/* ==========================================================================
   Valoria JP GmbH – Variante 3 «Warm»
   Creme und Navy, modern und nahbar
   ========================================================================== */

:root {
  --cream: #F8F4EE;
  --white: #FFFFFF;
  --beige: #EFE7DB;
  --navy: #14233B;
  --navy-2: #1E3252;
  --text: #1C2230;
  --muted: #5D6370;
  --gold: #B68D55;
  --gold-light: #E3C79B;
  --gold-dark: #8A6A3B;
  --line: #E5DCCD;
  --field-bg: #FBF9F5;
  --error: #B42318;

  --kicker: var(--gold-dark);

  --radius-card: 20px;
  --radius-img: 24px;
  --radius-block: 32px;
  --shadow: 0 10px 30px rgba(20, 35, 59, .08);
  --shadow-hover: 0 18px 44px rgba(20, 35, 59, .14);

  --section-y: clamp(88px, 11vw, 150px);
  --gutter: clamp(20px, 4vw, 40px);
  --header-h: 84px;

  --font-head: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "DM Sans", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
}

/* ---------- Basis ---------- */

*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
}

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

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

h1, h2, h3, p, ul, ol, figure, address { margin: 0; }
address { font-style: normal; }
.nowrap { white-space: nowrap; }
ul, ol { padding: 0; list-style: none; }
a { color: inherit; }
button, input, select, textarea { font: inherit; color: inherit; }
[hidden] { display: none !important; }

h1, h2, h3 {
  font-family: var(--font-head);
  font-optical-sizing: auto;
  font-weight: 500;
  color: var(--navy);
  line-height: 1.12;
  letter-spacing: -0.015em;
  text-wrap: balance;
}
h1 {
  font-size: clamp(2.6rem, 5.6vw, 4.5rem);
  line-height: 1.04;
  letter-spacing: -0.025em;
}
h2 {
  font-size: clamp(2rem, 3.4vw, 2.9rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
}
h3 {
  font-size: 1.375rem;
  line-height: 1.25;
}

p { text-wrap: pretty; }

.icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
}

/* Fokus: gut sichtbar auf hellem und dunklem Grund */
:focus-visible {
  outline: 3px solid var(--navy);
  outline-offset: 3px;
  border-radius: 6px;
}
.site-header :focus-visible,
.on-dark :focus-visible,
.site-footer :focus-visible {
  outline-color: var(--gold-light);
}

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

.skip-link {
  position: absolute;
  top: -120px;
  left: 16px;
  z-index: 300;
  padding: 12px 22px;
  border-radius: 999px;
  background: var(--gold-light);
  color: var(--navy);
  font-weight: 600;
  text-decoration: none;
}
.skip-link:focus { top: 14px; }

.container {
  width: min(1200px, 100% - 2 * var(--gutter));
  margin-inline: auto;
}

.section { padding-block: var(--section-y); }
.bg-beige {
  background: var(--beige);
  --kicker: #75582F; /* dunkler, damit 13px auf Beige AA erreicht */
}

/* ---------- Typo-Bausteine ---------- */

.kicker {
  display: inline-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(--kicker);
}
.kicker::before {
  content: "";
  width: 22px;
  height: 1.5px;
  background: var(--gold);
}
.center .kicker::after {
  content: "";
  width: 22px;
  height: 1.5px;
  background: var(--gold);
}

.lead {
  margin-top: 24px;
  font-size: clamp(1.0625rem, 1.3vw, 1.1875rem);
  color: var(--muted);
}

.section-head {
  max-width: 720px;
  margin-bottom: clamp(48px, 6vw, 76px);
}
.section-head.center {
  margin-inline: auto;
  text-align: center;
}
.section-head .lead { margin-top: 20px; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding-bottom: 4px;
  border-bottom: 1.5px solid var(--gold);
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
  transition: border-color .2s, color .2s;
}
.link-arrow .icon { width: 18px; height: 18px; }
.link-arrow:hover { border-bottom-color: var(--navy); }

.hint {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: .9375rem;
  color: var(--muted);
}
.hint-check {
  display: inline-grid;
  place-items: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--beige);
  color: var(--navy);
  flex-shrink: 0;
}
.hint-check .icon { width: 15px; height: 15px; stroke-width: 2; }

.icon-circle {
  display: inline-grid;
  place-items: center;
  flex-shrink: 0;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--beige);
  color: var(--navy);
}
.icon-circle .icon { width: 28px; height: 28px; }
.icon-circle.lg { width: 72px; height: 72px; }
.icon-circle.lg .icon { width: 32px; height: 32px; }

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 54px;
  padding: 14px 28px;
  border: 1.5px solid transparent;
  border-radius: 999px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 500;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: background-color .2s, color .2s, border-color .2s, box-shadow .2s;
}
.btn .icon { width: 18px; height: 18px; }

.btn-primary {
  background: var(--navy);
  color: #fff;
}
.btn-primary:hover {
  background: var(--navy-2);
  box-shadow: 0 8px 22px rgba(20, 35, 59, .2);
}

.btn-secondary {
  background: transparent;
  border-color: rgba(20, 35, 59, .3);
  color: var(--navy);
}
.btn-secondary:hover {
  background: #fff;
  border-color: var(--navy);
}

.btn-gold {
  background: var(--gold-light);
  color: var(--navy);
}
.btn-gold:hover { background: #EDD8B6; }

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

/* ---------- Header ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  color: #fff;
  transition: box-shadow .25s;
}
.site-header.is-scrolled {
  box-shadow: 0 8px 28px rgba(10, 18, 32, .22);
}

.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;
  color: #fff;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-mark {
  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: 1.3rem;
  font-weight: 600;
  letter-spacing: .16em;
}
.logo-sub {
  margin-top: 6px;
  font-size: .625rem;
  font-weight: 500;
  letter-spacing: .38em;
  color: rgba(255, 255, 255, .62);
}

.site-nav {
  display: flex;
  align-items: center;
  gap: clamp(16px, 2vw, 32px);
}
.nav-list {
  display: flex;
  align-items: center;
  gap: clamp(0px, .6vw, 8px);
}

.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 12px;
  border: 0;
  border-radius: 999px;
  background: none;
  color: rgba(255, 255, 255, .85);
  font-size: .96875rem;
  font-weight: 500;
  line-height: 1.3;
  text-decoration: none;
  white-space: nowrap;
  cursor: pointer;
  transition: background-color .2s, color .2s;
}
.nav-link:hover {
  color: #fff;
  background: rgba(255, 255, 255, .08);
}
.nav-link[aria-current="page"],
.has-dropdown:has([aria-current="page"]) > .dropdown-toggle {
  color: #fff;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-decoration-thickness: 2px;
  text-underline-offset: 8px;
}

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

.nav-cta.btn {
  min-height: 46px;
  padding: 11px 24px;
  background: var(--gold-light);
  color: var(--navy);
  font-size: .96875rem;
  white-space: nowrap;
}
.nav-cta.btn:hover {
  background: #EDD8B6;
  box-shadow: none;
}

.nav-toggle {
  display: none;
  position: relative;
  width: 48px;
  height: 48px;
  padding: 0;
  border: 0;
  border-radius: 999px;
  background: rgba(255, 255, 255, .08);
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  cursor: pointer;
}
.nav-toggle-bar {
  display: block;
  width: 22px;
  height: 2px;
  border-radius: 2px;
  background: #fff;
  transition: transform .2s, opacity .2s;
}
.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); }

/* Desktop-Dropdown */
@media (min-width: 1025px) {
  .has-dropdown { position: relative; }

  .dropdown {
    position: absolute;
    top: calc(100% + 32px);
    left: 50%;
    z-index: 10;
    min-width: 230px;
    padding: 10px;
    border-radius: 18px;
    background: #fff;
    box-shadow: 0 22px 50px rgba(10, 18, 32, .22);
    opacity: 0;
    visibility: hidden;
    transform: translateX(-50%);
    transition: opacity .18s, visibility .18s;
  }
  /* unsichtbare Brücke, damit Hover beim Wechsel ins Panel nicht abbricht */
  .dropdown::before {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    top: -34px;
    height: 34px;
  }
  .nav-list > li:nth-child(3) > .dropdown {
    display: grid;
    grid-template-columns: repeat(2, minmax(172px, 1fr));
    column-gap: 4px;
  }

  .has-dropdown:hover > .dropdown,
  .has-dropdown:focus-within > .dropdown,
  .has-dropdown.is-open > .dropdown {
    opacity: 1;
    visibility: visible;
  }
  .has-dropdown:hover .chev,
  .has-dropdown:focus-within .chev,
  .has-dropdown.is-open .chev { transform: rotate(180deg); }
  .has-dropdown:hover > .nav-link { color: #fff; background: rgba(255, 255, 255, .08); }

  .dropdown a {
    display: block;
    padding: 11px 16px;
    border-radius: 12px;
    color: var(--navy);
    font-size: .96875rem;
    font-weight: 500;
    text-decoration: none;
    white-space: nowrap;
    transition: background-color .15s;
  }
  .dropdown a:hover { background: var(--cream); }
  .dropdown a[aria-current="page"] {
    background: var(--beige);
    font-weight: 600;
  }
  .dropdown :focus-visible { outline-color: var(--navy); outline-offset: 0; }
}

@media (min-width: 1025px) and (max-width: 1180px) {
  .logo-name { font-size: 1.15rem; }
  .nav-link { padding-inline: 8px; font-size: .9375rem; }
  .nav-cta.btn { padding-inline: 18px; }
}

/* ---------- Hero ---------- */

.hero {
  padding-top: clamp(64px, 8vw, 112px);
  padding-bottom: var(--section-y);
}
.hero-content {
  max-width: 820px;
  margin-inline: auto;
  text-align: center;
}
.hero h1 em {
  font-style: italic;
  font-weight: 500;
}
.hero .lead {
  max-width: 640px;
  margin: 28px auto 0;
}
.hero .btn-row {
  justify-content: center;
  margin-top: 40px;
}
.hero .hint { margin-top: 26px; }

.hero-media {
  position: relative;
  margin-top: clamp(56px, 7vw, 96px);
}
.hero-media img {
  width: 100%;
  aspect-ratio: 21 / 9;
  object-fit: cover;
  object-position: 50% 28%;
  border-radius: var(--radius-img);
}
.hero-badge {
  position: absolute;
  left: clamp(16px, 2.5vw, 32px);
  bottom: clamp(16px, 2.5vw, 32px);
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 12px 22px 12px 12px;
  border-radius: 18px;
  background: #fff;
  box-shadow: 0 14px 36px rgba(20, 35, 59, .16);
  color: var(--navy);
  font-size: .96875rem;
  font-weight: 500;
  line-height: 1.3;
}
.hero-badge .icon-circle {
  width: 42px;
  height: 42px;
  background: var(--navy);
  color: var(--gold-light);
}
.hero-badge .icon-circle .icon { width: 20px; height: 20px; stroke-width: 2; }

/* ---------- Über Valoria ---------- */

.split {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: clamp(40px, 7vw, 112px);
  align-items: center;
}
.split-media img {
  width: 100%;
  aspect-ratio: 5 / 4;
  object-fit: cover;
  object-position: 84% 50%;
  border-radius: var(--radius-img);
}
.split-text .lead { margin-top: 24px; }
.split-text .link-arrow { margin-top: 36px; }

/* ---------- Für wen ---------- */

.audience-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(20px, 2.5vw, 32px);
}
.audience-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: clamp(32px, 4.5vw, 64px);
  border-radius: var(--radius-card);
  background: #fff;
  box-shadow: var(--shadow);
}
.audience-card h2 {
  margin-top: 36px;
  font-size: clamp(1.9rem, 2.7vw, 2.5rem);
}
.audience-sub {
  margin-top: 6px;
  font-family: var(--font-head);
  font-size: 1.25rem;
  font-style: italic;
  color: var(--muted);
}
.audience-text {
  flex-grow: 1;
  max-width: 46ch;
  margin-top: 22px;
  color: var(--muted);
}
.audience-card .link-arrow { margin-top: 36px; }

.audience-card.is-dark {
  background: var(--navy);
  box-shadow: none;
  color: #fff;
}
.is-dark h2 { color: #fff; }
.is-dark .audience-sub { color: rgba(255, 255, 255, .74); }
.is-dark .audience-text { color: rgba(255, 255, 255, .8); }
.is-dark .icon-circle { background: var(--navy-2); color: var(--gold); }
.is-dark .link-arrow { color: #fff; }
.is-dark .link-arrow:hover { border-bottom-color: #fff; }

/* ---------- Dienstleistungen ---------- */

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
}
.service-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  height: 100%;
  padding: 32px 28px 28px;
  border-radius: var(--radius-card);
  background: #fff;
  box-shadow: var(--shadow);
  color: var(--text);
  text-decoration: none;
  transition: box-shadow .25s;
}
.service-card:hover { box-shadow: var(--shadow-hover); }
.service-card h3 { margin-top: 28px; }
.service-card p {
  flex-grow: 1;
  margin-top: 10px;
  font-size: 1rem;
  line-height: 1.6;
  color: var(--muted);
}
.card-arrow {
  display: inline-grid;
  place-items: center;
  width: 38px;
  height: 38px;
  margin-top: 24px;
  border: 1px solid var(--line);
  border-radius: 50%;
  color: var(--navy);
  transition: background-color .2s, color .2s, border-color .2s;
}
.card-arrow .icon { width: 18px; height: 18px; }
.service-card:hover .card-arrow {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}

/* ---------- So arbeiten wir ---------- */

.section-process { padding-bottom: 0; }
.process-block {
  display: grid;
  grid-template-columns: 1fr auto;
  grid-template-areas:
    "head cta"
    "steps steps";
  align-items: end;
  column-gap: 32px;
  row-gap: clamp(44px, 5vw, 64px);
  width: min(1320px, 100% - 2 * var(--gutter));
  margin-inline: auto;
  padding: clamp(56px, 7vw, 104px) clamp(24px, 5vw, 60px);
  border-radius: var(--radius-block);
  background: var(--navy);
  color: #fff;
}
.process-head { grid-area: head; max-width: 640px; }
.process-head .kicker { color: var(--gold-light); }
.process-head h2 { color: #fff; }
.process-cta { grid-area: cta; }
.steps {
  grid-area: steps;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 16px;
}
.step {
  padding: 28px 24px 32px;
  border-radius: var(--radius-card);
  background: var(--navy-2);
}
.step-num {
  display: block;
  font-family: var(--font-head);
  font-size: 2.25rem;
  font-weight: 500;
  line-height: 1;
  color: var(--gold);
}
.step h3 {
  margin-top: 32px;
  font-size: 1.25rem;
  color: #fff;
}
.step p {
  margin-top: 10px;
  font-size: .96875rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, .78);
}

/* ---------- Werte ---------- */

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(40px, 5vw, 72px);
  text-align: center;
}
.value .icon-circle {
  background: #fff;
  color: var(--gold);
  box-shadow: var(--shadow);
}
.value h3 {
  margin-top: 28px;
  font-size: 1.5rem;
}
.value p {
  max-width: 34ch;
  margin: 12px auto 0;
  color: var(--muted);
}

/* ---------- Partner ---------- */

.chips {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  max-width: 800px;
  margin-inline: auto;
}
.chip {
  padding: 11px 24px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  color: var(--navy);
  font-size: 1rem;
  font-weight: 500;
  line-height: 1.35;
  white-space: nowrap;
}
.partner-link {
  margin-top: 52px;
  text-align: center;
}

/* ---------- CTA ---------- */

.cta-panel {
  padding: clamp(56px, 8vw, 112px) clamp(24px, 6vw, 96px);
  border-radius: var(--radius-block);
  background: var(--beige);
  text-align: center;
}
.cta-panel h2 {
  max-width: 720px;
  margin-inline: auto;
}
.cta-panel .lead {
  max-width: 580px;
  margin: 24px auto 0;
}
.cta-panel .btn-row {
  justify-content: center;
  margin-top: 40px;
}

/* ---------- Footer ---------- */

.site-footer {
  padding-top: clamp(72px, 8vw, 104px);
  background: var(--navy);
  color: rgba(255, 255, 255, .72);
  font-size: .9375rem;
}
.site-footer a {
  color: rgba(255, 255, 255, .72);
  text-decoration: none;
  transition: color .2s;
}
.site-footer a:hover {
  color: #fff;
  text-decoration: underline;
  text-underline-offset: 4px;
}
.site-footer a[aria-current="page"] { color: #fff; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.15fr;
  gap: 48px;
}
.footer-brand .logo { color: #fff; }
.footer-brand .logo:hover { text-decoration: none; }
.footer-brand p {
  max-width: 30ch;
  margin-top: 24px;
  font-size: 1rem;
}
.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(--gold-light);
}
.footer-col ul { display: grid; gap: 10px; }
.footer-col address {
  display: grid;
  gap: 10px;
  font-style: normal;
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 20px 32px;
  margin-top: clamp(56px, 6vw, 80px);
  padding: 28px 0 40px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  font-size: .875rem;
}
.site-footer .finma-pill {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 8px 20px 8px 8px;
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: 999px;
  background: rgba(255, 255, 255, .04);
  color: rgba(255, 255, 255, .9);
  line-height: 1.4;
  transition: border-color .2s, background-color .2s;
}
.site-footer .finma-pill:hover {
  border-color: var(--gold-light);
  background: rgba(255, 255, 255, .07);
  color: #fff;
}
.finma-icon {
  display: inline-grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--navy-2);
  color: var(--gold);
  flex-shrink: 0;
}
.finma-icon .icon { width: 19px; height: 19px; }

.footer-legal {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 24px;
}

/* ---------- Unterseiten: Seitenkopf ---------- */

.page-head {
  padding-top: clamp(40px, 5vw, 72px);
  padding-bottom: var(--section-y);
}
.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px 10px;
  font-size: .9375rem;
  color: var(--muted);
}
.breadcrumb li + li::before {
  content: "›";
  margin-right: 10px;
  color: var(--gold-dark);
}
.breadcrumb a {
  color: var(--muted);
  text-decoration: none;
}
.breadcrumb a:hover {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 4px;
}
.breadcrumb [aria-current="page"] {
  color: var(--navy);
  font-weight: 500;
}

.page-head-grid {
  display: grid;
  grid-template-columns: 1fr 1.08fr;
  gap: clamp(40px, 6vw, 96px);
  align-items: center;
  margin-top: clamp(40px, 5vw, 64px);
}
.page-head-text .lead { max-width: 520px; }
.page-head-text .btn { margin-top: 40px; }
.page-head-media img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  object-position: 62% 50%;
  border-radius: var(--radius-img);
}

/* ---------- Versicherungen ---------- */

.feature-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}
.feature-card {
  display: flex;
  align-items: flex-start;
  gap: 24px;
  padding: clamp(28px, 3.5vw, 44px);
  border-radius: var(--radius-card);
  background: #fff;
  box-shadow: var(--shadow);
}
.feature-card h3 { margin-top: 10px; }
.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, 60px);
  border-radius: var(--radius-card);
  background: #fff;
  box-shadow: var(--shadow);
}
.list-card h2 {
  margin-top: 32px;
  font-size: clamp(1.75rem, 2.4vw, 2.2rem);
}
.check-list { margin-top: 28px; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-top: 1px solid var(--line);
}
.check-list li:last-child { padding-bottom: 0; }
.check {
  display: inline-grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--beige);
  color: var(--navy);
  flex-shrink: 0;
}
.check .icon { width: 15px; height: 15px; stroke-width: 2; }

.list-card.is-dark {
  background: var(--navy);
  box-shadow: none;
  color: #fff;
}
.list-card.is-dark .check-list li { border-top-color: rgba(255, 255, 255, .12); }
.list-card.is-dark .check { background: var(--navy-2); color: var(--gold-light); }

.faq-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.75fr);
  gap: clamp(32px, 6vw, 96px);
  align-items: start;
}
.faq-list {
  display: grid;
  gap: 14px;
}
.faq-item {
  border-radius: var(--radius-card);
  background: #fff;
  box-shadow: var(--shadow);
}
.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 24px 28px;
  border-radius: var(--radius-card);
  font-family: var(--font-head);
  font-size: 1.25rem;
  font-weight: 500;
  line-height: 1.35;
  color: var(--navy);
  list-style: none;
  cursor: pointer;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover .faq-toggle { background: var(--navy); color: #fff; }
.faq-toggle {
  position: relative;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--beige);
  color: var(--navy);
  flex-shrink: 0;
  transition: background-color .2s, color .2s;
}
.faq-toggle::before,
.faq-toggle::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 14px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transform: translate(-50%, -50%);
  transition: transform .2s;
}
.faq-toggle::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq-item[open] .faq-toggle::after { transform: translate(-50%, -50%) rotate(0deg); }
.faq-item p {
  max-width: 62ch;
  padding: 0 28px 28px;
  color: var(--muted);
}

/* ---------- Kontakt ---------- */

.contact-intro { max-width: 760px; }
.contact-intro .lead { max-width: 620px; }

.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: clamp(24px, 4vw, 48px);
  align-items: start;
  margin-top: clamp(48px, 6vw, 80px);
}
.contact-cards { display: grid; gap: 16px; }
.contact-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 24px 28px;
  border-radius: var(--radius-card);
  background: #fff;
  box-shadow: var(--shadow);
  color: var(--text);
  text-decoration: none;
  transition: box-shadow .25s;
}
a.contact-card:hover { box-shadow: var(--shadow-hover); }
.contact-card.is-address { align-items: flex-start; }
.contact-label {
  display: block;
  font-size: .875rem;
  color: var(--muted);
}
.contact-value {
  display: block;
  margin-top: 2px;
  font-family: var(--font-head);
  font-size: 1.3rem;
  font-weight: 500;
  line-height: 1.35;
  color: var(--navy);
  overflow-wrap: anywhere;
}
.contact-value.is-small { font-size: 1.15rem; }
.contact-cards .hint { margin-top: 12px; padding-left: 8px; }

.form-card {
  padding: clamp(28px, 4vw, 52px);
  border-radius: var(--radius-card);
  background: #fff;
  box-shadow: var(--shadow);
}
.contact-form {
  display: grid;
  gap: 22px;
}
.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
}
.field {
  display: flex;
  flex-direction: column;
  gap: 8px;
  min-width: 0;
}
.field label {
  font-size: .9375rem;
  font-weight: 500;
  color: var(--navy);
}
.field input:not([type="checkbox"]),
.field select,
.field textarea {
  width: 100%;
  min-height: 54px;
  padding: 13px 16px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background-color: var(--field-bg);
  color: var(--text);
  font-size: 1rem;
  line-height: 1.4;
  transition: border-color .2s, box-shadow .2s, background-color .2s;
}
.field input:not([type="checkbox"]):hover,
.field select:hover,
.field textarea:hover { border-color: #D3C4AC; }
.field input:not([type="checkbox"]):focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--navy);
  background-color: #fff;
  box-shadow: 0 0 0 1px var(--navy), 0 0 0 5px rgba(20, 35, 59, .1);
}
.field select {
  appearance: none;
  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='%2314233B' 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 18px;
  cursor: pointer;
}
.field textarea {
  min-height: 150px;
  line-height: 1.55;
  resize: vertical;
}

.field-check {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  column-gap: 12px;
  row-gap: 6px;
  align-items: start;
}
.field-check input {
  width: 22px;
  height: 22px;
  margin: 1px 0 0;
  accent-color: var(--navy);
  cursor: pointer;
}
.field-check label {
  font-weight: 400;
  line-height: 1.5;
  color: var(--muted);
  cursor: pointer;
}
.field-check label a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.field-check .field-error { grid-column: 2; }

.field-error {
  display: none;
  font-size: .875rem;
  line-height: 1.4;
  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);
  box-shadow: 0 0 0 1px var(--error);
}
.field-check.has-error input {
  outline: 2px solid var(--error);
  outline-offset: 2px;
}

.contact-form .btn[type="submit"] {
  justify-self: start;
  margin-top: 6px;
  padding-inline: 36px;
}
.form-success {
  padding: 16px 20px;
  border-radius: 12px;
  background: #E8F1E9;
  color: #1E4D2B;
  font-weight: 500;
}

/* ==========================================================================
   Responsive
   ========================================================================== */

@media (max-width: 1100px) {
  .steps { gap: 12px; }
  .step { padding: 24px 18px 28px; }
}

/* Tablet / Burger-Menü */
@media (max-width: 1024px) {
  :root { --header-h: 72px; }

  .logo-mark { width: 34px; height: 31px; }
  .logo-name { font-size: 1.15rem; }

  .nav-toggle { display: inline-flex; }

  .site-nav {
    position: fixed;
    top: var(--header-h);
    left: 0;
    right: 0;
    bottom: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 32px;
    padding: 8px var(--gutter) 40px;
    border-top: 1px solid rgba(255, 255, 255, .1);
    background: var(--navy);
    overflow-y: auto;
    overscroll-behavior: contain;
  }
  .site-nav.is-open { display: flex; }
  body.nav-open { overflow: hidden; }

  .nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }
  .nav-list > li { border-bottom: 1px solid rgba(255, 255, 255, .1); }
  .nav-link {
    justify-content: space-between;
    width: 100%;
    padding: 18px 4px;
    border-radius: 0;
    font-size: 1.125rem;
    color: #fff;
  }
  .nav-link:hover { background: none; color: var(--gold-light); }
  .nav-link[aria-current="page"],
  .has-dropdown:has([aria-current="page"]) > .dropdown-toggle {
    text-underline-offset: 6px;
  }
  .chev { width: 20px; height: 20px; }
  .has-dropdown.is-open .chev { transform: rotate(180deg); }

  .dropdown {
    display: none;
    padding: 0 4px 18px;
  }
  .has-dropdown.is-open > .dropdown {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0 20px;
  }
  .dropdown a {
    display: block;
    padding: 10px 0;
    color: rgba(255, 255, 255, .78);
    text-decoration: none;
  }
  .dropdown a:hover { color: #fff; }
  .dropdown a[aria-current="page"] {
    color: var(--gold-light);
    font-weight: 500;
  }

  .nav-cta.btn {
    width: 100%;
    min-height: 54px;
    font-size: 1rem;
  }

  .split { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }

  .process-block {
    grid-template-columns: 1fr;
    grid-template-areas:
      "head"
      "steps"
      "cta";
  }
  .steps {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .step {
    display: grid;
    grid-template-columns: 64px minmax(0, 1fr);
    column-gap: 16px;
    padding: 26px 28px;
  }
  .step-num { grid-row: span 2; font-size: 2rem; }
  .step h3 { margin-top: 2px; }
  .step p { margin-top: 6px; }

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

  .contact-layout { grid-template-columns: 1fr; }
  .contact-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .contact-cards .hint { grid-column: 1 / -1; }
}

@media (max-width: 860px) {
  .split,
  .page-head-grid,
  .faq-layout { grid-template-columns: 1fr; }
  .split-media img { aspect-ratio: 4 / 3; object-position: 88% 50%; }

  .audience-grid,
  .list-grid,
  .feature-grid { grid-template-columns: 1fr; }

  .values-grid { grid-template-columns: 1fr; gap: 56px; }

  .contact-cards { grid-template-columns: 1fr; }
}

/* Mobile */
@media (max-width: 640px) {
  body { font-size: 1rem; }
  h1 { letter-spacing: -0.02em; }

  .kicker { margin-bottom: 16px; }
  .center .kicker::before,
  .center .kicker::after { display: none; }
  .center .kicker { display: block; text-wrap: balance; }

  .btn-row { flex-direction: column; align-items: stretch; }
  .btn-row .btn,
  .process-cta .btn { width: 100%; }

  .hero .hint {
    display: block;
    text-align: center;
    text-wrap: balance;
  }
  .hero .hint-check {
    margin-right: 6px;
    vertical-align: middle;
  }
  .hero-media img {
    aspect-ratio: 4 / 3;
    object-position: 60% 30%;
  }
  .hero-badge {
    position: relative;
    left: auto;
    bottom: auto;
    width: fit-content;
    max-width: calc(100% - 32px);
    margin: -30px 0 0 16px;
    padding: 10px 18px 10px 10px;
    font-size: .9375rem;
  }
  .hero-badge .icon-circle { width: 38px; height: 38px; }

  .services-grid { grid-template-columns: 1fr; gap: 16px; }
  .service-card { padding: 28px 24px 24px; }
  .service-card h3 { margin-top: 22px; }

  .process-block { border-radius: 24px; }
  .step {
    grid-template-columns: 48px minmax(0, 1fr);
    padding: 24px 22px;
  }
  .step-num { font-size: 1.75rem; }

  .chips { gap: 10px; }
  .chip { padding: 9px 18px; font-size: .9375rem; }

  .cta-panel { border-radius: 24px; }

  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px 24px; }
  .footer-col.is-contact { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .site-footer .finma-pill { border-radius: 20px; padding-right: 16px; }
  .footer-legal li:first-child { flex-basis: 100%; }

  .feature-card { flex-direction: column; gap: 8px; }
  .feature-card h3 { margin-top: 16px; }

  .faq-item summary { padding: 20px 20px; font-size: 1.125rem; gap: 16px; }
  .faq-item p { padding: 0 20px 24px; }

  .contact-card { padding: 20px 22px; gap: 16px; }
  .contact-value { font-size: 1.2rem; }

  .form-row { grid-template-columns: 1fr; }
  .contact-form .btn[type="submit"] { justify-self: stretch; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}