:root {
  --bg:#f5f6f8;
  --bg-alt:#ffffff;
  --primary:#0054b3;
  --primary-soft:#e0ecff;
  --accent:#28a745;
  --accent-soft:#e0f5e5;
  --text:#0b0f19;
  --muted:#3d4654;
  --border:#d1d5db;
  --shadow:0 10px 40px rgba(15,23,42,0.12);
  --radius-lg:18px;
  --radius-md:10px;
  --radius-pill:999px;
  --container:1120px;
}

* {
  box-sizing:border-box;
}

html {
  scroll-behavior:smooth;
  overflow-x:hidden;
}

body {
  margin:0;
  padding:0;
  font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.7;
  font-size:16px;
  overflow-x:hidden;
}

a {
  color:var(--primary);
  text-decoration:none;
}

a:hover {
  text-decoration:none;
}

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

/* Container */

.container {
  width:100%;
  max-width:var(--container);
  margin:0 auto;
  padding:0 16px;
}

/* Header */

.site-header {
  position:sticky;
  top:0;
  z-index:999;
  background:var(--bg-alt);
  border-bottom:1px solid var(--border);
  box-shadow:0 4px 14px rgba(0,0,0,0.06);
}

.header-inner {
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
  gap:16px;
}

.logo {
  display:flex;
  align-items:center;
  gap:10px;
  font-weight:600;
  font-size:20px;
  color:var(--text);
  white-space:nowrap;
}

.logo-mark {
  width:40px;
  height:40px;
}

.logo-text {
  color:var(--text);
}

/* Navigation */

.main-nav {
  display:flex;
}

.main-nav ul {
  list-style:none;
  margin:0;
  padding:0;
  display:flex;
  gap:20px;
  font-size:14px;
}

.main-nav a {
  color:var(--muted);
}

.main-nav a:hover {
  color:var(--text);
}

.header-cta {
  padding:8px 16px;
  border-radius:var(--radius-pill);
  background:var(--primary);
  color:#ffffff;
  white-space:nowrap;
  font-size:14px;
}

/* Mobile Toggle */

.nav-toggle {
  display:none;
  width:38px;
  height:30px;
  border-radius:10px;
  border:1px solid var(--border);
  background:#ffffff;
  cursor:pointer;
  align-items:center;
  justify-content:center;
  flex-direction:column;
  gap:5px;
}

.nav-toggle-line {
  width:100%;
  height:2px;
  background:#4b5563;
}

/* Breadcrumb */

.breadcrumb {
  font-size:13px;
  color:var(--muted);
  margin:18px 0 6px 0;
}

/* Typografie */

h1 {
  font-size:30px;
  line-height:1.2;
  margin:0 0 10px 0;
}

h2 {
  font-size:24px;
  line-height:1.3;
  margin:0 0 8px 0;
}

h3 {
  font-size:18px;
  line-height:1.4;
  margin:18px 0 6px 0;
}

p {
  margin:0 0 10px 0;
}

/* Hero Bereich volle Breite */

.hero {
  position:relative;
  width:100vw;
  left:50%;
  margin-left:-50vw;
  margin-right:-50vw;
  padding:60px 16px;
  margin-top:10px;
  margin-bottom:28px;

  display:grid;
  grid-template-columns:1.4fr 1fr;
  gap:28px;
  align-items:flex-start;

  background-image:url('/assets/img/desktop-hero-banklook.webp');
  background-repeat:no-repeat;
  background-position:center;
  background-size:cover;
}

/* Dunkles Overlay */

.hero::before {
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(
    120deg,
    rgba(15,23,42,0.70),
    rgba(15,23,42,0.45)
  );
  pointer-events:none;
  z-index:0;
}

/* Inneres Layout im Hero */

.hero-left,
.hero-right {
  position:relative;
  z-index:1;
  background:rgba(255,255,255,0.10);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow);
  border:1px solid rgba(255,255,255,0.4);
  animation:fadeInUp 0.7s ease-out both;
  -webkit-font-smoothing:antialiased;
  text-shadow:0 0 1px rgba(0,0,0,0.15);
}

.hero-left {
  padding:26px 24px 22px 24px;
}

.hero-right {
  padding:20px 18px;
  animation-delay:0.1s;
}

/* Hero-Kicker, Subtexte, Meta */

.hero-kicker {
  display:inline-flex;
  align-items:center;
  gap:10px;
  padding:4px 10px;
  border-radius:var(--radius-pill);
  background:var(--primary-soft);
  font-size:12px;
  color:var(--primary);
  margin-bottom:10px;
}

.hero-kicker span {
  font-weight:600;
}

.hero-sub {
  font-size:15px;
  color:var(--muted);
  margin-bottom:14px;
}

.hero-meta {
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  font-size:13px;
  color:var(--muted);
  margin-bottom:10px;
}

.hero-note {
  font-size:12px;
  color:var(--muted);
  margin-top:4px;
}

/* Bubble Points */

.bubble-points {
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  list-style:none;
  margin:12px 0 16px 0;
  padding:0;
}

.bubble-points li {
  padding:6px 12px;
  border-radius:var(--radius-pill);
  background:var(--primary-soft);
  font-size:13px;
}

/* Hero CTAs */

.hero-ctas {
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-bottom:6px;
}

.btn-primary {
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:8px 12px;
  border-radius:var(--radius-pill);
  background:var(--accent);
  color:#ffffff;
  font-size:14px;
  font-weight:500;
  white-space:nowrap;
  max-width:100%;
  width:auto;
  transition:background 0.18s ease-out,transform 0.18s ease-out,box-shadow 0.18s ease-out;
}

.btn-primary:hover {
  background:#23913c;
  transform:translateY(-1px);
  box-shadow:0 8px 20px rgba(34,197,94,0.25);
}

.btn-ghost {
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:8px 12px;
  border-radius:var(--radius-pill);
  border:1px solid var(--border);
  background:rgba(255,255,255,0.9);
  color:var(--text);
  font-size:14px;
  transition:background 0.18s ease-out,border-color 0.18s ease-out,transform 0.18s ease-out;
}

.btn-ghost:hover {
  background:#ffffff;
  border-color:var(--primary);
  transform:translateY(-1px);
}

/* Hero rechts Header */

.hero-right-header {
  margin-bottom:8px;
}

.hero-right-header h2 {
  font-size:18px;
  margin:0 0 4px 0;
}

.hero-right-header p {
  font-size:13px;
  color:var(--muted);
  margin:0;
}

/* Formular Branding */

.form-brand {
  text-align:right;
  font-size:11px;
  color:var(--muted);
  margin-bottom:4px;
}

.form-brand img {
  max-height:18px;
}

/* Kreditformular Startseite (falls genutzt) */

#kredit-form {
  width:100%;
  padding:8px;
  background:#ffffff;
  border-radius:var(--radius-md);
  border:1px solid var(--border);
}

#kredit-form .form-row {
  margin-bottom:8px;
}

#kredit-form label {
  display:block;
  font-size:12px;
  margin-bottom:3px;
  color:var(--text);
}

#kredit-form input,
#kredit-form select {
  width:100%;
  padding:5px 8px;
  border-radius:6px;
  border:1px solid #979797;
  font-size:13px;
  line-height:1.3;
  color:#4b5563;
  background:#ffffff;
  box-sizing:border-box;
}

#kredit-form button {
  display:block;
  width:100%;
  max-width:100%;
  padding:8px 10px;
  border-radius:var(--radius-pill);
  border:none;
  cursor:pointer;
  background:#28a745;
  color:#ffffff;
  font-size:14px;
  font-weight:500;
  margin-top:4px;
  transition:background 0.18s ease-out,transform 0.18s ease-out,box-shadow 0.18s ease-out;
}

#kredit-form button:hover {
  background:#23913c;
  transform:translateY(-1px);
  box-shadow:0 8px 20px rgba(34,197,94,0.25);
}

.form-hint {
  margin-top:6px;
  font-size:11px;
  color:var(--muted);
}

/* Umschuldungsrechner Formular (neues Design) */

#umschuldung-form {
  width:100%;
  display:flex;
  flex-direction:column;
  gap:10px;
  margin-top:4px;
}

#umschuldung-form .form-row {
  margin-bottom:10px;
}

#umschuldung-form label {
  display:block;
  font-size:12px;
  margin-bottom:4px;
  color:var(--text);
}

#umschuldung-form input,
#umschuldung-form select {
  width:100%;
  padding:8px 10px;
  border-radius:8px;
  border:1px solid #c4c9d4;
  font-size:13px;
  line-height:1.4;
  color:#111827;
  background:#f9fafb;
  box-sizing:border-box;
  outline:none;
  transition:border-color 0.16s ease-out,box-shadow 0.16s ease-out,background-color 0.16s ease-out;
}

#umschuldung-form input:focus,
#umschuldung-form select:focus {
  border-color:var(--primary);
  background:#ffffff;
  box-shadow:0 0 0 1px rgba(0,84,179,0.10);
}

#umschuldung-form button#btn_berechnen {
  display:block;
  width:100%;
  max-width:100%;
  padding:10px 12px;
  border-radius:var(--radius-pill);
  border:none;
  cursor:pointer;
  background:var(--accent);
  color:#ffffff;
  font-size:14px;
  font-weight:500;
  margin-top:6px;
  transition:background 0.18s ease-out,transform 0.18s ease-out,box-shadow 0.18s ease-out;
}

#umschuldung-form button#btn_berechnen:hover {
  background:#23913c;
  transform:translateY(-1px);
  box-shadow:0 8px 20px rgba(34,197,94,0.25);
}

/* Sektionen */

main {
  padding:10px 0 40px 0;
}

.section {
  margin-top:30px;
}

.section-header {
  margin-bottom:12px;
}

.section-kicker {
  font-size:12px;
  color:var(--primary);
  text-transform:uppercase;
  letter-spacing:.04em;
  margin-bottom:4px;
  font-weight:600;
}

/* Kartenlayout */

.card {
  background:var(--bg-alt);
  padding:18px 18px 16px 18px;
  border-radius:var(--radius-lg);
  border:1px solid var(--border);
}

/* Textbreite */

.card p,
.section p {
  max-width:72ch;
}

/* Zwei Spalten */

.two-cols {
  display:grid;
  grid-template-columns:1.1fr 1fr;
  gap:24px;
}

/* Listen */

.list-check {
  margin:6px 0 4px 0;
  padding-left:18px;
  font-size:14px;
}

.list-check li {
  margin-bottom:6px;
}

/* Tabellen */

.table-sample {
  width:100%;
  border-collapse:collapse;
  font-size:14px;
  margin-top:6px;
  background:#ffffff;
}

.table-sample th,
.table-sample td {
  border:1px solid var(--border);
  padding:6px 8px;
  text-align:left;
  vertical-align:top;
  word-break:break-word;
}

/* FAQ */

.faq-item {
  border-bottom:1px solid var(--border);
  margin-bottom:10px;
}

.faq-question {
  display:flex;
  align-items:center;
  justify-content:space-between;
  width:100%;
  padding:10px 0;
  background:transparent;
  border:none;
  cursor:pointer;
  text-align:left;
}

.faq-question h3 {
  margin:0;
  font-size:16px;
}

.faq-answer {
  display:none;
  padding:0 0 10px 0;
}

.faq-answer p {
  margin:0 0 6px 0;
  font-size:14px;
}

.faq-item.open .faq-answer {
  display:block;
}

/* CTA Streifen */

.cta-strip {
  margin-top:24px;
  padding:14px 16px;
  background:var(--primary-soft);
  border-radius:var(--radius-lg);
  display:flex;
  flex-wrap:wrap;
  justify-content:space-between;
  gap:12px;
  align-items:center;
  font-size:14px;
}

/* Footer */

.site-footer {
  background:#ffffff;
  border-top:1px solid var(--border);
  margin-top:40px;
  padding:30px 16px 0 16px;
}

.footer-inner {
  max-width:var(--container);
  margin:0 auto;
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
  gap:30px;
  padding:0 0 30px 0;
  font-size:14px;
}

.footer-col strong {
  display:block;
  margin-bottom:6px;
  font-size:14px;
  color:var(--text);
}

.footer-col p {
  margin:0;
  font-size:13px;
  color:var(--muted);
}

.footer-col ul {
  list-style:none;
  margin:8px 0 0 0;
  padding:0;
}

.footer-col li {
  margin-bottom:6px;
}

.footer-col a {
  color:var(--muted);
  display:inline-flex;
  align-items:center;
  gap:6px;
}

.footer-col a:hover {
  color:var(--primary);
}

.footer-icon {
  width:16px;
  height:16px;
  border-radius:50%;
  border:1px solid var(--border);
  display:inline-flex;
  align-items:center;
  justify-content:center;
  font-size:10px;
  line-height:1;
  color:var(--muted);
  background:#ffffff;
}

.footer-copy {
  max-width:var(--container);
  margin:0 auto;
  text-align:center;
  padding:12px 0 16px 0;
  font-size:12px;
  color:var(--muted);
  border-top:1px solid var(--border);
}

/* Fade-in Animationen */

@keyframes fadeInUp {
  from {
    opacity:0;
    transform:translateY(14px);
  }
  to {
    opacity:1;
    transform:translateY(0);
  }
}

/* Motion-Reduktion */

@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration:0.001ms !important;
    animation-iteration-count:1 !important;
    transition-duration:0.001ms !important;
    scroll-behavior:auto !important;
  }
}

/* Responsive Navigation, Tabellen und Layout */

@media (max-width:900px) {

  .header-inner {
    gap:8px;
    flex-wrap:wrap;
    align-items:flex-start;
  }

  .logo {
    max-width:70%;
    font-size:18px;
    white-space:normal;
    flex:1 1 auto;
  }

  .logo-text {
    white-space:normal;
  }

  .nav-toggle {
    display:flex;
  }

  .header-cta {
    display:none;
  }

  .main-nav {
    width:100%;
    display:none;
    position:static;
    background:var(--bg-alt);
    border-top:1px solid var(--border);
    border-bottom:1px solid var(--border);
    padding:8px 0 10px 0;
    box-shadow:none;
    margin-top:6px;
  }

  body.nav-open .main-nav {
    display:block;
  }

  .main-nav ul {
    flex-direction:column;
    gap:8px;
  }

  .hero {
    grid-template-columns:1fr;
    background-image:url('/assets/img/mobile-hero-banklook.webp');
    background-position:center top;
    background-size:cover;
    padding:40px 16px;
  }

  .hero-right {
    order:-1;
  }

  .two-cols {
    grid-template-columns:1fr;
  }

  /* Rechner-Spalten zentriert und ohne seitliches Verschieben */
  #rechner .two-cols {
    grid-template-columns:1fr;
    gap:20px;
  }

  #rechner .card,
  #ergebnis-card {
    width:100%;
    max-width:520px;
    margin:0 auto;
  }

  .footer-inner {
    grid-template-columns:1fr;
    gap:20px;
  }

  .table-sample {
    border:0;
  }

  .table-sample thead {
    display:none;
  }

  .table-sample tbody,
  .table-sample tr {
    display:block;
    width:100%;
  }

  .table-sample tr {
    margin-bottom:10px;
    border:1px solid var(--border);
    border-radius:10px;
    background:#f9fafb;
    overflow:hidden;
  }

  .table-sample td {
    display:block;
    width:100%;
    border:0;
    border-bottom:1px solid var(--border);
    padding:6px 10px;
    font-size:14px;
  }

  .table-sample td:last-child {
    border-bottom:0;
  }
}

@media (max-width:600px) {

  body {
    font-size:15px;
    line-height:1.7;
  }

  .logo {
    font-size:17px;
  }

  .hero-left,
  .hero-right {
    padding:16px 14px;
    background:rgba(255,255,255,0.82);
  }

  h1 {
    font-size:24px;
  }

  h2 {
    font-size:20px;
  }

  .btn-primary {
    font-size:13px;
    padding:8px 10px;
    width:100%;
    max-width:240px;
    margin:0 auto;
  }

  .hero-ctas {
    flex-direction:column;
    align-items:flex-start;
  }

  .hero-ctas .btn-ghost {
    width:100%;
    max-width:240px;
  }

  /* Rechner-Felder auf Mobile klarer und mittig */
  #umschuldung-form input,
  #umschuldung-form select {
    font-size:14px;
    padding:9px 11px;
  }

  #rechner .card,
  #ergebnis-card {
    max-width:480px;
  }
}


/* Hero-Sub Texte weiß */
.hero-sub {
  color: #ffffff !important;
  text-shadow: 0 2px 4px rgba(0,0,0,0.55);
}

/* Hero-Meta: Typische Kreditsumme weiß */
.hero-meta span,
.hero-meta span strong {
  color: #ffffff !important;
  text-shadow: 0 2px 4px rgba(0,0,0,0.55);
}

/* Formular-Beschreibung weiß */
.hero-right-header p {
  color: #ffffff !important;
  text-shadow: 0 2px 4px rgba(0,0,0,0.55);
}

/* "Ein Angebot von" weiß */
.form-brand span {
  color: #ffffff !important;
  text-shadow: 0 2px 4px rgba(0,0,0,0.55);
}

/* Hero-Note weiß */
.hero-note {
  color: #ffffff !important;
  text-shadow: 0 2px 4px rgba(0,0,0,0.55);
}


/* Alle Links in der Hero-Section weiß */
.hero a,
.hero-left a,
.hero-right a {
  color: #080808 !important;
  text-decoration: none;
  text-shadow: 0 2px 4px rgba(0,0,0,0.55);
}

.hero a:hover {
  opacity: 0.85;
}