/* Schäfer Versicherungsmakler · reines CSS, keine externen Schriften oder Bibliotheken. */

:root {
  --ink: #123e36;
  --ink-dark: #0b2b25;
  --ink-soft: #2c5a50;
  --sage: #5f8a76;
  --accent: #d9f083;
  --accent-soft: #eef8c8;
  --paper: #ffffff;
  --cream: #f7f6f0;
  --wash: #eef3f0;
  --line: #d9e3dd;
  --text: #1d3530;
  --muted: #53625b;
  --warn: #8a4b06;
  --radius: 14px;
  --radius-sm: 8px;
  --width: 1180px;
  --shadow: 0 1px 2px rgb(11 43 37 / .06), 0 12px 32px rgb(11 43 37 / .08);
  --shadow-lg: 0 24px 60px rgb(7 28 24 / .22);
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --header-h: 84px;
}

/* ---------- Grundlagen ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 24px); -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font: 1.0625rem/1.7 var(--sans);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-underline-offset: .22em; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
button { font: inherit; }
h1, h2, h3, p, figure { margin-top: 0; }
h1, h2 {
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.08;
  letter-spacing: -.02em;
  text-wrap: balance;
}
h1 { font-size: clamp(2.6rem, 6vw, 5.2rem); margin-bottom: 28px; }
h2 { font-size: clamp(2.1rem, 3.8vw, 3.4rem); margin-bottom: 22px; }
h3 { font-size: 1.25rem; line-height: 1.35; margin-bottom: 10px; letter-spacing: -.01em; }
p { margin-bottom: 20px; text-wrap: pretty; }
::selection { background: var(--accent); color: var(--ink-dark); }
:focus-visible { outline: 3px solid #c47712; outline-offset: 4px; border-radius: 4px; }

.container { width: min(var(--width), calc(100% - 80px)); margin-inline: auto; }
.narrow { max-width: 800px; }
.skip-link {
  position: absolute; left: 20px; top: -100px; z-index: 200;
  background: var(--ink); color: #fff; padding: 12px 20px; border-radius: var(--radius-sm);
}
.skip-link:focus { top: 12px; }

.icon { width: 24px; height: 24px; flex-shrink: 0; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Kopfbereich ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgb(255 255 255 / .94);
  backdrop-filter: saturate(1.4) blur(10px);
  -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid transparent;
  transition: border-color .2s, box-shadow .2s;
}
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 6px 24px rgb(11 43 37 / .06); }
.nav { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 28px; min-height: var(--header-h); }
.brand { display: flex; align-items: center; gap: 13px; text-decoration: none; color: var(--ink); }
.brand-mark {
  width: 46px; height: 46px; flex-shrink: 0; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--ink); color: var(--accent);
  font: 1.4rem/1 var(--serif);
}
.brand-text { display: block; }
.brand-name { display: block; font-family: var(--serif); font-size: 1.3rem; line-height: 1.1; letter-spacing: -.01em; }
.brand-sub { display: block; font-size: .7rem; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); white-space: nowrap; margin-top: 3px; }
.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav-links a { font-size: .97rem; text-decoration: none; white-space: nowrap; padding: 6px 0; }
.nav-links a:not(.nav-contact):hover,
.nav-links a[aria-current="page"]:not(.nav-contact) { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 8px; text-decoration-color: var(--sage); }
.nav-links .nav-contact {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--ink); color: #fff; border-radius: 999px; padding: 10px 20px; font-weight: 600;
  transition: background .15s;
}
.nav-links .nav-contact:hover, .nav-links .nav-contact[aria-current="page"] { background: var(--ink-dark); }
.nav-toggle { display: none; }

/* ---------- Typografie-Bausteine ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: .8rem; line-height: 1.5; letter-spacing: .16em; font-weight: 700; text-transform: uppercase;
  color: var(--ink-soft); margin-bottom: 22px;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: currentColor; border-radius: 2px; flex-shrink: 0; }
.lead { font-size: 1.18rem; line-height: 1.7; }

/* ---------- Schaltflächen ---------- */
.button {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 14px 26px; border-radius: 999px; border: 1.5px solid transparent;
  font-size: 1rem; font-weight: 700; line-height: 1.3; text-decoration: none; text-align: center;
  transition: background .15s, color .15s, border-color .15s, transform .15s;
}
.button:hover { transform: translateY(-1px); }
.button .icon { width: 20px; height: 20px; }
.button-primary { background: var(--accent); color: var(--ink-dark); }
.button-primary:hover { background: #e7fba6; }
.button-ghost { border-color: rgb(255 255 255 / .45); color: #fff; }
.button-ghost:hover { background: rgb(255 255 255 / .1); border-color: #fff; }
.button-ink { background: var(--ink); color: #fff; }
.button-ink:hover { background: var(--ink-dark); }
.button-outline { border-color: var(--ink); color: var(--ink); }
.button-outline:hover { background: var(--ink); color: #fff; }
.button-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.text-link {
  display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--ink);
  text-decoration: none; border-bottom: 2px solid var(--accent); padding-bottom: 2px;
}
.text-link:hover { border-bottom-color: var(--ink); }
.text-link .icon { width: 18px; height: 18px; transition: transform .15s; }
.text-link:hover .icon { transform: translateX(3px); }

/* ---------- Startseite: Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(1200px 600px at 85% -10%, #1f5a4d 0%, transparent 60%), var(--ink);
  color: #fff; padding: 84px 0 96px;
}
.hero::after {
  content: ""; position: absolute; right: -180px; bottom: -220px; width: 520px; height: 520px;
  border: 1px solid rgb(217 240 131 / .18); border-radius: 50%; pointer-events: none;
}
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 1fr; gap: 72px; align-items: center; }
.hero .eyebrow { color: var(--accent); }
.hero h1 { max-width: 640px; }
.hero h1 em { font-style: italic; color: var(--accent); }
.hero-copy { font-size: 1.15rem; line-height: 1.75; color: #dcebe3; max-width: 520px; margin-bottom: 0; }
.hero-phone { margin: 26px 0 0; font-size: .95rem; color: #b9d1c5; }
.hero-phone a { color: #fff; font-weight: 700; text-decoration: none; border-bottom: 1px solid rgb(255 255 255 / .4); }
.hero-phone a:hover { border-bottom-color: var(--accent); }
.hero-visual { position: relative; margin: 0; padding: 0 0 34px 34px; }
.hero-image {
  width: 100%; height: 500px; object-fit: cover;
  border-radius: 180px 14px 14px 14px; background: #1b4a40; box-shadow: var(--shadow-lg);
}
.hero-badge {
  position: absolute; left: 0; bottom: 0; max-width: 270px;
  background: var(--accent); color: var(--ink-dark); border-radius: var(--radius);
  padding: 22px 26px; box-shadow: var(--shadow-lg);
}
.hero-badge strong { display: block; font: 2.6rem/1 var(--serif); margin-bottom: 8px; }
.hero-badge span { display: block; font-size: .92rem; line-height: 1.45; }

/* ---------- Vertrauensleiste ---------- */
.trust { background: var(--cream); border-bottom: 1px solid var(--line); }
.trust-list { list-style: none; margin: 0; padding: 30px 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.trust-list li { display: flex; align-items: center; gap: 16px; }
.trust-icon {
  width: 52px; height: 52px; flex-shrink: 0; border-radius: 50%;
  display: grid; place-items: center; background: #fff; color: var(--ink); border: 1px solid var(--line);
}
.trust-list strong { display: block; font-size: 1.02rem; color: var(--ink); line-height: 1.35; }
.trust-list span { display: block; font-size: .92rem; color: var(--muted); line-height: 1.45; }

/* ---------- Abschnitte ---------- */
.section { padding: 104px 0; }
.section-tight { padding: 64px 0; }
.section-wash { background: var(--wash); }
.section-cream { background: var(--cream); }
.section-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 40px; margin-bottom: 48px; }
.section-head h2 { max-width: 640px; margin: 0; }
.section-head p { max-width: 380px; margin: 0; color: var(--muted); }
.section-foot { display: flex; align-items: center; justify-content: space-between; gap: 30px; margin-top: 40px; }
.section-foot p { margin: 0; color: var(--muted); max-width: 680px; }

/* ---------- Themenkarten ---------- */
.topic-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.topic-card {
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden;
  transition: transform .2s, box-shadow .2s;
}
.topic-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.topic-photo { margin: 0; position: relative; }
.topic-photo img { width: 100%; height: auto; aspect-ratio: 3 / 2; object-fit: cover; }
.topic-icon {
  position: absolute; left: 24px; bottom: -26px; width: 52px; height: 52px; border-radius: 50%;
  display: grid; place-items: center; background: var(--accent); color: var(--ink-dark);
  box-shadow: 0 6px 18px rgb(11 43 37 / .18);
}
.topic-body { padding: 44px 30px 32px; display: flex; flex-direction: column; flex: 1; }
.topic-body p { color: var(--muted); }
.check-list { list-style: none; margin: 0; padding: 0; }
.check-list li { position: relative; padding-left: 30px; margin-bottom: 8px; line-height: 1.5; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: .12em; width: 20px; height: 20px; border-radius: 50%;
  background: var(--accent-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23123e36' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center / 13px no-repeat;
}
.topic-body .check-list { margin-top: auto; padding-top: 6px; }

/* ---------- Makler-Vorteile ---------- */
.why { display: grid; grid-template-columns: .9fr 1.1fr; gap: 80px; align-items: start; }
.why-intro p { color: var(--muted); }
.why-intro .lead { color: var(--text); }
.why-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.why-item { background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid var(--line); }
.why-item .icon-wrap {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: var(--ink); color: var(--accent); margin-bottom: 18px;
}
.why-item h3 { font-size: 1.15rem; }
.why-item p { margin: 0; color: var(--muted); font-size: .98rem; }

/* ---------- Über / Schritte ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 90px; align-items: start; }
.split p { color: var(--muted); }
.split .lead { color: var(--text); }
.signature { font: italic 2.1rem/1.2 var(--serif); color: var(--ink); margin: 28px 0 4px; }
.signature-role { font-size: .9rem; color: var(--muted); margin: 0 0 26px; }
.steps { list-style: none; margin: 0; padding: 0; }
.step { position: relative; display: grid; grid-template-columns: 56px 1fr; gap: 20px; padding-bottom: 34px; }
.step:last-child { padding-bottom: 0; }
.step:not(:last-child)::before { content: ""; position: absolute; left: 27px; top: 62px; bottom: 6px; width: 2px; background: var(--line); }
.step-no {
  width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center;
  background: #fff; border: 2px solid var(--ink); color: var(--ink); font: 1.35rem/1 var(--serif);
}
.step h3 { margin-top: 12px; font-size: 1.18rem; }
.step p { margin: 0; color: var(--muted); }
.steps-card { background: #fff; border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow); }
.steps-card .eyebrow { margin-bottom: 30px; }

/* ---------- Region ---------- */
.region { display: grid; grid-template-columns: auto 1fr auto; gap: 36px; align-items: center; background: var(--cream); border: 1px solid var(--line); border-radius: var(--radius); padding: 40px 46px; }
.region-icon { width: 72px; height: 72px; border-radius: 50%; display: grid; place-items: center; background: var(--ink); color: var(--accent); }
.region-icon .icon { width: 32px; height: 32px; }
.region h2 { font-size: clamp(1.7rem, 2.6vw, 2.3rem); margin-bottom: 8px; }
.region p { margin: 0; color: var(--muted); }

/* ---------- Kontaktband ---------- */
.contact-band {
  position: relative; overflow: hidden;
  display: flex; align-items: center; justify-content: space-between; gap: 40px;
  background: var(--ink); color: #fff; border-radius: 22px; padding: 60px 64px;
}
.contact-band::after {
  content: ""; position: absolute; right: -120px; top: -160px; width: 380px; height: 380px;
  border-radius: 50%; border: 1px solid rgb(217 240 131 / .22); pointer-events: none;
}
.contact-band h2 { font-size: clamp(2rem, 3.4vw, 3rem); margin-bottom: 14px; max-width: 620px; }
.contact-band p { margin: 0; color: #d4e4dc; max-width: 600px; }
.contact-band .button-row { margin: 0; flex-shrink: 0; position: relative; z-index: 1; flex-direction: column; }

/* ---------- Unterseiten-Kopf ---------- */
.page-hero {
  background: radial-gradient(900px 420px at 90% -20%, #1f5a4d 0%, transparent 60%), var(--ink);
  color: #fff; padding: 76px 0 80px;
}
.page-hero .eyebrow { color: var(--accent); }
.page-hero h1 { font-size: clamp(2.5rem, 5vw, 4.3rem); max-width: 900px; margin-bottom: 22px; }
.page-hero .lead { color: #dcebe3; max-width: 700px; margin: 0; }

/* ---------- Leistungen ---------- */
.service { display: grid; grid-template-columns: 320px 1fr 1fr; gap: 48px; align-items: start; padding: 56px 0; border-top: 1px solid var(--line); }
.service:last-child { border-bottom: 1px solid var(--line); }
.service-photo { margin: 0; }
.service-photo img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; border-radius: var(--radius); }
.service h2 { font-size: clamp(1.9rem, 2.8vw, 2.5rem); margin-bottom: 14px; }
.service p { color: var(--muted); margin: 0; }
.service-label { display: block; color: var(--sage); font: 1.05rem var(--serif); margin-bottom: 8px; }
.service .check-list { padding-top: 8px; }

/* ---------- FAQ ---------- */
.faq { max-width: 860px; margin-inline: auto; }
.faq-head { text-align: center; margin-bottom: 36px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 12px; }
.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 20px;
  padding: 22px 26px; font-weight: 700; font-size: 1.05rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; width: 11px; height: 11px; flex-shrink: 0; margin-right: 4px;
  border-right: 2px solid var(--ink); border-bottom: 2px solid var(--ink); transform: rotate(45deg) translateY(-3px);
  transition: transform .2s;
}
.faq details[open] summary::after { transform: rotate(-135deg) translateY(-3px); }
.faq details p { margin: 0; padding: 0 26px 24px; color: var(--muted); }

/* ---------- Über Wolfram ---------- */
.timeline { list-style: none; margin: 0; padding: 0; }
.timeline li { display: grid; grid-template-columns: 96px 1fr; gap: 24px; padding: 26px 0; border-top: 1px solid var(--line); }
.timeline li:last-child { border-bottom: 1px solid var(--line); }
.timeline time { font: 1.9rem/1.1 var(--serif); color: var(--ink); }
.timeline h3 { font-size: 1.1rem; margin-bottom: 6px; }
.timeline p { margin: 0; font-size: .98rem; color: var(--muted); }
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-top: 44px; }
.value { background: #fff; border-radius: var(--radius); padding: 32px; border-top: 4px solid var(--accent); }
.value .icon { color: var(--ink); margin-bottom: 16px; width: 30px; height: 30px; }
.value p { margin: 0; color: var(--muted); }
.quote { margin: 36px 0 0; padding: 0 0 0 26px; border-left: 4px solid var(--accent); font: italic 1.45rem/1.5 var(--serif); color: var(--ink); }

/* ---------- Kontakt ---------- */
.contact-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 72px; align-items: start; }
.contact-cards { display: grid; gap: 16px; }
.contact-card {
  display: grid; grid-template-columns: 56px 1fr; gap: 20px; align-items: center;
  padding: 24px 26px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff;
  text-decoration: none; transition: border-color .15s, box-shadow .15s, transform .15s;
}
a.contact-card:hover { border-color: var(--ink); box-shadow: var(--shadow); transform: translateY(-2px); }
.contact-icon { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: var(--wash); color: var(--ink); }
.contact-card .label { display: block; font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.contact-card .value-big { display: block; font: 1.5rem/1.35 var(--serif); color: var(--ink); overflow-wrap: anywhere; }
.contact-card address { font-style: normal; line-height: 1.6; }
.contact-card .small { display: block; font-size: .92rem; color: var(--muted); margin-top: 4px; }
.contact-card .small a { color: var(--ink); font-weight: 600; }
.contact-aside { background: var(--cream); border-radius: var(--radius); padding: 40px; border: 1px solid var(--line); }
.contact-aside h2 { font-size: 2rem; }
.contact-aside p { color: var(--muted); }
.contact-aside .check-list { margin-bottom: 24px; }
.hint { font-size: .93rem; color: var(--muted); background: #fff; border-radius: var(--radius-sm); padding: 16px 18px; border-left: 3px solid var(--sage); margin: 0 0 14px; }
.hint:last-child { margin-bottom: 0; }

/* ---------- Rechtstexte ---------- */
.prose h2 { font-size: 1.9rem; margin: 52px 0 18px; }
.prose > h2:first-child, .prose > .toc + h2 { margin-top: 0; }
.prose h3 { font-family: var(--sans); font-size: 1.08rem; margin: 28px 0 10px; }
.prose p, .prose li { color: var(--muted); }
.prose ul { padding-left: 22px; }
.prose a { color: var(--ink); }
.legal-data { display: grid; grid-template-columns: 210px 1fr; gap: 14px 32px; margin: 24px 0 32px; }
.legal-data dt { font-weight: 700; color: var(--text); }
.legal-data dd { margin: 0; color: var(--muted); overflow-wrap: anywhere; }
.address-block { background: var(--cream); border-radius: var(--radius-sm); padding: 20px 24px; margin-bottom: 20px; }
.prose .address-block p { color: var(--text); margin: 0; }
.toc { background: var(--wash); border-radius: var(--radius); padding: 26px 30px; margin-bottom: 52px; }
.prose .toc p { font-weight: 700; color: var(--text); margin-bottom: 10px; }
.toc ol { margin: 0; padding-left: 22px; columns: 2; column-gap: 40px; }
.toc li { margin-bottom: 4px; break-inside: avoid; }
.toc a { text-decoration: none; }
.toc a:hover { text-decoration: underline; }
.updated { margin-top: 48px; font-size: .92rem; }
/* Vor dem Start zu ersetzende Angaben; scripts/check.mjs findet diese Klasse. */
.placeholder { background: #fff1d6; color: var(--warn); font-weight: 700; padding: 1px 6px; border-radius: 4px; outline: 1px dashed #d8a24a; }

/* ---------- 404 ---------- */
.not-found { text-align: center; padding: 130px 0; }
.not-found h1 { font-size: clamp(3rem, 7vw, 5rem); }
.not-found p { color: var(--muted); max-width: 520px; margin-inline: auto; }
.not-found .button-row { justify-content: center; }

/* ---------- Fußbereich ---------- */
.site-footer { background: var(--ink-dark); color: #c9dad2; padding: 72px 0 30px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { text-decoration: underline; color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 52px; }
.site-footer .brand { color: #fff; }
.site-footer .brand-mark { background: var(--accent); color: var(--ink-dark); }
.site-footer .brand-sub { color: #9fbbaf; }
.footer-text { margin: 20px 0 0; font-size: .95rem; max-width: 300px; }
.footer-title { color: #fff; font-weight: 700; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 16px; }
.footer-list { list-style: none; margin: 0; padding: 0; font-size: .97rem; }
.footer-list li { margin-bottom: 9px; }
.footer-list address { font-style: normal; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding-top: 26px; border-top: 1px solid rgb(255 255 255 / .12); font-size: .86rem; color: #9fbbaf; }
.footer-bottom p { margin: 0; }

/* ---------- Mobiler Anruf-Knopf ---------- */
.call-fab { display: none; }

/* ---------- Einblend-Animation (nur mit JavaScript) ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.js .reveal.is-visible { opacity: 1; transform: none; }

/* ---------- Responsiv ---------- */
@media (max-width: 1080px) {
  .container { width: calc(100% - 56px); }
  .hero-grid { gap: 44px; }
  .hero-image { height: 440px; }
  .split, .why { gap: 56px; }
  .service { grid-template-columns: 240px 1fr; gap: 32px; }
  .service .check-list { grid-column: 2; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { gap: 48px; }
  .nav-links { gap: 22px; }
}

@media (max-width: 860px) {
  :root { --header-h: 72px; }
  .container { width: calc(100% - 40px); }
  .nav { gap: 12px; flex-wrap: wrap; }
  .brand-mark { width: 40px; height: 40px; font-size: 1.2rem; }
  .brand-name { font-size: 1.15rem; }
  .brand-sub { font-size: .64rem; }
  .nav-links { width: 100%; flex-wrap: wrap; gap: 4px 22px; padding-bottom: 14px; }
  .js .nav-toggle {
    display: inline-flex; flex-direction: column; justify-content: center; align-items: center; gap: 5px;
    width: 48px; height: 48px; border: 1px solid var(--line); border-radius: 12px; background: #fff; cursor: pointer;
  }
  .nav-toggle span { width: 20px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .2s, opacity .2s; }
  .nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .js .nav-links {
    display: none; position: absolute; left: -20px; right: -20px; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 18px 30px rgb(11 43 37 / .1);
    padding: 8px 20px 22px;
  }
  .js .nav-links.is-open { display: flex; }
  .js .nav-links a { display: block; padding: 14px 4px; font-size: 1.08rem; border-bottom: 1px solid var(--line); }
  .js .nav-links li:last-child a { border-bottom: 0; }
  .js .nav-links .nav-contact { display: flex; justify-content: center; margin-top: 14px; padding: 14px 20px; }

  h1 { margin-bottom: 22px; }
  .hero { padding: 54px 0 64px; }
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero h1 { font-size: clamp(2.6rem, 11vw, 4.2rem); }
  .hero-copy { font-size: 1.06rem; }
  .hero-visual { padding: 0 0 28px 22px; }
  .hero-image { height: 340px; border-top-left-radius: 110px; }
  .hero-badge { padding: 18px 22px; max-width: 230px; }
  .hero-badge strong { font-size: 2.1rem; }
  .button-row .button { flex: 1 1 220px; }

  .trust-list { grid-template-columns: 1fr; gap: 18px; padding: 26px 0; }
  .section { padding: 68px 0; }
  .section-tight { padding: 44px 0; }
  .section-head, .section-foot { display: block; }
  .section-head h2 { margin-bottom: 16px; }
  .section-foot p { margin-bottom: 18px; }
  .topic-grid, .values, .why-grid { grid-template-columns: 1fr; }
  .why, .split, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .steps-card { padding: 28px 22px; }
  .region { grid-template-columns: 1fr; padding: 32px 26px; gap: 18px; }
  .contact-band { display: block; padding: 40px 28px; border-radius: 18px; }
  .contact-band .button-row { margin-top: 28px; flex-direction: row; }
  .page-hero { padding: 50px 0 54px; }
  .service { grid-template-columns: 1fr; gap: 20px; padding: 40px 0; }
  .service .check-list { grid-column: auto; }
  .legal-data { grid-template-columns: 1fr; gap: 4px; }
  .legal-data dd { margin-bottom: 14px; }
  .toc ol { columns: 1; }
  .timeline li { grid-template-columns: 72px 1fr; gap: 16px; }
  .timeline time { font-size: 1.5rem; }
  .contact-aside { padding: 28px 24px; }
  .contact-card { grid-template-columns: 48px 1fr; padding: 20px; gap: 16px; }
  .contact-icon { width: 48px; height: 48px; }
  .contact-card .value-big { font-size: 1.3rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .site-footer { padding-bottom: 104px; }

  .call-fab {
    display: inline-flex; align-items: center; gap: 10px;
    position: fixed; right: 16px; bottom: 16px; z-index: 60;
    background: var(--accent); color: var(--ink-dark); font-weight: 700; text-decoration: none;
    padding: 15px 22px; border-radius: 999px; box-shadow: 0 10px 30px rgb(7 28 24 / .3);
  }
  .call-fab .icon { width: 20px; height: 20px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
  .js .reveal { opacity: 1; transform: none; }
}

@media print {
  .site-header, .site-footer, .button-row, .call-fab, .hero-visual, .skip-link { display: none !important; }
  body { font-size: 11pt; }
  .container { width: 100%; }
  .hero, .page-hero, .contact-band { background: #fff !important; color: #000; padding: 20px 0; }
  .hero-copy, .page-hero .lead { color: #333; }
  .section { padding: 20px 0; }
  .hero-grid, .split, .contact-grid, .why { display: block; }
  .js .reveal { opacity: 1; transform: none; }
  a { color: #000; }
}

/* =====================================================================
   Ausbaustufe 2: weitere Bausteine (nach den Grundregeln, eigene Media Queries)
   ===================================================================== */
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.muted { color: var(--muted); }
.icon-wrap {
  width: 48px; height: 48px; flex-shrink: 0; border-radius: 12px; display: grid; place-items: center;
  background: var(--ink); color: var(--accent);
}

/* Kopfzeile: Telefonnummer sichtbar */
.nav-phone a { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--ink); }
.nav-phone .icon { width: 18px; height: 18px; }
.nav-links .nav-contact { padding: 11px 22px; }

/* Hero */
.hero-points { list-style: none; margin: 30px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px 24px; color: #cfe2d8; font-size: .95rem; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; }
.hero-points .icon { width: 18px; height: 18px; color: var(--accent); stroke-width: 2.4; }
.hero-card {
  position: absolute; right: -14px; top: 28px; display: flex; align-items: center; gap: 12px;
  background: #fff; color: var(--text); border-radius: var(--radius); padding: 14px 18px; box-shadow: var(--shadow-lg);
}
.hero-card-icon { width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; background: var(--wash); color: var(--ink); }
.hero-card strong { display: block; font-size: .98rem; line-height: 1.3; color: var(--ink); }
.hero-card span span { display: block; font-size: .84rem; color: var(--muted); line-height: 1.35; }

/* Zahlenleiste */
.stats { background: var(--cream); border-bottom: 1px solid var(--line); }
.stats-list { margin: 0; padding: 34px 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stats-list div { display: flex; flex-direction: column-reverse; gap: 4px; padding-left: 22px; border-left: 3px solid var(--accent); }
.stats-list dt { font-size: .92rem; color: var(--muted); line-height: 1.4; }
.stats-list dd { margin: 0; font: 2.6rem/1 var(--serif); color: var(--ink); }

/* Abschnittskopf mit Eyebrow */
.section-head > div .eyebrow { margin-bottom: 16px; }

/* Themenkarten als Links */
a.topic-card { text-decoration: none; color: inherit; }
a.topic-card h3 { color: var(--ink); }
.card-more { display: inline-flex; align-items: center; gap: 8px; margin-top: 22px; font-weight: 700; color: var(--ink); }
.card-more .icon { width: 18px; height: 18px; transition: transform .15s; }
a.topic-card:hover .card-more .icon { transform: translateX(4px); }

/* Lebenslagen */
.life-grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.life-item {
  display: flex; flex-direction: column; gap: 6px; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px 24px; transition: border-color .2s, transform .2s;
}
.life-item:hover { border-color: var(--sage); transform: translateY(-3px); }
.life-icon { width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; background: var(--accent-soft); color: var(--ink); margin-bottom: 10px; }
.life-item strong { font-size: 1.04rem; line-height: 1.35; color: var(--ink); }
.life-item span:last-child { font-size: .95rem; color: var(--muted); line-height: 1.5; }

/* Warum Makler: Punkte + Vergleich */
.why { grid-template-columns: .85fr 1.15fr; align-items: center; gap: 64px; }
.why-points { display: grid; gap: 20px; margin-top: 30px; }
.why-points .why-item { display: flex; gap: 18px; align-items: flex-start; background: none; border: 0; padding: 0; }
.why-points h3 { margin: 2px 0; font-size: 1.1rem; }
.why-points p { margin: 0; }
.compare { background: #fff; border-radius: 20px; box-shadow: var(--shadow); padding: 12px; overflow-x: auto; }
.compare table { width: 100%; table-layout: fixed; border-collapse: separate; border-spacing: 0; font-size: .97rem; hyphens: auto; }
.compare thead th:first-child { width: 28%; }
.compare caption { text-align: left; font: 1.35rem var(--serif); color: var(--ink); padding: 18px 18px 14px; }
.compare th, .compare td { padding: 16px 18px; text-align: left; vertical-align: top; border-top: 1px solid var(--line); line-height: 1.45; }
.compare thead th { border-top: 0; font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.compare tbody th { font-weight: 700; color: var(--text); }
.compare td { color: var(--muted); }
.compare .is-makler { background: var(--accent-soft); color: var(--ink); font-weight: 600; }
.compare thead .is-makler { color: var(--ink); border-radius: 12px 12px 0 0; }
.compare tbody tr:last-child .is-makler { border-radius: 0 0 12px 12px; }

/* FAQ neben Einleitung */
.faq-split { display: grid; grid-template-columns: .8fr 1.2fr; gap: 72px; align-items: start; }
.faq-split .faq { margin: 0; max-width: none; }
.faq-split .muted { margin-bottom: 24px; }

/* Kontaktband: Eyebrow */
.contact-band .eyebrow { color: var(--accent); margin-bottom: 16px; }

/* Unterseiten */
.page-hero-sm { padding: 60px 0 64px; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 32px; }
.chips a {
  color: #fff; text-decoration: none; font-size: .93rem; font-weight: 600;
  border: 1px solid rgb(255 255 255 / .35); border-radius: 999px; padding: 8px 16px; transition: background .15s, border-color .15s;
}
.chips a:hover { background: rgb(255 255 255 / .1); border-color: var(--accent); }

/* Beratungsthemen ausführlich */
.service { grid-template-columns: 300px 1.3fr .9fr; }
.service-main p { margin-bottom: 0; }
.service-sub { font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: var(--ink-soft); margin: 0 0 12px; }
.service .service-sub { color: var(--ink-soft); margin-bottom: 12px; }
.service-questions { margin-top: 26px; background: var(--cream); border-radius: var(--radius-sm); padding: 20px 22px; }
.service-questions ul { margin: 0; padding: 0; list-style: none; }
.service-questions li { position: relative; padding-left: 22px; margin-bottom: 8px; color: var(--text); font-style: italic; line-height: 1.5; }
.service-questions li:last-child { margin-bottom: 0; }
.service-questions li::before { content: "?"; position: absolute; left: 0; top: 0; font: 700 1rem/1.5 var(--serif); color: var(--sage); }
.service-side { padding-top: 6px; }

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.service-card { background: #fff; border-radius: var(--radius); padding: 30px; border: 1px solid var(--line); }
.service-card .icon-wrap { margin-bottom: 18px; }
.service-card h3 { font-size: 1.15rem; }
.service-card p { margin: 0; color: var(--muted); }

.process { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; position: relative; }
.process::before { content: ""; position: absolute; left: 28px; right: 28px; top: 28px; height: 2px; background: var(--line); }
.process li { position: relative; }
.process-no {
  position: relative; z-index: 1; width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center;
  background: var(--accent); color: var(--ink-dark); font: 1.4rem/1 var(--serif); margin-bottom: 20px; box-shadow: 0 0 0 8px #fff;
}
.process h3 { font-size: 1.15rem; }
.process p { margin: 0; color: var(--muted); }

/* Über Wolfram */
.timeline-card { background: #fff; border-radius: var(--radius); padding: 36px 36px 20px; box-shadow: var(--shadow); }
.timeline-card .timeline li:last-child { border-bottom: 0; }

/* Kontakt */
.contact-card-main { border-color: var(--ink); background: var(--ink); color: #fff; }
.contact-card-main .label, .contact-card-main .small { color: #cfe2d8; }
.contact-card-main .value-big { color: #fff; font-size: 1.9rem; }
.contact-card-main .contact-icon { background: var(--accent); color: var(--ink-dark); }
a.contact-card-main:hover { background: var(--ink-dark); border-color: var(--ink-dark); }
.contact-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 8px; }
.contact-aside .aside-sub { font-weight: 700; color: var(--text); margin: 0 0 12px; }

@media (max-width: 1080px) {
  .nav-phone { display: none; }
  .hero-card { right: 0; }
  .life-grid { grid-template-columns: repeat(2, 1fr); }
  .service { grid-template-columns: 240px 1fr; }
  .service-side { grid-column: 2; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .process { grid-template-columns: repeat(2, 1fr); row-gap: 40px; }
  .process::before { display: none; }
  .why { grid-template-columns: 1fr; }
  .faq-split { gap: 48px; }
}

@media (max-width: 860px) {
  .js .nav-links .nav-phone { display: block; }
  .js .nav-links .nav-phone a { display: flex; }
  .hero-card { display: none; }
  .hero-points { flex-direction: column; gap: 8px; }
  .stats-list { grid-template-columns: repeat(2, 1fr); padding: 28px 0; gap: 22px 16px; }
  .stats-list dd { font-size: 2.1rem; }
  .life-grid { grid-template-columns: 1fr; gap: 12px; }
  .life-item { display: grid; grid-template-columns: 46px 1fr; column-gap: 16px; row-gap: 2px; padding: 18px; }
  .life-icon { grid-row: span 2; margin: 0; }
  .service { grid-template-columns: 1fr; }
  .service-side { grid-column: auto; }
  .service-grid, .process { grid-template-columns: 1fr; }
  .faq-split { grid-template-columns: 1fr; gap: 28px; }
  .compare { padding: 4px; border-radius: 16px; }
  .compare th, .compare td { padding: 12px 10px; font-size: .9rem; }
  .compare caption { padding: 14px 10px 10px; }
  .timeline-card { padding: 26px 20px 10px; }
  .page-hero-sm { padding: 44px 0 48px; }
  .chips a { font-size: .88rem; padding: 7px 13px; }
  .contact-card-main .value-big { font-size: 1.55rem; }
  .contact-actions .button { flex: 1 1 200px; }
}

@media (max-width: 600px) {
  .compare table, .compare tbody { display: block; }
  .compare thead { display: none; }
  .compare tr { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--line); }
  .compare tbody th { grid-column: 1 / -1; border: 0; padding: 14px 10px 4px; }
  .compare td { border: 0; padding: 8px 10px 14px; }
  .compare td::before { content: attr(data-label); display: block; font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; color: var(--muted); margin-bottom: 2px; }
  .compare td.is-makler { border-radius: 10px; margin: 0 4px 10px 0; }
  .compare tbody tr:last-child .is-makler { border-radius: 10px; }
}