:root {
  --navy: #001f54;
  --navy-dark: #001538;
  --navy-light: #003185;
  --gold: #c9a227;
  --gold-light: #e0c25f;
  --bg: #ffffff;
  --bg-alt: #f5f7fa;
  --text: #1a1f27;
  --text-muted: #5a6472;
  --border: #e2e6ec;
  --radius: 12px;
  --shadow: 0 4px 18px rgba(0, 31, 84, 0.08);
  --shadow-lg: 0 12px 32px rgba(0, 31, 84, 0.14);
  font-size: 16px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", Roboto, -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

img { max-width: 100%; display: block; }

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.center { text-align: center; }

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gold);
  margin: 0 0 0.5rem;
}
.eyebrow.center { text-align: center; }

.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  margin: 0 0 1rem;
  color: var(--navy);
  font-weight: 700;
}
.section-title.center { text-align: center; }

.section-sub {
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto 2rem;
}
.section-sub.center { text-align: center; }

/* Buttons */
.btn {
  display: inline-block;
  text-decoration: none;
  font-weight: 600;
  border-radius: 999px;
  padding: 0.7rem 1.4rem;
  border: 2px solid transparent;
  cursor: pointer;
  font-size: 0.95rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-ghost {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.6);
}
.btn-ghost:hover { border-color: #fff; }
.btn-lg { padding: 0.9rem 1.8rem; font-size: 1rem; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(15, 41, 66, 0.96);
  backdrop-filter: blur(6px);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 1.5rem;
  gap: 1.5rem;
}
.logo {
  color: #fff;
  text-decoration: none;
  font-weight: 700;
  font-size: 1.05rem;
  white-space: nowrap;
}
.logo span {
  display: block;
  font-size: 0.7rem;
  font-weight: 400;
  color: var(--gold-light);
  letter-spacing: 0.05em;
}
.main-nav {
  display: flex;
  gap: 1.6rem;
  flex: 1;
  justify-content: center;
}
.main-nav a {
  color: #dbe4ee;
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 500;
}
.main-nav a:hover { color: var(--gold-light); }
.nav-cta { white-space: nowrap; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.4rem;
}
.nav-toggle span {
  width: 24px;
  height: 2px;
  background: #fff;
  display: block;
}

/* Risiko-Check */
.risk-check {
  background: radial-gradient(circle at 15% 20%, #fdf7e8, #ffffff 55%);
  padding: 3.5rem 0;
  border-bottom: 1px solid var(--border);
}
.risk-check-inner {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3rem;
  align-items: center;
}
.risk-badge { margin-bottom: 1rem; }
.risk-check-text h2 {
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  color: var(--navy);
  margin: 0 0 1rem;
  line-height: 1.25;
}
.risk-check-text p {
  color: var(--text-muted);
  max-width: 520px;
  margin: 0 0 1.4rem;
}
.risk-check-features {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1rem;
  padding: 0;
  margin: 0 0 1.6rem;
}
.risk-check-features li {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 0.4rem 0.9rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  box-shadow: var(--shadow);
}
.risk-check-note {
  margin: 0.9rem 0 0;
  font-size: 0.78rem;
  color: var(--text-muted);
}

.risk-orbit {
  position: relative;
  width: 300px;
  height: 300px;
  margin: 0 auto;
}
.risk-badge-circle {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 168px;
  height: 168px;
  border-radius: 50%;
  overflow: hidden;
  border: 4px solid var(--gold);
  box-shadow: var(--shadow-lg);
}
.risk-avatar-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}
.risk-chip {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #fff;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy) 55%, var(--navy-light));
  color: #fff;
  padding: 4rem 0 5rem;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3rem;
  align-items: center;
}
.hero h1 {
  font-size: clamp(2rem, 4vw, 2.9rem);
  line-height: 1.15;
  margin: 0 0 1.2rem;
}
.hero-sub {
  color: #cfdaea;
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 0 2rem;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.8rem;
}
.badge {
  display: flex;
  flex-direction: column;
}
.badge strong { color: var(--gold-light); font-size: 1.15rem; }
.badge span { color: #b9c6d8; font-size: 0.82rem; }

.hero-video { display: flex; flex-direction: column; align-items: center; }
.video-frame {
  width: 100%;
  aspect-ratio: 16 / 9;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 3px solid rgba(255,255,255,0.15);
}
.video-frame iframe,
.video-frame video {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
  object-fit: cover;
  background: #000;
}
.video-caption { color: #b9c6d8; font-size: 0.85rem; margin-top: 0.8rem; }

/* Sections */
.section { padding: 5rem 0; }
.section-alt { background: var(--bg-alt); }
.section-dark {
  background: var(--navy-dark);
  color: #fff;
}
.section-dark .section-title, .section-dark .eyebrow { color: #fff; }
.section-dark .eyebrow { color: var(--gold-light); }

/* Cards */
.cards {
  display: grid;
  gap: 1.6rem;
}
.services-grid { grid-template-columns: repeat(4, 1fr); }
.reviews-grid { grid-template-columns: repeat(3, 1fr); }

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.8rem;
  box-shadow: var(--shadow);
}
.card h3 { margin: 0 0 0.6rem; color: var(--navy); }
.card p { color: var(--text-muted); margin: 0; font-size: 0.95rem; }
.card-icon { font-size: 1.8rem; margin-bottom: 0.8rem; }

.review-card .stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 0.6rem; }
.review-card p { font-style: italic; margin-bottom: 1rem; }
.review-card strong { color: var(--navy); font-size: 0.9rem; }

.whofinance-info {
  max-width: 760px;
  margin: 0 auto 2.5rem;
  text-align: center;
}
.whofinance-info p {
  color: var(--text-muted);
  margin: 0 0 1.2rem;
}
.whofinance-features {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.6rem 1rem;
  padding: 0;
  margin: 0;
}
.whofinance-features li {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 0.5rem 1rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  box-shadow: var(--shadow);
}

/* Altersvorsorgedepot 2027 */
.avd-section {
  background: linear-gradient(135deg, #ffffff 55%, #fbf6e8);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.avd-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 0.4rem 1rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}
.avd-table-wrap {
  overflow-x: auto;
  margin: 2rem 0 1.5rem;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.avd-table {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
  font-size: 0.92rem;
  min-width: 560px;
}
.avd-table th, .avd-table td {
  padding: 0.85rem 1.2rem;
  text-align: left;
  border-bottom: 1px solid var(--border);
}
.avd-table th {
  background: var(--navy);
  color: #fff;
  font-weight: 600;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.avd-table tbody tr:last-child td { border-bottom: none; }
.avd-table tbody tr:nth-child(even) { background: var(--bg-alt); }
.avd-table td:first-child {
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
}

/* Rechner-Teaser */
.rechner-teaser-grid { grid-template-columns: repeat(3, 1fr); }
.rechner-teaser-card {
  text-decoration: none;
  color: inherit;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.rechner-teaser-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.teaser-link {
  display: inline-block;
  margin-top: 1rem;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.9rem;
}
.rechner-teaser-card:hover .teaser-link { color: var(--gold); }

/* Rechner-Unterseiten */
.back-link {
  display: inline-block;
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
}
.back-link:hover { color: var(--navy); }
.subpage-intro { max-width: 640px; }
.subpage-calc-card { max-width: 480px; margin-top: 2rem; }

/* Calculators */
.calc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 2.5rem;
}
.calc-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.calc-card h3 { margin-top: 0; color: var(--navy); }
.calc-field { margin-bottom: 1rem; }
.calc-field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 0.3rem;
}
.calc-field input, .calc-field textarea {
  width: 100%;
  padding: 0.65rem 0.8rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 0.95rem;
  font-family: inherit;
}
.calc-field input:focus, .calc-field textarea:focus {
  outline: none;
  border-color: var(--navy-light);
}
.calc-result {
  margin-top: 1.4rem;
  padding-top: 1.2rem;
  border-top: 1px dashed var(--border);
}
.result-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.4rem 0;
  font-size: 0.92rem;
}
.result-row span { color: var(--text-muted); }
.result-row strong { color: var(--navy); }
.result-row-highlight {
  margin-top: 0.4rem;
  padding: 0.8rem 0.9rem;
  background: var(--bg-alt);
  border-radius: 8px;
  border-top: none;
}
.result-row-highlight span { color: var(--navy); font-weight: 600; }
.result-row-highlight strong { color: var(--gold); font-size: 1.05rem; }
.calc-disclaimer {
  margin: 1rem 0 0;
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.4;
}

/* About */
.about-inner {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 3rem;
  align-items: center;
}
.image-placeholder {
  aspect-ratio: 4 / 5;
  background: var(--bg-alt);
  border: 2px dashed var(--border);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-weight: 600;
}
.portrait-img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}
.about-stats {
  display: flex;
  gap: 2rem;
  margin-top: 1.5rem;
}
.about-stats strong { display: block; color: var(--navy); font-size: 1.2rem; }
.about-stats span { color: var(--text-muted); font-size: 0.82rem; }

/* Process */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}
.process-step { text-align: center; }
.step-number {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  margin: 0 auto 1rem;
}
.process-step h3 { color: var(--navy); margin: 0 0 0.5rem; }
.process-step p { color: var(--text-muted); margin: 0; font-size: 0.92rem; }

/* Kontakt */
.kontakt-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}
.kontakt-sub { color: #b9c6d8; margin-bottom: 2rem; }
.kontakt-list { list-style: none; padding: 0; margin: 0; }
.kontakt-list li {
  display: flex;
  flex-direction: column;
  padding: 0.9rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.kontakt-list li span:first-child {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gold-light);
  margin-bottom: 0.2rem;
}
.kontakt-list a { color: #fff; text-decoration: none; font-weight: 500; }
.kontakt-list a:hover { color: var(--gold-light); }

.kontakt-form {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 1.8rem;
}
.kontakt-form .calc-field label { color: #cfdaea; }
.kontakt-form input, .kontakt-form textarea {
  background: rgba(255,255,255,0.06);
  border-color: rgba(255,255,255,0.2);
  color: #fff;
}
.form-note { color: var(--gold-light); font-size: 0.85rem; margin-top: 1rem; }

/* Footer */
.site-footer {
  background: var(--navy-dark);
  color: #b9c6d8;
  padding: 1.5rem 0 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.footer-inner {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.8rem;
  font-size: 0.85rem;
}
.footer-links a { color: #b9c6d8; margin-left: 1.2rem; text-decoration: none; }
.footer-links a:hover { color: var(--gold-light); }

/* Responsive */
@media (max-width: 960px) {
  .risk-check-inner { grid-template-columns: 1fr; }
  .risk-orbit { order: -1; width: 240px; height: 240px; }
  .risk-badge-circle { width: 140px; height: 140px; }
  .risk-number { font-size: 2.2rem; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-video { order: -1; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .rechner-teaser-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-grid { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .about-inner { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .kontakt-inner { grid-template-columns: 1fr; }
}

@media (max-width: 760px) {
  .main-nav, .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .site-header.open .main-nav {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    padding: 1rem 1.5rem 1.5rem;
    gap: 1rem;
  }
  .services-grid { grid-template-columns: 1fr; }
  .rechner-teaser-grid { grid-template-columns: 1fr; }
}

/* Review-Karten: Vorschau & Aufklappen */
.review-title {
  margin: 0 0 0.6rem;
  color: var(--navy);
  font-size: 1rem;
  line-height: 1.4;
}
.review-toggle {
  display: block;
  background: none;
  border: none;
  padding: 0;
  margin: -0.4rem 0 1rem;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  text-decoration: underline;
  font-family: inherit;
}
.review-toggle:hover { color: var(--gold); }
.review-date {
  display: block;
  color: var(--text-muted);
  font-size: 0.8rem;
  margin-top: 0.25rem;
}