/* ============================================================
   DEINKREDIT · Site Styles · v1.0
   Komponenten, Sections, Patterns
   ============================================================ */

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  background: var(--dk-bg);
  color: var(--dk-text);
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
  font-size: 16px;
}
::selection { background: var(--dk-cta-100); color: var(--dk-text); }

img, svg { display: block; max-width: 100%; }
a { color: var(--dk-blue); text-decoration: none; }
a:hover { color: var(--dk-blue-700); text-decoration: underline; text-underline-offset: 3px; }

/* ============================================================
   TYPE
   ============================================================ */
h1, h2, h3, h4, h5 {
  font-family: var(--font-sans);
  font-weight: 800;
  color: var(--dk-navy);
  letter-spacing: -0.02em;
  margin: 0 0 .6em;
  line-height: 1.1;
  text-wrap: balance;
}
h1 { font-size: clamp(34px, 4.6vw, 56px); letter-spacing: -0.025em; line-height: 1.04; }
h2 { font-size: clamp(28px, 3.2vw, 40px); }
h3 { font-size: clamp(22px, 2.2vw, 28px); font-weight: 700; letter-spacing: -0.01em; }
h4 { font-size: clamp(18px, 1.6vw, 22px); font-weight: 700; letter-spacing: 0; }
p  { margin: 0 0 1em; color: var(--dk-text-2); }
.lead { font-size: clamp(16px, 1.4vw, 19px); color: var(--dk-text-2); line-height: 1.55; max-width: 60ch; }
.eyebrow {
  font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase;
  font-weight: 800; color: var(--dk-cta-eyebrow); margin: 0 0 12px;
  display: inline-flex; align-items: center; gap: 8px;
}
.eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--dk-cta); }
.kicker {
  font-family: var(--font-mono); font-size: 12px; color: var(--dk-muted);
  letter-spacing: 0.04em; margin: 0;
}

/* CI-Schreibweise DeinKredit (Span-Helper) */
.dk-wordmark {
  font-family: var(--font-sans); font-weight: 800;
  letter-spacing: -0.04em; line-height: 1; color: var(--dk-navy);
}
.dk-wordmark .k { color: var(--dk-blue); }

/* ============================================================
   LAYOUT
   ============================================================ */
.container       { max-width: var(--container);        margin: 0 auto; padding: 0 24px; }
.container-narrow{ max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }
.container-text  { max-width: var(--container-text);   margin: 0 auto; padding: 0 24px; }
.section         { padding: clamp(56px, 7vw, 96px) 0; }
.section.pt-0    { padding-top: 0; }
.section.tight   { padding: clamp(40px, 5vw, 64px) 0; }
.section-tint    { background: var(--dk-bg-tint); }
.section-tint-soft { background: var(--dk-bg-tint-soft); }
.section-cream   { background: var(--dk-bg-cream); }
.section-dark    { background: var(--dk-bg-ink); color: var(--dk-on-dark); }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: #fff; }
.section-dark p, .section-dark .lead { color: var(--dk-on-dark-2); }

.section-head { max-width: 720px; margin: 0 auto clamp(32px, 4vw, 48px); text-align: center; }
.section-head.left { margin-left: 0; text-align: left; }
.section-head h2  { margin-bottom: 14px; }
.section-head p   { color: var(--dk-muted); font-size: 17px; }

/* Grids */
.grid       { display: grid; gap: 20px; }
.grid-2     { grid-template-columns: repeat(2, 1fr); }
.grid-3     { grid-template-columns: repeat(3, 1fr); }
.grid-4     { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.flex        { display: flex; }
.flex-wrap   { flex-wrap: wrap; }
.gap-2 { gap: 8px; } .gap-3 { gap: 12px; } .gap-4 { gap: 16px; } .gap-6 { gap: 24px; }
.text-center { text-align: center; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-sans); font-weight: 700;
  border: 2px solid transparent; cursor: pointer; text-decoration: none;
  border-radius: var(--r-md);
  transition: background-color .15s, color .15s, border-color .15s, transform .05s, box-shadow .15s;
  white-space: nowrap; letter-spacing: -0.005em;
  font-size: 14.5px; padding: 13px 22px; line-height: 1.15;
}
.btn:focus-visible { outline: 3px solid var(--dk-blue); outline-offset: 2px; }
.btn:active        { transform: translateY(1px); }
.btn:hover         { text-decoration: none; }
.btn-sm { font-size: 13px;   padding: 8px 14px; }
.btn-lg { font-size: 16px;   padding: 17px 28px; }

.btn-cta {
  background: var(--dk-cta); color: #fff;
  box-shadow: var(--dk-cta-glow);
}
.btn-cta:hover { background: var(--dk-cta-700); color: #fff; }

.btn-secondary       { background: var(--dk-navy); color: #fff; }
.btn-secondary:hover { background: var(--dk-navy-900); color: #fff; }

.btn-outline {
  background: transparent; color: var(--dk-navy);
  border-color: var(--dk-navy);
}
.btn-outline:hover { background: var(--dk-navy); color: #fff; }

.btn-ghost { background: transparent; color: var(--dk-blue); padding-left: 14px; padding-right: 14px; }
.btn-ghost:hover { background: var(--dk-blue-100); color: var(--dk-blue-700); }

.btn-on-dark.btn-outline { color: #fff; border-color: rgba(255,255,255,0.55); }
.btn-on-dark.btn-outline:hover { background: #fff; color: var(--dk-navy); border-color: #fff; }

.btn .arrow::after { content: "→"; }

/* ============================================================
   HEADER · NAV
   ============================================================ */
.site-trustbar {
  background: var(--dk-navy);
  color: #fff;
  font-size: 12.5px;
  font-weight: 500;
}
.site-trustbar .inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 8px 24px;
  display: flex; justify-content: space-between; gap: 16px;
  flex-wrap: wrap;
}
.site-trustbar ul {
  list-style: none; padding: 0; margin: 0;
  display: flex; gap: 18px; flex-wrap: wrap;
}
.site-trustbar li {
  display: inline-flex; align-items: center; gap: 7px;
  color: var(--dk-on-dark-2);
}
.site-trustbar li::before {
  content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--dk-green);
}
.site-trustbar .contact {
  display: inline-flex; gap: 10px; align-items: center;
}
.site-trustbar a { color: #fff; text-decoration: none; font-weight: 600; }
.site-trustbar a.tb-ico {
  display: inline-grid; place-items: center;
  width: 30px; height: 30px; border-radius: 999px;
  background: rgba(255,255,255,0.10);
  color: #fff;
  transition: background .15s ease;
}
.site-trustbar a.tb-ico:hover { background: rgba(255,255,255,0.22); }
.site-trustbar a.tb-ico svg { width: 16px; height: 16px; display: block; }
@media (max-width: 720px) {
  /* Trustbar auf Mobile komplett ausblenden — spart wertvollen Platz über dem Header.
     Kontakt-Optionen sind im Burger-Menü, in der Sticky-CTA und im Footer erreichbar. */
  .site-trustbar { display: none; }
}

.site-header {
  position: sticky; top: 0; z-index: 80;
  background: rgba(255,255,255,0.95);
  backdrop-filter: saturate(160%) blur(12px);
  -webkit-backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid var(--dk-line);
}
.site-header .inner {
  max-width: var(--container);
  margin: 0 auto; padding: 14px 24px;
  display: flex; align-items: center; justify-content: space-between; gap: 18px;
}
.site-logo svg { height: 32px; width: auto; display: block; }
.site-logo .logo-img { height: 38px; width: auto; display: block; }
@media (max-width: 540px) { .site-logo .logo-img { height: 32px; } }
.site-logo .fallback { font-size: 22px; font-weight: 800; letter-spacing: -0.04em; color: var(--dk-navy); }
.site-logo .fallback .k { color: var(--dk-blue); }

.site-nav { display: flex; align-items: center; gap: 4px; }
.site-nav > a, .site-nav > .has-menu > button {
  position: relative;
  font: inherit; background: transparent; border: 0; cursor: pointer;
  color: var(--dk-text);
  font-size: 14.5px; font-weight: 600;
  padding: 10px 14px; border-radius: var(--r-md);
  display: inline-flex; align-items: center; gap: 6px;
  text-decoration: none;
}
.site-nav > a:hover, .site-nav > .has-menu > button:hover {
  background: var(--dk-blue-50); color: var(--dk-navy); text-decoration: none;
}
.site-nav .has-menu > button::after {
  content: ""; width: 7px; height: 7px;
  border-right: 2px solid currentColor; border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  margin-left: 2px; opacity: 0.7;
}
.site-nav .has-menu {
  position: relative;
}
.site-nav .menu {
  position: absolute; top: calc(100% + 6px); left: 0;
  background: #fff; border: 1px solid var(--dk-line); border-radius: var(--r-lg);
  padding: 12px; min-width: 580px;
  display: none;
  box-shadow: var(--sh-lg);
  z-index: 100;
}
.site-nav .has-menu[data-open="true"] .menu { display: grid; }
.site-nav .menu {
  grid-template-columns: 1fr 1fr 1fr;
  gap: 4px 16px;
}
.site-nav .menu a {
  display: block; padding: 10px 12px; border-radius: var(--r-sm);
  font-size: 14px; font-weight: 600; color: var(--dk-text);
  text-decoration: none;
}
.site-nav .menu a:hover { background: var(--dk-blue-50); color: var(--dk-navy); }
.site-nav .menu a small { display: block; font-weight: 500; color: var(--dk-muted); font-size: 12px; margin-top: 2px; }

.header-actions { display: flex; align-items: center; gap: 10px; }
.btn-phone {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--dk-navy); font-weight: 700; font-size: 14px;
  padding: 10px 14px; border-radius: var(--r-md);
  text-decoration: none;
}
.btn-phone:hover { background: var(--dk-blue-50); text-decoration: none; }
.btn-phone svg { width: 16px; height: 16px; }

.burger {
  display: none;
  width: 44px; height: 44px;
  border: 1px solid var(--dk-line); border-radius: var(--r-md);
  background: #fff; cursor: pointer;
  align-items: center; justify-content: center;
}
.burger span, .burger span::before, .burger span::after {
  content: ""; display: block;
  width: 20px; height: 2px; background: var(--dk-navy);
  border-radius: 2px; position: relative;
}
.burger span::before { position: absolute; top: -6px; left: 0; }
.burger span::after  { position: absolute; top:  6px; left: 0; }

@media (max-width: 1024px) {
  .site-nav, .header-actions .btn-phone { display: none; }
  /* Header-CTA auf Mobile/Tablet ausblenden — die fixe Sticky-CTA unten im Daumenbereich übernimmt. */
  .header-actions .btn-cta { display: none; }
  .burger { display: inline-flex; }
}

/* Mobile drawer */
.mobile-drawer {
  position: fixed; inset: 0; z-index: 90;
  background: rgba(15,39,66,0.6);
  display: none;
}
.mobile-drawer[data-open="true"] { display: block; }
.mobile-drawer .panel {
  position: absolute; right: 0; top: 0; bottom: 0;
  width: min(380px, 90vw);
  background: #fff;
  overflow-y: auto;
  padding: 20px 22px 120px;
}
.mobile-drawer .close {
  background: var(--dk-blue-50); border: 0; cursor: pointer;
  width: 40px; height: 40px; border-radius: var(--r-md);
  display: grid; place-items: center;
  font-size: 22px; color: var(--dk-navy); margin: 0 0 14px auto;
}
.mobile-drawer .section-title {
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--dk-muted); font-weight: 800; margin: 22px 0 8px;
}
.mobile-drawer ul { list-style: none; padding: 0; margin: 0; }
.mobile-drawer li a {
  display: block; padding: 11px 12px; border-radius: var(--r-md);
  font-size: 15px; font-weight: 600; color: var(--dk-text); text-decoration: none;
  border-bottom: 1px solid var(--dk-line-2);
}
.mobile-drawer li a:hover { background: var(--dk-blue-50); color: var(--dk-navy); text-decoration: none; }
.mobile-drawer .btn { width: 100%; margin-top: 18px; }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 600px at 95% -20%, rgba(255,138,0,0.10), transparent 60%),
    radial-gradient(800px 480px at -10% 10%, rgba(22,104,214,0.12), transparent 60%),
    #fff;
  padding: clamp(48px, 7vw, 88px) 0 clamp(48px, 6vw, 80px);
  overflow: hidden;
}
html[data-mode="magenta"] .hero {
  background:
    radial-gradient(1100px 600px at 95% -20%, rgba(226,0,122,0.10), transparent 60%),
    radial-gradient(800px 480px at -10% 10%, rgba(22,104,214,0.12), transparent 60%),
    #fff;
}
.hero .grid-hero {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: clamp(28px, 4vw, 60px);
  align-items: center;
}
@media (max-width: 880px) { .hero .grid-hero { grid-template-columns: 1fr; } }

.hero h1 { margin-bottom: 18px; }
.hero h1 .ac { color: var(--dk-blue); }
.hero .lead { margin-bottom: 28px; }
.hero .cta-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.hero .micro-trust {
  margin-top: 22px; display: flex; gap: 8px; flex-wrap: wrap;
}
.hero .hint {
  margin-top: 14px; font-size: 13px; color: var(--dk-muted); max-width: 56ch;
}

.hero-visual {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: var(--r-2xl);
  padding: 24px;
  box-shadow: var(--sh-lg);
  position: relative;
}
.hero-visual .label {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--dk-muted); font-weight: 700;
  margin-bottom: 12px;
}

/* ============================================================
   BADGES · PILLS
   ============================================================ */
.badge {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 5px 11px;
  border-radius: 999px;
  font-size: 12px; font-weight: 700; letter-spacing: 0.01em;
  white-space: nowrap;
}
.badge .dot { width: 6px; height: 6px; border-radius: 50%; background: currentColor; }
.badge.trust    { background: var(--dk-green-100);   color: var(--dk-green-700); }
.badge.brand    { background: var(--dk-blue-100);    color: var(--dk-blue-700); }
.badge.navy     { background: #E0E7F1;               color: var(--dk-navy); }
.badge.cta-orange { background: var(--dk-orange-100);  color: var(--dk-orange-800); }
.badge.cta-magenta{ background: var(--dk-magenta-100); color: var(--dk-magenta-800); }
.badge.neutral  { background: #EFF1F4; color: var(--dk-text-2); }
.badge svg { width: 12px; height: 12px; }

/* ============================================================
   CARDS · FEATURE GRID
   ============================================================ */
.card {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: var(--r-lg);
  padding: 24px;
}
.card.elev { box-shadow: var(--sh-md); border-color: transparent; }
.card.tint { background: var(--dk-blue-100); border: 0; }
.card .lab {
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--dk-blue-700); font-weight: 800; margin-bottom: 10px;
}
.card h3 { font-size: 19px; font-weight: 800; margin: 0 0 8px; color: var(--dk-navy); }
.card p  { font-size: 14.5px; color: var(--dk-muted); margin: 0; line-height: 1.6; }
.card .meta {
  margin-top: 16px; padding-top: 14px;
  border-top: 1px solid var(--dk-line);
  font-family: var(--font-mono); font-size: 12px; color: var(--dk-muted);
}

/* Feature card with icon */
.feature {
  background: #fff; border: 1px solid var(--dk-line);
  border-radius: var(--r-lg); padding: 28px 24px;
  display: flex; flex-direction: column; gap: 12px;
}
.feature .ico {
  width: 44px; height: 44px; border-radius: 12px;
  background: var(--dk-blue-100); color: var(--dk-blue-700);
  display: grid; place-items: center;
  margin-bottom: 6px;
}
.feature .ico svg { width: 22px; height: 22px; stroke: currentColor; }
.feature h3 { font-size: 17px; margin: 0 0 4px; font-weight: 700; }
.feature p  { font-size: 14.5px; color: var(--dk-muted); margin: 0; line-height: 1.55; }

/* Vorteilsliste (Checks) — CI Brand-Icon: blauer Rahmen + grüner Haken */
.benefit-list { list-style: none; padding: 0; margin: 0; }
.benefit-list li {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 11px 0;
  border-bottom: 1px solid var(--dk-line-2);
  font-size: 15.5px; color: var(--dk-text-2);
}
.benefit-list li:last-child { border-bottom: 0; }
.benefit-list li::before {
  content: ""; flex-shrink: 0;
  width: 26px; height: 26px;
  background-image: url("icons/dk-signal_check_blue-frame_green.svg");
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
  margin-top: 1px;
}
.benefit-list b { color: var(--dk-navy); font-weight: 800; }

/* Gleiches Marken-Häkchen für alle anderen Bullet-Listen mit gepunkteter Border (positiv/CI).
   Klassen: .check-list, .vorteil-list, .ci-bullets */
.check-list, .vorteil-list, .ci-bullets { list-style: none; padding: 0; margin: 0; }
.check-list li, .vorteil-list li, .ci-bullets li {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 10px 0;
  font-size: 15.5px; color: var(--dk-text-2);
}
.check-list li::before, .vorteil-list li::before, .ci-bullets li::before {
  content: ""; flex-shrink: 0;
  width: 24px; height: 24px;
  background-image: url("icons/dk-signal_check_blue-frame_green.svg");
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
  margin-top: 2px;
}

/* Produkt-spezifische Vorteile (separate Box unter dem 9er-Grid) — positiv/grün (CI) */
.specific-box {
  margin-top: 40px;
  background: var(--dk-bg-cream);
  border: 1px solid var(--dk-line);
  border-left: 4px solid var(--dk-green);
  border-radius: var(--r-lg);
  padding: clamp(24px, 3vw, 36px);
}
.specific-box-head { margin-bottom: 18px; }
.specific-box-head .kicker {
  color: var(--dk-green-700);
  font-weight: 800; font-size: 12px;
  letter-spacing: 0.1em; text-transform: uppercase;
  margin-bottom: 6px;
}
.specific-box-head h3 { font-size: 22px; font-weight: 800; margin: 0; color: var(--dk-navy); }
.specific-list {
  list-style: none; padding: 0; margin: 0;
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px 28px;
}
@media (max-width: 720px) { .specific-list { grid-template-columns: 1fr; } }
.specific-list li {
  display: grid;
  grid-template-columns: 28px minmax(160px, 220px) 1fr;
  column-gap: 14px; row-gap: 0;
  align-items: start;
  font-size: 15px; line-height: 1.55; color: var(--dk-text-2);
  padding: 6px 0;
  border-bottom: 1px solid color-mix(in oklab, var(--dk-green) 14%, transparent);
}
.specific-list li:last-child,
.specific-list li:nth-last-child(2):nth-child(odd) { border-bottom: 0; }
.specific-list li::before {
  content: ""; flex-shrink: 0;
  width: 28px; height: 28px;
  background: url("../assets/icons/dk-signal_check_green.svg") no-repeat center / contain;
  margin-top: 1px;
}
.specific-list li b {
  display: block;
  color: var(--dk-navy); font-weight: 800; font-size: 15.5px;
  margin: 0; padding-right: 8px;
}
.specific-list li span {
  display: block;
  color: var(--dk-muted); font-size: 14.5px;
  margin: 0;
}
@media (max-width: 540px) {
  .specific-list li {
    grid-template-columns: 24px 1fr;
  }
  .specific-list li b { grid-column: 2; margin-bottom: 2px; }
  .specific-list li span { grid-column: 2; }
}

/* ============================================================
   ABLAUF · STEPS
   ============================================================ */
.steps { counter-reset: step; display: grid; gap: 16px; }
.step {
  display: grid; grid-template-columns: 64px 1fr; gap: 20px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: var(--r-lg);
  padding: 22px 24px;
}
.step .num {
  width: 48px; height: 48px; border-radius: 12px;
  background: var(--dk-navy); color: #fff;
  display: grid; place-items: center;
  font-weight: 800; font-size: 20px; letter-spacing: -0.02em;
  font-family: var(--font-mono);
}
.step .num::before { counter-increment: step; content: counter(step); }
.step h3 { font-size: 17px; margin: 0 0 4px; font-weight: 700; }
.step p { font-size: 15px; color: var(--dk-muted); margin: 0; }
@media (max-width: 540px) {
  .step { grid-template-columns: 1fr; }
  .step .num { width: 40px; height: 40px; font-size: 17px; }
}

/* Steps horizontal */
.steps-row {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  counter-reset: step;
}
@media (max-width: 900px) { .steps-row { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .steps-row { grid-template-columns: 1fr; } }
.steps-row.steps-row-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .steps-row.steps-row-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .steps-row.steps-row-4 { grid-template-columns: 1fr; } }
.steps-row .step {
  grid-template-columns: 1fr;
  text-align: left;
}

/* ============================================================
   BRAND-WORDMARK (inline "DeinKredit" in Firmenfarben)
   ============================================================ */
.brand {
  color: var(--dk-navy);
  font-weight: 800;
  font-style: normal;
  letter-spacing: -0.005em;
  white-space: nowrap;
}
.brand i { color: var(--dk-blue); font-style: normal; font-weight: inherit; }

/* Auto-Kontrast auf dunklen Hintergründen:
   "Dein" wird weiss, "Kredit" wird helles Kontrast-Blau.
   Greift überall, wo .brand auf navy/navy-900 sitzt. */
.section-dark .brand,
.site-footer .brand,
.site-footer .disclaimer .brand,
.site-footer .bottom .brand,
.site-trustbar .brand,
.cta-box .brand,
.rechner-result .brand,
[data-on-dark] .brand,
.bg-dark .brand {
  color: #FFFFFF;
}
.section-dark .brand i,
.site-footer .brand i,
.site-footer .disclaimer .brand i,
.site-footer .bottom .brand i,
.site-trustbar .brand i,
.cta-box .brand i,
.rechner-result .brand i,
[data-on-dark] .brand i,
.bg-dark .brand i {
  color: #6BB0FF; /* aufgehelltes Markenblau für AA-Kontrast auf navy-900 */
}
/* Dasselbe Verhalten für .dk-wordmark-Variante */
.section-dark .dk-wordmark,
.site-footer .dk-wordmark,
.cta-box .dk-wordmark { color: #FFFFFF; }
.section-dark .dk-wordmark .k,
.site-footer .dk-wordmark .k,
.cta-box .dk-wordmark .k { color: #6BB0FF; }

/* ============================================================
   PRODUKT-CARDS · PHOTO-PLACEHOLDER
   ============================================================ */
.card-with-photo { padding: 0; overflow: hidden; display: flex; flex-direction: column; height: 100%; }
.card-with-photo > .lab,
.card-with-photo > h3,
.card-with-photo > p,
.card-with-photo > .meta { margin-left: 24px; margin-right: 24px; }
.card-with-photo > .lab { margin-top: 22px; }
.card-with-photo > p { margin-bottom: 0; }
/* Einheitliche Textzone: exakt 4 Zeilen Beschreibung vor dem Trennstrich.
   Kurze Texte werden gepolstert, lange auf 4 Zeilen geklammert.            */
.card-with-photo > p {
  display: -webkit-box;
  -webkit-line-clamp: 4;
  -webkit-box-orient: vertical;
  overflow: hidden;
  min-height: calc(4 * 1.6em); /* 4 Zeilen × line-height 1.6 */
}
/* Pfeil-Zeile + Trennlinie immer am Kartenfuss — egal wie kurz/lang der Text ist */
.card-with-photo > .meta { margin-top: auto; padding-top: 16px; margin-bottom: 22px; }

.card-photo {
  position: relative;
  aspect-ratio: 16 / 9;
  display: flex;
  align-items: flex-end;
  justify-content: flex-start;
  padding: 14px;
  background:
    repeating-linear-gradient(135deg,
      rgba(15,39,66,0.00) 0 16px,
      rgba(15,39,66,0.045) 16px 17px),
    linear-gradient(180deg, var(--dk-blue-50), var(--dk-blue-100));
  border-bottom: 1px solid var(--dk-line);
  color: var(--dk-navy);
  overflow: hidden;
}
.card-photo span {
  position: relative;
  z-index: 1;
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 500;
  color: var(--dk-muted);
  background: rgba(255,255,255,0.78);
  backdrop-filter: blur(2px);
  padding: 6px 10px;
  border-radius: var(--r-sm);
  border: 1px solid var(--dk-line);
}
/* Themenspezifische dezente Tönung — Platzhalter, bis echte Fotos kommen */
.card-photo-placeholder {
  background:
    repeating-linear-gradient(135deg, rgba(15,39,66,0) 0 16px, rgba(15,39,66,0.045) 16px 17px),
    linear-gradient(180deg, var(--dk-blue-50), var(--dk-blue-100));
}
.card-photo-privat      {
    background-image: url("../assets/foto-privatkredit.jpg");
    background-image: image-set(url("../assets/foto-privatkredit.webp") type("image/webp"), url("../assets/foto-privatkredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 35%;
}
.card-photo-privat span { display: none; }
.card-photo-auto        {
    background-image: url("../assets/foto-autokredit.jpg");
    background-image: image-set(url("../assets/foto-autokredit.webp") type("image/webp"), url("../assets/foto-autokredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 25%;
}
.card-photo-auto span { display: none; }
.card-photo-umschuldung {
    background-image: url("../assets/foto-umschuldung.jpg");
    background-image: image-set(url("../assets/foto-umschuldung.webp") type("image/webp"), url("../assets/foto-umschuldung.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 35%;
}
.card-photo-umschuldung span { display: none; }
.card-photo-schweizer   {
    background-image: url("../assets/foto-schweizer.jpg");
    background-image: image-set(url("../assets/foto-schweizer.webp") type("image/webp"), url("../assets/foto-schweizer.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 40%;
}
.card-photo-schweizer span { display: none; }
.card-photo-hochzeit {
    background-image: url("../assets/foto-hochzeitskredit.jpg");
    background-image: image-set(url("../assets/foto-hochzeitskredit.webp") type("image/webp"), url("../assets/foto-hochzeitskredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 40%;
}
.card-photo-hochzeit span { display: none; }
.card-photo-urlaub {
    background-image: url("../assets/foto-urlaubskredit.jpg");
    background-image: image-set(url("../assets/foto-urlaubskredit.webp") type("image/webp"), url("../assets/foto-urlaubskredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 35%;
}
.card-photo-urlaub span { display: none; }
.card-photo-zusammen {
    background-image: url("../assets/foto-kredite-zusammenfassen.jpg");
    background-image: image-set(url("../assets/foto-kredite-zusammenfassen.webp") type("image/webp"), url("../assets/foto-kredite-zusammenfassen.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 30%;
}
.card-photo-zusammen span { display: none; }
.card-photo-raten {
    background-image: url("../assets/foto-ratenkredit.jpg");
    background-image: image-set(url("../assets/foto-ratenkredit.webp") type("image/webp"), url("../assets/foto-ratenkredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 30%;
}
.card-photo-raten span { display: none; }
.card-photo-bar {
    background-image: url("../assets/foto-barkredit.jpg");
    background-image: image-set(url("../assets/foto-barkredit.webp") type("image/webp"), url("../assets/foto-barkredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 45%;
}
.card-photo-bar span { display: none; }
.card-photo-sofort {
    background-image: url("../assets/foto-sofortkredit.jpg");
    background-image: image-set(url("../assets/foto-sofortkredit.webp") type("image/webp"), url("../assets/foto-sofortkredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 35%;
}
.card-photo-sofort span { display: none; }
.card-photo-express {
    background-image: url("../assets/foto-expresskredit.jpg");
    background-image: image-set(url("../assets/foto-expresskredit.webp") type("image/webp"), url("../assets/foto-expresskredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 40%;
}
.card-photo-express span { display: none; }
.card-photo-schufa {
    background-image: url("../assets/foto-kredit-ohne-schufa.jpg");
    background-image: image-set(url("../assets/foto-kredit-ohne-schufa.webp") type("image/webp"), url("../assets/foto-kredit-ohne-schufa.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 40%;
}
.card-photo-schufa span { display: none; }
.card-photo-midlife {
    background-image: url("../assets/foto-midlife.jpg");
    background-image: image-set(url("../assets/foto-midlife.webp") type("image/webp"), url("../assets/foto-midlife.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 35%;
}
.card-photo-midlife span { display: none; }
.card-photo-aufnehmen {
    background-image: url("../assets/foto-aufnehmen.jpg");
    background-image: image-set(url("../assets/foto-aufnehmen.webp") type("image/webp"), url("../assets/foto-aufnehmen.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 35%;
}
.card-photo-aufnehmen span { display: none; }
.card-photo-darlehen {
    background-image: url("../assets/foto-darlehen.jpg");
    background-image: image-set(url("../assets/foto-darlehen.webp") type("image/webp"), url("../assets/foto-darlehen.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 40%;
}
.card-photo-darlehen span { display: none; }
.card-photo-guenstig {
    background-image: url("../assets/foto-guenstig.jpg");
    background-image: image-set(url("../assets/foto-guenstig.webp") type("image/webp"), url("../assets/foto-guenstig.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 35%;
}
.card-photo-guenstig span { display: none; }

/* Kredit-Karussell (Produkt-Reihen auf der Startseite) */
.kc-stage {
  position: relative;
}
.kc-wrap {
  position: relative;
  margin: 0 -24px;
  padding: 0;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent 0, #000 32px, #000 calc(100% - 32px), transparent 100%);
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 32px, #000 calc(100% - 32px), transparent 100%);
}
.kc-wrap-2 { margin-top: 18px; }
.kredite-carousel {
  display: flex;
  gap: 20px;
  padding: 6px 24px 22px;
  will-change: transform;
  user-select: none;
}
.kredite-carousel > .card {
  flex: 0 0 320px;
  margin: 0;
  text-decoration: none;
}
@media (min-width: 720px) { .kredite-carousel > .card { flex: 0 0 360px; } }
@media (min-width: 1100px) { .kredite-carousel > .card { flex: 0 0 380px; } }

/* Nav-Buttons (oben rechts, eins für beide Reihen) */
.kc-nav {
  width: 44px; height: 44px;
  border-radius: 999px;
  border: 1px solid var(--dk-line);
  background: #fff;
  color: var(--dk-navy);
  font-size: 26px; font-weight: 700; line-height: 1;
  display: grid; place-items: center;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(15,39,66,0.08);
  transition: background .15s ease, color .15s ease, border-color .15s ease, transform .15s ease;
}
.kc-nav:hover { background: var(--dk-navy); color: #fff; border-color: var(--dk-navy); transform: scale(1.05); }

/* Seitliche Pfeile: vertikal mittig zur Stage (zwischen beiden Reihen) */
.kc-nav.kc-side {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 3;
  width: 48px; height: 48px;
}
.kc-nav.kc-side:hover { transform: translateY(-50%) scale(1.05); }
.kc-nav.kc-prev { left: -8px; }
.kc-nav.kc-next { right: -8px; }
@media (min-width: 1100px) {
  .kc-nav.kc-prev { left: -22px; }
  .kc-nav.kc-next { right: -22px; }
}
@media (max-width: 540px) {
  /* Pfeile bleiben sichtbar — werden vom Mobile-Block (≤ 720 px) unter das Karussell positioniert */
}

/* Mobile-Pfeile (oben + unten) — Wrapper, der nur auf Mobile sichtbar ist */
.kc-mobile-arrows {
  display: none;
}

/* ============================================================
   KREDIT-KARUSSELL · Mobile-Variante (≤ 720 px)
   Eine Karte zentriert, native scroll-snap. Daumen-swipe.
   Pfeile sitzen ÜBER und UNTER dem Karussell.
   ============================================================ */
@media (max-width: 720px) {
  .kc-stage { padding: 0 0 56px; position: relative; }
  .kc-wrap {
    margin: 0 -18px;
    overflow: visible;
    /* Edge-Fade entfernen, damit die Schnapp-Karten sauber zentriert wirken */
    mask-image: none;
    -webkit-mask-image: none;
  }
  .kc-wrap-2 { margin-top: 14px; }

  .kredite-carousel.kc-mobile-snap,
  .kredite-carousel {
    transform: none !important;
    transition: none !important;
    display: flex;
    gap: 12px;
    overflow-x: auto;
    overflow-y: hidden;
    scroll-snap-type: x mandatory;
    scroll-padding: 0 14vw;
    padding: 6px 14vw 14px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }
  .kredite-carousel::-webkit-scrollbar { display: none; }

  .kredite-carousel > .card {
    flex: 0 0 72vw;
    max-width: 280px;
    scroll-snap-align: center;
    scroll-snap-stop: always;
  }
  /* Etwas kompaktere Karte: kleinere Innenabstände auf Mobile */
  .kredite-carousel > .card-with-photo > .lab,
  .kredite-carousel > .card-with-photo > h3,
  .kredite-carousel > .card-with-photo > p,
  .kredite-carousel > .card-with-photo > .meta {
    margin-left: 18px;
    margin-right: 18px;
  }
  .kredite-carousel > .card-with-photo > h3 { font-size: 17px; }
  .kredite-carousel > .card-with-photo > p { font-size: 13.5px; }
  /* Mobile: line-height bleibt 1.6 → min-height stimmt automatisch */

  /* Pfeile-OBEN: Flex-Gruppe, vor dem Karussell */
  .kc-mobile-arrows-top {
    display: flex;
    gap: 12px;
    justify-content: center;
    margin: 0 0 12px;
  }
  .kc-mobile-arrows-top .kc-nav {
    width: 44px; height: 44px;
    font-size: 22px;
  }

  /* Pfeile-UNTEN: die seitlichen .kc-side-Buttons als zentrierte Leiste an den Stage-Boden */
  .kc-stage .kc-nav.kc-side {
    position: absolute;
    top: auto;
    bottom: 6px;
    transform: none !important;
    width: 44px; height: 44px;
    font-size: 22px;
    display: grid !important;
  }
  .kc-stage .kc-nav.kc-prev.kc-side { left: 50%; margin-left: -52px; right: auto; }
  .kc-stage .kc-nav.kc-next.kc-side { right: 50%; margin-right: -52px; left: auto; }
  .kc-stage .kc-nav.kc-side:hover { transform: none; }
}
.card-photo-selbst      {
    background-image: url("../assets/foto-selbststaendig.jpg");
    background-image: image-set(url("../assets/foto-selbststaendig.webp") type("image/webp"), url("../assets/foto-selbststaendig.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 30%;
}
.card-photo-selbst span { display: none; }
.card-photo-umzug       {
    background-image: url("../assets/foto-umzugskredit.jpg");
    background-image: image-set(url("../assets/foto-umzugskredit.webp") type("image/webp"), url("../assets/foto-umzugskredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 30%;
}
.card-photo-umzug span { display: none; }

/* ============================================================
   TRUST BAND
   ============================================================ */
.trust-band {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
@media (max-width: 900px) { .trust-band { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .trust-band { grid-template-columns: 1fr; } }
.trust-item {
  display: flex; align-items: center; gap: 14px;
  padding: 16px 18px;
  background: #fff; border: 1px solid var(--dk-line);
  border-radius: var(--r-lg);
}
.trust-item .ico {
  flex-shrink: 0; width: 42px; height: 42px;
  border-radius: 12px;
  background: var(--dk-green-100); color: var(--dk-green-700);
  display: grid; place-items: center;
}
.trust-item .ico svg { width: 22px; height: 22px; stroke: currentColor; fill: none; stroke-width: 2; }
.trust-item .t { font-weight: 800; font-size: 14.5px; color: var(--dk-navy); }
.trust-item .s { font-size: 13px; color: var(--dk-muted); margin-top: 1px; }

/* ============================================================
   FAQ · ACCORDION
   ============================================================ */
.faq-list { display: grid; gap: 10px; }
.faq {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: var(--r-md);
  padding: 18px 22px;
}
.faq + .faq { margin-top: 0; }
.faq summary {
  list-style: none; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-weight: 700; color: var(--dk-navy); font-size: 16px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; font-size: 24px; font-weight: 400; color: var(--dk-blue);
  transition: transform 0.2s;
  line-height: 1;
}
.faq[open] summary::after { transform: rotate(45deg); }
.faq .a {
  margin: 12px 0 0;
  font-size: 15px; color: var(--dk-muted); line-height: 1.65;
}

/* ============================================================
   CTA · BIG / SMALL
   ============================================================ */
.cta-box {
  background:
    radial-gradient(700px 360px at 100% 50%, rgba(22,104,214,0.18), transparent 60%),
    var(--dk-navy);
  color: #fff;
  border-radius: var(--r-2xl);
  padding: clamp(36px, 5vw, 64px) clamp(28px, 4vw, 56px);
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  align-items: center;
  gap: 32px;
}
@media (max-width: 820px) { .cta-box { grid-template-columns: 1fr; } }
.cta-box h2 { color: #fff; margin: 0 0 14px; }
.cta-box p  { color: var(--dk-on-dark-2); margin: 0 0 18px; font-size: 17px; max-width: 52ch; }
.cta-box .actions { display: flex; gap: 12px; flex-wrap: wrap; justify-content: flex-end; }
@media (max-width: 820px) { .cta-box .actions { justify-content: flex-start; } }

/* ============================================================
   COMPARISON TABLE
   ============================================================ */
.compare {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: var(--r-lg);
  overflow: hidden;
}
.compare table { width: 100%; border-collapse: collapse; font-size: 15px; }
.compare th, .compare td {
  text-align: left; padding: 14px 18px;
  border-bottom: 1px solid var(--dk-line);
}
.compare th {
  background: var(--dk-blue-50);
  font-weight: 800; color: var(--dk-navy); font-size: 13px;
  letter-spacing: 0.02em;
}
.compare td:first-child { font-weight: 600; color: var(--dk-navy); }
.compare tr:last-child td { border-bottom: 0; }
.compare .yes, .compare .no {
  display: inline-block; width: 18px; height: 18px;
  margin-right: 8px; vertical-align: -4px;
  background-repeat: no-repeat; background-position: center; background-size: contain;
}
.compare .yes { background-image: url("icons/dk-signal_check_blue-frame_green.svg"); }
.compare .no  { background-image: url("icons/dk-signal_cross_red.svg"); }

/* ============================================================
   ALERTS / HINTS
   ============================================================ */
.alert {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 16px 18px;
  border-radius: var(--r-md);
  border: 1px solid;
  font-size: 14.5px; line-height: 1.55;
}
.alert .ai {
  flex-shrink: 0; width: 28px; height: 28px;
  border-radius: 999px; display: grid; place-items: center;
  font-weight: 800; font-size: 14px; color: #fff;
}
.alert .at { font-weight: 800; margin-bottom: 2px; display: block; }
.alert.info    { background: var(--dk-info-100);    border-color: #d6e4f7; color: var(--dk-info-700); }
.alert.info    .ai { background: var(--dk-info); }
.alert.success { background: var(--dk-success-100); border-color: #c9ead8; color: var(--dk-success-700); }
.alert.success .ai { background: var(--dk-success); }
.alert.warning { background: var(--dk-warning-100); border-color: #f7d6b3; color: var(--dk-warning-700); }
.alert.warning .ai { background: var(--dk-warning); }
.alert.danger  { background: var(--dk-danger-100);  border-color: #f3c8cf; color: var(--dk-danger-700); }
.alert.danger  .ai { background: var(--dk-danger); }

/* ============================================================
   FORM
   ============================================================ */
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-size: 13px; font-weight: 700; color: var(--dk-navy); }
.field .hint { font-size: 12.5px; color: var(--dk-muted); }
.input, .select, .textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1.5px solid var(--dk-line);
  border-radius: var(--r-md);
  font: inherit; font-size: 15px; color: var(--dk-text);
  background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
.input::placeholder { color: var(--dk-muted-2); }
.input:focus, .select:focus, .textarea:focus {
  outline: none; border-color: var(--dk-blue);
  box-shadow: 0 0 0 4px var(--dk-blue-100);
}
.textarea { min-height: 130px; resize: vertical; line-height: 1.5; }
.check, .radio { display: inline-flex; align-items: center; gap: 10px; font-size: 14.5px; cursor: pointer; }
.check input, .radio input { display: none; }
.check .box, .radio .box {
  width: 22px; height: 22px;
  border: 1.5px solid var(--dk-line);
  border-radius: 6px; background: #fff;
  display: grid; place-items: center; transition: all .15s;
}
.radio .box { border-radius: 50%; }
.check input:checked + .box, .radio input:checked + .box { background: var(--dk-blue); border-color: var(--dk-blue); }
.check input:checked + .box::after { content: "✓"; color: #fff; font-size: 13px; font-weight: 800; }
.radio input:checked + .box::after { content: ""; width: 8px; height: 8px; border-radius: 50%; background: #fff; }

/* Range / slider */
.slider {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; background: var(--dk-blue-100);
  border-radius: 999px; outline: none;
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 3px solid var(--dk-blue);
  box-shadow: var(--sh-sm); cursor: pointer;
}
.slider::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 3px solid var(--dk-blue);
  box-shadow: var(--sh-sm); cursor: pointer;
}

/* ============================================================
   STICKY MOBILE CTA
   ============================================================ */
.sticky-cta {
  position: fixed; bottom: 0; left: 0; right: 0;
  z-index: 70;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 1px solid var(--dk-line);
  padding: 10px 16px env(safe-area-inset-bottom);
  display: none;
}
.sticky-cta .inner {
  display: flex; gap: 10px; align-items: center; justify-content: space-between;
}
.sticky-cta .info {
  font-size: 12.5px; color: var(--dk-muted); font-weight: 600;
}
.sticky-cta .info b { color: var(--dk-navy); display: block; font-size: 13.5px; font-weight: 800; }
.sticky-cta .btn { flex-shrink: 0; padding: 12px 18px; font-size: 14px; }
@media (max-width: 1024px) { .sticky-cta { display: block; } body.has-sticky-cta { padding-bottom: 76px; } }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--dk-navy-900);
  color: var(--dk-on-dark-2);
  padding: clamp(56px, 7vw, 96px) 0 32px;
  margin-top: clamp(56px, 7vw, 96px);
}
.site-footer h3 { color: #fff; font-size: 14px; letter-spacing: 0.08em; text-transform: uppercase; margin: 0 0 16px; font-weight: 800; }
.site-footer a { color: var(--dk-on-dark-2); text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.site-footer .top {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 40px 32px;
  padding-bottom: 40px;
  border-bottom: 1px solid var(--dk-line-on-dark);
}
@media (max-width: 920px) { .site-footer .top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .site-footer .top { grid-template-columns: 1fr; } }
.site-footer .brand .site-logo svg { height: 34px; }
.site-footer .brand .site-logo .logo-img { height: 42px; }
.site-footer .brand p { color: var(--dk-on-dark-2); font-size: 14px; max-width: 38ch; margin: 16px 0 18px; line-height: 1.6; }

/* Socials */
.site-footer .socials {
  list-style: none; padding: 0; margin: 18px 0 0;
  display: flex; flex-wrap: wrap; gap: 10px; align-items: center;
}
.site-footer .socials li { padding: 0; margin: 0; line-height: 0; }
.site-footer .soc {
  display: flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 999px;
  color: #fff; text-decoration: none; line-height: 0;
  transition: transform .15s ease, filter .15s ease;
}
.site-footer .soc:hover { transform: translateY(-1px); filter: brightness(1.08); text-decoration: none; }
.site-footer .soc svg { width: 18px; height: 18px; display: block; }
.site-footer .soc-phone     { background: #15407A; }
.site-footer .soc-whatsapp  { background: #25D366; }
.site-footer .soc-instagram { background: radial-gradient(circle at 30% 110%, #FDCB52 0%, #F95F39 30%, #D7227F 55%, #8C3FAB 80%, #4F5BD5 100%); }
.site-footer .soc-facebook  { background: #1877F2; }
.site-footer .soc-linkedin  { background: #0A66C2; }
.soc-xing      { background: #006567; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { padding: 5px 0; font-size: 14.5px; }
.site-footer .contact-block { font-size: 14px; line-height: 1.7; }
.site-footer .contact-block b { color: #fff; }
.site-footer .bottom {
  padding-top: 28px;
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
  font-size: 12.5px; color: var(--dk-on-dark-2);
}
.site-footer .bottom-legal { display: flex; gap: 18px; flex-wrap: wrap; }
.site-footer .disclaimer {
  margin-top: 24px;
  font-size: 12.5px; color: var(--dk-on-dark-2); line-height: 1.65;
}

/* ============================================================
   UTILITY · misc
   ============================================================ */
.divider { height: 1px; background: var(--dk-line); border: 0; margin: 24px 0; }
.mb-0 { margin-bottom: 0; }
.mb-2 { margin-bottom: 12px; }
.mb-4 { margin-bottom: 24px; }
.mb-6 { margin-bottom: 36px; }
.mt-2 { margin-top: 12px; }
.mt-4 { margin-top: 24px; }
.mt-6 { margin-top: 36px; }
.muted { color: var(--dk-muted); }
.legal-hint { font-size: 12.5px; color: var(--dk-muted); }
.rechner-result .legal-hint { color: var(--dk-on-dark-2); }

/* Prose for long-text pages (legal, lexikon, ratgeber) */
.prose { max-width: 760px; }
.prose h2 { margin: 32px 0 14px; }
.prose h3 { margin: 28px 0 10px; }
.prose h4 { margin: 24px 0 8px; }
.prose p, .prose li { font-size: 16.5px; line-height: 1.7; color: var(--dk-text-2); }
.prose ul, .prose ol { padding-left: 22px; }
.prose ul li, .prose ol li { padding: 4px 0; }
.prose strong { color: var(--dk-navy); }
.prose hr { border: 0; border-top: 1px solid var(--dk-line); margin: 36px 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; }
.prose th, .prose td { padding: 12px 14px; border-bottom: 1px solid var(--dk-line); text-align: left; }
.prose th { background: var(--dk-blue-50); color: var(--dk-navy); font-weight: 800; }

/* SEO-Cluster chips */
.chip-cluster { display: flex; gap: 8px; flex-wrap: wrap; margin: 8px 0; }
.chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 7px 13px; border-radius: 999px;
  background: var(--dk-blue-100); color: var(--dk-blue-700);
  font-size: 13px; font-weight: 700; text-decoration: none;
}
.chip:hover { background: var(--dk-blue); color: #fff; text-decoration: none; }

/* ============================================================
   GLOBALE MOBILE-FEINHEITEN (Hero, Container, CTA-Box, Footer)
   ============================================================ */
@media (max-width: 720px) {
  .container,
  .container-narrow,
  .container-text { padding: 0 18px; }

  h1 { font-size: clamp(28px, 8vw, 38px); line-height: 1.08; }
  h2 { font-size: clamp(24px, 6vw, 30px); }
  h3 { font-size: clamp(19px, 4.5vw, 22px); }
  .lead { font-size: 15.5px; }

  /* Hero: Stack ist schon da, hier kleinere Paddings */
  .hero { padding: 36px 0 28px; }
  .hero .cta-row .btn { flex: 1 1 auto; }
  .hero-visual { padding: 16px; }

  /* Sections */
  .section { padding: 44px 0; }
  .section-head { margin-bottom: 24px; }

  /* CTA-Box: zentriert auf Mobile, Buttons full-width */
  .cta-box { padding: 28px 22px; text-align: center; }
  .cta-box .actions { justify-content: stretch; }
  .cta-box .actions .btn { width: 100%; }

  /* Buttons sticken oft auf Mobile auseinander */
  .btn-lg { padding: 14px 22px; font-size: 15px; }

  /* Footer: kompakter */
  .site-footer { padding: 44px 0 24px; margin-top: 44px; }
  .site-footer .top { gap: 28px 20px; padding-bottom: 28px; }
  .site-footer h3 { margin-bottom: 10px; font-size: 13px; }
  .site-footer .brand p { margin: 12px 0 14px; }
  .site-footer .bottom { gap: 12px; font-size: 12px; }
  .site-footer .bottom-legal { gap: 12px 14px; }

  /* Trustbar */
  .site-trustbar .inner { padding: 8px 16px; }

  /* Header */
  .site-header .inner { padding: 12px 16px; }

  /* Mobile-Drawer: bessere Touch-Targets */
  .mobile-drawer li a { padding: 13px 12px; font-size: 15.5px; }

  /* Tabellen mit horizontalem Scroll, statt Overflow */
  .compare { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .compare table { min-width: 520px; }

  /* Prose-Tabellen ebenfalls scrollbar */
  .prose table { display: block; overflow-x: auto; min-width: 0; -webkit-overflow-scrolling: touch; }

  /* Forms: iOS-Zoom verhindern (16px Mindestschrift) */
  .input, .select, .textarea { font-size: 16px; }
}

/* Sehr klein (≤ 380 px) */
@media (max-width: 380px) {
  .container,
  .container-narrow,
  .container-text { padding: 0 14px; }
  .hero { padding: 28px 0 22px; }
  .section { padding: 36px 0; }
  .cta-box { padding: 22px 18px; }
}

/* Touch-Targets WCAG 2.5.5 — sicherheitshalber */
@media (pointer: coarse) {
  .btn, .btn-go, .btn-back, .btn-add,
  .az-btn, .kc-nav {
    min-height: 44px;
  }
}


/* ============================================================
   CONTENT-DEEPENING (Phase 2A · Mai 2026 · v2 mit Brand-Icons)
   Sektionen für Kreditseiten-Vertiefung mit DK-Signal-Icons:
   - Geeignet/Nicht-geeignet-Spalten (.fit-*)         → check_green / excl_amber
   - Stolperstein-Karten (.pitfall-*)                  → cross_red
   - Interaktive Checkliste (.checklist)               → unchecked Frame / checked check_green
   - Quellen-/Aktualisierungs-Footer (.page-updated)
   ============================================================ */

/* === Geeignet / Nicht geeignet — zweispaltig === */
.fit-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
@media (max-width: 720px) {
  .fit-grid { grid-template-columns: 1fr; }
}
.fit-col {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: var(--r-lg);
  padding: clamp(20px, 2.2vw, 28px);
}
.fit-col h3 {
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 14px;
  align-items: center;
  margin: 0 0 18px;
  font-size: 19px;
  font-weight: 800;
  color: var(--dk-navy);
  line-height: 1.25;
}
.fit-col h3::before {
  content: "";
  width: 48px; height: 48px;
  background-repeat: no-repeat;
  background-position: center;
  background-size: contain;
}
.fit-col.is-yes h3::before {
  background-image: url("../assets/icons/dk-signal_check_green.svg");
}
.fit-col.is-no h3::before {
  background-image: url("../assets/icons/dk-signal_excl_amber.svg");
}
.fit-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.fit-list li {
  padding: 4px 0 4px 18px;
  position: relative;
  font-size: 15.5px;
  line-height: 1.55;
  color: var(--dk-text-2);
  overflow-wrap: break-word;
  word-break: normal;
  hyphens: auto;
}
.fit-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 13px;
  width: 8px; height: 8px;
  border-radius: 50%;
}
.fit-col.is-yes .fit-list li::before { background: #16A34A; }
.fit-col.is-no  .fit-list li::before { background: #D97706; }

/* === Stolpersteine — Karten mit cross_red Icon === */
.pitfall-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
@media (max-width: 720px) {
  .pitfall-grid { grid-template-columns: 1fr; }
}
.pitfall {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: var(--r-lg);
  padding: 22px 24px 22px 84px;
  position: relative;
  min-height: 88px;
}
.pitfall::before {
  content: "";
  position: absolute;
  left: 22px; top: 22px;
  width: 44px; height: 44px;
  background: url("../assets/icons/dk-signal_cross_red.svg") no-repeat center / contain;
}
@media (max-width: 480px) {
  .pitfall { padding: 18px 18px 18px 70px; }
  .pitfall::before { width: 38px; height: 38px; left: 18px; top: 18px; }
}
.pitfall h3 {
  margin: 0 0 8px;
  font-size: 16.5px;
  font-weight: 800;
  color: var(--dk-navy);
  line-height: 1.3;
  overflow-wrap: break-word;
}
.pitfall p {
  margin: 0;
  font-size: 14.5px;
  color: var(--dk-text-2);
  line-height: 1.6;
  overflow-wrap: break-word;
  hyphens: auto;
}

/* === Interaktive Checkliste — abhakbar, persistent === */
.checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}
.checklist li {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-radius: 12px;
  transition: background 0.18s ease, border-color 0.18s ease;
}
.checklist label {
  display: grid;
  grid-template-columns: 32px 1fr;
  gap: 16px;
  align-items: start;
  padding: 16px 20px;
  cursor: pointer;
  font-size: 15.5px;
  line-height: 1.55;
  color: var(--dk-text-2);
}
.checklist input[type="checkbox"] {
  -webkit-appearance: none;
  appearance: none;
  width: 30px;
  height: 30px;
  border: 2.5px solid #1668D6;
  border-radius: 8px;
  background: #fff;
  cursor: pointer;
  margin: 0;
  flex-shrink: 0;
  transition: all 0.18s ease;
  position: relative;
}
.checklist input[type="checkbox"]:hover {
  background: #f7faff;
}
.checklist input[type="checkbox"]:checked {
  border: 0;
  background: url("../assets/icons/dk-signal_check_green.svg") no-repeat center / contain;
}
.checklist input[type="checkbox"]:focus-visible {
  outline: 3px solid rgba(22, 104, 214, 0.35);
  outline-offset: 2px;
}
.checklist .cl-text {
  overflow-wrap: break-word;
  word-break: normal;
  hyphens: auto;
  padding-top: 4px;
}
.checklist strong {
  color: var(--dk-navy);
  font-weight: 700;
}
.checklist strong::after { content: " — "; color: var(--dk-muted); font-weight: 400; }
.checklist li:has(input:checked) {
  background: #f4faf7;
  border-color: rgba(22, 163, 74, 0.30);
}
.checklist li:has(input:checked) .cl-text {
  color: var(--dk-muted);
}
.checklist li:has(input:checked) strong {
  text-decoration: line-through;
  text-decoration-color: rgba(15, 39, 66, 0.45);
  color: var(--dk-muted);
}

/* === Aktualisierungs-/Quellen-Footer === */
.page-updated {
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--dk-muted);
  margin-top: 36px;
  padding-top: 20px;
  border-top: 1px dashed var(--dk-line);
  letter-spacing: 0.02em;
}
.page-updated time { color: var(--dk-text-2); font-weight: 500; }


/* Wunschliste — positives Listing mit Brand-Check (für Midlife-Special) */
.wishlist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px 20px;
}
@media (max-width: 720px) {
  .wishlist { grid-template-columns: 1fr; }
}
.wishlist li {
  display: grid;
  grid-template-columns: 30px 1fr;
  column-gap: 14px;
  row-gap: 2px;
  align-items: start;
  padding: 14px 16px 14px 14px;
  background: #fff;
  border: 1px solid rgba(22, 163, 74, 0.18);
  border-radius: 12px;
}
.wishlist li::before {
  content: "";
  grid-column: 1;
  grid-row: 1 / span 2;
  width: 30px; height: 30px;
  background: url("../assets/icons/dk-signal_check_green.svg") no-repeat center / contain;
  margin-top: 2px;
}
.wishlist li > b {
  grid-column: 2;
  grid-row: 1;
}
.wishlist li > span {
  grid-column: 2;
  grid-row: 2;
}
.wishlist li b {
  display: block;
  color: var(--dk-navy);
  font-weight: 700;
  font-size: 15.5px;
  margin-bottom: 3px;
  line-height: 1.3;
}
.wishlist li span {
  display: block;
  font-size: 14px;
  color: var(--dk-text-2);
  line-height: 1.5;
  overflow-wrap: break-word;
  hyphens: auto;
}

.wishlist-box {
  margin-top: 40px;
  background: linear-gradient(180deg, rgba(22, 163, 74, 0.04), rgba(22, 163, 74, 0.02));
  border: 1px solid rgba(22, 163, 74, 0.18);
  border-radius: var(--r-lg);
  padding: clamp(24px, 3vw, 36px);
}
.wishlist-box-head { margin-bottom: 18px; }
.wishlist-box-head .kicker {
  color: #0a8a4a;
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.06em;
  margin-bottom: 6px;
}
.wishlist-box-head h3 { font-size: 22px; font-weight: 800; margin: 0; color: var(--dk-navy); }


/* === DISCLAIMER-GRID (Phase 2A · Mai 2026) ===
   POSITIV gestylt analog .wishlist — Brand-Check-Icon + dezenter grüner Akzent.
   Wird auf der Ästhetik-Kredit-Sparte verwendet. */
.disclaimer-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}
@media (max-width: 720px) {
  .disclaimer-grid { grid-template-columns: 1fr; }
}
.disclaimer-item {
  background: #fff;
  border: 1px solid rgba(22, 104, 214, 0.18);
  border-radius: var(--r-lg);
  padding: 22px 24px 22px 80px;
  position: relative;
  background-image: linear-gradient(180deg, rgba(22, 104, 214, 0.04), rgba(22, 104, 214, 0.01));
}
.disclaimer-item::before {
  content: "";
  position: absolute;
  left: 22px; top: 22px;
  width: 40px; height: 40px;
  background: url("../assets/icons/dk-signal_check_blue.svg") no-repeat center / contain;
}
@media (max-width: 480px) {
  .disclaimer-item { padding: 20px 18px 20px 70px; }
  .disclaimer-item::before { width: 36px; height: 36px; left: 18px; top: 18px; }
}
.disclaimer-item h3 {
  margin: 0 0 8px;
  font-size: 16.5px;
  font-weight: 800;
  color: var(--dk-navy);
  line-height: 1.3;
}
.disclaimer-item p {
  margin: 0;
  font-size: 14.5px;
  color: var(--dk-text-2);
  line-height: 1.65;
  overflow-wrap: break-word;
  hyphens: auto;
}

/* === LINKS GLOBAL — Vereinheitlichung (Phase 2A · Mai 2026) ===
   Alle Prose- und Content-Links: immer mit Unterstreichung.
   Auf dunklem Hintergrund: heller Blauton mit guter Lesbarkeit.
   Über Glossary-Term-Spans bleibt die gepunktete Underline erhalten (sind keine Links). */

/* Standardfarbe Links auf hellem Hintergrund */
.prose a:not(.dk-lex-defs-more),
.faq .a a,
.fit-list a,
.pitfall p a,
.disclaimer-item p a,
.wishlist span a {
  color: var(--dk-blue);
  text-decoration: underline;
  text-underline-offset: 2px;
  text-decoration-thickness: 1px;
  transition: color 0.15s, text-decoration-color 0.15s;
}
.prose a:not(.dk-lex-defs-more):hover,
.faq .a a:hover,
.fit-list a:hover,
.pitfall p a:hover,
.disclaimer-item p a:hover,
.wishlist span a:hover {
  color: var(--dk-blue-700);
  text-decoration-thickness: 2px;
}

/* Links auf TINT-SOFT Hintergrund (z.B. Disclaimer, Geeignet-Sektion) */
.section-tint-soft a:not(.btn):not(.dk-lex-defs-more) {
  color: var(--dk-blue-700, #0a4ea8);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* Links auf DUNKLEM Hintergrund (cta-box, section-dark, site-footer) */
.section-dark a:not(.btn),
.cta-box a:not(.btn),
.site-footer a:not(.btn):not(.soc):not(.site-logo):not(.lic-link) {
  color: var(--dk-blue-200, #93C5FD);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.section-dark a:not(.btn):hover,
.cta-box a:not(.btn):hover,
.site-footer a:not(.btn):not(.soc):not(.site-logo):hover {
  color: #fff;
  text-decoration-thickness: 2px;
}

/* Inline-Links in Prose-Texten (h2/h3-Headlines): Farbe behalten, kein Underline */
.prose h2 a, .prose h3 a { text-decoration: none; }

.card-photo-aesthetik {
    background-image: url("../assets/foto-aesthetik.jpg");
    background-image: image-set(url("../assets/foto-aesthetik.webp") type("image/webp"), url("../assets/foto-aesthetik.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: 38% 32%;
}
.card-photo-aesthetik span { display: none; }
.card-photo-immobilien {
    background-image: url("../assets/foto-immobilienkredit.jpg");
    background-image: image-set(url("../assets/foto-immobilienkredit.webp") type("image/webp"), url("../assets/foto-immobilienkredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 55%;
}
.card-photo-immobilien span { display: none; }
.card-photo-modernisierung {
    background-image: url("../assets/foto-modernisierungskredit.jpg");
    background-image: image-set(url("../assets/foto-modernisierungskredit.webp") type("image/webp"), url("../assets/foto-modernisierungskredit.jpg") type("image/jpeg"));
    background-size: cover;
    background-position: center 45%;
}
.card-photo-modernisierung span { display: none; }

/* === HERO-PHOTO (Sparten ohne Rechner — z. B. Immobilienkredit) === */
.hero-visual.hero-visual-photo { padding: 0; overflow: hidden; }
.hero-photo {
    width: 100%; aspect-ratio: 4 / 3;
    background-size: cover; background-position: center;
    background-color: var(--dk-bg-cream);
}
.hero-photo-immobilien {
    background-image: url("../assets/foto-immobilienkredit.jpg");
    background-image: image-set(url("../assets/foto-immobilienkredit.webp") type("image/webp"), url("../assets/foto-immobilienkredit.jpg") type("image/jpeg"));
    background-position: center 55%;
}
.hero-photo-caption { padding: 20px 24px 24px; }
.hero-photo-caption .label {
    font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.1em;
    text-transform: uppercase; color: var(--dk-muted); font-weight: 700;
    margin-bottom: 8px;
}
.hero-photo-caption p {
    font-size: 14px; color: var(--dk-text-2); margin: 0; line-height: 1.55;
}


/* === AUTOR-BOX (E-E-A-T · Phase 2C · Mai 2026) ===
   Erscheint nach der Prose und vor dem FIT-Grid; signalisiert Suchmaschinen
   und Nutzern, wer für den Content verantwortlich ist. */
.author-box {
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 22px;
  align-items: center;
  background: var(--dk-bg-cream);
  border: 1px solid var(--dk-line);
  border-left: 4px solid var(--dk-blue);
  border-radius: var(--r-lg);
  padding: clamp(16px, 2vw, 22px) clamp(20px, 2.4vw, 28px);
  margin: 32px 0 0;
}
@media (max-width: 540px) {
  .author-box { grid-template-columns: 1fr; gap: 12px; padding: 18px 18px 20px; text-align: center; }
}
.author-photo {
  width: 150px; height: 150px;
}
@media (max-width: 540px) {
  .author-photo { width: 130px; height: 130px; margin: 0 auto; }
}
.author-photo img {
  width: 100%;
  height: 100%;
  border-radius: 50%;
  object-fit: cover;
  object-position: center 20%;
  display: block;
  border: 2px solid #fff;
  box-shadow: 0 4px 14px -6px rgba(15,39,66,0.20);
  background: var(--dk-blue-50);
}
.author-eyebrow {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--dk-muted); font-weight: 700;
  margin-bottom: 4px;
}
.author-name {
  font-size: 20px; font-weight: 800; color: var(--dk-navy);
  margin: 0 0 2px;
}
.author-role {
  font-size: 14px; color: var(--dk-text-2);
  margin: 0 0 10px;
}
.author-bio {
  font-size: 14.5px; color: var(--dk-text-2);
  line-height: 1.6; margin: 0 0 12px;
  max-width: 64ch;
}
.author-meta {
  display: flex; flex-wrap: wrap; gap: 8px 14px;
  font-size: 12.5px; align-items: center;
}
@media (max-width: 540px) {
  .author-meta { justify-content: center; }
  .author-bio { text-align: center; margin-left: auto; margin-right: auto; }
}
.author-cred {
  font-family: var(--font-mono); color: var(--dk-text-2);
  background: #fff; border: 1px solid var(--dk-line-2);
  padding: 4px 10px; border-radius: 999px;
}
.author-cred b { color: var(--dk-navy); font-weight: 700; }
/* ============================================================
   ACCESSIBILITY · Skip-Link für Tastatur + Screen-Reader
   ============================================================ */
.skip-link {
  position: absolute; top: 0; left: 0; z-index: 10000;
  background: var(--dk-navy); color: #fff !important;
  padding: 12px 18px;
  border-radius: 0 0 var(--r-md) 0;
  font: 700 14px var(--font-sans);
  text-decoration: none !important;
  transform: translateY(-100%);
  transition: transform .15s ease;
}
.skip-link:focus, .skip-link:focus-visible {
  transform: translateY(0);
  outline: 3px solid var(--dk-orange);
  outline-offset: 2px;
}
main { display: block; }
main:focus { outline: none; }

/* ============================================================
   GLOSSARY-TERM · Einheitlicher Style (überschreibt Prose-Underline)
   Alle <span class="glossary-term"> und <a class="glossary-term"> bekommen
   genau einen gepunkteten Strich, NIE die normale Link-Unterstreichung.
   ============================================================ */
.glossary-term,
.prose a.glossary-term,
.section-tint-soft a.glossary-term,
.wishlist span a.glossary-term {
  color: var(--dk-blue-700) !important;
  background: transparent !important;
  border-bottom: 1px dashed var(--dk-blue-200, #cddafd) !important;
  text-decoration: none !important;
  cursor: help;
  padding: 0 1px;
  transition: color .12s, border-bottom-color .12s, background .12s;
}
.glossary-term:hover,
.glossary-term:focus {
  background: var(--dk-blue-50) !important;
  border-bottom-color: var(--dk-blue) !important;
  color: var(--dk-navy) !important;
  text-decoration: none !important;
}
a.glossary-term { cursor: pointer; }
.glossary-term:focus-visible {
  outline: 2px solid var(--dk-blue);
  outline-offset: 2px;
  border-radius: 2px;
}

/* Lex-Spans auf DUNKLEM Hintergrund — Footer, section-dark, cta-box.
   Standard-Navy ist auf dunkelblauem Background unleserlich. */
.section-dark .glossary-term,
.cta-box .glossary-term,
.site-footer .glossary-term {
  color: #9CC8FF !important;
  border-bottom-color: rgba(156, 200, 255, 0.45) !important;
}
.section-dark .glossary-term:hover,
.section-dark .glossary-term:focus,
.cta-box .glossary-term:hover,
.cta-box .glossary-term:focus,
.site-footer .glossary-term:hover,
.site-footer .glossary-term:focus {
  background: rgba(156, 200, 255, 0.14) !important;
  border-bottom-color: #fff !important;
  color: #fff !important;
}


/* === HERO-PHOTO Modernisierung (Mai 2026) === */
.hero-photo-modernisierung {
    background-image: url("../assets/foto-modernisierungskredit.jpg");
    background-image: image-set(url("../assets/foto-modernisierungskredit.webp") type("image/webp"), url("../assets/foto-modernisierungskredit.jpg") type("image/jpeg"));
    background-position: center 40%;
}

/* === STUFEN-GRID (Modernisierungskredit · Drei-Stufen-Modell) === */
.stufen-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 8px;
}
@media (max-width: 900px) {
  .stufen-grid { grid-template-columns: 1fr; }
}
.stufe {
  background: #fff;
  border: 1px solid var(--dk-line);
  border-top: 6px solid var(--dk-blue);
  border-radius: var(--r-lg);
  padding: 24px 22px 22px;
  display: flex; flex-direction: column; gap: 10px;
  box-shadow: 0 1px 0 rgba(15,39,66,.03);
}
.stufe.stufe-mark {
  border-top-color: var(--dk-orange, #d97a3a);
  background: var(--dk-bg-cream);
}
.stufe-num {
  font-family: var(--font-mono);
  font-size: 11px; letter-spacing: 0.14em;
  text-transform: uppercase; font-weight: 700;
  color: var(--dk-muted);
  display: flex; align-items: center; gap: 8px;
}
.stufe-lic {
  font-family: var(--font-mono);
  font-size: 10px; letter-spacing: 0.06em;
  text-transform: none; font-weight: 700;
  color: var(--dk-blue);
  background: var(--dk-blue-50);
  border: 1px solid var(--dk-blue-100, #e0e8ff);
  padding: 2px 7px; border-radius: 999px;
  white-space: nowrap;
}
.stufe-lic-i {
  color: var(--dk-orange, #b45a1f);
  background: #fff3e8;
  border-color: #f3d6bb;
}
.stufe h3 {
  font-size: 22px; font-weight: 800;
  color: var(--dk-navy);
  margin: 0; line-height: 1.2;
}
.stufe-range {
  font-family: var(--font-mono);
  font-size: 13px; font-weight: 700;
  color: var(--dk-blue);
  background: var(--dk-blue-50);
  border: 1px solid var(--dk-blue-100, #e0e8ff);
  padding: 4px 10px; border-radius: 999px;
  align-self: flex-start;
}
.stufe.stufe-mark .stufe-range {
  color: var(--dk-orange, #b45a1f);
  background: #fff3e8;
  border-color: #f3d6bb;
}
.stufe p {
  font-size: 15px; color: var(--dk-text-2);
  line-height: 1.6; margin: 4px 0 0;
}
.stufen-note {
  margin-top: 24px;
  background: #fff;
  border: 1px dashed var(--dk-line-2, #d9dde8);
  border-radius: var(--r-md, 12px);
  padding: 16px 20px;
  font-size: 14.5px;
  color: var(--dk-text-2);
}
.stufen-note strong { color: var(--dk-navy); }
.stufen-note ul { margin: 8px 0 0; padding-left: 18px; }
.stufen-note li { margin: 4px 0; line-height: 1.55; }
.stufen-note li b { color: var(--dk-navy); font-weight: 700; }

/* DK cleanup: hide phone CTA buttons removed from UI */
a.tb-ico[aria-label="Anrufen"],
a.soc-phone,
a.btn[href^="tel:"] {
  display: none !important;
}