/* =============================================
   CHECKPERT – Stylesheet
   ============================================= */

:root {
  --navy:          #102a43;
  --navy-dark:     #02184a;
  --brand-sky:     #2da8f2;
  --brand-blue:    #005ea8;
  --brand-blue-dark:#004d8a;
  --brand-blue-bg: #e8f5ff;
  --teal-500:      #005ea8;
  --teal-700:      #004d8a;
  --text:          #102a43;
  --text-muted:    #475467;
  --bg:            #ffffff;
  --bg-subtle:     #f7f9fb;
  --badge-bg:      #dfe4eb;
  --badge-text:    #556489;
  --danger:        #b42318;
  --danger-bg:     #fdf3f4;
  --border:        #e2e8f0;
  --link-on-navy:  #2da8f2;

  --radius:        12px;
  --radius-sm:     8px;
  --shadow:        0 4px 24px rgba(16, 42, 67, .10);
}

/* ----- Reset ----- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}
body { font-family: system-ui, -apple-system, "Segoe UI", Helvetica, Arial, sans-serif; color: var(--text); background: var(--bg); line-height: 1.5; -webkit-font-smoothing: antialiased; }
ul { list-style: none; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; }
h1, h2, h3 { line-height: 1.2; }
strong { font-weight: 700; }

/* ----- Utilities ----- */
.container { max-width: 1180px; margin-inline: auto; padding-inline: 1.5rem; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.text-teal { color: var(--teal-500); }

:focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 2px;
  box-shadow: 0 0 0 4px #fff;
  border-radius: 3px;
}

/* ----- Skip link (WCAG 2.4.1) ----- */
.skip-link {
  position: absolute;
  top: -100px;
  left: 1rem;
  z-index: 1000;
  background: var(--navy);
  color: #fff;
  padding: .75rem 1.25rem;
  border-radius: var(--radius-sm);
  font-size: .9375rem;
  font-weight: 600;
  transition: top .15s;
}
.skip-link:focus {
  top: 1rem;
}

/* ----- Badge ----- */
.badge {
  display: inline-block;
  background: var(--badge-bg);
  color: var(--badge-text);
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  padding: .3rem .85rem;
  border-radius: 100px;
  margin-bottom: 1rem;
}
.badge--case-sensitive {
  letter-spacing: .03em;
  text-transform: none;
}

/* ----- Buttons ----- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .625rem 1.25rem;
  border-radius: var(--radius-sm);
  font-size: .9375rem;
  font-weight: 600;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background .15s, color .15s, border-color .15s;
  text-decoration: none;
  text-align: center;
  white-space: normal;
  min-width: 0;
  max-width: 100%;
}
.btn--primary { background: var(--navy); color: #fff; }
.btn--primary:hover { background: var(--navy-dark); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--ghost:hover { background: var(--navy); color: #fff; }
.btn--cta { background: var(--brand-blue); color: #fff; }
.btn--cta:hover { background: var(--brand-blue-dark); }
.btn--light { background: #fff; color: var(--navy); border-color: #fff; }
.btn--light:hover { background: var(--brand-blue-bg); border-color: var(--brand-blue-bg); }
.btn--large { padding: .875rem 1.75rem; font-size: 1rem; }


/* ----- Form controls ----- */
.field {}
.field__label {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: baseline;
  gap: .375rem .75rem;
  font-size: .875rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: .625rem;
}
.field__value-pill {
  background: var(--badge-bg);
  color: var(--navy);
  font-size: .875rem;
  font-weight: 700;
  padding: .15rem .65rem;
  border-radius: 100px;
  white-space: nowrap;
}
.field__hint {
  font-size: .75rem;
  color: var(--text-muted);
  margin-top: .4rem;
}

.slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--badge-bg);
  outline: none;
  cursor: pointer;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid #fff;
  box-shadow: 0 0 0 2px var(--navy);
  cursor: pointer;
  transition: background .15s, box-shadow .15s;
}
.slider::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid #fff;
  box-shadow: 0 0 0 2px var(--navy);
  cursor: pointer;
}
.slider::-webkit-slider-thumb:hover,
.slider:focus-visible::-webkit-slider-thumb {
  background: var(--teal-500);
  box-shadow: 0 0 0 2px var(--teal-500);
}
.slider:focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 4px;
}
.slider-minmax {
  display: flex;
  justify-content: space-between;
  font-size: .625rem;
  color: var(--text-muted);
  margin-top: .3rem;
}


/* =============================================
   HEADER
   ============================================= */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .82);
  border-bottom: 1px solid rgba(226, 232, 240, .72);
  box-shadow: none;
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
}
.header .container {
  max-width: 1280px;
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  min-height: 56px;
}

.logo {
  display: flex;
  align-items: center;
  gap: .45rem;
  flex-shrink: 0;
  text-decoration: none;
}
.logo__mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  flex-shrink: 0;
}
.logo__mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.logo__text { display: flex; flex-direction: column; line-height: 1.05; }
.logo__name { font-size: .8125rem; font-weight: 800; letter-spacing: .08em; color: var(--navy); }
.logo__claim { font-size: .5625rem; color: var(--text-muted); }

.nav { display: flex; align-items: center; gap: .5rem; min-width: 0; }
.nav__list { display: flex; align-items: center; gap: .125rem; min-width: 0; }
.nav__list > li {
  position: relative;
}
.nav__link {
  display: block;
  padding: .45rem .58rem;
  font-size: .8125rem;
  color: #344054;
  border-radius: 999px;
  transition: background .15s, color .15s;
  white-space: nowrap;
  line-height: 1;
}
.nav__dropdown details {
  position: relative;
}
.nav__dropdown summary {
  list-style: none;
}
.nav__dropdown summary::-webkit-details-marker {
  display: none;
}
.nav__dropdown-toggle {
  cursor: pointer;
}
.nav__dropdown-toggle::after {
  content: "";
  display: inline-block;
  width: .45rem;
  height: .45rem;
  margin-left: .45rem;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: translateY(-.12rem) rotate(45deg);
  transition: transform .15s;
}
.nav__dropdown details[open] .nav__dropdown-toggle::after {
  transform: translateY(.05rem) rotate(225deg);
}
.nav__submenu {
  position: absolute;
  top: calc(100% + .55rem);
  left: 0;
  z-index: 20;
  min-width: 240px;
  overflow: hidden;
  border: 1px solid rgba(226, 232, 240, .9);
  border-radius: 14px;
  background: rgba(255,255,255,.98);
  box-shadow: 0 18px 38px rgba(16, 42, 67, .14);
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
  padding: .45rem;
}
.nav__submenu-link {
  display: block;
  border-radius: 10px;
  color: var(--navy);
  font-size: .875rem;
  font-weight: 650;
  line-height: 1.25;
  padding: .75rem .8rem;
  white-space: nowrap;
}
.nav__submenu-link:hover {
  background: var(--brand-blue-bg);
  color: var(--brand-blue-dark);
}
.nav__link:hover,
.nav__link[aria-current="page"] {
  background: rgba(232, 245, 255, .9);
  color: var(--navy);
}
.nav__cta {
  margin-left: .25rem;
  padding: .48rem .85rem;
  border-radius: 999px;
  font-size: .8125rem;
  white-space: nowrap;
}

/* Mobile toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: .5rem;
  border-radius: var(--radius-sm);
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform .2s, opacity .2s;
}

@media (max-width: 920px) {
  .nav-toggle { display: flex; }
  .nav {
    display: none;
    position: absolute;
    top: 56px;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    background: rgba(255, 255, 255, .96);
    border-bottom: 1px solid rgba(226, 232, 240, .9);
    padding: .75rem 1.5rem 1.25rem;
    box-shadow: 0 6px 20px rgba(16,42,67,.08);
    backdrop-filter: saturate(180%) blur(18px);
    -webkit-backdrop-filter: saturate(180%) blur(18px);
  }
  .nav.is-open { display: flex; }
  .nav__list { flex-direction: column; align-items: stretch; width: 100%; }
  .nav__list > li { position: static; }
  .nav__link {
    padding: .95rem 0;
    border-bottom: 1px solid var(--border);
    border-radius: 0;
    color: var(--navy);
    font-size: .9375rem;
    line-height: 1.2;
  }
  .nav__dropdown-toggle {
    display: flex;
    align-items: center;
    justify-content: space-between;
  }
  .nav__submenu {
    position: static;
    min-width: 0;
    border: 0;
    border-bottom: 1px solid var(--border);
    border-radius: 0;
    background: var(--brand-blue-bg);
    box-shadow: none;
    padding: .35rem .75rem .75rem;
  }
  .nav__submenu-link {
    padding: .72rem .65rem;
    white-space: normal;
  }
  .nav__link:hover,
  .nav__link[aria-current="page"] {
    background: transparent;
    color: var(--brand-blue);
  }
  .nav__cta { margin: .75rem 0 0; justify-content: center; }
  .header { position: relative; }
}

@media (max-width: 1100px) and (min-width: 921px) {
  .nav__link { padding-inline: .42rem; font-size: .75rem; }
  .nav__cta { padding-inline: .7rem; font-size: .75rem; }
}


/* =============================================
   HERO
   ============================================= */
.hero {
  padding: 4.5rem 0 3.5rem;
  background: var(--bg);
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 3rem;
  align-items: center;
}

.hero__heading {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 1.25rem;
  letter-spacing: -.01em;
}
.hero__desc {
  font-size: 1.0625rem;
  color: var(--text-muted);
  max-width: 44ch;
  margin-bottom: 2rem;
  line-height: 1.65;
}
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin-bottom: 1.75rem;
}

.trust-bar { display: flex; flex-wrap: wrap; gap: 1.25rem; }
.trust-bar__item {
  display: flex;
  align-items: center;
  gap: .4rem;
  font-size: .875rem;
  color: var(--text-muted);
}
.trust-bar__icon { flex-shrink: 0; }

/* Renten card */
.renten-card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  padding: 1.5rem;
}
.renten-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  padding-bottom: .75rem;
  margin-bottom: 1.125rem;
  border-bottom: 1px solid var(--border);
}
.renten-card__body {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  margin-bottom: 1.25rem;
}

/* Donut */
.donut-wrap {
  position: relative;
  flex-shrink: 0;
  width: 130px;
  height: 130px;
}
.donut {
  width: 130px;
  height: 130px;
  border-radius: 50%;
  /* Farben gegen Protanopie/Deuteranopie/Tritanopie simuliert und geprüft
     (siehe Barrierefreiheits-Audit) – bewusst auf der Blau-Gelb-Achse
     gespreizt statt mehrerer ähnlicher Blau-/Türkistöne */
  background: conic-gradient(
    #102a43  0%     43.9%,
    #005ea8  43.9%  66.5%,
    #c98a1f  66.5%  89.4%,
    #5b7a99  89.4%  100%
  );
}
.donut-center {
  position: absolute;
  inset: 23%;
  background: #fff;
  border-radius: 50%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 1px;
}
.donut-center__label { font-size: .475rem; color: var(--text-muted); line-height: 1.3; }
.donut-center__value { font-size: .9375rem; font-weight: 800; color: var(--navy); line-height: 1.1; }
.donut-center__sub { font-size: .475rem; color: var(--text-muted); }

/* Legend */
.renten-legend { flex: 1; display: flex; flex-direction: column; gap: .4rem; min-width: 0; }
.renten-legend__item {
  display: flex;
  align-items: center;
  gap: .45rem;
  font-size: .75rem;
  min-width: 0;
}
.renten-legend__dot {
  width: 9px; height: 9px; border-radius: 50%; flex-shrink: 0;
}
.renten-legend__dot--1 { background: #102a43; }
.renten-legend__dot--2 { background: var(--brand-blue); }
.renten-legend__dot--3 { background: #c98a1f; }
.renten-legend__dot--4 { background: #5b7a99; }
.renten-legend__label { flex: 1; color: var(--text-muted); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.renten-legend__value { font-weight: 700; color: var(--navy); white-space: nowrap; margin-left: auto; padding-left: .25rem; }
.renten-legend__item--gap {
  margin-top: .375rem;
  padding-top: .4rem;
  border-top: 1px solid var(--border);
  background: var(--danger-bg);
  border-radius: 4px;
  padding: .35rem .5rem;
}
.renten-legend__label--gap { color: var(--danger); font-weight: 500; }
.renten-legend__value--gap { color: var(--danger); }

/* Stats bar */
.renten-card__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.renten-stat { text-align: center; padding: 0 .5rem; }
.renten-stat--mid {
  border-left: 1px solid var(--border);
  border-right: 1px solid var(--border);
}
.renten-stat__label { display: block; font-size: .5625rem; color: var(--text-muted); margin-bottom: .25rem; line-height: 1.3; }
.renten-stat__value { display: block; font-size: .9375rem; font-weight: 800; color: var(--navy); }
.renten-stat__unit { font-size: .5625rem; font-weight: 400; color: var(--text-muted); }

@media (max-width: 960px) {
  .hero__inner { grid-template-columns: 1fr; }
  .renten-card { max-width: 420px; }
}
@media (max-width: 480px) {
  .renten-card__body { flex-direction: column; align-items: center; }
  .renten-legend { width: 100%; }
}

/* =============================================
   CHILD PENSION STARTER
   ============================================= */
.child-pension-starter {
  background:
    linear-gradient(180deg, #fff 0%, #f4fbff 54%, #fff 100%);
  border-top: 1px solid var(--border);
  padding: 4.75rem 0;
}
.child-pension-starter__hero {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(280px, .92fr);
  gap: 2rem;
  align-items: stretch;
  margin-bottom: 1.25rem;
}
.child-pension-starter__copy,
.child-pension-starter__visual,
.child-benefit-card,
.child-calculator,
.child-steps,
.child-lead-card {
  background: #fff;
  border: 1px solid #d7ebf8;
  box-shadow: 0 18px 48px rgba(16, 42, 67, .08);
}
.child-pension-starter__copy {
  border-radius: var(--radius);
  padding: clamp(1.5rem, 4vw, 2.5rem);
}
.child-pension-starter__heading {
  max-width: 760px;
  color: var(--navy);
  font-size: clamp(1.85rem, 4vw, 3rem);
  font-weight: 850;
  letter-spacing: -.015em;
  margin-bottom: 1rem;
}
.child-pension-starter__desc {
  max-width: 68ch;
  color: var(--text-muted);
  font-size: 1.0625rem;
  line-height: 1.72;
  margin-bottom: 1.75rem;
}
.child-pension-starter__visual {
  position: relative;
  min-height: 300px;
  overflow: hidden;
  border-radius: var(--radius);
  background:
    linear-gradient(90deg, rgba(16, 42, 67, .68) 0%, rgba(16, 42, 67, .25) 42%, rgba(255, 255, 255, .08) 100%),
    url("images/fruehstart-family.jpg") center / cover no-repeat;
  isolation: isolate;
}
.child-pension-starter__visual::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, .08) 0%, rgba(16, 42, 67, .34) 100%),
    radial-gradient(circle at 8% 82%, rgba(45, 168, 242, .34), transparent 13rem);
}
.child-pension-starter__visual::after {
  content: "";
  position: absolute;
  left: 1.2rem;
  right: 1.2rem;
  bottom: 1.2rem;
  height: 118px;
  border-radius: 18px;
  background: linear-gradient(90deg, rgba(255, 255, 255, .9), rgba(255, 255, 255, .54));
  backdrop-filter: blur(14px);
  box-shadow: 0 18px 40px rgba(16, 42, 67, .18);
}
/* Kennzeichnung KI-generierter Bilder (Art. 50 Abs. 4 KI-VO) – gut lesbar, nicht versteckt */
.ai-label {
  position: absolute;
  top: .75rem;
  left: .75rem;
  z-index: 3;
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  padding: .3rem .65rem;
  border-radius: 999px;
  background: rgba(16, 42, 67, .82);
  color: #fff;
  font-size: .75rem;
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: .01em;
}
.ai-label::before {
  content: "KI";
  display: inline-grid;
  place-items: center;
  min-width: 1.35rem;
  height: 1.1rem;
  padding: 0 .2rem;
  border-radius: 4px;
  background: #fff;
  color: var(--navy);
  font-size: .625rem;
  font-weight: 850;
}
.child-pension-starter__bubble {
  position: absolute;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 104px;
  min-height: 70px;
  padding: .85rem 1rem;
  border-radius: 16px;
  background: rgba(255, 255, 255, .92);
  color: var(--navy);
  border: 1px solid rgba(255, 255, 255, .7);
  box-shadow: 0 16px 34px rgba(16,42,67,.18);
  font-size: 1.1rem;
  font-weight: 850;
  text-align: center;
  backdrop-filter: blur(12px);
}
.child-pension-starter__bubble small {
  display: block;
  color: var(--text-muted);
  font-size: .65rem;
  font-weight: 700;
  line-height: 1.15;
}
.child-pension-starter__bubble--large {
  left: 2rem;
  bottom: 2rem;
  flex-direction: column;
  min-width: 132px;
  min-height: 86px;
  background: var(--navy);
  color: #fff;
  font-size: 2rem;
}
.child-pension-starter__bubble--large small { color: rgba(255,255,255,.7); }
.child-pension-starter__bubble:not(.child-pension-starter__bubble--large):not(.child-pension-starter__bubble--accent) {
  right: 2rem;
  bottom: 6.65rem;
}
.child-pension-starter__bubble--accent {
  right: 2rem;
  bottom: 2rem;
  background: #fff8e9;
  border-color: #f1c16d;
}
.child-benefits {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin-bottom: 1.25rem;
}
.child-benefit-card {
  border-radius: var(--radius-sm);
  padding: 1.25rem;
}
.child-benefit-card__icon {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  margin-bottom: 1rem;
  border-radius: 14px;
  background: var(--brand-blue-bg);
  color: var(--brand-blue);
}
.child-benefit-card h3 {
  color: var(--navy);
  font-size: 1rem;
  margin-bottom: .45rem;
}
.child-benefit-card p {
  color: var(--text-muted);
  font-size: .875rem;
  line-height: 1.6;
}
.child-pension-starter__details {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(280px, .72fr) minmax(320px, .9fr);
  gap: 1rem;
  align-items: stretch;
}
.child-calculator,
.child-steps,
.child-lead-card {
  border-radius: var(--radius-sm);
  padding: 1.35rem;
}
.child-pension-starter__eyebrow {
  color: var(--brand-blue-dark);
  font-size: .6875rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: .4rem;
}
.child-calculator__header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.4rem;
}
.child-calculator h3,
.child-steps h3,
.child-lead-card h3 {
  color: var(--navy);
  font-size: 1.25rem;
  font-weight: 850;
}
.child-calculator__rate {
  flex-shrink: 0;
  border-radius: 999px;
  background: #eaf8ed;
  color: var(--navy);
  font-size: .8125rem;
  font-weight: 850;
  padding: .42rem .75rem;
}
.child-calculator__stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: .65rem;
  margin-top: 1.15rem;
}
.child-calculator__stats div {
  border-radius: 10px;
  background: var(--bg-subtle);
  padding: .9rem;
}
.child-calculator__stats dt {
  color: var(--text-muted);
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .04em;
  text-transform: uppercase;
  min-height: 2.2em;
}
.child-calculator__stats dd {
  color: var(--navy);
  font-size: 1.35rem;
  font-weight: 850;
  margin-top: .35rem;
}
.child-calculator__stats .child-calculator__stat-highlight {
  background: var(--navy);
}
.child-calculator__stat-highlight dt { color: rgba(255,255,255,.6); }
.child-calculator__stat-highlight dd { color: #fff; }
.child-calculator__hint {
  margin-top: 1rem;
  border-radius: 10px;
  background: #edf8ff;
  border: 1px solid #cde9fb;
  color: var(--text-muted);
  font-size: .875rem;
  font-weight: 650;
  line-height: 1.55;
  padding: .8rem .9rem;
}
.child-steps__list {
  display: grid;
  gap: .9rem;
  margin-top: 1.25rem;
  list-style: none;
  counter-reset: none;
}
.child-steps__list li {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  color: var(--text-muted);
  font-size: .9375rem;
  font-weight: 700;
  line-height: 1.45;
}
.child-steps__list span {
  display: grid;
  flex: 0 0 auto;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-size: .875rem;
  font-weight: 850;
}
.child-lead-card__intro {
  margin-top: .5rem;
  color: var(--text-muted);
  font-size: .9rem;
  line-height: 1.5;
}
.child-lead-form {
  display: grid;
  gap: .85rem;
  margin-top: 1rem;
}
.child-lead-card .child-lead-form__subheading {
  margin-top: .35rem;
  color: var(--navy);
  font-size: 1rem;
  font-weight: 850;
}
.child-lead-form__submit {
  justify-self: start;
}
.child-pension-starter__legal {
  margin-top: 1rem;
  max-width: 980px;
  color: var(--text-muted);
  font-size: .75rem;
  line-height: 1.6;
}

@media (max-width: 1060px) {
  .child-pension-starter__details {
    grid-template-columns: 1fr 1fr;
  }
  .child-calculator {
    grid-column: 1 / -1;
  }
}
@media (max-width: 860px) {
  .child-pension-starter__hero,
  .child-benefits,
  .child-pension-starter__details {
    grid-template-columns: 1fr;
  }
  .child-pension-starter__visual {
    min-height: 260px;
  }
}
@media (max-width: 560px) {
  .child-pension-starter {
    padding: 3.5rem 0;
  }
  .child-pension-starter__copy,
  .child-calculator,
  .child-steps,
  .child-lead-card {
    padding: 1.1rem;
  }
  .child-pension-starter__visual {
    min-height: 310px;
    background-position: 58% center;
  }
  .child-pension-starter__bubble {
    min-width: 92px;
    min-height: 58px;
    padding: .7rem .8rem;
    border-radius: 13px;
    font-size: .9rem;
  }
  .child-pension-starter__bubble--large {
    left: .85rem;
    bottom: .85rem;
    min-width: 112px;
    min-height: 70px;
    font-size: 1.55rem;
  }
  .child-pension-starter__bubble:not(.child-pension-starter__bubble--large):not(.child-pension-starter__bubble--accent) {
    right: .85rem;
    bottom: 5.7rem;
  }
  .child-pension-starter__bubble--accent {
    right: .85rem;
    bottom: .85rem;
  }
  .child-calculator__header {
    flex-direction: column;
  }
  .child-calculator__stats {
    grid-template-columns: 1fr;
  }
  .child-calculator__stats dt {
    min-height: 0;
  }
  .child-lead-form__submit {
    justify-self: stretch;
  }
}

/* =============================================
   FEATURES
   ============================================= */
.features {
  background: var(--bg-subtle);
  padding: 4rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.features__grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
}
.feature-card { text-align: center; padding: 1.25rem .75rem; }
.feature-card__icon { margin: 0 auto 1rem; width: 40px; height: 40px; }
.feature-card__title { font-size: .9375rem; font-weight: 700; color: var(--navy); margin-bottom: .5rem; }
.feature-card__text { font-size: .8125rem; color: var(--text-muted); line-height: 1.6; }

@media (max-width: 860px) {
  .features__grid { grid-template-columns: repeat(2, 1fr); gap: .5rem; }
  .features__grid li:last-child { grid-column: 1 / -1; max-width: 280px; margin: 0 auto; }
}
@media (max-width: 480px) {
  .features__grid { grid-template-columns: 1fr; }
  .features__grid li:last-child { grid-column: auto; max-width: none; }
}


/* =============================================
   REFORM
   ============================================= */
.reform { padding: 5rem 0; background: var(--bg); }
.reform__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
  align-items: start;
}
.reform__heading {
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 1rem;
  letter-spacing: -.01em;
}
.reform__desc { color: var(--text-muted); margin-bottom: 1.5rem; line-height: 1.65; }
.reform__list { display: flex; flex-direction: column; gap: .625rem; margin-bottom: 1.5rem; }
.reform__list li {
  display: flex;
  align-items: flex-start;
  gap: .625rem;
  font-size: .9375rem;
  color: var(--text-muted);
}
.reform__list svg { flex-shrink: 0; margin-top: 2px; }
.link-arrow { color: var(--teal-700); font-weight: 600; font-size: .9375rem; display: inline-block; }
.link-arrow:hover { color: var(--teal-500); }

/* Depot card */
.depot-card {
  background: var(--bg-subtle);
  border-radius: var(--radius);
  padding: 1.75rem;
  border: 1px solid var(--border);
  position: relative;
}
.depot-card__badge {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  width: 52px;
  height: 52px;
  background: var(--teal-500);
  color: #fff;
  font-size: .5625rem;
  font-weight: 800;
  text-align: center;
  line-height: 1.25;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.depot-card__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1.375rem;
  padding-right: 3.5rem;
}
.depot-features { display: flex; flex-direction: column; gap: 1.1rem; }
.depot-feature { display: flex; gap: .875rem; align-items: flex-start; }
.depot-feature__icon { flex-shrink: 0; margin-top: 1px; }
.depot-feature strong { display: block; font-size: .9375rem; color: var(--navy); margin-bottom: .15rem; }
.depot-feature p { font-size: .8125rem; color: var(--text-muted); line-height: 1.55; }

@media (max-width: 860px) {
  .reform__inner { grid-template-columns: 1fr; }
}


/* =============================================
   CALC TEASERS (Startseite: Links zu den eigenstaendigen Rechnerseiten)
   ============================================= */
.calc-teasers {
  padding: 4.5rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.calc-teasers__head { max-width: 640px; margin: 0 auto 2.5rem; text-align: center; }
.calc-teasers__head .badge { margin-bottom: 1rem; }
.calc-teasers__head h2 { font-size: clamp(1.5rem, 2.6vw, 1.875rem); font-weight: 800; color: var(--navy); }
.calc-teaser-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.calc-teaser-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
}
.calc-teaser-card__tag { margin-bottom: .875rem; }
.calc-teaser-card h3 { font-size: 1.1875rem; font-weight: 700; color: var(--navy); margin-bottom: .625rem; line-height: 1.35; }
.calc-teaser-card p { font-size: .9375rem; color: var(--text-muted); line-height: 1.6; margin-bottom: 1.25rem; }
.calc-teaser-card .btn { align-self: flex-start; margin-top: auto; }
@media (max-width: 720px) {
  .calc-teaser-grid { grid-template-columns: 1fr; }
}

/* =============================================
   pAV CALCULATOR
   ============================================= */
.pav-calculator {
  background: linear-gradient(180deg, var(--brand-blue-bg) 0%, var(--bg-subtle) 100%);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 5rem 0;
}
.pav-calculator__inner {
  display: grid;
  grid-template-columns: .82fr 1.18fr;
  gap: 3rem;
  align-items: start;
}
.pav-calculator__heading {
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 1rem;
}
.pav-calculator__desc {
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}
.pav-calculator__facts {
  display: flex;
  flex-direction: column;
  gap: .65rem;
  color: var(--text-muted);
  font-size: .9375rem;
}
.pav-calculator__facts li {
  position: relative;
  padding-left: 1.35rem;
}
.pav-calculator__facts li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .52rem;
  width: .45rem;
  height: .45rem;
  border-radius: 50%;
  background: var(--brand-sky);
}
.pav-widget {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 280px;
  gap: 1.5rem;
  background: #fff;
  border: 1px solid #bddcf3;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.5rem;
}
.pav-widget__inputs {
  display: flex;
  flex-direction: column;
  gap: 1.45rem;
}
.pav-widget__split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.pav-result {
  background: linear-gradient(155deg, var(--navy) 0%, var(--brand-blue-dark) 100%);
  color: #fff;
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  align-self: stretch;
}
.pav-result__label {
  font-size: .75rem;
  color: rgba(255,255,255,.68);
  margin-bottom: .35rem;
}
.pav-result__value {
  display: block;
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  line-height: 1.05;
  margin-bottom: 1rem;
}
.pav-result__bar {
  display: flex;
  width: 100%;
  height: 10px;
  overflow: hidden;
  border-radius: 100px;
  background: rgba(255,255,255,.14);
  margin-bottom: 1.25rem;
}
.pav-result__bar span { display: block; min-width: 3px; transition: width .2s; }
#pav-own-bar { background: #fff; }
#pav-allowance-bar { background: var(--brand-sky); }
#pav-return-bar { background: #c98a1f; }
.pav-result__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: .75rem;
  margin-bottom: 1.1rem;
}
.pav-result__grid div {
  border-top: 1px solid rgba(255,255,255,.14);
  padding-top: .7rem;
}
.pav-result__grid dt {
  font-size: .6875rem;
  color: rgba(255,255,255,.62);
  margin-bottom: .15rem;
}
.pav-result__grid dd {
  font-size: 1rem;
  font-weight: 800;
}
.pav-result__note {
  color: rgba(255,255,255,.58);
  font-size: .6875rem;
  line-height: 1.55;
}

@media (max-width: 960px) {
  .pav-calculator__inner,
  .pav-widget { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .pav-calculator { padding: 3.5rem 0; }
  .pav-widget { padding: 1.1rem; }
  .pav-widget__split { grid-template-columns: 1fr; }
}


/* =============================================
   APPOINTMENT PROMO
   ============================================= */
.appointment-promo {
  background: #fff;
  padding: 5rem 0;
}
.appointment-promo__inner {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(360px, 1.1fr);
  gap: 2.5rem;
  align-items: center;
}
.appointment-promo__copy {
  max-width: 680px;
}
.appointment-promo__heading {
  font-size: clamp(1.625rem, 3vw, 2.375rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 1rem;
}
.appointment-promo__desc {
  color: var(--text-muted);
  font-size: 1.0625rem;
  line-height: 1.65;
  margin-bottom: 1.5rem;
}
.appointment-promo__list {
  display: grid;
  gap: .65rem;
  color: var(--text-muted);
  margin-bottom: 1.75rem;
}
.appointment-promo__list li {
  display: flex;
  gap: .625rem;
  align-items: flex-start;
}
.appointment-promo__list li::before {
  content: "";
  width: .55rem;
  height: .55rem;
  margin-top: .48rem;
  border-radius: 50%;
  background: var(--brand-sky);
  flex-shrink: 0;
}
.appointment-promo__actions {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
}
.appointment-form-card {
  background: var(--brand-blue-bg);
  border: 1px solid #bddcf3;
  border-radius: var(--radius-sm);
  padding: 1.5rem;
  box-shadow: var(--shadow);
}
.appointment-form-card__header {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1rem;
  align-items: center;
  margin-bottom: 1.35rem;
}
.appointment-card__date {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 86px;
  min-height: 86px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-weight: 800;
  text-align: center;
  line-height: 1.12;
}
.appointment-card__title {
  color: var(--navy);
  font-size: 1.125rem;
  font-weight: 800;
  margin-bottom: .5rem;
}
.appointment-card__text {
  color: var(--text-muted);
  font-size: .9375rem;
  line-height: 1.6;
}
.appointment-form {
  display: grid;
  gap: 1rem;
}
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: .9rem;
}
.form-field {
  display: grid;
  gap: .4rem;
}
.form-field--full {
  grid-column: 1 / -1;
}
.form-label {
  color: var(--navy);
  font-size: .875rem;
  font-weight: 800;
}
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  border: 1px solid #a9cfe8;
  border-radius: 8px;
  background: #fff;
  color: var(--navy);
  font: inherit;
  padding: .78rem .85rem;
  min-height: 46px;
  transition: border-color .18s ease, box-shadow .18s ease;
}
.form-textarea {
  min-height: 112px;
  resize: vertical;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--brand-sky);
  box-shadow: 0 0 0 3px rgba(36, 169, 225, .22);
  outline: none;
}
.checkbox-stack {
  border: 1px solid #c9deee;
  border-radius: 8px;
  background: rgba(255,255,255,.58);
  padding: .85rem;
}
.checkbox-stack label {
  display: flex;
  gap: .5rem;
  align-items: flex-start;
  color: var(--text-muted);
  font-size: .9rem;
  line-height: 1.45;
}
.checkbox-stack input,
.appointment-form__consent input {
  accent-color: var(--brand-sky);
  flex: 0 0 auto;
  margin-top: .15rem;
}
.appointment-form__consent {
  display: flex;
  gap: .6rem;
  align-items: flex-start;
  color: var(--text-muted);
  font-size: .8125rem;
  line-height: 1.5;
}
.appointment-form__consent a {
  color: var(--brand-blue-dark);
  font-weight: 800;
}
.appointment-form__message {
  border-radius: 8px;
  padding: .85rem 1rem;
  background: #e9f7ff;
  border: 1px solid #a9dff8;
  color: var(--navy);
  font-size: .875rem;
  line-height: 1.5;
}
.appointment-form__message.is-error {
  background: #fff1f1;
  border-color: #efb4b4;
}
.appointment-form__submit {
  justify-self: start;
}

@media (max-width: 860px) {
  .appointment-promo__inner { grid-template-columns: 1fr; }
  .appointment-form-card { max-width: 620px; }
}
@media (max-width: 560px) {
  .appointment-promo { padding: 3.5rem 0; }
  .appointment-form-card__header,
  .form-grid {
    grid-template-columns: 1fr;
  }
  .appointment-card__date {
    min-width: 76px;
    min-height: 76px;
  }
  .appointment-form__submit {
    justify-self: stretch;
  }
}


/* =============================================
   TRUST SECTION
   ============================================= */
.trust-section {
  background: var(--bg-subtle);
  padding: 4rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.trust-section__eyebrow {
  text-align: center;
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 2.5rem;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.trust-item { text-align: center; }
.trust-item__icon { margin: 0 auto 1rem; }
.trust-item__title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: .3rem; }
.trust-item__text { font-size: .875rem; color: var(--text-muted); }

@media (max-width: 680px) {
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 2rem 1.5rem; }
}


/* =============================================
   CTA SECTION
   ============================================= */
.cta-section { background: var(--navy); padding: 5rem 0; }
.cta-section__inner { text-align: center; }
.cta-section__heading {
  font-size: clamp(1.625rem, 3vw, 2.375rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: .75rem;
  letter-spacing: -.01em;
}
.cta-section__desc { color: rgba(255,255,255,.7); font-size: 1.0625rem; margin-bottom: 2.25rem; }
.cta-section__actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: .75rem;
}
.cta-section :focus-visible { box-shadow: 0 0 0 4px var(--navy); outline-color: #fff; }


/* =============================================
   FOOTER
   ============================================= */
.footer { background: var(--navy); color: #fff; padding-top: 3.5rem; }
.footer__inner {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 2rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer__brand-name { font-size: .8125rem; font-weight: 800; letter-spacing: .1em; margin-bottom: .2rem; }
.footer__brand-claim { font-size: .6875rem; color: rgba(255,255,255,.55); margin-bottom: .875rem; }
.footer__brand-desc { font-size: .8125rem; color: rgba(255,255,255,.6); line-height: 1.6; }

.footer__col-heading {
  font-size: .75rem;
  font-weight: 700;
  color: rgba(255,255,255,.9);
  letter-spacing: .04em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.footer__nav-col ul { display: flex; flex-direction: column; gap: .375rem; }
.footer__nav-col a { display: inline-block; padding: .3125rem 0; font-size: .8125rem; color: var(--link-on-navy); transition: color .15s; }
.footer__nav-col a:hover { color: #fff; }
.footer__link-button {
  display: inline-block;
  padding: .3125rem 0;
  border: 0;
  background: none;
  color: var(--link-on-navy);
  font: inherit;
  font-size: .8125rem;
  text-align: left;
  cursor: pointer;
  transition: color .15s;
}
.footer__link-button:hover { color: #fff; }

.footer__bottom { padding: 1.25rem 0; }
.footer__bottom p { font-size: .75rem; color: rgba(255,255,255,.55); }

.footer :focus-visible { outline-color: var(--teal-500); box-shadow: 0 0 0 4px var(--navy); }

@media (max-width: 800px) {
  .footer__inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .footer__inner { grid-template-columns: 1fr; }
}


/* =============================================
   PRIVACY NOTICE
   ============================================= */
.privacy-notice {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  z-index: 200;
  max-width: 820px;
  margin-inline: auto;
  display: none;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  background: rgba(255,255,255,.96);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 16px 40px rgba(16, 42, 67, .18);
  padding: 1rem;
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
}
.privacy-notice.is-visible { display: flex; }
.privacy-notice__content { flex: 1; min-width: 0; }
.privacy-notice__text {
  color: var(--text-muted);
  font-size: .875rem;
  line-height: 1.55;
}
.privacy-notice__text strong { color: var(--navy); }
.privacy-notice__text a {
  color: var(--brand-blue);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.privacy-notice__actions {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  flex-shrink: 0;
  justify-content: flex-end;
}
.privacy-notice__btn {
  border: 2px solid transparent;
  border-radius: 999px;
  background: #fff;
  color: var(--navy);
  font: inherit;
  font-size: .875rem;
  font-weight: 700;
  padding: .55rem .95rem;
  cursor: pointer;
}
.privacy-notice__btn:hover { background: var(--brand-blue-bg); }
.privacy-notice__btn--primary {
  background: var(--brand-blue);
  color: #fff;
}
.privacy-notice__btn--primary:hover { background: var(--brand-blue-dark); }
.privacy-notice__btn--ghost {
  border-color: var(--border);
}
.privacy-notice__settings {
  display: none;
  border-top: 1px solid var(--border);
  margin-top: .875rem;
  padding-top: .875rem;
}
.privacy-notice__settings.is-open { display: grid; gap: .65rem; }
.privacy-choice {
  display: flex;
  gap: .65rem;
  align-items: flex-start;
  color: var(--text-muted);
  font-size: .8125rem;
  line-height: 1.5;
}
.privacy-choice input {
  flex-shrink: 0;
  margin-top: .2rem;
}
.privacy-choice strong {
  display: block;
  color: var(--navy);
  font-size: .875rem;
}
.privacy-choice input:disabled + span { opacity: .85; }

@media (max-width: 620px) {
  .privacy-notice {
    align-items: stretch;
    flex-direction: column;
  }
  .privacy-notice__actions { justify-content: flex-end; }
}

/* =============================================
   WECHSEL-CHECK VORSORGEDEPOT
   ============================================= */
.wechsel-check-page {
  background: linear-gradient(180deg, #f8fcff 0%, #fff 42%, #f7f9fb 100%);
}
.wechsel-hero {
  padding: 4rem 0 2rem;
  border-bottom: 1px solid var(--border);
  background:
    radial-gradient(circle at 84% 18%, rgba(45,168,242,.12), transparent 18rem),
    linear-gradient(180deg, #fff 0%, #f4fbff 100%);
}
.wechsel-hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, .72fr);
  gap: 1.25rem;
  align-items: stretch;
}
.wechsel-hero__copy,
.wechsel-trust-card,
.wechsel-shell,
.wechsel-results {
  background: #fff;
  border: 1px solid #d7ebf8;
  border-radius: var(--radius);
  box-shadow: 0 18px 48px rgba(16, 42, 67, .08);
}
.wechsel-hero__copy { padding: clamp(1.4rem, 4vw, 2.5rem); }
.wechsel-hero h1 {
  max-width: 780px;
  color: var(--navy);
  font-size: clamp(2rem, 4.5vw, 3.35rem);
  line-height: 1.08;
  letter-spacing: -.015em;
  font-weight: 850;
  margin: .8rem 0 1rem;
}
.wechsel-hero p {
  max-width: 66ch;
  color: var(--text-muted);
  font-size: 1.08rem;
  line-height: 1.7;
}
.wechsel-hero__actions,
.wechsel-results__actions {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin-top: 1.5rem;
}
.wechsel-trust-card {
  padding: 1.4rem;
  align-content: center;
  background: linear-gradient(155deg, var(--navy) 0%, var(--brand-blue-dark) 100%);
  color: #fff;
}
.wechsel-trust-card strong {
  display: block;
  font-size: 1.25rem;
  margin-bottom: .65rem;
}
.wechsel-trust-card p,
.wechsel-trust-card li {
  color: rgba(255,255,255,.78);
  font-size: .95rem;
  line-height: 1.6;
}
.wechsel-trust-card ul {
  display: grid;
  gap: .5rem;
  margin-top: 1rem;
}
.wechsel-trust-card li {
  display: flex;
  gap: .5rem;
  align-items: flex-start;
}
.wechsel-trust-card li::before {
  content: "";
  width: .45rem;
  height: .45rem;
  margin-top: .55rem;
  border-radius: 50%;
  background: var(--brand-sky);
  flex: 0 0 auto;
}
.wechsel-intro,
.wechsel-check { padding: 3.5rem 0; }
.wechsel-section-head {
  max-width: 780px;
  margin-bottom: 1.25rem;
}
.wechsel-section-head h2,
.wechsel-results__header h2 {
  color: var(--navy);
  font-size: clamp(1.7rem, 3vw, 2.35rem);
  line-height: 1.18;
  margin: .75rem 0 .6rem;
}
.wechsel-section-head p,
.wechsel-results__header p {
  color: var(--text-muted);
  font-size: 1rem;
  line-height: 1.65;
}
.wechsel-benefits {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}
.wechsel-benefit-card,
.wechsel-result-card,
.wechsel-explain,
.wechsel-upload,
.wechsel-module-roadmap,
.wechsel-disclaimer {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
}
.wechsel-benefit-card { padding: 1.25rem; }
.wechsel-benefit-card span {
  display: inline-grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 12px;
  background: var(--brand-blue-bg);
  color: var(--brand-blue);
  font-weight: 850;
  margin-bottom: .9rem;
}
.wechsel-benefit-card h3,
.wechsel-result-card h3,
.wechsel-explain h3,
.wechsel-upload h3,
.wechsel-module-roadmap h3 {
  color: var(--navy);
  font-size: 1.05rem;
  margin-bottom: .55rem;
}
.wechsel-benefit-card p {
  color: var(--text-muted);
  font-size: .92rem;
  line-height: 1.6;
}
.wechsel-shell {
  max-width: 920px;
  margin: 0 auto;
  overflow: hidden;
}
.wechsel-progress {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--border);
  background: var(--bg-subtle);
}
.wechsel-progress__top {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  color: var(--text-muted);
  font-size: .84rem;
  font-weight: 800;
  margin-bottom: .75rem;
}
.wechsel-progress__top strong { color: var(--navy); }
.wechsel-progress__bar {
  height: 8px;
  overflow: hidden;
  border-radius: 999px;
  background: #dbe7f1;
}
.wechsel-progress__bar span {
  display: block;
  width: 10%;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-sky));
  transition: width .22s ease;
}
.wechsel-form { padding: clamp(1.2rem, 4vw, 2rem); }
.wechsel-step[hidden] { display: none; }
.wechsel-step.is-active { animation: wechselFade .18s ease; }
.wechsel-step__eyebrow {
  color: var(--brand-blue-dark);
  font-size: .72rem;
  font-weight: 850;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: .45rem;
}
.wechsel-step h3 {
  color: var(--navy);
  font-size: clamp(1.35rem, 2.8vw, 1.85rem);
  line-height: 1.25;
  margin-bottom: .55rem;
}
.wechsel-step__hint,
.wechsel-upload p,
.wechsel-disclaimer,
.wechsel-upload__notice {
  color: var(--text-muted);
  font-size: .93rem;
  line-height: 1.65;
}
.wechsel-choice-grid {
  display: grid;
  gap: .75rem;
  margin-top: 1.1rem;
}
.wechsel-choice-grid--compact { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.wechsel-choice,
.wechsel-choice-row label,
.wechsel-inline-check,
.wechsel-fieldset label {
  display: flex;
  gap: .7rem;
  align-items: flex-start;
  color: var(--navy);
  font-weight: 800;
  line-height: 1.45;
}
.wechsel-choice {
  min-height: 62px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: #fff;
  padding: .95rem;
  cursor: pointer;
  transition: border-color .15s, background .15s, box-shadow .15s;
}
.wechsel-choice:has(input:checked) {
  border-color: var(--brand-sky);
  background: var(--brand-blue-bg);
  box-shadow: 0 0 0 3px rgba(45,168,242,.12);
}
.wechsel-choice small {
  display: block;
  color: var(--text-muted);
  font-size: .78rem;
  font-weight: 600;
  margin-top: .16rem;
}
.wechsel-choice input,
.wechsel-choice-row input,
.wechsel-inline-check input,
.wechsel-fieldset input {
  accent-color: var(--brand-blue);
  flex: 0 0 auto;
  margin-top: .2rem;
}
.wechsel-field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: .9rem;
  margin-top: 1.1rem;
}
.wechsel-field {
  display: grid;
  gap: .4rem;
  margin-top: 1.1rem;
}
.wechsel-field label,
.wechsel-fieldset legend {
  color: var(--navy);
  font-size: .875rem;
  font-weight: 850;
}
.wechsel-field label span,
.wechsel-fieldset legend span {
  color: var(--text-muted);
  font-weight: 700;
}
.wechsel-field input,
.wechsel-field select {
  width: 100%;
  min-height: 50px;
  border: 1px solid #b9d8ed;
  border-radius: 12px;
  background: #fff;
  color: var(--navy);
  padding: .82rem .9rem;
  font: inherit;
}
.wechsel-field input:focus,
.wechsel-field select:focus {
  border-color: var(--brand-sky);
  box-shadow: 0 0 0 3px rgba(45,168,242,.2);
  outline: 0;
}
.wechsel-choice-row {
  display: flex;
  flex-wrap: wrap;
  gap: .9rem;
  margin-top: 1rem;
}
.wechsel-inline-check { margin-top: 1rem; }
.wechsel-fieldset {
  display: grid;
  gap: .7rem;
  margin-top: 1.1rem;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 1rem;
  background: var(--bg-subtle);
}
.wechsel-fieldset--cards {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  border: 0;
  background: transparent;
  padding: 0;
}
.wechsel-fieldset--cards label {
  min-height: 54px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: #fff;
  padding: .85rem;
}
.wechsel-fieldset--cards label:has(input:checked) {
  border-color: var(--brand-sky);
  background: var(--brand-blue-bg);
}
.wechsel-error {
  margin-top: 1rem;
  border: 1px solid #efb4b4;
  border-radius: 12px;
  background: #fff1f1;
  color: #8a1f1f;
  padding: .85rem 1rem;
  font-size: .88rem;
  font-weight: 800;
}
.wechsel-actions {
  display: flex;
  justify-content: space-between;
  gap: .75rem;
  flex-wrap: wrap;
  margin-top: 1.35rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.wechsel-actions .btn:disabled {
  opacity: .45;
  cursor: not-allowed;
}
.wechsel-results {
  max-width: 1120px;
  margin: 1.5rem auto 0;
  padding: clamp(1.2rem, 4vw, 2rem);
}
.wechsel-result-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1.25rem;
}
.wechsel-result-card { padding: 1rem; }
.wechsel-result-card ul {
  display: grid;
  gap: .7rem;
}
.wechsel-result-card li {
  display: grid;
  gap: .25rem;
}
.wechsel-result-card li span {
  justify-self: start;
  border-radius: 999px;
  background: var(--bg-subtle);
  color: var(--text-muted);
  padding: .18rem .55rem;
  font-size: .68rem;
  font-weight: 850;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.wechsel-result-card li strong {
  color: var(--navy);
  font-size: .94rem;
  line-height: 1.45;
}
.wechsel-result-card--strengths { border-top: 4px solid #0b6b4f; }
.wechsel-result-card--reviewPoints { border-top: 4px solid #c98a1f; }
.wechsel-result-card--opportunities { border-top: 4px solid var(--brand-blue); }
.wechsel-result-card--risks { border-top: 4px solid #7c4d00; }
.wechsel-result-card--missing { border-top: 4px solid #5b7a99; }
.wechsel-explain,
.wechsel-upload,
.wechsel-module-roadmap,
.wechsel-disclaimer {
  margin-top: 1rem;
  padding: 1.15rem;
}
.wechsel-explanation {
  border-top: 1px solid var(--border);
  padding: .75rem 0;
}
.wechsel-explanation:first-of-type { border-top: 0; }
.wechsel-explanation summary {
  cursor: pointer;
  color: var(--navy);
  font-weight: 850;
  line-height: 1.45;
}
.wechsel-explanation summary span {
  display: block;
  color: var(--brand-blue-dark);
  font-size: .68rem;
  text-transform: uppercase;
  letter-spacing: .05em;
  margin-bottom: .15rem;
}
.wechsel-explanation p {
  color: var(--text-muted);
  font-size: .93rem;
  line-height: 1.65;
  margin-top: .55rem;
}
.wechsel-upload {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(260px, .38fr);
  gap: 1rem;
  align-items: center;
  background: linear-gradient(135deg, #fff 0%, #f3fbff 100%);
}
.wechsel-upload__notice { margin-top: .75rem; }
.wechsel-upload__notice a {
  color: var(--brand-blue-dark);
  font-weight: 850;
}
.wechsel-upload__box {
  display: grid;
  gap: .5rem;
  border: 1px dashed #9fcce8;
  border-radius: 14px;
  background: #fff;
  padding: 1rem;
  color: var(--navy);
  font-weight: 850;
}
.wechsel-upload__box span {
  color: var(--text-muted);
  font-size: .85rem;
  font-weight: 700;
}
.wechsel-module-roadmap ul {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  margin-top: .7rem;
}
.wechsel-module-roadmap li {
  border-radius: 999px;
  background: var(--bg-subtle);
  color: var(--text-muted);
  padding: .35rem .65rem;
  font-size: .78rem;
  font-weight: 800;
}
.wechsel-disclaimer {
  background: #fff7e6;
  border-color: #f2c56f;
  color: #4e3200;
  font-weight: 700;
}
@keyframes wechselFade {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce) {
  .wechsel-step.is-active,
  .wechsel-progress__bar span {
    animation: none;
    transition: none;
  }
}
@media (max-width: 980px) {
  .wechsel-hero__grid,
  .wechsel-upload { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .wechsel-hero { padding: 2.75rem 0 1.5rem; }
  .wechsel-intro,
  .wechsel-check { padding: 2.5rem 0; }
  .wechsel-benefits,
  .wechsel-result-grid,
  .wechsel-field-grid,
  .wechsel-choice-grid--compact,
  .wechsel-fieldset--cards {
    grid-template-columns: 1fr;
  }
  .wechsel-progress__top {
    flex-direction: column;
    gap: .2rem;
  }
  .wechsel-actions .btn,
  .wechsel-results__actions .btn,
  .wechsel-hero__actions .btn {
    width: 100%;
    justify-content: center;
  }
}

/* ── Spam-Schutz: Honeypot ─────────────────────────────────────────────── */
.hp-field {
  position: absolute;
  left: -9999px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ── Erstgespräch: Fakten, Ablauf, FAQ ─────────────────────────────────── */
.appointment-facts {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem .75rem;
  margin-bottom: 1.75rem;
}
.appointment-facts li {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: var(--brand-blue-bg);
  color: var(--brand-blue-dark);
  border: 1px solid #bddcf3;
  border-radius: 100px;
  padding: .3rem .85rem;
  font-size: .8125rem;
  font-weight: 700;
}
.appointment-facts li::before {
  content: "✓";
  font-weight: 800;
}
.appointment-form__reassure {
  color: var(--text-muted);
  font-size: .8125rem;
  line-height: 1.5;
}

.renten-card__example {
  display: inline-block;
  background: var(--badge-bg);
  color: var(--badge-text);
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: .2rem .7rem;
  border-radius: 100px;
  margin-bottom: .75rem;
}

.process-section {
  background: var(--bg-subtle);
  padding: 5rem 0;
}
.process-section__head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 2.5rem;
}
.process-section__head h2 {
  font-size: clamp(1.5rem, 2.6vw, 2.125rem);
  font-weight: 800;
  color: var(--navy);
}
.process-steps {
  list-style: none; /* eigene Nummern-Kreise statt Listennummern */
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
}
.process-step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.75rem 1.5rem;
}
.process-step__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 50%;
  background: var(--brand-blue);
  color: #fff;
  font-weight: 800;
  margin-bottom: 1rem;
}
.process-step__title {
  font-size: 1.0625rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: .5rem;
}
.process-step__text {
  color: var(--text-muted);
  font-size: .9375rem;
  line-height: 1.6;
}

.faq-section {
  background: #fff;
  padding: 5rem 0;
}
.faq-section__inner {
  max-width: 760px;
}
.faq-section__heading {
  font-size: clamp(1.5rem, 2.6vw, 2.125rem);
  font-weight: 800;
  color: var(--navy);
  text-align: center;
  margin-bottom: 2rem;
}
.faq-list {
  display: grid;
  gap: .75rem;
}
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--bg-subtle);
}
.faq-item__question {
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 1rem 1.25rem;
  font-weight: 700;
  color: var(--navy);
}
.faq-item__question::-webkit-details-marker { display: none; }
.faq-item__question::after {
  content: "+";
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--brand-blue);
  flex-shrink: 0;
  line-height: 1;
}
.faq-item[open] .faq-item__question::after {
  content: "–";
}
.faq-item__answer {
  padding: 0 1.25rem 1.15rem;
  color: var(--text-muted);
  font-size: .9375rem;
  line-height: 1.65;
}

@media (max-width: 860px) {
  .process-steps { grid-template-columns: 1fr; }
  .process-section, .faq-section { padding: 3.5rem 0; }
}

/* ── Termin-CTA an Rechner-Ergebnissen & Artikeln ──────────────────────── */
.result-cta {
  text-align: center;
  background: var(--brand-blue-bg);
  border: 1px solid #bddcf3;
  border-radius: var(--radius-sm);
  padding: 1.5rem;
  margin: 1.5rem 0;
}
.result-cta__hint {
  color: var(--text-muted);
  font-size: .875rem;
  margin-top: .75rem;
}

.article-cta {
  background: var(--brand-blue-bg);
  border: 1px solid #bddcf3;
  border-radius: var(--radius);
  padding: 2rem 1.75rem;
  margin-top: 2.5rem;
  text-align: center;
}
.article-cta h2 {
  font-size: 1.375rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: .5rem;
}
.article-cta p {
  color: var(--text-muted);
  margin-bottom: 1.25rem;
}
.article-cta__actions {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  justify-content: center;
}

/* ── Wechsel-Check: Lead-Erfassung am Ergebnis ─────────────────────────── */
.wechsel-lead {
  background: var(--brand-blue-bg);
  border: 1px solid #bddcf3;
  border-radius: var(--radius-sm);
  padding: 1.5rem;
  margin-top: 1.5rem;
}
.wechsel-lead h3 {
  font-size: 1.0625rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: .375rem;
}
.wechsel-lead > p {
  color: var(--text-muted);
  font-size: .9375rem;
  margin-bottom: 1rem;
}
.wechsel-lead__form {
  display: grid;
  gap: .85rem;
}
.wechsel-lead__row {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
}
.wechsel-lead__row .form-input {
  flex: 1 1 240px;
}
@media (max-width: 560px) {
  .wechsel-lead__row .btn { width: 100%; }
}

/* ── Mobiler Sticky-CTA-Balken ─────────────────────────────────────────── */
.mobile-cta-bar { display: none; }
@media (max-width: 920px) {
  .mobile-cta-bar {
    display: block;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 150;
    padding: .6rem .75rem calc(.6rem + env(safe-area-inset-bottom));
    background: rgba(255, 255, 255, .95);
    border-top: 1px solid var(--border);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
  }
  .mobile-cta-bar .btn { width: 100%; }
  .mobile-cta-bar.is-hidden { display: none; }
  /* Cookie-Banner (z-index 200) hat Vorrang, solange es sichtbar ist */
  body:has(.privacy-notice.is-visible) .mobile-cta-bar { display: none; }
  body { padding-bottom: 4.5rem; }
}