/* =====================================================================
   HPL Finance — Design-System (Bildsprache nach Maveo-Referenz)
   Grün #1BA388 · Tiefgrün #0A3D30 · Mint #E0F5F1 · Gold #F5A623
   Titel: Plus Jakarta Sans — Text: DM Sans
===================================================================== */
/* Schriften lokal eingebunden (DSGVO: keine Verbindung zu Google Fonts) */
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:500;font-display:swap;src:url('../fonts/plus-jakarta-sans-latin-500-normal.woff2') format('woff2')}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:600;font-display:swap;src:url('../fonts/plus-jakarta-sans-latin-600-normal.woff2') format('woff2')}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:700;font-display:swap;src:url('../fonts/plus-jakarta-sans-latin-700-normal.woff2') format('woff2')}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:800;font-display:swap;src:url('../fonts/plus-jakarta-sans-latin-800-normal.woff2') format('woff2')}
@font-face{font-family:'DM Sans';font-style:normal;font-weight:400;font-display:swap;src:url('../fonts/dm-sans-latin-400-normal.woff2') format('woff2')}
@font-face{font-family:'DM Sans';font-style:normal;font-weight:500;font-display:swap;src:url('../fonts/dm-sans-latin-500-normal.woff2') format('woff2')}
@font-face{font-family:'DM Sans';font-style:normal;font-weight:600;font-display:swap;src:url('../fonts/dm-sans-latin-600-normal.woff2') format('woff2')}
@font-face{font-family:'DM Sans';font-style:normal;font-weight:700;font-display:swap;src:url('../fonts/dm-sans-latin-700-normal.woff2') format('woff2')}

:root{
  --green:#1ba388;
  --green-hover:#148c74;
  --green-dark:#0a3d30;
  --green-deep:#07372e;
  --green-light:#a1eddb;
  --mint:#e0f5f1;
  --mint-2:#eff9f6;
  --gold:#f5a623;
  --gold-hover:#ffb52f;
  --ink:#1a1a2e;
  --body:#4a5568;
  --muted:#6b7875;
  --line:#e2e8f0;
  --line-soft:#edf2ef;
  --soft:#f7f9f8;
  --white:#ffffff;
  --success:#1d6e54;
  --success-bg:#eaf8f1;
  --error:#a43829;
  --error-bg:#fff0ed;

  --font-head:'Plus Jakarta Sans', 'Segoe UI', Arial, sans-serif;
  --font-body:'DM Sans', 'Segoe UI', Arial, sans-serif;

  --radius-lg:18px;
  --radius:14px;
  --radius-md:12px;
  --radius-sm:8px;
  --container:1180px;
  --shadow:0 20px 60px rgba(10,61,48,.12);
  --shadow-sm:0 8px 32px rgba(10,61,48,.07);
  --ease:cubic-bezier(.2,.75,.25,1);

  /* Kompatibilität mit älteren Inline-Verweisen */
  --navy:var(--ink);
  --blue:var(--green);
  --grey-dark:var(--muted);
  --text:var(--body);
}

/* ---------- Basis ---------- */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:110px;-webkit-text-size-adjust:100%}
body{margin:0;color:var(--body);background:var(--white);font:400 16px/1.7 var(--font-body);-webkit-font-smoothing:antialiased;overflow-x:hidden}
body.nav-scroll-lock{overflow:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none;margin:0;padding:0}
button,input,select,textarea{font:inherit}
button{cursor:pointer;background:none;border:0;color:inherit}
h1,h2,h3,h4{color:var(--ink);font-family:var(--font-head);line-height:1.2;margin:0 0 16px;font-weight:700;letter-spacing:-.03em}
h1{font-size:clamp(36px,5.4vw,64px)}
h2{font-size:clamp(28px,3.4vw,44px)}
h3{font-size:19px;letter-spacing:-.02em}
p{margin:0 0 16px}
.container{width:min(var(--container),calc(100% - 48px));margin-inline:auto}
section{position:relative}
.icon{width:20px;height:20px;display:inline-block;flex:0 0 auto;vertical-align:middle}
::selection{background:#baf0df;color:var(--green-dark)}
:focus-visible{outline:3px solid rgba(245,166,35,.9);outline-offset:3px}
.skip-link{position:absolute;z-index:999;left:12px;top:-100px;background:#fff;color:var(--ink);padding:12px 16px;border-radius:8px;box-shadow:var(--shadow)}
.skip-link:focus{top:12px}
.accent{color:var(--green)}
.narrow{max-width:820px;margin-left:auto;margin-right:auto}
.center{text-align:center}
.center-action{text-align:center;margin-top:34px}

/* ---------- Eyebrow & Überschriften ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:7px;padding:6px 12px;border-radius:100px;background:var(--mint);color:var(--green-dark);font:600 12px/1.2 var(--font-head);letter-spacing:.03em;margin:0 0 16px}
.eyebrow .icon{width:14px;height:14px;color:var(--green)}
.eyebrow-light{background:rgba(255,255,255,.14);color:#fff}
.eyebrow-light .icon{color:var(--gold)}
.section{padding:100px 0}
.section-tight{padding:72px 0}
.section-soft{background:var(--soft)}
.section-head{max-width:680px;margin:0 0 44px}
.section-head.center{margin:0 auto 44px;text-align:center}
.section-head p{color:var(--muted)}
.section-title{margin:0 0 14px}
.section-row{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;max-width:none}
.intro-lead{font:500 19px/1.6 var(--font-head);color:#2f403b;letter-spacing:-.01em}
.lead{font-size:17px}
.text-link,.card-link{color:var(--green);display:inline-flex;align-items:center;gap:8px;font:600 14px var(--font-head);white-space:nowrap}
.text-link .icon,.card-link .icon{width:17px;height:17px;transition:transform .2s}
.text-link:hover .icon,a:hover>.card-link .icon{transform:translateX(4px)}

/* ---------- Buttons ---------- */
.btn{min-height:50px;padding:0 24px;border:1px solid transparent;border-radius:8px;display:inline-flex;align-items:center;justify-content:center;gap:10px;font:600 14px/1.2 var(--font-head);letter-spacing:-.005em;transition:transform .2s,background .2s,box-shadow .2s,border-color .2s,color .2s;white-space:nowrap;cursor:pointer;text-align:center}
.btn .icon{width:18px;height:18px;transition:transform .2s}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(10,61,48,.17)}
.btn:hover .icon{transform:translateX(3px)}
.btn:disabled{opacity:.65;cursor:wait;transform:none}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green-hover)}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-gold:hover{background:var(--gold-hover)}
.btn-white{background:#fff;color:var(--green-dark)}
.btn-ghost{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.65);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.2)}
.btn-outline{background:transparent;border-color:var(--green);color:var(--green)}
.btn-outline:hover{background:var(--green);color:#fff}
.btn-outline-light{background:transparent;border-color:rgba(255,255,255,.7);color:#fff}
.btn-outline-light:hover{background:rgba(255,255,255,.12)}
.btn-sm{min-height:44px;padding:0 18px;font-size:13px}
.btn-lg{min-height:54px;padding:0 28px;font-size:15px}
.btn-block{width:100%}
.btn-back:hover .icon{transform:translateX(-3px)}

/* ---------- Topbar ---------- */
.topbar{background:var(--green);color:#fff;font-size:12.5px}
.topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.topbar-contact,.topbar-contact a,.topbar-location,.topbar-note{display:flex;align-items:center;gap:7px}
.topbar-contact{gap:24px;min-width:0}
.topbar-contact a,.topbar-location{opacity:.95;white-space:nowrap}
.topbar-contact a:hover{opacity:1;text-decoration:underline}
.topbar .icon{width:14px;height:14px}
.topbar-note{font-weight:600;white-space:nowrap}
.topbar-note .icon{color:var(--gold)}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);box-shadow:0 2px 15px rgba(10,61,48,.05);transition:box-shadow .25s}
.site-header.is-scrolled{box-shadow:0 6px 24px rgba(10,61,48,.1)}
.header-inner{height:80px;display:flex;align-items:center;justify-content:space-between;gap:28px;transition:height .25s}
.site-header.is-scrolled .header-inner{height:70px}
.logo{display:inline-flex;align-items:center;gap:11px;flex:0 0 auto}
.brand-mark{color:var(--green);display:inline-flex;transition:transform .3s var(--ease)}
.brand-mark svg{width:40px;height:40px;display:block}
.logo:hover .brand-mark{transform:rotate(-6deg)}
.brand-word{display:flex;align-items:baseline;gap:6px;font-family:var(--font-head);line-height:1;letter-spacing:-.035em}
.brand-word b{font-size:23px;font-weight:800;color:var(--ink)}
.brand-word span{font-size:19px;font-weight:600;color:var(--green)}
.brand-word-light b{color:#fff}
.brand-word-light span{color:var(--green-light)}
.main-nav{display:flex;align-items:center;gap:28px;height:100%}
.main-nav ul{display:flex;align-items:center;gap:clamp(14px,2vw,30px);height:100%}
.main-nav li{height:100%;display:flex;align-items:center}
.main-nav ul a{position:relative;font:500 14.5px var(--font-body);color:#1f2937;display:inline-flex;align-items:center;height:100%;white-space:nowrap;transition:color .2s}
.main-nav ul a::after{content:"";position:absolute;left:0;right:0;bottom:22px;height:2px;border-radius:2px;background:var(--green);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
.main-nav ul a:hover,.main-nav ul a.is-active{color:var(--green)}
.main-nav ul a.is-active::after,.main-nav ul a:hover::after{transform:scaleX(1)}
.main-nav .nav-cta{display:none}
.header-actions{display:flex;align-items:center;gap:12px}
.hamburger{display:none;width:46px;height:46px;border-radius:10px;background:var(--mint);flex-direction:column;align-items:center;justify-content:center;gap:5px}
.hamburger span{display:block;width:20px;height:2px;border-radius:2px;background:var(--green-dark);transition:transform .25s,opacity .25s}
.hamburger.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.is-open span:nth-child(2){opacity:0}
.hamburger.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-backdrop{display:none}

/* ---------- Unterseiten-Banner ---------- */
.hero-banner{position:relative;min-height:330px;padding:70px 0 52px;display:flex;align-items:center;text-align:center;color:#fff;background-color:var(--green-dark);background-image:linear-gradient(0deg,rgba(4,49,40,.95),rgba(4,49,40,.45) 75%),var(--banner-image);background-size:cover;background-position:center 45%;overflow:hidden}
.hero-banner-inner{position:relative;z-index:1}
.hero-banner .eyebrow{margin-bottom:12px}
.hero-banner-title{color:#fff;font-size:clamp(34px,4.8vw,56px);max-width:900px;margin:0 auto 12px}
.hero-banner-lead{color:rgba(255,255,255,.9);font-size:16px;max-width:680px;margin:0 auto 20px}
.breadcrumbs{display:flex;align-items:center;justify-content:center;gap:10px;font-size:13px;color:rgba(255,255,255,.78)}
.breadcrumbs a{color:#ffd16a}
.breadcrumbs a:hover{text-decoration:underline}
.breadcrumbs b{font-weight:500;color:#fff}

/* ---------- Startseite: Hero ---------- */
.hero-slideshow{position:relative;color:#fff;padding:96px 0 0;background:var(--green-dark)}
.hero-slides{position:absolute;inset:0;z-index:0;overflow:hidden}
.hero-slide{position:absolute;inset:0;background-size:cover;background-position:center 45%;opacity:0;animation:heroFade 21s infinite}
.hero-slide:nth-child(1){animation-delay:0s}
.hero-slide:nth-child(2){animation-delay:7s}
.hero-slide:nth-child(3){animation-delay:14s}
@keyframes heroFade{0%{opacity:0;transform:scale(1.06)}5%{opacity:1}33%{opacity:1}38%{opacity:0;transform:scale(1)}100%{opacity:0}}
.hero-slides::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,34,27,.62),rgba(5,34,27,.25)),linear-gradient(0deg,rgba(5,34,27,.85),rgba(5,34,27,.1) 70%)}
.hero-slideshow-inner{position:relative;z-index:1}
.hero-slideshow-content{text-align:center;max-width:860px;margin:0 auto}
.hero-kicker{display:inline-flex;align-items:center;gap:8px;font:600 13px var(--font-head);padding:9px 16px;border:1px solid rgba(255,255,255,.35);border-radius:40px;background:rgba(10,61,48,.3);margin:0 0 20px}
.hero-kicker .icon{color:var(--gold);width:16px;height:16px}
.hero-headline{color:#fff;font-size:clamp(42px,6.6vw,82px);line-height:1.04;letter-spacing:-.04em;margin:0 0 18px}
.hero-headline em{color:var(--green-light);font-style:normal}
.hero-lead-v2{color:rgba(255,255,255,.9);max-width:600px;margin:0 auto 28px;font-size:17px}
.hero-actions-v2{display:flex;justify-content:center;gap:12px;flex-wrap:wrap}
.hero-chips{display:flex;justify-content:center;flex-wrap:wrap;gap:10px 26px;margin-top:26px;font-size:13.5px;color:rgba(255,255,255,.94)}
.hero-chips li{display:flex;align-items:center;gap:7px}
.hero-chips .icon{color:#b3f1db;width:16px;height:16px}
.hero-content-anim>*{animation:heroIn .9s var(--ease) both}
.hero-content-anim>*:nth-child(2){animation-delay:.08s}
.hero-content-anim>*:nth-child(3){animation-delay:.16s}
.hero-content-anim>*:nth-child(4){animation-delay:.24s}
.hero-content-anim>*:nth-child(5){animation-delay:.32s}
@keyframes heroIn{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}

/* Schnellrechner — als Suchleiste im Maveo-Stil, ragt in die nächste Sektion */
.hero-sim-card{position:relative;z-index:5;max-width:1000px;margin:64px auto -70px;background:#fff;color:var(--ink);border-radius:14px;padding:16px;box-shadow:0 18px 55px rgba(0,0,0,.18);animation:heroIn .9s .4s var(--ease) both}
.hero-sim-row{display:grid;grid-template-columns:1.5fr 1fr auto;align-items:center;gap:6px}
.hero-sim-col{display:grid;grid-template-columns:44px 1fr;align-items:center;gap:12px;padding:8px 16px;min-width:0}
.hero-sim-col:first-child{border-right:1px solid #e9eeec}
.hero-sim-icon{width:44px;height:44px;border-radius:10px;background:var(--mint);color:var(--green);display:grid;place-items:center}
.hero-sim-field{min-width:0}
.hero-sim-label{display:block;font-size:12px;color:var(--muted);font-weight:600;letter-spacing:.02em}
.hero-sim-amount{font:700 24px/1.2 var(--font-head);color:var(--ink);letter-spacing:-.02em;margin-bottom:6px}
.hero-sim-estimate{margin:0;font-size:14px;color:var(--body)}
.hero-sim-estimate strong{font:700 24px var(--font-head);color:var(--green);letter-spacing:-.02em}
.hero-sim-btn{min-height:56px;padding:0 26px}
.hero-sim-note{margin:10px 16px 2px;font-size:12px;color:var(--muted)}

/* Range-Regler (Startseite + Antragsformular) */
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:linear-gradient(90deg,var(--green) 0,var(--green) var(--fill,0%),#dcebe6 var(--fill,0%));outline:none;margin:6px 0;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--green);box-shadow:0 2px 8px rgba(10,61,48,.25);cursor:grab;transition:transform .15s}
input[type=range]::-webkit-slider-thumb:active{transform:scale(1.12)}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:5px solid var(--green);box-shadow:0 2px 8px rgba(10,61,48,.25);cursor:grab}

/* ---------- Kennzahlen ---------- */
.trusted-by{padding:28px 0;background:var(--soft);border-bottom:1px solid var(--line-soft)}
.hero-slideshow+.trusted-by{padding-top:110px}
.stat-strip{display:flex;justify-content:center;gap:clamp(24px,6vw,80px);flex-wrap:wrap}
.stat-strip li{display:grid;text-align:center}
.stat-strip strong{font:700 30px var(--font-head);color:var(--green);letter-spacing:-.02em}
.stat-strip span{font-size:13px;color:var(--muted)}

/* ---------- Partner ---------- */
.partner-strip{padding:34px 0 26px;border-bottom:1px solid var(--line-soft)}
.hero-slideshow+.partner-strip{padding-top:118px}
.partner-strip-inner{display:flex;align-items:center;gap:42px}
.partner-strip-head{flex:0 0 220px}
.partner-strip-head h2{font:700 11px var(--font-head);text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin:0 0 6px}
.partner-strip-head p{font-size:12.5px;color:var(--muted);margin:0;line-height:1.5}
.partner-logos{flex:1;display:flex;align-items:center;justify-content:space-between;gap:28px}
.partner-logo{flex:1;max-width:120px}
.partner-logo img{width:100%;height:36px;object-fit:contain;filter:grayscale(1);opacity:.6;transition:filter .3s,opacity .3s}
.partner-logo:hover img{filter:none;opacity:1}
.partner-strip-note{font-size:11.5px;color:#8a9692;margin-top:16px;margin-bottom:0}

/* ---------- Split-Blöcke & Medien ---------- */
.split-block{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,7vw,100px);align-items:center}
.split-block.reverse>.media{order:2}
.media{position:relative;border-radius:var(--radius-lg);min-height:440px}
.media>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;border-radius:var(--radius-lg)}
.photo-note{position:absolute;left:-28px;bottom:28px;background:#fff;padding:15px 18px;display:flex;align-items:center;gap:12px;border-radius:12px;box-shadow:var(--shadow);animation:float 6s ease-in-out infinite}
.photo-note>span{width:44px;height:44px;border-radius:10px;background:var(--mint);display:grid;place-items:center;color:var(--green)}
.photo-note div{display:grid;line-height:1.3}
.photo-note b{color:var(--ink);font:700 15px var(--font-head)}
.photo-note small{font-size:12px;color:var(--muted)}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-6px)}}
.check-list{display:grid;gap:13px;margin:22px 0 28px}
.check-list li{display:flex;align-items:center;gap:10px;color:var(--ink);font-size:15px}
.check-list .icon{width:22px;height:22px;padding:4px;border-radius:50%;background:var(--mint);color:var(--green);stroke-width:2.4}

/* ---------- Karten: Verwendungszwecke ---------- */
.purpose-preview-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.purpose-preview-card{position:relative;display:flex;flex-direction:column;padding:30px 26px 26px;background:#fff;border:1px solid var(--line-soft);border-radius:var(--radius);box-shadow:var(--shadow-sm);transition:transform .25s,box-shadow .25s,border-color .25s}
.purpose-preview-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#cfe9e1}
.purpose-preview-card h3{margin:0 0 10px}
.purpose-preview-card p{font-size:15px;flex:1}
.card-number{position:absolute;right:22px;top:18px;color:#d2e8e0;font:700 30px var(--font-head)}
.advantage-icon,.why-feature-icon{width:52px;height:52px;border-radius:12px;background:var(--mint);color:var(--green);display:grid;place-items:center;margin-bottom:20px;transition:background .25s,color .25s}
.advantage-icon .icon,.why-feature-icon .icon{width:22px;height:22px}
.purpose-preview-card:hover .advantage-icon{background:var(--green);color:#fff}

/* ---------- Vorteile ---------- */
.advantages-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.advantage-card{padding:26px 22px;background:var(--soft);border-radius:var(--radius);border:1px solid transparent;transition:transform .25s,box-shadow .25s,background .25s,border-color .25s}
.advantage-card:hover{transform:translateY(-4px);background:#fff;box-shadow:var(--shadow);border-color:var(--line-soft)}
.advantage-card h3{font-size:17px;margin:0 0 8px}
.advantage-card p{font-size:14.5px;margin:0;line-height:1.65}
.why-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(40px,6vw,80px);align-items:stretch}
.feature-stack{display:grid;gap:12px;margin:26px 0 0}
.feature-stack .advantage-card{display:flex;gap:16px;padding:18px}
.feature-stack .advantage-card:hover{transform:translateX(4px)}
.feature-stack .advantage-icon{flex:0 0 auto;width:46px;height:46px;margin:0;border-radius:10px}
.feature-stack .advantage-card h3{font-size:16px;margin:0 0 4px}
.feature-stack .advantage-card p{font-size:14px;line-height:1.6}
.why-image{position:relative;min-height:520px}
.why-image>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;border-radius:var(--radius-lg)}
.why-floating{position:absolute;left:-40px;bottom:30px;width:min(300px,86%);padding:22px;background:rgba(7,55,46,.95);color:#fff;border-radius:14px;box-shadow:var(--shadow);display:grid}
.why-floating>.icon{color:var(--gold);width:24px;height:24px}
.why-floating b{font:600 15px var(--font-head);margin:10px 0 4px}
.why-floating span{font-size:13px;opacity:.84;line-height:1.55}
.why-floating hr{width:100%;border:0;border-top:1px solid rgba(255,255,255,.2);margin:14px 0}
.why-floating strong{font:700 22px var(--font-head)}
.why-floating strong i{color:var(--gold);font-style:normal;font-size:13px;font-weight:600}

/* ---------- Grünes Band (Ansatz) ---------- */
.why-us{position:relative;overflow:hidden;color:#fff;background:linear-gradient(105deg,#148f7c,var(--green));border-radius:var(--radius-lg)}
.why-us-band{border-radius:0;padding:84px 0}
.why-us-bg{position:absolute;inset:0;z-index:0}
.why-us-bg img{width:100%;height:100%;object-fit:cover;opacity:.16;mix-blend-mode:luminosity}
.why-us-inner{position:relative;z-index:1;display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center}
.why-us:not(.why-us-band) .why-us-inner{padding:60px clamp(24px,5vw,60px)}
.why-us h2{color:#fff;font-size:clamp(30px,3.6vw,46px)}
.why-us .lead{color:rgba(255,255,255,.9);margin-bottom:0}
.why-features{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.why-feature{padding:24px 20px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);backdrop-filter:blur(6px);transition:transform .25s,background .25s}
.why-feature:hover{transform:translateY(-4px);background:rgba(255,255,255,.16)}
.why-feature-icon{background:rgba(255,255,255,.14);color:#fff;width:46px;height:46px;margin-bottom:16px}
.why-feature h3{color:#fff;font-size:17px;margin:0 0 8px}
.why-feature p{font-size:14px;color:rgba(255,255,255,.85);margin:0;line-height:1.6}
.why-us-center .why-us-inner{grid-template-columns:1fr;text-align:center;justify-items:center}
.why-us-center .lead{max-width:560px;margin:0 auto 26px}

/* ---------- Ablauf ---------- */
.how-preview-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:clamp(36px,5vw,64px);align-items:center}
.how-photo{position:relative;height:560px;border-radius:var(--radius-lg);overflow:hidden}
.how-photo img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.how-photo:hover img{transform:scale(1.04)}
.photo-count{position:absolute;bottom:22px;left:22px;background:rgba(255,255,255,.95);padding:12px 16px;border-radius:10px;color:var(--green);font:700 20px var(--font-head)}
.photo-count small{display:block;color:var(--body);font:400 12px var(--font-body)}
.step-stack{display:grid;gap:12px}
.step-row{display:grid;grid-template-columns:34px 46px 1fr;align-items:center;gap:12px;background:#fff;padding:14px 16px;border-radius:12px;box-shadow:0 5px 20px rgba(10,61,48,.05);border:1px solid var(--line-soft);transition:transform .25s,border-color .25s}
.step-row:hover{transform:translateX(6px);border-color:#cfe9e1}
.step-number{font:700 13px var(--font-head);color:var(--green)}
.step-icon{width:44px;height:44px;border-radius:10px;background:var(--mint);display:grid;place-items:center;color:var(--green)}
.step-row h3{font-size:16px;margin:0}
.step-stack>.text-link{margin:10px 0 0 58px}

.process-list{display:grid;gap:14px}
.process-step{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start;padding:24px;background:#fff;border:1px solid var(--line-soft);border-radius:var(--radius);box-shadow:0 5px 20px rgba(10,61,48,.04);transition:transform .25s,box-shadow .25s}
.process-step:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.process-step-num{position:relative;width:54px;height:54px;border-radius:12px;background:var(--mint);color:var(--green);display:grid;place-items:center}
.process-step-num span{position:absolute;right:-9px;top:-9px;min-width:26px;height:26px;padding:0 5px;border-radius:13px;background:var(--green);color:#fff;font:700 11px/22px var(--font-head);text-align:center;border:2px solid #fff}
.process-step h3{font-size:18px;margin:4px 0 6px}
.process-step p{margin:0;font-size:15px}
.process-note{margin-top:22px;padding:16px 20px;border-left:4px solid var(--green);background:var(--mint-2);border-radius:0 10px 10px 0;font-size:14px;color:var(--green-dark)}

/* ---------- Erfahrungsberichte ---------- */
.testimonial-carousel{position:relative}
.carousel-viewport{overflow:hidden;margin:0 -10px}
.carousel-track{display:flex;transition:transform .6s var(--ease)}
.carousel-slide{flex:0 0 auto;width:33.333%;padding:10px}
.testimonial-card{height:100%;display:flex;flex-direction:column;padding:28px 26px 24px;background:#fff;border-radius:var(--radius);border:1px solid var(--line-soft);box-shadow:0 6px 24px rgba(10,61,48,.06);transition:transform .25s,box-shadow .25s}
.testimonial-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.quote-mark{width:44px;height:44px;border-radius:50%;background:var(--gold);color:#fff;display:grid;place-items:center;margin-bottom:18px}
.quote-mark .icon{width:20px;height:20px}
.testimonial-card p{font-size:15px;line-height:1.75;color:#485753;flex:1}
.testimonial-person{display:grid;padding-top:16px;border-top:1px solid var(--line-soft)}
.testimonial-person strong{font:700 15px var(--font-head);color:var(--ink)}
.testimonial-person span{font-size:13px;color:var(--muted)}
.carousel-controls{display:flex;align-items:center;justify-content:center;gap:16px;margin-top:26px}
.carousel-btn{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;color:#fff;background:var(--green);transition:transform .2s,background .2s}
.carousel-btn:hover{transform:translateY(-2px);background:var(--green-dark)}
.carousel-btn .icon{width:18px;height:18px}
.carousel-dots{display:flex;gap:6px}
.carousel-dot{width:7px;height:7px;border-radius:7px;background:#d2e5df;padding:0;transition:width .3s,background .3s}
.carousel-dot.is-active{width:24px;background:var(--green)}
.no-js .carousel-track{flex-wrap:wrap}

/* ---------- FAQ ---------- */
.faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(36px,5vw,70px);align-items:start}
.faq-layout .section-head{margin:0;position:sticky;top:120px}
.faq-accordion{padding:8px 22px;border-radius:var(--radius);background:var(--green-dark);color:#fff}
.faq-item{border-bottom:1px solid rgba(255,255,255,.13)}
.faq-item:last-child{border-bottom:0}
.faq-question{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 2px;text-align:left;font:600 16px/1.45 var(--font-head);color:#fff;letter-spacing:-.01em}
.faq-question:hover{color:var(--green-light)}
.faq-icon{position:relative;flex:0 0 28px;height:28px;border-radius:50%;background:rgba(96,195,170,.18)}
.faq-icon::before,.faq-icon::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;margin:-1px 0 0 -6px;border-radius:2px;background:#60c3aa;transition:transform .3s}
.faq-icon::after{transform:rotate(90deg)}
.faq-item.is-open .faq-icon::after{transform:rotate(0)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
.faq-answer p{font-size:15px;color:rgba(255,255,255,.82);padding:0 40px 20px 2px;margin:0;line-height:1.7}
.no-js .faq-answer{max-height:none}

/* ---------- Kreditanfrage ---------- */
.section-credit{background:var(--soft)}
.credit-app{max-width:880px;margin:0 auto;background:#fff;border:1px solid var(--line-soft);border-radius:var(--radius-lg);box-shadow:0 14px 45px rgba(10,61,48,.08);padding:clamp(24px,4vw,44px);scroll-margin-top:120px}
.step-progress-wrap{margin-bottom:28px}
.step-progress-bar{height:8px;border-radius:8px;background:var(--mint);overflow:hidden}
.step-progress-bar span{display:block;height:100%;width:50%;border-radius:8px;background:linear-gradient(90deg,var(--green),#2cc3a3);transition:width .5s var(--ease)}
.step-label{margin:10px 0 0;font:600 13px var(--font-head);color:var(--green-dark)}
.form-step{display:none}
.form-step.is-active{display:block;animation:stepIn .45s var(--ease)}
@keyframes stepIn{from{opacity:0;transform:translateX(18px)}to{opacity:1;transform:none}}
.form-step h2{font-size:clamp(24px,2.6vw,30px);margin-bottom:8px}
.form-step-intro{color:var(--muted);margin-bottom:26px}
.amount-display{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:8px}
.amount-display strong{font:800 clamp(32px,4vw,44px) var(--font-head);color:var(--green);letter-spacing:-.03em}
.amount-display span{font-size:14px;color:var(--muted)}
.amount-slider{margin:8px 0}
.amount-minmax{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);margin-bottom:22px}
.amount-manual-group{max-width:340px}
.field-label{font:600 14px var(--font-head);color:var(--ink);margin:6px 0 12px}
.purpose-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:22px}
.purpose-option{position:relative}
.purpose-option input{position:absolute;opacity:0;width:1px;height:1px}
.purpose-option label{display:flex;align-items:center;justify-content:center;min-height:52px;padding:10px 12px;text-align:center;border:1.5px solid var(--line);border-radius:10px;background:#fff;font:600 14px var(--font-head);color:var(--ink);cursor:pointer;transition:border-color .2s,background .2s,color .2s,transform .2s}
.purpose-option label:hover{border-color:var(--green);transform:translateY(-2px)}
.purpose-option input:checked+label{border-color:var(--green);background:var(--mint);color:var(--green-dark);box-shadow:inset 0 0 0 1px var(--green)}
.purpose-option input:focus-visible+label{outline:3px solid rgba(245,166,35,.9);outline-offset:2px}

.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.form-group{display:flex;flex-direction:column;gap:7px;margin-bottom:16px}
.form-grid .form-group{margin-bottom:0}
.form-grid+.form-group,.form-grid+.form-hint{margin-top:16px}
.form-group.full{grid-column:1/-1}
.form-group label{font:600 14px var(--font-head);color:var(--ink)}
.optional{font-weight:400;color:var(--muted);font-family:var(--font-body)}
.form-group input:not([type=checkbox]):not([type=radio]),.form-group select,.form-group textarea{width:100%;min-height:52px;border:1px solid #dbe5e1;border-radius:9px;padding:13px 15px;color:var(--ink);background:#fff;outline:0;font-size:16px;transition:border-color .2s,box-shadow .2s;-webkit-appearance:none;appearance:none}
.form-group select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231ba388' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:18px;padding-right:44px;cursor:pointer}
.form-group textarea{min-height:140px;resize:vertical}
.form-group input::placeholder,.form-group textarea::placeholder{color:#9aa6a3}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--green);box-shadow:0 0 0 4px rgba(27,163,136,.12)}
.field-error{display:none;font-size:13px;color:var(--error)}
.form-group.has-error .field-error{display:block}
.form-group.has-error input,.form-group.has-error select,.form-group.has-error textarea{border-color:var(--error);box-shadow:0 0 0 3px rgba(164,56,41,.08)}
.form-hint{font-size:13.5px;color:var(--muted);margin:10px 0}
.consent-note{font-size:13.5px;color:var(--muted);margin:18px 0 10px}
.consent-note a,.consent-check a,.form-privacy a{color:var(--green);text-decoration:underline}
.consent-check{display:flex!important;align-items:flex-start;gap:10px;font:400 14px/1.6 var(--font-body)!important;color:var(--body)!important;cursor:pointer}
.consent-check input{width:18px;height:18px;margin-top:3px;accent-color:var(--green);flex:0 0 auto}
.form-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:26px;padding-top:22px;border-top:1px solid var(--line-soft);flex-wrap:wrap}
.form-nav-end{justify-content:flex-end}
.summary-box{margin:22px 0 4px;border-radius:12px;background:var(--soft);border:1px solid var(--line-soft);overflow:hidden}
.summary-box:empty{display:none}
.summary-row{display:flex;justify-content:space-between;gap:16px;padding:12px 18px;font-size:14.5px;border-bottom:1px solid var(--line-soft)}
.summary-row:last-child{border-bottom:0}
.summary-row span:first-child{color:var(--muted)}
.summary-row span:last-child{font-weight:600;color:var(--ink);text-align:right;word-break:break-word}
.form-alert{padding:14px 16px;border-radius:10px;margin-bottom:18px;font-size:14.5px}
.form-alert.success{background:var(--success-bg);color:var(--success)}
.form-alert.error{background:var(--error-bg);color:var(--error)}
.form-success-state{text-align:center;padding:30px 10px}
.success-icon{width:74px;height:74px;margin:0 auto 20px;border-radius:50%;background:var(--mint);color:var(--green);display:grid;place-items:center;animation:pop .5s var(--ease)}
.success-icon .icon{width:34px;height:34px;stroke-width:2.4}
@keyframes pop{from{transform:scale(.6);opacity:0}to{transform:none;opacity:1}}
.hp-field{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}


/* Einseitiges Antragsformular */
.credit-app-simple{max-width:820px}
.credit-form-head{margin-bottom:24px;padding-bottom:18px;border-bottom:1px solid var(--line-soft)}
.credit-form-head h2{font-size:clamp(24px,2.6vw,30px);margin:0 0 4px}
.credit-form-head p{margin:0;font-size:13.5px;color:var(--muted)}
.req{color:var(--error);font-weight:600}
.rate-estimate{height:100%;min-height:52px;display:flex;flex-direction:column;justify-content:center;padding:10px 16px;border-radius:9px;background:var(--mint-2);border:1px dashed #b9e3d8;margin-top:28px}
.rate-estimate>span{font-size:12px;color:var(--muted);font-weight:600}
.rate-estimate strong{font:700 18px var(--font-head);color:var(--green)}
.consent-group{margin:22px 0 0}
.submit-row{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:22px}
.secure-note{display:inline-flex;align-items:center;gap:6px;font-size:13.5px;color:var(--muted)}
.secure-note .icon{width:15px;height:15px;color:var(--gold)}
.form-legal{margin:18px 0 0;font-size:12.5px;line-height:1.6;color:var(--muted)}
.form-legal strong{color:var(--ink)}

/* ---------- Kontakt ---------- */
.contact-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(36px,6vw,70px);align-items:start}
.contact-info-card ul{display:grid;gap:12px;margin:26px 0}
.contact-info-card li{display:grid;grid-template-columns:46px 1fr;align-items:center;gap:14px;padding:14px;background:var(--soft);border-radius:12px;transition:transform .2s}
.contact-info-card li:hover{transform:translateX(4px)}
.contact-icon{width:46px;height:46px;background:var(--mint);color:var(--green);border-radius:10px;display:grid;place-items:center}
.contact-info-card li>span:last-child{display:grid;min-width:0}
.contact-info-card small{font-size:12px;color:var(--muted)}
.contact-info-card b,.contact-info-card a{font:600 15px var(--font-head);color:var(--ink);word-break:break-word}
.contact-info-card a:hover{color:var(--green)}
.contact-photo{height:230px;border-radius:var(--radius);overflow:hidden}
.contact-photo img{width:100%;height:100%;object-fit:cover}
.contact-form-card{padding:clamp(24px,3.5vw,38px);background:#fff;border:1px solid var(--line-soft);border-radius:var(--radius-lg);box-shadow:0 14px 45px rgba(10,61,48,.08)}
.contact-form-card>h2{font-size:clamp(24px,2.6vw,30px);margin-bottom:6px}
.contact-form-card>p{color:var(--muted);margin-bottom:22px}
.form-privacy{display:flex;align-items:center;justify-content:center;gap:6px;text-align:center;font-size:12.5px;color:var(--muted);margin:14px 0 0}
.form-privacy .icon{width:14px;height:14px;color:var(--green)}

/* ---------- Rechtstexte ---------- */
.legal-content{max-width:820px}
.legal-content h2{font-size:clamp(21px,2.2vw,26px);margin:38px 0 14px;padding-top:6px}
.legal-content h2:first-child{margin-top:0}
.legal-content h3{font-size:18px;margin:24px 0 10px}
.legal-content p,.legal-content li{font-size:15.5px;line-height:1.8}
.legal-content a{color:var(--green);text-decoration:underline}
.legal-content ul{list-style:disc;padding-left:22px;margin:0 0 16px}

/* ---------- 404 ---------- */
.error-page{position:relative;min-height:72vh;display:flex;align-items:center;justify-content:center;text-align:center;color:#fff;background:var(--green-dark);overflow:hidden;padding:80px 0}
.error-page .why-us-bg img{opacity:.22;mix-blend-mode:luminosity}
.error-inner{position:relative;z-index:1}
.error-code{font:800 clamp(90px,16vw,170px)/1 var(--font-head);letter-spacing:-.05em;color:var(--green-light);margin-bottom:8px}
.error-page h1{color:#fff;font-size:clamp(30px,4vw,46px)}
.error-page p{color:rgba(255,255,255,.85);max-width:540px;margin:0 auto 28px}
.error-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- CTA-Band ---------- */
.cta-band{background:linear-gradient(115deg,#118978,var(--green));color:#fff;overflow:hidden}
.cta-band::before{content:"";position:absolute;right:-120px;top:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.14),transparent 70%);pointer-events:none}
.cta-band-inner{position:relative;display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center;padding:76px 0}
.cta-title{color:#fff;font-size:clamp(30px,3.8vw,48px);max-width:640px;margin-bottom:12px}
.cta-title span{color:#c9f5ea}
.cta-subtext{color:rgba(255,255,255,.88);font-size:17px;max-width:560px}
.cta-checks{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:4px}
.cta-checks li{display:flex;align-items:center;gap:8px;font-size:14px}
.cta-checks .icon{width:22px;height:22px;padding:4px;border-radius:50%;background:rgba(255,255,255,.15);color:var(--gold);stroke-width:2.4}
.cta-side{display:flex;flex-direction:column;align-items:stretch;gap:12px;max-width:320px;justify-self:end;width:100%}

/* ---------- Footer ---------- */
.site-footer{background:var(--green-dark);color:#d8e7e1}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:50px;padding:68px 0 44px}
.footer-brand .logo{margin-bottom:18px}
.footer-brand>p{font-size:14px;line-height:1.7;max-width:300px;color:rgba(216,231,225,.85)}
.social-links{display:flex;gap:8px;margin-top:18px}
.social-links a{width:36px;height:36px;border-radius:9px;background:rgba(40,184,149,.25);color:#fff;display:grid;place-items:center;transition:background .2s,transform .2s}
.social-links a:hover{background:var(--green);transform:translateY(-2px)}
.social-links .icon{width:17px;height:17px}
.footer-col h3{color:#fff;font:600 16px var(--font-head);margin:4px 0 18px;letter-spacing:-.01em}
.footer-col ul{display:grid;gap:11px;font-size:14px}
.footer-col ul a{transition:color .2s,padding .2s}
.footer-col ul:not(.footer-contact) a::before{content:'›';color:#58c5a9;margin-right:9px}
.footer-col ul a:hover{color:#fff;padding-left:3px}
.footer-contact li{display:flex;gap:10px;align-items:flex-start;word-break:break-word}
.footer-contact .icon{width:17px;height:17px;color:#67ceb2;margin-top:3px}
.footer-disclaimer p{font-size:12.5px;color:rgba(216,231,225,.7);margin:0;padding:18px 0;border-top:1px solid rgba(255,255,255,.1)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0 22px;display:flex;justify-content:space-between;align-items:center;gap:20px;font-size:13px;color:rgba(255,255,255,.7)}
.footer-bottom p{margin:0}
.footer-legal{display:flex;gap:22px;flex-wrap:wrap}
.footer-legal a:hover{color:#fff}

/* ---------- WhatsApp ---------- */
.whatsapp-float{position:fixed;right:22px;bottom:22px;z-index:90;width:58px;height:58px;border-radius:50%;background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:0 10px 26px rgba(0,0,0,.2);transition:transform .2s}
.whatsapp-float:hover{transform:translateY(-3px) scale(1.04)}
.whatsapp-float .icon{width:28px;height:28px}

/* ---------- Scroll-Reveal ---------- */
html:not(.no-js) .reveal-target{opacity:0;transform:translateY(22px);transition:opacity .65s ease,transform .65s var(--ease)}
html:not(.no-js) .reveal-target.in-view{opacity:1;transform:none}

/* =====================================================================
   Responsive
===================================================================== */
@media (max-width:1100px){
  .main-nav{gap:18px}
  .main-nav ul{gap:16px}
  .main-nav ul a{font-size:13.5px}
  .advantages-grid{grid-template-columns:repeat(2,1fr)}
  .why-us-inner{grid-template-columns:1fr;gap:34px}
  .footer-grid{gap:30px}
  .topbar-location{display:none}
}

@media (max-width:980px){
  .header-inner,.site-header.is-scrolled .header-inner{height:70px}
  .hamburger{display:flex;position:relative;z-index:130}
  .header-cta-desktop{display:none}
  .main-nav{position:fixed;top:0;right:0;bottom:0;z-index:120;width:min(360px,86vw);height:100vh;height:100dvh;padding:96px 24px 28px;flex-direction:column;align-items:stretch;justify-content:flex-start;gap:22px;background:#fff;box-shadow:-20px 0 50px rgba(10,61,48,.15);transform:translateX(105%);visibility:hidden;transition:transform .35s var(--ease),visibility .35s;overflow-y:auto}
  .main-nav.is-open{transform:none;visibility:visible}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:0;height:auto}
  .main-nav li{height:auto;display:block;border-bottom:1px solid var(--line-soft)}
  .main-nav ul a{height:auto;width:100%;padding:15px 4px;font-size:16px;font-weight:600}
  .main-nav ul a::after{display:none}
  .main-nav .nav-cta{display:inline-flex;width:100%}
  .nav-backdrop{display:block;position:fixed;inset:0;z-index:110;background:rgba(7,55,46,.45);opacity:0;visibility:hidden;transition:opacity .3s,visibility .3s}
  .nav-backdrop.is-visible{opacity:1;visibility:visible}
  .site-header{backdrop-filter:none;-webkit-backdrop-filter:none;background:#fff}

  .section{padding:80px 0}
  .section-tight{padding:60px 0}
  .split-block,.why-grid,.how-preview-grid,.contact-layout,.faq-layout{grid-template-columns:1fr;gap:40px}
  .split-block .media{order:-1}
  .faq-layout .section-head{position:static}
  .media{min-height:360px}
  .photo-note{left:14px;bottom:14px}
  .why-image{min-height:420px}
  .why-floating{left:14px;bottom:14px}
  .how-photo{height:360px}
  .purpose-preview-grid{grid-template-columns:repeat(2,1fr)}
  .partner-strip-inner{flex-direction:column;align-items:flex-start;gap:18px}
  .partner-strip-head{flex:none}
  .partner-logos{width:100%}
  .cta-band-inner{grid-template-columns:1fr;gap:28px;padding:60px 0}
  .cta-side{justify-self:start;flex-direction:row;flex-wrap:wrap;max-width:none}
  .footer-grid{grid-template-columns:1fr 1fr;gap:36px}
  .footer-brand{grid-column:1/-1}
  .hero-sim-row{grid-template-columns:1fr 1fr}
  .hero-sim-btn{grid-column:1/-1;width:100%}
}

@media (max-width:760px){
  .topbar-note{display:none}
  .topbar-inner{justify-content:center}
  .why-features{grid-template-columns:1fr}
  .purpose-grid{grid-template-columns:repeat(2,1fr)}
}

@media (max-width:620px){
  body{font-size:15.5px}
  .container{width:calc(100% - 32px)}
  .topbar{font-size:12px}
  .topbar-contact{gap:16px}
  .topbar-contact a:nth-child(2) span{max-width:160px;overflow:hidden;text-overflow:ellipsis}
  .header-inner,.site-header.is-scrolled .header-inner{height:64px}
  .brand-mark svg{width:36px;height:36px}
  .brand-word b{font-size:20px}
  .brand-word span{font-size:17px}
  .section{padding:60px 0}
  .section-tight{padding:46px 0}
  .section-head,.section-head.center{margin-bottom:28px}
  .section-row{display:block}
  .section-row .text-link{margin-top:6px}
  h2{font-size:28px}
  .intro-lead{font-size:17px}

  .hero-slideshow{padding-top:56px}
  .hero-kicker{font-size:12px;padding:7px 13px}
  .hero-headline{font-size:clamp(36px,10.5vw,46px)}
  .hero-lead-v2{font-size:15.5px}
  .hero-actions-v2{flex-direction:column;align-items:stretch;max-width:340px;margin:0 auto}
  .hero-chips{gap:8px 16px;font-size:12.5px}
  .hero-sim-card{margin:38px auto -140px;padding:10px}
  .hero-sim-row{grid-template-columns:1fr;gap:0}
  .hero-sim-col{padding:12px 8px;grid-template-columns:40px 1fr}
  .hero-sim-col:first-child{border-right:0;border-bottom:1px solid #e9eeec}
  .hero-sim-icon{width:40px;height:40px}
  .hero-sim-btn{margin-top:8px}
  .hero-sim-note{margin:10px 6px 2px;font-size:11.5px}
  .hero-slideshow+.partner-strip,.hero-slideshow+.trusted-by{padding-top:172px}
  .partner-logos{overflow-x:auto;justify-content:flex-start;gap:24px;padding-bottom:4px;scrollbar-width:none}
  .partner-logo{min-width:84px}

  .hero-banner{min-height:240px;padding:46px 0 34px}
  .hero-banner-title{font-size:clamp(28px,8vw,36px)}
  .hero-banner-lead{font-size:14.5px}

  .media{min-height:280px}
  .why-image{min-height:340px}
  .how-photo{height:250px}
  .purpose-preview-grid,.advantages-grid{grid-template-columns:1fr}
  .purpose-preview-card{padding:24px 22px}
  .why-us-band{padding:56px 0}
  .why-us:not(.why-us-band) .why-us-inner{padding:42px 22px}
  .step-row{grid-template-columns:28px 40px 1fr;gap:10px;padding:12px}
  .step-icon{width:40px;height:40px}
  .step-stack>.text-link{margin-left:0}
  .process-step{grid-template-columns:1fr;gap:14px;padding:20px}
  .faq-accordion{padding:4px 16px}
  .faq-question{font-size:15px;padding:17px 0}
  .faq-answer p{padding-right:4px;font-size:14.5px}

  .credit-app{border-radius:var(--radius);padding:22px 18px}
  .form-grid{grid-template-columns:1fr}
  .amount-manual-group{max-width:none}
  .form-nav{flex-direction:column-reverse;align-items:stretch}
  .form-nav .btn{width:100%}
  .submit-row{flex-direction:column;align-items:stretch;gap:12px}
  .submit-row .btn{width:100%}
  .secure-note{justify-content:center}
  .rate-estimate{margin-top:0}
  .summary-row{flex-direction:column;gap:2px;padding:11px 14px}
  .summary-row span:last-child{text-align:left}

  .cta-band-inner{padding:50px 0}
  .cta-side{flex-direction:column;width:100%}
  .cta-side .btn{width:100%}
  .footer-grid{grid-template-columns:1fr;gap:30px;padding:50px 0 30px}
  .footer-bottom{flex-direction:column;align-items:flex-start}
  .whatsapp-float{right:16px;bottom:16px;width:54px;height:54px}
}

@media (max-width:380px){
  .purpose-grid{grid-template-columns:1fr}
  .topbar-contact a:nth-child(2){display:none}
}

/* Reduzierte Bewegung respektieren */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .hero-slide{animation:none!important}
  .hero-slide:first-child{opacity:1}
  .photo-note{animation:none!important}
  html:not(.no-js) .reveal-target{opacity:1;transform:none}
}