/* ============================================================
   CL VERSICHERUNGSMAKLER LIMBURG — GLOBAL STYLES
   Seriös-futuristisch · Weiß-dominant · Orange-Akzent
   ============================================================ */

:root {
  --orange: #E85D04;
  --orange-bright: #FF7A1A;
  --orange-soft: #FFF1E6;
  --orange-glow: rgba(232, 93, 4, 0.12);

  --ink: #0E1116;
  --ink-2: #1F2430;
  --slate: #4A5360;
  --mute: #6B7280;
  --line: #E6E8EC;
  --line-2: #F1F3F6;
  --bg: #FFFFFF;
  --bg-soft: #FAFAFB;
  --bg-tint: #F6F7F9;

  --radius-sm: 6px;
  --radius: 12px;
  --radius-lg: 20px;

  --shadow-sm: 0 1px 2px rgba(14,17,22,0.04), 0 1px 1px rgba(14,17,22,0.03);
  --shadow: 0 4px 24px rgba(14,17,22,0.06), 0 1px 2px rgba(14,17,22,0.04);
  --shadow-lg: 0 24px 60px rgba(14,17,22,0.10), 0 4px 12px rgba(14,17,22,0.04);

  --font-display: 'Fraunces', 'Cormorant Garamond', Georgia, serif;
  --font-body: 'Inter', 'Helvetica Neue', Arial, sans-serif;
  --font-mono: 'JetBrains Mono', 'Courier New', monospace;

  --container: 1200px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }

::selection { background: var(--orange); color: #fff; }

/* ---------- TYPOGRAPHY ---------- */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.1;
  color: var(--ink);
}
h1 { font-size: clamp(2.4rem, 5.5vw, 4.6rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.9rem); }
h3 { font-size: clamp(1.3rem, 2vw, 1.6rem); }
h4 { font-size: 1.1rem; font-family: var(--font-body); font-weight: 600; }

p { color: var(--slate); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--orange);
}
.eyebrow::before {
  content: '';
  width: 28px;
  height: 1px;
  background: var(--orange);
  display: inline-block;
}

/* ---------- LAYOUT ---------- */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}
section { padding: clamp(72px, 10vw, 120px) 0; }

/* ---------- NAVBAR ---------- */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255,255,255,0.78);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s var(--ease), background 0.3s var(--ease);
}
.nav.scrolled {
  border-bottom-color: var(--line);
  background: rgba(255,255,255,0.92);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 16px 28px;
  max-width: var(--container);
  margin: 0 auto;
}
.nav-logo {
  height: 38px;
  width: auto;
  flex-shrink: 0;
}
.nav-links {
  display: flex;
  gap: 28px;
  list-style: none;
  align-items: center;
  flex-wrap: nowrap;
}
.nav-links a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--ink-2);
  position: relative;
  padding: 6px 0;
  transition: color 0.2s;
  white-space: nowrap;
}
.nav-links a::after {
  content: '';
  position: absolute;
  left: 0; bottom: 0;
  width: 0; height: 1px;
  background: var(--orange);
  transition: width 0.3s var(--ease);
}
.nav-links a:hover { color: var(--orange); }
.nav-links a:hover::after,
.nav-links a.active::after { width: 100%; }
.nav-links a.active { color: var(--orange); }

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
  background: var(--ink);
  color: #fff !important;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 500;
  transition: transform 0.2s, background 0.2s;
  flex-shrink: 0;
  white-space: nowrap;
}
.nav-cta:hover { background: var(--orange); transform: translateY(-1px); }
.nav-cta::after { display: none !important; }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 12px;
  cursor: pointer;
  color: var(--ink);
}

/* Zwischengröße: weniger gap, kleinere Schrift, damit alles in eine Zeile passt */
@media (max-width: 1180px) and (min-width: 901px) {
  .nav-links { gap: 20px; }
  .nav-links a { font-size: 0.86rem; }
  .nav-logo { height: 34px; }
  .nav-cta { padding: 8px 14px; font-size: 0.82rem; }
}

@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-toggle { display: inline-flex; align-items: center; gap: 6px; }
  .nav.open .nav-links {
    display: flex;
    position: absolute;
    top: 100%; left: 0; right: 0;
    flex-direction: column;
    background: #fff;
    padding: 24px 28px;
    border-bottom: 1px solid var(--line);
    gap: 20px;
    align-items: flex-start;
  }
  .nav.open .nav-links a { font-size: 1.05rem; }
  .nav.open .nav-links .nav-cta { font-size: 0.95rem; padding: 12px 22px; }
}

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 26px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 500;
  cursor: pointer;
  border: 1px solid transparent;
  transition: all 0.25s var(--ease);
  white-space: nowrap;
}
.btn-primary {
  background: var(--orange);
  color: #fff;
  box-shadow: 0 8px 24px rgba(232,93,4,0.28);
}
.btn-primary:hover {
  background: var(--orange-bright);
  transform: translateY(-2px);
  box-shadow: 0 14px 34px rgba(232,93,4,0.36);
}
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover {
  border-color: var(--ink);
  background: var(--ink);
  color: #fff;
}
.btn-dark {
  background: var(--ink);
  color: #fff;
}
.btn-dark:hover { background: var(--orange); }

.arrow {
  display: inline-block;
  transition: transform 0.25s var(--ease);
}
.btn:hover .arrow { transform: translateX(4px); }

/* ---------- HERO (Homepage) ---------- */
.hero {
  position: relative;
  padding-top: 160px;
  padding-bottom: 100px;
  overflow: hidden;
  background:
    radial-gradient(ellipse 800px 600px at 85% 10%, var(--orange-glow), transparent 60%),
    radial-gradient(ellipse 600px 500px at 10% 90%, rgba(14,17,22,0.04), transparent 60%),
    var(--bg);
}
.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(var(--line-2) 1px, transparent 1px),
    linear-gradient(90deg, var(--line-2) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse at center, #000 30%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse at center, #000 30%, transparent 80%);
  pointer-events: none;
  opacity: 0.7;
}
.hero-inner {
  position: relative;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 80px;
  align-items: center;
}
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; gap: 60px; }
}
.hero h1 {
  margin: 22px 0 24px;
}
.hero h1 .accent {
  font-style: italic;
  color: var(--orange);
}
.hero .lead {
  font-size: 1.15rem;
  max-width: 560px;
  margin-bottom: 36px;
  color: var(--slate);
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-top: 60px;
  border-top: 1px solid var(--line);
  padding-top: 36px;
}
.hero-stats .stat {
  border-right: 1px solid var(--line);
  padding: 0 20px;
}
.hero-stats .stat:last-child { border-right: none; }
.hero-stats .stat:first-child { padding-left: 0; }
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.02em;
  display: block;
}
.stat-num .unit { color: var(--orange); }
.stat-label {
  font-size: 0.82rem;
  color: var(--mute);
  margin-top: 4px;
  letter-spacing: 0.04em;
}

/* Hero visual / panel */
.hero-visual {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-lg);
  background: linear-gradient(140deg, #111418 0%, #1F2430 100%);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero-visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 75% 20%, rgba(255,122,26,0.35), transparent 50%),
    radial-gradient(circle at 20% 80%, rgba(232,93,4,0.18), transparent 50%);
}
.hero-visual::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 40px 40px;
}
.hero-card {
  position: absolute;
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 14px;
  padding: 18px 22px;
  color: #fff;
  font-size: 0.92rem;
  animation: floatCard 6s ease-in-out infinite;
}
.hero-card.c1 { top: 14%; left: 8%; animation-delay: 0s; }
.hero-card.c2 { top: 44%; right: 6%; animation-delay: -2s; }
.hero-card.c3 { bottom: 12%; left: 14%; animation-delay: -4s; }
.hero-card .pill {
  display: inline-block;
  font-size: 0.7rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--orange-bright);
  margin-bottom: 8px;
}
.hero-card strong { display: block; font-size: 1.05rem; font-weight: 600; }
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

/* ---------- GENERIC PAGE HEADER (subpages) ---------- */
.page-header {
  padding-top: 160px;
  padding-bottom: 64px;
  background:
    radial-gradient(ellipse 700px 400px at 80% 0%, var(--orange-glow), transparent 60%),
    var(--bg);
  border-bottom: 1px solid var(--line);
}
.page-header h1 { margin-top: 18px; max-width: 800px; }
.page-header p { font-size: 1.1rem; max-width: 660px; margin-top: 20px; }
.breadcrumb {
  font-size: 0.85rem;
  color: var(--mute);
  margin-bottom: 8px;
}
.breadcrumb a:hover { color: var(--orange); }

/* ---------- TRUST BAR ---------- */
.trust {
  padding: 40px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--bg-soft);
}
.trust-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-label {
  font-size: 0.82rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mute);
  font-weight: 500;
}
.trust-points {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-points span {
  font-size: 0.95rem;
  color: var(--ink-2);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
}
.trust-points span::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--orange);
  border-radius: 50%;
}

/* ---------- SECTION HEAD ---------- */
.section-head {
  max-width: 760px;
  margin-bottom: 60px;
}
.section-head h2 { margin: 16px 0 18px; }
.section-head p { font-size: 1.08rem; }
.section-head.center { text-align: center; margin-left: auto; margin-right: auto; }
.section-head.center .eyebrow { justify-content: center; }

/* ---------- FEATURE GRID (Versicherungen overview) ---------- */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}
@media (max-width: 900px) {
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
}

.feature {
  position: relative;
  padding: 32px 28px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: all 0.3s var(--ease);
  overflow: hidden;
}
.feature::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 3px;
  background: var(--orange);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease);
}
.feature:hover {
  transform: translateY(-4px);
  border-color: transparent;
  box-shadow: var(--shadow-lg);
}
.feature:hover::before { transform: scaleX(1); }
.feature.featured {
  background: var(--ink);
  color: #fff;
  border-color: var(--ink);
}
.feature.featured h3, .feature.featured p { color: #fff; }
.feature.featured p { color: rgba(255,255,255,0.72); }
.feature.featured::before { background: var(--orange); transform: scaleX(1); }

.feature-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--orange-soft);
  color: var(--orange);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}
.feature.featured .feature-icon {
  background: rgba(255,122,26,0.15);
  color: var(--orange-bright);
}
.feature h3 { margin-bottom: 12px; font-family: var(--font-body); font-weight: 600; font-size: 1.18rem; }
.feature p { font-size: 0.97rem; line-height: 1.6; }
.feature .read-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 18px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--orange);
}
.feature .read-more .arrow { transition: transform 0.2s; }
.feature:hover .read-more .arrow { transform: translateX(3px); }

/* ---------- SPLIT (two-column with image area) ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; gap: 50px; }
}
.split-visual {
  aspect-ratio: 5 / 4;
  border-radius: var(--radius-lg);
  background: linear-gradient(140deg, var(--ink) 0%, var(--ink-2) 100%);
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.split-visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 80% 20%, rgba(255,122,26,0.30), transparent 50%);
}
.split-visual::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 36px 36px;
}

/* ---------- PROCESS / STEPS ---------- */
.steps { counter-reset: step; }
.step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 28px;
  padding: 28px 0;
  border-top: 1px solid var(--line);
  align-items: start;
}
.step:last-child { border-bottom: 1px solid var(--line); }
.step-num {
  counter-increment: step;
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 400;
  color: var(--orange);
  line-height: 1;
}
.step-num::before { content: counter(step, decimal-leading-zero); }
.step h3 { margin-bottom: 10px; font-family: var(--font-body); font-weight: 600; font-size: 1.15rem; }
.step p { font-size: 1rem; }

/* ---------- TEAM (about page) ---------- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
}
@media (max-width: 800px) { .team-grid { grid-template-columns: 1fr; } }
.team-card {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.team-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.team-photo {
  aspect-ratio: 5 / 4;
  background: linear-gradient(140deg, var(--ink) 0%, var(--ink-2) 100%);
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}
.team-photo::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 70% 30%, rgba(255,122,26,0.28), transparent 55%);
}
.team-initials {
  font-family: var(--font-display);
  font-size: 5rem;
  font-weight: 400;
  color: #fff;
  letter-spacing: -0.04em;
  position: relative;
  z-index: 1;
}
.team-body { padding: 28px 30px; }
.team-role {
  font-size: 0.78rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--orange);
  font-weight: 600;
  margin-bottom: 8px;
}
.team-card h3 { margin-bottom: 14px; font-family: var(--font-display); font-weight: 500; font-size: 1.5rem; }
.team-card p { font-size: 0.98rem; }

/* ---------- OPTIMIZATION POINTS ---------- */
.opt-list {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
@media (max-width: 800px) { .opt-list { grid-template-columns: 1fr; } }
.opt-item {
  padding: 28px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 20px;
  align-items: start;
  transition: all 0.3s var(--ease);
}
.opt-item:hover { border-color: var(--orange); box-shadow: var(--shadow); }
.opt-num {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--orange);
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.6rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 500;
}
.opt-item h3 { margin-bottom: 8px; font-family: var(--font-body); font-weight: 600; font-size: 1.1rem; }
.opt-item p { font-size: 0.96rem; line-height: 1.6; }

.savings-table {
  margin-top: 50px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.savings-row {
  display: grid;
  grid-template-columns: 1fr 140px;
  padding: 18px 24px;
  border-bottom: 1px solid var(--line);
  align-items: center;
  transition: background 0.2s;
}
.savings-row:last-child { border-bottom: none; }
.savings-row.head {
  background: var(--bg-tint);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--mute);
}
.savings-row:not(.head):hover { background: var(--orange-soft); }
.savings-value {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--orange);
  font-weight: 500;
  text-align: right;
}
.savings-row.head .savings-value {
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: var(--mute);
}

/* ---------- CALL CTA BLOCK ---------- */
.call-cta {
  background: var(--ink);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: clamp(40px, 6vw, 70px);
  position: relative;
  overflow: hidden;
  text-align: center;
}
.call-cta::before {
  content: '';
  position: absolute;
  top: -40%; right: -20%;
  width: 80%; height: 180%;
  background: radial-gradient(ellipse, var(--orange-glow), transparent 60%);
  pointer-events: none;
}
.call-cta h2 { color: #fff; margin-bottom: 18px; }
.call-cta p {
  color: rgba(255,255,255,0.75);
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto 36px;
}
.call-big {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  padding: 20px 36px;
  background: var(--orange);
  color: #fff;
  border-radius: 999px;
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 500;
  letter-spacing: -0.01em;
  transition: all 0.3s var(--ease);
  position: relative;
  z-index: 1;
}
.call-big:hover {
  background: var(--orange-bright);
  transform: translateY(-2px);
  box-shadow: 0 16px 40px rgba(255,122,26,0.4);
}
.call-meta {
  margin-top: 26px;
  font-size: 0.92rem;
  color: rgba(255,255,255,0.6);
}

/* Doppel-CTA-Buttons im Call-Block */
.call-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
.call-btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 18px 32px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-size: 1.05rem;
  font-weight: 500;
  transition: all 0.3s var(--ease);
  border: 1px solid transparent;
  white-space: nowrap;
}
.call-btn-primary {
  background: var(--orange);
  color: #fff;
}
.call-btn-primary:hover {
  background: var(--orange-bright);
  transform: translateY(-2px);
  box-shadow: 0 16px 40px rgba(255,122,26,0.4);
}
.call-btn-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.25);
}
.call-btn-outline:hover {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.5);
  transform: translateY(-2px);
}

/* Kontaktseite Calendly-Banner stacking */
@media (max-width: 760px) {
  .contact-grid + section > div > div[style*="grid-template-columns"],
  section > div > div[style*="grid-template-columns:1.4fr auto"] {
    grid-template-columns: 1fr !important;
    text-align: left;
  }
}

/* ---------- FAQ ACCORDION ---------- */
.faq-list {
  max-width: 860px;
  margin: 0 auto;
}
.faq-item {
  border-top: 1px solid var(--line);
  transition: all 0.3s var(--ease);
}
.faq-item:last-child { border-bottom: 1px solid var(--line); }
.faq-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding: 26px 0;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--ink);
  transition: color 0.2s;
}
.faq-q:hover { color: var(--orange); }
.faq-q .plus {
  position: relative;
  width: 22px;
  height: 22px;
  flex-shrink: 0;
}
.faq-q .plus::before,
.faq-q .plus::after {
  content: '';
  position: absolute;
  background: var(--orange);
  top: 50%;
  left: 50%;
  transition: transform 0.3s var(--ease);
}
.faq-q .plus::before {
  width: 14px; height: 2px;
  transform: translate(-50%, -50%);
}
.faq-q .plus::after {
  width: 2px; height: 14px;
  transform: translate(-50%, -50%);
}
.faq-item.open .faq-q .plus::after {
  transform: translate(-50%, -50%) scaleY(0);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s var(--ease);
}
.faq-a-inner {
  padding: 0 0 28px 0;
  max-width: 720px;
}
.faq-a-inner p {
  font-size: 1rem;
  line-height: 1.7;
  color: var(--slate);
  margin-bottom: 10px;
}
.faq-a-inner p:last-child { margin-bottom: 0; }
.faq-item.open .faq-a {
  max-height: 800px;
}

/* FAQ Kategorie-Header */
.faq-category {
  font-size: 0.78rem;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--orange);
  font-weight: 600;
  margin: 60px 0 20px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.faq-category:first-child { margin-top: 0; }
.faq-category::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--line);
}

/* ---------- CONTACT FORM ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
}
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; gap: 40px; } }

.contact-info { padding-right: 20px; }
.contact-info h2 { margin-bottom: 24px; }
.contact-block {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}
.contact-block:first-of-type { border-top: none; padding-top: 0; }
.contact-block h4 {
  font-size: 0.78rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--mute);
  margin-bottom: 12px;
  font-weight: 600;
}
.contact-block p { color: var(--ink-2); font-size: 1.02rem; line-height: 1.7; }
.contact-block a { color: var(--orange); font-weight: 500; }
.contact-block a:hover { text-decoration: underline; }

.form-card {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}
.form-row { margin-bottom: 20px; }
.form-row.two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
@media (max-width: 600px) { .form-row.two { grid-template-columns: 1fr; } }
.form-row label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ink-2);
  margin-bottom: 8px;
  letter-spacing: 0.04em;
}
.form-row input,
.form-row textarea,
.form-row select {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: 10px;
  font-family: var(--font-body);
  font-size: 0.98rem;
  background: var(--bg);
  color: var(--ink);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-row input:focus,
.form-row textarea:focus,
.form-row select:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 4px var(--orange-glow);
}
.form-row textarea { resize: vertical; min-height: 120px; }
.form-consent {
  font-size: 0.85rem;
  color: var(--mute);
  margin-bottom: 24px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.form-consent input { width: auto; margin-top: 4px; }
.form-consent a { color: var(--orange); text-decoration: underline; }
.form-card .btn { width: 100%; justify-content: center; }

.form-success {
  display: none;
  background: var(--orange-soft);
  border: 1px solid var(--orange);
  color: var(--ink);
  padding: 18px 22px;
  border-radius: 10px;
  margin-bottom: 20px;
  font-size: 0.95rem;
}
.form-success.show { display: block; }

.form-error {
  display: none;
  background: #FEF2F2;
  border: 1px solid #DC2626;
  color: #991B1B;
  padding: 18px 22px;
  border-radius: 10px;
  margin-bottom: 20px;
  font-size: 0.95rem;
}
.form-error.show { display: block; }

#submit-btn.loading {
  opacity: 0.7;
  pointer-events: none;
}
#submit-btn.loading .arrow {
  animation: spin 0.8s linear infinite;
  display: inline-block;
}
@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ---------- FOOTER ---------- */
footer {
  background: var(--ink);
  color: rgba(255,255,255,0.7);
  padding: 80px 0 32px;
  margin-top: 60px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 60px;
}
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .footer-grid { grid-template-columns: 1fr; } }
footer h5 {
  font-family: var(--font-body);
  font-size: 0.82rem;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: 18px;
  font-weight: 600;
}
footer ul { list-style: none; }
footer ul li { margin-bottom: 10px; font-size: 0.94rem; }
footer ul li a:hover { color: var(--orange-bright); }
footer .footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.94rem; margin-top: 18px; max-width: 280px; }
footer .footer-logo {
  height: 40px;
  filter: invert(1) hue-rotate(180deg);
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.86rem;
  color: rgba(255,255,255,0.5);
}
.footer-bottom a:hover { color: var(--orange-bright); }

/* ---------- IMPRESSUM / LEGAL pages ---------- */
.legal { max-width: 820px; margin: 0 auto; }
.legal h2 {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1.15rem;
  margin: 32px 0 12px;
  letter-spacing: 0;
}
.legal h2:first-of-type { margin-top: 0; }
.legal p, .legal li {
  font-size: 0.98rem;
  color: var(--ink-2);
  line-height: 1.75;
  margin-bottom: 12px;
}
.legal ul { padding-left: 22px; margin-bottom: 14px; }
.legal strong { color: var(--ink); font-weight: 600; }
.legal hr { border: none; border-top: 1px solid var(--line); margin: 28px 0; }

/* ---------- INSURANCE DETAIL CARDS ---------- */
.ins-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
@media (max-width: 800px) { .ins-grid { grid-template-columns: 1fr; } }
.ins-card {
  padding: 36px 32px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: all 0.3s var(--ease);
  position: relative;
  overflow: hidden;
}
.ins-card:hover {
  border-color: transparent;
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.ins-card .num {
  position: absolute;
  top: 22px; right: 24px;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  color: var(--mute);
  letter-spacing: 0.1em;
}
.ins-card .feature-icon { margin-bottom: 18px; }
.ins-card h3 { margin-bottom: 12px; font-family: var(--font-body); font-weight: 600; font-size: 1.15rem; }
.ins-card p { font-size: 0.96rem; }
.ins-card .tag {
  display: inline-block;
  margin-top: 16px;
  padding: 4px 10px;
  background: var(--orange-soft);
  color: var(--orange);
  border-radius: 6px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
}

/* ---------- REVEAL ANIMATION ---------- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
.reveal.in {
  opacity: 1;
  transform: translateY(0);
}

/* ---------- UTIL ---------- */
.bg-tint { background: var(--bg-tint); }
.bg-soft { background: var(--bg-soft); }
.mt-0 { margin-top: 0 !important; }
.text-center { text-align: center; }