed;top:var(--header-height);left:0;right:0;bottom:0;background:#fff;flex-direction:column;padding:24px;gap:4px}
  .nav-links.open{display:flex}
  .nav-links a{padding:14px 16px;font-size:1rem;color:var(--text-primary)}
  .nav-toggle{display:flex}
  .floating-cta{bottom:16px;right:16px}
  .floating-cta-btn{padding:12px 20px;font-size:.8rem}
  .form-row{grid-template-columns:1fr}
  .anfrage-grid{gap:24px}
  .two-col{gap:32px}
  .footer-bottom{flex-direction:column;gap:8px;text-align:center}
  .partner-bar .container{gap:10px;flex-direction:column;text-align:center}
  .partner-bar-label{font-size:.8rem}
  .partner-bar-logos .verivox-logo{height:36px}
  .partner-badge{font-size:.7rem;padding:6px 12px}
}
@media(max-width:480px){
  .hero h1{font-size:1.65rem}
  .container{padding:0 16px}
  .stat-item{padding:16px}
  .stat-value{font-size:1.3rem}
}