/* =========================================================
   Tutic Vermögenswege – Stylesheet
   Farben & Schriften zentral hier anpassen
   ========================================================= */
:root{
  --navy:#011C3A;        /* Markenblau (aus Logo-Hintergrund) */
  --navy-2:#002648;      /* Streifen-Blau (aus Logo-Hintergrund) */
  --navy-3:#0A2E52;
  --gold:#EDBE00;        /* Markengold (aus Logo-SVG) */
  --gold-dark:#C79F00;
  --gold-soft:#FBF3D2;
  --cream:#F7F5EF;
  --ink:#13202E;
  --muted:#556375;
  --line:#E3E1D9;
  --white:#fff;
  --radius:16px;
  --shadow:0 12px 32px rgba(1,28,58,.10);
  --head:"Avenir Next","Avenir","Futura","Century Gothic","Segoe UI",system-ui,sans-serif;
  --body:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--body);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{width:min(1160px,100% - 32px);margin-inline:auto}
section{padding:88px 0}
h1,h2,h3,h4{font-family:var(--head);color:var(--navy);line-height:1.18;font-weight:700;letter-spacing:-.01em}
h2{font-size:clamp(28px,4vw,40px);margin-bottom:14px}
h3{font-size:21px;margin-bottom:8px}
p+p{margin-top:12px}
.eyebrow{display:inline-block;font-family:var(--head);font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dark);font-weight:700;margin-bottom:12px}
.lead{font-size:19px;color:var(--muted);max-width:660px}
.center{text-align:center}.center .lead{margin-inline:auto}
.bg-cream{background:var(--cream)}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--navy);padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:999px;font-family:var(--head);font-weight:700;text-decoration:none;font-size:16px;transition:transform .15s,box-shadow .15s,background .15s,color .15s;border:2px solid transparent;cursor:pointer;line-height:1.2}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(237,190,0,.35)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--navy-3)}
.btn-ghost{border-color:var(--navy);color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:var(--white)}
.btn-light{border-color:rgba(255,255,255,.55);color:var(--white)}
.btn-light:hover{background:var(--white);color:var(--navy)}
.arrow-link{font-family:var(--head);font-weight:700;color:var(--navy);text-decoration:none;display:inline-flex;gap:6px;align-items:center}
.arrow-link::after{content:"→";color:var(--gold-dark);transition:transform .15s}
.arrow-link:hover::after{transform:translateX(4px)}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.brand img{height:50px;width:auto}
.menu{display:flex;align-items:center;gap:26px;list-style:none}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{font-family:var(--head);font-weight:600;color:rgba(255,255,255,.9);font-size:15px;text-decoration:none;background:none;border:0;cursor:pointer;padding:26px 0;display:inline-flex;align-items:center;gap:6px}
.menu>li>a:hover,.menu>li>button:hover,.menu>li>a[aria-current="page"]{color:var(--gold)}
.menu .chev{width:10px;height:10px;transition:transform .2s}
.drop{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(6px);background:var(--white);border-radius:var(--radius);box-shadow:0 20px 50px rgba(0,0,0,.25);padding:26px 28px;opacity:0;visibility:hidden;transition:.18s;min-width:220px}
.drop.mega{display:grid;grid-template-columns:repeat(4,minmax(170px,1fr));gap:22px 30px;width:max-content;max-width:min(920px,94vw)}
.has-drop:hover .drop,.has-drop:focus-within .drop,.has-drop.open .drop{opacity:1;visibility:visible;transform:translateX(-50%)}
.drop h4{font-size:15px;margin-bottom:6px}
.drop h4 a{text-decoration:none}
.drop h4 a:hover{color:var(--gold-dark)}
.drop ul{list-style:none}
.drop li a{font-size:14px;color:var(--muted);text-decoration:none;line-height:2}
.drop li a:hover{color:var(--navy);text-decoration:underline;text-decoration-color:var(--gold)}
.nav-phone{background:var(--gold)!important;color:var(--navy)!important;padding:10px 18px!important;border-radius:999px}
.nav-phone:hover{background:var(--white)!important}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--white);margin:5px auto;transition:.2s}

/* Hero (Startseite & Unterseiten) */
.hero{position:relative;background:var(--navy);color:var(--white);overflow:hidden;padding:84px 0 96px}
.hero::before,.hero::after{content:"";position:absolute;top:-10%;bottom:-10%;width:90px;background:var(--navy-2);transform:skewX(-20deg);pointer-events:none}
.hero::before{right:12%}
.hero::after{right:-2%;width:60px}
.hero .wrap{position:relative;z-index:1}
.hero h1{color:var(--white);font-size:clamp(36px,5.4vw,60px);margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .lead{color:rgba(255,255,255,.82);margin-bottom:30px}
.hero .eyebrow{color:var(--gold)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:30px}
.pills{display:flex;flex-wrap:wrap;gap:10px}
.pill{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.22);padding:8px 16px;border-radius:999px;font-weight:600;font-size:14px}
.pill svg{color:var(--gold)}
.hero-card{background:linear-gradient(160deg,var(--navy-2),var(--navy-3));border:1px solid rgba(255,255,255,.1);border-radius:28px;padding:40px 34px;box-shadow:0 30px 60px rgba(0,0,0,.3)}
.hero-card .bars{width:110px;margin-bottom:26px}
.hero-card b{display:block;font-family:var(--head);font-size:24px;color:var(--white);margin-bottom:6px}
.hero-card p{color:rgba(255,255,255,.75)}
.hero-card .who{display:flex;gap:14px;align-items:center;margin-top:24px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12)}
.avatar{width:54px;height:54px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;font-family:var(--head);font-weight:700;font-size:20px;flex:none;overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover}
.hero-card .who small{display:block;color:rgba(255,255,255,.65);font-size:14px}
.hero-card .who strong{color:var(--white);font-family:var(--head)}
.hero.sub{padding:64px 0 72px}
.hero.sub h1{font-size:clamp(32px,4.6vw,52px);max-width:820px}
.crumbs{font-size:14px;color:rgba(255,255,255,.6);margin-bottom:18px}
.crumbs a{text-decoration:none}.crumbs a:hover{color:var(--gold)}
.crumbs span{margin:0 8px}

/* Claim band */
.claim{background:var(--gold);color:var(--navy);padding:26px 0}
.claim p{font-family:var(--head);font-weight:700;font-size:clamp(19px,2.6vw,26px);text-align:center}

/* Tiles / cards */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.mt{margin-top:46px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex;flex-direction:column;text-decoration:none;color:inherit}
a.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--gold)}
.icon{width:54px;height:54px;border-radius:14px;background:var(--gold-soft);color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:18px;flex:none}
.icon svg{width:26px;height:26px}
.card p{color:var(--muted);font-size:15px;margin-bottom:14px}
.card ul{list-style:none;border-top:1px solid var(--line);padding-top:14px;margin-bottom:16px}
.card li{font-size:14px;padding:3px 0 3px 20px;position:relative}
.card li::before{content:"";position:absolute;left:0;top:13px;width:10px;height:2px;background:var(--gold)}
.card .arrow-link{margin-top:auto;font-size:15px}
.tile{padding:24px}
.tile h3{font-size:19px}
.tile p{margin-bottom:12px}
.group+.group{margin-top:64px}
.group-head{display:flex;justify-content:space-between;align-items:end;gap:20px;flex-wrap:wrap;margin-bottom:26px}
.group-head p{color:var(--muted);max-width:640px}

/* Über mich teaser */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.problems{list-style:none;margin:22px 0}
.problems li{display:flex;gap:12px;align-items:flex-start;padding:12px 16px;background:var(--white);border-radius:12px;margin-bottom:10px;border:1px solid var(--line)}
.problems svg{flex:none;color:#B5523B;margin-top:4px}
.principle{border-left:4px solid var(--gold);padding:6px 0 6px 18px;font-family:var(--head);font-weight:600;font-size:21px;color:var(--navy)}
.navy-box{background:var(--navy);color:var(--white);border-radius:24px;padding:40px;position:relative;overflow:hidden}
.navy-box::after{content:"";position:absolute;right:-30px;top:-20%;bottom:-20%;width:60px;background:var(--navy-2);transform:skewX(-20deg)}
.navy-box>*{position:relative;z-index:1}
.navy-box h3{color:var(--white);font-size:26px;margin-bottom:16px}
.navy-box p{color:rgba(255,255,255,.8)}
.checks{list-style:none}
.checks li{display:flex;gap:12px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.checks li:last-child{border:0}
.checks svg{flex:none;color:var(--gold);margin-top:4px}

/* Ablauf */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.step{padding:30px 24px;border-radius:var(--radius);background:var(--white);border:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s);display:flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:var(--head);font-size:21px;font-weight:700;margin-bottom:16px}
.step p{color:var(--muted);font-size:15px}
.step .tag{display:inline-block;margin-top:12px;font-size:12px;font-weight:700;color:var(--gold-dark);text-transform:uppercase;letter-spacing:.08em}

/* Versprechen */
.promise{background:var(--navy);color:var(--white);position:relative;overflow:hidden}
.promise::before{content:"";position:absolute;left:6%;top:-10%;bottom:-10%;width:70px;background:var(--navy-2);transform:skewX(-20deg)}
.promise .wrap{position:relative}
.promise h2{color:var(--white)}
.promise .lead{color:rgba(255,255,255,.8)}
.promise-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.promise-list{display:grid;gap:14px}
.promise-item{display:flex;gap:16px;align-items:center;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:16px 20px;font-family:var(--head);font-weight:600}
.promise-item .icon{margin:0;background:rgba(237,190,0,.16);color:var(--gold)}
.quote{margin-top:26px;font-family:var(--head);font-weight:700;font-size:22px;color:var(--gold)}

/* Bewertungen */
.rating-badge{display:inline-flex;align-items:center;gap:18px;background:var(--white);border:1px solid var(--line);border-radius:20px;padding:18px 26px;box-shadow:var(--shadow);text-decoration:none;color:inherit;margin-top:10px}
.rating-badge .score{font-family:var(--head);font-size:44px;font-weight:700;color:var(--navy);line-height:1}
.stars{color:var(--gold);letter-spacing:3px;font-size:20px}
.rating-badge small{display:block;color:var(--muted);font-size:14px}
.reviews{display:flex;flex-wrap:wrap;justify-content:center;gap:22px;margin-top:40px;text-align:left}
.reviews .review{flex:0 1 calc((100% - 44px)/3);display:flex;flex-direction:column}
.review blockquote{flex:1}
.review figcaption{margin-top:16px;padding-top:14px;border-top:1px solid var(--line)}
.review figcaption b{margin-top:0}
.review small{display:block}
.review{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:var(--white)}
.review p{color:var(--ink);margin-top:10px}
.review b{display:block;margin-top:14px;color:var(--navy);font-family:var(--head)}
.review small{color:var(--muted)}
.review-actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:30px}

/* FAQ */
.faq-list{max-width:840px;margin:40px auto 0}
details{background:var(--white);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden}
summary{list-style:none;cursor:pointer;padding:20px 56px 20px 22px;font-family:var(--head);font-weight:700;color:var(--navy);position:relative;font-size:17px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:26px;color:var(--gold-dark);font-weight:400;transition:.2s}
details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
details .a{padding:0 22px 20px;color:var(--muted)}

/* Wissensseite */
.article{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}
.prose h2{font-size:clamp(24px,3vw,30px);margin:44px 0 12px}
.prose h2:first-child{margin-top:0}
.prose p{color:#2A3746}
.prose ul.dots{list-style:none;margin:14px 0}
.prose ul.dots li{position:relative;padding:6px 0 6px 26px}
.prose ul.dots li::before{content:"";position:absolute;left:4px;top:15px;width:9px;height:9px;border-radius:50%;background:var(--gold)}
.intro{font-size:20px;color:var(--navy);font-family:var(--head);font-weight:500;line-height:1.5;padding-bottom:28px;margin-bottom:36px;border-bottom:1px solid var(--line)}
.infobox{background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:0 14px 14px 0;padding:20px 22px;margin:26px 0}
.infobox b{font-family:var(--head);color:var(--navy);display:block;margin-bottom:4px}
.aside{position:sticky;top:100px;display:grid;gap:18px}
.aside .box{border:1px solid var(--line);border-radius:var(--radius);padding:26px;background:var(--white)}
.aside h3{font-size:18px;margin-bottom:12px}
.aside .navy-box{padding:28px}
.aside .navy-box h3{font-size:20px;margin-bottom:8px}
.aside .navy-box .btn{width:100%;margin-top:18px}
.check-list{list-style:none}
.check-list li{display:flex;gap:10px;padding:7px 0;font-size:15px;border-bottom:1px dashed var(--line)}
.check-list li:last-child{border:0}
.check-list svg{flex:none;color:var(--gold-dark);margin-top:5px}
.pager{display:flex;justify-content:space-between;gap:16px;margin-top:56px;padding-top:28px;border-top:1px solid var(--line)}
.pager a{text-decoration:none;max-width:48%}
.pager small{display:block;color:var(--muted);font-size:13px;text-transform:uppercase;letter-spacing:.1em}
.pager b{font-family:var(--head);color:var(--navy)}
.pager a:hover b{color:var(--gold-dark)}
.pager .next{text-align:right;margin-left:auto}
.related{display:grid;grid-template-columns:repeat(5,1fr);gap:26px}
.related h4{font-size:15px;margin-bottom:8px;padding-bottom:8px;border-bottom:2px solid var(--gold)}
.related ul{list-style:none}
.related li a{font-size:14px;color:var(--muted);text-decoration:none;line-height:2}
.related li a:hover,.related li a[aria-current="page"]{color:var(--navy);font-weight:600}

/* CTA band */
.cta-band{background:var(--gold);padding:56px 0}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.cta-band h2{margin:0;font-size:clamp(24px,3.4vw,34px)}
.cta-band p{color:var(--navy);opacity:.85;margin-top:6px}

/* Kontakt */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.contact-cards{display:grid;gap:14px}
.c-card{display:flex;gap:16px;align-items:center;padding:18px 20px;border:1px solid var(--line);border-radius:14px;text-decoration:none;transition:.2s;background:var(--white)}
a.c-card:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.c-card .icon{margin:0}
.c-card small{display:block;color:var(--muted);font-size:13px}
.c-card b{color:var(--navy);font-size:17px;word-break:break-word;font-family:var(--head)}
form.contact{background:var(--white);border:1px solid var(--line);border-radius:24px;padding:34px;box-shadow:var(--shadow)}
form.contact h3{font-size:24px;margin-bottom:6px}
form.contact>p{color:var(--muted);margin-bottom:20px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:14px;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:#FCFCFA;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(237,190,0,.2)}
.field textarea{min-height:120px;resize:vertical}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted);margin:6px 0 20px}
.consent input{margin-top:4px;width:18px;height:18px;accent-color:var(--navy);flex:none}
.hp{position:absolute;left:-9999px}
.form-msg{padding:14px 16px;border-radius:10px;margin-bottom:18px;font-weight:600;display:none}
.form-msg.ok{display:block;background:#E7F5EC;color:#1D6B3A}
.form-msg.err{display:block;background:#FCEBE8;color:#9B3324}

/* Rechtstexte */
.legal{max-width:820px}
.legal h2{font-size:24px;margin:36px 0 10px}
.legal p,.legal li{color:#2A3746}
.legal ul{margin:8px 0 8px 22px}
.todo{background:#FFF4CC;border:2px dashed var(--gold-dark);border-radius:14px;padding:22px;margin:20px 0;color:#5C4700}

/* Footer */
footer.site{background:#000F22;color:rgba(255,255,255,.68);padding:68px 0 28px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:34px;margin-bottom:44px}
footer.site h4{color:var(--white);font-size:15px;margin-bottom:12px}
footer.site ul{list-style:none}
footer.site li{padding:2px 0}
footer.site a{text-decoration:none}
footer.site a:hover{color:var(--gold)}
footer.site .brand img{height:56px;margin-bottom:16px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:13px}
.foot-bottom nav{display:flex;gap:18px;flex-wrap:wrap}
.insta{display:inline-flex;gap:8px;align-items:center;margin-top:12px}

/* Animation */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* Responsive */
@media (max-width:1080px){
  .reviews .review{flex-basis:calc((100% - 22px)/2)}
  .grid-4,.steps{grid-template-columns:repeat(2,1fr)}
  .related{grid-template-columns:repeat(3,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr 1fr}
  .article{grid-template-columns:1fr}
  .aside{position:static}
}
@media (max-width:900px){
  section{padding:64px 0}
  .burger{display:block}
  .menu{position:fixed;inset:76px 0 auto 0;background:var(--navy);flex-direction:column;align-items:stretch;gap:0;padding:6px 16px 22px;max-height:calc(100vh - 76px);overflow:auto;display:none;box-shadow:0 20px 40px rgba(0,0,0,.3)}
  .menu.open{display:flex}
  .menu>li>a,.menu>li>button{padding:15px 4px;width:100%;justify-content:space-between;border-bottom:1px solid rgba(255,255,255,.1)}
  .has-drop.open .chev{transform:rotate(180deg)}
  .drop,.drop.mega{position:static;transform:none!important;opacity:1;visibility:visible;box-shadow:none;border-radius:12px;padding:16px 18px;margin:10px 0;display:none;width:auto;max-width:none;grid-template-columns:1fr}
  .has-drop:hover .drop{display:none}
  .has-drop.open .drop,.has-drop.open .drop.mega{display:grid}
  .nav-phone{justify-content:center!important;margin-top:16px}
  .hero-grid,.about-grid,.promise-grid,.contact-grid{grid-template-columns:1fr}
  .hero::before{right:-6%}
  .hero::after{display:none}
  .grid-3{grid-template-columns:1fr}
  .reviews .review{flex-basis:100%}
}
@media (max-width:600px){
  body{font-size:16px}
  .grid-4,.steps,.two{grid-template-columns:1fr}
  .related{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr}
  .hero-ctas .btn,.cta-band .btn{width:100%}
  .navy-box,form.contact{padding:26px}
  .brand img{height:42px}
  .rating-badge{flex-direction:column;gap:8px;text-align:center}
  .pager{flex-direction:column}.pager a{max-width:100%}
}

/* Porträt */
.hero-photo{position:relative;border-radius:28px;max-width:520px;width:100%;margin-left:auto}
.hero-photo::before{content:"";position:absolute;inset:18px -18px -18px 18px;border:3px solid var(--gold);border-radius:28px;z-index:0}
.hero-photo img{position:relative;z-index:1;width:100%;aspect-ratio:5/4;object-fit:cover;object-position:40% 30%;border-radius:28px;box-shadow:0 30px 60px rgba(0,0,0,.3)}
.photo-badge{position:absolute;z-index:2;left:-22px;bottom:-26px;display:flex;align-items:center;gap:14px;background:var(--navy);border:1px solid rgba(255,255,255,.12);color:var(--white);border-radius:16px;padding:14px 20px;box-shadow:0 16px 36px rgba(0,0,0,.3)}
.photo-badge .bars{width:30px;margin:0}
.photo-badge strong{display:block;font-family:var(--head);font-size:17px}
.photo-badge small{display:block;color:rgba(255,255,255,.7);font-size:13px}
.bg-cream .photo-badge,section:not(.hero) .photo-badge{background:var(--navy)}
.contact-person{display:flex;gap:12px;align-items:center;margin-bottom:16px;padding-bottom:16px;border-bottom:1px solid rgba(255,255,255,.12)}
.contact-person strong{display:block;font-family:var(--head)}
.contact-person small{color:rgba(255,255,255,.7);font-size:13px}
@media (max-width:900px){
  .hero-photo{margin:10px auto 0;max-width:360px}
  .hero-photo::before{inset:14px -12px -12px 14px}
  .photo-badge{left:12px;bottom:-22px}
}

/* Familienfoto */
.family-photo{position:relative;max-width:460px;width:100%}
.family-photo::before{content:"";position:absolute;inset:-18px 18px 18px -18px;background:var(--navy);border-radius:28px}
.family-photo img{position:relative;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 40%;border-radius:28px;box-shadow:var(--shadow)}
.topic-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.topic-links a{display:inline-flex;align-items:center;gap:8px;padding:9px 16px;border-radius:999px;background:var(--white);border:1px solid var(--line);text-decoration:none;font-weight:600;font-size:15px;color:var(--navy);transition:.15s}
.topic-links a svg{color:var(--gold-dark)}
.topic-links a:hover{border-color:var(--gold);box-shadow:var(--shadow)}
@media (max-width:900px){.family-photo{max-width:380px;width:calc(100% - 14px);margin:18px auto 0 14px}.family-photo::before{inset:-14px 14px 14px -14px}}

/* =========================================================
   Scroll-Effekte
   ========================================================= */
.scroll-progress{position:fixed;top:0;left:0;right:0;height:3px;background:var(--gold);transform-origin:0 50%;transform:scaleX(0);z-index:70;pointer-events:none}
header.site{transition:box-shadow .3s}
header.site .nav{transition:height .3s}
header.site .brand img{transition:height .3s}
header.site.scrolled{box-shadow:0 10px 30px rgba(0,0,0,.25)}
header.site.scrolled .nav{height:64px}
header.site.scrolled .brand img{height:42px}

/* Einblenden: Grundbewegung + Verzögerung */
.reveal{transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1);transition-delay:var(--d,0ms)}
.grid-4>.reveal,.grid-3>.reveal,.steps>.reveal,.reviews>.reveal{transform:translateY(34px) scale(.97)}
.about-grid>.reveal:first-child,.promise-grid>.reveal:first-child,.contact-grid>.reveal:first-child{transform:translateX(-46px)}
.about-grid>.reveal:last-child,.promise-grid>.reveal:last-child,.contact-grid>.reveal:last-child{transform:translateX(46px)}
.grid-4>.reveal.in,.grid-3>.reveal.in,.steps>.reveal.in,.reviews>.reveal.in,
.about-grid>.reveal.in,.promise-grid>.reveal.in,.contact-grid>.reveal.in{transform:none}

/* Listen laufen nacheinander ein */
.reveal .stagger{opacity:0;transform:translateX(-14px);transition:opacity .5s ease,transform .5s ease;transition-delay:calc(var(--d,0ms) + 250ms)}
.reveal.in .stagger{opacity:1;transform:none}

/* Fotos: Vorhang-Effekt + Parallax */
.hero-photo.reveal img,.family-photo.reveal img{clip-path:inset(100% 0 0 0 round 28px);transition:clip-path 1.2s cubic-bezier(.7,0,.2,1) .15s}
.hero-photo.reveal.in img,.family-photo.reveal.in img{clip-path:inset(0 0 0 0 round 28px)}
.hero-photo.reveal::before,.family-photo.reveal::before{opacity:0;transition:opacity .8s ease .9s,transform .8s ease .9s;transform:translate(-14px,14px)}
.family-photo.reveal::before{transform:translate(14px,-14px)}
.hero-photo.reveal.in::before,.family-photo.reveal.in::before{opacity:1;transform:none}
.photo-badge{transition:opacity .6s ease 1.1s,transform .6s ease 1.1s}
.hero-photo.reveal:not(.in) .photo-badge{opacity:0;transform:translateY(16px)}
.hero .hero-photo img{translate:0 calc(var(--hs,0) * -0.06px)}
.family-photo img{translate:0 var(--py,0px);transition:clip-path 1.2s cubic-bezier(.7,0,.2,1) .15s}

/* Hero: Streifen bewegen sich unterschiedlich schnell */
.hero::before{transform:skewX(-20deg) translateY(calc(var(--hs,0) * -0.35px))}
.hero::after{transform:skewX(-20deg) translateY(calc(var(--hs,0) * -0.6px))}

/* Lauftext */
.claim{overflow:hidden;padding:20px 0}
.claim .wrap{width:100%}
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-track{display:flex;align-items:center;gap:34px;width:max-content;animation:marquee 45s linear infinite}
.marquee-track span{font-family:var(--head);font-weight:700;font-size:clamp(18px,2.4vw,24px);color:var(--navy);white-space:nowrap}
.marquee-track .dot{font-size:16px;opacity:.55}
.claim:hover .marquee-track{animation-play-state:paused}
@keyframes marquee{to{transform:translateX(-50%)}}

/* Ablauf: Fortschrittslinie + Schritte leuchten auf */
.steps-track{position:relative;height:4px;border-radius:4px;background:var(--line);margin-top:46px;overflow:hidden}
.steps-track .fill{position:absolute;inset:0;background:var(--gold);transform-origin:0 50%;transform:scaleX(var(--p,0))}
.steps-track+.steps{margin-top:26px}
.step::before{transition:background .4s,color .4s,transform .4s cubic-bezier(.3,1.6,.5,1)}
.step.done::before{background:var(--gold);color:var(--navy);transform:scale(1.12)}
.step{transition:border-color .4s,box-shadow .4s,opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1);transition-delay:0s,0s,var(--d,0ms),var(--d,0ms)}
.step.done{border-color:var(--gold);box-shadow:0 10px 26px rgba(237,190,0,.18)}

/* Karten: Lichtschein unter der Maus */
a.card.ready{transition:transform .25s ease,box-shadow .25s,border-color .25s;transition-delay:0s}
a.card:hover{background-image:radial-gradient(circle at var(--mx,50%) var(--my,50%),rgba(237,190,0,.13),transparent 45%)}

@media (prefers-reduced-motion:reduce){
  .reveal .stagger{opacity:1;transform:none}
  .hero-photo.reveal img,.family-photo.reveal img{clip-path:none}
  .hero::before,.hero::after{transform:skewX(-20deg)}
  .hero .hero-photo img,.family-photo img{translate:none}
}

/* =========================================================
   Logo-Balken
   ========================================================= */
.bar{transform-box:fill-box;transform-origin:50% 100%}
@keyframes barUp{from{transform:scaleY(0)}to{transform:scaleY(1)}}

/* Namensschild am Foto */
.hero-photo.in .photo-badge .bar{animation:barUp .7s cubic-bezier(.3,1.5,.5,1) both}
.hero-photo.in .photo-badge .b1{animation-delay:1.25s}
.hero-photo.in .photo-badge .b2{animation-delay:1.4s}
.hero-photo.in .photo-badge .b3{animation-delay:1.55s}

/* Kleine Balken vor den Überschrift-Zeilen */
.eb-bars{display:inline-block;width:13px;height:14px;margin-right:9px;vertical-align:-1px;overflow:visible}
.eyebrow.grow .bar{animation:barUp .6s cubic-bezier(.3,1.5,.5,1) both}
.eyebrow.grow .b2{animation-delay:.1s}
.eyebrow.grow .b3{animation-delay:.2s}

/* Nach-oben-Knopf mit Fortschritt */
.totop{position:fixed;right:18px;bottom:18px;z-index:60;width:54px;height:54px;border-radius:50%;border:0;background:var(--navy);box-shadow:0 10px 26px rgba(0,0,0,.28);display:flex;align-items:center;justify-content:center;cursor:pointer;opacity:0;transform:translateY(20px) scale(.9);pointer-events:none;transition:opacity .3s,transform .3s}
.totop.show{opacity:1;transform:none;pointer-events:auto}
.totop:hover{transform:translateY(-3px)}
.totop svg{width:24px;height:27px;overflow:visible}
.totop .bg polygon{fill:rgba(255,255,255,.18)}
.totop .fg polygon{fill:var(--gold);transform-box:fill-box;transform-origin:50% 100%;transform:scaleY(0)}

/* Intro */
.brand-intro{position:fixed;inset:0;margin:0;padding:0;border:0;z-index:100;background:var(--navy);display:flex;align-items:center;justify-content:center;transition:transform .7s cubic-bezier(.7,0,.2,1)}
.brand-intro.leave{transform:translateY(-100%)}
.intro-inner{position:relative;width:220px;height:120px;display:flex;align-items:center;justify-content:center}
.intro-bars{width:96px;height:108px;overflow:visible;animation:introBarsOut .35s ease 1s forwards}
.intro-bars .bar{animation:barUp .65s cubic-bezier(.3,1.5,.5,1) both}
.intro-bars .b2{animation-delay:.15s}
.intro-bars .b3{animation-delay:.3s}
.intro-logo{position:absolute;inset:0;margin:auto;width:220px;height:auto;opacity:0;transform:scale(.92);animation:introLogo .5s ease 1.15s forwards}
@keyframes introBarsOut{to{opacity:0;transform:scale(.6)}}
@keyframes introLogo{to{opacity:1;transform:none}}
html.intro-on{overflow:hidden}
@media (max-width:900px){.totop{right:14px;bottom:14px;width:50px;height:50px}}
@media (prefers-reduced-motion:reduce){.brand-intro{display:none}.totop .fg polygon{transition:none}}

/* USPs im Startbereich (ersetzt die kleinen Pillen) */
.usps{list-style:none;display:grid;grid-template-columns:repeat(3,auto);gap:14px 28px;justify-content:start;margin-top:6px;padding-top:26px;border-top:1px solid rgba(255,255,255,.14)}
.usps li{display:flex;align-items:center;gap:12px;color:var(--white)}
.usp-ic{flex:none;width:38px;height:38px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;box-shadow:0 6px 16px rgba(237,190,0,.25)}
.usps b{display:block;font-family:var(--head);font-size:18px;line-height:1.2}
.usps small{display:block;font-size:13px;color:rgba(255,255,255,.7);line-height:1.35;max-width:150px}
.reveal .usps li{opacity:0;transform:translateY(10px);transition:opacity .5s ease,transform .5s ease}
.reveal.in .usps li{opacity:1;transform:none}
.reveal.in .usps li:nth-child(2){transition-delay:.12s}
.reveal.in .usps li:nth-child(3){transition-delay:.24s}
@media (max-width:1080px){.usps{grid-template-columns:1fr 1fr 1fr;gap:12px}.usps small{display:none}}
@media (max-width:900px){
  .usps{grid-template-columns:repeat(3,1fr);gap:10px;padding-top:22px}
  .usps li{flex-direction:column;text-align:center;gap:8px;padding:14px 6px;border-radius:14px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}
  .usps b{font-size:16px}
  /* Kein Parallax am Handy – Bild und Rahmen bleiben zusammen */
  .hero .hero-photo img{translate:none}
  .hero-photo{margin-top:34px}
}
@media (prefers-reduced-motion:reduce){.reveal .usps li{opacity:1;transform:none}}
body{overflow-x:clip}
@media (max-width:900px){
  .about-grid>.reveal:first-child,.promise-grid>.reveal:first-child,.contact-grid>.reveal:first-child,
  .about-grid>.reveal:last-child,.promise-grid>.reveal:last-child,.contact-grid>.reveal:last-child{transform:translateY(30px)}
  .about-grid>.reveal.in,.promise-grid>.reveal.in,.contact-grid>.reveal.in{transform:none}
}
@media (max-width:900px){
  .photo-badge{padding:10px 14px;gap:10px;right:12px}
  .photo-badge .bars{width:24px}
  .photo-badge strong{font-size:15px}
  .photo-badge small{font-size:12px}
  .hero .eyebrow .long{display:none}
}

/* =========================================================
   Umbau nach Design-Prüfung
   ========================================================= */
/* USPs ohne Symbol-Kreise: goldener Balken als Marke */
.usps li{display:block;position:relative;padding-top:14px}
.usps li::before{content:"";position:absolute;top:0;left:0;width:28px;height:5px;background:var(--gold);border-radius:2px}
@media (max-width:900px){.usps li{padding:20px 6px 12px;text-align:center}.usps li::before{left:50%;margin-left:-14px;top:10px}}

/* Drei Stufen wie die Logo-Balken */
.stufen{padding-bottom:110px}
.stufen-head{max-width:760px;margin-bottom:56px}
.stufen-head h2{font-size:clamp(32px,4.6vw,54px)}
.stufen-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:end}
.stufe{display:block;text-decoration:none;color:var(--navy);background:var(--gold);clip-path:polygon(0 70px,100% 0,100% 100%,0 100%);transform-origin:50% 100%;transition:background .2s}
.stufe.s1{min-height:400px}
.stufe.s2{min-height:470px}
.stufe.s3{min-height:540px}
.stufe:hover{background:#F5CB1F}
.stufe-body{padding:96px 30px 32px;display:flex;flex-direction:column;height:100%}
.stufe h3{font-size:clamp(26px,2.6vw,34px);color:var(--navy);margin-bottom:10px}
.stufe p{color:var(--navy);font-size:16px;margin-bottom:16px}
.stufe ul{list-style:none;margin-bottom:22px}
.stufe li{padding:4px 0;font-weight:600;font-size:15px}
.stufe .arrow-link::after{color:var(--navy)}
.stufe.reveal{opacity:1;transform:scaleY(0)}
.stufe.reveal .stufe-body{opacity:0;transform:translateY(16px);transition:opacity .5s ease,transform .5s ease;transition-delay:calc(var(--d,0ms) + 550ms)}
.stufe.reveal.in{transform:scaleY(1);transition:transform .9s cubic-bezier(.3,1.25,.5,1);transition-delay:var(--d,0ms)}
.stufe.reveal.in .stufe-body{opacity:1;transform:none}
.fundament{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:var(--navy);color:var(--white);text-decoration:none;padding:26px 30px;margin-top:0}
.fundament b{font-family:var(--head)}
.fundament .arrow-link{color:var(--gold)}
.fundament:hover{background:var(--navy-3)}
.unternehmen-link{margin-top:26px;color:var(--muted)}
.unternehmen-link a{color:var(--navy);font-weight:700;text-decoration-color:var(--gold);text-underline-offset:4px}
@media (max-width:900px){
  .stufen-grid{grid-template-columns:1fr;gap:12px}
  .stufe{clip-path:polygon(0 44px,100% 0,100% 100%,0 100%)}
  .stufe.s1,.stufe.s2,.stufe.s3{min-height:0}
  .stufe-body{padding:66px 22px 26px}
  .stufe.s2{margin-left:14px}.stufe.s3{margin-left:28px}
}

/* Rentenlücken-Rechner */
.rechner{background:var(--navy);color:var(--white)}
.rechner h2{color:var(--white);font-size:clamp(30px,4vw,46px)}
.rechner .lead{color:rgba(255,255,255,.8);margin-bottom:28px}
.rechner-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center}
.calc-row{display:grid;grid-template-columns:1fr auto;gap:6px 16px;align-items:baseline;margin-bottom:22px}
.calc-row span{font-weight:600}
.calc-row output{font-family:var(--head);font-weight:700;font-size:22px;color:var(--gold);font-variant-numeric:tabular-nums}
.calc-row input{grid-column:1/-1;width:100%;accent-color:var(--gold);height:28px;cursor:pointer}
.calc-row small{grid-column:1/-1;color:rgba(255,255,255,.65);font-size:13px;margin-top:-4px}
.calc-result{background:var(--navy-2);padding:34px}
.calc-bars{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;height:220px;align-items:end;margin-bottom:26px}
.cb{display:flex;flex-direction:column;justify-content:flex-end;height:100%;text-align:center}
.cb span{font-size:13px;color:rgba(255,255,255,.75);margin-top:8px}
.cb-bar{clip-path:polygon(0 22px,100% 0,100% 100%,0 100%);min-height:24px;transition:height .45s cubic-bezier(.3,1.2,.5,1)}
.cb-wish{background:rgba(255,255,255,.28)}
.cb-rente{background:#7FA3C4}
.cb-gap{background:var(--gold)}
.calc-gap{font-family:var(--head);font-size:22px;margin-bottom:10px}
.calc-gap strong{color:var(--gold);font-size:30px;font-variant-numeric:tabular-nums}
.calc-result p{color:rgba(255,255,255,.85)}
.calc-result p strong{color:var(--white)}
.calc-result .btn{margin:22px 0 14px}
.calc-note{display:block;color:rgba(255,255,255,.6);font-size:13px}
@media (max-width:900px){.rechner-grid{grid-template-columns:1fr;gap:34px}.calc-result{padding:24px}.calc-bars{height:170px}}

/* Themen als Zeilen statt Kacheln */
.topic-rows{display:grid;gap:8px}
.topic-row{display:grid;grid-template-columns:minmax(220px,1fr) 2fr 40px;gap:24px;align-items:center;padding:24px 28px;background:var(--cream);text-decoration:none;color:var(--ink);transition:background .2s,padding .2s}
.topic-row:hover{background:var(--gold-soft);padding-left:36px}
.tr-title{font-family:var(--head);font-weight:700;font-size:clamp(20px,2vw,26px);color:var(--navy)}
.tr-text{color:var(--ink)}
.tr-arrow{font-size:24px;color:var(--gold-dark);text-align:right}
@media (max-width:700px){.topic-row{grid-template-columns:1fr 30px;gap:6px 12px;padding:18px 18px}.tr-text{grid-column:1;grid-row:2;font-size:15px}.tr-arrow{grid-row:1/3;grid-column:2}}

/* Textpunkte statt Symbol-Kacheln */
.card.point{border:0;background:var(--cream);padding:30px 28px;position:relative}
.card.point::before{content:"";display:block;width:28px;height:5px;background:var(--gold);border-radius:2px;margin-bottom:18px}

/* Kleinigkeiten: keine Großbuchstaben-Labels, keine Schatten auf ruhenden Elementen */
.step .tag{text-transform:none;letter-spacing:0;font-size:14px}
.pager small{text-transform:none;letter-spacing:0;font-size:14px}
.rating-badge,.hero-photo img,.family-photo img,form.contact,.photo-badge{box-shadow:none}
.step.done{box-shadow:none}
.hero h1{hyphens:auto;-webkit-hyphens:auto;overflow-wrap:break-word}
.hero.sub h1{font-size:clamp(34px,5.6vw,68px)}
.hero.sub .lead{max-width:720px}
@media (max-width:600px){.hero.sub h1{font-size:34px}}
html.no-js .stufe.reveal,html.no-js .stufe.reveal .stufe-body{transform:none;opacity:1}
@media (prefers-reduced-motion:reduce){.stufe.reveal{transform:none}.stufe.reveal .stufe-body{opacity:1;transform:none}}
.intro{border-bottom:0;padding-bottom:0}
.usps{border-top:0;padding-top:4px}
/* Navi-Route unter dem Startbereich */
.growth.route{position:relative;background:var(--navy);height:320px;overflow:hidden}
.growth-claim{position:absolute;left:max(16px,calc((100% - 1160px)/2));top:36px;z-index:3;color:var(--white);font-family:var(--head);font-weight:700;font-size:clamp(24px,2.6vw,34px);line-height:1.15}
.route-map{position:absolute;inset:0}
.growth-svg{position:absolute;inset:0;width:100%;height:100%}
.r-plan{fill:none;stroke:rgba(255,255,255,.22);stroke-width:3;stroke-dasharray:2 12;stroke-linecap:round;vector-effect:non-scaling-stroke}
.r-casing{fill:none;stroke:rgba(237,190,0,.25);stroke-width:14;stroke-linecap:round;stroke-linejoin:round;vector-effect:non-scaling-stroke}
.r-line{fill:none;stroke:var(--gold);stroke-width:6;stroke-linecap:round;stroke-linejoin:round;vector-effect:non-scaling-stroke}
.r-stops{list-style:none}
.r-stop{position:absolute;z-index:2;transform:translate(-50%,-50%)}
.r-stop i{display:block;width:18px;height:18px;border-radius:50%;background:var(--navy);border:3px solid rgba(255,255,255,.4);transition:background .3s,border-color .3s,transform .35s cubic-bezier(.3,1.8,.5,1)}
.r-stop span{position:absolute;left:50%;bottom:calc(100% + 10px);transform:translateX(-50%);white-space:nowrap;font-family:var(--head);font-weight:600;font-size:15px;color:rgba(255,255,255,.5);transition:color .3s}
.r-stop.hit i{background:var(--gold);border-color:var(--gold);transform:scale(1.25)}
.r-stop.hit span{color:var(--white)}
.r-goal{position:absolute;z-index:3;width:0;height:0}
.r-pin{position:absolute;width:36px;height:47px;left:-18px;bottom:0;transform-origin:50% 100%;transition:transform .45s cubic-bezier(.3,1.8,.5,1)}
.r-goal-label{position:absolute;right:26px;bottom:14px;white-space:nowrap;font-family:var(--head);font-weight:700;font-size:16px;color:rgba(255,255,255,.6);transition:color .3s}
.route.done .r-pin{transform:scale(1.2)}
.route.done .r-goal-label{color:var(--gold)}
.r-car{position:absolute;z-index:4;width:30px;height:30px;margin:-15px 0 0 -15px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;opacity:0;transition:opacity .4s;box-shadow:0 0 0 6px rgba(237,190,0,.25)}
.r-car svg{width:18px;height:18px}
.route.go .r-car{opacity:1}
.route.done .r-car{opacity:0}
@media (max-width:700px){
  .growth.route{height:auto;padding:28px 0 0}
  .growth-claim{position:static;padding:0 16px;font-size:24px}
  .route-map{position:relative;height:190px;margin-top:6px}
  .r-stop span{display:none}
  .r-stop i{width:14px;height:14px}
  .r-goal-label{display:none}
}

/* Stufen: Dachkanten bilden eine durchgehende Linie
   (alle unten bündig, jede Stufe genau eine Dachhöhe höher als die vorige) */
.stufen-grid{align-items:stretch;grid-auto-rows:minmax(540px,auto)}
.stufe.s1,.stufe.s2,.stufe.s3{min-height:0}
.stufe.s1{margin-top:140px}
.stufe.s2{margin-top:70px}
.stufe.s3{margin-top:0}
@media (max-width:900px){
  .stufen-grid{grid-auto-rows:auto}
  .stufe.s1,.stufe.s2,.stufe.s3{margin-top:0}
}
html{overflow-x:clip}