/* ==========================================================================
   Valoria JP GmbH – Designvariante 1 «Klar»
   Hell, sachlich, viel Weissraum. Eine Datei für alle drei Seiten.
   ========================================================================== */

/* ---------- 1. Grundwerte ---------- */
:root {
  --bg: #FFFFFF;
  --bg-alt: #F4F6F9;
  --text: #16202E;
  --muted: #5B6577;
  --line: #E2E6EC;
  --line-strong: #CBD2DB;
  --navy: #1B3A5C;
  --navy-hover: #142C47;
  --gold: #B08D57;
  --gold-tint: #F6F1E8;
  --mark: #8A93A3;
  --error: #B42318;

  --font-head: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --container: 1200px;
  --gutter: clamp(20px, 4vw, 40px);
  --section-y: clamp(88px, 11vw, 150px);
  --head-gap: clamp(56px, 6vw, 80px);
  --header-h: 84px;

  --r-card: 12px;
  --r-img: 16px;
  --r-btn: 8px;

  --shadow-panel: 0 16px 40px -12px rgba(22, 32, 46, .16), 0 2px 6px rgba(22, 32, 46, .04);
}

/* ---------- 2. Basis ---------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-padding-top: var(--header-h);
}

@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 1.0625rem; /* 17px */
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

@media (max-width: 1024px) {
  body.nav-open { overflow: hidden; }
}

[hidden] { display: none !important; }

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

a { color: var(--navy); text-underline-offset: 3px; text-decoration-thickness: 1px; }

h1, h2, h3 {
  margin: 0;
  font-family: var(--font-head);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--text);
  text-wrap: balance;
}

h1 { font-size: clamp(2.5rem, 5vw, 4rem); line-height: 1.06; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.9rem, 3.2vw, 2.75rem); line-height: 1.12; letter-spacing: -0.025em; }
h3 { font-size: 1.25rem; font-weight: 600; line-height: 1.3; letter-spacing: -0.015em; }

p { margin: 0; text-wrap: pretty; }

ul, ol { margin: 0; padding: 0; list-style: none; }

address { font-style: normal; }

button, input, select, textarea { font: inherit; color: inherit; }

:focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 3px;
  border-radius: 4px;
}

.icon { display: block; width: 24px; height: 24px; flex: none; }

.sr-only {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: -100px;
  left: 16px;
  z-index: 300;
  padding: 12px 18px;
  border-radius: var(--r-btn);
  background: var(--navy);
  color: #fff;
  font-weight: 600;
  text-decoration: none;
}

.skip-link:focus { top: 12px; outline-color: var(--gold); }

/* ---------- 3. Layout ---------- */
.container {
  width: 100%;
  max-width: calc(var(--container) + 2 * var(--gutter));
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.section { padding-block: var(--section-y); }
.section--alt { background: var(--bg-alt); }

/* Feine Trennlinie zwischen zwei weissen Abschnitten */
.section--rule { padding-top: 0; }
.section--rule > .container::before {
  content: "";
  display: block;
  height: 1px;
  margin-bottom: var(--section-y);
  background: var(--line);
}

.section-head { margin-bottom: var(--head-gap); }
.section-head h2 { max-width: 18ch; }
.section-head .lead { margin-top: 24px; }

.section-head--split {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
  gap: 28px clamp(40px, 6vw, 96px);
  align-items: end;
}
.section-head--split .lead { margin-top: 0; max-width: 30rem; }
.section-head--split .link-arrow { margin-top: 20px; }

.section-head--center { max-width: 760px; margin-inline: auto; text-align: center; }
.section-head--center h2 { margin-inline: auto; }
.section-head--center .kicker { justify-content: center; }

/* ---------- 4. Typo-Bausteine ---------- */
.kicker {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  line-height: 1.4;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--navy);
}

.kicker::before {
  content: "";
  flex: none;
  width: 28px;
  height: 2px;
  background: var(--gold);
}

.lead {
  font-size: clamp(1.0625rem, 1.35vw, 1.1875rem);
  line-height: 1.65;
  color: var(--muted);
}

/* ---------- 5. Buttons & Links ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 52px;
  padding: 12px 26px;
  border: 1px solid transparent;
  border-radius: var(--r-btn);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  white-space: nowrap;
  cursor: pointer;
  transition: background-color .2s ease, border-color .2s ease, color .2s ease;
}

.btn .icon { width: 18px; height: 18px; }

.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-hover); }

.btn-secondary { background: #fff; border-color: var(--line-strong); color: var(--text); }
.btn-secondary:hover { border-color: var(--navy); color: var(--navy); }

.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: #E8EDF3; }

.btn-outline-light { background: transparent; border-color: rgba(255, 255, 255, .55); color: #fff; }
.btn-outline-light:hover { border-color: #fff; background: rgba(255, 255, 255, .08); }

.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
}
.link-arrow .icon { width: 18px; height: 18px; }
.link-arrow:hover { color: var(--navy-hover); }
.link-arrow:hover span { text-decoration: underline; }

/* ---------- 6. Header & Navigation ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #fff;
  border-bottom: 1px solid var(--line);
  transition: box-shadow .2s ease;
}

.site-header.is-scrolled { box-shadow: 0 6px 24px -10px rgba(22, 32, 46, .14); }

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: var(--header-h);
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex: none;
  color: var(--text);
  text-decoration: none;
}

.logo-mark { display: block; width: 38px; height: 35px; color: var(--gold); }

.logo-text { display: flex; flex-direction: column; line-height: 1; }

.logo-name {
  font-family: var(--font-head);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: .16em;
  color: var(--navy);
}

.logo-sub {
  margin-top: 6px;
  font-size: .625rem;
  font-weight: 600;
  letter-spacing: .34em;
  color: var(--muted);
}

.nav-toggle { display: none; }

.site-nav { display: flex; align-items: center; gap: 20px; }

.nav-list { display: flex; align-items: center; gap: 2px; }

.nav-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px;
  border: 0;
  border-radius: var(--r-btn);
  background: none;
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 500;
  line-height: 1.4;
  color: var(--text);
  text-decoration: none;
  white-space: nowrap;
  cursor: pointer;
  transition: color .2s ease;
}

.nav-link:hover { color: var(--navy); }

.chev { display: block; width: 16px; height: 16px; transition: transform .2s ease; }

/* Aktive Seite */
.nav-link[aria-current="page"],
.has-dropdown:has([aria-current="page"]) > .nav-link { color: var(--navy); }

.nav-cta { min-height: 44px; padding: 10px 20px; font-size: 15px; }

.dropdown a {
  display: block;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 500;
  line-height: 1.4;
  color: var(--text);
  text-decoration: none;
  white-space: nowrap;
  transition: background-color .15s ease, color .15s ease;
}

.dropdown a:hover { background: var(--bg-alt); color: var(--navy); }

.dropdown a[aria-current="page"] { background: var(--bg-alt); color: var(--navy); font-weight: 600; }

@media (min-width: 1025px) {
  .nav-link[aria-current="page"]::after,
  .has-dropdown:has([aria-current="page"]) > .nav-link::after {
    content: "";
    position: absolute;
    left: 14px;
    right: 14px;
    bottom: 2px;
    height: 2px;
    border-radius: 2px;
    background: var(--gold);
  }

  .has-dropdown { position: relative; }

  .dropdown {
    position: absolute;
    top: calc(100% + 30px);
    left: 50%;
    z-index: 10;
    min-width: 220px;
    padding: 8px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 12px;
    box-shadow: var(--shadow-panel);
    opacity: 0;
    visibility: hidden;
    transform: translate(-50%, 6px);
    transition: opacity .18s ease, transform .18s ease, visibility 0s linear .18s;
  }

  /* Unsichtbare Brücke, damit das Panel beim Überfahren offen bleibt */
  .dropdown::before {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    top: -32px;
    height: 32px;
  }

  /* Dienstleistungen: zwei Spalten */
  .dropdown:has(> li:nth-child(5)) {
    display: grid;
    grid-template-columns: repeat(2, minmax(180px, 1fr));
    grid-template-rows: repeat(4, auto);
    grid-auto-flow: column;
    column-gap: 4px;
  }

  .has-dropdown:hover > .dropdown,
  .has-dropdown.is-open > .dropdown,
  .has-dropdown:has(:focus-visible) > .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translate(-50%, 0);
    transition: opacity .18s ease, transform .18s ease, visibility 0s;
  }

  .has-dropdown:hover > .dropdown-toggle .chev,
  .has-dropdown.is-open > .dropdown-toggle .chev,
  .has-dropdown:has(:focus-visible) > .dropdown-toggle .chev { transform: rotate(180deg); }

  /* Ältere Browser ohne :has() */
  @supports not selector(:has(*)) {
    .has-dropdown:focus-within > .dropdown {
      opacity: 1;
      visibility: visible;
      transform: translate(-50%, 0);
    }
  }
}

@media (min-width: 1025px) and (max-width: 1180px) {
  .site-nav { gap: 12px; }
  .nav-link { padding-inline: 10px; }
  .nav-link[aria-current="page"]::after,
  .has-dropdown:has([aria-current="page"]) > .nav-link::after { left: 10px; right: 10px; }
  .nav-cta { padding-inline: 16px; }
}

@media (min-width: 1025px) and (max-width: 1100px) {
  .header-inner { gap: 16px; }
  .site-nav { gap: 8px; }
  .nav-link { padding-inline: 8px; font-size: 14.5px; }
  .nav-link[aria-current="page"]::after,
  .has-dropdown:has([aria-current="page"]) > .nav-link::after { left: 8px; right: 8px; }
  .nav-cta { padding-inline: 14px; font-size: 14.5px; }
}

/* ---------- 7. Hero ---------- */
.hero {
  padding-top: clamp(56px, 7vw, 104px);
  padding-bottom: clamp(80px, 9vw, 128px);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(0, 1fr);
  gap: clamp(40px, 6vw, 88px);
  align-items: center;
}

.hero h1 { margin-bottom: 28px; }
.hero .lead { max-width: 33rem; margin-bottom: 40px; }

.note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .9375rem;
  line-height: 1.5;
  color: var(--muted);
}
.note .icon { width: 18px; height: 18px; margin-top: 2px; color: var(--gold); }
.hero .note { margin-top: 28px; }

.media {
  overflow: hidden;
  border-radius: var(--r-img);
  background: var(--bg-alt);
}
.media img { width: 100%; height: 100%; object-fit: cover; object-position: 78% 50%; }

.media--4-3 { aspect-ratio: 4 / 3; }
.media--3-2 { aspect-ratio: 3 / 2; }

/* ---------- 8. Über Valoria ---------- */
.intro { max-width: 720px; margin-inline: auto; text-align: center; }
.intro .kicker { justify-content: center; }
.intro h2 { margin-bottom: 28px; }
.intro .lead { margin-bottom: 36px; }

/* ---------- 9. Karten allgemein ---------- */
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-card);
}

.icon-box {
  display: grid;
  place-items: center;
  flex: none;
  width: 56px;
  height: 56px;
  border-radius: 12px;
  background: var(--gold-tint);
  color: var(--gold);
}
.icon-box .icon { width: 28px; height: 28px; }

.icon-box--sm { width: 48px; height: 48px; border-radius: 10px; }
.icon-box--sm .icon { width: 22px; height: 22px; }

/* ---------- 10. Für wen ---------- */
.audience-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(20px, 2.5vw, 32px);
}

.audience-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: clamp(32px, 4.5vw, 56px);
  scroll-margin-top: 32px;
}

.audience-card .icon-box { margin-bottom: 40px; }
.audience-title { font-size: clamp(1.625rem, 2.4vw, 2rem); }
.audience-sub { margin-top: 6px; font-weight: 500; color: var(--navy); }
.audience-text { margin-top: 20px; max-width: 34rem; color: var(--muted); }
.audience-card .link-arrow { margin-top: auto; padding-top: 36px; }

/* ---------- 11. Dienstleistungen ---------- */
.service-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.service-grid > li { display: flex; }

.service-card {
  display: flex;
  flex-direction: column;
  width: 100%;
  padding: 32px 28px 28px;
  color: var(--text);
  text-decoration: none;
  transition: border-color .2s ease, box-shadow .2s ease;
}

.service-card:hover {
  border-color: var(--navy);
  box-shadow: 0 10px 28px -16px rgba(22, 32, 46, .22);
}

.service-card .service-icon { width: 32px; height: 32px; color: var(--gold); }
.service-card h3 { margin-top: 32px; }
.service-card p { margin-top: 10px; font-size: .9375rem; line-height: 1.6; color: var(--muted); }

.card-arrow { margin-top: auto; padding-top: 28px; color: var(--navy); }
.card-arrow .icon { width: 20px; height: 20px; }

/* ---------- 12. So arbeiten wir ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.step { position: relative; padding-right: 28px; }

.step-num {
  position: relative;
  z-index: 1;
  display: grid;
  place-items: center;
  width: 56px;
  height: 56px;
  border: 1.5px solid var(--navy);
  border-radius: 50%;
  background: #fff;
  font-family: var(--font-head);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy);
}

.step:not(:last-child)::after {
  content: "";
  position: absolute;
  top: 28px;
  left: 56px;
  right: 0;
  height: 1px;
  background: var(--line-strong);
}

.step h3 { margin-top: 28px; font-size: 1.1875rem; }
.step p { margin-top: 10px; font-size: .9375rem; line-height: 1.6; color: var(--muted); }

.steps-cta { display: flex; justify-content: center; margin-top: var(--head-gap); }

/* ---------- 13. Werte ---------- */
.values {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 48px clamp(32px, 5vw, 72px);
}

.value {
  position: relative;
  padding-top: 36px;
  border-top: 1px solid var(--line);
}

.value::before {
  content: "";
  position: absolute;
  top: -1px;
  left: 0;
  width: 48px;
  height: 2px;
  background: var(--gold);
}

.value h3 { font-size: 1.5rem; font-weight: 700; letter-spacing: -0.02em; }
.value p { margin-top: 14px; color: var(--muted); }

/* ---------- 14. Partner ---------- */
.partner-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 1px;
  overflow: hidden;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--r-card);
}

.partner-grid li {
  display: grid;
  place-items: center;
  min-height: 108px;
  padding: 16px 12px;
  background: #fff;
  font-family: var(--font-head);
  font-size: 1.125rem;
  font-weight: 600;
  line-height: 1.25;
  letter-spacing: -0.01em;
  text-align: center;
  color: var(--mark);
}

/* ---------- 15. Abschluss-CTA ---------- */
.cta-band {
  padding-block: clamp(80px, 10vw, 128px);
  background: var(--navy);
  color: #fff;
}

.cta-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 40px 80px;
  align-items: center;
}

.cta-band h2 { max-width: 20ch; color: #fff; }
.cta-band p { max-width: 36rem; margin-top: 20px; font-size: 1.125rem; color: rgba(255, 255, 255, .8); }
.cta-band :focus-visible { outline-color: #fff; }

/* ---------- 16. Footer ---------- */
.site-footer {
  padding-top: clamp(72px, 8vw, 104px);
  background: var(--bg-alt);
  border-top: 1px solid var(--line);
  font-size: .9375rem;
  color: var(--muted);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.6fr) repeat(3, minmax(0, 1fr));
  gap: 48px clamp(32px, 4vw, 64px);
  padding-bottom: clamp(56px, 6vw, 88px);
}

.footer-brand .logo { margin-bottom: 22px; }
.footer-claim { max-width: 22rem; }

.finma {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  max-width: 23rem;
  margin-top: 28px;
  padding: 16px 18px;
  background: #fff;
  border: 1px solid var(--line-strong);
  border-radius: var(--r-card);
  font-size: .875rem;
  line-height: 1.5;
  color: var(--text);
  text-decoration: none;
  transition: border-color .2s ease;
}
.finma:hover { border-color: var(--navy); }
.finma:hover .finma-nr { text-decoration: underline; }
.finma .icon { width: 26px; height: 26px; margin-top: 1px; color: var(--gold); }
.finma-text { display: block; }
.finma-sep { display: none; }
.finma-nr { display: block; margin-top: 4px; font-weight: 600; color: var(--navy); }

.footer-title {
  margin-bottom: 20px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  line-height: 1.4;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--text);
}

.footer-links li + li { margin-top: 10px; }
.footer-links a { color: var(--muted); text-decoration: none; }
.footer-links a:hover { color: var(--navy); text-decoration: underline; }
.footer-links a[aria-current="page"] { color: var(--navy); font-weight: 500; }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px 24px;
  padding-block: 26px 34px;
  border-top: 1px solid var(--line);
  font-size: .875rem;
}

.footer-legal { display: flex; flex-wrap: wrap; gap: 8px 28px; }
.footer-legal a { color: var(--muted); text-decoration: none; }
.footer-legal a:hover { color: var(--navy); text-decoration: underline; }

/* ---------- 17. Unterseiten: Seitenkopf ---------- */
.page-head {
  padding-block: clamp(40px, 5vw, 64px) clamp(80px, 9vw, 120px);
  background: var(--bg-alt);
}

.breadcrumb { margin-bottom: clamp(40px, 5vw, 64px); }
.breadcrumb ol { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 10px; font-size: .875rem; color: var(--muted); }
.breadcrumb li { display: flex; align-items: center; gap: 10px; }
.breadcrumb li + li::before { content: "›"; content: "›" / ""; color: var(--mark); }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); text-decoration: underline; }
.breadcrumb [aria-current="page"] { font-weight: 500; color: var(--text); }

.page-head-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(40px, 6vw, 88px);
  align-items: center;
}

.page-head h1 { margin-bottom: 24px; }
.page-head .lead { max-width: 33rem; margin-bottom: 40px; }

.page-head--simple { padding-block: clamp(64px, 8vw, 112px); }
.page-head--simple .lead { max-width: 40rem; margin-bottom: 0; }

/* ---------- 18. Versicherungen ---------- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.feature-card {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 20px 28px;
  align-items: start;
  padding: clamp(28px, 3.5vw, 44px);
}

.feature-card h3 { margin-top: 13px; font-size: 1.3125rem; }
.feature-card p { margin-top: 10px; color: var(--muted); }

.list-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(20px, 2.5vw, 32px);
}

.list-card { padding: clamp(32px, 4.5vw, 56px); }

.list-card-head { display: flex; align-items: center; gap: 20px; margin-bottom: 32px; }
.list-card-head h3 { font-size: clamp(1.375rem, 2vw, 1.625rem); font-weight: 700; letter-spacing: -0.02em; }

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding-block: 15px;
  border-top: 1px solid var(--line);
}
.check-list li:last-child { padding-bottom: 0; }
.check-list .icon { width: 20px; height: 20px; margin-top: 4px; color: var(--gold); }

.faq-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 2fr);
  gap: 40px clamp(40px, 6vw, 96px);
  align-items: start;
}

.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }

.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-block: 28px;
  font-family: var(--font-head);
  font-size: clamp(1.125rem, 1.6vw, 1.3125rem);
  font-weight: 600;
  line-height: 1.35;
  letter-spacing: -0.015em;
  color: var(--text);
  list-style: none;
  cursor: pointer;
  transition: color .2s ease;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--navy); }

.faq-icon {
  display: grid;
  place-items: center;
  flex: none;
  width: 36px;
  height: 36px;
  border: 1px solid var(--line-strong);
  border-radius: 50%;
  color: var(--navy);
  transition: background-color .2s ease, border-color .2s ease, color .2s ease;
}
.faq-icon svg { display: block; width: 16px; height: 16px; transition: transform .2s ease; }
.faq-item summary:hover .faq-icon { border-color: var(--navy); }
.faq-item[open] .faq-icon { background: var(--navy); border-color: var(--navy); color: #fff; }
.faq-item[open] .faq-icon svg { transform: rotate(45deg); }

.faq-answer { max-width: 44rem; padding: 0 60px 30px 0; color: var(--muted); }

/* ---------- 19. Kontakt ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: 56px clamp(48px, 7vw, 112px);
  align-items: start;
}

.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding-block: 26px;
  border-bottom: 1px solid var(--line);
}
.contact-list li:first-child { padding-top: 0; }

.contact-label {
  display: block;
  margin-bottom: 4px;
  font-size: 13px;
  font-weight: 600;
  line-height: 1.4;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
}

.contact-value { display: block; font-size: 1.125rem; font-weight: 500; line-height: 1.55; color: var(--text); }
a.contact-value { color: var(--navy); text-decoration: none; }
a.contact-value:hover { text-decoration: underline; }

.contact-list + .note {
  margin-top: 32px;
  padding: 18px 20px;
  border-radius: var(--r-card);
  background: var(--bg-alt);
}

.form-card {
  padding: clamp(28px, 4vw, 48px);
  box-shadow: 0 1px 2px rgba(22, 32, 46, .04), 0 18px 40px -24px rgba(22, 32, 46, .14);
}

.form-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 20px; }

.field { margin-bottom: 24px; }

.field label {
  display: block;
  margin-bottom: 8px;
  font-size: .9375rem;
  font-weight: 500;
  line-height: 1.4;
  color: var(--text);
}

.field input:not([type="checkbox"]),
.field select,
.field textarea {
  display: block;
  width: 100%;
  height: 52px;
  padding: 0 16px;
  background: #fff;
  border: 1px solid var(--line-strong);
  border-radius: var(--r-btn);
  font-size: 1rem;
  color: var(--text);
  appearance: none;
  -webkit-appearance: none;
  transition: border-color .15s ease, box-shadow .15s ease;
}

.field textarea {
  height: auto;
  min-height: 148px;
  padding: 14px 16px;
  line-height: 1.55;
  resize: vertical;
}

.field select {
  padding-right: 48px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235B6577' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  background-size: 18px;
  cursor: pointer;
}

.field input:not([type="checkbox"]):hover,
.field select:hover,
.field textarea:hover { border-color: #A9B3C0; }

.field input:not([type="checkbox"]):focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(27, 58, 92, .16);
}

.field-check {
  display: grid;
  grid-template-columns: 20px minmax(0, 1fr);
  gap: 6px 12px;
  align-items: start;
  margin-top: 4px;
  margin-bottom: 32px;
}

.field-check input {
  width: 20px;
  height: 20px;
  margin: 2px 0 0;
  accent-color: var(--navy);
  cursor: pointer;
}

.field-check label { margin: 0; font-size: .9375rem; font-weight: 400; line-height: 1.55; color: var(--muted); }
.field-check .field-error { grid-column: 2; margin-top: 0; }

.field-error { display: none; margin-top: 8px; font-size: .875rem; line-height: 1.45; color: var(--error); }
.field.has-error .field-error { display: block; }

.field.has-error input:not([type="checkbox"]),
.field.has-error select,
.field.has-error textarea { border-color: var(--error); }
.field.has-error input:not([type="checkbox"]):focus { box-shadow: 0 0 0 3px rgba(180, 35, 24, .14); }
.field-check.has-error input { outline: 2px solid var(--error); outline-offset: 2px; }

.contact-form .btn { min-width: 220px; }

.form-success {
  margin-top: 24px;
  padding: 16px 18px;
  border: 1px solid #C7DCCD;
  border-radius: var(--r-btn);
  background: #F0F6F2;
  font-size: .9375rem;
  color: #1F4B31;
}

/* ---------- 20. Responsive ---------- */
@media (max-width: 1024px) {
  :root { --header-h: 72px; }

  .logo-mark { width: 34px; height: 31px; }
  .logo-name { font-size: 1.125rem; }

  .nav-toggle {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
    width: 44px;
    height: 44px;
    margin-right: -10px;
    padding: 0;
    border: 0;
    border-radius: var(--r-btn);
    background: none;
    cursor: pointer;
  }

  .nav-toggle-bar {
    display: block;
    width: 22px;
    height: 2px;
    border-radius: 2px;
    background: var(--text);
    transition: transform .2s ease, opacity .2s ease;
  }

  .nav-toggle.is-open .nav-toggle-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle.is-open .nav-toggle-bar:nth-child(2) { opacity: 0; }
  .nav-toggle.is-open .nav-toggle-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  .site-nav {
    position: fixed;
    top: calc(var(--header-h) + 1px);
    left: 0;
    right: 0;
    bottom: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px var(--gutter) 40px;
    overflow-y: auto;
    background: #fff;
    opacity: 0;
    visibility: hidden;
    transition: opacity .2s ease, visibility 0s linear .2s;
  }

  .site-nav.is-open { opacity: 1; visibility: visible; transition: opacity .2s ease, visibility 0s; }

  .nav-list { flex-direction: column; align-items: stretch; gap: 0; }
  .nav-list > li { border-bottom: 1px solid var(--line); }

  .nav-link {
    width: 100%;
    justify-content: space-between;
    padding: 18px 0;
    border-radius: 0;
    font-size: 1.125rem;
  }

  .nav-link[aria-current="page"],
  .has-dropdown:has([aria-current="page"]) > .nav-link { font-weight: 600; }

  .chev { width: 20px; height: 20px; }

  .dropdown { display: none; padding: 0 0 16px; }
  .has-dropdown.is-open > .dropdown { display: block; }
  .has-dropdown.is-open > .dropdown:has(> li:nth-child(5)) {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    grid-template-rows: repeat(4, auto);
    grid-auto-flow: column;
    column-gap: 8px;
  }
  .has-dropdown.is-open > .dropdown-toggle .chev { transform: rotate(180deg); }

  .dropdown a { padding: 11px 14px; font-size: 1rem; color: var(--muted); white-space: normal; }

  .nav-cta { width: 100%; min-height: 52px; margin-top: 28px; font-size: 1rem; }

  .service-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .partner-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }

  .footer-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 960px) {
  .steps { grid-template-columns: minmax(0, 1fr); max-width: 560px; margin-inline: auto; }

  .step {
    display: grid;
    grid-template-columns: 56px minmax(0, 1fr);
    column-gap: 24px;
    padding: 0 0 40px;
  }
  .step:last-child { padding-bottom: 0; }
  .step-num { grid-row: 1 / span 2; }
  .step h3 { grid-column: 2; margin-top: 14px; }
  .step p { grid-column: 2; }

  .step:not(:last-child)::after { top: 56px; bottom: 0; left: 28px; right: auto; width: 1px; height: auto; }
}

@media (max-width: 900px) {
  .hero-grid,
  .page-head-grid,
  .section-head--split,
  .cta-grid,
  .faq-grid,
  .contact-grid { grid-template-columns: minmax(0, 1fr); }

  .section-head--split { align-items: start; }
  .hero-media { aspect-ratio: 3 / 2; }
  .cta-band h2 { max-width: 22ch; }
}

@media (max-width: 760px) {
  .audience-grid,
  .feature-grid,
  .list-grid,
  .values { grid-template-columns: minmax(0, 1fr); }
  .values { gap: 40px; }
}

@media (max-width: 600px) {
  .service-grid { grid-template-columns: minmax(0, 1fr); gap: 12px; }

  /* Kompakte Dienstleistungskarten: Icon neben Titel */
  .service-card {
    display: grid;
    grid-template-columns: 28px minmax(0, 1fr) 20px;
    column-gap: 16px;
    align-items: start;
    padding: 22px 20px;
  }
  .service-card .service-icon { grid-row: 1 / span 2; width: 28px; height: 28px; }
  .service-card h3 { grid-column: 2; margin-top: 1px; font-size: 1.125rem; }
  .service-card p { grid-column: 2; margin-top: 4px; }
  .card-arrow { grid-column: 3; grid-row: 1; margin-top: 3px; padding-top: 0; }

  .partner-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .partner-grid li { min-height: 76px; font-size: 1rem; }

  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px 24px; }
  .footer-col--contact { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }

  .form-row { grid-template-columns: minmax(0, 1fr); }

  .btn-row .btn,
  .contact-form .btn { width: 100%; }

  .feature-card { grid-template-columns: minmax(0, 1fr); }
  .feature-card h3 { margin-top: 0; }

  .faq-answer { padding-right: 0; }
  .audience-card .icon-box { margin-bottom: 32px; }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after { transition-duration: .01ms !important; }
}