/* ===============================================
   Geldanlage Portal v11 — Red + Light Gray
   Hanken Grotesk · Asymmetric · Fullscreen Nav
   Oval bank cards · Marquee · Slider · Blog grid
   =============================================== */

:root {
  /* Primary: Red */
  --red:        #DC2626;
  --red-2:      #EF4444;
  --red-3:      #F87171;
  --red-deep:   #B91C1C;
  --red-darker: #7F1D1D;
  --red-soft:   #FEE2E2;
  --red-tint:   #FEF2F2;

  /* Light Gray scale */
  --gray-50:    #F9FAFB;
  --gray-100:   #F3F4F6;
  --gray-150:   #EDEFF2;
  --gray-200:   #E5E7EB;
  --gray-300:   #D1D5DB;
  --gray-400:   #9CA3AF;
  --gray-500:   #6B7280;
  --gray-600:   #4B5563;
  --gray-700:   #374151;
  --gray-800:   #1F2937;
  --gray-900:   #111827;
  --gray-950:   #030712;

  /* Surfaces */
  --bg:         #FFFFFF;
  --bg-soft:    #F9FAFB;
  --bg-gray:    #F3F4F6;
  --bg-dark:    #111827;

  /* Status */
  --ok:         #16A34A;
  --bad:        #DC2626;
  --star:       #F59E0B;

  /* Type */
  --font: "Hanken Grotesk", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* Geometry */
  --r-xs:   6px;
  --r-sm:   12px;
  --r-md:   18px;
  --r-lg:   28px;
  --r-xl:   38px;
  --r-pill: 999px;

  --shadow-xs:  0 1px 2px rgba(17,24,39,0.04);
  --shadow-sm:  0 2px 6px rgba(17,24,39,0.06);
  --shadow:     0 6px 18px rgba(17,24,39,0.08);
  --shadow-md:  0 12px 28px rgba(17,24,39,0.10);
  --shadow-lg:  0 24px 56px rgba(17,24,39,0.14);
  --shadow-red: 0 14px 32px rgba(220,38,38,0.30);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-weight: 400;
  font-size: 16px;
  color: var(--gray-900);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
::selection { background: var(--red); color: #fff; }
h1, h2, h3, h4, h5, h6 {
  margin: 0;
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.03em;
  color: var(--gray-900);
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { display: block; max-width: 100%; height: auto; }

.container {
  width: 100%;
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===========================================
   TOP STRIPE
   =========================================== */
.top-stripe {
  height: 4px;
  background: linear-gradient(90deg, var(--red-darker) 0%, var(--red) 50%, var(--red-2) 100%);
}

/* ===========================================
   ANNOUNCE
   =========================================== */
.announce {
  background: var(--gray-900);
  color: rgba(255,255,255,0.80);
  font-size: 13px;
  padding: 11px 0;
  text-align: center;
  font-weight: 500;
}
.announce strong { font-weight: 700; color: var(--red-2); }
.announce-dot {
  display: inline-block;
  width: 8px; height: 8px;
  background: var(--red-2);
  border-radius: 50%;
  margin-right: 10px;
  vertical-align: middle;
  animation: pulse-red 2s ease-in-out infinite;
}
@keyframes pulse-red {
  0%, 100% { box-shadow: 0 0 0 0 rgba(239,68,68,0.7); }
  50% { box-shadow: 0 0 0 8px rgba(239,68,68,0); }
}

/* ===========================================
   HEADER — Minimal: logo + CTA + hamburger
   =========================================== */
header {
  background: var(--bg);
  position: sticky;
  top: 0;
  z-index: 100;
  transition: all .25s ease;
  padding: 18px 0;
  border-bottom: 1px solid transparent;
}
header.scrolled {
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(14px);
  border-bottom-color: var(--gray-150);
  box-shadow: var(--shadow-xs);
  padding: 12px 0;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  transition: transform .3s ease;
  flex-shrink: 0;
}
.logo img {
  height: 52px;
  width: auto;
  display: block;
}
header.scrolled .logo img { height: 42px; }
.logo:hover { transform: scale(1.03); }

.nav-right {
  display: flex;
  align-items: center;
  gap: 14px;
}
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gray-900);
  font-size: 14px;
  font-weight: 700;
  padding: 8px 14px;
  border-radius: var(--r-pill);
  transition: background .2s;
}
.nav-phone:hover { background: var(--gray-100); }
.nav-phone svg {
  width: 18px; height: 18px;
  color: var(--red);
  flex-shrink: 0;
}
.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--red);
  color: #fff;
  padding: 12px 24px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 700;
  transition: all .25s ease;
  white-space: nowrap;
  box-shadow: var(--shadow-red);
}
.nav-cta:hover {
  background: var(--red-deep);
  transform: translateY(-2px);
  box-shadow: 0 20px 40px rgba(220,38,38,0.40);
}
.nav-cta svg { width: 14px; height: 14px; transition: transform .25s; }
.nav-cta:hover svg { transform: translateX(3px); }

.menu-toggle {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--gray-900);
  color: #fff;
  padding: 12px 18px 12px 22px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  cursor: pointer;
  transition: all .25s ease;
  letter-spacing: 0.02em;
}
.menu-toggle:hover {
  background: var(--red);
  transform: translateY(-1px);
}
.menu-toggle .mt-bars {
  display: flex;
  flex-direction: column;
  gap: 3px;
}
.menu-toggle .mt-bars span {
  width: 18px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all .3s ease;
}
.menu-toggle .mt-bars span:nth-child(2) { width: 14px; margin-left: auto; }

/* ===========================================
   FULLSCREEN MENU
   =========================================== */
.fs-menu {
  position: fixed;
  inset: 0;
  z-index: 200;
  background: var(--gray-900);
  display: flex;
  flex-direction: column;
  transform: translateY(-100%);
  transition: transform .55s cubic-bezier(0.7, 0, 0.3, 1);
  overflow-y: auto;
}
.fs-menu.open {
  transform: translateY(0);
}
.fs-menu::before {
  content: "";
  position: absolute;
  top: -150px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(220,38,38,0.30), transparent 60%);
  filter: blur(50px);
  pointer-events: none;
}
.fs-menu::after {
  content: "";
  position: absolute;
  bottom: -200px; left: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(127,29,29,0.30), transparent 60%);
  filter: blur(60px);
  pointer-events: none;
}

.fs-head {
  padding: 22px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  position: relative;
  z-index: 1;
}
.fs-head .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.fs-close {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--red);
  color: #fff;
  padding: 12px 22px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  cursor: pointer;
  transition: all .25s ease;
}
.fs-close:hover { background: var(--red-deep); transform: rotate(90deg); }
.fs-close svg { width: 16px; height: 16px; }

.fs-body {
  flex: 1;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  padding: 60px 0;
  position: relative;
  z-index: 1;
}
.fs-body .container {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  width: 100%;
}
.fs-left {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.fs-eyebrow {
  font-size: 12px;
  font-weight: 800;
  color: var(--red-3);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 22px;
}
.fs-nav-list {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.fs-nav-list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: clamp(36px, 5.5vw, 64px);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.035em;
  line-height: 1.15;
  padding: 8px 0;
  transition: all .3s ease;
  position: relative;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.fs-nav-list a:hover {
  color: var(--red-3);
  padding-left: 14px;
}
.fs-nav-list a .fs-num {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-500);
  letter-spacing: 0.05em;
  font-variant-numeric: tabular-nums;
}
.fs-nav-list a:hover .fs-num { color: var(--red-3); }

.fs-right {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 32px;
}
.fs-info-block {
  padding: 22px 26px;
  background: rgba(255,255,255,0.04);
  border-radius: var(--r-md);
  border: 1px solid rgba(255,255,255,0.08);
}
.fs-info-block h4 {
  color: var(--red-3);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.fs-info-block p, .fs-info-block a {
  color: rgba(255,255,255,0.85);
  font-size: 16px;
  line-height: 1.55;
  margin: 0;
  font-weight: 600;
}
.fs-info-block a { display: block; }
.fs-info-block a + a { margin-top: 6px; }

/* ===========================================
   HERO — Asymmetric split (60/40)
   =========================================== */
.hero {
  background: var(--bg);
  position: relative;
  overflow: hidden;
  padding: 80px 0 120px;
}
.hero::before {
  content: "";
  position: absolute;
  top: 0; right: 0;
  width: 50%; height: 100%;
  background: linear-gradient(135deg, var(--gray-100) 0%, var(--gray-50) 100%);
  z-index: 0;
}
.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-left {
  position: relative;
  z-index: 2;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 18px 8px 8px;
  background: var(--red-tint);
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 700;
  color: var(--red-deep);
  margin-bottom: 28px;
}
.hero-eyebrow .badge {
  background: var(--red);
  color: #fff;
  padding: 4px 12px;
  border-radius: var(--r-pill);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.hero h1 {
  font-size: clamp(42px, 6.5vw, 84px);
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.0;
  margin-bottom: 26px;
}
.hero h1 .red {
  color: var(--red);
  position: relative;
  display: inline-block;
}
.hero h1 .red::after {
  content: "";
  position: absolute;
  bottom: 8px;
  left: 0;
  right: 0;
  height: 8px;
  background: var(--red-soft);
  z-index: -1;
  border-radius: 4px;
}
.hero-lede {
  font-size: 18px;
  color: var(--gray-600);
  max-width: 540px;
  margin: 0 0 36px;
  line-height: 1.65;
}
.hero-cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}

/* Pill buttons */
.btn-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 30px;
  border-radius: var(--r-pill);
  font-size: 14.5px;
  font-weight: 700;
  transition: all .3s cubic-bezier(0.16, 1, 0.3, 1);
  white-space: nowrap;
  cursor: pointer;
  border: none;
  font-family: inherit;
}
.btn-pill svg {
  width: 16px; height: 16px;
  transition: transform .3s ease;
  flex-shrink: 0;
}
.btn-pill:hover svg { transform: translateX(4px); }
.btn-pill-red {
  background: var(--red);
  color: #fff;
  box-shadow: var(--shadow-red);
}
.btn-pill-red:hover {
  background: var(--red-deep);
  transform: translateY(-2px);
  box-shadow: 0 22px 48px rgba(220,38,38,0.40);
}
.btn-pill-dark {
  background: var(--gray-900);
  color: #fff;
}
.btn-pill-dark:hover {
  background: var(--red);
  transform: translateY(-2px);
}
.btn-pill-ghost {
  background: transparent;
  color: var(--gray-900);
  border: 1.5px solid var(--gray-300);
}
.btn-pill-ghost:hover {
  border-color: var(--red);
  color: var(--red);
  transform: translateY(-2px);
}

/* Hero trust line */
.hero-trust {
  display: flex;
  gap: 36px;
  flex-wrap: wrap;
}
.ht-item {
  display: flex;
  align-items: center;
  gap: 10px;
}
.ht-item .icon {
  width: 22px; height: 22px;
  background: var(--red-tint);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--red);
  flex-shrink: 0;
}
.ht-item .icon svg { width: 12px; height: 12px; }
.ht-item span {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--gray-700);
}

/* Hero right - animated visual */
.hero-right {
  position: relative;
  z-index: 2;
  height: 540px;
  display: grid;
  place-items: center;
}
.hero-visual {
  position: relative;
  width: 100%;
  height: 100%;
  display: grid;
  place-items: center;
}
/* Big red circle background */
.hero-visual::before {
  content: "";
  position: absolute;
  width: 380px;
  height: 380px;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  border-radius: 50%;
  box-shadow: 0 40px 90px rgba(220,38,38,0.30);
  animation: hero-pulse 4s ease-in-out infinite;
}
@keyframes hero-pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.04); }
}
/* Center: large rate display */
.hero-rate-card {
  position: relative;
  z-index: 2;
  background: var(--bg);
  border-radius: var(--r-xl);
  padding: 32px 40px;
  text-align: center;
  box-shadow: var(--shadow-lg);
  min-width: 280px;
}
.hero-rate-card .label {
  font-size: 11.5px;
  font-weight: 800;
  color: var(--red);
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.hero-rate-card .rate {
  font-size: 72px;
  font-weight: 800;
  color: var(--gray-900);
  letter-spacing: -0.04em;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.hero-rate-card .rate .pct { font-size: 0.45em; color: var(--red); }
.hero-rate-card .sub {
  font-size: 13px;
  color: var(--gray-500);
  margin-top: 6px;
}

/* Floating mini cards around hero visual */
.hero-float {
  position: absolute;
  background: var(--bg);
  border-radius: var(--r-md);
  padding: 14px 18px;
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
  gap: 10px;
  z-index: 3;
}
.hero-float .ico {
  width: 36px; height: 36px;
  background: var(--red-tint);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--red);
  flex-shrink: 0;
}
.hero-float .ico svg { width: 18px; height: 18px; }
.hero-float .txt .v {
  font-size: 18px;
  font-weight: 800;
  color: var(--gray-900);
  line-height: 1;
}
.hero-float .txt .l {
  font-size: 11px;
  color: var(--gray-500);
  margin-top: 3px;
}
.hero-float.f1 { top: 8%; left: -10px; animation: float-y 5s ease-in-out infinite; }
.hero-float.f2 { top: 35%; right: -20px; animation: float-y 6s ease-in-out infinite -2s; }
.hero-float.f3 { bottom: 12%; left: 8%; animation: float-y 7s ease-in-out infinite -3s; }
@keyframes float-y {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

/* ===========================================
   MARQUEE — Trust strip infinite scroll
   =========================================== */
.marquee-wrap {
  background: var(--gray-900);
  padding: 22px 0;
  overflow: hidden;
  position: relative;
}
.marquee-wrap::before, .marquee-wrap::after {
  content: "";
  position: absolute;
  top: 0; bottom: 0;
  width: 100px;
  z-index: 2;
  pointer-events: none;
}
.marquee-wrap::before { left: 0; background: linear-gradient(90deg, var(--gray-900), transparent); }
.marquee-wrap::after { right: 0; background: linear-gradient(-90deg, var(--gray-900), transparent); }
.marquee {
  display: flex;
  gap: 60px;
  width: max-content;
  animation: marquee 40s linear infinite;
}
@keyframes marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.mq-item {
  display: flex;
  align-items: center;
  gap: 14px;
  color: rgba(255,255,255,0.85);
  font-size: 16px;
  font-weight: 600;
  white-space: nowrap;
}
.mq-item .num {
  font-size: 22px;
  font-weight: 800;
  color: var(--red-3);
  font-variant-numeric: tabular-nums;
}
.mq-dot {
  width: 6px;
  height: 6px;
  background: var(--red);
  border-radius: 50%;
  display: inline-block;
}

/* ===========================================
   SECTION COMMONS
   =========================================== */
.section { padding: 100px 0; }
.section-alt { background: var(--bg-gray); }
.section-soft { background: var(--bg-soft); }
.section-dark { background: var(--gray-900); color: #fff; }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 60px;
}
.section-head .eyebrow {
  display: inline-block;
  padding: 6px 16px;
  background: var(--red-tint);
  color: var(--red-deep);
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.section-dark .eyebrow {
  background: rgba(220,38,38,0.18);
  color: var(--red-3);
}
.section-head h2 {
  font-size: clamp(34px, 5vw, 54px);
  margin-bottom: 14px;
  letter-spacing: -0.035em;
  font-weight: 800;
}
.section-dark .section-head h2 { color: #fff; }
.section-head p {
  color: var(--gray-500);
  font-size: 17px;
  line-height: 1.65;
  margin: 0;
}
.section-dark .section-head p { color: rgba(255,255,255,0.65); }

/* Section header with left-align option */
.section-head.left {
  text-align: left;
  max-width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 40px;
  margin-bottom: 50px;
}
.section-head.left .sh-inner { max-width: 620px; }
.section-head.left .sh-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 700;
  color: var(--red);
  padding: 12px 20px;
  border-radius: var(--r-pill);
  background: var(--red-tint);
  transition: all .25s;
  white-space: nowrap;
}
.section-head.left .sh-link:hover { background: var(--red); color: #fff; }
.section-head.left .sh-link svg { width: 14px; height: 14px; transition: transform .25s; }
.section-head.left .sh-link:hover svg { transform: translateX(3px); }

/* ===========================================
   BANK LIST — Oval pill cards (Sacred)
   =========================================== */
.banks-section {
  padding: 90px 0;
  background: var(--bg);
}
.bank-list {
  display: flex;
  flex-direction: column;
  gap: 22px;
  padding-top: 12px;
}
.bank-item {
  background: var(--bg);
  border: 2px solid var(--gray-150);
  border-radius: var(--r-xl);
  padding: 22px 28px;
  display: grid;
  grid-template-columns: 250px 1fr 180px;
  gap: 28px;
  align-items: center;
  position: relative;
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
}
.bank-item::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 5px;
  height: 100%;
  background: linear-gradient(to bottom, var(--red), var(--red-deep));
  opacity: 0;
  transition: opacity .3s ease;
  border-top-left-radius: var(--r-xl);
  border-bottom-left-radius: var(--r-xl);
}
.bank-item:hover {
  border-color: var(--red);
  box-shadow: 0 16px 40px rgba(220,38,38,0.12);
  transform: translateY(-4px);
}
.bank-item:hover::before { opacity: 1; }

.bank-badge {
  position: absolute;
  top: -12px;
  left: 28px;
  background: var(--red);
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  padding: 5px 14px;
  border-radius: var(--r-pill);
  text-transform: uppercase;
  box-shadow: var(--shadow-red);
  z-index: 2;
}
.bank-badge::before { content: "★ "; }

.bi-left {
  display: flex;
  align-items: center;
  gap: 16px;
}
.bi-logo-img {
  width: 64px;
  height: 64px;
  background: var(--gray-100);
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.bi-logo-img img { max-width: 48px; max-height: 48px; object-fit: contain; }
.bi-logo-img.no-logo {
  background: linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  color: #fff;
  font-size: 24px;
  font-weight: 800;
  text-transform: uppercase;
}
.bi-text { min-width: 0; }
.bi-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 4px;
}
.bi-rating {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  color: var(--gray-500);
}
.bi-stars { color: var(--star); letter-spacing: 1px; font-size: 13px; }

.bi-metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}
.bi-metric {
  background: var(--gray-100);
  border-radius: var(--r-pill);
  padding: 8px 14px;
  text-align: center;
}
.bi-metric.primary {
  background: var(--red-tint);
}
.bi-metric .lbl {
  font-size: 10.5px;
  font-weight: 700;
  color: var(--gray-500);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 3px;
}
.bi-metric .val {
  font-size: 15px;
  font-weight: 800;
  color: var(--gray-900);
  font-variant-numeric: tabular-nums;
  line-height: 1.1;
}
.bi-metric.primary .val { color: var(--red-deep); font-size: 17px; }

.bi-cta {
  background: var(--red);
  color: #fff;
  padding: 14px 22px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-align: center;
  transition: all .25s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  cursor: pointer;
  border: none;
  font-family: inherit;
  width: 100%;
  box-shadow: var(--shadow-red);
}
.bi-cta:hover {
  background: var(--gray-900);
  transform: translateY(-2px);
  box-shadow: 0 18px 36px rgba(17,24,39,0.20);
}
.bi-cta svg { width: 14px; height: 14px; transition: transform .25s; }
.bi-cta:hover svg { transform: translateX(3px); }

.bi-info-strip {
  grid-column: 1 / -1;
  display: flex;
  gap: 22px;
  padding-top: 16px;
  margin-top: 4px;
  border-top: 1px dashed var(--gray-200);
  flex-wrap: wrap;
}
.bi-info-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--gray-600);
}
.bi-info-item svg {
  width: 14px; height: 14px;
  color: var(--red);
  flex-shrink: 0;
}

/* ===========================================
   FEATURES — 3 column hover cards
   =========================================== */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.feature-card {
  background: var(--bg);
  border: 1px solid var(--gray-150);
  border-radius: var(--r-lg);
  padding: 38px 32px;
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--red), var(--red-2));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.feature-card:hover {
  transform: translateY(-8px);
  border-color: var(--red-soft);
  box-shadow: var(--shadow-md);
}
.feature-card:hover::before { transform: scaleX(1); }
.feature-card .fc-num {
  font-size: 13px;
  font-weight: 800;
  color: var(--red);
  letter-spacing: 0.10em;
  margin-bottom: 18px;
}
.feature-card .fc-icon {
  width: 68px; height: 68px;
  background: var(--red-tint);
  color: var(--red-deep);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  margin-bottom: 24px;
  transition: all .35s ease;
}
.feature-card:hover .fc-icon {
  background: var(--red);
  color: #fff;
  transform: rotate(-6deg) scale(1.05);
}
.feature-card .fc-icon svg { width: 30px; height: 30px; }
.feature-card h3 {
  font-size: 22px;
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}
.feature-card p {
  font-size: 14.5px;
  color: var(--gray-500);
  line-height: 1.65;
  margin: 0;
}

/* ===========================================
   ANFRAGE FORM — Red split card
   =========================================== */
.anfrage-section {
  padding: 110px 0;
  background: var(--bg-gray);
  position: relative;
  overflow: hidden;
}
.anfrage-section::before {
  content: "";
  position: absolute;
  top: -150px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, var(--red-soft), transparent 60%);
  filter: blur(50px);
}
.anfrage-wrap {
  max-width: 1080px;
  margin: 0 auto;
  background: var(--bg);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  position: relative;
  z-index: 1;
}
.anfrage-side {
  background: linear-gradient(135deg, var(--red) 0%, var(--red-darker) 100%);
  color: #fff;
  padding: 50px 44px;
  position: relative;
  overflow: hidden;
}
.anfrage-side::before {
  content: "";
  position: absolute;
  top: -100px; right: -80px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(255,255,255,0.20), transparent 60%);
}
.anfrage-side > * { position: relative; z-index: 1; }
.anfrage-side .eyebrow {
  display: inline-block;
  background: rgba(255,255,255,0.18);
  padding: 6px 14px;
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 22px;
}
.anfrage-side h2 {
  font-size: 36px;
  color: #fff;
  margin-bottom: 18px;
  letter-spacing: -0.025em;
  line-height: 1.05;
}
.anfrage-side p {
  font-size: 15px;
  color: rgba(255,255,255,0.85);
  line-height: 1.65;
  margin: 0 0 36px;
}
.anfrage-perks {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.anfrage-perks li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14.5px;
  font-weight: 600;
  color: rgba(255,255,255,0.95);
}
.anfrage-perks li::before {
  content: "✓";
  width: 24px;
  height: 24px;
  background: rgba(255,255,255,0.18);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 12px;
  flex-shrink: 0;
}

.anfrage-form {
  padding: 50px 44px;
}
.anfrage-form h3 {
  font-size: 22px;
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}
.anfrage-form .form-intro {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 28px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.field { margin-bottom: 12px; }
.anfrage-form label,
.am-form label,
.bm-form label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: 6px;
  letter-spacing: 0.02em;
}
.anfrage-form label .req,
.am-form label .req,
.bm-form label .req { color: var(--red); }
.anfrage-form input:not([type="checkbox"]):not([type="hidden"]),
.anfrage-form select,
.anfrage-form textarea,
.am-form input:not([type="checkbox"]):not([type="hidden"]),
.am-form select,
.bm-form input:not([type="checkbox"]):not([type="hidden"]),
.bm-form select {
  width: 100%;
  padding: 13px 16px;
  font-size: 14.5px;
  background: var(--gray-100);
  border: 1.5px solid transparent;
  border-radius: var(--r-md);
  color: var(--gray-900);
  font-family: inherit;
  transition: all .2s;
}
.anfrage-form input::placeholder,
.am-form input::placeholder,
.bm-form input::placeholder { color: var(--gray-400); }
.anfrage-form input:not([type="checkbox"]):focus,
.anfrage-form select:focus,
.anfrage-form textarea:focus,
.am-form input:not([type="checkbox"]):focus,
.am-form select:focus,
.bm-form input:not([type="checkbox"]):focus,
.bm-form select:focus {
  outline: none;
  border-color: var(--red);
  background: var(--bg);
  box-shadow: 0 0 0 4px rgba(220,38,38,0.12);
}
.anfrage-form textarea { resize: vertical; min-height: 80px; }
.anfrage-form .check,
.am-form .check,
.bm-form .check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 18px;
  font-size: 12.5px;
  color: var(--gray-500);
  line-height: 1.55;
}
.anfrage-form .check input,
.am-form .check input,
.bm-form .check input {
  margin-top: 3px;
  flex-shrink: 0;
  accent-color: var(--red);
  width: 16px; height: 16px;
}
.anfrage-form .check a,
.am-form .check a,
.bm-form .check a {
  color: var(--red-deep);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 700;
}
.btn-submit {
  width: 100%;
  background: var(--red);
  color: #fff;
  padding: 16px 22px;
  border: none;
  border-radius: var(--r-pill);
  font-size: 14.5px;
  font-weight: 800;
  letter-spacing: 0.02em;
  cursor: pointer;
  font-family: inherit;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all .25s;
  box-shadow: var(--shadow-red);
}
.btn-submit:hover {
  background: var(--gray-900);
  transform: translateY(-1px);
}
.btn-submit:disabled { opacity: 0.6; cursor: not-allowed; }
.btn-submit svg {
  width: 16px; height: 16px;
  transition: transform .25s;
}
.btn-submit:hover svg { transform: translateX(3px); }
.form-msg {
  margin-top: 14px;
  padding: 12px 16px;
  border-radius: var(--r-md);
  font-size: 13.5px;
  display: none;
}
.form-msg.show { display: block; }
.form-msg.error {
  background: #FEF2F2;
  color: #B91C1C;
  border-left: 4px solid var(--red);
}

/* ===========================================
   CALCULATOR v2 — Dashboard style
   =========================================== */
.calc-section {
  padding: 100px 0;
  background: var(--bg);
}
.calc-shell-v2 {
  background: var(--bg);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  border: 1px solid var(--gray-150);
  position: relative;
}
.calc-shell-v2::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--red-darker) 0%, var(--red) 50%, var(--red-2) 100%);
  z-index: 2;
}

.calc-top {
  padding: 40px 44px 36px;
  border-bottom: 1px solid var(--gray-150);
}
.calc-top-label {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 30px;
  gap: 20px;
  flex-wrap: wrap;
}
.calc-step {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: var(--red);
}
.calc-step::before {
  content: "";
  width: 6px; height: 6px;
  background: var(--red);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(220,38,38,0.18);
}
.calc-top h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--gray-700);
  letter-spacing: -0.01em;
  margin: 0;
}

.calc-sliders-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}
.cs-slot { display: flex; flex-direction: column; min-width: 0; }
.cs-label {
  font-size: 11.5px;
  font-weight: 800;
  color: var(--gray-500);
  margin-bottom: 6px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.cs-val {
  font-size: 28px;
  font-weight: 800;
  color: var(--red-deep);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.025em;
  margin-bottom: 16px;
  line-height: 1;
}
.cs-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--gray-400);
  font-weight: 600;
  margin-top: 8px;
  font-variant-numeric: tabular-nums;
}

.calc-result {
  padding: 56px 44px 50px;
  text-align: center;
  background: var(--gray-900);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.calc-result::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 38px 38px;
  pointer-events: none;
}
.calc-result::after {
  content: "";
  position: absolute;
  top: -160px;
  left: 50%;
  transform: translateX(-50%);
  width: 800px; height: 500px;
  background: radial-gradient(ellipse, rgba(239,68,68,0.32), transparent 60%);
  filter: blur(50px);
  pointer-events: none;
}
.calc-result > * { position: relative; z-index: 1; }
.cr-label {
  display: inline-block;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--red-2);
  margin-bottom: 16px;
  padding: 5px 14px;
  background: rgba(239,68,68,0.14);
  border-radius: var(--r-pill);
}
.cr-final {
  font-size: clamp(60px, 11vw, 120px);
  font-weight: 800;
  color: #fff;
  line-height: 0.95;
  letter-spacing: -0.045em;
  font-variant-numeric: tabular-nums;
  margin-bottom: 14px;
  display: inline-flex;
  align-items: baseline;
  gap: 8px;
}
.cr-final .euro {
  color: var(--red-2);
  font-size: 0.6em;
}
.cr-sub {
  font-size: 16px;
  color: rgba(255,255,255,0.75);
  margin: 0;
}
.cr-sub strong { color: var(--red-2); font-weight: 800; }

.calc-breakdown {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.cb-card {
  background: var(--bg);
  padding: 26px 28px;
  text-align: center;
  border-right: 1px solid var(--gray-150);
  transition: background .2s;
}
.cb-card:last-child { border-right: none; }
.cb-card:hover { background: var(--gray-50); }
.cb-lbl {
  font-size: 10.5px;
  font-weight: 800;
  color: var(--gray-500);
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.cb-val {
  font-size: 22px;
  font-weight: 800;
  color: var(--gray-900);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}
.cb-val.cb-gain { color: var(--red-deep); }

.calc-actions {
  padding: 28px 44px 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  background: var(--gray-100);
  border-top: 1px solid var(--gray-150);
}
.calc-quick {
  display: flex;
  gap: 8px;
  align-items: center;
  flex-wrap: wrap;
}
.cq-label {
  font-size: 11.5px;
  font-weight: 800;
  color: var(--gray-600);
  margin-right: 6px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.calc-cta-v2 {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--red);
  color: #fff;
  padding: 14px 28px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 800;
  transition: all .25s;
  box-shadow: var(--shadow-red);
  white-space: nowrap;
}
.calc-cta-v2:hover {
  background: var(--gray-900);
  transform: translateY(-2px);
  box-shadow: 0 18px 36px rgba(17,24,39,0.20);
}
.calc-cta-v2 svg { width: 14px; height: 14px; transition: transform .25s; }
.calc-cta-v2:hover svg { transform: translateX(3px); }
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: linear-gradient(90deg, var(--red) 0%, var(--red) var(--filled, 50%), var(--gray-200) var(--filled, 50%));
  border-radius: 3px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px; height: 24px;
  background: var(--bg);
  border: 4px solid var(--red);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(220,38,38,0.40);
  transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
  width: 24px; height: 24px;
  background: var(--bg);
  border: 4px solid var(--red);
  border-radius: 50%;
  cursor: pointer;
}
.range-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--gray-400);
  margin-top: 6px;
}
.quick-select {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.qs {
  padding: 12px 16px;
  background: var(--gray-100);
  border: 1.5px solid transparent;
  border-radius: var(--r-pill);
  color: var(--gray-700);
  font-size: 12.5px;
  font-weight: 700;
  cursor: pointer;
  transition: all .2s;
  font-family: inherit;
  white-space: nowrap;
}
.qs:hover { background: var(--red-tint); color: var(--red-deep); }
.qs.selected {
  background: var(--red);
  color: #fff;
  box-shadow: var(--shadow-red);
}

/* ===========================================
   BLOG / GUIDES SECTION — 3 col grid
   =========================================== */
.blog-section { padding: 100px 0; background: var(--bg-gray); }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.blog-card {
  background: var(--bg);
  border-radius: var(--r-lg);
  overflow: hidden;
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  border: 1px solid var(--gray-150);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--red-soft);
}
.blog-thumb {
  height: 200px;
  position: relative;
  overflow: hidden;
  background: var(--gray-100);
  display: grid;
  place-items: center;
}
.blog-thumb-svg {
  width: 100%;
  height: 100%;
  transition: transform .55s cubic-bezier(0.16, 1, 0.3, 1);
}
.blog-card:hover .blog-thumb-svg { transform: scale(1.06); }
.blog-tag {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(255,255,255,0.95);
  color: var(--red-deep);
  padding: 4px 12px;
  border-radius: var(--r-pill);
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  backdrop-filter: blur(8px);
  z-index: 2;
}
.blog-body {
  padding: 24px 26px 26px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.blog-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 12px;
  color: var(--gray-500);
  margin-bottom: 12px;
}
.blog-meta .dot { width: 4px; height: 4px; background: var(--gray-300); border-radius: 50%; }
.blog-title {
  font-size: 19px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 10px;
  line-height: 1.3;
  color: var(--gray-900);
}
.blog-card:hover .blog-title { color: var(--red-deep); }
.blog-excerpt {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.6;
  margin-bottom: 18px;
  flex: 1;
}
.blog-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 700;
  color: var(--red);
  transition: gap .25s;
}
.blog-link:hover { gap: 12px; }
.blog-link svg { width: 14px; height: 14px; }

/* ===========================================
   REVIEWS SLIDER
   =========================================== */
.reviews-section {
  padding: 100px 0;
  background: var(--bg);
  overflow: hidden;
}
.reviews-slider-wrap {
  position: relative;
}
.reviews-slider {
  display: flex;
  overflow: hidden;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  -webkit-overflow-scrolling: touch;
  gap: 24px;
  padding: 8px 4px 20px;
}
.reviews-slider::-webkit-scrollbar { display: none; }
.review-card {
  flex: 0 0 calc(33.333% - 16px);
  scroll-snap-align: start;
  background: var(--bg);
  border-radius: var(--r-lg);
  padding: 32px 30px;
  position: relative;
  border: 1px solid var(--gray-150);
  transition: all .35s ease;
  display: flex;
  flex-direction: column;
}
.review-card:hover {
  border-color: var(--red-soft);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}
.review-card::before {
  content: '"';
  position: absolute;
  top: 12px; right: 24px;
  font-family: Georgia, serif;
  font-size: 80px;
  color: var(--red-soft);
  line-height: 1;
  z-index: 0;
}
.review-card > * { position: relative; z-index: 1; }
.rv-stars {
  color: var(--star);
  letter-spacing: 2px;
  font-size: 16px;
  margin-bottom: 14px;
}
.rv-quote {
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.7;
  margin-bottom: 22px;
  flex: 1;
}
.rv-author {
  display: flex;
  gap: 12px;
  align-items: center;
  padding-top: 16px;
  border-top: 1px solid var(--gray-150);
}
.rv-avatar {
  width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 16px;
  flex-shrink: 0;
  box-shadow: var(--shadow-red);
}
.rv-info .name {
  font-weight: 800;
  font-size: 14.5px;
  color: var(--gray-900);
}
.rv-info .role {
  font-size: 12.5px;
  color: var(--gray-500);
}

.slider-controls {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-top: 32px;
}
.slider-arrow {
  width: 50px; height: 50px;
  border-radius: 50%;
  background: var(--bg);
  border: 1.5px solid var(--gray-200);
  display: grid;
  place-items: center;
  color: var(--gray-700);
  cursor: pointer;
  transition: all .25s;
}
.slider-arrow:hover {
  background: var(--red);
  border-color: var(--red);
  color: #fff;
  transform: scale(1.05);
}
.slider-arrow:disabled {
  opacity: 0.4;
  cursor: not-allowed;
}
.slider-arrow:disabled:hover {
  background: var(--bg);
  border-color: var(--gray-200);
  color: var(--gray-700);
  transform: none;
}
.slider-arrow svg { width: 20px; height: 20px; }

/* ===========================================
   FAQ — Numbered accordion
   =========================================== */
.faq-section { padding: 100px 0; background: var(--bg); }
.faq-wrap { max-width: 880px; margin: 0 auto; }
details {
  background: var(--bg);
  border: 1px solid var(--gray-150);
  border-radius: var(--r-md);
  margin-bottom: 14px;
  transition: all .25s;
  overflow: hidden;
}
details[open] {
  border-color: var(--red);
  box-shadow: 0 12px 28px rgba(220,38,38,0.10);
}
summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 28px;
  cursor: pointer;
  list-style: none;
  font-size: 16.5px;
  font-weight: 700;
  color: var(--gray-900);
  gap: 16px;
}
summary::-webkit-details-marker { display: none; }
summary .faq-num {
  font-size: 13px;
  font-weight: 800;
  color: var(--gray-400);
  letter-spacing: 0.04em;
  flex-shrink: 0;
  font-variant-numeric: tabular-nums;
}
details[open] summary .faq-num { color: var(--red); }
summary .plus {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--red-tint);
  display: grid;
  place-items: center;
  color: var(--red-deep);
  font-weight: 700;
  font-size: 20px;
  flex-shrink: 0;
  transition: all .3s;
  margin-left: auto;
}
details[open] summary .plus {
  background: var(--red);
  color: #fff;
  transform: rotate(45deg);
}
details > div {
  padding: 0 28px 22px;
  color: var(--gray-600);
  font-size: 14.5px;
  line-height: 1.7;
}
details > div p { margin: 0 0 10px; }

/* ===========================================
   CTA BANNER v2 — Grid pattern + outlined deco
   =========================================== */
.cta-banner { padding: 100px 0; background: var(--bg); }
.cta-v2 {
  background: linear-gradient(135deg, var(--gray-900) 0%, #1a0a0a 60%, #2a0808 100%);
  border-radius: var(--r-xl);
  padding: 70px 60px;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  align-items: center;
  gap: 40px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
/* Background grid pattern */
.cta-v2::before {
  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: 42px 42px;
  pointer-events: none;
}
/* Red glow */
.cta-v2::after {
  content: "";
  position: absolute;
  top: -200px; right: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(220,38,38,0.32), transparent 60%);
  filter: blur(60px);
  pointer-events: none;
}
.cta-v2 > * { position: relative; z-index: 1; }

.cta-v2-content { padding: 6px 0; }
.cta-v2-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 16px;
  background: rgba(220,38,38,0.20);
  color: var(--red-2);
  border: 1px solid rgba(220,38,38,0.30);
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 26px;
}
.cta-v2-badge::before {
  content: "";
  width: 8px; height: 8px;
  background: var(--red-2);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(239,68,68,0.20);
  animation: pulse-red 2s ease-in-out infinite;
}
.cta-v2-content h2 {
  font-size: clamp(40px, 6vw, 64px);
  color: #fff;
  letter-spacing: -0.04em;
  line-height: 0.95;
  margin-bottom: 20px;
}
.cta-v2-content h2 .red { color: var(--red-2); }
.cta-v2-content p {
  font-size: 16.5px;
  color: rgba(255,255,255,0.70);
  margin: 0 0 32px;
  line-height: 1.65;
  max-width: 460px;
}
.cta-v2-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.cta-v2-actions .btn-pill-red {
  background: #fff;
  color: var(--red-deep);
}
.cta-v2-actions .btn-pill-red:hover {
  background: var(--red);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 22px 40px rgba(220,38,38,0.40);
}
.cta-v2-actions .btn-pill-ghost {
  color: #fff;
  border-color: rgba(255,255,255,0.30);
  background: transparent;
}
.cta-v2-actions .btn-pill-ghost:hover {
  background: rgba(255,255,255,0.10);
  color: #fff;
  border-color: rgba(255,255,255,0.55);
}

.cta-v2-deco {
  position: relative;
  display: grid;
  place-items: center;
  height: 340px;
}
.cta-stat-deco {
  font-size: clamp(120px, 16vw, 200px);
  font-weight: 800;
  color: transparent;
  -webkit-text-stroke: 2px var(--red-2);
  letter-spacing: -0.055em;
  line-height: 0.85;
  font-variant-numeric: tabular-nums;
  position: relative;
  z-index: 2;
  text-stroke: 2px var(--red-2);
}
.cta-stat-deco .pct {
  font-size: 0.45em;
  vertical-align: top;
  margin-left: 4px;
}
.cta-circle {
  position: absolute;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  opacity: 0.20;
  filter: blur(2px);
  z-index: 1;
  animation: hero-pulse 4s ease-in-out infinite;
}
.cta-mini-stats {
  position: absolute;
  z-index: 3;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--r-md);
  padding: 12px 18px;
  backdrop-filter: blur(8px);
  font-size: 13px;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
}
.cta-mini-stats .ms-dot {
  width: 8px; height: 8px;
  background: var(--red-2);
  border-radius: 50%;
}
.cta-mini-stats.cms1 { top: 14%; right: -10px; animation: float-y 5s ease-in-out infinite; }
.cta-mini-stats.cms2 { bottom: 12%; left: 8%; animation: float-y 6s ease-in-out infinite -2.5s; }

/* ===========================================
   FOOTER — Light gray with red accent
   =========================================== */
footer {
  background: var(--gray-900);
  color: rgba(255,255,255,0.65);
  padding: 70px 0 30px;
  position: relative;
  overflow: hidden;
}
footer::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--red-darker) 0%, var(--red) 50%, var(--red-2) 100%);
}
.footer-row {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 44px;
}
.footer-brand img { height: 60px; }
.footer-brand p {
  font-size: 14px;
  line-height: 1.65;
  color: rgba(255,255,255,0.55);
  margin: 18px 0 22px;
  max-width: 340px;
}
.footer-social {
  display: flex;
  gap: 10px;
}
.footer-social a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: rgba(255,255,255,0.75);
  transition: all .25s;
}
.footer-social a:hover {
  background: var(--red);
  color: #fff;
  transform: translateY(-2px);
}
.footer-social svg { width: 16px; height: 16px; }
footer h4 {
  font-size: 11.5px;
  font-weight: 800;
  color: var(--red-2);
  margin-bottom: 18px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
}
footer ul { list-style: none; padding: 0; margin: 0; }
footer li {
  margin-bottom: 12px;
  font-size: 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
footer li svg {
  width: 16px; height: 16px;
  color: var(--red-2);
  flex-shrink: 0;
  margin-top: 2px;
}
footer a { color: rgba(255,255,255,0.65); transition: color .15s; }
footer a:hover { color: var(--red-2); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 13px;
  color: rgba(255,255,255,0.45);
}

/* ===========================================
   BANK MODAL
   =========================================== */
.bank-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(17,24,39,0.78);
  z-index: 1100;
  padding: 20px;
  backdrop-filter: blur(8px);
  overflow-y: auto;
  align-items: flex-start;
  justify-content: center;
}
.bank-modal.show {
  display: flex;
  animation: bm-fade .25s ease;
}
@keyframes bm-fade { from { opacity: 0; } to { opacity: 1; } }
.bm-card {
  background: var(--bg);
  max-width: 540px;
  width: 100%;
  border-radius: var(--r-xl);
  padding: 40px 36px 30px;
  margin: auto;
  position: relative;
  box-shadow: var(--shadow-lg);
  animation: bm-pop .35s cubic-bezier(0.16, 1, 0.3, 1);
}
@keyframes bm-pop {
  from { transform: translateY(20px) scale(0.96); opacity: 0; }
  to { transform: translateY(0) scale(1); opacity: 1; }
}
.bm-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--red-darker) 0%, var(--red) 50%, var(--red-2) 100%);
  border-radius: var(--r-xl) var(--r-xl) 0 0;
}
.bm-close {
  position: absolute;
  top: 16px; right: 16px;
  width: 38px; height: 38px;
  background: var(--gray-100);
  border-radius: 50%;
  display: grid;
  place-items: center;
  cursor: pointer;
  color: var(--gray-600);
  font-size: 18px;
  font-weight: 600;
  transition: all .25s;
  border: none;
}
.bm-close:hover {
  background: var(--red);
  color: #fff;
  transform: rotate(90deg);
}
.bm-bank-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px;
  background: var(--red-tint);
  border: 1px solid var(--red-soft);
  border-radius: var(--r-pill);
  font-size: 12px;
  font-weight: 700;
  color: var(--red-deep);
  margin-bottom: 16px;
}
.bm-bank-badge::before {
  content: "";
  width: 8px; height: 8px;
  background: var(--red);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(220,38,38,0.20);
}
.bm-bank-name { font-weight: 800; color: var(--gray-900); }
.bm-card h3 {
  font-size: 26px;
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}
.bm-intro {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 22px;
  line-height: 1.55;
}

/* ===========================================
   DANKE PAGE
   =========================================== */
.danke-page {
  padding: 100px 0;
  background: var(--bg-gray);
  position: relative;
  overflow: hidden;
  min-height: 70vh;
  display: flex;
  align-items: center;
}
.danke-page::before {
  content: "";
  position: absolute;
  top: -150px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, var(--red-soft), transparent 60%);
  filter: blur(40px);
}
.danke-wrap {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 2;
}
.danke-icon {
  width: 110px; height: 110px;
  margin: 0 auto 30px;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #fff;
  font-size: 50px;
  font-weight: 800;
  box-shadow: 0 22px 48px rgba(220,38,38,0.45);
  position: relative;
  animation: scaleIn .5s cubic-bezier(0.16, 1, 0.3, 1);
}
.danke-icon::before {
  content: "";
  position: absolute;
  inset: -10px;
  border: 2px solid var(--red);
  border-radius: 50%;
  opacity: 0.35;
  animation: ringExpand 1.6s ease-out infinite;
}
@keyframes scaleIn {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
@keyframes ringExpand {
  0%   { transform: scale(1);   opacity: 0.4; }
  100% { transform: scale(1.5); opacity: 0; }
}
.danke-page h1 {
  font-size: clamp(36px, 5vw, 56px);
  margin-bottom: 14px;
  letter-spacing: -0.035em;
}
.danke-wrap > p {
  font-size: 16px;
  color: var(--gray-600);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.65;
}
.danke-ref {
  display: inline-block;
  margin-top: 12px;
  padding: 6px 16px;
  background: var(--red-tint);
  color: var(--red-deep);
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 700;
}
.danke-card {
  background: var(--bg);
  border-radius: var(--r-lg);
  padding: 36px 38px;
  text-align: left;
  margin-bottom: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-150);
}
.danke-card h3 {
  font-size: 19px;
  font-weight: 800;
  text-align: center;
  margin-bottom: 22px;
}
.danke-steps {
  list-style: none;
  margin: 0;
  padding: 0;
}
.danke-steps li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px 0;
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.55;
}
.danke-steps li + li { border-top: 1px solid var(--gray-150); }
.danke-steps .step-num {
  width: 32px; height: 32px;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 13px;
  font-weight: 800;
  flex-shrink: 0;
}
.danke-back {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--gray-900);
  color: #fff;
  padding: 14px 30px;
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.02em;
  transition: all .25s;
}
.danke-back:hover {
  background: var(--red);
  transform: translateY(-2px);
}
.danke-back svg { width: 14px; height: 14px; transition: transform .25s; }
.danke-back:hover svg { transform: translateX(-3px); }

/* ===========================================
   LEGAL PAGES
   =========================================== */
.legal-page {
  padding: 70px 0 90px;
  max-width: 820px;
  margin: 0 auto;
}
.legal-page h1 {
  font-size: clamp(36px, 5vw, 52px);
  margin-bottom: 28px;
  letter-spacing: -0.035em;
}
.legal-page h2 {
  font-size: 22px;
  margin: 38px 0 14px;
  color: var(--red-deep);
  letter-spacing: -0.02em;
}
.legal-page h3 {
  font-size: 16px;
  margin: 22px 0 10px;
  color: var(--gray-700);
}
.legal-page p, .legal-page li {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.75;
}
.legal-page ul, .legal-page ol { padding-left: 20px; }
.legal-page a {
  color: var(--red-deep);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 700;
}
.legal-page strong { color: var(--gray-900); font-weight: 700; }
.info-block {
  background: var(--red-tint);
  border-left: 4px solid var(--red);
  border-radius: var(--r-md);
  padding: 20px 24px;
  margin: 22px 0;
}
.info-block p { margin: 4px 0; }

/* ===========================================
   BLOG DETAIL PAGE
   =========================================== */
.article-page {
  padding: 60px 0 80px;
  background: var(--bg);
}
.article-back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: var(--gray-100);
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 700;
  color: var(--gray-700);
  margin-bottom: 36px;
  transition: all .2s;
}
.article-back:hover { background: var(--red-tint); color: var(--red-deep); }
.article-back svg {
  width: 14px; height: 14px;
  transition: transform .25s;
}
.article-back:hover svg { transform: translateX(-3px); }

.article-hero {
  max-width: 800px;
  margin: 0 auto 48px;
  text-align: center;
}
.article-tag {
  display: inline-block;
  padding: 6px 16px;
  background: var(--red-tint);
  color: var(--red-deep);
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.article-hero h1 {
  font-size: clamp(34px, 5vw, 56px);
  margin-bottom: 22px;
  letter-spacing: -0.035em;
  line-height: 1.1;
}
.article-meta {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--gray-500);
  font-size: 14px;
}
.article-meta .dot {
  width: 4px; height: 4px;
  background: var(--gray-300);
  border-radius: 50%;
}

.article-hero-thumb {
  max-width: 1000px;
  margin: 0 auto 60px;
  height: clamp(240px, 38vw, 420px);
  border-radius: var(--r-xl);
  overflow: hidden;
  background: var(--gray-100);
  display: grid;
  place-items: center;
}
.article-hero-thumb svg {
  width: 100%; height: 100%;
}

.article-body {
  max-width: 740px;
  margin: 0 auto;
  font-size: 17px;
  line-height: 1.8;
  color: var(--gray-700);
}
.article-body > p:first-of-type::first-letter {
  font-size: 4em;
  font-weight: 800;
  color: var(--red);
  float: left;
  line-height: 0.9;
  margin: 8px 12px 0 0;
  letter-spacing: -0.02em;
}
.article-body h2 {
  font-size: 28px;
  margin: 50px 0 16px;
  color: var(--gray-900);
  letter-spacing: -0.025em;
  font-weight: 800;
}
.article-body h3 {
  font-size: 21px;
  margin: 36px 0 12px;
  color: var(--gray-900);
  letter-spacing: -0.02em;
  font-weight: 800;
}
.article-body p { margin: 0 0 18px; }
.article-body strong { color: var(--gray-900); font-weight: 700; }
.article-body a {
  color: var(--red-deep);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 600;
}
.article-body a:hover { color: var(--red); }
.article-body ul, .article-body ol {
  margin: 0 0 22px;
  padding-left: 24px;
}
.article-body li { margin-bottom: 10px; }
.article-body ul li::marker { color: var(--red); }
.article-body blockquote {
  margin: 32px 0;
  padding: 22px 28px;
  background: var(--red-tint);
  border-left: 4px solid var(--red);
  border-radius: var(--r-md);
  font-size: 17px;
  color: var(--gray-800);
  font-style: italic;
}
.article-body blockquote p:last-child { margin-bottom: 0; }
.article-callout {
  background: var(--gray-100);
  border-radius: var(--r-md);
  padding: 24px 28px;
  margin: 32px 0;
  display: flex;
  gap: 16px;
}
.article-callout .ico {
  width: 40px; height: 40px;
  background: var(--red);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  font-weight: 800;
  font-size: 18px;
}
.article-callout-body p:last-child { margin-bottom: 0; }

.article-cta {
  max-width: 740px;
  margin: 60px auto 0;
  background: linear-gradient(135deg, var(--red) 0%, var(--red-deep) 100%);
  border-radius: var(--r-xl);
  padding: 38px 36px;
  color: #fff;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.article-cta::before {
  content: "";
  position: absolute;
  top: -80px; right: -60px;
  width: 240px; height: 240px;
  background: radial-gradient(circle, rgba(255,255,255,0.15), transparent 60%);
  pointer-events: none;
}
.article-cta > * { position: relative; z-index: 1; }
.article-cta h3 {
  font-size: 26px;
  color: #fff;
  margin-bottom: 10px;
  letter-spacing: -0.02em;
}
.article-cta p {
  font-size: 15px;
  color: rgba(255,255,255,0.85);
  margin: 0 0 22px;
  max-width: 460px;
  margin-left: auto;
  margin-right: auto;
}
.article-cta .btn-pill-white {
  background: #fff;
  color: var(--red-deep);
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 800;
  transition: all .25s;
}
.article-cta .btn-pill-white:hover {
  background: var(--gray-900);
  color: #fff;
  transform: translateY(-2px);
}
.article-cta .btn-pill-white svg { width: 14px; height: 14px; transition: transform .25s; }
.article-cta .btn-pill-white:hover svg { transform: translateX(3px); }

.related-section {
  background: var(--bg-gray);
  padding: 80px 0;
}
.related-section h3 {
  font-size: 28px;
  margin-bottom: 36px;
  letter-spacing: -0.025em;
  text-align: center;
}

/* ===========================================
   REVEAL ANIMATIONS
   =========================================== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .8s ease, transform .8s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.stagger > * {
  opacity: 0;
  transform: translateY(24px);
}
.stagger.visible > * {
  opacity: 1;
  transform: translateY(0);
  transition: opacity .65s ease, transform .65s cubic-bezier(0.16, 1, 0.3, 1);
}
.stagger.visible > *:nth-child(1) { transition-delay: 0.05s; }
.stagger.visible > *:nth-child(2) { transition-delay: 0.15s; }
.stagger.visible > *:nth-child(3) { transition-delay: 0.25s; }
.stagger.visible > *:nth-child(4) { transition-delay: 0.35s; }
.stagger.visible > *:nth-child(5) { transition-delay: 0.45s; }
.stagger.visible > *:nth-child(6) { transition-delay: 0.55s; }

/* Counter animation */
.counter[data-target] {
  display: inline-block;
}

/* ===========================================
   RESPONSIVE
   =========================================== */
@media (max-width: 1180px) {
  .nav-phone span { display: none; }
}

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero::before { display: none; }
  .hero-right { height: 380px; }
  .hero-visual::before { width: 280px; height: 280px; }
  .anfrage-wrap { grid-template-columns: 1fr; }
  .anfrage-side { padding: 36px 30px; }
  .anfrage-form { padding: 36px 30px; }
  .calc-sliders-row { grid-template-columns: 1fr; gap: 24px; }
  .calc-top, .calc-actions { padding-left: 28px; padding-right: 28px; }
  .calc-result { padding: 44px 28px 40px; }
  .calc-breakdown { grid-template-columns: 1fr 1fr; }
  .cb-card { border-bottom: 1px solid var(--gray-150); }
  .cb-card:nth-child(2) { border-right: none; }
  .calc-actions { flex-direction: column; align-items: stretch; }
  .calc-quick { justify-content: center; }
  .calc-cta-v2 { justify-content: center; }
  .cta-v2 { grid-template-columns: 1fr; padding: 50px 36px; text-align: center; }
  .cta-v2-content p { margin-left: auto; margin-right: auto; }
  .cta-v2-actions { justify-content: center; }
  .cta-v2-deco { height: 200px; }
  .cta-circle { width: 220px; height: 220px; }
  .bank-item { grid-template-columns: 1fr; gap: 18px; padding: 24px 22px; }
  .bi-info-strip { grid-column: 1; }
  .features-grid, .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .review-card { flex: 0 0 calc(50% - 12px); }
  .fs-body .container { grid-template-columns: 1fr; gap: 40px; }
  .fs-body { grid-template-columns: 1fr; }
  .nav-phone { display: none; }
  .nav-cta { padding: 10px 18px; font-size: 13px; }
  .menu-toggle { padding: 10px 14px 10px 18px; font-size: 12.5px; }
  .menu-toggle span:last-child { display: none; }
  .article-body { font-size: 16px; }
}

@media (max-width: 760px) {
  .container { padding: 0 16px; }
  .hero { padding: 50px 0 70px; }
  .hero-right { height: 320px; }
  .hero-rate-card { padding: 22px 28px; min-width: 220px; }
  .hero-rate-card .rate { font-size: 56px; }
  .hero-float { padding: 10px 14px; font-size: 12px; }
  .hero-float .ico { width: 28px; height: 28px; }
  .hero-float .txt .v { font-size: 14px; }
  .features-grid, .blog-grid { grid-template-columns: 1fr; }
  .review-card { flex: 0 0 calc(100% - 8px); }
  .footer-row { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-row > div:first-child { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .form-row .field { margin-bottom: 12px; }
  .cta-v2 { padding: 40px 24px; }
  .cta-v2-deco { height: 160px; }
  .cta-circle { width: 180px; height: 180px; }
  .section { padding: 60px 0; }
  .calc-section, .cta-banner, .anfrage-section, .blog-section, .reviews-section, .faq-section { padding: 60px 0; }
  .calc-top { padding: 28px 22px; }
  .calc-top-label { flex-direction: column; align-items: flex-start; gap: 8px; }
  .calc-breakdown { grid-template-columns: 1fr; }
  .cb-card { border-right: none !important; border-bottom: 1px solid var(--gray-150); }
  .cb-card:last-child { border-bottom: none; }
  .calc-actions { padding: 22px; }
  .bi-metrics { grid-template-columns: 1fr 1fr; }
  .anfrage-side h2 { font-size: 28px; }
  .fs-nav-list a { font-size: 32px; }
  .fs-info-block { padding: 18px 20px; }
  .article-hero h1 { font-size: 30px; }
  .article-body { font-size: 15.5px; }
  .article-body h2 { font-size: 24px; }
}

@media (max-width: 480px) {
  .nav-cta { padding: 9px 14px; font-size: 12px; }
  .menu-toggle { padding: 9px 12px; }
  .logo img { height: 40px; }
  header.scrolled .logo img { height: 36px; }
}