/* ============================================================
   WABU Finanz GmbH - Hauptstylesheet
   Farben: Navy Blue #1a2e4a, Gold #c9a84c, White #ffffff
   ============================================================ */

/* ---- CSS Custom Properties ---- */
:root {
    --navy:        #1a2e4a;
    --navy-dark:   #0f1e33;
    --navy-light:  #243d5e;
    --gold:        #c9a84c;
    --gold-light:  #e2c06a;
    --gold-dark:   #a8872e;
    --white:       #ffffff;
    --off-white:   #f8f9fb;
    --light-gray:  #eef0f4;
    --mid-gray:    #8a94a6;
    --dark-gray:   #3d4a5c;
    --text-dark:   #1a2332;
    --text-body:   #4a5568;
    --shadow-sm:   0 2px 8px rgba(26,46,74,0.08);
    --shadow-md:   0 8px 32px rgba(26,46,74,0.12);
    --shadow-lg:   0 16px 64px rgba(26,46,74,0.16);
    --radius-sm:   4px;
    --radius-md:   8px;
    --radius-lg:   16px;
    --transition:  0.3s ease;
    --font-serif:  'Playfair Display', Georgia, serif;
    --font-sans:   'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    font-family: var(--font-sans);
    color: var(--text-body);
    background: var(--white);
    line-height: 1.7;
    overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
ul { list-style: none; }

/* ---- Container ---- */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ============================================================
   TOP BAR
   ============================================================ */
.top-bar {
    background: var(--navy-dark);
    color: rgba(255,255,255,0.75);
    font-size: 0.82rem;
    padding: 8px 0;
    border-bottom: 1px solid rgba(201,168,76,0.2);
}
.top-bar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
}
.top-bar-left, .top-bar-right {
    display: flex;
    align-items: center;
    gap: 20px;
    flex-wrap: wrap;
}
.top-bar span { display: flex; align-items: center; gap: 6px; }
.top-bar i { color: var(--gold); font-size: 0.75rem; }
.top-bar a { color: rgba(255,255,255,0.75); }
.top-bar a:hover { color: var(--gold); }
.top-bar-uid { 
    font-size: 0.75rem; 
    color: rgba(255,255,255,0.5);
    border-left: 1px solid rgba(255,255,255,0.15);
    padding-left: 16px;
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.navbar {
    background: var(--white);
    box-shadow: var(--shadow-sm);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: background var(--transition), box-shadow var(--transition);
}
.navbar.scrolled {
    background: rgba(255,255,255,0.97);
    box-shadow: var(--shadow-md);
    backdrop-filter: blur(12px);
}
.navbar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
    gap: 24px;
}
.navbar-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    flex-shrink: 0;
}
.navbar-logo { width: 52px; height: 52px; object-fit: contain; }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name {
    font-family: var(--font-serif);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.02em;
}
.brand-sub {
    font-size: 0.72rem;
    font-weight: 600;
    color: var(--gold);
    letter-spacing: 0.12em;
    text-transform: uppercase;
}
.navbar-menu {
    display: flex;
    align-items: center;
    gap: 4px;
    flex: 1;
    justify-content: center;
}
.navbar-menu > li { position: relative; }
.navbar-menu > li > a {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 10px 14px;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--text-dark);
    border-radius: var(--radius-sm);
    transition: all var(--transition);
    white-space: nowrap;
}
.navbar-menu > li > a:hover,
.navbar-menu > li > a.active {
    color: var(--navy);
    background: var(--light-gray);
}
.navbar-menu > li > a.active { color: var(--gold); }
.navbar-menu > li > a i { font-size: 0.65rem; transition: transform var(--transition); }
.navbar-menu > li:hover > a i { transform: rotate(180deg); }

/* Dropdown */
.dropdown-menu {
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    min-width: 220px;
    padding: 8px 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: all var(--transition);
    border-top: 3px solid var(--gold);
    z-index: 100;
}
.has-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.dropdown-menu li a {
    display: block;
    padding: 10px 20px;
    font-size: 0.875rem;
    color: var(--text-dark);
    transition: all var(--transition);
}
.dropdown-menu li a:hover {
    background: var(--off-white);
    color: var(--gold);
    padding-left: 28px;
}

/* CTA Nav Button */
.btn-cta-nav {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--gold);
    color: var(--navy-dark) !important;
    padding: 10px 20px;
    border-radius: var(--radius-sm);
    font-size: 0.875rem;
    font-weight: 600;
    white-space: nowrap;
    transition: all var(--transition);
    flex-shrink: 0;
}
.btn-cta-nav:hover {
    background: var(--gold-dark);
    color: var(--white) !important;
    transform: translateY(-1px);
    box-shadow: 0 4px 16px rgba(201,168,76,0.4);
}

/* Hamburger */
.navbar-toggler {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    border-radius: var(--radius-sm);
}
.navbar-toggler span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--navy);
    transition: all var(--transition);
    border-radius: 2px;
}
.navbar-toggler.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.navbar-toggler.open span:nth-child(2) { opacity: 0; }
.navbar-toggler.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
    position: relative;
    min-height: 92vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: var(--navy-dark);
}
.hero-bg {
    position: absolute;
    inset: 0;
    background-image: url('../images/hero_banner.jpg');
    background-size: cover;
    background-position: center;
    opacity: 0.35;
    transform: scale(1.02);
    transition: transform 8s ease;
}
.hero.loaded .hero-bg { transform: scale(1); }
.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        135deg,
        rgba(10,20,40,0.85) 0%,
        rgba(26,46,74,0.7) 50%,
        rgba(10,20,40,0.6) 100%
    );
}
.hero-content {
    position: relative;
    z-index: 2;
    max-width: 720px;
}
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(201,168,76,0.15);
    border: 1px solid rgba(201,168,76,0.4);
    color: var(--gold-light);
    padding: 6px 16px;
    border-radius: 100px;
    font-size: 0.8rem;
    font-weight: 500;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 24px;
}
.hero-title {
    font-family: var(--font-serif);
    font-size: clamp(2.2rem, 5vw, 3.8rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 24px;
}
.hero-title .highlight {
    color: var(--gold);
    display: block;
}
.hero-subtitle {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.8);
    margin-bottom: 40px;
    max-width: 560px;
    line-height: 1.8;
}
.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 56px;
}
.hero-stats {
    display: flex;
    gap: 40px;
    padding-top: 40px;
    border-top: 1px solid rgba(255,255,255,0.15);
    flex-wrap: wrap;
}
.hero-stat-item { text-align: center; }
.hero-stat-number {
    font-family: var(--font-serif);
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
    display: block;
}
.hero-stat-label {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.6);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-top: 4px;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    font-weight: 600;
    cursor: pointer;
    border: 2px solid transparent;
    transition: all var(--transition);
    text-decoration: none;
    white-space: nowrap;
}
.btn-primary {
    background: var(--gold);
    color: var(--navy-dark);
    border-color: var(--gold);
}
.btn-primary:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(201,168,76,0.35);
}
.btn-outline {
    background: transparent;
    color: var(--white);
    border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover {
    background: rgba(255,255,255,0.1);
    border-color: var(--white);
    color: var(--white);
}
.btn-navy {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}
.btn-navy:hover {
    background: var(--navy-dark);
    border-color: var(--navy-dark);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}
.btn-outline-navy {
    background: transparent;
    color: var(--navy);
    border-color: var(--navy);
}
.btn-outline-navy:hover {
    background: var(--navy);
    color: var(--white);
}
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 8px 18px; font-size: 0.82rem; }

/* ============================================================
   SECTION STYLES
   ============================================================ */
section { padding: 96px 0; }
.section-alt { background: var(--off-white); }
.section-dark { background: var(--navy); color: var(--white); }
.section-navy-dark { background: var(--navy-dark); color: var(--white); }

.section-header { text-align: center; margin-bottom: 64px; }
.section-header.left { text-align: left; }
.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: 12px;
}
.section-label::before {
    content: '';
    display: block;
    width: 24px;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
}
.section-title {
    font-family: var(--font-serif);
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    font-weight: 700;
    color: var(--text-dark);
    line-height: 1.2;
    margin-bottom: 16px;
}
.section-dark .section-title,
.section-navy-dark .section-title { color: var(--white); }
.section-subtitle {
    font-size: 1.05rem;
    color: var(--text-body);
    max-width: 600px;
    margin: 0 auto;
    line-height: 1.8;
}
.section-header.left .section-subtitle { margin: 0; }
.section-dark .section-subtitle { color: rgba(255,255,255,0.7); }
.section-divider {
    width: 60px;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    margin: 20px auto 0;
    border-radius: 2px;
}
.section-header.left .section-divider { margin: 20px 0 0; }

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
    background: var(--navy);
    padding: 24px 0;
    border-top: 3px solid var(--gold);
}
.trust-bar .container {
    display: flex;
    justify-content: space-around;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--white);
}
.trust-item i {
    font-size: 1.5rem;
    color: var(--gold);
}
.trust-item-text strong {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
}
.trust-item-text span {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.6);
}

/* ============================================================
   SERVICES GRID
   ============================================================ */
.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 28px;
}
.service-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
    border: 1px solid var(--light-gray);
    position: relative;
}
.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
}
.service-card-image {
    height: 200px;
    overflow: hidden;
    position: relative;
}
.service-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}
.service-card:hover .service-card-image img { transform: scale(1.05); }
.service-card-icon {
    position: absolute;
    bottom: -20px;
    left: 24px;
    width: 48px;
    height: 48px;
    background: var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy-dark);
    font-size: 1.1rem;
    box-shadow: 0 4px 16px rgba(201,168,76,0.4);
    z-index: 1;
}
.service-card-body {
    padding: 36px 24px 28px;
}
.service-card-title {
    font-family: var(--font-serif);
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}
.service-card-subtitle {
    font-size: 0.82rem;
    color: var(--gold);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-bottom: 12px;
}
.service-card-desc {
    font-size: 0.9rem;
    color: var(--text-body);
    line-height: 1.7;
    margin-bottom: 20px;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}
.service-card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--navy);
    transition: all var(--transition);
}
.service-card-link:hover { color: var(--gold); gap: 10px; }

/* ============================================================
   ABOUT SECTION
   ============================================================ */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}
.about-image-wrapper {
    position: relative;
}
.about-image-main {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}
.about-image-main img {
    width: 100%;
    height: 480px;
    object-fit: cover;
}
.about-image-badge {
    position: absolute;
    bottom: -24px;
    right: -24px;
    background: var(--gold);
    color: var(--navy-dark);
    padding: 24px;
    border-radius: var(--radius-md);
    text-align: center;
    box-shadow: var(--shadow-md);
}
.about-image-badge .badge-number {
    font-family: var(--font-serif);
    font-size: 2.5rem;
    font-weight: 700;
    line-height: 1;
    display: block;
}
.about-image-badge .badge-text {
    font-size: 0.78rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
}
.about-content { padding-right: 16px; }
.about-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 32px 0;
}
.about-feature {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}
.about-feature-icon {
    width: 40px;
    height: 40px;
    background: rgba(201,168,76,0.12);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 1rem;
    flex-shrink: 0;
}
.about-feature-text strong {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 2px;
}
.about-feature-text span {
    font-size: 0.82rem;
    color: var(--mid-gray);
}

/* ============================================================
   STATS SECTION
   ============================================================ */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2px;
    background: rgba(255,255,255,0.1);
    border-radius: var(--radius-lg);
    overflow: hidden;
}
.stat-item {
    background: rgba(255,255,255,0.05);
    padding: 48px 32px;
    text-align: center;
    transition: background var(--transition);
}
.stat-item:hover { background: rgba(255,255,255,0.1); }
.stat-number {
    font-family: var(--font-serif);
    font-size: 3rem;
    font-weight: 700;
    color: var(--gold);
    line-height: 1;
    display: block;
    margin-bottom: 8px;
}
.stat-label {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.7);
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

/* ============================================================
   TEAM SECTION
   ============================================================ */
.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 32px;
    justify-content: center;
}
.team-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
    text-align: center;
    border: 1px solid var(--light-gray);
    max-width: 360px;
    margin: 0 auto;
}
.team-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
}
.team-card-photo {
    height: 320px;
    overflow: hidden;
    position: relative;
}
.team-card-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: top;
    transition: transform 0.5s ease;
}
.team-card:hover .team-card-photo img { transform: scale(1.04); }
.team-card-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, rgba(26,46,74,0.6) 0%, transparent 50%);
}
.team-card-body {
    padding: 28px 24px;
    border-top: 3px solid var(--gold);
}
.team-card-name {
    font-family: var(--font-serif);
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}
.team-card-title {
    font-size: 0.875rem;
    color: var(--gold);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 16px;
}
.team-card-bio {
    font-size: 0.875rem;
    color: var(--text-body);
    line-height: 1.7;
}

/* ============================================================
   PROCESS / HOW WE WORK
   ============================================================ */
.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    position: relative;
}
.process-steps::before {
    content: '';
    position: absolute;
    top: 40px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    z-index: 0;
}
.process-step {
    text-align: center;
    position: relative;
    z-index: 1;
}
.process-step-number {
    width: 80px;
    height: 80px;
    background: var(--navy);
    border: 3px solid var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-serif);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--gold);
    margin: 0 auto 24px;
    transition: all var(--transition);
}
.process-step:hover .process-step-number {
    background: var(--gold);
    color: var(--navy-dark);
    transform: scale(1.1);
}
.process-step-title {
    font-family: var(--font-serif);
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}
.process-step-desc {
    font-size: 0.875rem;
    color: var(--text-body);
    line-height: 1.7;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-slider {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 28px;
}
.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--light-gray);
    position: relative;
    transition: all var(--transition);
}
.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--gold);
}
.testimonial-quote {
    font-size: 3rem;
    color: var(--gold);
    line-height: 1;
    font-family: Georgia, serif;
    margin-bottom: 16px;
    opacity: 0.6;
}
.testimonial-text {
    font-size: 0.95rem;
    color: var(--text-body);
    line-height: 1.8;
    font-style: italic;
    margin-bottom: 24px;
}
.testimonial-stars {
    color: var(--gold);
    font-size: 0.875rem;
    margin-bottom: 16px;
}
.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
    padding-top: 16px;
    border-top: 1px solid var(--light-gray);
}
.testimonial-avatar {
    width: 48px;
    height: 48px;
    background: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 700;
    flex-shrink: 0;
}
.testimonial-author-info strong {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-dark);
}
.testimonial-author-info span {
    font-size: 0.8rem;
    color: var(--mid-gray);
}

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    padding: 96px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url('../images/services_bg.jpg') center/cover no-repeat;
    opacity: 0.08;
}
.cta-content { position: relative; z-index: 1; }
.cta-title {
    font-family: var(--font-serif);
    font-size: clamp(1.8rem, 3vw, 2.8rem);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
}
.cta-subtitle {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.75);
    margin-bottom: 40px;
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
}
.cta-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ============================================================
   CONTACT FORM
   ============================================================ */
.contact-layout {
    display: grid;
    grid-template-columns: 1fr 1.6fr;
    gap: 64px;
    align-items: start;
}
.contact-info-card {
    background: var(--navy);
    border-radius: var(--radius-lg);
    padding: 48px 36px;
    color: var(--white);
    position: sticky;
    top: 100px;
}
.contact-info-card h3 {
    font-family: var(--font-serif);
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 8px;
}
.contact-info-card p {
    color: rgba(255,255,255,0.7);
    font-size: 0.9rem;
    margin-bottom: 32px;
}
.contact-info-items { display: flex; flex-direction: column; gap: 24px; }
.contact-info-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}
.contact-info-icon {
    width: 44px;
    height: 44px;
    background: rgba(201,168,76,0.15);
    border: 1px solid rgba(201,168,76,0.3);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 1rem;
    flex-shrink: 0;
}
.contact-info-text strong {
    display: block;
    font-size: 0.82rem;
    color: rgba(255,255,255,0.5);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 4px;
}
.contact-info-text span, .contact-info-text a {
    font-size: 0.95rem;
    color: var(--white);
}
.contact-info-text a:hover { color: var(--gold); }
.contact-hours {
    margin-top: 32px;
    padding-top: 32px;
    border-top: 1px solid rgba(255,255,255,0.1);
}
.contact-hours h4 {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.5);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 12px;
}
.contact-hours-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.875rem;
    padding: 6px 0;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}
.contact-hours-row span:last-child { color: var(--gold); }

/* Form */
.contact-form-wrapper {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 48px 40px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--light-gray);
}
.form-group { margin-bottom: 24px; }
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}
.form-label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 8px;
}
.form-label .required { color: var(--gold); margin-left: 2px; }
.form-control {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--light-gray);
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 0.9rem;
    color: var(--text-dark);
    background: var(--white);
    transition: all var(--transition);
    outline: none;
}
.form-control:focus {
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(26,46,74,0.08);
}
.form-control::placeholder { color: var(--mid-gray); }
textarea.form-control { resize: vertical; min-height: 140px; }
select.form-control { cursor: pointer; }
.form-success {
    display: none;
    background: #d4edda;
    border: 1px solid #c3e6cb;
    color: #155724;
    padding: 16px 20px;
    border-radius: var(--radius-sm);
    margin-bottom: 24px;
    font-size: 0.9rem;
}
.form-error {
    display: none;
    background: #f8d7da;
    border: 1px solid #f5c6cb;
    color: #721c24;
    padding: 16px 20px;
    border-radius: var(--radius-sm);
    margin-bottom: 24px;
    font-size: 0.9rem;
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
    padding: 80px 0 64px;
    position: relative;
    overflow: hidden;
}
.page-hero::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 40%;
    background: url('../images/hero_banner.jpg') center/cover no-repeat;
    opacity: 0.12;
    clip-path: polygon(15% 0, 100% 0, 100% 100%, 0% 100%);
}
.page-hero-content { position: relative; z-index: 1; }
.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.82rem;
    color: rgba(255,255,255,0.5);
    margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,0.5); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb i { font-size: 0.65rem; }
.breadcrumb .current { color: var(--gold); }
.page-hero-title {
    font-family: var(--font-serif);
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
}
.page-hero-subtitle {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.75);
    max-width: 560px;
}

/* ============================================================
   ARTICLES / RATGEBER
   ============================================================ */
.articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 32px;
}
.article-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--light-gray);
    transition: all var(--transition);
}
.article-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--gold);
}
.article-card-image {
    height: 200px;
    overflow: hidden;
}
.article-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}
.article-card:hover .article-card-image img { transform: scale(1.04); }
.article-card-body { padding: 28px 24px; }
.article-category {
    display: inline-block;
    background: rgba(201,168,76,0.12);
    color: var(--gold-dark);
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 4px 10px;
    border-radius: 100px;
    margin-bottom: 12px;
}
.article-title {
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
    line-height: 1.4;
}
.article-excerpt {
    font-size: 0.875rem;
    color: var(--text-body);
    line-height: 1.7;
    margin-bottom: 20px;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}
.article-meta {
    display: flex;
    align-items: center;
    gap: 16px;
    font-size: 0.8rem;
    color: var(--mid-gray);
    padding-top: 16px;
    border-top: 1px solid var(--light-gray);
}
.article-meta i { color: var(--gold); }

/* Filter Buttons */
.ratgeber-filter {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    justify-content: center;
    margin-bottom: 52px;
}
.filter-btn {
    padding: 9px 22px;
    border-radius: 100px;
    border: 1.5px solid var(--light-gray);
    background: var(--white);
    color: var(--text-dark);
    font-size: 0.875rem;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.25s ease;
    font-family: inherit;
}
.filter-btn:hover,
.filter-btn.active {
    background: var(--navy);
    color: #fff;
    border-color: var(--navy);
}

/* Article category badge (overlay on image) */
.article-category-badge {
    position: absolute;
    top: 14px;
    left: 14px;
    background: var(--gold);
    color: #fff;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    padding: 4px 12px;
    border-radius: 100px;
    z-index: 2;
}
.article-card-image { position: relative; }

/* Read more link */
.article-read-more {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--gold);
    font-weight: 600;
    font-size: 0.875rem;
    text-decoration: none;
    transition: gap 0.2s ease;
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid var(--light-gray);
    width: 100%;
}
.article-read-more:hover {
    gap: 10px;
    color: var(--navy);
}

/* Newsletter box */
.newsletter-box {
    max-width: 620px;
    margin: 0 auto;
    text-align: center;
}
.newsletter-desc {
    color: var(--text-body);
    margin-bottom: 32px;
    line-height: 1.8;
}
.newsletter-form {
    display: flex;
    gap: 12px;
    max-width: 500px;
    margin: 0 auto 12px;
}
.newsletter-input {
    flex: 1;
    padding: 14px 18px;
    border: 1.5px solid var(--light-gray);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    outline: none;
    font-family: inherit;
    transition: border-color 0.2s;
}
.newsletter-input:focus { border-color: var(--navy); }
.newsletter-msg { min-height: 20px; font-size: 0.875rem; margin-top: 8px; }
.newsletter-legal { font-size: 0.78rem; color: var(--mid-gray); margin-top: 10px; }
.newsletter-legal a { color: var(--gold); }
@media (max-width: 575px) { .newsletter-form { flex-direction: column; } }

/* ============================================================
   COMPANY INFO TABLE
   ============================================================ */
.company-info-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
}
.company-info-table tr { border-bottom: 1px solid var(--light-gray); }
.company-info-table tr:last-child { border-bottom: none; }
.company-info-table td {
    padding: 14px 16px;
    vertical-align: top;
}
.company-info-table td:first-child {
    font-weight: 600;
    color: var(--text-dark);
    width: 40%;
    color: var(--navy);
}
.company-info-table tr:nth-child(even) td { background: var(--off-white); }

/* ============================================================
   MAP PLACEHOLDER
   ============================================================ */
.map-container {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    height: 400px;
    background: var(--light-gray);
    position: relative;
}
.map-placeholder {
    width: 100%;
    height: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    color: var(--white);
    text-align: center;
    gap: 16px;
}
.map-placeholder i { font-size: 3rem; color: var(--gold); }
.map-placeholder h3 { font-family: var(--font-serif); font-size: 1.3rem; }
.map-placeholder p { color: rgba(255,255,255,0.7); font-size: 0.9rem; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy-dark); color: var(--white); }
.footer-top { padding: 80px 0 48px; }
.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.4fr;
    gap: 48px;
}
.footer-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 20px;
}
.footer-logo { width: 48px; height: 48px; object-fit: contain; }
.footer-brand-name {
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
}
.footer-desc {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.6);
    line-height: 1.8;
    margin-bottom: 24px;
}
.footer-certifications {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}
.cert-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    color: rgba(255,255,255,0.7);
    padding: 5px 10px;
    border-radius: 100px;
    font-size: 0.75rem;
}
.cert-badge i { color: var(--gold); font-size: 0.7rem; }
.footer-heading {
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: 20px;
    padding-bottom: 12px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.875rem;
    color: rgba(255,255,255,0.65);
    transition: all var(--transition);
}
.footer-links a i { font-size: 0.6rem; color: var(--gold); }
.footer-links a:hover { color: var(--gold); padding-left: 4px; }
.footer-contact-list { display: flex; flex-direction: column; gap: 16px; }
.footer-contact-list li {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    font-size: 0.875rem;
    color: rgba(255,255,255,0.65);
}
.footer-contact-list li i {
    color: var(--gold);
    margin-top: 3px;
    flex-shrink: 0;
    width: 14px;
}
.footer-contact-list a { color: rgba(255,255,255,0.65); }
.footer-contact-list a:hover { color: var(--gold); }
.btn-footer-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--gold);
    color: var(--navy-dark);
    padding: 12px 20px;
    border-radius: var(--radius-sm);
    font-size: 0.875rem;
    font-weight: 600;
    margin-top: 20px;
    transition: all var(--transition);
}
.btn-footer-cta:hover {
    background: var(--gold-light);
    color: var(--navy-dark);
    transform: translateY(-2px);
}
.footer-bottom {
    background: rgba(0,0,0,0.2);
    padding: 20px 0;
    border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-bottom-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}
.footer-copyright { font-size: 0.82rem; color: rgba(255,255,255,0.4); }
.footer-legal-info {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.3);
    display: flex;
    gap: 8px;
    align-items: center;
    flex-wrap: wrap;
}
.footer-legal-info .sep { opacity: 0.4; }
.footer-legal-links {
    display: flex;
    gap: 16px;
}
.footer-legal-links a {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.4);
    transition: color var(--transition);
}
.footer-legal-links a:hover { color: var(--gold); }

/* ============================================================
   COOKIE BANNER
   ============================================================ */
.cookie-banner {
    position: fixed;
    bottom: 24px;
    left: 24px;
    right: 24px;
    max-width: 600px;
    background: var(--navy-dark);
    border: 1px solid rgba(201,168,76,0.3);
    border-radius: var(--radius-lg);
    padding: 20px 24px;
    box-shadow: var(--shadow-lg);
    z-index: 9999;
    display: none;
    animation: slideUp 0.4s ease;
}
.cookie-banner.show { display: block; }
@keyframes slideUp {
    from { transform: translateY(20px); opacity: 0; }
    to { transform: translateY(0); opacity: 1; }
}
.cookie-content {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}
.cookie-content i { color: var(--gold); font-size: 1.5rem; flex-shrink: 0; }
.cookie-content p {
    flex: 1;
    font-size: 0.875rem;
    color: rgba(255,255,255,0.8);
    min-width: 200px;
}
.cookie-content a { color: var(--gold); }
.cookie-actions { display: flex; gap: 8px; flex-shrink: 0; }
.btn-cookie-accept {
    background: var(--gold);
    color: var(--navy-dark);
    border: none;
    padding: 8px 18px;
    border-radius: var(--radius-sm);
    font-size: 0.82rem;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
}
.btn-cookie-accept:hover { background: var(--gold-light); }
.btn-cookie-decline {
    background: transparent;
    color: rgba(255,255,255,0.6);
    border: 1px solid rgba(255,255,255,0.2);
    padding: 8px 18px;
    border-radius: var(--radius-sm);
    font-size: 0.82rem;
    cursor: pointer;
    transition: all var(--transition);
}
.btn-cookie-decline:hover { border-color: rgba(255,255,255,0.4); color: var(--white); }

/* ============================================================
   SCROLL TO TOP
   ============================================================ */
.scroll-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 48px;
    height: 48px;
    background: var(--navy);
    color: var(--gold);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    box-shadow: var(--shadow-md);
    opacity: 0;
    visibility: hidden;
    transition: all var(--transition);
    z-index: 999;
}
.scroll-top.visible { opacity: 1; visibility: visible; }
.scroll-top:hover { background: var(--gold); color: var(--navy-dark); transform: translateY(-3px); }

/* ============================================================
   UTILITY CLASSES
   ============================================================ */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }
.text-muted { color: var(--mid-gray); }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.justify-center { justify-content: center; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
    .about-grid { grid-template-columns: 1fr; gap: 48px; }
    .about-image-wrapper { max-width: 560px; margin: 0 auto; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .process-steps { grid-template-columns: repeat(2, 1fr); }
    .process-steps::before { display: none; }
    .contact-layout { grid-template-columns: 1fr; }
    .contact-info-card { position: static; }
}
@media (max-width: 768px) {
    section { padding: 64px 0; }
    .navbar .container { height: 68px; }
    .navbar-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 85%;
        max-width: 360px;
        height: 100vh;
        background: var(--white);
        flex-direction: column;
        align-items: flex-start;
        padding: 80px 24px 32px;
        box-shadow: var(--shadow-lg);
        transition: right var(--transition);
        overflow-y: auto;
        z-index: 999;
        gap: 0;
    }
    .navbar-menu.open { right: 0; }
    .navbar-menu > li { width: 100%; }
    .navbar-menu > li > a { padding: 14px 0; border-bottom: 1px solid var(--light-gray); border-radius: 0; }
    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        border-top: none;
        padding: 0 0 0 16px;
        display: none;
    }
    .has-dropdown.open .dropdown-menu { display: block; }
    .navbar-toggler { display: flex; z-index: 1000; }
    .btn-cta-nav { display: none; }
    .top-bar-uid { display: none; }
    .hero { min-height: 80vh; }
    .hero-stats { gap: 24px; }
    .hero-stat-number { font-size: 1.8rem; }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    .footer-bottom-inner { flex-direction: column; text-align: center; }
    .footer-legal-info { justify-content: center; }
    .form-row { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .process-steps { grid-template-columns: 1fr; }
    .trust-bar .container { flex-direction: column; gap: 16px; }
    .contact-form-wrapper { padding: 32px 24px; }
    .about-image-badge { right: 0; bottom: -16px; }
    .about-features { grid-template-columns: 1fr; }
    .cookie-banner { left: 12px; right: 12px; bottom: 12px; }
}
@media (max-width: 480px) {
    .container { padding: 0 16px; }
    .hero-title { font-size: 1.9rem; }
    .section-title { font-size: 1.6rem; }
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; justify-content: center; }
    .stats-grid { grid-template-columns: 1fr; }
    .stat-item { padding: 32px 24px; }
    .top-bar .container { flex-direction: column; gap: 6px; }
    .top-bar-left, .top-bar-right { gap: 12px; }
}


/* ============================================================
   NEUE STYLES - Einlageprodukte, Einlagensicherung, Footer, Legal
   ============================================================ */

.einlagensicherung-banner { background: linear-gradient(135deg, #1a2e4a 0%, #2a4a6e 100%); padding: 14px 0; border-bottom: 3px solid var(--gold); }
.einlagensicherung-inner { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.einlagensicherung-badge-img { height: 44px; width: auto; border-radius: 4px; background: #fff; padding: 4px; }
.einlagensicherung-text { color: rgba(255,255,255,0.9); font-size: 0.88rem; flex: 1; }
.einlagensicherung-text strong { color: #fff; display: block; font-size: 0.95rem; margin-bottom: 2px; }

.festgeld-card { background: #fff; border: 1px solid #e8edf2; border-radius: 12px; padding: 28px 24px; text-align: center; position: relative; transition: all 0.3s ease; height: 100%; }
.festgeld-card:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(26,46,74,0.12); border-color: var(--gold); }
.festgeld-card--popular { border-color: var(--gold); box-shadow: 0 8px 30px rgba(201,168,76,0.2); }
.popular-badge { position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: var(--gold); color: #fff; font-size: 0.75rem; font-weight: 700; padding: 4px 16px; border-radius: 20px; letter-spacing: 0.5px; text-transform: uppercase; }
.festgeld-card-icon { width: 60px; height: 60px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; color: var(--gold); font-size: 1.4rem; }
.festgeld-card-title { font-size: 1.3rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.festgeld-card-meta { font-size: 0.85rem; color: #666; margin-bottom: 10px; }
.festgeld-card-vorteil { font-size: 0.9rem; color: #555; margin-bottom: 0; }

.comparison-table thead tr th { background: var(--navy); color: #fff; font-weight: 600; padding: 14px 18px; }
.comparison-table .table-highlight { background: rgba(201,168,76,0.06); }
.comparison-table tbody tr td { padding: 12px 18px; vertical-align: middle; }

.feature-box-dark { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; padding: 28px 24px; height: 100%; transition: all 0.3s ease; }
.feature-box-dark:hover { background: rgba(255,255,255,0.1); border-color: var(--gold); transform: translateY(-4px); }
.feature-icon-dark { width: 52px; height: 52px; background: rgba(201,168,76,0.15); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--gold); font-size: 1.3rem; margin-bottom: 16px; }
.feature-box-dark h4 { color: #fff; font-size: 1rem; font-weight: 600; margin-bottom: 10px; }
.feature-box-dark p { color: rgba(255,255,255,0.75); font-size: 0.9rem; margin: 0; }

.target-card { background: #fff; border: 1px solid #e8edf2; border-radius: 12px; padding: 32px 20px; height: 100%; transition: all 0.3s ease; }
.target-card:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(26,46,74,0.1); border-color: var(--gold); }
.target-icon { width: 64px; height: 64px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; color: var(--gold); font-size: 1.5rem; }
.target-card h4 { color: var(--navy); font-size: 1.05rem; font-weight: 700; margin-bottom: 10px; }
.target-card p { color: #666; font-size: 0.88rem; margin: 0; }

.usecase-card { display: flex; gap: 20px; background: #fff; border: 1px solid #e8edf2; border-radius: 12px; padding: 24px; height: 100%; transition: all 0.3s ease; }
.usecase-card:hover { box-shadow: 0 12px 30px rgba(26,46,74,0.1); border-color: var(--gold); }
.usecase-icon { width: 48px; height: 48px; min-width: 48px; background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: #fff; font-size: 1.2rem; }
.usecase-content h4 { color: var(--navy); font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.usecase-content p { color: #666; font-size: 0.88rem; margin: 0; }

.laddering-visual { display: flex; align-items: flex-end; gap: 12px; padding: 20px; background: #f8f9fa; border-radius: 12px; }
.laddering-item { display: flex; flex-direction: column; align-items: center; gap: 8px; flex: 1; }
.laddering-bar { width: 100%; border-radius: 6px 6px 0 0; display: flex; align-items: center; justify-content: center; color: #fff; font-size: 0.75rem; font-weight: 700; writing-mode: vertical-lr; text-orientation: mixed; padding: 8px 0; }
.laddering-item small { font-size: 0.75rem; color: #666; font-weight: 600; }

.growth-card { background: #fff; border: 1px solid #e8edf2; border-radius: 12px; padding: 28px 24px; text-align: center; transition: all 0.3s ease; }
.growth-card:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(26,46,74,0.1); }
.growth-card--highlight { border-color: var(--navy); box-shadow: 0 4px 20px rgba(26,46,74,0.1); }
.growth-card--gold { border-color: var(--gold); background: linear-gradient(135deg, #fffdf5 0%, #fff8e6 100%); box-shadow: 0 4px 20px rgba(201,168,76,0.15); }
.growth-age { font-size: 0.85rem; color: #888; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px; }
.growth-amount { font-size: 1.6rem; font-weight: 800; color: var(--navy); margin-bottom: 12px; }
.growth-bar { height: 6px; background: #e8edf2; border-radius: 3px; margin-bottom: 10px; overflow: hidden; }
.growth-fill { height: 100%; background: linear-gradient(90deg, var(--gold) 0%, var(--gold-dark) 100%); border-radius: 3px; }
.growth-note { font-size: 0.8rem; color: #888; }

.occasion-card { background: #fff; border: 1px solid #e8edf2; border-radius: 12px; padding: 28px 20px; height: 100%; transition: all 0.3s ease; }
.occasion-card:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(26,46,74,0.1); border-color: var(--gold); }
.occasion-icon { width: 60px; height: 60px; background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; color: #fff; font-size: 1.4rem; }
.occasion-card h4 { color: var(--navy); font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.occasion-card p { color: #666; font-size: 0.88rem; margin: 0; }

.related-card { background: #fff; border: 1px solid #e8edf2; border-radius: 12px; overflow: hidden; height: 100%; transition: all 0.3s ease; }
.related-card:hover { transform: translateY(-6px); box-shadow: 0 16px 40px rgba(26,46,74,0.12); border-color: var(--gold); }
.related-card-img { width: 100%; height: 180px; object-fit: cover; }
.related-card-body { padding: 20px; }
.related-card-body h4 { color: var(--navy); font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.related-card-body p { color: #666; font-size: 0.88rem; margin-bottom: 14px; }

.einlagensicherung-highlight { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); border-radius: 16px; padding: 30px; display: inline-block; text-align: center; width: 100%; }
.einlagensicherung-amount { font-size: 2.8rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 8px; }
.einlagensicherung-label { color: rgba(255,255,255,0.85); font-size: 0.9rem; }

.coverage-card { background: #fff; border-radius: 12px; padding: 28px; height: 100%; border: 2px solid transparent; }
.coverage-card--yes { border-color: #28a745; background: #f8fff9; }
.coverage-card--no { border-color: #dc3545; background: #fff8f8; }
.coverage-header { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.coverage-card--yes .coverage-header i { color: #28a745; font-size: 1.5rem; }
.coverage-card--no .coverage-header i { color: #dc3545; font-size: 1.5rem; }
.coverage-header h4 { margin: 0; color: var(--navy); font-size: 1.05rem; }
.coverage-list { list-style: none; padding: 0; margin: 0; }
.coverage-list li { padding: 6px 0; font-size: 0.9rem; color: #444; border-bottom: 1px solid rgba(0,0,0,0.05); }
.coverage-list li:last-child { border-bottom: none; }

.strategy-visual { display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap; padding: 30px; background: #f8f9fa; border-radius: 16px; }
.strategy-item { background: #fff; border: 2px solid var(--navy); border-radius: 10px; padding: 16px 20px; text-align: center; min-width: 120px; }
.strategy-item--total { border-color: var(--gold); background: linear-gradient(135deg, #fffdf5 0%, #fff8e6 100%); }
.strategy-bank { font-size: 0.8rem; font-weight: 700; color: #888; text-transform: uppercase; margin-bottom: 6px; }
.strategy-amount { font-size: 1.1rem; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
.strategy-badge { font-size: 0.75rem; background: var(--navy); color: #fff; padding: 3px 10px; border-radius: 20px; display: inline-block; }
.strategy-badge--gold { background: var(--gold); }
.strategy-plus, .strategy-equals { font-size: 1.8rem; font-weight: 700; color: var(--navy); }

.legal-content h2 { color: var(--navy); font-size: 1.3rem; font-weight: 700; margin-top: 40px; margin-bottom: 14px; padding-bottom: 8px; border-bottom: 2px solid var(--gold); }
.legal-content h3 { color: var(--navy); font-size: 1.05rem; font-weight: 600; margin-top: 24px; margin-bottom: 10px; }
.legal-content p, .legal-content li { color: #444; line-height: 1.8; font-size: 0.95rem; }
.legal-content ul { padding-left: 20px; margin-bottom: 16px; }
.legal-content ul li { margin-bottom: 6px; }
.legal-meta { background: #f8f9fa; border-radius: 8px; padding: 14px 20px; font-size: 0.88rem; color: #666; border-left: 4px solid var(--gold); }
.contact-box { background: #f0f4f8; border-radius: 10px; padding: 20px 24px; border-left: 4px solid var(--navy); }
.contact-box p { margin: 0; line-height: 1.8; }
.cookie-table { font-size: 0.88rem; }
.cookie-table code { background: #f0f4f8; padding: 2px 6px; border-radius: 4px; color: var(--navy); font-size: 0.82rem; }
.rights-card { background: #f8f9fa; border-radius: 10px; padding: 20px; height: 100%; border-left: 3px solid var(--gold); }
.rights-card i { font-size: 1.3rem; color: var(--gold); margin-bottom: 10px; display: block; }
.rights-card h5 { color: var(--navy); font-size: 0.95rem; font-weight: 700; margin-bottom: 8px; }
.rights-card p { color: #666; font-size: 0.85rem; margin: 0; }

.footer-grid--5col { grid-template-columns: 2fr 1.5fr 1.5fr 1.8fr; }
.footer-einlagensicherung { margin-top: 20px; }
.einlagensicherung-footer-link { text-decoration: none; }
.einlagensicherung-footer-badge { display: flex; align-items: center; gap: 12px; background: rgba(201,168,76,0.1); border: 1px solid rgba(201,168,76,0.3); border-radius: 10px; padding: 12px 16px; transition: all 0.3s ease; }
.einlagensicherung-footer-badge:hover { background: rgba(201,168,76,0.2); border-color: var(--gold); }
.einlagensicherung-footer-badge i { font-size: 1.5rem; color: var(--gold); min-width: 24px; }
.einlagensicherung-footer-badge strong { display: block; color: #fff; font-size: 0.85rem; margin-bottom: 2px; }
.einlagensicherung-footer-badge span { color: rgba(255,255,255,0.7); font-size: 0.78rem; }

.dropdown-menu--wide { min-width: 260px; }
.dropdown-group-label { padding: 8px 16px 4px !important; font-size: 0.72rem !important; font-weight: 700 !important; text-transform: uppercase !important; letter-spacing: 0.8px !important; color: var(--gold) !important; pointer-events: none; cursor: default; }
.dropdown-divider { height: 1px; background: rgba(0,0,0,0.08); margin: 6px 0; pointer-events: none; }

.process-step-dark { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; padding: 28px 24px; height: 100%; text-align: center; transition: all 0.3s ease; }
.process-step-dark:hover { background: rgba(255,255,255,0.1); border-color: var(--gold); }
.process-step-dark .process-number { font-size: 2.5rem; font-weight: 800; color: var(--gold); opacity: 0.6; line-height: 1; margin-bottom: 12px; font-family: var(--font-serif); }
.process-step-dark h4 { color: #fff; font-size: 1rem; font-weight: 700; margin-bottom: 10px; }
.process-step-dark p { color: rgba(255,255,255,0.7); font-size: 0.88rem; margin: 0; }

.bg-navy { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); }

@media (max-width: 991px) {
    .footer-grid--5col { grid-template-columns: 1fr 1fr; }
    .strategy-visual { flex-direction: column; }
    .laddering-visual { gap: 6px; }
}
@media (max-width: 576px) {
    .footer-grid--5col { grid-template-columns: 1fr; }
    .einlagensicherung-inner { flex-direction: column; text-align: center; }
    .einlagensicherung-amount { font-size: 2rem; }
}


/* ===================================================
   ARTICLE / RATGEBER DETAIL PAGE STYLES
   =================================================== */

/* Article Layout */
.article-layout {
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 3rem;
    align-items: start;
}
@media (max-width: 1024px) {
    .article-layout {
        grid-template-columns: 1fr;
    }
}

/* Article Meta Bar */
.article-meta-bar {
    display: flex;
    flex-wrap: wrap;
    gap: 1.5rem;
    padding: 1rem 1.5rem;
    background: #f8f9fa;
    border-left: 4px solid var(--gold);
    border-radius: 0 8px 8px 0;
    margin-bottom: 2rem;
    font-size: 0.875rem;
    color: #666;
}
.article-meta-bar span i {
    color: var(--gold);
    margin-right: 0.4rem;
}

/* Featured Image */
.article-featured-image {
    margin-bottom: 2.5rem;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
}
.article-featured-image img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    display: block;
}
.image-caption {
    padding: 0.75rem 1rem;
    background: #f8f9fa;
    font-size: 0.8rem;
    color: #888;
    font-style: italic;
    margin: 0;
}

/* Article Lead */
.article-lead {
    font-size: 1.15rem;
    line-height: 1.8;
    color: #2c3e50;
    font-weight: 400;
    border-left: 4px solid var(--gold);
    padding-left: 1.5rem;
    margin-bottom: 2rem;
}

/* Article Sections */
.article-section {
    margin-bottom: 2.5rem;
}
.article-section h2 {
    font-size: 1.5rem;
    color: var(--navy);
    margin-bottom: 1rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid #e9ecef;
}
.article-section p {
    line-height: 1.8;
    color: #444;
    margin-bottom: 1rem;
}

/* Info Cards Grid */
.info-cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1.5rem;
    margin: 1.5rem 0;
}
.info-card {
    background: #fff;
    border: 1px solid #e9ecef;
    border-radius: 12px;
    padding: 1.5rem;
    text-align: center;
    box-shadow: 0 2px 12px rgba(0,0,0,0.06);
    transition: transform 0.3s, box-shadow 0.3s;
}
.info-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}
.info-card-gold {
    background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 100%);
    color: #fff;
    border-color: var(--gold);
}
.info-card-gold h4, .info-card-gold p {
    color: #fff;
}
.info-card-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, var(--navy), #1e3a5f);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
}
.info-card-icon i {
    color: var(--gold);
    font-size: 1.3rem;
}
.info-card-gold .info-card-icon {
    background: rgba(255,255,255,0.15);
}
.info-card h4 {
    font-size: 1rem;
    color: var(--navy);
    margin-bottom: 0.5rem;
}
.info-card p {
    font-size: 0.875rem;
    color: #666;
    line-height: 1.6;
    margin: 0;
}

/* Highlight Box */
.article-highlight-box {
    display: flex;
    gap: 1.5rem;
    background: linear-gradient(135deg, #fef9ec 0%, #fdf3d0 100%);
    border: 1px solid #f0d060;
    border-left: 5px solid var(--gold);
    border-radius: 12px;
    padding: 1.5rem 2rem;
    margin: 2rem 0;
    align-items: flex-start;
}
.highlight-icon {
    font-size: 2rem;
    color: var(--gold);
    flex-shrink: 0;
    margin-top: 0.2rem;
}
.highlight-content h4 {
    color: var(--navy);
    margin-bottom: 0.5rem;
    font-size: 1.05rem;
}
.highlight-content p {
    color: #555;
    line-height: 1.7;
    margin: 0;
}

/* Benefit List */
.benefit-list {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin: 1.5rem 0;
}
.benefit-item {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
    padding: 1rem 1.25rem;
    background: #fff;
    border-radius: 8px;
    border: 1px solid #e9ecef;
    box-shadow: 0 1px 6px rgba(0,0,0,0.04);
}
.benefit-icon {
    color: var(--gold);
    font-size: 1.2rem;
    flex-shrink: 0;
    margin-top: 0.1rem;
}
.benefit-text {
    color: #444;
    line-height: 1.6;
    font-size: 0.95rem;
}

/* Comparison Table */
.comparison-table-wrapper {
    overflow-x: auto;
    margin: 1.5rem 0;
    border-radius: 12px;
    box-shadow: 0 2px 12px rgba(0,0,0,0.08);
}
.comparison-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
}
.comparison-table thead tr {
    background: var(--navy);
    color: #fff;
}
.comparison-table thead th {
    padding: 1rem 1.25rem;
    text-align: left;
    font-weight: 600;
}
.comparison-table tbody tr:nth-child(even) {
    background: #f8f9fa;
}
.comparison-table tbody tr:hover {
    background: #eef2f7;
}
.comparison-table tbody td {
    padding: 0.85rem 1.25rem;
    border-bottom: 1px solid #e9ecef;
    color: #444;
}

/* Strategy Steps */
.strategy-steps {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin: 1.5rem 0;
}
.strategy-step {
    display: flex;
    gap: 1.25rem;
    align-items: flex-start;
    padding: 1.25rem;
    background: #fff;
    border-radius: 12px;
    border: 1px solid #e9ecef;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}
.step-number {
    width: 44px;
    height: 44px;
    background: linear-gradient(135deg, var(--navy), #1e3a5f);
    color: var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
    flex-shrink: 0;
}
.step-content h4 {
    color: var(--navy);
    margin-bottom: 0.4rem;
    font-size: 1rem;
}
.step-content p {
    color: #666;
    font-size: 0.9rem;
    line-height: 1.6;
    margin: 0;
}

/* Checklist */
.checklist {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    margin: 1.5rem 0;
}
.checklist-item {
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
    padding: 0.75rem 1rem;
    background: #f8f9fa;
    border-radius: 8px;
}
.checklist-item i {
    color: var(--gold);
    font-size: 1rem;
    flex-shrink: 0;
    margin-top: 0.15rem;
}
.checklist-item span {
    color: #444;
    font-size: 0.95rem;
    line-height: 1.5;
}

/* Pros/Cons Grid */
.pros-cons-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin: 1.5rem 0;
}
@media (max-width: 600px) {
    .pros-cons-grid { grid-template-columns: 1fr; }
}
.pros-card, .cons-card {
    border-radius: 12px;
    padding: 1.5rem;
}
.pros-card {
    background: linear-gradient(135deg, #e8f5e9, #c8e6c9);
    border: 1px solid #a5d6a7;
}
.cons-card {
    background: linear-gradient(135deg, #fce4ec, #f8bbd0);
    border: 1px solid #f48fb1;
}
.pros-card h4 { color: #2e7d32; margin-bottom: 1rem; }
.cons-card h4 { color: #c62828; margin-bottom: 1rem; }
.pros-card ul, .cons-card ul {
    list-style: none;
    padding: 0;
    margin: 0;
}
.pros-card ul li, .cons-card ul li {
    padding: 0.4rem 0;
    font-size: 0.9rem;
    color: #333;
    padding-left: 1.25rem;
    position: relative;
}
.pros-card ul li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #2e7d32;
    font-weight: 700;
}
.cons-card ul li::before {
    content: '✗';
    position: absolute;
    left: 0;
    color: #c62828;
    font-weight: 700;
}

/* Article CTA Box */
.article-cta-box {
    background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 100%);
    border-radius: 16px;
    padding: 2.5rem;
    text-align: center;
    color: #fff;
    margin-top: 3rem;
}
.article-cta-box h3 {
    color: var(--gold);
    font-size: 1.5rem;
    margin-bottom: 1rem;
}
.article-cta-box p {
    color: rgba(255,255,255,0.85);
    margin-bottom: 1.5rem;
    line-height: 1.7;
}

/* SIDEBAR */
.article-sidebar {
    position: sticky;
    top: 100px;
}
.sidebar-card {
    background: #fff;
    border-radius: 12px;
    padding: 1.5rem;
    margin-bottom: 1.5rem;
    box-shadow: 0 2px 16px rgba(0,0,0,0.08);
    border: 1px solid #e9ecef;
}
.sidebar-card-navy {
    background: linear-gradient(135deg, var(--navy), #1e3a5f);
    border-color: var(--gold);
}
.sidebar-card-navy h4 {
    color: var(--gold) !important;
}
.sidebar-card h4 {
    color: var(--navy);
    font-size: 1rem;
    margin-bottom: 1rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid #e9ecef;
}
.sidebar-card-navy h4 {
    border-bottom-color: rgba(201,168,76,0.3);
}

/* Author Card */
.author-card {
    text-align: center;
}
.author-avatar {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    object-fit: cover;
    border: 3px solid var(--gold);
    margin-bottom: 1rem;
}
.author-card h4 {
    border-bottom: none;
    padding-bottom: 0;
    margin-bottom: 0.25rem;
}
.author-role {
    color: var(--gold);
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
}
.author-bio {
    color: #666;
    font-size: 0.85rem;
    line-height: 1.6;
    margin-bottom: 1rem;
}

/* Facts List */
.facts-list {
    list-style: none;
    padding: 0;
    margin: 0;
}
.facts-list li {
    padding: 0.5rem 0;
    border-bottom: 1px solid #f0f0f0;
    font-size: 0.875rem;
    color: #555;
}
.facts-list li:last-child { border-bottom: none; }
.facts-list li strong { color: var(--navy); }

/* Related List */
.related-list {
    list-style: none;
    padding: 0;
    margin: 0;
}
.related-list li {
    padding: 0.5rem 0;
    border-bottom: 1px solid #f0f0f0;
}
.related-list li:last-child { border-bottom: none; }
.related-list a {
    color: #444;
    text-decoration: none;
    font-size: 0.875rem;
    transition: color 0.2s;
    display: flex;
    gap: 0.5rem;
    align-items: flex-start;
}
.related-list a i {
    color: var(--gold);
    margin-top: 0.2rem;
    flex-shrink: 0;
}
.related-list a:hover { color: var(--navy); }

/* Service Links */
.service-links {
    list-style: none;
    padding: 0;
    margin: 0;
}
.service-links li {
    padding: 0.5rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}
.service-links li:last-child { border-bottom: none; }
.service-links a {
    color: rgba(255,255,255,0.85);
    text-decoration: none;
    font-size: 0.875rem;
    display: flex;
    gap: 0.75rem;
    align-items: center;
    transition: color 0.2s;
}
.service-links a i {
    color: var(--gold);
    width: 16px;
}
.service-links a:hover { color: var(--gold); }

/* More Articles Grid */
.articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

/* btn-sm */
.btn-sm {
    padding: 0.5rem 1.25rem !important;
    font-size: 0.875rem !important;
}

/* ============================================================
   KUNDENPORTAL NAV BUTTON (main website header)
   ============================================================ */
.btn-portal-nav {
    display: inline-flex;
    align-items: center;
    gap: .45rem;
    padding: .55rem 1.1rem;
    background: transparent;
    border: 2px solid var(--gold);
    color: var(--gold);
    border-radius: 6px;
    font-size: .875rem;
    font-weight: 600;
    text-decoration: none;
    transition: all .2s;
    white-space: nowrap;
}
.btn-portal-nav:hover {
    background: var(--gold);
    color: var(--navy);
}
@media (max-width: 768px) {
    .portal-nav-text { display: none; }
    .btn-portal-nav { padding: .55rem .75rem; }
}