/* ================================================================
   FINANZ INFO – STYLES.CSS  v6
   Zielgruppe: 50–85 Jahre · Modern-klassisch · WCAG AA+
   Palette: Tiefes Waldgrün + Champagne-Gold + Crème
   Typografie: Merriweather (Headlines) · Source Sans 3 (Text)
   ================================================================ */

/* ── DESIGN TOKENS ─────────────────────────────────────────── */
:root {
  /* ── Haupttöne: Tiefes Waldgrün (Sicherheit · Stabilität · Natur · Vertrauen) */
  --navy-950: #071a0f;
  --navy-900: #0e2a1a;
  --navy-800: #1a3d28;   /* Primärfarbe – tiefes Waldgrün */
  --navy-700: #25562f;
  --navy-600: #2e6b3a;   /* mittleres Grün */
  --navy-500: #3d8a4e;
  --navy-400: #6aaa7a;
  --navy-200: #b0d9bb;
  --navy-100: #d4eeda;
  --navy-50:  #eef7f0;

  /* ── Gold / Champagne (Akzentfarbe, Vertrauen, Wertigkeit) */
  --gold-800: #8a6200;
  --gold-700: #a87800;
  --gold-600: #b8860b;   /* Haupt-Akzent */
  --gold-500: #c99d1a;
  --gold-400: #dab84a;
  --gold-200: #f0d98a;
  --gold-100: #f7ecb8;
  --gold-50:  #fdf8e8;

  /* ── Warme Neutraltöne (Crème statt kalt-grau) */
  --warm-950: #1a1612;
  --warm-900: #2c261e;
  --warm-800: #3d352a;
  --warm-700: #5a4f42;
  --warm-600: #766860;
  --warm-500: #9c8e84;
  --warm-400: #b8afa8;
  --warm-300: #d0c9c3;
  --warm-200: #e4dfda;
  --warm-100: #f0ece8;
  --warm-50:  #f8f5f2;   /* Haupthintergrund */
  --white:    #ffffff;

  /* ── Semantisch */
  --color-primary:       var(--navy-800);
  --color-primary-dark:  var(--navy-900);
  --color-primary-deep:  var(--navy-950);
  --color-primary-mid:   var(--navy-700);
  --color-primary-light: var(--navy-600);
  --color-primary-soft:  var(--navy-100);
  --color-primary-xsoft: var(--navy-50);

  --color-accent:        var(--gold-600);
  --color-accent-dark:   var(--gold-700);
  --color-accent-light:  var(--gold-400);
  --color-accent-soft:   var(--gold-50);
  --color-accent-border: var(--gold-200);

  --color-bg:          #f5f8f5;        /* sehr helles Grün-Crème */
  --color-bg-alt:      #eef3ee;        /* etwas satteres Grün-Crème */
  --color-surface:     var(--white);
  --color-surface-warm: #fafdfb;       /* leicht grünlicher Surface-Ton */

  --color-text:        var(--warm-950);
  --color-text-muted:  var(--warm-700);
  --color-text-light:  var(--warm-500);

  --color-border:        var(--warm-200);
  --color-border-mid:    var(--warm-300);
  --color-border-strong: var(--navy-200);
  --color-border-green:  var(--navy-100);

  --color-success:        #1a6b3a;
  --color-success-bg:     #edfaf3;
  --color-success-border: #86efac;
  --color-error:          #b91c1c;
  --color-error-bg:       #fef2f2;
  --color-warn-bg:        #fdf8e8;
  --color-warn-border:    var(--gold-200);
  --color-warn-text:      var(--gold-800);

  /* ── Radien */
  --r-sm:   8px;
  --r-md:   14px;
  --r-lg:   20px;
  --r-xl:   28px;
  --r-2xl:  36px;
  --r-pill: 9999px;

  /* ── Schatten (warm getönt) */
  --shadow-xs: 0 1px 4px rgba(30,40,60,.06);
  --shadow-sm: 0 2px 10px rgba(30,40,60,.09), 0 1px 3px rgba(30,40,60,.05);
  --shadow-md: 0 6px 24px rgba(30,40,60,.11), 0 2px 6px rgba(30,40,60,.06);
  --shadow-lg: 0 18px 48px rgba(30,40,60,.13), 0 4px 14px rgba(30,40,60,.07);
  --shadow-navy: 0 8px 30px rgba(26,61,40,.30);
  --shadow-gold: 0 6px 22px rgba(184,134,11,.28);
  --shadow-card: 0 4px 20px rgba(30,40,60,.08), 0 1px 4px rgba(30,40,60,.05);

  /* ── Typografie – Senior-optimiert */
  /* Merriweather: klassisch-vertrauensvoll für H1–H3 */
  /* Source Sans 3: modern-klar, sehr gut lesbar für Fließtext */
  --font-head: 'Merriweather', Georgia, 'Times New Roman', serif;
  --font-body: 'Source Sans 3', 'Segoe UI', system-ui, sans-serif;

  --t-xs:   0.875rem;    /* 14px */
  --t-sm:   1rem;        /* 16px */
  --t-base: 1.125rem;    /* 18px  ← Basis für Senioren größer */
  --t-md:   1.25rem;     /* 20px */
  --t-lg:   1.375rem;    /* 22px */
  --t-xl:   1.625rem;    /* 26px */
  --t-2xl:  2rem;        /* 32px */
  --t-3xl:  2.5rem;      /* 40px */
  --t-hero: clamp(2.25rem, 5.5vw, 3.5rem);

  /* ── Layout */
  --max-w:  1160px;
  --py-sec: 96px;
  --ease:   0.22s ease;
  --ease-bounce: cubic-bezier(.34,1.56,.64,1);
}

/* ── RESET ─────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html  { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.78;
  -webkit-font-smoothing: antialiased;
  font-size: var(--t-base);
}

img  { max-width: 100%; height: auto; display: block; }
ul, ol { list-style: none; }
p  { line-height: 1.82; }

h1, h2, h3 {
  font-family: var(--font-head);
  line-height: 1.25;
  font-weight: 700;
  letter-spacing: -.01em;
}
h4, h5, h6 {
  font-family: var(--font-body);
  line-height: 1.3;
  font-weight: 700;
}

a {
  color: var(--color-primary);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color var(--ease);
}
a:hover { color: var(--color-primary-mid); }

[hidden] { display: none !important; }
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* ── CONTAINER ──────────────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: clamp(20px, 5vw, 40px);
}

/* ── UTILITIES ──────────────────────────────────────────────── */
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  font-family: var(--font-body);
  font-size: var(--t-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--color-accent);
  margin-bottom: .875rem;
}
.section-eyebrow::before {
  content: '';
  display: inline-block;
  width: 22px;
  height: 2px;
  background: var(--color-accent);
  border-radius: 2px;
}

.section-header {
  text-align: center;
  margin-bottom: 4rem;
}

.section-title {
  font-size: clamp(var(--t-xl), 3.5vw, var(--t-3xl));
  color: var(--color-primary);
  margin-bottom: .875rem;
}

.section-sub {
  font-size: var(--t-base);
  color: var(--color-text-muted);
  max-width: 620px;
  margin-inline: auto;
  line-height: 1.82;
}

/* Trennlinie mit Gold-Akzent */
.section-divider {
  display: block;
  width: 56px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-600), var(--gold-400));
  border-radius: 3px;
  margin-inline: auto;
  margin-top: 1.25rem;
}

/* ── SKIP LINK (green shadow fix) ──────────────────────────── */
.skip-link {
  position: absolute; left: -9999px; top: 0;
  padding: .75rem 1.5rem;
  background: var(--color-primary); color: #fff;
  font-weight: 700; font-size: var(--t-base);
  z-index: 9999;
  border-radius: 0 0 var(--r-md) 0;
  text-decoration: none;
}
.skip-link:focus { left: 0; }

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .6rem;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: var(--t-base);
  padding: 1rem 2rem;
  border-radius: var(--r-md);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition:
    background var(--ease),
    color var(--ease),
    box-shadow var(--ease),
    transform .18s var(--ease-bounce);
  white-space: nowrap;
  min-height: 58px;
  letter-spacing: .01em;
}

/* Primär – Navy */
.btn-primary {
  background: var(--color-primary);
  color: #fff;
  border-color: var(--color-primary);
  box-shadow: 0 3px 12px rgba(26,61,40,.25);
}
.btn-primary:hover,
.btn-primary:focus-visible {
  background: var(--color-primary-dark);
  border-color: var(--color-primary-dark);
  color: #fff;
  box-shadow: var(--shadow-navy);
  transform: translateY(-2px);
}

/* Gold CTA – für Hero & wichtigste CTAs */
.btn-gold {
  background: linear-gradient(135deg, var(--gold-600), var(--gold-500));
  color: var(--warm-950);
  border-color: transparent;
  font-weight: 800;
  font-size: var(--t-md);
  padding: 1.125rem 2.75rem;
  min-height: 66px;
  box-shadow: var(--shadow-gold);
  border-radius: var(--r-lg);
}
.btn-gold:hover,
.btn-gold:focus-visible {
  background: linear-gradient(135deg, var(--gold-700), var(--gold-600));
  color: var(--warm-950);
  box-shadow: 0 10px 32px rgba(184,134,11,.38);
  transform: translateY(-3px);
}

/* Outline – sekundär */
.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}
.btn-outline:hover {
  background: var(--navy-50);
  box-shadow: var(--shadow-sm);
}

/* Größen */
.btn-sm    { font-size: var(--t-sm);  padding: .65rem 1.375rem; min-height: 46px; }
.btn-lg    { font-size: var(--t-md);  padding: 1.125rem 2.5rem; min-height: 62px; }
.btn-block { width: 100%; }

.btn:focus-visible {
  outline: 3px solid var(--gold-400);
  outline-offset: 3px;
}

/* ── HEADER ─────────────────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--color-border);
  box-shadow: 0 1px 0 var(--color-border), 0 3px 10px rgba(30,40,60,.07);
  backdrop-filter: blur(10px);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: 16px;
  gap: 1rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: .75rem;
  text-decoration: none;
}

/* Logo-Mark: Gold-Ring mit Navy */
.brand-logo-icon {
  width: 38px;
  height: 38px;
  background: var(--navy-800);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-400);
  font-family: var(--font-head);
  font-size: .9rem;
  font-weight: 700;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(26,61,40,.25);
  letter-spacing: -.02em;
  border: 2px solid var(--gold-200);
}

.brand-name {
  font-family: var(--font-head);
  font-size: var(--t-md);
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -.02em;
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.header-nav > a:not(.btn) {
  font-size: var(--t-sm);
  font-weight: 600;
  color: var(--color-text-muted);
  text-decoration: none;
  padding-bottom: 2px;
  border-bottom: 2px solid transparent;
  transition: color var(--ease), border-color var(--ease);
}
.header-nav > a:not(.btn):hover {
  color: var(--color-primary);
  border-bottom-color: var(--color-accent);
}

/* ═══════════════════════════════════════════════════════════════
   HERO
═══════════════════════════════════════════════════════════════ */
.hero {
  position: relative;
  min-height: 640px;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-block: 100px 120px;
}

.hero-bg-image {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 28%;
}

/* Warmer Navy-Gradient – links dunkel für Text, rechts Foto sichtbar */
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    108deg,
    rgba(7,26,15,.95)  0%,
    rgba(14,42,26,.88)  30%,
    rgba(26,61,40,.68)  55%,
    rgba(26,61,40,.25)  78%,
    rgba(26,61,40,.04) 100%
  );
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: 100%;
}

.hero-content { max-width: 680px; }

/* Badge mit Gold-Rand */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  background: rgba(255,255,255,.10);
  border: 1.5px solid rgba(218,184,74,.55);
  color: var(--gold-200);
  font-size: var(--t-sm);
  font-weight: 700;
  padding: .55rem 1.25rem;
  border-radius: var(--r-pill);
  margin-bottom: 1.75rem;
  letter-spacing: .06em;
  backdrop-filter: blur(8px);
}

.badge-dot {
  width: 8px;
  height: 8px;
  background: var(--gold-400);
  border-radius: 50%;
  flex-shrink: 0;
  animation: pulse-dot 2.2s ease-in-out infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .55; transform: scale(1.4); }
}

.hero h1 {
  font-size: var(--t-hero);
  color: #fff;
  margin-bottom: 1.375rem;
  line-height: 1.16;
  font-weight: 700;
  text-shadow: 0 2px 20px rgba(0,0,0,.4);
}

/* Gold-Akzent im Titel */
.hero h1 em {
  font-style: normal;
  color: var(--gold-400);
}

.hero-sub {
  font-size: var(--t-md);
  color: rgba(255,255,255,.88);
  margin-bottom: 2.5rem;
  max-width: 560px;
  line-height: 1.78;
}

.hero-bullets {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 3rem;
}

.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-size: var(--t-base);
  color: rgba(255,255,255,.95);
  font-weight: 500;
}

.bullet-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  background: rgba(218,184,74,.22);
  border: 1.5px solid rgba(218,184,74,.45);
  border-radius: 50%;
  color: var(--gold-300, #e8ca6a);
  font-size: .8rem;
  flex-shrink: 0;
  font-weight: 700;
}

.hero-cta-row {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1.125rem;
}

.hero-disclaimer {
  font-size: var(--t-xs);
  color: rgba(255,255,255,.45);
  padding-top: .25rem;
  font-style: italic;
}

/* ═══════════════════════════════════════════════════════════════
   STATS BAR
═══════════════════════════════════════════════════════════════ */
.stats-bar {
  background: linear-gradient(90deg, var(--navy-950) 0%, var(--navy-900) 50%, var(--navy-800) 100%);
  border-bottom: 3px solid var(--gold-600);
  border-top: 1px solid rgba(255,255,255,.04);
}

.stats-inner {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
}

.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 30px 24px;
  gap: .3rem;
  border-right: 1px solid rgba(255,255,255,.09);
  border-bottom: 1px solid rgba(255,255,255,.09);
  transition: background var(--ease);
}
.stat-item:hover { background: rgba(255,255,255,.04); }
.stat-item:nth-child(2n)        { border-right: none; }
.stat-item:nth-last-child(-n+2) { border-bottom: none; }

.stat-icon {
  font-size: 1.625rem;
  line-height: 1;
  margin-bottom: .25rem;
  opacity: .8;
}

.stat-number {
  font-family: var(--font-head);
  font-size: var(--t-2xl);
  font-weight: 700;
  color: var(--gold-300, #e8ca6a);
  line-height: 1;
  letter-spacing: -.01em;
}

.stat-label {
  font-size: var(--t-xs);
  color: rgba(255,255,255,.65);
  font-weight: 500;
  line-height: 1.4;
  max-width: 110px;
}

/* ═══════════════════════════════════════════════════════════════
   INTRO SECTION
═══════════════════════════════════════════════════════════════ */
.intro-section {
  padding-block: var(--py-sec);
  background: var(--color-surface);
}

.intro-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3.5rem;
  align-items: center;
}

/* Dekorativer Rahmen hinter dem Bild */
.intro-image-wrap {
  position: relative;
  padding: 14px 0 0 14px;
}

.intro-image-wrap::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 14px;
  bottom: 14px;
  background: var(--navy-50);
  border: 2px solid var(--navy-100);
  border-radius: var(--r-xl);
  z-index: 0;
}

/* Gold-Eckornament */
.intro-image-wrap::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--gold-200), var(--gold-100));
  border-radius: var(--r-md);
  z-index: 0;
  opacity: .7;
}

.intro-image {
  position: relative;
  z-index: 1;
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.intro-image img {
  width: 100%;
  height: 440px;
  object-fit: cover;
  object-position: center 25%;
  display: block;
  transition: transform .6s ease;
}
.intro-image:hover img { transform: scale(1.04); }

/* Inhaltsspalte */
.intro-content h2 {
  font-size: clamp(var(--t-xl), 3vw, var(--t-3xl));
  color: var(--color-primary);
  margin-bottom: 1.125rem;
  margin-top: .25rem;
}

.intro-content > p {
  font-size: var(--t-base);
  color: var(--color-text-muted);
  margin-bottom: 1rem;
  line-height: 1.82;
}

.intro-list {
  display: flex;
  flex-direction: column;
  gap: .875rem;
  margin-block: 1.75rem 2.5rem;
}

.intro-list li {
  display: flex;
  align-items: center;
  gap: 1.125rem;
  font-size: var(--t-base);
  color: var(--color-text);
  background: var(--color-surface-warm);
  border: 1.5px solid var(--warm-200);
  border-left: 4px solid var(--color-accent);
  border-radius: var(--r-lg);
  padding: 1rem 1.25rem;
  transition: border-color var(--ease), box-shadow var(--ease), transform .18s ease;
  font-weight: 500;
}
.intro-list li:hover {
  border-left-color: var(--gold-700);
  box-shadow: var(--shadow-sm);
  transform: translateX(4px);
}

.intro-list li .list-icon {
  font-size: 1.4rem;
  flex-shrink: 0;
  line-height: 1;
  width: 44px;
  height: 44px;
  background: var(--gold-50);
  border: 1.5px solid var(--gold-200);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

/* ═══════════════════════════════════════════════════════════════
   STEPS SECTION
═══════════════════════════════════════════════════════════════ */
.steps-section {
  padding-block: var(--py-sec);
  background: var(--color-bg-alt);
  position: relative;
}

/* Dezente Hintergrundtextur */
.steps-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, rgba(184,134,11,.05) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(26,61,40,.06) 0%, transparent 50%);
  pointer-events: none;
}

.steps-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.75rem;
  position: relative;
}

.step-item {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--r-2xl);
  padding: 2.75rem 2.25rem 2.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 1.375rem;
  box-shadow: var(--shadow-card);
  transition: box-shadow .25s ease, transform .25s ease;
  position: relative;
  overflow: hidden;
}

/* Gold-Akzentbalken oben */
.step-item::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--gold-600), var(--gold-400));
  border-radius: 5px 5px 0 0;
}

.step-item:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}

.step-number-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1rem;
}

.step-number {
  width: 72px;
  height: 72px;
  background: linear-gradient(145deg, var(--navy-800), var(--navy-700));
  color: var(--gold-300, #e8ca6a);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-size: var(--t-2xl);
  font-weight: 700;
  box-shadow: 0 4px 20px rgba(26,61,40,.38);
  flex-shrink: 0;
  border: 3px solid var(--gold-200);
  position: relative;
  z-index: 1;
}

.step-emoji-bg {
  width: 64px;
  height: 64px;
  background: var(--gold-50);
  border: 2px solid var(--gold-200);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.875rem;
}

.step-content h3 {
  font-family: var(--font-head);
  font-size: var(--t-lg);
  color: var(--color-primary);
  margin-bottom: .5rem;
}

.step-content p {
  font-size: var(--t-base);
  color: var(--color-text-muted);
  line-height: 1.75;
  max-width: 26ch;
  margin-inline: auto;
}

/* Verbindungslinie (Desktop) */
.step-connector { display: none; }

/* ═══════════════════════════════════════════════════════════════
   LIFESTYLE BANNER
═══════════════════════════════════════════════════════════════ */
.lifestyle-banner {
  position: relative;
  height: 440px;
  overflow: hidden;
  display: flex;
  align-items: center;
}

.lifestyle-banner-image {
  position: absolute;
  inset: 0;
}

.lifestyle-banner-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 38%;
  transition: transform 9s ease-out;
}
.lifestyle-banner:hover .lifestyle-banner-image img { transform: scale(1.04); }

/* Warmer dunkler Gradient */
.lifestyle-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    108deg,
    rgba(7,26,15,.88)  0%,
    rgba(14,42,26,.72)  40%,
    rgba(26,61,40,.44)  70%,
    rgba(26,61,40,.15) 100%
  );
}

.lifestyle-content {
  position: relative;
  z-index: 1;
  padding-inline: clamp(20px, 5vw, 40px);
  max-width: var(--max-w);
  margin-inline: auto;
}

.lifestyle-quote {
  max-width: 660px;
  padding-left: 2.25rem;
  border-left: 5px solid var(--gold-500);
}

.lifestyle-quote p {
  font-family: var(--font-head);
  font-size: clamp(var(--t-lg), 2.5vw, var(--t-2xl));
  font-weight: 700;
  color: #fff;
  font-style: italic;
  line-height: 1.5;
  text-shadow: 0 2px 14px rgba(0,0,0,.35);
  margin-bottom: 1rem;
}

.lifestyle-quote-author {
  font-size: var(--t-sm);
  color: var(--gold-200);
  font-style: normal;
  font-weight: 600;
  letter-spacing: .04em;
}

/* ═══════════════════════════════════════════════════════════════
   TRUST / WHY SECTION
═══════════════════════════════════════════════════════════════ */
.trust-section {
  padding-block: var(--py-sec);
  background: var(--color-surface);
}

.trust-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-bottom: 5.5rem;
}

.trust-card {
  background: var(--color-surface-warm);
  border: 1.5px solid var(--color-border);
  border-radius: var(--r-xl);
  padding: 2.5rem 2.25rem;
  box-shadow: var(--shadow-card);
  transition: box-shadow .25s ease, transform .25s ease, border-color var(--ease);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  position: relative;
  overflow: hidden;
}

/* Gold-Top-Akzent erscheint beim Hover */
.trust-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-600), var(--gold-400));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}

.trust-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-200);
  transform: translateY(-5px);
}
.trust-card:hover::before { transform: scaleX(1); }

.trust-card-icon-wrap {
  width: 64px;
  height: 64px;
  background: var(--gold-50);
  border: 2px solid var(--gold-200);
  border-radius: var(--r-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  transition: background var(--ease);
}
.trust-card:hover .trust-card-icon-wrap {
  background: var(--gold-100);
}

.trust-card h3 {
  font-family: var(--font-head);
  font-size: var(--t-lg);
  color: var(--color-primary);
}

.trust-card p {
  font-size: var(--t-base);
  color: var(--color-text-muted);
  line-height: 1.78;
}

/* ── TESTIMONIALS ───────────────────────────────────────────── */
.testimonials-section {
  display: grid;
  grid-template-columns: 1fr;
  gap: 4rem;
  align-items: center;
  border-top: 1px solid var(--color-border);
  padding-top: 4.5rem;
}

.testimonials-image-wrap {
  position: relative;
}

/* Goldenes Dekor-Rechteck */
.testimonials-image-wrap::after {
  content: '';
  position: absolute;
  bottom: -16px;
  right: -16px;
  width: 55%;
  height: 55%;
  background: var(--gold-50);
  border: 2px solid var(--gold-200);
  border-radius: var(--r-xl);
  z-index: 0;
}

.testimonials-image {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
  z-index: 1;
}

.testimonials-image img {
  width: 100%;
  height: 390px;
  object-fit: cover;
  object-position: center 18%;
  display: block;
  transition: transform .6s ease;
}
.testimonials-image:hover img { transform: scale(1.04); }

.testimonials-header { margin-bottom: 2rem; }

.testimonials-label {
  font-family: var(--font-head);
  font-size: var(--t-xl);
  color: var(--color-primary);
  margin-bottom: .25rem;
}

.testimonial-note {
  font-size: var(--t-xs);
  font-weight: 400;
  color: var(--warm-400);
}

.testimonials-list {
  display: flex;
  flex-direction: column;
  gap: 1.375rem;
}

.testimonial-card {
  background: var(--navy-50);
  border: 1.5px solid var(--navy-100);
  border-left: 4px solid var(--gold-600);
  border-radius: var(--r-lg);
  padding: 1.75rem 2rem 1.625rem;
  position: relative;
  transition: box-shadow var(--ease), transform .18s ease;
}
.testimonial-card:hover {
  box-shadow: var(--shadow-sm);
  transform: translateX(4px);
}

/* Anführungszeichen-Deko */
.testimonial-card::before {
  content: '\201E';
  position: absolute;
  top: -.5rem;
  left: 1.25rem;
  font-size: 5rem;
  line-height: 1;
  color: var(--navy-100);
  font-family: Georgia, serif;
  pointer-events: none;
}

.testimonial-stars {
  color: var(--gold-600);
  font-size: var(--t-md);
  margin-bottom: .875rem;
  letter-spacing: .1em;
}

.testimonial-card p {
  font-size: var(--t-base);
  color: var(--warm-900);
  font-style: italic;
  margin-bottom: .875rem;
  line-height: 1.72;
  position: relative;
  z-index: 1;
}

.testimonial-card footer {
  font-size: var(--t-sm);
  color: var(--color-text-muted);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: .5rem;
}
.testimonial-card footer::before {
  content: '—';
  color: var(--gold-500);
  font-style: normal;
}

/* ═══════════════════════════════════════════════════════════════
   FAQ
═══════════════════════════════════════════════════════════════ */
.faq-section {
  padding-block: var(--py-sec);
  background: var(--color-bg-alt);
}

.faq-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 4rem;
  align-items: start;
}

.faq-intro .section-title { text-align: left; }
.faq-intro .section-sub   { margin-inline: 0; text-align: left; }

.faq-deco-img {
  display: none;
  margin-top: 3rem;
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-md);
  max-width: 220px;
  border: 3px solid var(--gold-200);
}
.faq-cta { display: none; margin-top: 2.5rem; }

.faq-list {
  display: flex;
  flex-direction: column;
  gap: .875rem;
}

.faq-item {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: box-shadow var(--ease), border-color var(--ease);
}
.faq-item:hover {
  box-shadow: var(--shadow-sm);
  border-color: var(--gold-200);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.5rem 1.75rem;
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: var(--t-base);
  font-weight: 700;
  color: var(--color-text);
  cursor: pointer;
  text-align: left;
  transition: background var(--ease), color var(--ease);
  min-height: 72px;
}
.faq-question:hover { background: var(--gold-50); color: var(--color-primary); }
.faq-question[aria-expanded="true"] {
  background: var(--navy-50);
  color: var(--color-primary);
  border-bottom: 1.5px solid var(--navy-100);
}

.faq-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid var(--color-accent);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 400;
  transition: background var(--ease), color var(--ease), transform .22s ease;
}
.faq-icon::before { content: '+'; }

.faq-question[aria-expanded="true"] .faq-icon {
  background: var(--color-accent);
  color: #fff;
  transform: rotate(45deg);
}
.faq-question[aria-expanded="true"] .faq-icon::before { content: '+'; }

.faq-answer {
  padding: 1.375rem 1.75rem 1.875rem;
  font-size: var(--t-base);
  color: var(--color-text-muted);
  line-height: 1.82;
}
.faq-answer p  { margin-bottom: 0; }
.faq-answer a  { color: var(--color-primary); font-weight: 600; }

/* ═══════════════════════════════════════════════════════════════
   FORM SECTION
═══════════════════════════════════════════════════════════════ */
.form-section {
  padding-block: var(--py-sec);
  background: linear-gradient(158deg, var(--navy-50) 0%, #edf4ed 40%, var(--color-surface) 70%);
}

.form-wrapper {
  display: grid;
  grid-template-columns: 1fr;
  gap: 4rem;
  max-width: 1080px;
  margin-inline: auto;
}

/* Linke Info-Spalte */
.form-intro h2 {
  font-size: clamp(var(--t-xl), 3vw, var(--t-2xl));
  color: var(--color-primary);
  margin-bottom: 1rem;
  margin-top: .25rem;
}

.form-intro > p {
  font-size: var(--t-base);
  color: var(--color-text-muted);
  margin-bottom: 2rem;
  line-height: 1.82;
}

.form-bullets {
  display: flex;
  flex-direction: column;
  gap: .875rem;
  margin-bottom: 2.5rem;
}

.form-bullets li {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-size: var(--t-base);
  color: var(--color-text-muted);
  font-weight: 500;
}

.form-bullets li .fb-check {
  width: 26px;
  height: 26px;
  min-width: 26px;
  background: var(--color-success);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .85rem;
  font-weight: 700;
  flex-shrink: 0;
}

.form-side-image {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 3px solid var(--gold-200);
}
.form-side-image img {
  width: 100%;
  height: 250px;
  object-fit: cover;
  object-position: center 30%;
  display: block;
  transition: transform .6s ease;
}
.form-side-image:hover img { transform: scale(1.04); }

/* ── FORM CARD ──────────────────────────────────────────────── */
.lead-form {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-top: 5px solid var(--gold-600);
  border-radius: var(--r-2xl);
  padding: 3rem;
  box-shadow: var(--shadow-lg);
}

.form-section-title {
  font-family: var(--font-body);
  font-size: var(--t-sm);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--color-primary);
  margin-bottom: 1.5rem;
  padding-bottom: .875rem;
  border-bottom: 2px solid var(--warm-100);
  display: flex;
  align-items: center;
  gap: .75rem;
}
.form-section-title::before {
  content: '';
  display: inline-block;
  width: 4px;
  height: 18px;
  background: var(--color-accent);
  border-radius: 2px;
}

.form-row { margin-bottom: 1.375rem; }

.form-row-2col {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.375rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: .55rem;
  margin-bottom: 1.375rem;
}
.form-group:last-child { margin-bottom: 0; }

label {
  font-size: var(--t-sm);
  font-weight: 700;
  color: var(--color-text);
  display: flex;
  align-items: center;
  gap: .45rem;
  flex-wrap: wrap;
}

.required  { color: var(--color-error); font-weight: 800; }
.optional  { font-size: var(--t-xs); font-weight: 400; color: var(--warm-400); }
.field-hint { font-size: var(--t-xs); font-weight: 400; color: var(--warm-400); }

/* Eingabefelder */
input[type="text"],
input[type="email"],
input[type="tel"],
select,
textarea {
  font-family: var(--font-body);
  font-size: var(--t-base);
  color: var(--color-text);
  background: var(--color-surface-warm);
  border: 1.5px solid var(--warm-300);
  border-radius: var(--r-md);
  padding: 1rem 1.125rem;
  width: 100%;
  transition: border-color var(--ease), box-shadow var(--ease), background var(--ease);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
  min-height: 58px;
  line-height: 1.5;
}

input:hover:not(:focus),
select:hover:not(:focus),
textarea:hover:not(:focus) {
  border-color: var(--navy-400);
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%231a3d28' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1.125rem center;
  padding-right: 3.5rem;
  cursor: pointer;
  background-color: var(--color-surface-warm);
}

input:focus, select:focus, textarea:focus {
  border-color: var(--navy-700);
  box-shadow: 0 0 0 4px rgba(26,61,40,.12);
  background: #f4fbf6;
}

input.invalid, select.invalid, textarea.invalid {
  border-color: var(--color-error);
  box-shadow: 0 0 0 3px rgba(185,28,28,.10);
  background: var(--color-error-bg);
}

input.valid {
  border-color: var(--color-success);
  background: var(--color-success-bg);
}

textarea { resize: vertical; min-height: 114px; line-height: 1.7; }

/* Checkboxen */
.form-checkbox { margin-bottom: 1rem; }

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 1.125rem;
  cursor: pointer;
  font-size: var(--t-base);
  font-weight: 400;
  color: var(--color-text-muted);
  line-height: 1.72;
  padding: 1.125rem 1.25rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--r-md);
  transition: border-color var(--ease), background var(--ease);
  background: var(--color-surface-warm);
}
.checkbox-label:hover {
  border-color: var(--navy-400);
  background: var(--navy-50);
}

.checkbox-label input[type="checkbox"] {
  width: 24px;
  height: 24px;
  min-width: 24px;
  accent-color: var(--color-primary);
  margin-top: 2px;
  cursor: pointer;
  flex-shrink: 0;
}

.required-checkbox .checkbox-label {
  color: var(--color-text);
  background: #fff;
  border-color: var(--warm-300);
}

.field-error {
  font-size: var(--t-sm);
  color: var(--color-error);
  font-weight: 600;
  min-height: 1.2em;
  display: block;
  padding-left: .25rem;
}

/* Submit */
.form-submit-area { margin-top: 2.5rem; }

#submit-btn {
  min-height: 68px;
  font-size: var(--t-md);
  font-weight: 800;
  letter-spacing: .015em;
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-navy);
}

.submit-note {
  margin-top: 1.25rem;
  font-size: var(--t-sm);
  color: var(--color-text-muted);
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
}

.submit-disclaimer {
  margin-top: .625rem;
  font-size: var(--t-xs);
  color: var(--warm-400);
  text-align: center;
  line-height: 1.6;
  font-style: italic;
}

.form-error-summary {
  margin-top: 1.75rem;
  background: var(--color-error-bg);
  border: 1.5px solid #fca5a5;
  border-radius: var(--r-md);
  padding: 1.375rem 1.625rem;
  font-size: var(--t-base);
  color: var(--color-error);
}
.form-error-summary ul {
  list-style: disc inside;
  margin-top: .5rem;
  display: flex;
  flex-direction: column;
  gap: .4rem;
}

/* Success State */
.form-success {
  background: var(--color-success-bg);
  border: 2px solid var(--color-success-border);
  border-top: 5px solid var(--color-success);
  border-radius: var(--r-2xl);
  padding: 4.5rem 2.5rem;
  text-align: center;
  box-shadow: var(--shadow-md);
}

.success-icon {
  width: 90px;
  height: 90px;
  background: var(--color-success);
  color: #fff;
  font-size: 2.75rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 2.25rem;
  box-shadow: 0 6px 26px rgba(26,107,58,.28);
}

.form-success h2 {
  font-family: var(--font-head);
  font-size: var(--t-2xl);
  color: var(--color-success);
  margin-bottom: 1.125rem;
}

.form-success p {
  font-size: var(--t-base);
  color: var(--color-text-muted);
  margin-bottom: 1rem;
  max-width: 500px;
  margin-inline: auto;
  line-height: 1.82;
}

.success-disclaimer {
  margin-top: 2.25rem;
  font-size: var(--t-sm);
  color: var(--warm-400);
  font-style: italic;
}

/* ═══════════════════════════════════════════════════════════════
   DISCLAIMER
═══════════════════════════════════════════════════════════════ */
.disclaimer-section {
  padding-block: 3rem;
  background: var(--color-warn-bg);
  border-top: 2px solid var(--color-warn-border);
  border-bottom: 2px solid var(--color-warn-border);
}

.disclaimer-box {
  max-width: 940px;
  margin-inline: auto;
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
}

.disc-icon {
  font-size: 1.375rem;
  color: var(--gold-700);
  flex-shrink: 0;
  margin-top: .05rem;
  line-height: 1;
}

.disclaimer-box p {
  font-size: var(--t-sm);
  color: var(--color-warn-text);
  line-height: 1.78;
}

/* ═══════════════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════════════ */
.site-footer {
  background: linear-gradient(160deg, var(--navy-950) 0%, var(--navy-900) 60%, var(--navy-800) 100%);
  color: rgba(255,255,255,.78);
  padding-top: 5rem;
  padding-bottom: 2.5rem;
  border-top: 4px solid var(--gold-600);
}

.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,.10);
  margin-bottom: 1.75rem;
}

.footer-brand .brand-name {
  font-family: var(--font-head);
  font-size: var(--t-xl);
  font-weight: 700;
  color: #fff;
  display: block;
  margin-bottom: .625rem;
}

.footer-tagline {
  font-size: var(--t-sm);
  color: rgba(255,255,255,.52);
  line-height: 1.68;
  max-width: 300px;
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  align-items: center;
}

.footer-nav a {
  font-size: var(--t-base);
  color: rgba(255,255,255,.72);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color var(--ease);
}
.footer-nav a:hover { color: var(--gold-300, #e8ca6a); }

.footer-disclaimer {
  font-size: var(--t-xs);
  color: rgba(255,255,255,.38);
  line-height: 1.68;
}

/* ═══════════════════════════════════════════════════════════════
   LEGAL PAGES
═══════════════════════════════════════════════════════════════ */
.legal-page {
  max-width: 860px;
  margin: 3.5rem auto;
  padding-inline: clamp(20px, 5vw, 40px);
  padding-bottom: 5rem;
}

.legal-page h1 {
  font-family: var(--font-head);
  font-size: var(--t-3xl);
  color: var(--color-primary);
  margin-bottom: .625rem;
}

.legal-page .legal-meta {
  font-size: var(--t-sm);
  color: var(--warm-400);
  margin-bottom: 3rem;
  padding-bottom: 1.375rem;
  border-bottom: 2px solid var(--color-border);
}

.legal-page h2 {
  font-family: var(--font-head);
  font-size: var(--t-xl);
  color: var(--color-primary);
  margin-top: 2.75rem;
  margin-bottom: .875rem;
}

.legal-page p, .legal-page li {
  font-size: var(--t-base);
  color: var(--color-text-muted);
  line-height: 1.82;
  margin-bottom: .75rem;
}

.legal-page ul, .legal-page ol {
  list-style: disc inside;
  padding-left: .75rem;
  margin-bottom: 1.375rem;
}

.legal-page a { color: var(--color-primary); font-weight: 600; }

.legal-back-link {
  display: inline-flex;
  align-items: center;
  gap: .625rem;
  font-size: var(--t-base);
  font-weight: 700;
  color: var(--color-primary);
  text-decoration: none;
  margin-bottom: 2.5rem;
  padding: .875rem 1.5rem;
  border: 2px solid var(--color-primary);
  border-radius: var(--r-md);
  transition: background var(--ease), color var(--ease);
}
.legal-back-link:hover {
  background: var(--color-primary);
  color: #fff;
}

/* ═══════════════════════════════════════════════════════════════
   TABLET  ≥ 640px
═══════════════════════════════════════════════════════════════ */
@media (min-width: 640px) {

  .stats-inner { grid-template-columns: repeat(4, 1fr); }
  .stat-item { border-bottom: none; }
  .stat-item:nth-child(2n)  { border-right: 1px solid rgba(255,255,255,.09); }
  .stat-item:last-child     { border-right: none; }

  .steps-list {
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    align-items: stretch;
  }

  .form-row-2col { grid-template-columns: 1fr 1fr; }
  .trust-grid    { grid-template-columns: repeat(2, 1fr); }
  .footer-inner  { flex-direction: row; justify-content: space-between; align-items: flex-start; }

  .hero-cta-row { flex-direction: row; align-items: center; }
}

/* ═══════════════════════════════════════════════════════════════
   DESKTOP  ≥ 960px
═══════════════════════════════════════════════════════════════ */
@media (min-width: 960px) {

  /* Step-Verbindungslinie */
  .steps-list::after {
    content: '';
    position: absolute;
    top: 68px;
    left: calc(16.66% + 36px);
    right: calc(16.66% + 36px);
    height: 2px;
    background: linear-gradient(90deg, var(--gold-600) 0%, var(--gold-400) 100%);
    z-index: 0;
    pointer-events: none;
    opacity: .55;
  }

  .intro-inner {
    grid-template-columns: 1fr 1fr;
    gap: 6rem;
  }

  .trust-grid { grid-template-columns: repeat(4, 1fr); }

  .testimonials-section {
    grid-template-columns: 1fr 1.7fr;
    gap: 5rem;
  }

  .faq-layout  { grid-template-columns: 290px 1fr; gap: 5.5rem; }
  .faq-deco-img { display: block; }
  .faq-cta      { display: block; }

  .form-wrapper {
    grid-template-columns: 1fr 1.9fr;
    align-items: start;
    gap: 5rem;
  }
  .form-side-image img { height: 310px; }
}

/* ═══════════════════════════════════════════════════════════════
   REDUCED MOTION
═══════════════════════════════════════════════════════════════ */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
}